Semer,

I can not give a definite answer to your question, but I can give you an example with the collapse of the fourth on capital adequacy commercial bank in Bulgaria: was trusted to it ability to apply self-assessment methodology, approved by the Bulgarian National Bank. The result already stated it !!!!

Dear Samer,

My take is you would need so, because in measuring capital adequacy, you would need to be able to tie specific risk emanating from specific business lines.

Best wishes

When you are measuring regulatory capital for a financial institution this would be the case, otherwise you are free to use different categories the best match the business model.