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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 136 of 141
FINREP Amount of cumulative changes in fair value due to credit risk
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
FINREP, interim dividends
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
IP Losses: Direct and Indirect costs associated with immovable property losses
Regulation (EU) No 575/2013 (CRR) · Art. 101
EBA Final Q&A
Answered 2014-02-14
FINREP: thresholds applicable to F20.1 - 20.7 (geographical breakdown)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
COREP: CA5.1 Template (Rows 133, 136 and 138)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
FINREP - reporting by residence of the counterparty - format of the country code
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
Liquidity: First submission date for Stable Funding template
Regulation (EU) No 575/2013 (CRR) · Art. Article 415
EBA Final Q&A
Answered 2014-02-14
COREP: CR GB 3 Template
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
COREP: Validation rules on draft ITS for C19.00 (MKR SA SEC)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 41.2 Use of the fair value - Crossing col 030 "Hybrid contracts" / Row 020 "equity instruments"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F7 Financial assets subject to impairment that are past due or impaired (+ template 5) - Row 310 "project finance loans"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 40.2 Group structure "instrument-by-instrument"
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F13.1 Breakdown of loans and advances by collateral and guarantees - Col 030 "Other collateralized loans - Cash [Debt instruments issued]"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F10 Derivatives - Trading - "Economic hedges" (Rows 020, 080, 140, 200, 260 and 280)
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Template 16.1 Interest income and expenses by instrument and counterparty sector (+ template 2) - Setting of interests on derivatives - hedge accounting other than interest rate risk
Regulation (EU) No 575/2013 (CRR) · Art. Art 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F16.7 Impairment on financial and non-financial assets - "Impairment or (-) reversal of impairment of investments in subsidaries, joint ventures and associates" (Rows 070 à 090)
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 16.7 Impairment on financial and non-financial assets - Cancellation of the row 150 "impairment of other non-financial assets"
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 17.3 Reconciliation between Accounting and CRR scope of consolidation - Liabilities and equity - Row 170 "Liabilities under insurance and reinsurance contracts"
Regulation (EU) No 575/2013 (CRR) · Art. Art 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F8.1 Breakdown of financial liabilities by product and by counterparty sector - "Repurchase agreements" (Rows 100, 150, 200, 250, 300 and 350)
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 22.1 Fee and commission income and expenses by activity (+ template 22.2) - Row 140 "Customer resources distributed but not managed [by type of product]"
Regulation (EU) No 575/2013 (CRR) · Art. Art 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 31.1 Related parties: amounts payable to and amounts receivable from (+ template 31.2) - Column 020 "subsidiaries" et Column 050 "other related parties"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Template 40 Group structure (40.1 "entity-by-entity" - 40.2 "instrument-by-instrument") - Notion of Group scope
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP: F14 Fair value hierarchy: financial instruments at fair value - Columns 060 to 080 "Accumulated change in fair value before taxes"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 40.1 Group structure "entity-by-entity" - Col 080 "Profit or (-) loss of investee"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - Contents of template 40.1 Group structure "entity-by-entity" - Col 160 "Carrying amount"
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
FINREP: F12 Movements in allowances for credit losses and impairment of equity instruments - Col 020 to 060 - Breakdown by counterparty
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F7 Financial assets subject to impairment that are past due or impaired (+ template 5) - Row 260 "Advances that are not loans"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F7 Financial assets subject to impairment that are past due or impaired (+ template 5) - Row 200 "On demand [call] and short notice [current account]"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP - F7 Financial assets subject to impairment that are past due or impaired - Column 110 "Accumulated write-offs"
Regulation (EU) No 575/2013 (CRR) · Art. ARticle 99
EBA Final Q&A
Answered 2014-02-14
FINREP: F1.3 Equity - Row 070 "Other equity instruments issued"
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
COREP: C05.01 Transitional Adjustments Reciprocal Cross Holdings - Residual amounts of CET1 to be deducted from AT1 and T2
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2014-02-14
FINREP: Reporting of insurance subsidiaries
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-02-14
Use of margins posted by non-defaulted Clearing Members (old CCP question 18 dated 11/02/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 45(4) of EMIR - old CCP question 18 dated 11/02/2014
ESMA Answer Published
Answered 2014-02-11
Application of the exemptions to Title IV of EMIR (old CCP question 19 dated 11/02/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 1 of EMIR - old CCP question 19 dated 11/02/2014
ESMA Answer Published
Answered 2014-02-11
Limited exposures of Clearing Members (old CCP question 17 dated 11/02/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Articles 43(3) and 48(2) of EMIR - old CCP question 17 dated 11/02/2014
ESMA Answer Published
Answered 2014-02-11
Transparency (old CCP question 16 dated 11/02/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 38 of EMIR - old CCP question 16 dated 11/02/2014
ESMA Answer Published
Answered 2014-02-11
Default Fund (old CCP question 12 dated 11/02/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 42 of EMIR - old CCP question 12 dated 11/02/2014
ESMA Answer Published
Answered 2014-02-11
Investment Policy (old CCP question 11 dated 11/02/2014)
Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 47 of EMIR - old CCP question 11 dated 11/02/2014
ESMA Answer Published
Answered 2014-02-11
The meaning of the "amount owed to the institution"
Regulation (EU) No 575/2013 (CRR) · Art. 501
EBA Final Q&A
Answered 2014-01-31
Applicability of the transitional period under Article 124(3) of Regulation (EU) No. 575/2013
Regulation (EU) No 575/2013 (CRR) · Art. 124
EBA Final Q&A
Answered 2014-01-31
Definition of SME
Regulation (EU) No 575/2013 (CRR) · Art. 501
EBA Final Q&A
Answered 2014-01-31
Holdings of own funds instruments issued by financial sector entities included in the scope of consolidated supervision not deducted from own funds on an individual basis
Regulation (EU) No 575/2013 (CRR) · Art. 49
EBA Final Q&A
Answered 2014-01-31
Outflows associated with shorts - net or gross
Regulation (EU) No 575/2013 (CRR) · Art. 423
EBA Final Q&A
Answered 2014-01-31
Treatment of Tier 1 securities with calls every 5 years (as opposed to quarterly calls)
Regulation (EU) No 575/2013 (CRR) · Art. 489
EBA Final Q&A
Answered 2014-01-31
Valuation of qualifying holdings outside the financial sector for the purposes of Article 89 of Regulation (EU) No. 575/2013
Regulation (EU) No 575/2013 (CRR) · Art. 89
EBA Final Q&A
Answered 2014-01-24
Assets controlled by a liquidity management function
Regulation (EU) No 575/2013 (CRR) · Art. 416, 417, 509
EBA Final Q&A
Answered 2014-01-24
Tap issues
Regulation (EU) No 575/2013 (CRR) · Art. 484
EBA Final Q&A
Answered 2014-01-24
Eligibility of Tier 2 after contractual change if already in amortisation phase
Regulation (EU) No 575/2013 (CRR) · Art. 63
EBA Final Q&A
Answered 2014-01-24
Grandfathering of own funds instruments
Regulation (EU) No 575/2013 (CRR) · Art. 490
EBA Final Q&A
Answered 2014-01-24
Meaning of Article 79 (b) of Directive 2013/36/EU (CRD)
Directive 2013/36/EU (CRD) · Art. 79
EBA Final Q&A
Answered 2013-12-20
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