Banks still remain sufficiently shock-resistant and have been able to keep lending.   But this is a period of calm before the storm for banks. Relatively few firms and households have encountered financial difficulties so far, but this will doubtless change. Particularly if the support measures are wound down. Banks are well aware of this.
It is why they have set aside substantial provisions for possible loan defaults in the future.   Insurers are not being affected so directly by the coronavirus crisis, but they have been under heavy pressure from persistently low interest rates for a long time. This is especially impacting life and funeral insurers.