On the whole, the number of institutions which, in terms of systemic risks, are “too big to fail”, will rise. Alternatively or complementary to the massive growth we are seeing in many places at present, specialisation, the return to core business or measures denoted by the term „lean banking“, i.e.
the attempt to reduce costs by outsourcing activities, shrinking the range of in-house banking services or purchasing outside services. From an economic point of view these may be important strategies for the banks in the future, but outsourcing must never affect regularity of business or the possibility to control business for the management as well as for the supervisory authorities.