CRR: Capital Requirements Regulation
Regulation (EU) No 575/2013, the CRR, sets the EU's capital and liquidity rules for banks. Own funds must reach at least 8% of risk-weighted exposures. Of that, 4.5% has to be Common Equity Tier 1. It also caps large exposures and requires disclosure. Every member state applies it directly, so no national transposition is needed.
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 is directly applicable in every member state and forms the EU's prudential rulebook for banks. Banks hold capital against credit risk and market risk, and against operational risk as well. Large exposures are capped. The regulation sets liquidity rules and requires public disclosure. The CRD pairs with it to carry the Basel framework into EU law.
Summary written by the Atlas from the official text; the law itself prevails.
Main articles
- Art. 92: Own funds floor: Common Equity Tier 1 at 4.5%, Tier 1 at 6%, total capital at 8% of risk-weighted exposures.
- Part Four: Limit on what a bank can lend to a single client or connected group.
- Part Six: Liquidity buffers a bank has to hold.
- Part Eight: Public disclosure of a bank's risk and capital position.
Licences it governs
- Bank · Germany
CRR)
BaFin
- Bank · Estonia
Credit institution authorisation (bank)
FI
- Bank · Spain
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
Bank licence (Vergunning bank / kredietinstelling)DNB
- IF · Germany
Investment firm licence
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
Specialized lending credit institution authorization
BdE
Regulators that apply it
- Germany
Federal Financial Supervisory Authority (BaFin)
BaFin is Germany's unified federal financial supervisor and sits under the Federal Ministry of Finance. It supervises credit institutions, f
- 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)
Lietuvos bankas, the Bank of Lithuania, is the central bank of the Republic of Lithuania and a member of the Eurosystem. It supervises credi
- Luxembourg
Commission de Surveillance du Secteur Financier (CSSF)
The CSSF is Luxembourg's unified public supervisory authority for the financial centre. It carries out prudential supervision and market con
- 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 a member of the Eurosystem. It has stood as the single integrated financial
- 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: CELEX 32013R0575 · retrieved 2026-09-24
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