EU Financial Regulatory Q&A Database

Services offered by means of ATM by providers

Directive 2015/2366/EU (PSD2) · Art. 3

Aggregation of curves in the case of real interest rate curves (linked to inflation)

Directive 2013/36/EU (CRD) · Art. 98

Risk weight of EU unrated central bank whose exposures are guaranteed by its EU government which is rated CQS1

Regulation (EU) No 575/2013 (CRR) · Art. 114

RWA calculation and the applicable amount of insufficient coverage for non-performing exposures deducted from CET1 items

Regulation (EU) No 575/2013 (CRR) · Art. 151

Provisions relating to securitised assets which have been derecognised for accounting.

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

Notification to Competent Authority for the use of the adjustment referred to in Article 500 (1) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 500

Use of short-term issuer credit assessments with Article 131

Regulation (EU) No 575/2013 (CRR) · Art. 131

Prudential backstop (Regulation 2019/630) and interaction with RWA calculation

Regulation (EU) No 575/2013 (CRR) · Art. 151

Seller rating criteria for use of substitution framework in case of dilution risk

Regulation (EU) No 575/2013 (CRR) · Art. 160

IFRS 9 transitional arrangements – calculation of the static component in case of afterwards permission for the IRB approach

Regulation (EU) No 575/2013 (CRR) · Art. 473a

Classification of credit insurance undertakings as financial institution

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

Inclusion (or not) of a particular "timing loss" in the C 16.00 and C 17.00 template

Regulation (EU) No 575/2013 (CRR) · Art. 324

Safeguarding requirements

Directive 2015/2366/EU (PSD2) · Art. 10

Interpretation of payment instrument

Directive 2015/2366/EU (PSD2) · Art. 4

Application of Articles 473a(3) and 473a(4) CRR (Practical application of Article 473a to exposures for which the approach to calculate RWAs changes after the day of initial application of IFRS 9

Regulation (EU) No 575/2013 (CRR) · Art. 473a

Appropriate Risk Weight for purchased defaulted assets

Regulation (EU) No 575/2013 (CRR) · Art. 127

Calculation of the amount of holdings of own Common Equity Tier 1 instruments on the basis of the net long position

Regulation (EU) No 575/2013 (CRR) · Art. 42

Interaction between total MREL and subordinated “eight percent TLOF” requirement

Directive 2014/59/EU (BRRD) · Art. 45b

Calculation of the amount of holdings of own Common Equity Tier 1 instruments on the basis of the net long position

Regulation (EU) No 575/2013 (CRR) · Art. 42

Own funds instruments passed on to employees of the institution as part of their remuneration

Regulation (EU) No 575/2013 (CRR) · Art. 77,78

Large exposures regime for exposures treated as the exposures to institutions in accordance with Article 119(5) of CRR

Regulation (EU) No 575/2013 (CRR) · Art. 395

USA public sector entities risk weight

Regulation (EU) No 575/2013 (CRR) · Art. 116

Estimation of Credit Conversion Factor in case of exposure values decreasing before default event

Regulation (EU) No 575/2013 (CRR) · Art. 182

Roles that can be assigned to electronic money institutions in certificates

Directive 2015/2366/EU (PSD2) · Art. 11

Interplay between subordination and calibration for MREL

Directive 2014/59/EU (BRRD) · Art. 45c

Reference to provisions governing the access to extraordinary financing in MREL calibration

Directive 2014/59/EU (BRRD) · Art. 45c

Treatment of intragroup liabilities when one of the institutions is established in a country being a member of EEA and EFTA (i.e. non-EU Member State but EEA Member State), which has implemented Directive 2014/59/UE, but entry into force of the Decision of the EEA Joint Committee (‘JCD’) No 21/2018 of 9 February 2018 is pending and the draft JCD incorporating Delegated Regulation (EU) 2015/63 is under consideration by the EU (EEAS) and the EFTA States (Iceland, Liechtenstein and Norway)

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

Granularity required for reference data required

Directive 2013/36/EU (CRD) · Art. 78

Calculation of supervisory delta and adjusted notional for digital options

Regulation (EU) No 575/2013 (CRR) · Art. 279b

Recognised items for minimum loss coverage for non-performing exposures (Pillar 1 backstop)

Regulation (EU) No 575/2013 (CRR) · Art. 47c

Definition of Rating and Date of most recent rating of counterparty

Directive 2013/36/EU (CRD) · Art. 78

Minimum loss coverage of non-performing exposures under Article 469a, subparagraph 2 CRR

Regulation (EU) No 575/2013 (CRR) · Art. 469a

Interpretation of the term "all observed defaults" in Article 500 of Regulation (EU) No 575/2013 as amended

Regulation (EU) No 575/2013 (CRR) · Art. 500

The amount of a card payment transaction authorised online in HRK

Directive 2015/2366/EU (PSD2) · Art. 64,52

Interaction of voluntary capital deduction (CRR art 3) with required coverage of non-performing exposures (art 47c), exposure value for credit risk (art 111) and treatment of expected loss amounts (art 159)

Regulation (EU) No 575/2013 (CRR) · Art. 3, 47c, 111. 159

Treatment of open repos for leverage ratio exposure measure

Regulation (EU) No 575/2013 (CRR) · Art. 1

Definition of private equity exposures in articles 155(2) and 155(3)

Regulation (EU) No 575/2013 (CRR) · Art. 155

Scoping and content for template 6 of the EBA GL Disclosure of NPE/FBE

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

Clarification about the definition of default for retail exposures

Regulation (EU) No 575/2013 (CRR) · Art. Article 123 and 178

Requirement for credit institutions and electronic money institutions wishing to offer PIS and AIS to take out professional indemnity insurance or a comparable guarantee / Obbligo di dotarsi di un'assicurazione per la responsabilità civile o analoga garanzia, per gli Enti creditizi o Istituti di moneta elettronica che vogliono offrire i servizi di PIS e AIS

Directive 2015/2366/EU (PSD2) · Art. 5

Recognition criteria for off-balance sheet items for exposure value calculation

Regulation (EU) No 575/2013 (CRR) · Art. 24

Method to calculate RWAs in relation to a securitisation position where the underlying pool comprises specialized lending exposures

Regulation (EU) No 575/2013 (CRR) · Art. 254, 255

Primary Key combination provided in Annex II guidelines seems incorrect or incomplete for Template Z. 10.02

Directive 2014/59/EU (BRRD) · Art. Annex II

Partial Waiver of Article 6(1) CRR according to Article 7(3) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 7

Scope of Prudential consolidation

Regulation (EU) No 575/2013 (CRR) · Art. 22

Moment of deduction for cooperative shares

Regulation (EU) No 575/2013 (CRR) · Art. 77

Prudential consolidation: definition of "undertaking" and "dominant influence"

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

Incorrect validation rules

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

Interpretation of the words ‘preceding year’ in Method B under Article 9(1) of the PSD2

Directive 2015/2366/EU (PSD2) · Art. 9

Place in the sequence of write down for an istrument that does not qualify as part of own funds

Directive 2014/59/EU (BRRD) · Art. 48