Yeah well ..... I keep repeating I'm not a banker and that I'm trying to get my head around the situation.
So far we have all learned that Deutche Bank's non-performing loan book isn't as bad as many other banks. This could be interpreted as either good or bad news. Then there is the issue of how to define a "non-performing loan". The answer it seems depends on economic growth. Then there is the issue of non performing loans being sold or swapped off primary bank balance sheets. That does not actually make these loans go away. Shadow bans can be just as contagious as the licensed variety.
Another dopey question is how bad a loan book needs to be before a house of cards collapses ....... with and without huge injections of cash by Central Banks ....... or what additional trigger event is needed to knock the first few cards over???
Experience ..... none ...... except for warning a major conglomerate off their Lehman derivatives a few weeks before the SHTF. I also ticked the cash boxes on my super funds with the ASX @6000 but banking experience ...... none!
There are serious questions to be asked in this space and posts based on pure arrogance don't IMO cut it.