Customer Magazine NEWS 03/2025

On the stock market, 2 times 2 is never 4, but 5 minus 1. You just have to have the nerve to endure the minus 1. André Kostolany (1906 – 1999) Dear readers Having to endure the ‘minus 1’ (not only on the stock market) – this feeling has probably accompanied many of you throughout 2025. After all, the year that is coming to an end was once again challenging and often exhausting – from a geopolitical as well as an economic and social perspective. But especially in times of uncertainty and crisis, it is important to remain confident and keep your eyes on the prize. At msg for banking, we have the ‘nerves to endure the minus 1’. And we have the courage and confidence to believe in the future and invest in it. This motivates us to continually find solutions to current and future challenges and to discuss them with you. In our end-of-year NEWS articles, you can read about how to use good data management as a springboard into the AI future and how to increase your earnings potential with new pricing strategies. We also provide information about DORA in practice, the implementation of CSRD in Germany, modern leadership in banking and much more. I hope you enjoy reading it. Have a wonderful Advent and a peaceful Christmas, and a happy New Year in 2026. Let's tackle the future together. With strong nerves, confidence, courage and innovative solutions. Dr Frank Schlottmann Chairman of the Executive Board