First and most importantly, a change in perception from looking upon the capital framework as a compliance function to seeing it as a necessary pre-requisite for keeping the bank sound, stable, and therefore profitable; second, deeper and more broad based capacity in risk management; and finally adequate and good quality data. Conclusion 60.
That brings me to the close of my list of ten questions and answers. Even as I have tried to be comprehensive, I am conscious that the list of questions I have raised is not exhaustive; neither are my answers complete.