Article 1 › 1

‘1. Institutions shall apply the Standardised Approach for all of the following exposures: (a) exposures assigned to the exposure class referred to in Article 147(2), point (e); (b) exposures assigned to exposure classes or belonging to types of exposures within an exposure class, for which institutions have not received the prior permission of the competent authorities to use the IRB Approach for the calculation of the risk-weighted exposure amounts and expected loss amounts. An institution that is permitted to use the IRB Approach for the calculation of risk-weighted exposure amounts and expected loss amounts for a given exposure class may, subject to the competent authority’s prior permission, apply the Standardised Approach for some types of exposures within that exposure class, including exposures of foreign branches and different product groups, where those types of exposures are immaterial in terms of size and perceived risk profile.’

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Source: EUR-Lex CELLAR · retrieved 2026-09-04