What are the asset categories for banks for credit exposure under irb?
Answers
IRB is the Internal ratings-based approach also known as (credit risk).
Following are the asset categories for the banks in case of credit exposure:
Central Banks and Central Governments (Sovereigns)
Institutions
Corporates
Corporates ( Specialised lending )
Corporates (Specialised lending – Secured by real estate property )
Corporates (Specialised lending – Not secured by real estate property )
Corporates – SME
Corporates – SME – Secured by real estate property
Corporates – SME – Not secured by real estate property
Corporates – Others
Corporates – Others – Secured by real estate property
Corporates – Others – Not secured by real estate property
Retail
Retail – Secured by real estate property
Retail – Secured by real estate property – SME
Retail – Secured by real estate property – Non-SME
Retail – Qualifying revolving
Retail – Other retail
Retail – Other retail – SME
Retail – Other retail – Non-SME
Equity
Securitisation
Other non-credit obligation assets
IRB is the Internal ratings-based approach also known as (credit risk).
Following are the asset categories for the banks in case of credit exposure:
Central Banks and Central Governments (Sovereigns)
Institutions
Corporates
Corporates ( Specialised lending
)
Corporates (Specialised lending – Secured by real estate property
)
Corporates (Specialised lending – Not secured by real estate property
)
Corporates – SME
Corporates – SME – Secured by real estate property
Corporates – SME – Not secured by real estate property
Corporates – Others
Corporates – Others – Secured by real estate property
Corporates – Others – Not secured by real estate property
Retail
Retail – Secured by real estate property
Retail – Secured by real estate property – SME
Retail – Secured by real estate property – Non-SME
Retail – Qualifying revolving
Retail – Other retail
Retail – Other retail – SME
Retail – Other retail – Non-SME
Equity
Securitisation
Other non-credit obligation assets