The Accord identifies more efficient methods for determining the amount of capital required to cover the different forms of risk. Credit risk being equal, the amount of capital banks will be required to have should decrease by virtue of its more efficient allocation.
10 / 20  BIS central bankers' speeches  Looking now to another asset class, our analysis indicates that on the aggregate, residential property prices are broadly in line with the fundamentals, using various different methods to assess whether there are overvaluations in the market (see Figure 11). The situation is different in the case of commercial real estate.