Nos derniers articles

The German and European banking sector is undergoing rapid transformation due to digitalization, ESG integration, regulatory changes, demographic shifts, and increased competition from FinTechs. Key challenges include managing complexity, leveraging AI and data, optimizing business models, and ensuring resilience and security. Banks must adapt quickly to survive, with successful integration of AI and ESG being crucial. Consolidation and evolution towards technology-driven or platform-based approaches are likely. Banks face a "transformation trilemma" of managing digital, regulatory, and ESG changes while maintaining profitability.
THE PAPER IS IN GERMAN

Banks’ digital accessibility communication varies, reflecting strategic priorities. ING and Santander proactively integrate it into long-term goals, while Deutsche Bank focuses on compliance, often superficially. Société Générale aspires to improve, but gaps persist between claims and action. Swedbank and Danske Bank offer limited transparency, prioritizing sustainability over accessibility. This fragmentation highlights differing stakeholder pressures and strategic ambitions, suggesting a need for stronger collaboration to embed inclusivity beyond compliance in self-service banking.

Increased cyber risk drives U.S. banks to diversify information sources, especially large, nationally chartered banks. This suggests cyber threats erode data confidence, forcing banks to seek verification. Specialized institutions are more vulnerable to data integrity disruptions.

“In this report we look at the steps taken by banks and insurers since 2021 to respond to the impacts of climate change, and we set out how our regulatory work has evolved in that period. We also look ahead to the planned release, later in 2025, of a consultation paper seeking views on an update to our supervisory statement (SS) 3/19.”

The SRB updated its operational continuity in resolution (OCIR) guidance. It clarifies expectations for banks on service identification, risk assessment, and mitigation measures like resilient contracts and robust IT systems. The revisions align with recent frameworks like DORA and EBA guidelines. Minor additions will be applied from the 2026 resolution planning cycle, pending further regulatory developments.

“We argue that cyber and other financial shocks cannot be treated as uncorrelated vulnerabilities and policy solutions for cyber vulnerability need to be calibrated for adverse financial conditions.”

The study finds that banks engaging in greenwashing practices contribute to increased systemic risk, especially larger and less efficient ones. The market values actual ESG performance more than disclosures, and strong environmental performance helps mitigate this risk.

The paper examines climate litigation's growing impact on banks, noting limited current effects but a projected increase. Key risks include reputational damage and influences on risk management and investment decisions. Banks are urged to address climate litigation risks proactively to enhance resilience, with future research suggested on mitigation strategies.

“The study demonstrates the capability of certain public sector banks to bear operational risk on a particular level of regulatory capital. The ability of a bank to be successful under unfavorable conditions is related to its operational risk, regulatory capital and management processes.”

Examining the Great Depression, we use novel methods and data to show that despite 9,000 #bank closures, #risk increased instead of leaving the system. Healthier #banks acquired risk through mergers, with each acquisition raising the acquiring bank's risk by 25%. #financialcrises don't rapidly eliminate risk; merger policies affect #systemicrisk.