I think that it is important for each jurisdiction to consider the most desirable way to settle retail transfers through cost-benefit analysis, while taking into account developments in payments and settlements in each country. IV.
In the context of time 2018 - 2022, the level of active loans increased by 1.6 billion, or an increase of 57.9 percent during these five years. The significant increase in loans has not affected the increase in non-performing loans, since at the end of 2022 the level of non-performing loans was 2 percent, comparable to the banking systems of the European Union.