CRR3 has impact the Bank’s capital adequacy mainly due to the need to include in the calculation of risk-weighted assets contracts that have been offered by the Bank but have not yet been accepted by the client, changes in the scope of exposures secured by real estate and the introduction of the so-called new standardized approach (SMA) in the scope of operational risk.
Subsequent events

Impact of CRR3 on capital adequacy
From 1 January 2025 the Group applies Regulation (EU) 2024/1623 of the European Parliament and of the Council of 31 May 2024 amending Regulation (EU) No 575/2013 as regards requirements on credit risk, credit valuation adjustment risk, operational risk, market risk and a minimum capital threshold (hereinafter referred to as ‘CRR3’).

The table below presents the impact of the application of CRR3 on the Group’s capital adequacy:
The table below presents the impact of the application of CRR3 on the Bank’s capital adequacy: