Mr. Mario Nava:

We have heard the statement many times that the compliance costs have increased. Let us say the increase is connected with the fact that the rules have increased. What I said, even in my statement, is that the two essential elements of a good financial sector which citizens can trust are good bank governance and their own ability to respect the rules and then check the rules. Without being able - because it is not my job - to judge whether an increase was too much or too little, it is clear that as there were more rules, banks were probably wise to step up their ability to comply with them.