The effect of state guarantees that had favored a sharp increase in bank loans to companies during the pandemic vanished, and at the end of 2022 the stock of bank loans stood at 744 billion euros, down by nearly 70 billion compared to 2017 (-8%) and substantially at the same level recorded at the end of 2020 (750 billion) and the end of 2021 (743 billion). As a result of the cessation of governmental help, bank financing to entrepreneurial operations has essentially ceased. On the other hand, loans to families are increasing, driven by mortgages for the acquisition of houses as well as the expansion of consumer credit. There was an increase of about 61 billion (11%) from 534 billion to 595 billion in the five years under consideration. Despite the epidemic and the conflict in Ukraine, banks continued to purge their balance sheets between 2017 and 2022, with total nonperforming loans falling from 164 billion to 32 billion, a decrease of 131 billion (-80%).