CRR: Capital Requirements Regulation
The CRR, Regulation (EU) No 575/2013, is the EU rulebook for how much capital and liquidity banks must hold. It requires own funds of at least 8% of risk-weighted exposures, including 4.5% Common Equity Tier 1, and sets large-exposure, liquidity and disclosure rules that apply directly in every member state.
At a glance
| Official title | Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/20121 |
|---|---|
| English title | Capital Requirements Regulation |
| Citation | Regulation (EU) No 575/2013 |
| Jurisdiction | European Union (applies in every EU/EEA state) |
| Type | regulation |
| Adopted | 2013-06-26 |
| In force from | 2013-06-28 |
| Status | In force, as amended (CRR II, CRR III) |
Full text
Official full text: Capital Requirements Regulation (PDF, en)1 · 3,461 KB · file checked 2026-09-24
Official page: eur-lex.europa.eu1
Summary
The CRR sets the directly applicable prudential requirements for banks in the EU: how much and what kind of capital they must hold against credit, market and operational risk, large-exposure limits, liquidity requirements and public disclosure. Together with the CRD it implements the Basel framework in EU law.
Summary written by the Atlas from the official text; the law itself prevails.
Main articles
- Art. 92: Own funds requirements: Common Equity Tier 1 of 4.5%, Tier 1 of 6% and total capital of 8% of risk-weighted exposures.
- Part Four: Large exposures.
- Part Six: Liquidity.
- Part Eight: Disclosure.
Licences it governs
- Bank · Germany
Credit institution licence (Erlaubnis zum Betreiben von Bankgeschäften nach § 32 KWG / CRR)
BaFin
- Bank · Estonia
Credit institution authorisation (bank)
FI
- Bank · Spain
Entidad de crédito (Banco) / Commercial bank licence
BdE
- Bank · Lithuania
Specialised bank licence
LB
- Bank · Lithuania
Bank licence
LB
- Bank · Luxembourg
Credit institution authorisation
CSSF
- Bank · Latvia
Credit institution licence (bank)
LB
- Bank · Malta
Credit institution licence
MFSA
- Bank · Netherlands
Bank licence (Vergunning bank / kredietinstelling)
DNB
- IF · Germany
Investment firm licence (Erlaubnis zur Erbringung von Wertpapierdienstleistungen nach § 15 WpIG)
BaFin
- IF · Estonia
Authorisation as an investment firm
FI
- IF · Lithuania
Financial brokerage firm licence
LB
- IF · Luxembourg
Investment firm authorisation
CSSF
- IF · Latvia
Investment firm licence
LB
- IF · Malta
Investment services licence (Category 1, 2, or 3)
MFSA
- Credit · Spain
Establecimiento financiero de crédito (EFC) / Specialized lending credit institution authorization
BdE
Regulators that apply it
- Germany
Federal Financial Supervisory Authority (BaFin)
BaFin operates as Germany's unified federal financial supervisor under the Federal Ministry of Finance, supervising credit institutions, fin
- Spain
Bank of Spain (BdE)
Banco de España is Spain's national central bank and banking supervisor, operating as an integral part of the European System of Central Ban
- Lithuania
Bank of Lithuania (LB)
The Bank of Lithuania operates as the central bank of the Republic of Lithuania and member of the Eurosystem, conducting integrated prudenti
- Luxembourg
Commission de Surveillance du Secteur Financier (CSSF)
The CSSF operates as the unified public supervisory authority for the Luxembourg financial centre, conducting prudential supervision and mar
- Netherlands
De Nederlandsche Bank (DNB)
De Nederlandsche Bank acts as the central bank of the Netherlands and integral member of the Eurosystem and ESCB, exercising prudential supe
- European Union
European Banking Authority (EBA)
The European Banking Authority is an independent EU agency that creates the European Single Rulebook for banking and payments, fosters super
- Estonia
Finantsinspektsioon (FI)
Finantsinspektsioon is Estonia's independent financial supervision and crisis resolution authority operating with autonomous responsibilitie
- Latvia
Latvijas Banka (LB)
Latvijas Banka is the central bank of the Republic of Latvia and member of the Eurosystem, operating as the single integrated financial supe
- Malta
Malta Financial Services Authority (MFSA)
The Malta Financial Services Authority is the single autonomous financial regulator in Malta, entrusted with prudential and conduct supervis
Sources
- eur-lex.europa.eu: TXT (32013R0575) · retrieved 2026-09-24
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