In this semi-annual publication, De Nederlandsche Bank outlines developments that could potentially affect financial stability in the Netherlands. The Financial Stability Report is originally issued in Dutch as Overzicht Financiële Stabiliteit.
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DNB published its Financial Stability Report on 17 November 2025. The risks for financial stability in the Netherlands remain high amid persistent geopolitical tensions and global uncertainty about economic policies. Economic uncertainty is primarily driven by international trade and public finances. Despite the recent trade agreement between the United States and Europe, uncertainty surrounding tariffs remains significantly higher than a year ago, dampening consumer and business sentiment. Furthermore, geopolitical tensions may amplify risks through multiple channels, including price movements in financial markets and increasingly complex digital and hybrid threats. At the same time, pressures on the international legal order undermine global cooperation and the consistency of policy and regulatory frameworks.
Read more in the Financial Stability Report, available for download below.
Financial Stability Report Autumn 2025
Cijferreeks OFS – najaar 2025
02 December 2025
News
Euro area banks have been financing fewer and fewer greenhouse gas emissions through their loans to European firms in recent years, as revealed by new figures from De Nederlandsche Bank (DNB) and the European Central Bank (ECB).
Read more Drop in carbon emissions from European bank loans
25 November 2025
Speech
‘If we manage to rise to the occasion, Europe could truly become an Innovation Union’, said Olaf Sleijpen at the Central Bank of Ireland Financial System Conference in Dublin today.
Read more Awakening Europe’s Inner Animal: Building a Resilient and Innovative Economy
17 November 2025
Press release
Geopolitical tensions and global uncertainty about economic policy continue to amplify the likelihood of economic and financial shocks, posing significant risks to financial stability in the Netherlands. These developments are analysed in detail in the Financial Stability Report published today.
Read more Financial stability outlook remains concerning
13 November 2025
Background
More than half of Dutch households have trust in the financial sector, which is similar to last year. At the same time, concerns about the financial health of banks, insurers and pension funds are growing. This has emerged from a survey of more than 2,400 households conducted by DNB.
Read more Trust in Dutch financial sector solid, despite growing concern about health of institutions