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      "text": "In Q4 2020, loans under EBA-eligible moratoria almost halved, decreasing from €587bn at the end of Q3 to €318bn, with exposures to non-financial companies (NFC) declining the most.",
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      "text": "As the pandemic spread rapidly through Europe, banks were quick to react, with record levels of provisions booked in anticipation of an expected deterioration in asset quality.",
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