View source for CRD IV

''Bank supervision - EU''.

CRD IV was the EU Capital Requirements Directive (CRD), 2013/36/EU, implementing Basel III in the European Union (EU).

It comprised prudential rules for financial institutions covering:
*Requirements on quality and quantity of capital;
*Rules for counterparty risk;
*A base for liquidity and leverage requirements; and
*Macroprudential standards.


CRD IV was updated by CRD V.


<span style="color:#4B0082">'''''Loans raw material cost rises'''''</span>

:"Under CRD IV, the amount of capital that banks must hold against credit risk is now 2-2.5 x higher than it was pre-crisis.

:Given this increase in the raw material cost of manufacturing loans, lending has naturally become a more expensive process."

:''The Treasurer magazine, April 2017, p24 - Nick Burge, MD, head of strategic liquidity at Lloyds Bank.''


== See also ==
* [[Additional Tier 1]]  (AT1)
* [[Bank supervision]]
* [[Basel II]]
* [[Basel III]]
* [[Capital]]
* [[Capital adequacy]]
* [[Capital Requirements Directive]]
* [[Capital Requirements Regulation]]
* [[Common Equity Tier 1]]  (CET1)
* [[Counterparty risk]]
* [[CRD V]]
* [[CRD VI]]
* [[Credit risk]]
* [[Directive]]
* [[Fully loaded CRD IV]]
* [[Global Financial Crisis]]
* [[Leverage]]
* [[Liquidity]]
* [[Macroprudential]]
* [[Prudential Regulation Authority]]
* [[Tier 2]]  (T2) - Tier 2 capital

[[Category:Compliance_and_audit]]