EBA · 2025_7635 Rejected question

EBA publication of loss rates for Swiss residential and commercial property under CRR Articles 125 and 126.

Name: EBA publication of loss rates for Swiss residential and commercial property under CRR Articles 125 and 126.: EBA Q&A — EU Financial Regulatory Q&A
Creator: European Banking Authority
License: https://creativecommons.org/licenses/by/4.0/

Regulation: Regulation (EU) No 575/2013 (CRR)
Article: 125, para. 2
Topic: Credit risk
Submitted by: Credit institution
Submitted: 2025-11-26

Browse ECB SSM Register → More Q&As on this regulation →

Question

Will the EBA publish loss rate data for Swiss residential and commercial property markets to enable institutions to apply preferential risk weights under Articles 125 and 126 CRR? If yes, what is the expected timeline?

Background

Articles 125(2) and 126(2) CRR permit the EBA to publish loss rates for third countries where local competent authorities do not provide such data, provided statistically representative information is available. Switzerland is recognized as having an equivalent supervisory regime under Article 107(4) CRR, but no official loss rates for exposures secured by residential and commercial property exist. Without EBA data, institutions cannot apply preferential risk weights for Swiss exposures, creating regulatory inconsistency and competitive disadvantages for EU and EEA institutions with cross-border operations.

No answer published yet.

Original source: European Banking Authority, Q&A ID 2025_7635

This Q&A is published by European Banking Authority and is non-binding. It does not constitute legal advice. Updated weekly from official ESA sources.

Similar Q&As

Obligation to carry out analysis and to consult with EBA on planned increase of risk weights before RTS on this matter are finally adopted and published in the Official Journal of the European Union

Answered 2017-02-17

Application of national decisions pursuant to Article 124(2) CRR

Answered 2021-09-17

Immovable property risk weights under the standardised approach (commercial)

Answered 2013-10-31

Immovable property risk weights under the standardised approach (residential)

Answered 2013-10-31

Risk weighting under standardised approach of an exposure secured by mortgage on residential property being constructed by the borrower (self-build) during the period of construction

Answered 2017-02-03

More Q&As on this topic

Application of the currency mismatch treatment to self-employed individuals (natural persons carrying out an economic activity) under Article 123a CRR.

Answered 2026-07-31

Requirements for the purpose of treating exposures secured by mortgages on immovable property as duly secured from an RWA computation perspective under CRR Article 124(2) of the CRR.

Answered 2026-05-08

Use of credit assessments by ECAIs not in scope of Regulation (EC) No 1060/2009.

Answered 2026-03-13

US Hard test: adequacy of considering US charge-off rates corresponding to loss rates for exposures secured by residential property or commercial immovable property situated within the territory of the US

Answered 2026-02-27

Application of the SME definition in specific cases

Answered 2025-11-28

📋 Track EU financial regulation continuously

Forseti monitors EU financial regulation and delivers personalised alerts anchored to verified official sources.

Start free trial → Learn more

14-day free trial. No credit card required.