BaFin assessment: These six main risks will pose significant challenges for banks in 2025
The current year brings with it a number of new challenges for banks. The German Federal Financial Supervisory Authority (BaFin) has identified six main risks that require special attention. As CURENTIS AG, we support you in managing risks in a targeted manner, exploiting opportunities and efficiently fulfilling regulatory requirements.
- Risks from corrections on the real estate markets
- Rising interest rates and changing market conditions can lead to falling real estate prices.
- Banks must continuously monitor their loan portfolios and make adjustments at an early stage.
- Stress tests help to identify potential risks from market corrections at an early stage.
- Risks from significant corrections on the international financial markets
- Volatile markets and geopolitical uncertainties can lead to abrupt market distortions.
- Robust diversification and the use of hedging strategies are essential.
- Banks should update risk models and regularly review their market positions.
- Risks from the default of corporate loans
- An economic downturn can lead to an increase in corporate insolvencies.
- The introduction of effective early warning systems is crucial in order to minimize payment defaults.
- Proactive credit monitoring and individual restructuring measures are required.
- Risks from cyber incidents with serious consequences
- The threat of cyber attacks is increasing, both from external actors and from internal vulnerabilities.
- Investments in IT security and regular audits are essential.
- Banks should develop comprehensive emergency plans and provide employees with intensive training.
- Risks from inadequate money laundering prevention
- Regulatory requirements are increasing and banks must adapt their processes accordingly.
- The use of AI-supported analysis tools can help to identify suspicious transactions at an early stage.
- Regular compliance training and close coordination with the authorities are necessary.
- Risks from concentrations in the outsourcing of IT services
- Dependence on a few large IT service providers can jeopardize the resilience of banks.
- Banks should diversify their IT strategy and strengthen their own control mechanisms.
- Contract management and regular risk analyses help to avoid bottlenecks.
Our recommendations:
- Proactive risk management: Banks must react to changing conditions at an early stage.
- Strengthen digitalization and IT security: Investments in secure and resilient IT structures are crucial.
- Meeting regulatory requirements: Compliance processes must be continuously optimized.
- Implement early warning systems for credit risks: Data-driven monitoring can minimize payment defaults.
- Ensure diversification of IT services: Spreading IT risks across several providers increases resilience.
- Intensify employee training: Knowledge and awareness are key building blocks for robust risk management.
We accompany you on this path! CURENTIS AG supports you in remaining successful in the long term through strategic planning, technological innovations and proactive risk management.
