What I want to say, is that your business model is your business and the business of your directors, your Chief Executive and your shareholders. It's up to you to ensure that you are profitable. “Bank Different”, yes, but Bank Prudent as well. “Bank Prudent, Always!” is what I say.
We, at the Central Bank, have put rules and guidelines in the interest of the wider jurisdiction. We have to protect the consumer, the borrower and the lender as well. We want to have an efficient financial sector that can be benchmarked internationally. We want a clean jurisdiction. We are too small a jurisdiction to be able to afford a crisis like Northern Rock.