The expanded approach for financial inclusion, on the other hand, focuses not only on the provision of the basic banking products but also other important ancillary financial products, such as, general insurance, health insurance, micro-pension, mutual fund, finance for affordable housing, etc.
Although a decision on burden-sharing is a necessary condition for a fundamentally new European supervisory structure, we can still make progress without it. In this respect I  BIS Review 59/2009  3  envisage grey and white areas. White areas refer to tasks that should be performed at the EU level.