Bußgelder bei Untererfüllung der Eigenmittelanforderungen
Definition
German savings banks face regulatory minimum total capital ratio of 8% under Basel I/CRR. Falling below triggers supervisory interventions and fines by BaFin. Manual adjustments lead to errors in risk-weighted assets or capital reporting.
Key Findings
- Financial Impact: €5.000–50.000 pro Verstoß (BaFin-Bußgelder); 1–2% Kapitalpufferverlust durch Fehlkalkulationen
- Frequency: Jährlich bei Betriebsprüfungen oder monatlicher Überwachung
- Root Cause: Manuelle Anpassung von Risikogewichteten Aktiva (RWA) und Eigenmitteln
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Savings Institutions.
Affected Stakeholders
CFO Sparkasse, Risikomanagement, Interne Revision
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
Überhöhte Personalkosten für Kapitalquoten-Management
Kapazitätsverlust durch ineffiziente Kapitalanpassung
Schwere Pflichtverletzung bei Ruhigen Vermögen
Ineffiziente Kontaktaufnahme zu Kontoinhabern
Verbotene Abwicklung ruhiger Konten
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