Simplifying the structure of the bank ex-ante would also serve this purpose. It is crucial to make credible the resolution also of the largest and most trading-intense banks.   Fourth, to reduce the mixing of two very different management cultures in 1) the customer-based retail and commercial banking and 2) the transaction-based trading activities.
2  When weighting the “benefit”, though, one may consider that as the usage of these instruments is expanded to very high proportions, they may start to display diminishing returns at some point.