Joint Committee Update on risks and vulnerabilities in the EU financial system - Autumn 2026
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Half-yearly risk report of the three European Supervisory Authorities, presented to the Economic and Financial Committee on 10 September. It concludes that the EU financial system has withstood volatility but identifies external dependencies, AI-related cyber risks and private credit as key vulnerabilities.
Key points
- EU equities at record highs despite Middle East tensions; limited spread widening
- Funds heavily exposed to the US; insurers' global interconnectedness contained
- Banks face funding gaps in US dollars, sterling and Swiss francs
- Private credit risks: infrequent valuations, uncertain leverage and liquidity mismatches
Who is affected
Banks, insurers, investment funds and supervisors
Plain-language version
The autumn risk report by the EBA, EIOPA and ESMA, the EU authorities that watch over banks, insurers and markets. European stock markets are at record highs despite tensions in the Middle East and the system has held up, but concerns include foreign dependencies, AI-driven cyberattacks and private credit, which is rarely valued and may struggle to pay money back quickly.
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Summary produced with artificial intelligence from the official publication. It may contain errors: always check the original document.
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