The BaFin Risk Report 2025 emphasises new security requirements and risks in the financial sector. BaFin President Mark Branson emphasises the need for stricter risk management, particularly in dealing with climate risks. Natural disasters such as fires and floods could make loans and insurance more expensive or even unaffordable. Another problem is inadequate data management, which makes it difficult to accurately assess climate risks. Consumers, especially homeowners in vulnerable regions, could bear the consequences.

In particular, the BaFin Risk Report 2025 emphasises the following key risks in the financial sector:

• corrections on the property markets: Price declines could jeopardise the stability of the financial system.
• significant corrections on the international financial markets: Fluctuations and uncertainties on global markets pose a significant risk.
• default on corporate loans: Economic weaknesses could lead to increased loan defaults.
• cyber incidents: Increasing cyber-attacks, particularly on critical infrastructure, could have a serious impact.
• inadequate money laundering prevention: deficiencies in prevention could jeopardise the integrity of the financial system
• concentration in the outsourcing of IT services: Dependencies on a small number of service providers increase the risk of disruption.

These risks require strict risk management and continuous adjustments in order to ensure the stability of the financial sector.

Tagueri AG supports its clients with professional and technical expertise, particularly in the prevention of the last two core risks.

Money laundering prevention (risk 5)

Risk assessment and management:

• Carrying out risk analyses to identify potential weaknesses in existing processes. Development of customised risk management strategies.

Training and awareness-raising:

• Training concepts for employees to raise awareness of money laundering and terrorist financing. Simulations and workshops to strengthen practical skills.

Technological solutions:

• Support in the implementation of anti-money laundering (AML) software that automatically recognises and reports suspicious transactions. Use of Artificial Intelligence and Machine Learning to improve monitoring and analysis capabilities.

Compliance consulting:

• Assisting with legal compliance and regulatory requirements. Conducting internal audits and reviews to assess the effectiveness of money laundering prevention measures.

Outsourcing of IT services (risk 6)

Risk assessment and management:

• Analysing dependencies and concentration risks in the outsourcing of IT services.
• Development of risk mitigation strategies, including diversification of service providers.

Contract management:

• Support in drafting and negotiating contracts with IT service providers to establish clear service level agreements (SLAs) and contingency plans.
• Regular review and adjustment of contracts to respond to changes in the market and service providers.

Technological solutions:

• Support the implementation of monitoring tools to continuously monitor the performance and security of outsourced IT services.
• Use of cloud management platforms to improve control over cloud services and minimise risks.

Contingency and recovery plans:

• Develop and implement business continuity and disaster recovery plans to be prepared for IT service provider disruptions.
• Concepts for conducting regular tests and exercises to ensure the effectiveness of these plans.

Our methods and products help to minimise these risks and ensure stability and security in the financial sector.

Talk to us. Our Tagueri consultants will be happy to talk to you without obligation.