News

The term „fit and proper“ is not new. However, the way it is interpreted by the supervisory authorities (BaFin/ECB) has recently undergone a radical transformation. Today, the auditor no longer focuses solely on the ‘proper’ (reliability), but delves deeply into the ‘fit’ (professional competence).

In EBA/GL/2026/03, the EBA has, in accordance with Article 123(1) of CRR III, established the diversification method as a prerequisite for the use of a preferential risk weight of 75% for retail exposures under the Credit Risk Standardised Approach (CRSA).

Read the latest issue of our customer magazine, NEWS 01/2026, to find out what matters to the banking sector today and tomorrow: from practical tips for sustainable AI projects, to updates on the 2026 LSI stress test and the current status of the digital euro, to artificial intelligence in treasury and much more.

NEWS 01/2026 Real-time payments, 24/7 availability of payment infrastructures, shorter settlement cycles such as T+1, volatile markets and new digital asset classes are forcing treasury functions to take on a new role. Treasury is evolving from a function that operates on a periodic basis into a permanent management body.

NEWS 01/2026 The development of the digital euro has reached a critical juncture. After years of analysis, conceptual development, and technical preparation, the Eurosystem is entering a new phase with the ECB’s pilot program for the digital euro.

NEWS 01/2026 The better and more reliably banking processes are automated, the more critical and important the role of human beings becomes. Particularly when complex decisions are involved or things go wrong, swift and decisive action is required. This applies above all to managers on the front line. This requires specific skills.

Technical classification, regulatory requirements and timing implications from the pilot survey NEWS 01/2026 The 2026 LSI stress test will be conducted again this year for German credit institutions in accordance with the regular two-year cycle. The aim of the survey is to analyse the earnings situation and capital development of Less Significant Institutions (LSI) under baseline and stress conditions over a multi-year horizon.

NEWS 01/2026 FiDA will be a major milestone on the path towards a digital, customer-centric open finance ecosystem. But open finance is much more than that – it is an overarching, long-term trend that is already well established in the market.