And we must be prepared to see a continuation of this trend in the years to come. The other important change that is likely to occur is the rising importance of market-based forms of finance, also in countries like Austria, i.e. countries which are traditionally characterized by a dominance of bank-based finance.
I have no doubt you can enrich our discussions on the general aspects of financial inclusion, as well as on the more technical issues of monetary policy and financial stability and their relevance to inclusiveness.