2  BIS Review 71/2006  IV. In the steady progress of cross-sector operation, not all financial institutions will adopt the pattern of cross-sector operation.
4. Being creative in our surveillance and monitoring  An example here is our adoption of stress testing. We stress the bank balance sheets for extreme but plausible scenarios. One specific form of stress test is the Real Estate Stress Test (REST). Based on the results of these stress tests, our banks are seen to be able to withstand plausible stresses. 5.