Thus, the categories of risk used to determine capital are very broad and are intended to capture the “average” risk levels across the banking system for that generic exposure. Basel I, which has primarily a balance-sheet focus and simple methodology for including off balance-sheet exposures, may be appropriate for most banking organizations.
True, during the financial crisis European institutions and Member States have demonstrated their willingness to invest in the European project. Measures have been taken to 3  strengthen the EMU, such as the establishment of the ESM, the launch of the Banking Union, the introduction of new budgetary rules and the extension of multilateral supervision to macro imbalances.