That is what we are paid to do. Our work involves looking for risks that could potentially pose a threat to the stability of the banking system. Looking ahead to 2016, we have identified a series of risks and, on the basis of those risks, chosen to focus our supervisory efforts in five specific areas. The first concerns banks’ business models.
At the heart of our work lies the question of the consequences that the sustained period of low interest rates will have for the various institutions and their business models. If they are forced to adjust their business models, banks could potentially move into riskier areas in search of yield.