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They help to determine the amount of capital that the banks need to set aside to cover losses on their lending to different sectors. History provides some insight into the importance of these various factors. As a result of these risk factors, risk weights vary for different types of lending, with housing having a lower risk weighting than business or rural lending, which typically involve more risk.

The risk weights are not set in order to incentivise any particular lending type over another. Insurance planning: Insurance protects you and your loved ones from the financial risk of unexpected events, and also provides financial security from anticipated costs such as long term care. Whether you need special insurance for your business or profession, or the standard insurances of liability, property, life, health and disability, insurance can protect your financial well being when circumstances require stability.

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