medium · FRM Part 2 Operational Risk

In a jurisdiction with a 2.5% CCyB, a bank's 'Specific Risk Add-on' (SRA) for its trading book is 100 million.

How does the CCyB typically interact with this SRA under Basel III?

  1. The CCyB applies to the RWA associated with the trading book credit exposures, effectively increasing the capital required for specific risk during a boom.
  2. The CCyB amount is subtracted directly from the SRA charge on the theory that both are meant to cover systemic risk, avoiding double-counting.
  3. Specific risk sits entirely outside the CCyB's reach, since Basel III designed the buffer to apply only to general market risk, not issuer-specific credit risk exposures.
  4. Once the Credit-to-GDP gap exceeds the 10% threshold, regulators automatically reclassify the entire SRA charge and fold it directly into the CCyB requirement.

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