Stats › Valorisation › Systemic risk buffers
Denmark now charges a 7 per cent systemic risk buffer on property company lending, the highest rate in Europe
| Pays | Rate | Exposures covered | In force |
|---|---|---|---|
| Denmark | 7 per cent | loans to non-financial corporations in real estate, the zero to 30 per cent loan to value band exempt | 30 June 2026 |
| Austria | 2 per cent then 3.5 per cent | commercial property, sector codes F41, F43 and M68, previous rate 1 per cent | 1 July 2026, then 1 July 2027 |
| Portugal | 4 per cent | retail exposures secured on residential property under internal models, four institutions | 1 October 2024 |
| Malta | 1.5 per cent | retail residential and commercial mortgage exposures | 30 June 2026 |
| Italy | 1 per cent | domestic credit and counterparty credit risk exposures | fully applicable since 30 June 2025 |
| Finland | 1.0 per cent | general, and reciprocates Norway at 4.5 per cent and Denmark at 7 per cent | 1 July 2026 |
| Romania | 0 to 2 per cent, institution specific | all exposures | 1 July to 31 December 2026 |
Read in the Article 133 notification documents published by the European Systemic Risk Board. The Portuguese measure is notification ESRB/2023/11.
Sectoral systemic risk buffers have become the instrument of choice against commercial property exposures. Denmark set 7 per cent on lending to real estate companies, Austria 3.5 per cent in two phases, and Portugal 4 per cent on four named institutions.
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