Background Image
Table of Contents Table of Contents
Previous Page  5 / 84 Next Page
Information
Show Menu
Previous Page 5 / 84 Next Page
Page Background

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

3

Contents

Abbreviations 8 Executive summary 10 Introduction 12 1. External environment 14 1.1. Market sentiment and macroeconomic environment 14 1.2. Regulatory developments 16 2. Asset side 19 2.1. Volume trends 19 2.2. Asset quality 28 3. Liability side 38 3.1. Funding 38 3.2. Deposits 44 3.3. Central bank funding and asset encumbrance 46 4. Capital 49 5. Profitability 54 6. Consumer issues, reputational concerns and ICT‑related operational risks 66 6.1. ICT‑related risks 66 6.2. Litigation issues and reputational concerns 67 7. Policy implications and possible measures 70 Annex I — Samples 72 Annex II — Descriptive statistics from the EBA key risk indicators 74