Consider a case, if an insurance company merges with a bank. We know that insurance company bears risk for insurers. Suppose, after merger, bank gets in some trouble for reasons other than the merger. What would happen to the insured? There may be no official answer to such question and to hide the situation they may declare existence of some sort 5 of ‘fire wall' which is supposed to come and pull the bank out of this blue. When any one buys an insurance policy, he may over look the problem bank is facing.

The policy question is, whether in authorization of such mergers, has the conflict of interest, which is so prominent, been taken into account? Besides, the accounting practices in corporate world, manipulative reporting an need to be taken into account.