BAIT (Banking Supervisory Requirements for IT)
BaFin's regulatory framework specifying IT requirements for German banks. BAIT translates MaRisk into concrete IT security standards covering information security management, user access management, IT projects, application development, IT operations, and outsourcing.
BAIT (Bankaufsichtliche Anforderungen an die IT) is BaFin's supervisory framework that specifies how German banks must manage their IT infrastructure and security. First published in 2017 and updated in 2021, BAIT translates the broader MaRisk (Minimum Requirements for Risk Management) into actionable IT requirements.
BAIT covers nine core areas: IT strategy, IT governance, information security management, user access management, IT projects and application development, IT operations (including data management), outsourcing and other third-party services, IT business continuity management, and critical infrastructure. Each area contains specific requirements for documentation, processes, and controls.
With the implementation of DORA, BAIT requirements are being aligned with the new EU-wide framework. However, BAIT remains relevant as it contains Germany-specific requirements that may exceed DORA's baseline. Financial institutions must comply with both frameworks simultaneously, making an integrated compliance approach essential.
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View framework pageRelated Terms
BaFin (Federal Financial Supervisory Authority)
Germany's integrated financial regulatory authority responsible for supervising banks, insurance companies, and securities trading. BaFin is the primary competent authority for DORA compliance in Germany, receiving incident reports and conducting supervisory reviews.
DORA (Digital Operational Resilience Act)
An EU regulation that establishes uniform requirements for the security of network and information systems in the financial sector. DORA became mandatory on January 17, 2025, and applies to banks, insurance companies, investment firms, and their critical ICT service providers.
ISMS (Information Security Management System)
A systematic approach to managing sensitive company information to keep it secure, consisting of policies, procedures, and technical controls. An ISMS is the core requirement of ISO 27001 and provides the organizational framework for information security governance.
ICT Risk Management
The process of identifying, assessing, and mitigating risks associated with information and communication technology systems. Under DORA, financial entities must maintain a comprehensive ICT risk management framework covering identification, protection, detection, response, and recovery.
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