Like capital adequacy, organizational adequacy is a safeguard, the precondition for sound and prudent management. 5. Governance  The governance of the cooperative banks has been the subject of lively debate in recent years, with strongly differing opinions and points of view.
For instance, the aging population in advanced economies may in time have implications for the level of global interest rates. Taken in isolation, the scarcity of labour relative to capital would lead to higher wages and lower returns on capital, which could eventually contribute to persistently lower interest rates.