Corporate financing through bank loans is set to undergo a major transformation following the introduction of CRR 3 (Capital Requirements Regulation) – often referred to in discussions as ‘Basel IV’ or ‘Basel III final’. It is already clear that stricter capital requirements will have an impact on the lending landscape.

From this year onwards, significant changes will apply to the calculation of risk-weighted assets (RWA). Furthermore, the introduction of the so-called ‘output floor’ – which sets a lower limit for internally calculated RWA compared with standardised approach RWA – will increase capital requirements for banks. The output floor of 50 per cent was introduced at the start of the year. This figure will rise by 5 per cent annually until 2029 and will ultimately stand at 72.5 per cent from 1 January 2030.

But what do these changes mean for businesses, and what impact might they have? What factors and measures can influence them? And what role do external ratings play in this?

At the VDT online event ‘Basel IV: What the Changes Mean for Treasury’, experts from Deutsche Bank will provide an overview of the changes resulting from the stricter capital requirements for banks and offer an outlook on what the world of corporate finance might look like in five years’ time. There will be plenty of time to ask questions during the online event. The session will be moderated by Ulrich Rapp, a member of the VDT’s Equity & Debt division.

You can find the presentation materials for this online event here in the library.

We would like to thank all those involved for helping to make the events a success, and the participants for their positive feedback.