Current Affairs · Banking Regulation & Prudential Norms
The Directions on Capital Charge for Credit Risk - Standardised Approach (2026) outline specific regulatory rules for risk-weighted assets. Regarding the standardised approach for determining risk weights for Real Estate Exposures, which of the following statements is/are correct? 1. For individual housing loans with a Loan-to-Value (LTV) ratio of 50% or less, the assigned risk weight is 20%. 2. For individual housing loans where the LTV ratio strictly exceeds 80% but does not exceed 90%, the prescribed risk weight is 40%. 3. Commercial Real Estate residential projects under construction (CRE-RH) are subject to a 150% risk weight, whereas other Commercial Real Estate projects (CRE-ADC) attract a 100% risk weight. Select the correct option:
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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1 and 2 only
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