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Large and small cooperative banks alike are under considerable pressure to change. Mergers are often seen as a strategic response to these challenges, also in the segment of banks with total assets of less than EUR 1 billion.
Regulatory realignment: how is BTO 3 changing banks’ proprietary real estate business? How can regulatory resilience provide a competitive advantage?
This article outlines the risks arising from the new legal framework – and the steps institutions must now take to align transparency requirements, profitability and regulatory expectations.
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