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Finance & Risk

Regulatory innovations and requirements

Ways towards sustainable bank management: fulfilling a bank’s very own transformation functions; maturity, lot size and risk transformation.

Street of abstract lights as a metaphor for decarbonization pathways for financial institutions

Decarbonization pathways for financial institutions: overcoming challenges with practical solutions

What are the main obstacles financial institutions will face in defining a target trajectory in practice? Practical solutions for dealing with these challenges.
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Abstract calculation board as metaphor for optimization in lending business using the risk relevance threshold

Optimization in lending business using the risk relevance threshold

The risk relevance threshold offers a valuable opportunity to simplify processes and at the same time ensure compliance with regulatory requirements.
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Abstract bank building as metaphor for T+1 soon to apply in the EU, too?!

T+1 soon to apply in the EU, too?! Exploring the (market) impact of a shortened settlement cycle

Settlement cycles in securities business are about to undergo a profound change. Strong indications suggest that the European Union will shorten the settlement cycle
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abstract data stream as metaphor for navigating through the upcoming regulatory changes on the capital markets

MiFID III? Navigating through the upcoming regulatory changes on the capital markets

Despite being in force since 2018, many institutions still struggle to fully comply with MiFID II and MiFIR regulations. Recent supervisory actions conducted at
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Cargo containers as metaphor for the Corporate Sustainability Due Diligence Directive (CSDDD)

The CSDDD has been introduced: What are the additional requirements for banks and savings banks?

The Corporate Sustainability Due Diligence Directive (CSDDD) aims to prevent human rights violations and environmental harm during product and service manufacturing within the EU.
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Abstract cloud computing and network as metaphor for ECB guidelines on risk data aggregation

New ECB guidelines on risk data aggregation and risk reporting

Ever since the ECB’s announcement of its supervisory priorities for 2023–2025 in December 2022, followed by Andrea Enria’s keynote speech during the Annual Conference
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Colorful Montage of Buildings as metaphor for BaFin sets the focus on the credit institutions’ real estate portfolios

BaFin sets the focus on the credit institutions’ real estate portfolios

In addition to the usual audit types, BaFin has established “real estate business“ as a new focus area for its audits.
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Digital Operational Resilience Act (DORA) – new requirements and implications

Digital Operational Resilience Act (DORA) – new requirements and implications

DORA establishes a legal framework for the direct monitoring of critical third-party ICT service providers (especially large cloud computing service providers).
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Supervisory and market focus on interest rate and liquidity risks in the banking book

Supervisory and market focus on interest rate and liquidity risks in the banking book

Analytical framework for bank management to identify and eliminate weaknesses. In specific cases, it even uncovered earnings potential.
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Dynamic risk management – revised core model

Dynamic risk management – revised core model

Dynamic Risk Management (DRM) is a standard currently under development to reflect interest rate risk management measures in financial reporting.
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Liquidity management: modeling cash flows for variable bank products

Liquidity management – a comparison of approaches to modeling cash flows for variable bank products

Regulatory requirements merely provide the framework – the institution-specific implementation can be based on different modeling approaches.
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Cost management evolution

Cost management evolution

New models for cost governance in the context of market evolution, new competitive forces and regulatory requirements.
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Carbon accounting: Managing financed GHG emissions

Carbon accounting: Managing financed GHG emissions

The EU is facing a massive transformation of the real and the financial economy due to climate change. Operational and regulatory relevance of carbon
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EU taxonomy: special challenges for automotive banks

EU taxonomy: special challenges for automotive banks

When is an investment classified as taxonomy-aligned? The business of automotive banks against the background of the EU taxonomy.
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AI applications: BaFin’s regulatory requirements

BaFin’s regulatory requirements for AI applications

LISTEN TO AUDIO VERSION: Supervisors focus attention on AI Banks must follow suit – BaFin defines minimum requirements for use
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EU taxonomy: sustainable or not?

The EU taxonomy: sustainable or not? That’s the question

The EU taxonomy for sustainable investments is the key basis for assessing the sustainability of economic activities and is relevant for several other EU
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Business analysis stock graph backtest in crisis covid-19 for investment in stockmarket and finance business planning selective stock for Stockmarket crash and Financial crisis as metaphor for the article "Liquidity study 2020 – importance of liquidity risk management"

Liquidity study 2020 – developments in liquidity risk management

The regulatory developments of the past years highlight the huge importance of liquidity risk management and the associated challenges.
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Investment strategies and process isometric as metaphor for "Five years of IRRBB – a status quo assessment for interest rate risk management"

Five years of IRRBB – a status quo assessment for interest rate risk management

Interest Rate Risk Study 2020: Current implementation status of IRRBB requirements and challenges.
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Cityscape with abstract light trail as metaphor for "BIRD 5.0 – Opportunity for FinTechs and neobanks"

BIRD 5.0 – Opportunity for FinTechs and neobanks?

With Revolut, we took a fresh look at the BIRD initiative – Banks Integrated Reporting Dictionary – in terms of potential benefits.
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Market concept on screen as metaphor for "Effectively managing non-financial risks (NFRs) in an integrated manner and leveraging synergies"

Effectively managing non-financial risks (NFR) in an integrated manner and leveraging synergies

An integrated and consistent framework is the key to effectively managing non-financial risks
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Woman using futuristic digital interface display as metaphor for the article "LCR forecasting with AI"

LCR forecasting with AI

Artificial intelligence in liquidity management.
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Close-up. Person analyzing on computer as metaphor for "SREP guidelines require comparisons with competitors of business models"

SREP guidelines require comparisons with competitors

Approach for operational optimization and strategic decisions.
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Robot's interface as metaphor for "A Treasury that manages Itself with AI and Digital Technologies"

A Treasury that Manages Itself with AI and Digital Technologies

How digital transformation can succeed in Treasury and how it changes the Treasurer’s role
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Abstract image "data integration" in "the vision of company-wide data integration—bank-wide corporate dictionary 2.0"

The vision of company-wide data integration—bank-wide corporate dictionary 2.0

Company-wide integrated and harmonized data models at credit institutions as a solution for current and future challenges.
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Final EBA requirements for the estimation of downturn LGDs / BankingHub

Final EBA requirements for the estimation of downturn LGDs

Focus: Modeling of risk parameters – new importance for downturn parameters in IRBA model development.
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Abstract image: 3rd act of LCR – “fine-tuning” or LCR 3.0_BankingHub

3rd act of LCR – “fine-tuning” or LCR 3.0?

The European Commission publishes a Delegated Regulation (DelReg) LCR corrigendum.
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Asset management – the discomfort zone

Asset management—the discomfort zone

Defining a distinctive strategy for European asset managers.
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Abstract navigated network as metaphor for "The looming benchmark: Navigating the challenges of the IBOR transition"

The looming benchmark – IBOR reform process

Navigating the challenges of the IBOR transition.
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Integrated Financial Resource Management (IFRM)

Integrated Financial Resource Management (IFRM)

How to manage scarce financial resources in banks.
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Businessman flying on top of money

Basel IV: approach for determining the capital charges

SMA for operational risk finalized.
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