Annual reports

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Annual reports

The ESRB Annual Report provides an overview of systemic risk analysis, policy measures to address such risks and compliance with its ESRB recommendations (the “act or explain” procedure). It is usually published in July as part of the ESRB’s accountability obligations.

2025

at a glance

Risks to financial stability remained elevated in 2025 and into early 2026 amid a highly uncertain external environment, but the financial system as whole proved resilient.

Learn more about systemic risks to the financial system

The ESRB continued to work on several important cross-sectoral and cross-border policy topics. On average, national authorities tightened their macroprudential stance in 2025.

See our policy proposals

The General Board agreed a strategic approach to provide a holistic, EU-wide and cross-sectoral view of systemic risk. It prioritised strengthening holistic risk assessment and further embedding a system-wide approach to macroprudential policy.

Find out more about our holistic risk assessment

Annual reports

13 July 2026: ESRB Annual Report 2025
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15 July 2025: ESRB Annual Report 2024
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19 July 2024: ESRB Annual Report 2023
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3 July 2023: ESRB Annual Report 2022
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БългарскиBG ČeštinaCS DanskDA DeutschDE EλληνικάEL EspañolES Eesti keelET SuomiFI FrançaisFR GaeilgeGA HrvatskiHR MagyarHU ItalianoIT LietuviųLT LatviešuLV MaltiMT NederlandsNL PolskiPL PortuguêsPT RomânăRO SlovenčinaSK SlovenščinaSL SvenskaSV
15 July 2022: ESRB Annual Report 2021
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1 July 2021: ESRB Annual Report 2020
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23 July 2020: ESRB Annual Report 2019
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29 July 2019: ESRB Annual Report 2018
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9 July 2018: ESRB Annual Report 2017
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28 July 2017: ESRB Annual Report 2016
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25 July 2016: ESRB Annual Report 2015
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20 July 2015: ESRB Annual Report 2014
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21 July 2014: ESRB Annual Report 2013
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8 July 2013: ESRB Annual Report 2012
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БългарскиBG ČeštinaCS DanskDA DeutschDE EλληνικάEL EspañolES Eesti keelET SuomiFI FrançaisFR MagyarHU ItalianoIT LietuviųLT LatviešuLV MaltiMT NederlandsNL PolskiPL PortuguêsPT RomânăRO SlovenčinaSK SlovenščinaSL SvenskaSV
31 May 2012: ESRB Annual Report 2011
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Annual reports

at a glance

Annual reports

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