The Dutch Authority for the Financial Markets published the full speech by Jan Berndsen, Head of Account Supervision and Assessments, delivered on 30 October at the Leaders in Finance Risk Event 2025, warning that financial risks do not disappear but change form and can remain hidden. Berndsen argued that periods of calm and optimism in financial markets can mask emerging vulnerabilities, particularly against a backdrop of geopolitical turmoil and broader transformation, and called on both regulators and market participants to identify risks in time and take action. The speech is available for download under the title “From Fragility to Foresight”.