The first one is the Supervisory Review and Evaluation Process (SREP), which gives us the instrument to tailor supervisory requirements beyond the minimum capital requirements set by the Basel Accord. We take into account the banks specific business risks, but also include governance and internal controls.
Also, as the economy will continue to deteriorate, the balance between supply and demand in the domestic market will increasingly exert downward pressure on prices. Furthermore, in addition to the declining trend of machinery prices caused by technological innovations, the decreases in the prices of goods and services reflecting deregulation and the streamlining of distribution channels will continue to restrain price developments.