All core banks have now concluded corporate decision-making processes to increase their capital by the amounts required by the Bank of Greece. Shortly, we will end up with four well-capitalized core banks and a few non-core banks. As a result, the banking system is becoming more compact and efficient, eliminating excess capacity and exploiting synergies and economies of scale.
*  *  *  Paul and Alan have me at a disadvantage. Each of us was asked to reflect on our own term in office. But they have the benefit of perspective, whereas my term still has a short time to run.