Question ID
2025_7305
Legal act
Regulation (EU) No 575/2013 (CRR)
Topic
Other issues
Article
125
Paragraph
1
COM Delegated or Implementing Acts/RTS/ITS/GLs/Recommendations
Not applicable
Article/Paragraph
n.a.
Type of submitter
Individual
Subject matter
Computation of the secured part of Non-IPRE according to Art.125(1)
Question

In the computation of the secured part of Non-IPRE exposures, should senior liens from banks within the same group be taken into account?

Background on the question

Article 125(1) specifies that, to determine the portion of the institution’s exposure eligible for the 20% risk weight, 55% of the property value must be reduced by the amount of more senior liens not held by the institution. However, the regulation does not specify the scope to be considered for the institution—whether at the group level or for individual banking entities.

Submission date
Rejected publishing date
Rationale for rejection

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Status
Rejected question