So these are all positives. 3/4  BIS - Central bankers' speeches  But there is absolutely no reason for complacency. Interest rates are still rising, and this leads to risks related to funding costs and interest rate sensitivity, or credit-related risks. And the high level of debt and interconnectedness in the system creates vulnerabilities, as well as a large number of unknown unknowns.
Not to mention the long-term structural challenges we face, like climate change, the transition to a sustainable economy and the ongoing digital transformation. This means that we need to remain vigilant.