EBA · 2015_2501 Archive

‘Mortgages’ identification

Regulation
Directive 2013/36/EU (CRD)
Article
78, para. 2
Topic
Supervisory reporting - Supervisory Benchmarking
Submitted by
Credit institution
Submitted
2015-12-03
Answer provided by
ESAs (EBA, ESMA, EIOPA)
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Question

Are "commercial mortgages" and "other mortgages" excluded from HDPs perimeter?

Background

In defining the scope of the exercise for HDP, the EBA RTS refers to 18Residential mortgages 19. On the other hand, no reference to "Residential mortgages" is reported in Annex I, C103

Answer

Institutions have to report the portfolios ID specified in template C 103.00 of Annex I of Draft ITS on Supervisory Reporting for Institutions for benchmarking the internal approaches (ITS on benchmarking). Under the exposure class "Retail - Secured by real estate SME" commercial mortgages are included. DISCLAIMER: The present Q&A on Supervisory reporting is provisional. It will be reviewed after the Implementing Regulation is in force and published in the Official Journal, which may differ from the text of the draft ITS to which this Q&A relates.

Original source: European Banking Authority, Q&A ID 2015_2501

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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