In recent years, the macroeconomic environment has presented plenty of challenges. The Belgian and, by extension, European banking sector was able to meet these challenges well. This in terms of both solvency and liquidity. It will continue to be a challenge to keep credit risks at a healthy level. Furthermore, it remains an urgent matter for the sector to invest in solutions that ensure a low-carbon, sustainable and foremost social planet. Profitable banks can build up buffers to overcome lesser periods and keep investing in their clients and in digitization. Regulators and legislators should take this into account when aiming for common goals: financial stability in a thriving society.