Page 53 - 2014_3865_EBA 5th

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R I S K A S S E S S M E N T O F T H E E U R O P E A N B A N K I N G S Y S T E M — J U N E 2 0 1 4
0 %
20 %
40 %
60 %
You expect an overall increase in your bank's
profitability in the next months
You primarily target this area for increasing
profitability in your bank in the next months:
a. Net interest income
b. Net Fees and Commissions income
c. Other operating income
d. Operating expenses
e. Impairments
f. Other
ou are reducing costs through (indicate
"yes" for up to 3 options below):
a. Successfully established cost-cutting
b. Overhead reduction and staff costs
c. Outsourcing some of the administra-
tive and development departments (IT)
d. Off-shoring or near-shoring
e. Cutting of non-profitable units.
f. Other.
0 %
50 %
100 %
Jun 2014 A — Agree
Dec 2013 A — Agree
A — Agree
D — Disagree
Figure 52: Drivers of profitability (
: RAQ)