Reto Schiltknecht, a former Finma member, emphasizes the need for cantonal banks to assess their risk exposure and develop crisis plans, particularly highlighting the Luzerner Kantonalbank's significant burden on the canton of Lucerne. In contrast, the Berner Kantonalbank poses a lower risk, illustrating the importance of tailored risk analysis for each bank. He advocates for proactive measures, including strengthening capital bases and preparing for potential crises, to ensure the stability of these key financial institutions.