3 Schoenmaker D., 2015, ‘Firmer foundations for a stronger European banking union’, Bruegel Working Paper, 2015/13, November. 4 Rossi S., 2016, ‘The Banking Union in the European integration process’, speech at the Conference on European Banking Union and bank/firm relationship, April.
Other issues are: the build-up of unclaimed deposit balances or dormant accounts on banks’ books; concentration risk on both sides of the balance sheet – large loan exposures and reliance on large deposits; the need for transparent regulatory issuances on such issues as Mergers & Acquisitions, internal controls, and external auditors; and finally the need to update manual of accounts and reposting requirements. 12.