2025-10-30

Circular Letter No. CC/2025/00000027

Banco de Portugal issued Circular Letter No. CC/2025/00000027 to disseminate the European Banking Authority's guidelines on risk-weighted assets for residential real estate exposures under Article 126a of the Capital Requirements Regulation. These guidelines are applicable to credit institutions and financial companies starting from 4 November 2025. The document serves as the official national transposition and communication of the EBA/GL/2025/03 regulatory standards.

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Circular Letter No. CC/2025/00000027

Summary

Disseminates the Guidelines on risk-weighted assets (RWA) positions for real estate properties intended for housing under Article 126a of Regulation (EU) No 575/2013 (EBA/GL/2025/03), which apply from 4 November 2025.

Status

In force

Official Journal

10/2025 Supplement

Publication Date

30-10-2025

Issue Date

30-10-2025

Recipient Type

Credit Institutions, Financial Companies

Descriptors

Mortgage Credit, Credit Risks, Supervision, Own Funds, Real Estate

Recipients

Banks, Central Credit Cooperative Society, Mutual Agricultural Credit Societies, Savings Banks, Mortgage Credit Institutions, Credit Financial Institutions, Factoring Companies, Mutual Guarantee Companies, Investment Companies, Financial Leasing Companies, Credit Financial Companies


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