EBA · 2017_3428 Archive

Revolving exposures

Regulation
Directive 2013/36/EU (CRD)
Article
78, para. 2
Topic
Supervisory reporting - Supervisory Benchmarking
Submitted by
Credit institution
Submitted
2017-07-31
Answer provided by
ESAs (EBA, ESMA, EIOPA)
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Question

Could you confirm that ‘Retail - qualifying revolving’ exposures should not be reported in the template C 103.00?

Background

The value ‘(b.3) Retail – Qualifying revolving’ is quoted as one of the different ‘Exposure class’ possible values in the Annex II regarding template C 103.00. However this value does not appear in the ‘exposure class’ column of the template C 103.00 in Annex I for any portfolio. Thus it seems logical not to report the ‘Retail - qualifying revolving’ exposures.

Answer

Annex I to the Draft ITS on Benchmarking for the 2018 exercise (applicable for the reference date end-2017 data) (Draft ITS on Supervisory Benchmarking) defines the portfolios that the institutions are effectively required to report as of a specific reference date. Against the background that Annex I to the Draft ITS on Supervisory Benchmarking, as applicable for the 2018 benchmarking exercise (end 2017-data), does not include any portfolio dedicated specifically to qualifying revolving exposures as defined in Article 154 (4) of Regulation (EU) No 575/2013 and in the absence of aggregate portfolios comprising all retail exposures, qualifying revolving exposures are out of scope of the benchmarking exercise 2018.   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. The text of the Implementing Regulation may differ from the text of the draft ITS to which this Q&A refers.

Original source: European Banking Authority, Q&A ID 2017_3428

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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