Deposit growth has been strong, reducing the banks' reliance on market-sensitive funding sources, such as interbank borrowings. At the end of 2014, market funds financed 17 per cent of assets, down from 26 per cent in 2012. However, Moody's maintains its negative view on the banks' capitalisation and profitability, which will remain depressed due to high loan-loss provisions. The rating agency said it would take a long time to adequately provision or write off legacy problem assets. Moody's also said accelerating credit growth would pressure capital adequacy. Options to improve capital buffers are scarce, due to the banks' weak bottom-line profitability and a limited ability to raise capital externally. The rating agency said it expected government support to be forthcoming for state and private banks in case of need, in the form of forbearance and liquidity assistance.