But Lloyds believes that the probability of these loans going bad is negligible, as I have already mentioned, so its own regulator-approved risk model attaches a risk weight to the loans of 2.2%.

BBC: Are banks taking dangerous mortgage risks?

However, he acknowledged one potential problem - Ghana's financial regulator has yet to approve his crowdfunding business model.

BBC: Technology

In another big country, the regulator says it just plugged the CEBS scenario into its model and sent them the results.

ECONOMIST: Europe's pressured banks