Mr. Niclaus Bergmann:

From a technical point of view, there has to be a mixture of physical branches and technology. One has to be close to one's clients and people have to be able to see one's face and vice versa, but one also has to offer mobile banking services and Internet banking. We are not talking about old-fashioned banks but modern banks where everybody has access, physically or technically. The number of branches has to be decided on for each specific region. In the midlands we are talking about four or five physical branches, which would be set up in medium-sized cities.