As highlighted by the July 2017 ECB stocktake report on national supervisory practice and legal frameworks related to NPLs, a number of structural obstacles still prevent banks from resolving their NPLs in a timely fashion across the euro area. These include lengthy legal procedures, tax and indeed accounting impediments.
The focus of these  initiatives is on education; healthcare; skills development; vocational training; support for disadvantaged and handicapped people; arts and culture development; and sports and recreation. Many of the community projects that the Staff  Volunteer Programme supports involve infrastructure upgrades, such as the renovation of nursery schools, classrooms and primary healthcare clinics.