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as authoritative guidance by national competent authorities across the EU.
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All regulations Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU Benchmarks Regulation (BMR) - Regulation 2016/1011 Central Securities Depositories Regulation (CSDR) Regulation (EU) No 909/2014- PTR- CSDR Credit Rating Agencies Regulation (CRAR) Regulation (EC) No 1060/2009 Directive 2002/87/EC (FiCOD) Directive 2009/110/EC (EMD) Directive 2013/36/EU (CRD) Directive 2014/17/EU (MCD) Directive 2014/49/EU (DGSD) Directive 2014/59/EU (BRRD) Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) Directive 2014/92/EU (PAD) Directive 2015/2366/EU (PSD2) Directive 2022/2556/EU (DORA Dir) Directive (EU) 2015/849 (AMLD) Directive (EU) 2019/2034 (IFD) EIOPA-BoS/18-114 - Information request towards NCAs regarding provision of occupational pensions information EIOPA-BoS-23-030 - Regular information requests regarding provision of occupational pensions information EMIR ESGR - Regulation (EU) 2024/3005 (EU) 2016/2341 - IORP II Directive (EU) 2016/2341 - IORP II Directive, (EU) No 2016/97 - Insurance Distribution Directive (EU) 2016/2341 - IORP II Directive, Other (EU) 2017/653 - PRIIPs Delegated Regulation for key information document (EU) 2017/653 - PRIIPs Delegated Regulation for key information document, (EU) No 1286/2014 - PRIIPs Regulation (EU) 2019/1238 - Pan-European Personal Pension Product (PEPP) (EU) 2019/1238 - Pan-European Personal Pension Product (PEPP), (EU) 2022/2454 - ITS with regard to supervisory reporting of risk concentrations and intra-group transactions (FICOD, (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, EIOPA-BoS-23-030 - Regular information requests regarding provision of occupational pensions information (EU) 2019/2088 - SFDR (EU) 2020/852 - Taxonomy Regulation (EU) 2022/2454 - ITS with regard to supervisory reporting of risk concentrations and intra-group transactions (FICOD (EU) 2022/2454 - ITS with regard to supervisory reporting of risk concentrations and intra-group transactions (FICOD, (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision (EU) 2022/2554 - Digital Operational Resilience Act (DORA) (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, (EU) 2023/895 - ITS for the disclosure of solvency and financial condition report (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, Other (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, Revised Guidelines on Contract Boundaries, Guidelines on contract boundaries (EU) 2023/895 - ITS for the disclosure of solvency and financial condition report EU Green Bond Regulation (EU) 2023/2361 (EU) No 1286/2014 - PRIIPs Regulation (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/2011 - lists of regional governments & local authorities, exposures to be treated as to central government (EU) No 2015/2013 - standard deviations in relation to health risk equalisation systems (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, Guidelines on reporting and public disclosure (EU) No 2015/2451 - templates and structure of the disclosure of specific information by supervisory authorities (EU) No 2015/2451 - templates and structure of the disclosure of specific information by supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/2452 - procedures, formats and templates of the solvency and financial condition report (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2015/2011 - lists of regional governments & local authorities, exposures to be treated as to central government (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on application of outwards reinsurance (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on contract boundaries (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on group solvency (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on implementation of the long-term guarantee measures (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on look-through approach (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on methodology for equivalence assessments by national supervisory authorities under Solvency II (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on recognition and valuation of assets and liabilities other than technical provisions (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on valuation of technical provisions (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on valuation of technical provisions, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Other (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Risk-Free Interest Rate - General questions (EU) No 2016/1800 - allocation of Credit Assessments of external CA institutions to objective scale of credit quality steps (EU) No 2016/97 - Insurance Distribution Directive (EU) No 2016/97 - Insurance Distribution Directive, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2017/1469 - standardised presentation format for the insurance product information document (EU) No 2017/1469 - standardised presentation format for the insurance product information document, Guidelines on classification of own funds (EU) No 2017/2358 - product oversight and governance requirements for insurance (EU) No 2017/2358 - product oversight and governance requirements for insurance, (EU) No 2016/97 - Insurance Distribution Directive (EU) No 2017/2358 - product oversight and governance requirements for insurance, Preparatory Guidelines on product oversight & governance arrangements by insurance undertakings & insurance distributors, (EU) No 2016/97 - Insurance Distribution Directive (EU) No 2017/2359 - info requirements and conduct of business rules applicable European Long-Term Investment Funds Regulation (ELTIF) Regulation (EU) 2015/760 European Market Infrastructure Regulation (EMIR) Regulation (EU) No 648/2012- MDP European Market Infrastructure Regulation (EMIR) Regulation (EU) No 648/2012- PTR- Derivatives European Social Entrepreneurship Funds Regulation (EuSEF) Regulation (EU) No 346/2013 European Venture Capital Regulation (EuVECA) Regulation (EU) No 345/2013 Guidelines on application of life underwriting risk module Guidelines on application of outwards reinsurance Guidelines on basis risk Guidelines on classification of own funds Guidelines on classification of own funds, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) Guidelines on contract boundaries Guidelines on financial stability reporting Guidelines on financial stability reporting, Guidelines on reporting for financial stability purposes Guidelines on group solvency Guidelines on health catastrophe risk sub-module Guidelines on look-through approach Guidelines on loss-absorbing capacity of technical provisions and deferred taxes Guidelines on own risk and solvency assessment Guidelines on recognition and valuation of assets and liabilities other than technical provisions Guidelines on reporting and public disclosure Guidelines on reporting for financial stability purposes Guidelines on ring-fenced funds Guidelines on submission of information to NCAs (Preparatory phase) Guidelines on supervision of branches of third-country insurance undertakings Guidelines on supervisory review process Guidelines on system of governance Guidelines on the Forward looking assessment of own risks Guidelines on treatment of related undertakings, including participations Guidelines on use of internal models Guidelines on valuation of technical provisions Market Abuse Regulation (MAR) Regulation (EU) No 596/2014 - Market Intergrity Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- MDP Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014 - Investor Protection and Intermediaries Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- Secondary Markets MiCA Other Packaged Retail and Insurance-based Investment Products Regulation (PRIIPS) Regulation (EU) No 1286/2014 PRIIPs Prospectus Regulation 2017/1129 Regulation 2020/1503 - European crowdfunding service providers for business Regulation 2021/23 - recovery and resolution of central counterparties (CCPRRR) Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs Regulation (EU) 2015/847 (WTR) (recast) Regulation (EU) 2019/2088 - Sustainable Finance Disclosure Regulation (SFDR) Regulation (EU) 2022/2554 - The Digital Operational Resilience Act (DORA) Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) Regulation (EU) 2023/1113 (WTR II) Regulation (EU) 2024/886 (IPR) Regulation (EU) No 2017/2402 (SecReg) Regulation (EU) No 2019/2033 (IFR) Regulation (EU) No 2022/2554 (DORA Reg) Regulation (EU) No 2023/1114 (MiCAR) Regulation (EU) No 575/2013 (CRR) Regulation (EU) No 648/2012 (EMIR) Regulation (EU) No 909/2014 (CSDR) - only RTS 2017/390 Revised Guidelines on Contract Boundaries Revised Guidelines on valuation of technical provisions Revised Guidelines on valuation of technical provisions, (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) Revised Guidelines on valuation of technical provisions, (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) Risk-Free Interest Rate - Credit and currency adjustments Risk-Free Interest Rate - Deep, Liquid and Transparent maturities Risk-Free Interest Rate - Extrapolation Risk-Free Interest Rate - Extrapolation, Risk-Free Interest Rate - Financial market data Risk-Free Interest Rate - Extrapolation, Risk-Free Interest Rate - General questions, Risk-Free Interest Rate - VA calculations Risk-Free Interest Rate - Financial market data Risk-Free Interest Rate - General questions Risk-Free Interest Rate - Matching adjustment Risk-Free Interest Rate - Matching adjustment, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) Risk-Free Interest Rate - VA calculations Risk-Free Interest Rate - VA calculations, Risk-Free Interest Rate - VA representative portfolios Risk-Free Interest Rate - VA representative portfolios Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP Securitisation Regulation (EU) 2017/2402 SFDR Short Selling Regulation (SSR) Regulation (EU) No 236/2012 Symmetric adjustment of the equity capital charge Transparency Directive (TD) Directive 2004/109/EC Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
7,005 Q&As · page 125 of 141
Credit Risk Mitigation
Regulation (EU) No 575/2013 (CRR) · Art. 197
EBA Final Q&A
Answered 2015-07-10
Applicability of Article 423(1) of the CRR for intermediaries facilitating derivatives clearing between its clients and a CCP
Regulation (EU) No 575/2013 (CRR) · Art. 423
EBA Final Q&A
Answered 2015-07-10
Exemptions from the application of Article 395(1)
Regulation (EU) No 575/2013 (CRR) · Art. 395, 400, 403
EBA Final Q&A
Answered 2015-07-10
Reporting of Counterparties on LE2 and LE3 Templates - connected counterparties
Regulation (EU) No 575/2013 (CRR) · Art. 4
EBA Final Q&A
Answered 2015-07-10
Use of ECAI credit assessments for the determination of risk weights
Regulation (EU) No 575/2013 (CRR) · Art. 120,121,138
EBA Final Q&A
Answered 2015-07-03
FINREP – Reporting of accumulated changes in fair value due to credit risk and FINREP sign convention
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-06-26
Reporting of secured lending if an institution has no possession of the collateral
Regulation (EU) No 575/2013 (CRR) · Art. 460
EBA Final Q&A
Answered 2015-06-26
Exemption of deduction under transitional arrangements. Calculation of the threshold of Article 470 of Regulation (EU) No 575/2013 (CRR)
Regulation (EU) No 575/2013 (CRR) · Art. 470
EBA Final Q&A
Answered 2015-06-26
Excess of deductions from AT1 items over AT1 capital which must be deducted from CET1, but is caused by the impact of transitional arrangements.
Regulation (EU) No 575/2013 (CRR) · Art. 469
EBA Final Q&A
Answered 2015-06-26
Inconsistencies in FINREP validation rules for Allowances and provisions for impaired debt instruments, defaulted guarantees and defaulted commitments (F31.01)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-06-26
Significance of the term ‘without prejudice’ in Article 86 of Regulation (EU) No 575/2013 (CRR)
Regulation (EU) No 575/2013 (CRR) · Art. 86
EBA Final Q&A
Answered 2015-06-26
Basel I floor
Regulation (EU) No 575/2013 (CRR) · Art. 500
EBA Final Q&A
Answered 2015-06-26
Definition of Additional Tier 1 instruments for the purposes of Article 141 of Directive 2013/36/EU
Directive 2013/36/EU (CRD) · Art. 141
EBA Final Q&A
Answered 2015-06-26
When should an external rating be considered as a primary factor determining an internal rating assignment
Regulation (EU) No 575/2013 (CRR) · Art. 143
EBA Final Q&A
Answered 2015-06-19
Recognition of additional credit protection in the regulatory LGD
Regulation (EU) No 575/2013 (CRR) · Art. 143
EBA Final Q&A
Answered 2015-06-19
Definition for short-term letters of credit
Regulation (EU) No 575/2013 (CRR) · Art. 4, 120
EBA Final Q&A
Answered 2015-06-19
Application of volatility haircuts adjusted under Article 285(3) (extended margin period of risk)
Regulation (EU) No 575/2013 (CRR) · Art. 285
EBA Final Q&A
Answered 2015-06-19
Securities borrowing - early termination clause vs HQLA
Regulation (EU) No 575/2013 (CRR) · Art. 417
EBA Final Q&A
Answered 2015-06-19
Deduction of direct holdings of CET 1 instruments of FSEs
Regulation (EU) No 575/2013 (CRR) · Art. 45
EBA Final Q&A
Answered 2015-06-19
Reporting of Liabilities against the initial margin and default fund
Regulation (EU) No 575/2013 (CRR) · Art. 100
EBA Final Q&A
Answered 2015-06-19
C 45.00 - LEVERAGE RATIO CALCULATION (LRCalc): arithmetic mean of monthly data vs. end of quarter data
Regulation (EU) No 575/2013 (CRR) · Art. 429
EBA Final Q&A
Answered 2015-06-12
Disclosure of the Leverage Ratio
Regulation (EU) No 575/2013 (CRR) · Art. 451, 521
EBA Final Q&A
Answered 2015-06-12
Clarification on Leverage Ratio Delegated Act Reporting
Regulation (EU) No 575/2013 (CRR) · Art. ARTICLE 429, 429 bis, 429 ter
EBA Final Q&A
Answered 2015-06-12
Maturity matching
Regulation (EU) No 575/2013 (CRR) · Art. 45, 59, 69
EBA Final Q&A
Answered 2015-06-12
Reduction of CET1 by absorbing losses which are already accounted as loss brought forward
Regulation (EU) No 575/2013 (CRR) · Art. 77, 78
EBA Final Q&A
Answered 2015-06-05
Usage of the internal model for determining the own funds requirements for the specific risk associated with traded debt positions in the advanced method for Credit Valuation Adjustment (CVA) risk
Regulation (EU) No 575/2013 (CRR) · Art. 383
EBA Final Q&A
Answered 2015-06-05
Eligible hedge of Credit Valuation Adjustment (CVA)
Regulation (EU) No 575/2013 (CRR) · Art. 386
EBA Final Q&A
Answered 2015-06-05
Currency in which the information that the institutions report to the competent authorities of the home member State must be submitted, according to art. 415, par.2. (Templates: C.51.00.w, C.51.00.x, C.52.00.w, C.52.00.x, C.52.00.y, C.52.00.z, C.53.00.w, C.53.00.x, C.53.00.y, C.54.00.a, C54.00.w)
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2015-05-29
F18 & F19 Commercial Real Estate
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-05-29
Statement of Profit or Loss
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-05-29
FINREP – reporting of negative interest
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-05-22
Treatment of specific liabilities - even deduction
Directive 2014/59/EU (BRRD) · Art. 103
EBA Final Q&A
Answered 2015-05-22
Client money
Directive 2014/59/EU (BRRD) · Art. 44
EBA Final Q&A
Answered 2015-05-08
Defintion of “micro, small and medium sized enterprises”
Directive 2014/59/EU (BRRD) · Art. 108
EBA Final Q&A
Answered 2015-05-08
10 largest exposures to institutions and unregulated financial sector entities
Regulation (EU) No 575/2013 (CRR) · Art. 394
EBA Final Q&A
Answered 2015-05-08
Report information on the 20 largest exposures to clients or groups of connected clients
Regulation (EU) No 575/2013 (CRR) · Art. 394
EBA Final Q&A
Answered 2015-05-08
Inclusion of interim profits in CET1
Regulation (EU) No 575/2013 (CRR) · Art. 26
EBA Final Q&A
Answered 2015-05-08
Forborne exposures, Template 19, column 110
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-05-08
Statement of Profit or Loss
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-05-08
Exposure to third country institutions and investment firms
Regulation (EU) No 575/2013 (CRR) · Art. 107
EBA Final Q&A
Answered 2015-04-30
Implementation of the provisions on the shorter transitional period for a countercyclical capital buffer, as provided under Article 160 of the Directive 2013/36/EU
Directive 2013/36/EU (CRD) · Art. 160
EBA Final Q&A
Answered 2015-04-30
Treatment of Sovereign Wealth Funds as non-financial customers or financial customers
Regulation (EU) No 575/2013 (CRR) · Art. 422
EBA Final Q&A
Answered 2015-04-30
Deposits received as collateral
Regulation (EU) No 575/2013 (CRR) · Art. 423
EBA Final Q&A
Answered 2015-04-30
Disclosure on the basis of consolidated situation of EU parent financial holding company
Regulation (EU) No 575/2013 (CRR) · Art. 13
EBA Final Q&A
Answered 2015-04-24
Removal of Senior Management
Directive 2014/59/EU (BRRD) · Art. 27, 28
EBA Final Q&A
Answered 2015-04-17
Solvency in the context of Article 32(4)(d)
Directive 2014/59/EU (BRRD) · Art. 32
EBA Final Q&A
Answered 2015-04-17
Definition of the exposure portfolio for which permanent partial use of standardised approach can be applied for by a credit institution using the IRB approach
Regulation (EU) No 575/2013 (CRR) · Art. 150
EBA Final Q&A
Answered 2015-04-10
Segregation and portability (old CCP question 8 dated 31/03/2015)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 39 of EMIR - old CCP question 8 dated 31/03/2015
ESMA Answer Published
Answered 2015-03-31
Authorisation of a CCP (old CCP question 6 dated 31/03/2015)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 14 of EMIR - old CCP question 6 dated 31/03/2015
ESMA Answer Published
Answered 2015-03-31
Clarification of EBA answer published for Q&A 2014_1000
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2015-03-27
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