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Sir John Vickers, Chairman of the UK's Independent Commission on Banking, speaks during the annual membership meeting of the Institute of International Finance September 25, 2011 in Washington, DC. The group met to discus international finance and the state of the world economy. AFP PHOTO/Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)

Sir John Vickers, Chairman of the UK's Independent Commission on Banking, speaks during the annual membership meeting of the Institute of International Finance September 25, 2011 in Washington, DC.  The group met to discus international finance and the state of the world economy.  AFP PHOTO/Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)