Calculation of contributions; methods of assessing contributions

(1) The available financial means are raised through contributions from the CRR credit institutions belonging to the deposit guarantee scheme in accordance with this Act. The CRR credit institutions' obligation to make contributions does not preclude additional financing of a deposit guarantee scheme from other sources.
(2) Contributions to deposit guarantee schemes are based on the amount of the covered deposits of the CRR credit institutions belonging to the deposit guarantee scheme and the degree of risk to which the CRR credit institution concerned is exposed.
(3) A deposit guarantee scheme is entitled, with BaFin's consent, to use its own risk-based methods to assess risk-based contributions. The calculation of the respective contributions is made proportionately to the risk of the CRR credit institutions belonging to the deposit guarantee scheme and takes appropriate account of the risk profiles of the different business models. The own risk-based methods of contribution assessment may also take into account the asset side of the balance sheet and risk indicators such as capital adequacy and the quality of assets and liquidity.
(4) Lower contributions may be provided for CRR credit institutions that belong to low-risk sectors or that are members of an institutional protection scheme not recognised as a deposit guarantee scheme.
(5) The European Banking Authority is notified of the methods under subsection (3) to which BaFin has consented.