If on the basis of the further examinations now under way it should be necessary to sterilize the benefits to the capital ratios of the above-mentioned disposals of minority shareholdings, the surplus is estimated to be € billion and the overall capital ratio to be 11.3 per cent in the absence of corrective measures.
We have seen seven months of intensive work and excellent cooperation designed to strengthen the institutional capacity of the central bank, an institution which is key to the overall macroeconomic and financial stability of Montenegro as it moves towards joining the European Union (EU). The programme has also helped to strengthen the contacts and relations between our institutions.