Moreover, both Liikanen and the ICB favor structured universal banking – legally separate entities with separate capital, management, and so forth – rather than calling for its demise, as urged by those who want to split commercial from investment banking fully. For large banks, Liikanen would separate trading from deposit banking, while the ICB’s proposals, which are now incorporated in draft legislation in Britain, would ring-fence retail banking.
此外，利卡宁和ICB均支持有组织的全能银行——以独立资本、独立管理等合法地经营独立实体——而不是应试图完全分离商业银行和投资银行者之要求取消全能银行。对大银行来说，利卡宁将让交易与存款银行业务分离，而ICB的方案——现在已被纳入英国法律草案中——将隔离零售银行业务。