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.
And we all just have to accept this new status quo. And now for the good: we actually have the potential to improve on this status quo. We supervisors can achieve this by looking at any negative implications that arise and identifying where small institutions are being unreasonably disadvantaged.