And there has also been a significant gain in the number of years lived without the need for intensive health care 4 . The price we pay for this progress is that bottlenecks may arise in the funding of the state old age pensions and supplementary pension schemes.
6 Agricultural banks are defined as banks with farm production and farm real estate loans equal to 25 percent or  more of total loans. 7 4/5  BIS central bankers' speeches  7 See Supervision and Regulation SR Letter 11–14, “Supervisory Expectations for Risk Management of Agriculture  Credit Risk.”  5/5  BIS central bankers' speeches