1 While institutions are continuing to make allowances for risk by stocking up the fund for general banking risks  (pursuant to section 340g of the German Commercial Code), they are planning to set aside roughly 6.1 billion euro less altogether between 2017 and 2021. 2 The individual scenarios are as follows. The blue bar shows the banks’ own P&L projections.
The dark blue line  continues the current interest rate level. It is based on a constant yield curve and the balance sheet as at 31 December 2016. The green line depicts the positive interest rate shock scenario, in which the assumption of an unchanged balance sheet is retained.