Should further declines occur, a more gradual downward drift over a period of one to two years would be the more likely scenario.
Overall, the work of FinCoNet over these years has become extremely relevant in supporting the comparison and evaluation of supervisory instruments, the dissemination of good practices, the analyses of critical issues, the formulation of policy proposals. The Bank of Italy has also devoted a great effort to the development of a comprehensive consumer protection framework in the Italian banking system.