Savings banks – bank management & treasury

The banking world is facing a variety of challenges

The rollout of the new OSPlus bank management system is in full swing, the concepts and new application components have largely been made available and are gradually being put into operation in the savings banks.

The interest rate turnaround has led to new strategic issues, such as the change in the strategic treasury position in view of the volatility on the capital markets and the implications for the BFA 3 accounting statement .

And banks still need to cope with the shortage of own funds, a consequence of the strong growth in the lending business in recent years and alternative investments such as real estate. This raises the need to optimize and manage risk-weighted assets and to optimally leverage the scarce resource of own funds in consideration of the upcoming RWA changes and shifts with the new CRR III.

Finally, the 7th MaRisk amendment was published last summer, requiring the savings banks to focus particularly on transposing the EBA guidelines on loan origination and monitoring into German law, integrating ESG requirements from strategy to risk management, and real estate business .