In practice, their implementation was, until recently, left to national regulators, who applied very different standards. Most important, while state subsidies in all other sectors are forbidden, they are commonly accepted in banking – not only explicit subsidies, such as Germany’s bailout of several Landesbanks after the American subprime-mortgage crisis, but implicit subsidies as well.
原则上，欧盟银行规则对所有成员国通用。实践中，到目前为止，规则的实施仍取决于国家监管者，而各国监管者所使用的标准各不相同。最重要的是，尽管其他部门的国家补贴都被禁止，但在银行业，补贴被广泛接受——不仅包括美国次贷危机后德国援助Landesbanks这样的明补，也包括暗补。一些法国银行交易员公开吹嘘，在法国政府的支持下，他们的银行永无倒闭之忧。