Prospects for overcoming the NPL problem are, unfortunately, not yet clear at this stage despite the large disposal of NPLs to date, as new NPLs have been emerging.
And to you, the audience, thank you for your attention. 1 Deutsche Bundesbank (2017), The danger posed to the global economy by protectionist tendencies, Monthly  Report, July, pp 77–91, and the literature cited there. 2 K Klasen (1970), Die Verwirklichung der Wirtschafts- und Währungsunion in der EWG aus Sicht der Deutschen  Bundesbank, in Europa-Archiv, 13, p 453.