Congratulations to you all, Class of 2017! Distinguished Ladies and Gentlemen, banking is an evolving industry,  which  provides  opportunities  for  personal  and  professional growth, while its services and products have important and increasing linkages with other areas of economic  activity.
Nout Wellink: Monetary unions in Europe and the US - just how different are they? Speech by Mr Nout Wellink, President of De Nederlandsche Bank and President of the Bank for International Settlements, at the Institut International d’Etudes Bancaires, Amsterdam, 17 May 2002. *  *  *  Introduction First of all, thank you for the invitation to speak to you today.