Banks around the world have had a wild ride in the first quarter of 2016.
Between January and early February, European banks lost a quarter of their market value on growing concerns over provisions for bad debts and exposure to the struggling energy sector.
In March, Australia's so-called Big Four banks - ANZ, Commonwealth Bank of Australia, National Australia Bank and Westpac - saw notable sell-off in their shares, on growing concerns over bad debt and their exposure to the resources sector.
Chinese banks have also been a source of concern over the health of China's financial systems, as they started creating a web of risk through their wealth management products (WMPs). Most WMPs - as many as 74 percent - do not carry the issuing bank's guarantee that investors will be made whole at the end of the product's term, which is usually less than six months, according to ratings agency Fitch.
Moreover, in certain markets - prominently the euro zone and Japan - some banks are now being charged to deposit money with the central banks, which will have an impact on their profitability as these charges cannot be passed on to consumers.
And if that was not enough of a headache for the banking sector, it now has to factor in the growing number of start-ups that are using technology to change the way financial transactions take place.
So in this week's Trader Poll, tell us which of these options will likely create the biggest headaches for banks for the rest of the year.
