Regulatory requirements are subject to continuous change – due to new interpretations and increasing depth of detail, but also to targeted simplifications and proportionality approaches. For board members and executives, this means that regulations must be assessed, managed and effectively implemented on an ongoing basis – whether or not a specific audit is coming up.

Supervisory audits are no longer isolated events; they should be regarded as the consolidation of regulatory expectations in terms of governance, risk management and organizational processes. In particular, special inspections pursuant to MaRisk regularly lead to substantial findings, the effects of which can range from operational restrictions to increased regulatory attention or effects on capital resources.

zeb supports cooperative banks in a practical and forward-looking manner when it comes to evaluating and implementing regulatory requirements – both in day-to-day operations and in the context of specific audit events. Our focus is on creating a firm ground for decision-making within the executive board and the management team: regulatory compliance, operational viability, and sustainable integration into organizational processes and structure.