European Banking Authority Q&A Database

Official Q&As published by the European Banking Authority on CRD, CRR, PSD2, AML, and other EU banking regulations.

2,714 final Q&As · page 12 of 55 · View all sources

Treatment of tax accounts

Regulation (EU) No 575/2013 (CRR) · Art. 416

Final Q&A

Answered 2022-04-01

Classification of “Undrawn term loans” under Article 23(1)(b) LCR DA

Regulation (EU) No 575/2013 (CRR) · Art. 412

Final Q&A

Answered 2022-04-01

Fulfilment of conditions reported under Article 45(a) CRR for a synthetic holding held in the banking book and with a maturity less than 1 year

Regulation (EU) No 575/2013 (CRR) · Art. 45

Final Q&A

Answered 2022-04-01

Definition of short position

Regulation (EU) No 575/2013 (CRR) · Art. 45

Final Q&A

Answered 2022-04-01

Transactions in the banking book where no strike is available

Regulation (EU) No 575/2013 (CRR) · Art. 36

Final Q&A

Answered 2022-04-01

Client servicing in the definition of the trading book

Regulation (EU) No 575/2013 (CRR) · Art. 4

Final Q&A

Answered 2022-04-01

Estimation of default probability and loss given default under the internal default risk model for a trading book position, where those estimates are not available at trade date under an approved IRB approach

Regulation (EU) No 575/2013 (CRR) · Art. 325bp

Final Q&A

Answered 2022-03-18

Application of the provisions described in paragraphs 10 to 12 of Article 133 (systemic risk buffer, SyRB)

Directive 2013/36/EU (CRD) · Art. 133

Final Q&A

Answered 2022-03-18

Subcontractor of electronic money distributor

Directive 2009/110/EC (EMD) · Art. 3

Final Q&A

Answered 2022-03-18

Interaction between 45f(3) and 45f(4) BRRD

Directive 2014/59/EU (BRRD) · Art. 45f

Final Q&A

Answered 2022-03-18

Topping-up e-money accounts with voucher-based products

Directive 2009/110/EC (EMD) · Art. 2 and 3

Final Q&A

Answered 2022-03-18

Fees on issuing eletronic money

Directive 2009/110/EC (EMD) · Art. 11

Final Q&A

Answered 2022-03-18

Access to account for FinTech Solutions that incorporate regulated services

Directive 2015/2366/EU (PSD2) · Art. 4, 66 and 67

Final Q&A

Answered 2022-03-18

Money Remittance

Directive 2015/2366/EU (PSD2) · Art. 4

Final Q&A

Answered 2022-03-18

Acquisition and money remittance payment service

Directive 2015/2366/EU (PSD2) · Art. 4.12, 4.24, 4.44, 10, 87.2 and Recital 37

Final Q&A

Answered 2022-03-18

Individual's name to return in AISP/PISP calls

Directive 2015/2366/EU (PSD2) · Art. 66, 67

Final Q&A

Answered 2022-03-18

Treatment of covered deposits when determining the contribution base of Investment Firms

Directive 2014/59/EU (BRRD) · Art. 103

Final Q&A

Answered 2022-03-18

Contributions to the financing arrangements from ceased banks

Directive 2014/59/EU (BRRD) · Art. 103

Final Q&A

Answered 2022-03-18

Definition of "total liabilities"

Directive 2014/59/EU (BRRD) · Art. 103

Final Q&A

Answered 2022-03-18

Clarification on EBA Final Q&A 2015_2469 / Exemption from bail-in of liabilities to institutions in order to avoid risk of systemic contagion

Directive 2014/59/EU (BRRD) · Art. 44

Final Q&A

Answered 2022-03-18

Mount unattended contactless device on general goods vending machines

Directive 2015/2366/EU (PSD2) · Art. 97

Final Q&A

Answered 2022-03-11

AISPs and scope of application AML requirements

Directive 2015/2366/EU (PSD2) · Art. 33

Final Q&A

Answered 2022-03-11

Range of application of the LGD regulatory floor for the calculation of own funds requirements at individual and consolidated levels

Regulation (EU) No 575/2013 (CRR) · Art. 164

Final Q&A

Answered 2022-02-18

Gamma correlations regarding curvature risk in low and high scenario

Regulation (EU) No 575/2013 (CRR) · Art. 325h

Final Q&A

Answered 2022-02-11

Calculation of NPV loss in case of (internal) refinancing

Regulation (EU) No 575/2013 (CRR) · Art. 178

Final Q&A

Answered 2022-02-11

Applicability of fix amount dividend policy to mutuals, cooperative societies, saving institutions and similar institutions

Regulation (EU) No 575/2013 (CRR) · Art. 26

Final Q&A

Answered 2022-02-11

Assignment to grades or pools

Regulation (EU) No 575/2013 (CRR) · Art. 171

Final Q&A

Answered 2022-02-11

Aggregation of separate client exposures for a transaction with underlying credit risk exposure

Regulation (EU) No 575/2013 (CRR) · Art. 390

Final Q&A

Answered 2022-02-11

Simultaneous applicability of non-deduction exemptions under Articles 48 and 49 CRR regarding equity exposures on insurance holdings where an institution has a significant investment

Regulation (EU) No 575/2013 (CRR) · Art. 48

Final Q&A

Answered 2022-02-11

Use of UTP triggers when default definition is on facility level

Regulation (EU) No 575/2013 (CRR) · Art. 178

Final Q&A

Answered 2022-02-11

Treatment of Repo and Reverse repo with bilateral early termination option

Regulation (EU) No 575/2013 (CRR) · Art. 428q

Final Q&A

Answered 2022-02-11

Application of Required Stable Funding on the basis of Guarantees Received

Regulation (EU) No 575/2013 (CRR) · Art. Article 428ad

Final Q&A

Answered 2022-02-11

Excess collateral held by credit institution that can be contractually called at any times by the counterparty

Regulation (EU) No 575/2013 (CRR) · Art. 423

Final Q&A

Answered 2022-02-11

LCR treatment of maturing securities issued by the reporting credit institution

Regulation (EU) No 575/2013 (CRR) · Art. 460

Final Q&A

Answered 2022-02-11

Weighting of EVE gains of domestic currency by a factor of 50% when calculating the aggregate EVE change for each interest rate shock scenario

Directive 2013/36/EU (CRD) · Art. 84

Final Q&A

Answered 2022-02-11

Original maturity for off-balance sheet items

Regulation (EU) No 575/2013 (CRR) · Art. 111

Final Q&A

Answered 2022-02-11

Callable deposits from financial institutions to be included in LCR with the entire outstanding

Regulation (EU) No 575/2013 (CRR) · Art. 412

Final Q&A

Answered 2022-02-11

Definition of retail deposits which meet conditions from Article 25(2)(d) LCR Amending Act

Regulation (EU) No 575/2013 (CRR) · Art. 421

Final Q&A

Answered 2022-02-11

Pending credit offers

Regulation (EU) No 575/2013 (CRR) · Art. 424

Final Q&A

Answered 2022-02-11

Consolidated supervision

Regulation (EU) No 575/2013 (CRR) · Art. 11

Final Q&A

Answered 2022-02-11

Issues related to para (89) of the EBA/GL/2017/16 with regards to the calibration procedure of the PD models to be conducted “after taking into account any overrides applied in the assignment of obligors to grades or pools”

Regulation (EU) No 575/2013 (CRR) · Art. 160, 163,172

Final Q&A

Answered 2022-02-11

Risk weight attribution to loans guaranteed by third counterparties in NSFR

Regulation (EU) No 575/2013 (CRR) · Art. 428af

Final Q&A

Answered 2022-02-11

Residential Reverse mortgages RWA

Regulation (EU) No 575/2013 (CRR) · Art. 124

Final Q&A

Answered 2022-02-11

Unutilised Limits of Guarantess