whether banks are sufficiently resilient to stress effects, which can arise if the economy suffers an unexpected downturn, for … example. This might coincide with system-wide deleveraging if banks are insufficiently resilient. Systemwide deleveraging, in … take multiple first-round scenarios into account. The sequence comprises (i) the loss-absorbing capacity of banks in the …

Appropriate counselling interviews, fair credit conditions and the bank’s support in the case of delinquency constitute … creative leeway has been left for instalment loans. We sketch the results of a credit test encompassing a broad range of banks … insurances among the tested banks thus delivering some proof of irresponsible lending. As a way out we discuss a return to …