Sustainable business models must be well-conceived and must also enable banks to weather difficult phases. If credit institutions change their strategic focus as a result of the new rules, as we have actually already seen in a few cases, this is not necessarily a negative side-effect of regulation.
It may actually be proof that the new rules are working – that is, that they are encouraging banks to adopt sustainable business models. 8. Conclusion  Ladies and gentlemen, to conclude, I have some good news and some bad news. Let's start with the bad: banking regulation has admittedly become a very complicated matter.