9th MaRisk amendment
More freedom, but more responsibiliy.
With the 9th MaRisk amendment, banking regulation is heading for a fundamental paradigm shift.
For the first time, significant simplifications, particularly for regional banks, have been announced – at the same time, however, their implementation must now be individually justified.
The MaRisk amendment should not be viewed in isolation, but in the context of a large number of other regulatory initiatives, including BRUBEG, the revision of the Consumer Credit Directive, DORA, ESG regulations and other European guidelines.
Key requirements of the new MaRisk:
- Principles-based implementation
- Risk management setup in line with business model and risk
- Fewer explicit references to EBA guidelines – more individual responsibility
- Stricter requirements regarding justification and proof of appropriateness
- Interplay with other regulations
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