164 | Financial stability challenges in EU candidate and potential candidate countries | Francisco Ramon-Ballester, Christos Papazoglou, Li Savelin, Marianna Ĉervená, Daniela Pulst, Stoyan Manolov, Ramona Jimborean, Piotr Macki, Other contributors , IRC Expert Group of the ESCB , Michaela Posch, Ivan Huljak, Winona Kuhles, Zsolt Oláh, Bálint Dancsik, Andrea Colabella, Isabella Moder, Klodion Shehu, Krenare Maloku, Mihajlo Vaskov, Borko Bozovic, Ana Vlahovic, Dejan Vasilijev, Bahadır Çakmak |