🇩🇪Germany

Bottlenecks bei BaFin Genehmigungen

2 verified sources

Definition

BaFin procedures, even with proposed simplifications, create capacity drains through detailed documentary demands and lengthy reviews.

Key Findings

  • Financial Impact: 20-40 hours/month per team on manual submissions
  • Frequency: Multiple per year
  • Root Cause: Detail-oriented, paper-based processes pre-electronic reforms

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Insurance Carriers.

Affected Stakeholders

Legal Team, Regulatory Affairs

Deep Analysis (Premium)

Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Verzögerte Tarifzulassung durch BaFin

6-12 months delay per filing; estimated 2-5% revenue loss from missed sales

Hohe Compliance-Kosten durch DORA und CSRD

€500,000+ annually per mid-sized carrier for compliance setup and audits

Betrugskosten durch unzureichende Erkennung

1-3% der Auszahlungen (€100.000+ jährlich pro Mittelstand-Versicherer)

Fehlentscheidungen bei Rückstellungsanpassung

Doppel-Impact: Own Funds sinken + SCR-Anstieg; materiales Downgrade-Risiko

Prämieneinnahmen-Unterschätzung durch Auditfehler

20% zusätzliche Prämien pro Audit (Bottom-Line-Verlust ohne Audit)

Kapazitätsverluste durch manuelle Schadensbearbeitung

20-40 Stunden/Monat pro Bearbeitungsteam (bei €50/Stunde = €1.000-2.000/Monat pro Team)

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