6  BIS Review 14/2008  It is also important to share, and not to store away, such "live" information within the organization and to construct a database that enables concerned parties to use the information from various perspectives.
But these and other trends could serve to shrink the share of banks in European finance. Nevertheless, universal banking can be a very profitable business, not least because, when banks fail, their creditors are often bailed out by Government. Anticipating this, investors require a smaller premium to fund the bank. The value of this implicit government guarantee can be significant, especially during market turbulence.