First, some regional banks feel that market pressure and the rating agencies will force them to adopt A-IRB and, as a result, to incur significant costs. Our discussions with rating agencies do not support the regional banks' fears. Indeed, our sense is that the rating agencies feel that adoption of A-IRB by regional banks at this time would not be cost effective.
Almost two percentage points of the increase are attributable to the financial support that Italy has given to other EU countries.