*  *  *  The Attorney-General & Minister for Trade & Tourism, Chairman of the Organising Committee for the Forum, Distinguished Guests, Ladies & Gentlemen Good Morning Thank you for inviting me to speak to you on the Economic Contribution of Tourism – The Way Forward.
Or is there only a commitment that the capital would be available in the event of a crisis? Supervisors closely scrutinise the risks posed by assets, loans and trading activities. The greater the risks of such deals, the more capital the bank must hold. A German government bond, for example, does not represent a risk when calculating the capital ratio, unlike securitised loans.