In addition, they are based on the hypothesis that over the time horizon covered by the tests, the banks do not independently strengthen their capital position, which some of them will need to do anyway with a view to their balance-sheet assessment.
Productivity in the industry declined in the 1970s and 1980s, and has remained at a virtual standstill since the 1990s, in contrast to an increase in productivity in manufacturing, which was accelerated since the exposure program in the 1990s, and the agriculture industry in which there was a moderate increase in productivity over the entire period.