Implementing the MaRisk amendment 2026 efficiently
Fincon Reply supports banks and financial services providers in comprehensively assessing MaRisk requirements, implementing them securely and aligning processes, governance and risk management efficiently. This enables institutions to meet regulatory requirements on a sustainable basis while making effective use of the current scope for simplification.
New requirements, new opportunities for small and mid-sized institutions
The 9th MaRisk amendment is in the final approval stage and is expected to become relevant for banks in the second half of 2026. With this amendment, the supervisory authority is once again placing greater emphasis on a principles-based and proportionate approach. For very small institutions with total assets of less than EUR 1 billion, small and non-complex institutions with total assets of between EUR 1 billion and EUR 5 billion, as well as other Less Significant Institutions under national supervision, this creates concrete opportunities for regulatory relief.
At the same time, this scope for simplification does not arise automatically. Institutions must be able to determine which processes, controls, reports and governance structures can be simplified without compromising regulatory compliance requirements. Smaller and mid-sized organisations in particular face the challenge of methodically translating this paradigm shift into their organisation and designing the implementation in such a way that supervisory robustness, traceability and operational efficiency work together effectively.
MaRisk becomes a lever for efficiency when institutions implement requirements in a risk-oriented and streamlined manner.
Our modular approach to your MaRisk implementation
Fincon Reply supports institutions with tailored modules aligned with the specific requirements arising from the new MaRisk. The approach combines regulatory expertise, process understanding and IT-related implementation capabilities. The aim is to create early clarity on the necessary adjustments while systematically leveraging the scope for simplification associated with the amendment.
Our modules focus on the areas in which institutions typically have the greatest leverage:
Your benefit from a structured MaRisk implementation
Our modules create a secure foundation for MaRisk projects that implement regulatory requirements appropriately while also realising savings and efficiency potential. Rather than addressing individual requirements in isolation, we consider processes, roles, reporting and risk management in context. This results in a cohesive implementation that is technically robust, organisationally compatible and demonstrably documentable.
For institutions, this means in particular:
Clarity
Relevant changes, opportunities for simplification and necessary actions are made transparent at an early stage.
Relief
Processes, checklists and control efforts are reduced where the risk profile allows.
Assurance
Compliance requirements remain traceable, consistent and suitable for supervisory review.
Governance
Roles, reporting and special functions are organised more efficiently and with a clear focus on risk.
ICAAP Focus
Risk inventory, materiality thresholds, risk-bearing capacity and stress tests are developed proportionately.
Implementation capability
Business, regulatory and IT perspectives are brought together in a structured approach.
Speak to Fincon Reply about how to align your MaRisk implementation securely, efficiently and sustainably.
Fincon Reply is a business and IT consultancy specializing in the financial services industry. Fincon Reply proactively advises banks, the Sparkassen Financial Group, the German Cooperative Financial Group and insurance companies as well as their suppliers on their digital transformation. The company provides on-site support with specialised teams of consultants and developers and delivers turnkey solutions.