Kapazitätsverlust durch ineffiziente Kapitalanpassung
Definition
Banks hold buffers above 8% minimum (mean total-capital ratio 11.23–16.72%), tying up capital that could generate returns, due to slow partial adjustment processes.
Key Findings
- Financial Impact: 1–3% ROE-Reduktion durch überhöhte Buffers (11–16% vs. 8% Minimum)
- Frequency: Kontinuierlich; monatliche Schwankungen
- Root Cause: Partial Adjustment zu Target-Ratios statt sofortiger Optimierung
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Savings Institutions.
Affected Stakeholders
CEO, Asset Manager, Kapitalplaner
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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
Bußgelder bei Untererfüllung der Eigenmittelanforderungen
Überhöhte Personalkosten für Kapitalquoten-Management
Schwere Pflichtverletzung bei Ruhigen Vermögen
Ineffiziente Kontaktaufnahme zu Kontoinhabern
Verbotene Abwicklung ruhiger Konten
Kundenabwanderung durch langsame KYC-Verifikation
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