Relationship between the NPL ratio and time for enforcing contacts (EU area; percentage points and number of days)  50  Cyprus  45 40  Greece  ∆ NPL Ratio (%)  35 30  Ireland  25  y = 0,023x - 4,7845 R² = 0,4175  20 15  Italy  10  Slovenia  5 -5 -  200  400  600  800  1.000  1.200  1.400  1.600  time for resolving a dispute through a local first-instance court (# of days)  Source: ECB Consolidated Banking Data and World Bank Doing Business Database.
15  1.800  Figure 7. Cost of risk and ROE (annualized data; basis points and percentage points)  Source: Bank of Italy. Figure 8. Gross income: dynamic of interest and non-interest income (annualized data; indices, 100= December 2008)  Source: Bank of Italy. 16  Figure 9.