• Calls for banks to improve disclosure of sovereign, bank sector exposure on permanent basis
• Small UK banks, not in EU stress tests, should also disclose sovereign debt exposure
• Banks should use strong earnings to build up capital to shield against future stresses
• Asks FSA to report by Q4 on extent to which banks are retaining profits to boost capital
• Calls for closer monitoring of exchange traded funds to protect consumers
• Says loan forebearance can support growth, but more data needed to estimate risks