A well written article indeed. Questions spill when we see and analyze performance of Banks post crisis. We are chased like before by financial and subsequent economic disaster, we fail to counter crisis for reasons; we are not planned and prepared, we only counter crisis not rectify our carelessness and errors, we do what we wish to quadruple profits at the cost of ordinary citizens, we care for bank's profit discarding CSR.

We need to take steps that are beneficial for both society and bank, and the economy at large. Weshould be proactive and prepare in advance so to cope with this meance (crisis) successfully. We need to stop applying and employing obsolete laws and regulations.