Author name: Milon Gupta

Abstrakte Darstellung von Künstlicher Intelligenz im Bankensektor als Bestandteil regulierter Kreditinstitute
Banking & Financial System, Banking Regulation, Corporate Governance, ESG & Sustainable Finance, Risk Management, Strategic Management

Artificial Intelligence Between Efficiency Gains and ESG Risk – How Credit Institutions Can Steer the Use of AI Sustainably

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The use of Artificial Intelligence (AI) is becoming increasingly important in the banking sector, ranging from more efficient processes and improved decision support to enhanced analytical capabilities in bank management. At the same time, AI creates environmental, social, and governance-related risks whose effects often become visible only in the medium to long term. Publications by […]

Landschaft mit Dürre und Überflutung als kombinierte physische Klimarisiken
Banking & Financial System, Climate Risks, Risk Management

Compound Climate Risks – An Underestimated Risk Driver for Regional Credit Institutions

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When the water level of the Rhine remained exceptionally low for several weeks in the summer of 2022, shipping, industry and logistics came under significant pressure. Production outages, delivery delays and rising transport costs had a tangible impact on companies along value chains. These effects did not result from a single extreme event, but from

Regionale Klimaanpassung und urbane Resilienz in deutschen Städten
ESG & Sustainable Finance, Governance & Supervision, Resilience, Risk Management, Sustainable Transformation

Gaps in Local Climate Adaptation – Risk Driver for Regional Credit Institutions

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Local climate adaptation will have significant economic impacts in the coming years. The scale and pace of adaptation will play a key role in determining how strongly physical climate risks affect regions, economic structures, and asset values in the future. For regional credit institutions, this raises the question of how these developments may translate into

Digitale Governance- und Steuerungsstrukturen im Risikomanagement von Kreditinstituten
Banking Regulation, ESG & Sustainable Finance, Governance & Supervision, Risk Management

What the BRUBEG Means for ESG Risk Planning at Credit Institutions

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With the Banking Directives Implementation and Bureaucracy Reduction Act (Bankenrichtlinienumsetzungs- und Bürokratieentlastungsgesetz – BRUBEG), the German Bundestag on January 29, 2026 transposed key requirements of the Capital Requirements Directive VI (CRD VI) into German national law. Implementation is carried out primarily through amendments to the German Banking Act (Kreditwesengesetz, KWG). ESG risks were already required

Führungskräfte diskutieren strategische Entscheidungen in einem modernen Konferenzraum
Corporate Governance, Corporate Strategy, Risk Management

Growing Global Risks Increase Demands on Corporate Strategies

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The risk landscape in which companies operate today is changing at a rapid pace. The Global Risks Report 2026 by the World Economic Forum clearly shows that global risks are increasing, becoming more dynamic, and more closely interconnected. Depending on the time horizon, there are significant differences in the risks expected to materialize. While geopolitical,

Symbolbild für die wirtschaftlichen Rahmenbedingungen des Standorts Deutschland
Mittelstand, SMEs, Strategy, Sustainability, Sustainable Transformation, Transformation

Sustainable Transformation in Times of Uncertainty – How the German Mittelstand Secures Its Future Viability

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Many Mittelstand companies in Germany are currently under pressure from two sides. On the one hand, external developments require fundamental adjustments. High energy prices, supply chain disruptions, geopolitical tensions, regulatory requirements and a shortage of skilled labour are just a few examples. On the other hand, the dynamics and complexity of these combined changes increase

Symbolische Darstellung einer strategischen Ausrichtung auf Resilienz und Wettbewerbsfähigkeit im Jahr 2026
Resilience, SMEs, Sustainable Transformation

How Companies Can Strengthen Resilience and Competitiveness in an Uncertain Environment in 2026

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For German companies and the European economy as a whole, 2025 was a challenging year. The overall framework conditions were shaped by multiple pressures: a weak business climate, geopolitical tensions negatively affecting supply chains, and a regulatory environment in flux. This dynamic of change raises a central strategic question: how can companies remain competitive and

Compliance mit Bankenregulierung für ESG-Risikomanagement
Banking Regulation, ESG & Sustainable Finance, Sustainable Transformation

Managing ESG Risks in Line with Supervisory Expectations – Guidance for Regional Financial Institutions

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Since the term ESG (Environmental, Social, Governance) gained prominence in the early 2000s, ESG-related issues have become increasingly relevant for the European financial sector. The year 2026 marks another regulatory milestone: ESG risks are to be embedded even more systematically into banks’ overall governance and strategic orientation. With the European Banking Authority (EBA) Guidelines on

Abstrakte Bank- und Governance-Illustration für ESG-Risikoplan
Banking Regulation, ESG & Sustainable Finance, Risk Management

ESG Risk Plan 2026: What Savings Banks and Other Regional Financial Institutions Should Consider

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Starting in 2026, savings banks and other regional financial institutions will be required to submit an ESG risk plan for the first time. This requirement is a central component of the new expectations set out in the EBA Guidelines on the management of ESG risks, the Capital Requirements Directive VI (CRD VI), and the planned

Industrial Transformation in Germany
Mittelstand, Strategy, Sustainability, Transformation

Rethinking Industrial Transformation: Strategic Options for Companies

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Industrial transformation in Germany stands at a crossroads. Many long-successful sectors are now under growing pressure to develop new business models and achieve sustainable transformation. To keep Germany’s industrial base competitive, business and government must jointly develop strategic solutions that combine effective regulatory frameworks at federal and state level with dynamic regional ecosystems — in

Mittelstand - Made in Germany (cropped)
Mittelstand, Resilience, SMEs, Strategy, Sustainability, Transformation

Business Model Under Pressure – How Mittelstand Companies Can Emerge Stronger From Uncertain Times

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The current business climate index published by Creditreform shows a mixed picture: Although the sentiment index for German SMEs improved slightly in autumn 2025, the situation remains tense. Many owner-ed Mittelstand companies report declining earnings, stagnant demand, and growing equity weaknesses. According to Creditreform, 17.6% of businesses stated that they had reduced staff – and

Wettbewerbsdruck
Business Performance, Entrepreneurship, SMEs, Strategic Management, Strategy

The Three Biggest Challenges for SMEs in 2023-2024

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The German economy is in recession. And German SMEs are right in the middle of it. In addition to short-term economic causes for the slump, there are also longer-term structural reasons. SMEs are therefore facing growing challenges in the short and medium term that require consistent strategic action. The German Institute for SME Research (Institut

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