EBA · 2023_6955 Rejected question

on demand and short notice vs. other term loans

Regulation
Regulation (EU) No 575/2013 (CRR)
Article
Annex V, para. 85
Topic
Supervisory reporting - FINREP (incl. FB&NPE)
Submitted by
Credit institution
Submitted
2023-12-21
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Question

Should matured loans with contractually fixed maturities, loans that matures at reporting date or at the next business day after the reporting date and canceled loans be reported as "on demand and short notice" product or as "other term loans" product as they were reported prior the maturity/cancelation? Should contractual (original) maturity or residual maturity be taken into account when determining "on demand and short notice" product? Can the type of product change during the lifetime of the loan?

Background

1. The bank has a loan with a 5-year contractual maturity and was reported as "other term loans" product. The loan is due on 30.09.2023. Does the bank have to report the loan as "on demand and short notice" product in the report for 30.09.2023? 2. The bank has a loan with a 5-year contractual maturity. The loan is due on 01.10.2023. Does the bank have to report the loan as "on demand and short notice" product in the report for 30.09.2023? 3. The bank has a loan with a 5-year contractual maturity. The loan is due on 15.08.2023. Does the bank have to report the loan as "on demand and short notice" product in the report for 30.09.2023? 4. The bank has a loan with a 5-year contractual maturity. The loan was canceled on 15.08.2023 due to breach of contractual provisions by customer. Does the bank have to report the loan as "on demand and short notice" product in the report for 30.09.2023?
No answer published yet.

Original source: European Banking Authority, Q&A ID 2023_6955

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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