The Report states several conclusions on the evolution of the banking industry. It states that the financial institutions have abandoned their key aim of providing banking services to the real economy based on the following facts: the share of lending provision to the clients out of all the activities and incomes of an institution has decreased; the weight of interest surpluses in the total income of an institution has decreased; the concentration on proprietary trading activities have increased. The ESBG would like to state that when it comes to savings and retail banks the proportion of.
