But as smaller banks hold more of their balance sheet in types of loans that are difficult to securitize, concentration risks can develop. Concentrations of commercial real estate exposures are currently quite high at some smaller banks. This has the potential to make the banking sector much more sensitive to a downturn in the commercial real estate market.
Some are technical, 4 but the 3  Threat intelligence may support financial institutions in taking the right decisions to prevent cyber attacks, effectively protect their critical assets and respond appropriately in the event of a successful cyber attack. Information sharing about cyber events through trusted channels facilitates a sector-wide response to large-scale cyber incidents (CPMI-IOSCO, Cyber guidance, 2016).