Verzögerte Mahnwesen-Prozesse und Ausfallverluste
Definition
Savings banks experience supervisory interventions or high losses (25% of liable capital) defined as defaults, driven by poor PD models incorporating credit risk and macro factors.
Key Findings
- Financial Impact: Losses ≥25% of liable capital per default event; triple-digit defaults (1995-2002 data)
- Frequency: Multiple per year across institutions
- Root Cause: Inaccurate PD estimation from capitalization, return, credit risk; audit-driven defaults
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Savings Institutions.
Affected Stakeholders
Loan Officers, Auditors, Compliance Officers
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
BaFin-Aufsichtsmaßnahmen bei Kreditausfällen
Unterdeckte Kreditausfälle durch Risikounterschätzung
Schwere Pflichtverletzung bei Ruhigen Vermögen
Ineffiziente Kontaktaufnahme zu Kontoinhabern
Verbotene Abwicklung ruhiger Konten
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