Risk & Resilience

EIOPA argues that non-bank financial intermediation, especially insurer-held private credit, is necessary to meet EU investment needs. It also warns that growth must come with sound risk management, consistent definitions, and coordinated supervision. This is a thought-leadership article, not a binding rule. Even so, it signals supervisory priorities that insurers and other NBFI-exposed firms should expect to see in future reviews.

An ECB staff blog finds that about 80% of euro area households hold no market-based financial instruments, and that roughly one-third of household financial assets, nearly EUR $10 Trillion, sits in low-yield deposits. It calls for targeted financial literacy, simple investment products, and swift implementation of savings and investment accounts (SIAs) and pension reforms. The post is not binding, but it signals the direction of EU retail investment policy and the product and conduct expectations firms may face.

The Central Bank of the UAE has put cybersecurity, fraud prevention, corporate governance and emerging technologies on its supervisory agenda for 2027, outlining its priorities during a meeting with the country's banking and insurance executives in Abu Dhabi on Wednesday. The meeting brought together senior central bank officials and chief executives for the UAE Financial Sector Supervisory Roundtable, where discussions ranged from the suitability of financial institution leadership to the growing use of artificial intelligence and digital assets. The gathering also offered a look at the Central Bank of the UAE's (CBUAE) strategy for 2027 through 2029, with operational resilience and closer coordination between supervisors and financial institutions receiving particular attention.

The Norway Financial Supervisory Authority has listed Seven Apex Capital in a warning that appears to originate from Portugal's securities regulator, the CMVM. Compliance teams should treat the entity as a potential unauthorized or fraudulent investment solicitor and screen for any exposure. The source record is sparse, so the details need independent verification.

In a September 15, 2026 speech, Carolyn Wilkins used historical lessons from private money to argue that stablecoins can work at scale only with credible redemption, high-quality reserves, a consistent regulatory perimeter, and crisis liquidity arrangements. She previewed the Bank of England's stricter framework for systemic sterling stablecoins, due to be finalized at the end of 2026, and described the financial stability and geopolitical implications of dollar stablecoin growth. Compliance teams with stablecoin exposure should treat this as a signal of supervisory expectations on liquidity, reserves, and cross-border governance.

The ECB's Q2 2026 supervisory statistics show significant institutions with a stable aggregate CET1 ratio of 16.00%, return on equity of 10.73% (the highest since the series began in 2015), and a cost/income ratio of 53.06% (the lowest on record). The ECB also launched system-wide statistics that combine significant and less significant institutions. This is an informational publication with no new obligations, but it provides updated benchmarks for peer comparison and supervisory dialogue.

The ECB's Q2 2026 supervisory statistics show significant institutions holding a stable aggregate CET1 ratio of 16.00%. Return on equity reached a series high of 10.73%, and the cost-to-income ratio hit a series low of 53.06%. Asset quality and liquidity remain sound, but the ECB has also launched system-wide statistics covering both significant and less significant institutions, which gives compliance teams a broader peer benchmark and signals where supervisory attention may focus.