European Banking Authority Q&A Database

Power of the resolution authority to transfer back

Directive 2014/59/EU (BRRD) · Art. 38

Clarification on Article 36(6)(a)

Directive 2014/59/EU (BRRD) · Art. 36

References to shareholders in Article 34 (and 44)

Directive 2014/59/EU (BRRD) · Art. 34, 44

Special manager as insolvency manager

Directive 2014/59/EU (BRRD) · Art. 35

Definition of the target level for national resolution systems since 2016

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

Composition of resolution college

Directive 2014/59/EU (BRRD) · Art. 88

Resolution plan for an institution without any critical economic functions

Directive 2014/59/EU (BRRD) · Art. 10, 12

Variable component of the remuneration of material risk takers

Directive 2014/59/EU (BRRD) · Art. 44

MREL regarding liabilities governed by the law of a third-country

Directive 2014/59/EU (BRRD) · Art. 55

Rights over or in relation to assets, rights and liabilities transferred

Directive 2014/59/EU (BRRD) · Art. 38, 40, 42

Wholly or partially owned by a public authority requirement and bail-in

Directive 2014/59/EU (BRRD) · Art. 40, 41, 43

Payment of consideration in shares of a bridge institution

Directive 2014/59/EU (BRRD) · Art. 37, 40

Interaction of shares transfer with the resolution process

Directive 2014/59/EU (BRRD) · Art. 38, 40

Responsibility to pay expenses

Directive 2014/59/EU (BRRD) · Art. 37

Winding up or liquidation of residual entity

Directive 2014/59/EU (BRRD) · Art. 37

Reimbursement of resolution expenses via sale of the asset management vehicle

Directive 2014/59/EU (BRRD) · Art. 37

Authorisation of the purchaser of a (bridge) institution in another Member State

Directive 2014/59/EU (BRRD) · Art. 38, 38

Clarification of “access to critical functions”

Directive 2014/59/EU (BRRD) · Art. 41

Winding up of a bridge institution

Directive 2014/59/EU (BRRD) · Art. 41

Transfer of assets, rights and liabilities to the bridge institution / asset management vehicle

Directive 2014/59/EU (BRRD) · Art. 40, 42

Liability in the context of special management

Directive 2014/59/EU (BRRD) · Art. 35

Declaration of insolvency / bankruptcy

Directive 2014/59/EU (BRRD) · Art. 32, 32b

Clarification on formal decision

Directive 2014/59/EU (BRRD) · Art. 32, 32a, 33

Determination made by competent authority

Directive 2014/59/EU (BRRD) · Art. 32 / 81 / 82

Determination the failure of an institution

Directive 2014/59/EU (BRRD) · Art. 32

Stating in law that banks’ activities are always in the public interest

Directive 2014/59/EU (BRRD) · Art. 32

Inclusion of mixed-activity holding companies into group resolution plans

Directive 2014/59/EU (BRRD) · Art. 12

Suspension of resolution plan updates

Directive 2014/59/EU (BRRD) · Art. 17

Clarification on the scope of application to address or remove impediments to resolvability

Directive 2014/59/EU (BRRD) · Art. 17

Prohibition for institutions to enter into agreements with third country counterparties

Directive 2014/59/EU (BRRD) · Art. 17

Clarification to the wording “joint decisions should be taken by national authorities concerned” in Recital 98

Directive 2014/59/EU (BRRD) · Art. Recital 98

Scope of application of EBA guidelines on loan origination and monitoring

Directive 2013/36/EU (CRD) · Art. 74

Association of personalised security credentials to the payment service user

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

Confirmation of Funds (CoF) request by a PISP in case of batch processing system

Directive 2015/2366/EU (PSD2) · Art. 65

Scope of “additional registrations” as obstacles in the sense of Article 32(3) Delegated Regulation (EU) 2018/389

Directive 2015/2366/EU (PSD2) · Art. 98

Maturity calculation under IRB for exposures that only have contractual cashflows in the form of fees

Regulation (EU) No 575/2013 (CRR) · Art. 162

Treatment of cured defaulted exposures

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

Look-through application under IRB approach

Regulation (EU) No 575/2013 (CRR) · Art. 152

Calculation of the collateral value of immovable property considering minimum level of over-collateralisation ratio

Regulation (EU) No 575/2013 (CRR) · Art. 125, 126, 230

Definition of participation for the purposes of Article 18(7) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 18

Scope of applicability of the required method of prudential consolidation under the Article 18(7) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 18

Treatment of third country covered bonds under IRB Approach

Regulation (EU) No 575/2013 (CRR) · Art. 161

Payers right to make use of payment initiation service providers for all types of payment transactions

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

Synthetic securitisatios

Regulation (EU) No 2017/2402 (SecReg) · Art. 2

Applicability of the Guidelines of the Committee of European Banking Supervisors on Article 106(2)(c) and (d) of Directive 2006/48/EC (CRD)

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

Alternative strong customer authentication for citizens without mobile

Directive 2015/2366/EU (PSD2) · Art. 97 & 98

Use of the “maturity of the tranche” (MT) as defined in Article 257 CRR as the “residual maturity” for purposes of the volatility adjustments for securitisation positions under Table 1 of Article 224(1) CRR.

Regulation (EU) No 575/2013 (CRR) · Art. 224

Use of short-term credit assessments with Article 120(2) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 120

Revocation / Invalidation of SCA proof before execution date

Directive 2015/2366/EU (PSD2) · Art. 74

Home / host cooperation

Directive 2015/2366/EU (PSD2) · Art. 28