In fact, large countries with strong public finances must renounce to provide domestic banks with the implicit subsidy of public support. This will reduce their strength in competing in the European space with an advantage and will be progressively reflected in banks’ ratings and funding costs.
If we calculate this uniformly and according to internationally accepted standards, it is likely to be much higher (the commercial banks have a delinquency ratio of 3 percent);  (iii)  about 40 percent of operating credit unions maintain a capital adequacy ratio of under 10 percent (which is the recommended minimum ratio).