In recent years, the absence of an effective international banking regulation system has almost stretched many banks to closing point. In this thoroughly researched and penetrating book, Charles Nforbin Nkongmesah does not compromise with mediocrity. He firmly embraces John Mason's bestseller; An Enemy Called Average. Mediocrity and no other virus has been the sole cause of poor banking regulations resulting to hair-raising squabbles between banks and their customers, and their final closure. And the author of this treatise fears that markets which are not meticulously regulated might be exposed to a series of risks which may include the manipulation of other market actors, credit risks, fraud, and this can create chaos on economies beyond national frontiers. It is a must read. Sampson Nkwetatang,Resident Fellow Magnolian Academy Cameroon. This book showcases from an international perspective,an insight of the banking industry and proffers good corporate governance and working legal environment as paramount to averting future crises.It re-iterates the need for Basel 111 to couch an international banking law.A very informative piece Kwaye Shefa Crescent Work Force USA California