---
kind: "section"
citation: "12 C.F.R. § 3.162"
title: "12"
number: "3.162"
heading: "Mechanics of risk-weighted asset calculation."
url: "https://uscodex.org/cfr/12/3.162"
---

# §3.162. Mechanics of risk-weighted asset calculation.

- (a) If a national bank or Federal savings association does not qualify to use or does not have qualifying operational risk mitigants, the national bank's or Federal savings association's dollar risk-based capital requirement for operational risk is its operational risk exposure minus eligible operational risk offsets (if any).
- (b) If a national bank or Federal savings association qualifies to use operational risk mitigants and has qualifying operational risk mitigants, the national bank's or Federal savings association's dollar risk-based capital requirement for operational risk is the greater of:
  - (1) The national bank's or Federal savings association's operational risk exposure adjusted for qualifying operational risk mitigants minus eligible operational risk offsets (if any); or
  - (2) 0.8 multiplied by the difference between:
    - (i) The national bank's or Federal savings association's operational risk exposure; and
    - (ii) **Eligible operational risk offsets (if any).**
- (c) The national bank's or Federal savings association's risk-weighted asset amount for operational risk equals the national bank's or Federal savings association's dollar risk-based capital requirement for operational risk determined under sections [162(a)](/cfr/12/162.md?p=a) or [(b)](/cfr/12/162.md?p=b) multiplied by 12.5.

## Notes

### Source

Source: 78 FR 62157, 62273, Oct. 11, 2013, unless otherwise noted.

### Authority

Authority: 12 U.S.C. 93a, 161, 1462, 1462a, 1463, 1464, 1818, 1828(n), 1828 note, 1831n note, 1835, 3907, 3909, 5371, 5371 note, 5412(b)(2)(B), and Pub. L. 116-136, 134 Stat. 281.

### Source

Source: 50 FR 10216, Mar. 14, 1985, unless otherwise noted.