Borrower based measures Third, borrower based measures such as loan-to-income limits (LTI) and loan-to-value limits (LTV) make both banks and borrowers more resilient. Increased Co-ordination  3/7  BIS central bankers' speeches  Wider institutional fora are important when thinking about the joint responsibility ‘authorities’ have for financial stability.
The crisis could also provide impetus for greater recourse to:   Technology and innovation – the general perception is that (apart from the expansion of ATMs) the region has not come close to maximizing the use of technology to increase efficiency and reduce banking spreads.