Countries whose bonds are purchased need to be on an adjustment programme. To date, there has been no need to activate OMTs. The announcement of the availability of the OMT has sufficed.   Finally, in the summer of 2013, the ECB changed its monetary policy communication strategy to include forward guidance on the policy rate.
For example, one solution could be changing the composition of a portfolio of loans in order to avoid excessive risk concentration. But the results will also be one important input factor into our capital guidance. Let me also remind you that for the upcoming EBA stress test, the results will be published for banks that represent 70% of the assets of the euro area.