Banks are the first to defend all of the above. Legal certainty is fundamental to their activity. It is not only that they comply with court rulings, which is obvious, but also that they have a clear understanding of the legal framework in which they operate. In fact, banks as financiers of the economy are also fundamental to growth. They provide financial services to economic agents, in addition to managing a significant portion of the savings of companies and households. It is important that institutions are aware of the relevance of the financial sector. In the case of judicial activity, it is also important that they have the appropriate means to properly assess banking activity and its high complexity.
We are in an environment of zero interest rates, under very lax financial conditions. An exceptionally favorable monetary policy that puts downward pressure on the profitability of financial assets. This leads many investors to assume greater risks in search of more attractive returns. And it is not only the risk assumed as such, its size and the difficulty of managing it properly, but also the greater complexity of the investment products currently available. The financial landscape is evolving very rapidly, with increasingly varied and sophisticated products and services. The higher the potential return, the greater the risk. And this relationship becomes exponential in an environment as difficult as the current one. Yes, it is essential to understand it and manage it properly.
