Country

Total Significant and Major Challenges

Not addressed by CSR

Addressed by CSR

Overall Efficiency ratio

Austria

7

3

4

57%

Belgium

10

4

6

60%

Bulgaria

12

2

10

83%

Croatia

8

2

6

75%

Cyprus

7

1

6

86%

Czech Republic

9

2

7

78%

Denmark

5

3

2

40%

Estonia

8

2

6

75%

Finland

6

2

4

67%

France

9

1

8

89%

Germany

8

3

5

63%

Greece

15

3

12

80%

Hungary

10

10

100%

Ireland

8

2

6

75%

Italy

12

2

10

83%

Latvia

11

4

7

64%

Lithuania

14

3

11

79%

Luxembourg

12

5

7

58%

Malta

8

2

6

75%

Netherlands

8

3

5

63%

Poland

10

2

8

80%

Portugal

8

4

4

50%

Romania

9

3

6

67%

Slovak Republic

10

1

9

90%

Slovenia

6

6

100%

Spain

9

3

6

67%

Sweden

4

2

2

50%

Grand Total

243

64

179

74%