Updated 26/11/2025
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ANNEX III - Implementing Regulation 2025/2312

ANNEX III

Volatility adjustment to the relevant risk-free interest rate term structure

Currency

National insurance market

Volatility adjustment (in bps)

Euro

Austria

17

Euro

Belgium

17

Euro

Croatia

17

Euro

Cyprus

17

Euro

Estonia

17

Euro

Finland

17

Euro

France

17

Euro

Germany

17

Euro

Greece

17

Euro

Ireland

17

Euro

Italy

17

Euro

Latvia

17

Euro

Lithuania

17

Euro

Luxembourg

17

Euro

Malta

17

Euro

Netherlands

17

Euro

Portugal

17

Euro

Slovakia

17

Euro

Slovenia

17

Euro

Spain

17

Czech koruna

Czechia

14

Danish krone

Denmark

21

Forint

Hungary

8

Krona

Sweden

–1

Lev

Bulgaria

3

Pound sterling

United Kingdom

37

Romanian leu

Romania

4

Zloty

Poland

8

Króna

Iceland

42

Norwegian krone

Norway

34

Swiss franc

Liechtenstein

–4

Swiss franc

Switzerland

–4

Australian dollar

Australia

22

Canadian dollar

Canada

14

Renminbi-yuan

China

0

Hong Kong dollar

Hong Kong

4

US dollar

United States

40

Yen

Japan

11


ELI: http://data.europa.eu/eli/reg_impl/2025/2312/oj

ISSN 1977-0677 (electronic edition)