While the application of such provisioning will be an important step forward, it may not be enough as provisioning for losses in the loan portfolio may not be sufficiently large and buffers are also needed against fluctuations in the value of financial assets.
Kuigi sellise reservide loomise rakendamine on oluline samm edasi, ei pruugi see olla piisav, sest loodud reservid laenuportfelli kahjumite katmiseks ei pruugi olla piisavalt suured, ning samuti on vaja puhvrit finantsvara väärtuse kõikumiste vastu.