By 31 December 2015 , EBA shall report to the Commission , on the basis of the items to be reported in accordance with Part Six , Title III , on whether and how it would be appropriate to ensure that institutions use stable sources of funding , including an assessment of the impact on the business and risk profile of institutions established in the Union or on financial markets or the economy and bank lending , with a particular focus on lending to SMEs and on trade financing , including lending under official export credit insurance schemes and pass through financing models , including match funded mortgage lending .