29 , 30 Summing up, population ageing is predicted to generate a faster fall in investment rates than in savings rates in most industrialised economies. The ageing process is therefore expected to contribute to a smooth and minor reduction in the equilibrium real interest rate over the next decades, while current account surpluses in ageing economies could partially mitigate this decline. II.
In line with international developments, the Bank held discussions with the banking industry on the stress-testing frameworks it implemented. In addition, the Bank continued to develop its own internal stresstesting expertise and methodology to facilitate the effective monitoring of the stress-testing frameworks of banks.