Derfor besiddes betydelige markedsandele i mange medlemsstater af bankkoncerner, som har hovedsæde i andre medlemsstater, og kreditinstitutter har geografisk diversificeret deres virksomhed, såvel inden for som uden for euroområdet.
Consequently, in many Member States, banking groups with their headquarters established in other Member States hold a significant market share, and credit institutions have geographically diversified their business, within both the euro area and non-euro area.