Thus surplus capital is returned as dividends, while the onus is on the Bank to determine the appropriate amount to be held to maintain sound capital adequacy. The Bank consults closely with the Treasury on these matters, with the intention of coming to an agreed recommendation that is submitted to the Minister for decision.
Each payments method has its strengths and weaknesses, and so users should be able to choose the most suitable payments method for each particular type of transaction. In some cases the pricing of the transaction enables them to do so in a manner which contributes to an efficient low-cost retail payments system, while in some other cases it does not.