Financial Stability Report 50

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• Financial Stability Report 50 (PDF, 1,3 MB) November 2025

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• Recent developments and macroprudential policy update (PDF, 386 kB) en 11.11.2025, 00:00:00

• OeNB 2025 solvency stress test (PDF, 129 kB) en 11.11.2025, 00:00:00

• Good AI – bad for banks? (PDF, 513 kB) Kerbl. Artificial intelligence is the new buzzword – and with good reason: It is reshaping the world around us. With the financial sector being particularly suited for the use of AI, we are called upon to examine the implications of AI use for financial stability. In this paper, we take a closer look at the financial stability risks that arise as banks, nonbank financial institutions, borrowers and society as a whole embrace the new technology. To do so, we compare the findings of five renowned financial institutions and discuss four different AI scenarios. en artificial intelligence, technological change and financial stability, cyber risk G28, O33 11.11.2025, 00:00:00

• Biases in Threat-Led Penetration Testing – maintaining the TIBER spirit under DORA (PDF, 182 kB) Richter, Wellischowitsch. The EU’s Digital Operational Resilience Act (DORA) came into force in January 2025. It requires financial entities to perform Threat-Led Penetration Testing (TLPT) to find weaknesses in their cybersecurity. TLPT was previously optional, but now that it is mandatory, there is a risk that it could become a formality that does not provide any real benefits. This article looks at key biases that could make TLPT less effective and outlines strategies to address them. en Threat-Led Penetration Testing (TLPT), TIBER-EU, Digital Operational Resilience Act (DORA), Cybersecurity Regulation, groupthink bias, supervisory oversight, financial entities, operational resilience, TIBER Cyber Team (TCT) G28, K23, L86, O33 11.11.2025, 00:00:00

• Key financial indicators (XLSX, 25 kB) de 11.11.2025, 00:00:00