On 10 December 2025, the European Banking Authority (EBA) published a Final Report on draft Regulatory Technical Standards (RTS) amending Delegated Regulation (EU) 2023/206 supplementing the Capital Requirements Regulation with regard to RTS specifying the types of factors to be considered for the assessment of the appropriateness of risk weights for exposures secured by immovable property and the conditions to be taken into account for the assessment of the appropriateness of minimum loss given default values for exposures secured by immovable property.

Following an assessment of the changes that the Capital Requirements Regulation 3 (CRR 3) makes to the treatment of exposures secured by immovable property under the Standardised Approach to credit risk, the only amendment identified to Delegated Regulation (EU) 2023/206 consists of updating the relevant legal references to align with the new banking framework. The original RTS also delivered on the sister mandate under the Internal Ratings-Based Approach (IRB) on the appropriateness of the minimum loss given default values for retail exposures secured by immovable property. For the sake of simplification and regulatory consistency, the EBA is proposing to align the RTS legal references to the IRB with the CRR 3.

The draft RTS will be submitted to the European Commission for endorsement before being published in the Official Journal of the EU.