You brought more people into the banking system, helped strengthen financial literacy and capabilities, and worked to address digital divides in areas of need—particularly in rural communities—at a time when connectivity is essential. I would like to close by saying thank you. You have been working hard through this crisis, and an enormous amount of work still lies ahead.
Similarly, the role of large, complex financial institutions in the international financial system calls for ongoing cooperation among the major central banks in underpinning the liquidity of international markets. Finally, let me emphasise that the locational decisions of financial firms within the euro area should not be driven by regulatory considerations.