BIS central bankers’ speeches  3  –  I do recognise that the requirement to issue designated bail-in instruments can be interpreted as higher capital requirements. These would, however, apply across business lines not only to the deposit bank.
Lenders will soon move away from mere use of ‘gut feeling’ or other rudimentary forms of information gathering that are unreliable and costly to assemble. By paying attention to maintaining high quality data in the credit reference bureaus, the players will also minimise contentions by borrowing customers as every effort must be made to address customer complaints on data accuracy.