Liquidity Excellence

MaRisk Liquidity Risk Management under BTR 3

Liquidity risks are among the most critical risk categories for banks — MaRisk BTR 3 defines extensive requirements for identification, management and monitoring of these risks.

  • 01Integrated Liquidity Frameworks with comprehensive MaRisk Compliance
  • 02Intelligent Funding Governance for Portfolio Excellence and Risk Mitigation
  • 03Effective RegTech Integration for Automated Liquidity Control
  • 04Sustainable Funding Culture for Continuous Liquidity Risk Management Excellence
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11+Years of experience
120+Employees
540+Projects
ISO 27001certified

MaRisk BTR 3 Liquidity Risk: Requirements, Methods and Implementation

MaRisk BTR 3 requires comprehensive liquidity risk management: from daily liquidity management through intraday monitoring to stress testing and contingency funding planning. Modern liquidity frameworks integrate LCR/NSFR requirements of the CRR with MaRisk-specific requirements on risk appetite, limit systems and management reporting. ADVISORI combines proven liquidity methodology with innovative RegTech integration for sustainable BaFin audit readiness.

We develop and implement comprehensive MaRisk liquidity frameworks that meet regulatory requirements while enhancing funding performance, minimizing liquidity risks, and creating sustainable competitive advantages. From liquidity assessment to technical implementation.

6 service modules

What we take on for you

Bookable individually or as an end-to-end programme.

01

Integrated Liquidity Architecture Development

Design and implementation of comprehensive liquidity risk architecture integrating funding strategies with risk management frameworks.

  • Liquidity risk architecture design aligning funding strategies with risk appetite and business objectives
  • Funding strategy development optimizing funding sources and reducing concentrations
  • Liquidity buffer management ensuring adequate high-quality liquid assets
  • Contingency funding planning establishing backup funding sources and crisis procedures
02

Intelligent Liquidity Assessment and Evaluation

Development of forward-looking liquidity assessment capabilities providing insights into funding requirements and stress scenarios.

  • Cash flow forecasting providing accurate projections of liquidity needs
  • Stress testing and scenario analysis evaluating liquidity under adverse conditions
  • Early warning indicators identifying potential liquidity issues before they materialize
  • Liquidity risk quantification measuring and reporting liquidity risk exposures
03

Real-Time Liquidity Monitoring and Oversight

Implementation of real-time monitoring platforms enabling proactive liquidity management and rapid response to market changes.

  • Real-time liquidity dashboards providing continuous visibility into liquidity position
  • Automated alert systems notifying management of liquidity threshold breaches
  • Intraday liquidity monitoring tracking liquidity throughout the business day
  • Regulatory reporting automation ensuring timely and accurate liquidity reporting
04

Technology-Integrated Liquidity Risk Platforms

Implementation of technology-enabled liquidity platforms leveraging automation, AI, and advanced analytics for liquidity excellence.

  • Liquidity management systems integrating data from multiple sources
  • AI-supported liquidity forecasting improving accuracy of liquidity projections
  • Advanced analytics providing insights into liquidity trends and patterns
  • Integration with treasury systems ensuring smooth liquidity operations
05

Liquidity Governance and Culture Development

Development of liquidity governance structures and risk-aware cultures embedding liquidity considerations into organizational DNA.

  • Liquidity governance framework establishing roles, responsibilities, and oversight mechanisms
  • Liquidity risk appetite definition aligning liquidity tolerance with business strategy
  • Training and capability building ensuring liquidity competency across organization
  • Liquidity-aware culture development transforming organizational mindsets toward liquidity
06

Continuous Liquidity Optimization

Implementation of continuous improvement frameworks ensuring liquidity management evolves with market conditions and business needs.

  • Periodic liquidity reviews assessing effectiveness and identifying improvements
  • Regulatory monitoring tracking changes in liquidity requirements and best practices
  • Performance measurement and benchmarking demonstrating liquidity management value
  • Innovation integration incorporating emerging technologies and methodologies

5 phases

Our Integrated Liquidity Risk Management Methodology

We follow a comprehensive, phased approach to liquidity risk management that ensures sustainable transformation:

  1. Liquidity Risk Assessment

  2. Integrated Architecture Design

  3. Intelligent Assessment Implementation

  4. Real-Time Monitoring

  5. Continuous Optimization

Your contact

Melanie Düring

Head of Risk Management

+49 69 913 113-01 info@advisori.de
Effective MaRisk liquidity risk management is the strategic foundation for sustainable funding excellence and combines regulatory compliance with liquidity risk excellence, risk management innovation, and sustainable profitability. Modern liquidity risk management strategies not only ensure regulatory compliance but also enable optimized funding decisions and portfolio performance. Our integrated liquidity approaches transform traditional funding practices into strategic business enablers that ensure sustainable business success and funding excellence for banking institutions.

Why ADVISORI for Liquidity Risk Management

  • 01Deep expertise in MaRisk liquidity requirements combined with practical experience across diverse financial institutions
  • 02Proven methodologies that transform liquidity management from compliance burden to strategic advantage
  • 03Technology-enabled approaches leveraging real-time data, AI, and advanced analytics
  • 04Sustainable implementation strategies ensuring long-term liquidity excellence and value realization

Strategic Liquidity Management Value

Effective liquidity risk management is not just about regulatory compliance—it's about creating competitive advantage through optimized funding strategies, enhanced resilience, and the ability to seize market opportunities with confidence.

Certificates, partners and more

ISO 9001 CertifiedISO 27001 CertifiedISO 14001 CertifiedBeyondTrust PartnerBVMW Bundesverband MitgliedMitigant PartnerGoogle PartnerTop 100 InnovatorMicrosoft AzureAmazon Web Services

Your strategic success starts here

Our clients trust our expertise in digital transformation, compliance, and risk management

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