Banking.Vision
With Regulation (EU) 2024/886, the European Union is tightening the requirements for instant payments in the SEPA area and introducing new reporting requirements for payment service providers. This article discusses what the new requirements mean for payment service providers in concrete terms.
Banking.Vision
In 2024, the EBA introduced the IRRBB heat map as a monitoring tool for interest rate risks in the banking book. On 26 January 2026, it analysed five medium- to long-term focus topics in its second implementation report on the IRRBB heat map. Among other things, the report addresses the modelling of NMD (non-maturing deposits) and the implementation of CSRBB requirements. It also provides practical recommendations for supervisory authorities and institutions.
Banking.Vision
Our analysis of BaFin’s Digital Supervisory Briefing 2026 highlights the strategic shift toward greater proportionality and principle-based supervision (9th MaRisk amendment). The focus is on the increasing demands on the governance professionalism of management boards and the management of systemic risks through geopolitics, NPL increases, and DORA. At the same time, it highlights operational relief for SNCI institutions under the small banking regime and the LSI stress test. The article serves as a well-founded guide for institutions to understand regulatory leeway and ensure the expertise of their committees.
Banking.Vision
The Global Risks Report 2026 shows: The risk environment is becoming more complex. An updated risk inventory is crucial for banks in order to identify geopolitical, macroeconomic and technological risks at an early stage and make them manageable.