Article
Proportionality, streamlining and simplification – what does the 9th amendment to MaRisk mean for banks?
NEWS 02/2026
We outline the key changes introduced by the 9th amendment to MaRisk, explain what they mean for banks, and highlight the areas that institutions should now prioritise.
3
14 minutes reading time
- Editorial streamlining, deletions and a greater focus on principles
- Simplifications to risk-bearing capacity
- Outsourcing management
- Risk analysis
- Internal Audit
- Proportionality
- Stress tests
- Liquidity risks
- Materiality threshold
- ESG risks
- Distinction between MaRisk and Information and Communication Technology (ICT)/DORA
- Outsourcing management
- Credit processes
- Conclusion
- Source
On 1 April 2026, the consultation draft of the 9th amendment to MaRisk was published. In it, BaFin focuses in particular on the following three points:
- streamlining the detailed requirements,
- a clearer distinction regarding proportionality, and
- a stronger integration of ESG and ICT/DORA.
We outline the key changes, explain what they mean for banks and highlight the areas that institutions should now prioritise.
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