BaFin - Navigation & Service

Go to:

Stand:updated on 02.12.2024 | Topic Own funds Other systemically important institutions (O-SII)

BaFin sets capital buffers for other systemically important institutions

The Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – BaFin), in consultation with the Deutsche Bundesbank and pursuant to section 10g (2) of the German Banking Act (Kreditwesengesetz – KWG) has identified 14 institutions authorised in Germany as other systemically important institutions, or O-SIIs. On that basis, BaFin has set an appropriate capital buffer.

Identifying an O-SII takes into account the following factors: size, economic importance for the European Economic Area and Germany, cross-border activity and interconnectedness with the financial system. This approach is consistent with the guidelines of the European Banking Authority (EBA) on the criteria to determine the conditions of application of Article 131(3) of Directive 2013/36/EU (CRD) in relation to the assessment of other systemically important institutions (EBA/GL/2014/10).

In the future, the capital buffer for O-SIIs could be set up to 3.0% of the total risk exposure amount and is to be held in Common Equity Tier 1 (CET 1) capital generally at the highest relevant level of consolidation in the evaluating Member State. Subject to the European Commission authorisation, the O-SII capital buffer could be higher than 3.0% of the total risk exposure amount. The table below shows the O-SIIs identified in Germany and their individual capital buffers.

Other systemically important institutionsStufe I: EBA scoring methodology
overall score in terms of basis points 		Step II: Supervisory assessment
overall score in terms of basis points 		Capital buffer from
01.01.2025
Deutsche Bank AG1,8231,7982.00%
Commerzbank AG5966351.25%
J. P Morgan SE6125941.25%
Goldman Sachs Bank Europe SE4354901.00%
DZ BANK AG Deutsche Zentral-Genossenschaftsbank4524541.00%
Kreditanstalt für Wiederaufbau 5404390.75%
UniCredit Bank AG3563650.75%
Landesbank Baden-Württemberg3603340.75%
Bayerische Landesbank2372450.50%
Landesbank Hessen-Thüringen Girozentrale1891940.25%
Morgan Stanley Europe Holding SE2041840.25%
ING-DiBa AG1651680.25%
NRW.BANK11321100.25%
DekaBank Deutsche Girozentrale280800.25%
  1. 1Pending administrative procedure.
  2. 2 Classification due to qualitative expert judgement as part of Step II of the Supervisory assessment (national method).

Additional information

More on this topic

Did you find this article helpful?

We appreciate your feedback

Your feedback helps us to continuously improve the website and to keep it up to date. If you have any questions and would like us to contact you, please use our contact form. Please send any disclosures about actual or suspected violations of supervisory provisions to our contact point for whistleblowers.

We appreciate your feedback

* Mandatory field

Publications on this topic

Format FAQ Erscheinung: from 30.03.2022 Stand: , updated on 13.03.2025 BaFin's FAQ on the Sys­temic Risk Buffer

Questions raised by institutions and associations on the determination and application of the capital buffer for systemic risks arising from residential real estate financing

Format Order/decree Erscheinung: from 30.03.2022 Gen­er­al Ad­min­is­tra­tive Act or­der­ing a cap­i­tal buffer for sys­temic risks un­der sec­tion 10e of the KWG

Pursuant to section 10e (1) of the KWG, a capital buffer for systemic risks in the amount of two percent is ordered for residential real estate financing.

Format Order/decree Erscheinung: from 16.02.2022 Gen­er­al Ad­min­is­tra­tive Act gov­ern­ing the rate for the do­mes­tic coun­ter­cycli­cal cap­i­tal buffer un­der sec­tion 10d of the KWG

Pursuant to section 10d of the KWG the rate for the domestic countercyclical capital buffer is set at 0.75 per cent of the total risk exposure amount determined in accordance with Article 92(3) of Regulation (EU) No. 575/2013, effective 1 February 2022.

Format News Erscheinung: from 12.01.2022 Pack­age of macro­pru­den­tial mea­sures: BaFin plans to in­crease the coun­ter­cycli­cal cap­i­tal buffer and set a sys­temic risk buffer for the res­i­den­tial prop­er­ty sec­tor

The Federal Financial Supervisory Authority (BaFin) intends to set a countercyclical capital buffer of 0.75 percent of risk-weighted assets on domestic exposures and to introduce a sectoral systemic risk buffer of 2.0 percent of risk-weighted assets on loans secured by residential property. The rates are currently set at zero percent. This decision takes into account analyses carried out by the …

Format Attachment Erscheinung: from 01.12.2021 Stand: , updated on 01.12.2023 Main fea­tures of the O-SII iden­ti­fi­ca­tion

Main features of the method for the identification of other systemically important institutions (O-SIIs)

All documents