CRR/CRD Gap Analysis Processes & Systems

A CRR/CRD gap analysis for processes and systems involves the systematic comparison of your existing process landscape and IT infrastructure against current and upcoming regulatory requirements under CRR III and CRD VI. This covers both functional processes — for example in the areas of credit risk, market risk, operational risk, and reporting — as well as the underlying IT systems, data inventories, and interfaces. ADVISORI methodically identifies all gaps, assesses their criticality and implementation complexity, and derives prioritized recommendations for action. The result is a clear picture of the required actions and a realistic implementation roadmap tailored to the specific situation of your institution.

A CRR/CRD gap analysis is fundamentally relevant for all institutions subject to the Capital Requirements Regulation — including banks, savings banks, cooperative banks, investment firms, and other supervised financial institutions within the EU. The analysis is particularly urgent for institutions that need to prepare for the requirements of CRR III (Basel IV implementation), as these bring far-reaching changes to risk weighting, reporting obligations, and internal models. Institutions that have not yet conducted a structured inventory of their regulatory compliance position also benefit considerably from such an analysis. ADVISORI has extensive experience with institutions of varying size and complexity and always adapts the analytical framework to the individual institution's size and business model.

The duration of a CRR/CRD gap analysis depends significantly on the size and complexity of the institution and the scope of the processes and systems to be analyzed. For smaller and medium-sized institutions, a timeframe of six to twelve weeks is generally realistic, while large, internationally active institutions with complex IT landscapes should plan for several months. On the client side, subject matter experts from the areas of risk management, reporting, IT, and compliance are primarily required — available for interviews, workshops, and the provision of relevant documentation. ADVISORI places great emphasis on a resource-efficient approach and structures the process so that the burden on your team is reduced to the necessary minimum without compromising the depth of analysis.

ADVISORI has a dedicated regulatory intelligence team that continuously monitors and evaluates regulatory developments at the European and national level — including the final texts of CRR III and CRD VI as well as the accompanying technical standards (RTS/ITS) of the EBA. These current regulatory requirements are compiled into a structured requirements catalogue that serves as the reference framework for the gap analysis and is regularly updated. Not only immediately applicable requirements are taken into account, but also foreseeable future developments, enabling your institution to develop a future-proof implementation strategy. By using our own AI platform, regulatory texts can also be efficiently analyzed and compared against your existing processes and systems.

Upon completion of the gap analysis, ADVISORI provides you with comprehensive gap analysis documentation that describes in detail all identified gaps between your current state and the regulatory requirements, prioritized by criticality, implementation effort, and urgency. In addition, we deliver a concrete implementation roadmap with clearly defined measures, responsibilities, and milestones, which can serve as the basis for your internal project planning and communication with supervisory authorities. You also receive recommendations for optimizing your processes and IT architecture as well as — if desired — a cost estimate for the identified implementation measures. All results are presented in a final management presentation suitable for both executive management and technical teams.

Yes, ADVISORI sees itself as a comprehensive partner throughout the entire regulatory implementation cycle — from the initial gap analysis through concept development and implementation to validation and ongoing monitoring. Following the gap analysis, our experts can actively support the implementation of the identified measures in the areas of process optimization, IT architecture, data management, and reporting. You benefit from continuity within the project team, as the consultants who conducted the gap analysis bring their institution-specific knowledge into the implementation phase. In addition, ADVISORI offers PMO services to ensure the coordination of complex, cross-functional implementation projects and to guarantee the timely fulfillment of regulatory deadlines.