Eventually it can be used to identify trends in the industry but certainly not to trigger supervisory action on a single bank. 4. Accountants and auditors  I cannot conclude these remarks without at least touching on an essential component of a trust-based environment, and that is the accounting profession.
If new capital is not attracted, a return to that gearing ratio requires a 25 per cent reduction in lending. This pattern is not unique to Denmark, but is seen in many countries. In a situation where banks cannot raise new capital in the markets, many countries have chosen to inject capital into the banking sector by launching government rescue packages.