“The challenge now is navigating this complex environment where the sector still needs to improve, but also has to make choices. Where are the real risks? Where do we have to put our effort, and where can we do less comfortably? This is not just a challenge for banks, but also for us as supervisors, as we move from theory to practical application. The urgency of issues like discrimination and the ongoing discussion around cash handling only adds to the complexity. We are playing on multiple chessboards simultaneously, and maintaining balance remains a significant challenge. And, of course, there is technology, which is already impacting our work and will continue to be a major game-changer in the coming years.”