The question of risk weighting of assets, particularly mortgages, is a topic that Bank of Queensland's acting CEO, Jon Sutton, was keen to explore at the bank's annual profit announcement yesterday.He noted that, while discussions with APRA are confidential, BOQ's submission to the Murray Inquiry shows the bank is pushing for a more transparent regime.Sutton suggested it would be fairer to let the banks which have adopted what he styled "bespoke black boxes" also be calibrated on a standardised basis, but give them a more favourable risk weighting as an incentive for the more sophisticated risk modelling they are able to run.He also suggested that, at a very sophisticated level, it would be possible to apply advanced risk weighting according to the postcodes of mortgages.BOQ is not moving towards advanced bank status at the moment, in contrast to another regional peer, Bendigo and Adelaide Bank, which has already been moving down that path for the last two years. "When the digitisation process gets underway in earnest from April next year, that would be our first step on that path," Sutton told a briefing for analysts and media."It's pretty hard to sit down with the regulator and prove validation without taking that first step."His colleague, Anthony Rose, chief financial officer at BOQ, commented that the bank has been holding back from putting more work into accreditation until after the Murray Inquiry had completed its work. This was done in the hope that one of its recommendations might be to outline a shorter path for the less complex regional banks to achieve advanced accreditation.When it came to mortgages Sutton conceded that the bank had been ignoring the broker channel - which is now writing at least 43 per cent of all home loans in Australia - and was taking steps to redress the damage that caused. "You ignore the broker channel at your peril," Sutton said.He also drew attention to the number of mortgage aggregation businesses now owned or controlled by the major banks.Nevertheless BOQ has been rebuilding bridges to the broker community, starting with AFG in Western Australia, to open up the bank's broker presence in that state and to try and test its systems. "To be fair, all the broker groups have supported us, although we're not on all panels."