Appropriate risk weight for speculative immovable property financing

The 'where appropriate' wording in Article 128 (1) CRR is intended to reflect the fact that Article 128 (2) CRR is non-exhaustive and other exposure types associated with particularly high risks, but not explicitly listed in Article128 (2) CRR, should also receive a 150% risk weight. As a consequence, the 'where appropriate' in Article 128 (1) CRR cannot be understood as a qualitative criterion to allow the exposures listed in Article 128 (2) CRR to be assigned a lower risk weight than 150%.   Disclaimer:  This question goes beyond matters of consistent and effective application of the regulatory framework. A Directorate General of the Commission (Directorate General for Financial Stability, Financial services and Capital Markets Union) has prepared the answer, albeit that only the Court of Justice of the European Union can provide definitive interpretations of EU legislation. This is an unofficial opinion of that Directorate General, which the European Banking Authority publishes on its behalf. The answers are not binding on the European Commission as an institution. You should be aware that the European Commission could adopt a position different from the one expressed in such Q&As, for instance in infringement proceedings or after a detailed examination of a specific case or on the basis of any new legal or factual elements that may have been brought to its attention.