(1) The available financial means shall be raised by contributions to be made by the CRR credit institutions that are members of the deposit guarantee scheme as provided for under this Act. The obligation of the CRR credit institutions to make contributions shall not prevent additional financing of a deposit guarantee scheme from other sources. (2) Contributions to deposit guarantee schemes shall be based on the amount of covered deposits of the CRR credit institutions that are members of the deposit guarantee scheme and the degree of risk incurred by the respective CRR credit institution. (3) A deposit guarantee scheme may, with the approval of BaFin, use its own risk-based methods to calculate the risk-based contributions. The calculation of the contributions concerned shall be proportional to the risk of the CRR credit institutions that are members of the deposit guarantee scheme and shall take due account of the risk profiles of the various business models. The own risk-based methods for calculating the contributions may also take into account the asset side of the balance sheet and risk indicators such as capital adequacy, asset quality and liquidity. (4) Lower contributions may be provided for in the case of CRR credit institutions that belong to low-risk sectors or for members of an institutional protection scheme that is not recognised as a deposit guarantee scheme. (5) The European Banking Authority shall be informed of the methods under subsection (3) above that have been approved by BaFin. Section 20 Use of available financial means (1) The available financial means of the deposit guarantee schemes shall be used for the following purposes: 1 to compensate depositors as provided for under this Act, 2 for loss absorption amounts in accordance with section 145 of the Recovery and Resolution Act (Sanierungs- and Abwicktungsgesetz) in the course of the resolution of CRR credit institutions. (2) Recognised institutional protection sch