Riskipainotuskäyrät
Riskipainotuskäyrät, known in English as risk-weighted curves or risk weighting curves, are graphical representations used in finance and risk management. They illustrate how different types of assets or exposures are assigned varying degrees of risk weighting by regulatory bodies. These weightings are crucial for determining the amount of regulatory capital a financial institution must hold against those assets.
The concept is that certain assets are inherently riskier than others. For example, a loan to a
These curves are fundamental to calculating a bank's or other financial institution's risk-weighted assets (RWA). RWA
The specific shape and values of these curves are determined by regulatory frameworks and can be influenced