EBA · 2025_7557 Rejected question

Loans for ADC (Loan for Acquisition, Development and Construction) with underlying exposure residential mortgage

Regulation
Regulation (EU) No 575/2013 (CRR)
Article
Point (c) of Article 428ad and Point (c) of 428ag CRR, para. Point (c) of 428ag
Topic
Supervisory reporting - Liquidity (LCR, NSFR, AMM)
Submitted by
Other
Submitted
2025-08-11
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Question

Considering Basel IV (CRR3) was published after the latest NSFR template instructions. Our interpretation is that there are two possibilities: EBA keep the existing wording allowing only exposures secured by mortgages on residential property or EBA amends the wording for NSFR c80 row 0810 and allows any exposures secured by mortgages and loans on residential property.

Background

(EU) 575 / 2013 - Point (c) of 428ag says;  (c) unencumbered loans with a residual maturity of one year or more, excluding loans to financial customers and loans referred to in Articles 428r to 428af, which are not past due for more than 90 days and which are assigned a risk weight of more than 35 % in accordance with Chapter 2 of Title II of Part Three;
No answer published yet.

Original source: European Banking Authority, Q&A ID 2025_7557

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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