🇩🇪Germany
BaFin-Aufsichtsmaßnahmen bei Kreditausfällen
2 verified sources
Definition
Defaults include BaFin/Bundesbank interventions, moratoriums, or high losses, preventing insolvency via guarantees but causing restructuring costs.
Key Findings
- Financial Impact: € high losses (≥25% liable capital); restructuring via mergers
- Frequency: Triggered by annual audits
- Root Cause: Procedural delays in default detection, lack of modern PD models
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Savings Institutions.
Affected Stakeholders
Supervisory Boards, CEO, Deposit Guarantee Schemes
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.
Related Business Risks
Erhöhte Risikovorsorge durch Kreditausfälle
€ millions in additional risk provisions; 3.3% rise in administrative spending (2022 vs 2021)
Verzögerte Mahnwesen-Prozesse und Ausfallverluste
Losses ≥25% of liable capital per default event; triple-digit defaults (1995-2002 data)
Unterdeckte Kreditausfälle durch Risikounterschätzung
Additional loan loss provisions (rising, unspecified € amounts)
Schwere Pflichtverletzung bei Ruhigen Vermögen
Several billion euros (€ mehrere Milliarden) in unreported dormant accounts; €2 billion in inactive accounts
Ineffiziente Kontaktaufnahme zu Kontoinhabern
Billions euros (€ Milliarden) locked in dormant accounts due to manual delays; 10+ years inactivity threshold
Verbotene Abwicklung ruhiger Konten
Risk of reversal on billions euros (€ Milliarden) in potentially reclaimable dormant accounts
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