EBA · 2015_2470 Final Q&A

Procedury monitorowania ochrony kredytowej / EN: Credit protection monitoring procedures

Regulation
Regulation (EU) No 575/2013 (CRR)
Article
208, para. 5
Topic
Credit risk
Submitted by
Individual
Submitted
2015-11-17
Answered
2016-06-03
Answer provided by
ESAs (EBA, ESMA, EIOPA)
Browse ECB SSM Register → More Q&As on this regulation →

Question

Czy aby w procesie szacowania wymogu kapitałowego możliwe było uwzględnienie instrumentu ograniczania ryzyka kredytowego w postaci zabezpieczenia na nieruchomości mieszkalnej konieczne jest zapewnienie przez Instytucję, iż na dzień wyliczenia posiada ona aktualne ubezpieczenie tejże nieruchomości zabezpieczające przez ryzykiem powstania szkody? Czy może w myśl zapisów artykułu 208 paragraf 5 (literalnie czytając) wystarczy, iż Instytucja udowodni, iż posiada procedury i skuteczne mechanizmy monitorowania aktualności/ważności posiadanej polisy ubezpieczeniowej? EN translation: In order for the calculation of capital requirement to take into account collateral of residential property as a credit risk mitigation instrument, is it necessary for the Institution to ensure that, as at the calculation date, it holds up-to-date insurance for such real estate, protecting it against the risk of damage? Or perhaps, in accordance with the provisions of Article 208(5) CRR  (read literally), it would suffice if the Institution could prove that it has procedures and effective monitoring mechanisms in place to ensure that the existing insurance policies are valid and up-to-date?

Background

Zdarzają się przypadki, iż na dzień wyliczenia wymogu kapitałowego część polis ubezpieczeniowych dla nieruchomości stanowiących zabezpieczenie ekspozycji kredytowej straciła swoją ważność, a proces ich odnawiania trwa co jest oczywiście monitorowane w ramach przyjętych procedur oraz wdrożonych mechanizmów kontrolnych. EN translation: There are cases where, as at the date of calculation of capital requirements, some insurance policies for the real estate that is held as collateral against credit exposure have become invalid and their renewal process is pending, which is obviously monitored as part of the adopted procedures and existing controls.

Answer

Zgodnie z art. 208 ust. 5 rozporządzenia (UE) nr 575/2013 instytucje ustanawiają procedury mające na celu monitorowanie, czy nieruchomości wykorzystane w charakterze ochrony kredytowej są odpowiednio ubezpieczone od ryzyka powstania szkody. Procedury takie skutecznie zapewniają istnienie opisanych polis ubezpieczeniowych oraz ich ważność i aktualność. EN translation: According to Article 208(5) of Regulation (EU) 575/2013 (CRR), Institutions shall have in place procedures to monitor that the immovable property taken as credit protection is adequately insured against the risk of damage. Such procedures shall effectively ensure that the described insurance policies exist, are valid and up-to-date.

Original source: European Banking Authority, Q&A ID 2015_2470

This Q&A is published by European Banking Authority and is non-binding. It does not constitute legal advice. Updated weekly from official ESA sources.

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