This summary report integrates the findings and policy recommendations of five individual reports. Two have already been published by the EBA, whereas the other three cover elements that have not been assessed before. Although some general references to the methodologies and overall key findings of the different studies are provided directly in this report, the reader should refer to the different studies to gain a more comprehensive view of the results. The purpose of the summary report is to provide the reader with an overview of the work carried out by the EBA in order to fulfil the mandate, focusing on the main findings and conclusions of the different studies and providing a list of key policy options and recommendations.