Regulatorische Agenda 2025+ und deren Ausblick: Zwischen Komplexität und Notwendigkeit – Eine kritische Analyse des europäischen Bankensektors

Regulatory Agenda 2025 and Its Outlook: Between Complexity and Necessity - A Critical Analysis of the European Banking Sector

Detlef Hellenkamp

MPRA Paper from University Library of Munich, Germany

Abstract: The 2025+ regulatory agenda presents the European banking sector with a significant convergence of complex requirements, including the finalisation of Basel III (CRR III/CRD VI), the Digital Operational Resilience Act (DORA), the Markets in Crypto-Assets Regulation (MiCAR), the new Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) package with the establishment of the AMLA, and the ongoing implementation of ESG regulations (CSRD/ESRS, EU Taxonomy). The results of this work show that, despite the undeniable need to strengthen the resilience and integrity of the sector, the aggregated regulatory complexity, the considerable implementation costs and potential normative inconsistencies constitute substantial challenges for the competitiveness and innovative capacity of institutions. In particular, interactions in the context of digital transformation, ensuring regulatory proportionality and handling large volumes of data in compliance with data protection regulations require precise calibration in the sense of differentiated and coherent (‘smarter’) regulation. The supervisory priorities of the European Central Bank (ECB) and the European Banking Authority (EBA) reflect these challenges and require far-reaching. The outlook points to a persistently high regulatory dynamic that will be increasingly characterised by the need to systematically manage the complex interactions between financial stability-related objectives, technological innovation capability and sustainability-oriented requirements.

Keywords: AI-Act; AML/CFT-Paket (AMLA); Aufsichtspriorität; Basel III (CRR III/CRD VI); CSRD; Digitalisierung; Digital Operational Resilience Act (DORA); Digitale Transformation; ESG-Regulierung; ESRS; Markets in Crypto-Assets Regulation (MiCAR); Proportionalität; RegTech; Smart-Regulation; SupTech (search for similar items in EconPapers)
JEL-codes: G21 G28 K23 (search for similar items in EconPapers)
Date: 2025-04-26
References: Add references at CitEc
Citations:

Downloads: (external link)
https://mpra.ub.uni-muenchen.de/125915/1/MPRA_paper_125915.pdf original version (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:pra:mprapa:125915

Access Statistics for this paper

More papers in MPRA Paper from University Library of Munich, Germany Ludwigstraße 33, D-80539 Munich, Germany. Contact information at EDIRC.
Bibliographic data for series maintained by Joachim Winter ().