Mr Hele says that ING is studying all aspects of its operations to see how it can cope with a more fragmented landscape in which it is harder to move money around and regulatory compliance costs more.

• Hele说，ING正在全面审视自己的运营模式，试图找出对策应付将来各个分支各自为政局面。在新规则下，资金调配将更为困难，规则的遵循成本（compliancecosts注10）也将更大。