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  • Past Due Loans

    • CA-3.2.21

      The unsecured portion of any loan (other than a qualifying residential mortgage loan) that is past due for more than 90 days, net of specific provisions (including partial write-offs), must be risk-weighted as follows:

      (a)150% risk weight when specific provisions are less than 20% of the outstanding amount of the loan; and
      (b)100% risk weight when specific provisions are greater than 20% of the outstanding amount of the loan.
      Amended: April 2011
      Apr 08

    • CA-3.2.22

      For the purposes of defining the secured portion of a past due loan, eligible collateral and guarantees will be the same as for credit risk mitigation purposes.

      Apr 08

    • CA-3.2.23

      Past due retail loans are to be excluded from the overall regulatory retail portfolio when assessing the granularity criterion, for risk-weighting purposes.

      Apr 08

    • CA-3.2.24

      In the case of qualifying residential mortgage loans, when such loans are past due for more than 90 days, they must be risk weighted at 100% net of specific provisions.

      Apr 08