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=== Future IT development ===
[[Image:Self-Funding Model for Future IT Development.jpg|thumb|320px|Self-Funding Model for Future IT Development, 2008.<ref name="FDIC08">CIO Council (2008) [http://www.fdic.gov/about/strategic/it_plan/IT_Strategic_Plan_2.pdf Information Technology Strategic Plan 2008–2013], January 23, 2008. {{
The banking business model has become more complex, giving rise to financial instruments such as [[collateralized debt obligation]]s (CDOs) and [[structured investment vehicle]]s (SIVs) to manage risk. These instruments have created greater dependencies between the domestic and international financial markets. Financial institutions must, therefore, strike a balance between regulatory, legislative and banker concerns while appropriately managing risk.<ref name="FDIC08"/>
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