To detect the build-up of risks at an earlier stage than the previous method, the revised method incorporates a broader set of key indicators. Now there are 18 key indicators divided into 6 categories.
The information basis also includes other quantitative and qualitative information as in the previous method, but now all information is assessed at the same time and not in sequential steps, thus putting more weight on other quantitative and qualitative information, such as the low interest rate environment. Assessing the right time to increase the buffer is not easy. Two possible mistakes can be made.