To fulfil these tasks, we must tackle the challenges posed by the difficult and uncertain cyclical situation head on, as well as those arising, on a structural level, from the digital transition and the financial effects of climate change.
Banks must continue to pay close attention to the principles on which sound business management is based: prudence in provisioning and distribution decisions; monitoring of traditional and new risks; transparency and fairness vis-à-vis customers; and improving efficiency and cost containment, including through the necessary investment in technological innovation.