EU Financial Regulatory Q&A Database

Official Q&As published by EBA, ESMA, EIOPA and the ESA Joint Committee. Non-binding but treated as authoritative guidance by national competent authorities across the EU.

EBA 4,405 ESMA 1,526 EIOPA 2,635 Joint Committee 256

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8,822 Q&As matching current filters · page 137 of 177

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

Inclusion of incurred (IFRS) CVA in the IRB Provision shortfall calculation

Regulation (EU) No 575/2013 (CRR) · Art. 159

EBA Final Q&A

Answered 2013-12-20

Article 416 - Reporting on liquid assets

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

EBA Final Q&A

Answered 2013-12-20

Level of application of the new FINREP framework

Regulation (EU) No 575/2013 (CRR) · Art. 99

EBA Final Q&A

Answered 2013-12-20

Possibility to increase the frequency of reporting with regard to information covered by Draft ITS on Supervisory Reporting.

Directive 2013/36/EU (CRD) · Art. 104

EBA Final Q&A

Answered 2013-12-20

Treatment of non-grandfathered amount of bonds

Regulation (EU) No 575/2013 (CRR) · Art. 489, 490

EBA Final Q&A

Answered 2013-12-20

Treatment of existing Tier 1 and Tier 2 instruments

Regulation (EU) No 575/2013 (CRR) · Art. 63, 490

EBA Final Q&A

Answered 2013-12-13

Determination of the appropriate currency to be used for calculating the base for grandfathering and phase-out limits

Regulation (EU) No 575/2013 (CRR) · Art. 486

EBA Final Q&A

Answered 2013-12-06

How shall an institute explain a rating decision?

Regulation (EU) No 575/2013 (CRR) · Art. 431

EBA Final Q&A

Answered 2013-12-06

Off-balance sheet items and definition of default

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

EBA Final Q&A

Answered 2013-12-06

Inclusion of year-end profit in Common Equity Tier1 Capital as of the end of first quarter of the following year.

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

EBA Final Q&A

Answered 2013-12-06

Possibility to remove a Tier 1's call options to make the securities Tier 2 compliant

Regulation (EU) No 575/2013 (CRR) · Art. 489, 490

EBA Final Q&A

Answered 2013-12-06

Risk Measurement and Calculation of Global Exposure and Counterparty Risk for UCITS - exchange-traded derivatives and centrally-cleared OTC transactions

Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC

ESMA Answer Published

Answered 2013-12-01

Uncollateralised stock borrowing (unsecured) Transactions

Regulation (EU) No 575/2013 (CRR) · Art. 416, 416, 423, 423

EBA Final Q&A

Answered 2013-11-29

IRB Approach

Regulation (EU) No 575/2013 (CRR) · Art. 153

EBA Final Q&A

Answered 2013-11-29

Definition of ‘retail deposit’

Regulation (EU) No 575/2013 (CRR) · Art. 411

EBA Final Q&A

Answered 2013-11-29

Cash in CIUs and its impact on CIUs being treated as liquid assets

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

EBA Final Q&A

Answered 2013-11-29

Transfer Restrictions

Regulation (EU) No 575/2013 (CRR) · Art. 417

EBA Final Q&A

Answered 2013-11-29

SA - Retail Classification - EUR1 million limit

Regulation (EU) No 575/2013 (CRR) · Art. 112, 123

EBA Final Q&A

Answered 2013-11-29

Grandfathering

Regulation (EU) No 575/2013 (CRR) · Art. 486

EBA Final Q&A

Answered 2013-11-29

Old-style Tier 1 requalifying as CRR Tier 2 capital

Regulation (EU) No 575/2013 (CRR) · Art. 63

EBA Final Q&A

Answered 2013-11-29

Grandfathering, cascading and phasing out limits

Regulation (EU) No 575/2013 (CRR) · Art. 465

EBA Final Q&A

Answered 2013-11-29

Anerkennung der Kapitalrücklage "zugehörig zu" deutschen Vorzugsaktien als Kernkapital - Recognition as Tier 1 equity of share premiums related to German preference shares

Regulation (EU) No 575/2013 (CRR) · Art. 28

EBA Final Q&A

Answered 2013-11-29

Recognised amount as regulatory capital for an Additional Tier 1 with a write-down mechanism

Regulation (EU) No 575/2013 (CRR) · Art. 54

EBA Final Q&A

Answered 2013-11-29

Grandfathering limit

Regulation (EU) No 575/2013 (CRR) · Art. 486

EBA Final Q&A

Answered 2013-11-29

Credit risk approach applicable to exposures to CCPs: standardized approach (SA) or internal rating based approach (IRB)

Regulation (EU) No 575/2013 (CRR) · Art. 107

EBA Final Q&A

Answered 2013-11-22

Prudential Consolidation of Financial Institutions

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

EBA Final Q&A

Answered 2013-11-15

Treatment of commodity indices

Regulation (EU) No 575/2013 (CRR) · Art. 357

EBA Final Q&A

Answered 2013-11-15

Scope of application of Articles 341 to 344 of Regulation (EU) No. 575/2013 (CRR)

Regulation (EU) No 575/2013 (CRR) · Art. 341, 342, 343, 344

EBA Final Q&A

Answered 2013-11-15

Scope of application of Articles 339 and 340 of Regulation (EU) No 575/2013 (CRR)

Regulation (EU) No 575/2013 (CRR) · Art. 339, 340

EBA Final Q&A

Answered 2013-11-15

Scope of calculation of own funds requirements for CVA risk

Regulation (EU) No 575/2013 (CRR) · Art. 382

EBA Final Q&A

Answered 2013-11-15

Information to be declared under the concept of "discretionary pension benefits" in the annex of EBA/GL/2012/5 and in annex 2 of EBA/GL/2012/4

Directive 2013/36/EU (CRD) · Art. 75, 94

EBA Final Q&A

Answered 2013-11-15

Exclusion of provisioned counterparties from the CVA capital charge

Regulation (EU) No 575/2013 (CRR) · Art. 382

EBA Final Q&A

Answered 2013-11-15

Grandfathering on own funds instruments

Regulation (EU) No 575/2013 (CRR) · Art. 489

EBA Final Q&A

Answered 2013-11-15

Grandfathering of Non-Step Tier 1 instruments

Regulation (EU) No 575/2013 (CRR) · Art. 484

EBA Final Q&A

Answered 2013-11-15

First reporting date / reporting period

Regulation (EU) No 575/2013 (CRR) · Art. 415

EBA Final Q&A

Answered 2013-11-15

Treatment of non-step Tier 1 hybrids post grandfathering

Regulation (EU) No 575/2013 (CRR) · Art. 486, 62

EBA Final Q&A

Answered 2013-11-15

Grandfathering of capital instruments

Regulation (EU) No 575/2013 (CRR) · Art. 484, 486

EBA Final Q&A

Answered 2013-11-15

Grandfathering of Tier 1 instruments

Regulation (EU) No 575/2013 (CRR) · Art. 489

EBA Final Q&A

Answered 2013-11-15

Capital charge for credit derivatives in the banking book in the position of protection seller

Regulation (EU) No 575/2013 (CRR) · Art. 273

EBA Final Q&A

Answered 2013-11-08

Operational risk

Regulation (EU) No 575/2013 (CRR) · Art. Art 95

EBA Final Q&A

Answered 2013-11-08

Source: EBA Single Rulebook Q&A, ESMA Q&A, EIOPA Q&A, ESA Joint Q&As. Updated weekly. Q&As are non-binding guidance.

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