Banking.Vision
The capital market infrastructure is in a phase of structural reorganization. What has long been categorized as a ‘crypto issue’ is increasingly developing into an institutional transformation: tokenized securities, digital trading venues, stablecoin-based settlement and the prospect of 24/7 settlement are changing the rules of the game.
Banking.Vision
In 2024, the EBA introduced the IRRBB heat map as a monitoring tool for interest rate risks in the investment book. On 26 January 2026, it analysed five medium to long-term focus topics in its second implementation report on the IRRBB heat map. Among other things, the report deals with the modelling of NMD (non-maturing deposits) and the implementation of CSRBB requirements. It also provides practical recommendations for supervisory authorities and institutions.
Banking.Vision
Verification of Payee (VoP), also known as IBAN name check, is a security mechanism that checks whether the name of the payee matches the IBAN entered. Since October 5, 2025, banks have been required to officially offer this payee verification service.
Banking.Vision
AI in trading optimizes speed. AI in treasury controls stability. Both worlds use similar technologies but pursue completely different goals. Anyone who thinks of treasury in the same way as trading underestimates the complexity of bank management. This is precisely where the actual AI transformation begins.
Banking.Vision
The Three Lines Model is a framework for governance and risk management. However, its implementation in practice often leads to role conflicts. Compliance and internal audit can resolve these typical conflicts and make the Three Lines Model effective.
Banking.Vision
Never before has the volume of data in compliance been so high – and never before has it been so difficult to manage risks in a timely, consistent and audit-proof manner. Data-based analyses and AI-supported processes promise relief. But not everything that is efficient is also compliant. How can AI tools be used in a compliant manner?
Banking.Vision
Our analysis of BaFin’s Digital Supervisory Briefing 2026 highlights the strategic shift toward greater proportionality and principle-based supervision (9th MaRisk amendment). The focus is on the increasing demands on the governance professionalism of management boards and the management of systemic risks through geopolitics, NPL increases, and DORA. At the same time, it highlights operational relief for SNCI institutions under the small banking regime and the LSI stress test. The article serves as a well-founded guide for institutions to understand regulatory leeway and ensure the expertise of their committees.
Banking.Vision
The Integrated Reporting Framework (IReF) is the European Central Bank’s (ECB) central project for harmonizing statistical regulatory reporting across Europe. Originally, the ECB intended to publish the detailed implementation plan at the end of 2025. However, the publication has now been postponed to mid‑2026. What are the reasons behind this?