Credit flows to businesses could be supported by an additional € billion, provided that our absorption rate of NSRF funds is improved. To this, one should add the funds available from the European Investment Bank. The restructuring of the banking system The key factor to improving financial conditions is the strengthening and restructuring of the banking system, currently in progress.
Given the instances of cyber fraud in banks recently, it is necessary to improve controls and examine  6  BIS central bankers’ speeches  the need for pro-active fraud risk assessments and management processes in commercial banks. Banks must also work towards ensuring dissemination of the IT security policy and procedures and related parameters amongst all operative functionaries of banks.