바젤 IV와 소규모 은행의 모기지 포트폴리오에 미치는 영향은?

Completely agree. The standardized approach for credit risk, especially for unrated exposures, is going to be a huge factor for smaller banks without internal models. It could really squeeze their margins on mortgage lending.

It's always the smaller fish that get caught in the bigger net, isn't it? Seems like Basel IV is just another reminder that if you're not too big to fail, you're just big enough to be burdened with more compliance.