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Die neuen MaRisk: Erfolgreiches Risikomanagement im Wandel

Das Risikomanagement ist ein wichtiger Bestandteil jedes erfolgreichen Unternehmens. Die MaRisk (Mindestanforderungen an das Risikomanagement) stellen dabei einen wichtigen Rahmen für die Umsetzung eines effektiven Risikomanagements dar. Doch die MaRisk sind nicht starr – sie unterliegen einem ständigen Wandel und müssen regelmäßig aktualisiert werden.

In unserem Seminar „Die neuen MaRisk: Erfolgreiches Risikomanagement im Wandel“ lernst du alles, was du über die neuesten Anforderungen und Entwicklungen in der Welt des Risikomanagements wissen musst. Wir vermitteln dir das notwendige Wissen, um die neuen MaRisk erfolgreich in deinem Unternehmen umzusetzen und deine Risikomanagement-Strategien an die sich ändernden Anforderungen anzupassen.

Profitiere von unserem Know-how und vernetze dich mit anderen Experten in der Branche. Melde dich jetzt für unser Seminar „Die neuen MaRisk: Erfolgreiches Risikomanagement im Wandel“ an und bleibe auf dem neuesten Stand im Risikomanagement!

Die neuen MaRisk 7.0

Die neuen MaRisk 7.0 – Was ändert sich?

Für Vorstände und Geschäftsführer bei Finanzunternehmen, sowie Führungskräfte und Spezialisten aus den Bereichen Treasury und Risikocontrolling

Online

805 €

Zzgl. gesetzl. MwSt.

  • MaRisk-Update: Was sich ändert und warum?

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Die neuen MaRisk 7.0 – immer up to date


Was ändert sich mit den neuen MaRisk 7.0?

Die neuen MaRisk-Anforderungen können für Banken eine Herausforderung darstellen. Um die Anforderungen zu erfüllen, müssen Banken ihre internen Prozesse und Systeme überarbeiten. Mit den MaRisk 7.0 sollen Regelungslücken und/oder Neuregelungen zu folgenden 5 Themen erfolgen:

  1. Vorgehen bei der Umsetzung der EBA-Leitlinien für die Kreditvergabe und -überwachung
  2. Direktinvestitionen in Immobilien
  3. Spezialfonds
  4. Geschäftsmodellanalyse
  5. Handel im Home-Office.

EBA-Leitlinien für die Kreditvergabe und -überwachung

Die Aufsicht plant eine zügigere Umsetzung durch eine stärkere Verwendung von Verweisen in den MaRisk auf die EBA-Leitlinien. Dieses Vorgehen soll bei der Umsetzung der EBA-Leitlinien für die Kreditvergabe und -überwachung Anwendung finden.

Nationale Öffnungsklauseln und Erleichterungen sind für kleinere und mittlere Institute bei der Umsetzung der EBA-Leitlinien für die Kreditvergabe und -überwachung geplant. Damit soll dem Grundsatz der Proportionalität Rechnung getragen werden.

Direktinvestitionen in Immobilien

Die Berücksichtigung von Direktinvestitionen in Immobilien soll aufgrund der deutlich gestiegenen Bedeutung von Immobilieneigengeschäften mit den MaRisk 7.0 erfolgen.

Die kreditprozessualen Anforderungen finden bei Immobilieneigengeschäften über Beteiligungen bereits Anwendung. Hier soll eine Klarstellung erfolgen, welche Regelungen der MaRisk (insbesondere BTO 1) für diese Immobilieneigengeschäfte über Beteiligungen gelten.

Neben diesen Beteiligungsmodellen nutzen Institute zunehmend auch Direktinvestitionen. Für die ökonomisch ähnlich zu bewertenden Direktinvestitionen finden die Regelungen der MaRisk bislang keine Anwendung.

Diese Regelungslücke soll über eine Berücksichtigung in einem neuen Abschnitt BTO 3 oder durch Ergänzungen des BTO 1 in den MaRisk 7.0 geschlossen werden.

Geschäftsmodellanalyse

Die Geschäftsmodellanalyse / die Nachhaltigkeit des Geschäftsmodells werden in den MaRisk bislang nicht explizit behandelt. Mit den MaRisk 7.0 sollen Klarstellungen mit dem Ziel vorgenommen werden, dass die Themen Gleichlauf von operativer Geschäftsplanung und Berichtswesen in den MaRisk verankert werden.

Die Geschäftsmodellanalyse hat auch in der Aufsichtsarbeit hohe Bedeutung und stellt einen wichtigen Bestandteil in der SREP-Methodik dar.

Spezialfonds: Same Counterpart – same risk.

Die Bankenaufsicht hat folgende Lücken identifiziert:

  • Begrenzte Risikosteuerungsmöglichkeit von Spezialfonds
  • Fehlendes Auslagerungscontrolling in Zusammenhang mit Spezialfonds

Derzeit besteht ein bankaufsichtlicher „blinder Fleck“ durch Ungleichbehandlung je nach Quelle des Geschäfts:

  • Kreditgeschäfte: marktunabhängiges Votum für Geschäfte oberhalb der Risikorelevanzgrenze erforderlich
  • Handelsgeschäfte – Direktanlagen: marktunabhängiges Votum für jedes Geschäft erforderlich
  • Handelsgeschäfte innerhalb von Spezialfonds: keine einzeladressenbezogenen kreditprozessualen Anforderungen, somit weder Risikoanalyse, noch marktunabhängiges Votum oder Kreditentscheidung derzeit erforderlich. Folglich besteht bei Spezialfonds die Gefahr der Aufsichtsarbitrage. Die derzeitige Handhabung wird als Umgehungstatbestand gewertet.

Mit den MaRisk 7.0 soll eine grundlegende Verschärfung des Votierungsprozesses bei Spezialfonds erfolgen. Vereinfachungen sind nur noch möglich, sofern

  • Anlagen in Spezialfonds in Summe unterhalb von 5 % der Bilanzsumme liegen oder
  • die Einzelanlagen im Spezialfonds ausreichend granular sind.
  • Die ausgelagerten Dienstleistungen müssen vollständig den MaRisk-Anforderungen AT 9 an Auslagerungen entsprechen.

Gut vorbereitet und fit für den geschäftlichen Erfolg – mit S+P Seminare MaRisk 7.0


S+P Lounge: der Schlüssel zum Erfolg

❇️ Sofortige Weiterbildung

Mit der S+P Lounge hast du sofort Zugang zu hochwertigen Lernmaterialien und kannst mit deiner Weiterbildung beginnen.

❇️  E-Learning als Warm Up für den Seminartag

Lerne effektiv mit S+P Lounge – das E-Learning Warm Up. Das im Seminarpreis includierte E-Learning ist eine großartige Möglichkeit, sich auf das gebuchte Seminar vorzubereiten.

❇️ Hochwertiges Lernmaterial

Du erhältst Zugang zu einer Vielzahl an hochwertigen Lernmaterialien, die dich bei deiner Weiterbildung unterstützen.

❇️ Einfacher Zugang

Du kannst dich einfach und schnell in die S+P Lounge einloggen und sofort mit dem Lernen beginnen.


Mit S+P Seminare und Online Schulungen bist du beruflich erfolgreicher!

S+P Seminare und Online Schulungen sind die perfekte Wahl, wenn du beruflich erfolgreicher sein willst. Mit unseren qualitativ hochwertigen Schulungen und Seminaren kannst du deine Fähigkeiten und Kenntnisse verbessern und dir neue Kompetenzen aneignen.

Wir bieten dir eine Vielzahl an verschiedenen Schulungen und Seminaren, die genau auf deine Bedürfnisse und Voraussetzungen zugeschnitten sind. So kannst du dich optimal weiterbilden und beruflich voranbringen.

S+P Seminare sind die perfekte Möglichkeit für dich, um dich beruflich weiterzuentwickeln und erfolgreicher zu sein. In unseren Online Schulungen kannst du dich auf das Wesentliche konzentrieren und von den Besten lernen.

Durch die Kurse kannst du deine Fähigkeiten verbessern und neue Kenntnisse erwerben, die dir helfen werden, in deinem Beruf erfolgreicher zu sein. Also worauf wartest du noch? Melde dich jetzt an und starte in eine erfolgreiche Zukunft!

S+P Seminare ist dein zuverlässiger Partner für berufliche Weiterbildung. Wir bieten dir eine Vielzahl an hochwertigen Seminaren und Kursen, die dich auf dem neuesten Stand der beruflichen Entwicklung halten.

S+P Seminare ist dein kompetenter Ansprechpartner für alle Fragen rund um die berufliche Weiterbildung. Wir unterstützen dich dabei, dich ständig weiterzuentwickeln und erfolgreich in deinem Berufsleben zu sein.

Lerne jetzt die neuesten Trends und Techniken mit den S+P Online Seminaren.