12 CFR 3.162
§ 3.162 Mechanics of risk-weighted asset calculation.
United States · 12 CFR — Banks and Banking · Status: effective
Cite this
- Citation
- 12 CFR 3.162, § 3.162 Mechanics of risk-weighted asset calculation, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/42772
- Permanent ID
ys:prov:42772@1- SHA-256
599aac97cc0de4a625cc9d0e4277f7cb1b3d47ffe2070005aa1e99928bcb6ac9
The hash is SHA-256 of this version's text, with every run of whitespace collapsed to a single space and the ends trimmed. The ID always leads back here, and checking it says whether the text you cited is still the current version.
Full text
(a) If a national bank or Federal savings association does not qualify to use or does not have qualifying operational risk mitigants, the national bank's or Federal savings association's dollar risk-based capital requirement for operational risk is its operational risk exposure minus eligible operational risk offsets (if any).
(b) If a national bank or Federal savings association qualifies to use operational risk mitigants and has qualifying operational risk mitigants, the national bank's or Federal savings association's dollar risk-based capital requirement for operational risk is the greater of:
(1) The national bank's or Federal savings association's operational risk exposure adjusted for qualifying operational risk mitigants minus eligible operational risk offsets (if any); or
(2) 0.8 multiplied by the difference between:
(i) The national bank's or Federal savings association's operational risk exposure; and
(ii) Eligible operational risk offsets (if any).
(c) The national bank's or Federal savings association's risk-weighted asset amount for operational risk equals the national bank's or Federal savings association's dollar risk-based capital requirement for operational risk determined under sections 162(a) or (b) multiplied by 12.5.
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.