The EU plans to revise the capital adequacy rules for banks in 2025. Regulatory amendments will be introduced in Norway … limited implications for the largest Norwegian banks (IRB banks), but they may contribute to more equal and comparable capital … through the EEA Agreement. Our results show that the regulatory amendments can significantly reduce the capital requirement …

The Ministry of Finance has proposed a temporary capital requirement (risk weight floor) for commercial real estate … (CRE) exposures in Norway, applicable to the largest banks. CRE is the sector where banks have historically incurred the … largest losses during crises. Since CRE loan losses are low in normal times, capital requirements for CRE loans should be …

This paper analyses how the introduction of the IRB approach may have affected banks' lending to enterprises, lending … margins and portfolio quality in Norway. Our results show that the IRB banks' lending margins decreased compared with the … standardised approach banks following the introduction of the IRB approach. Growth in lending to the corporate market was also …

income and assets. This has increased banks' resilience to increased losses and reduced the risk of crises. In this article … automation and the digitalisation of banks' operations have played a key role in improving cost efficiency. …

This paper analyses how the introduction of the IRB approach may have affected banks' lending to enterprises, lending … margins and portfolio quality in Norway. Our results show that the IRB banks' lending margins decreased compared with the … standardised approach banks following the introduction of the IRB approach. Growth in lending to the corporate market was also …

The Ministry of Finance has proposed a temporary capital requirement (risk weight floor) for commercial real estate … (CRE) exposures in Norway, applicable to the largest banks. CRE is the sector where banks have historically incurred the … largest losses during crises. Since CRE loan losses are low in normal times, capital requirements for CRE loans should be …

income and assets. This has increased banks' resilience to increased losses and reduced the risk of crises. In this article … automation and the digitalisation of banks' operations have played a key role in improving cost efficiency. …