(12) Potrebno je izboljšano sodelovanje med organi, ki so pooblaščeni za nadzorovanje kreditnih institucij, zavarovalnic in investicijskih družb, kar vključuje tudi razvoj ad hoc sporazumov o sodelovanju med organi, vključenimi v nadzorovanje oseb, ki so del istega finančnega konglomerata.
(12) There is a pressing need for increased collaboration between authorities responsible for the supervision of credit institutions, insurance undertakings and investment firms, including the development of ad hoc cooperation arrangements between the authorities involved in the supervision of entities belonging to the same financial conglomerate.