Qualifying Revolving Retail

IRB-QRRE designates qualifying revolving retail exposures under the Basel III/IV IRB framework. These are short-term consumer credit facilities such as credit-card balances or unsecured personal lines that meet BCBS criteria for low-default risk and therefore receive preferential risk-weight treatment. The classification is used by banks to assign capital requirements to retail revolving loans that are deemed to have strong credit quality and stable repayment behavior.