This is in fact a computerised methodology that allows supervisors to assess banks systematically in terms of integrity. Back to the Civil Society again. Tackling reprehensible behaviour does not mean distrusting every participant in the Civil Society in advance. That is in any case not how financial supervisors see their task.
Financial institutions, and certainly the overwhelming majority of banks, are not out to engage in reprehensible behaviour. After all, if they did, they could be jeopardising their continuity. However, there is always the chance that an individual employed at an institution cannot resist the temptation to put his own interests above those of others. Supervisors must therefore be on the lookout at all times.