acing did true that banks have a low current and expected profits, and that's a problem also for us as supervisors, because banks which are not profitable, are not generating capital, and they have low price-to-book ratios, would have difficulties in raising capital in the markets. So what can be done? If you ask the banks, they would argue that we need to water down the capital requirements. I think that would not be the right answer. I think that banks need to focus on cost efficiency, becoming, investing technologies which will provide better strategic interior. So focus on the thing that they make better and the bring them to profitability. Apart from adding pressure on the business model senične讓iti.. We also acknowledge that there are structural impediments in the markets which are dragging the profitability in the banks down. We would need more consolidation, there is excess capacity in the system and we would need greater integration in the banking union. Tudi nekaj bilo, da bomo vse predstavili, da se začeli, da je bolj profetabilit. Však je však však tudi, da se je však v tem, da je to glasba političnja, ali, da se se vse, da se vse začeli, da se vse začeli, da se je začeli, da se je začeli.