Housing loan risk weights affect banks’ capital adequacy

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Title: Housing loan risk weights affect banks’ capital adequacy
Author: Haajanen, Jyrki
Organization: Bank of Finland
Series: Bank of Finland. Bulletin
Series volume: 89
Series number: 2/2015
Year of publication: 2015
Publication date: 9.6.2015
Pages: 86-88
Subject (yso): pankit; vakavaraisuus; riskit; pääoma
Keywords: asuntolainojen riskipainot; asunnot; luotot; mittarit; pankkitoiminta; pääomavaatimus
Abstract: Risk weights help to establish each bank's minimum own funds relative to lending, ensuring the bank's ability to cover the related credit risk. The risk weight calculation method chosen by the bank may have a significant effect on capital requirements and ultimately on the price of credit. A harmonised calculation of housing loan risk weights would support fair competition between banks.
Link: http://www.bofbulletin.fi/
Rights: https://helda.helsinki.fi/bof/copyright

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