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Abbreviations
10

Executive summary
12

Introduction
14

1. External environment
16

1.1. Market sentiment and macroeconomic environment
16

1.2. Regulatory developments
18

2. Asset side
21

2.1. Volume trends
21

2.2. Asset quality
30

3. Liability side
40

3.1. Funding
40

3.2. Deposits
46

3.3. Central bank funding and asset encumbrance
48

4. Capital
51

5. Profitability
56

6. Consumer issues, reputational concerns and ICT‑related operational risks
68

6.1. ICT‑related risks
68

6.2. Litigation issues and reputational concerns
69

7. Policy implications and possible measures
72

Annex I — Samples
74

Annex II — Descriptive statistics from the EBA key risk indicators
76