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ROPA vs. ROPOA: Is There a Difference?

ROPA vs. ROPOA: Is There a Difference?

The Banker’s Lingo. You will see two terms used interchangeably in auction catalogs: It’s All “Acquired Assets” Functionally, for you (the buyer), they are the same. They refer to assets the bank took back as payment for loans. Both carry the 150% Risk Weight under Basel III, which is why banks are motivated to sell […]

The Banker’s Lingo.

You will see two terms used interchangeably in auction catalogs:

  • ROPA: Real and Other Properties Acquired.
  • ROPOA: Real and Other Properties Owned or Acquired.

It’s All “Acquired Assets”

Functionally, for you (the buyer), they are the same. They refer to assets the bank took back as payment for loans. Both carry the 150% Risk Weight under Basel III, which is why banks are motivated to sell them to you. Don’t get hung up on the extra “O”. Just focus on the price.