ECMI Commentary 21, February 2009: ECMI Chief Officer Karel Lannoo looks at the large differences that remain in the risk management of European banks and in the way bank regulation is implemented. Drawing on comparisons between Spanish banks and their counterparts elsewhere in Europe, he concludes that more integrated European oversight, if it happens, will need to be elaborated very carefully and accurately. This means a watertight structure, an accountable management and a clear division of responsibilities.

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