The high-level expert group on reforming the structure of the EU banking sector was set up to examine whether structural reforms of the EU banking sector were needed to make it more stable and efficient. It was chaired by Erkki Liikanen, governor of the Bank of Finland.

The group recommended the following measures in its October 2012 report

  • mandatory separation of proprietary trading and other high-risk trading activities
  • a possible additional separation of activities conditional on the recovery and resolution plan
  • possible amendments to the use of bail-in instruments as a resolution tool
  • a review of capital requirements on trading assets and real estate related loans
  • strengthening of the governance and control of banks

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