Finland – 15% risk weight floor for mortgage loans

This measure expired 01 January 2021

This measure involves a credit institution-specific average floor of 15% for risk weights applied by banks (using the internal ratings-based approach) to residential mortgage loans secured by housing units in Finland. The measure applies at the portfolio level.

Recommendation ESRB/2018/1

Reciprocating countries

Last updated on 7 November 2019

The following map shows the Member States reciprocating the measure. The map also shows the Member States that chose not to reciprocate the measure in the light of currently non-material exposures. The remaining countries did not notify the ESRB of their intentions.

The following table details each Member State’s reciprocating measure.

Reciprocating countryInstitution-specific threshold[1]
Belgium€1 billion
Croatia€1 billion
Denmark€1 billion
Norway€1 billion
Sweden€1 billion

[1] De minimis exemption

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