Regulatory outlook for banks in 2025

The banking sector will be confronted with significant regulatory changes in 2025. The focus is on ESG reporting, the Digital Operational Resilience Act (DORA) and the extended requirements of Basel IV. However, these challenges not only present risks, but also opportunities for institutions that proactively prepare for them. Successful banks rely on the strategic implementation of regulatory requirements and thus create competitive advantages.

The decisive factors for successful implementation of regulatory requirements

Regulatory requirements set the framework, but only a strategic focus will make their implementation successful in the long term. The decisive factor is the development of a target image that both fulfills regulatory requirements and creates economic added value.

Regulatory compliant

From regulatory compliance to setting the strategic course: Deriving a target picture that both meets regulatory requirements and makes economic sense.

• Deriving a regulatory-compliant and economically sensible target image
• Reliable line of argument in terms of the target picture justification
• If necessary, coordination with supervisory authorities and banking associations

Integration capability

Horn & Company has extensive experience in the implementation of regulatory changes and a broad project history in order to take account of heterogeneous interests and starting situations.

• Knowledge of relevant model concepts and processes
• “Integration” into established bank formats and processes
• Consideration of strategic mission statements & frameworks

Target group oriented

Taking economic rationality into account enables the targeted implementation of regulatory requirements that meet both individual needs and the economic framework conditions.

• Consideration of heterogeneous needs (scenarios)
• Ready-to-implement concepts, checks and communication formats
• Modular system for qualification/training with multipliers

Looking ahead: what comes after 2025?

In addition to the current regulatory challenges, eIDAS 2.0 and the Financial Data Access (FiDA) regulations are already casting their shadows ahead. Banks that prepare strategically for these changes today can seize opportunities early on and turn regulatory requirements into a competitive advantage.

Successful banks do not see regulatory requirements as a burden, but as an opportunity to optimize and modernize. Those who adapt processes and technologies with foresight and pursue an agile compliance strategy will benefit in the long term.

How is your organization preparing for the challenges ahead? We look forward to the exchange!