We remain vigilant for ensuring safety and soundness of the payment systems and are committed to customer safety and convenience. 43. Thank you for your patient attention. 7/7  BIS central bankers' speeches
However, it is important to stress that the situation of individual banks across the euro area varies considerably in terms of both ROE and COE. There is still a large gap between overperformers and underperformers; in the past few years around one-quarter of significant banks delivered an ROE of at least 8%, while the ROE of the worst-performing quartile remained below 3%.