Of course the individual banks’ capital requirements reductions depend not only on the type of approach used but also on the composition of the portfolio and its quality. Banks with a larger proportion of retail credit, including credits to Small & Medium sized Enterprises (SMEs) will experience a larger reduction of their capital requirements.
Also banks with collateralized exposures or with customers having a better, external or internal, rating, which, of course, reflects better quality, will have a larger reduction. The largest reduction will of course be for banks with good quality portfolios that use the most advanced approaches for the calculation of capital requirements.