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Abbreviations
6

Executive summary
8

Introduction
10

1. External environment
12

1.1 Market sentiment and macroeconomic environment
12

1.2 Regulatory developments
15

2. Asset side
20

2.1 Volume trends
20

2.2 Asset quality
26

3. Liability side
39

3.1 Funding
40

3.2 Deposits
45

3.3 Asset encumbrance and central bank funding
48

4. Capital
52

5. Profitability
57

6. Consumer issues, reputational concerns and IT‑related operational risks
71

6.1 Legal/litigation issues and reputational concerns
71

6.2 Information and communication technology‑related operational risk
73

7. Policy implications and possible measures
75

Annex I — Samples
77

Annex II — Descriptive statistics from the EBA key risk indicators
79