As you know, these include quantitative measures, including restrictions to the distribution of dividends, limitation or even prohibition of bonus payments, prohibition of credit lending and limitations on opening up new business areas. In addition, Pillar 2 includes a number of  BIS central bankers’ speeches  5  qualitative measures (addressing management and reporting issues for example), internal controls and risk management practices.
We will make use of the full Pillar 2 tool box as appropriate to address the specific situation of each institution. Conclusion Let me conclude by briefly summarizing some key messages: the comprehensive assessment needs to be a success, and we have catered for the necessary critical factors.