Customer Magazin NEWS 01/2026

"Nothing happens without risk, but without risk nothing happens either." Walter Scheel (1919-2016, former German Foreign Minister and Federal President) Dear readers, risk is a tricky thing. Instinctively, we would prefer to banish risk from our decisions altogether – knowing full well that every decision we make and every opportunity we seize comes with risks. The key, therefore, is how we deal with risk. Reliable, expert information is the best basis for a balanced assessment of risks. It enables risks to be identified, assessed and managed at an early stage. We aim to contribute to this with the articles in our customer magazine NEWS. In this issue, we inform you about the opportunities that artificial intelligence offers in treasury. We analyse how operational and regulatory resilience and digital competitiveness can be achieved in financial services, inform you about the current state of development of the digital euro and how AI projects can be successful in the long term. Other articles discuss the new PSD III and FiDA guidelines and much more. All these topics involve risks. But at the same time, they also offer interesting opportunities that are worth seizing for the banking industry – provided that a sound risk analysis based on well-founded information is carried out. I hope you enjoy reading this issue. Stay courageous – and risk-aware. Even in "risky" times, we are the trustworthy and reliable partner at your side. Dr Frank Schlottmann Chairman of the Executive Board