Similar capital requirements review should also be carried out by the Commission on real estate related lending as risks in these instruments were central in the crisis. The ultimate goal of the five proposals of the High-level Expert Group is to ensure financial system stability while ensuring banks’ role in financing the European economy.
Or as stated in the mandate “to establish a safe and efficient banking system, serving the needs of citizens, the EU economy and the internal market”. As this list shows, the High-level Expert Group did not see structural separation as a “silver bullet” for stability and security.