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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 131 of 141
Calculation of retail exposures under Article 123(c) of Regulation (EU) No 575/2013 (CRR)
Regulation (EU) No 575/2013 (CRR) · Art. 123
EBA Final Q&A
Answered 2014-06-27
Reporting on own funds and own funds requirements - Exposure value calculation
Regulation (EU) No 575/2013 (CRR) · Art. 111, 389
EBA Final Q&A
Answered 2014-06-27
Allocation of loans and advances secured by more than one type of collateral in F 05.00 Breakdown of loans and advances by product
Regulation (EU) No 575/2013 (CRR) · Art. Art 99
EBA Final Q&A
Answered 2014-06-27
Template 5 - Missing Validation Rule
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-06-27
Supervisory Reporting (FINREP templates), 40.1 Group structure: “entity-by-entity”
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-06-27
COREP CR IRB - Calculation of column 10 - obligor PD with or without CRM technique
Regulation (EU) No 575/2013 (CRR) · Art. 180
EBA Final Q&A
Answered 2014-06-27
Outflows from credit and liquidity facilities
Regulation (EU) No 575/2013 (CRR) · Art. 424
EBA Final Q&A
Answered 2014-06-27
Supervisory Reporting requirements of branches in host countries
Regulation (EU) No 575/2013 (CRR) · Art. n/a
EBA Final Q&A
Answered 2014-06-27
Liquidity-sub group
Regulation (EU) No 575/2013 (CRR) · Art. 8
EBA Final Q&A
Answered 2014-06-27
Bestimmung der Forderungsklasse für börslich gehandelte Optionen, Warrants und Futures / Determination of the exposure class for exchange-traded options, warrants and futures
Regulation (EU) No 575/2013 (CRR) · Art. 112
EBA Final Q&A
Answered 2014-06-20
Definition of liquidity facility
Regulation (EU) No 575/2013 (CRR) · Art. 424, 425
EBA Final Q&A
Answered 2014-06-20
Calculation of outstanding Tier 2 capital, following pre-payment of amounts that have been amortised or phased-out
Regulation (EU) No 575/2013 (CRR) · Art. 64
EBA Final Q&A
Answered 2014-06-20
Capital instruments that were issued with an incentive to redeem but no longer contain one
Regulation (EU) No 575/2013 (CRR) · Art. 63, 489, 490
EBA Final Q&A
Answered 2014-06-20
What is ‘turnover’ for the purposes of Country-by-Country reporting?
Directive 2013/36/EU (CRD) · Art. 89
EBA Final Q&A
Answered 2014-06-06
First time application of country-by-country reporting – interaction between Article 89 paragraphs (1) and (2)
Directive 2013/36/EU (CRD) · Art. 89
EBA Final Q&A
Answered 2014-06-06
Definition of ‘establishment’ for the purposes of Country-by-Country reporting – scope of consolidation
Directive 2013/36/EU (CRD) · Art. 89
EBA Final Q&A
Answered 2014-06-06
Treatment as own funds under Regulation (EU) No 575/2013 (CRR)
Regulation (EU) No 575/2013 (CRR) · Art. 52, 63, 484
EBA Final Q&A
Answered 2014-06-06
Lower maximum penalties for natural persons
Directive 2013/36/EU (CRD) · Art. 66
EBA Final Q&A
Answered 2014-06-06
Definition of counterparty for the purpose of applying on-balance sheet netting
Regulation (EU) No 575/2013 (CRR) · Art. 195
EBA Final Q&A
Answered 2014-06-06
Scope of "undertaking" in Article 325 (1) of Regulation (EU) No 575/2013 (CRR)
Regulation (EU) No 575/2013 (CRR) · Art. 325
EBA Final Q&A
Answered 2014-06-06
Interpretation of Article 325b of Regulation (EU) No 575/2013 (CRR)
Regulation (EU) No 575/2013 (CRR) · Art. 325b
EBA Final Q&A
Answered 2014-06-06
Grandfathering of Own Funds Instruments
Regulation (EU) No 575/2013 (CRR) · Art. 484
EBA Final Q&A
Answered 2014-06-06
Capital buffers
Directive 2013/36/EU (CRD) · Art. 131
EBA Final Q&A
Answered 2014-06-06
Clarifications with respect to Commission Implementing Regulation (EU) No. 1423/2013 (ITS on disclosure of own funds requirments)
Regulation (EU) No 575/2013 (CRR) · Art. 437
EBA Final Q&A
Answered 2014-05-28
Grandfathering of own funds
Regulation (EU) No 575/2013 (CRR) · Art. 52
EBA Final Q&A
Answered 2014-05-28
Conversion of the total amount owed to institution from national currency to EUR
Regulation (EU) No 575/2013 (CRR) · Art. 501
EBA Final Q&A
Answered 2014-05-28
High Income OECD countries and High Income Euro Area countries as defined in the OECD
Regulation (EU) No 575/2013 (CRR) · Art. 137
EBA Final Q&A
Answered 2014-05-23
Application of phase-in regime
Regulation (EU) No 575/2013 (CRR) · Art. 472, 475, 477
EBA Final Q&A
Answered 2014-05-23
Passporting for financial institutions
Directive 2013/36/EU (CRD) · Art. 34
EBA Final Q&A
Answered 2014-05-23
Validations
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-05-23
Grandfathering
Regulation (EU) No 575/2013 (CRR) · Art. 486, 487, 488
EBA Final Q&A
Answered 2014-05-23
CVA for client exposures
Regulation (EU) No 575/2013 (CRR) · Art. 382
EBA Final Q&A
Answered 2014-05-23
Conditions for application of 4% risk weight
Regulation (EU) No 575/2013 (CRR) · Art. 305
EBA Final Q&A
Answered 2014-05-23
Organisational requirements (old CCP question 13 dated 21/05/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 26 of EMIR - old CCP question 13 dated 21/05/2014
ESMA Answer Published
Answered 2014-05-21
Prudential Requirements (old CCP question 21 dated 21/05/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Guideline and Recommendation 3(b)(v) - old CCP question 21 dated 21/05/2014
ESMA Answer Published
Answered 2014-05-21
Risk Committee (old CCP question 20 dated 21/05/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 28 of EMIR - old CCP question 20 dated 21/05/2014
ESMA Answer Published
Answered 2014-05-21
Eligibility of capital instruments for classification as Common Equity Tier 1 instruments when the instruments are supplemented by a contractual obligation of the majority-shareholder to pay a fixed yearly compensation to the minority shareholders
Regulation (EU) No 575/2013 (CRR) · Art. 28
EBA Final Q&A
Answered 2014-05-16
Specific collective provisions allocation
Regulation (EU) No 575/2013 (CRR) · Art. 110
EBA Final Q&A
Answered 2014-05-16
Standardised Method
Regulation (EU) No 575/2013 (CRR) · Art. 384
EBA Final Q&A
Answered 2014-05-16
CCF applicable to ABCP liquidity facilities for Leverage ratio purposes
Regulation (EU) No 575/2013 (CRR) · Art. 429f
EBA Final Q&A
Answered 2014-05-08
Look through approach to be applied for calculation of Leverage Ratio
Regulation (EU) No 575/2013 (CRR) · Art. 429
EBA Final Q&A
Answered 2014-05-08
Application of specific national filters and deductions when computing threshold deductions
Regulation (EU) No 575/2013 (CRR) · Art. 481
EBA Final Q&A
Answered 2014-05-08
Determining the exposure value for repurchase transactions for the purpose of calculating the leverage ratio in case the collateral provided doesn’t qualify as eligible according to CRR
Regulation (EU) No 575/2013 (CRR) · Art. 429
EBA Final Q&A
Answered 2014-05-08
10% limit for significant investments (for threshold exemptions determination purposes)
Regulation (EU) No 575/2013 (CRR) · Art. 470
EBA Final Q&A
Answered 2014-05-08
Disclosure of certain information by large subsidiaries of EU parent institutions on an individual or sub-consolidated basis
Regulation (EU) No 575/2013 (CRR) · Art. 13
EBA Final Q&A
Answered 2014-04-30
Forbearance - Exit criteria
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-04-30
Reporting Market Value in liabilities resulting from secured lending and capital market driven transactions as defined in Article 192 (C 52.00 template)
Regulation (EU) No 575/2013 (CRR) · Art. 422
EBA Final Q&A
Answered 2014-04-30
Template questions
Regulation (EU) No 575/2013 (CRR) · Art. 1
EBA Final Q&A
Answered 2014-04-30
How to report reverse repo operations in Part A template AE-ASS (C 31.01) and/or AE-COLL (C 32.02)
Regulation (EU) No 575/2013 (CRR) · Art. 100
EBA Final Q&A
Answered 2014-04-30
LE1 template (C 27.00) - reporting of identification data on individual clients within groups of connected clients
Regulation (EU) No 575/2013 (CRR) · Art. 394
EBA Final Q&A
Answered 2014-04-30
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