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  "documentTitle": "European Banking Barometer 2015",
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      "text": "The industry is now more resilient, supporting lending growth, but banks will continue to adjust their funding profiles.",
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      "text": "Bankers continue to expect corporate lending policies to become less restrictive across most sectors in the coming year, and 51% expect to increase lending to customers. However, as banks continue to de-risk their balance sheets, the transport, financial services, construction and commercial real estate sectors will face further restrictions.",
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      "text": "Launching initiatives to promote growth remains a key focus for many European banks: half of bankers expect this to be an area of increased focus in 2015. However, when considering banks' overall list of priorities, innovation and growth activities are eclipsed by cost reduction and efficiency initiatives, and risk and regulatory programs. As a result, banks will continue to invest in technology as they continue to streamline process, strengthen cybersecurity and tackle financial crime.",
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      "text": "Risk and regulation will remain firmly at the top of bankers' priorities in 2015. Seventy-one percent of respondents see risk management as particularly important, compared with 56% in 2014. Capital, liquidity and the leverage ratio will receive even greater attention in the coming year as the Financial Stability Board progresses its consultation on Total Loss Absorbing Capital (TLAC).",
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      "text": "Banks are increasingly likely to seek funding through wholesale markets, which are now easier to access, and as ultra-low interest rates in Europe make deposit funding expensive. Forty-seven percent of respondents believe they are now more likely to seek wholesale funding, compared with 42% in 2014. By contrast, just 35% of respondents expect to introduce incentives to increase customer deposits, compared with 51% last year.",
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      "text": "Although reputational risk is the third most important priority for banks for 2015, developing new remuneration systems, which many see as a key driver of cultural transformation across the industry, and central to mitigating conduct risk are ranked 21st.",
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