SBV mull possibility of lowering the risk-weighting of loans to real estate and securities from 250% to 150% – In a Draft to revise Circular 13, the SBV proposed a change that would affect a bank’s capital adequacy ratio (CAR), the measure of protection against potential losses to the bank’s lenders and depositors. Under the old Circular 13/2010/TT-NHNN, the minimum regulatory CAR applicable for Vietnamese banks must be at least 9%.