Banks can and do charge for their services but we must again stress the need for reasonableness of service charges while accepting the need for profit margins and profitability of Banks. Market based returns over inflation must be offered to Customers.
Clarifying our intention is not only important for financial market participants but also for investors and consumers. They want to know what the financing conditions for the next 12 months will be. For us, it is crucial that financing conditions in the euro area continue to be appropriate for the economic situation. And do you see risks?