CRR3 · Output Floor · Phase-In 2025–2030 · Basel III Endgame

CRR3 Output Floor Phase-In Capital Impact Calculator

Model the CRR3 output floor phase-in impact on EU bank capital. Floor ramps from 50% (2025) to 72.5% (2030). Enter internal model RWA and standardised RWA to see year-by-year additional capital requirements, pro-forma CET1 ratios, and funding cost drag across the phase-in schedule.

CRR3 2024/1623 Output Floor 72.5% Phase-In 2025–2030 Zero PII

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Panel 01Capital Base & RWA

Total Risk Exposure Amount under internal models (IRB, IMA)

Total Risk Exposure Amount under SA (output floor comparator)

Panel 02Portfolio Breakdown (% of TREA)
Panel 03Cost of Capital & Business Model
Output Floor Phase-In Analysis
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Year-by-Year Phase-In Table (2025–2030)
YearFloor %Internal TREA €BSA TREA €BFloored TREA €BAddl TREA €BAddl CET1 €BPF CET1 %Annual Drag €MBinding?
Key Findings
AP2 Policy Mandate · CC BY 4.0 · Post Oak Labs

Regulatory Citations

[1]Regulation (EU) 2024/1623 (CRR3) — Output floor phase-in schedule in Article 465: 50% (2025), 55% (2026), 60% (2027), 65% (2028), 70% (2029), 72.5% (2030 onwards). The floor applies to total risk exposure amount (TREA), not individual risk weights.
[2]Directive (EU) 2024/1619 (CRD6) — Companion directive to CRR3. Together implement the Basel III endgame reforms in the EU. Effective from January 1 2025 (implementation date).
[3]Basel Committee BCBS d457 — Finalising post-crisis reforms (Basel III) December 2017. The 72.5% output floor is the cornerstone of the Basel III endgame, limiting the capital benefit of internal model use relative to standardised approaches.
[4]EBA Report on impact of CRR3 on EU banking sector (2024) — EBA estimates average CET1 ratio impact of approximately 1.1 percentage points at full phase-in for EU significant institutions, with highest impact on IRB-heavy banks.