Governance & Regulation

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.

With the Fundamental Review of the Trading Book (FRTB) implementation date approaching, the market landscape remains divided. Regulatory discussions around transitional multipliers continue and the fundamental challenge for financial institutions has shifted from model selection to data granularity. This article analyses the current market sentiment and outlines why data readiness is the critical success factor for 2026.

The proposals by BaFin and the Bundesbank to reform the capital adequacy regime for small banks had raised great expectations. Now the High-Level Task Force on Simplification (HLTF), set up by the ECB Governing Council, has presented its recommendations. They take up some ideas, but remain vague. The following article provides an overview of the most important points of the European reform package.

Customer Magazin NEWS 03/2025 With the Digital Operational Resilience Act (DORA) coming into force for institutions and financial service providers, the European Union has taken a decisive step towards harmonising and strengthening IT security and resilience requirements. It is now becoming clear what hurdles institutions have to overcome, which solutions have become established – and where challenges remain.