It certainly is not as if all other countries still have homework to do while we in Germany can just lean back and rest on the laurels of the successful labour market and social reforms implemented in the first half of the last decade.
A few recurring recommendations from these types of reviews that may be applied to corporations more generally are to (1) ensure that loan officers do not have the ability to book and maintain their own loans; (2) confine employee access to only those loan system computer applications that are consistent with their responsibilities; and (3) provide line staff with consistent guidance, in the form of policies and procedures, on how to identify and handle unusual transactions.