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.

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173 Q&As matching current filters · page 3 of 4

Credit institutions should not consider as outsourcing

Directive 2013/36/EU (CRD) · Art. 74

EBA Rejected question

Submitted 2025-07-30

Discretionary pension benefits

Directive 2013/36/EU (CRD) · Art. 94

EBA Rejected question

Submitted 2025-06-17

Discretionary pension benefits

Directive 2013/36/EU (CRD) · Art. 94

EBA Rejected question

Submitted 2025-06-17

DPM 3.5 - Diversity Benchmarking - v22547_a & v22587_m

Directive 2013/36/EU (CRD) · Art. NA

EBA Rejected question

Submitted 2025-04-30

EBA Remuneration Diversity Benchmarking - R23.00 - Reporting of not applicable (n/a) gender pay gap

Directive 2013/36/EU (CRD) · Art. 41

EBA Rejected question

Submitted 2025-04-10

Calculation of the Countercyclical Capital Buffer

Directive 2013/36/EU (CRD) · Art. 128

EBA Rejected question

Submitted 2025-03-12

Treatment of Net Interest Income Stress Outlier Test (NII SOT) in scenarios where breaches occur due to one-off effects (EBA/RTS/2022/10)

Directive 2013/36/EU (CRD) · Art. 98

EBA Rejected question

Submitted 2025-02-12

Exemption from approval for financial holding companies or mixed financial holding companies as per Directive 2013/36/EU (CRD) Article 21a (4) (d)

Directive 2013/36/EU (CRD) · Art. 21a

EBA Rejected question

Submitted 2025-02-07

Should repricing coupons be included in J06 sheets?

Directive 2013/36/EU (CRD) · Art. Article 1

EBA Rejected question

Submitted 2024-11-08

Clarification of allocation of cash flows from floating rate instruments with amortizing principal for evaluating interest rate risk in the banking book using the standardised methodology

Directive 2013/36/EU (CRD) · Art. 84

EBA Rejected question

Submitted 2024-10-10

Article 161(8) CRD

Directive 2013/36/EU (CRD) · Art. 161(8)

EBA Rejected question

Submitted 2024-06-16

Definition of weighted average maturity (WAM) and weighted average yield (WAY)

Directive 2013/36/EU (CRD) · Art. 84

EBA Rejected question

Submitted 2024-05-27

Collateral Valuation

Directive 2013/36/EU (CRD) · Art. 74

EBA Rejected question

Submitted 2024-04-14

Modelling the risk of migration from NMDs to term deposits in the context of the constant balance sheet assumption in the NII SOT.

Directive 2013/36/EU (CRD) · Art. 98

EBA Rejected question

Submitted 2024-03-07

Clarification on How the Guidelines Impact Vendors Whose Products are Not Deemed as Outsourcing Arrangements

Directive 2013/36/EU (CRD) · Art. EBA Guidelines on Outsourcing Arrangements

EBA Rejected question

Submitted 2024-01-19

Validation rule eba_v09286_m

Directive 2013/36/EU (CRD) · Art. EBA VR Taxo v3.2, Validation rule v09286_m

EBA Rejected question

Submitted 2023-09-29

High Earner data collections under CRD and IFD – Severance awarded during the financial year

Directive 2013/36/EU (CRD) · Art. 94

EBA Rejected question

Submitted 2023-09-14

High Earner data collections under CRD and IFD – Asset Management Business Line

Directive 2013/36/EU (CRD) · Art. 109

EBA Rejected question

Submitted 2023-09-13

Data collection regarding high earners that are staff in investment firms subject to Article 25 and 34 of Directive (EU) 2019/2034 when the investment firms are part of a group subject to prudential consolidation.

Directive 2013/36/EU (CRD) · Art. 75

EBA Rejected question

Submitted 2023-08-24

materiality of Basis Risk

Directive 2013/36/EU (CRD) · Art. Article 21 of EBA/RTS/2022/09 20 Oct 2022

EBA Rejected question

Submitted 2023-08-08

In the CSRBB framework, the use of a different scope for NII and EVE

Directive 2013/36/EU (CRD) · Art. Sections 4.3.3 and 4.3.4.

EBA Rejected question

Submitted 2023-07-11

Clarification on EBA provisions for treatment of Non-Stable and Non-Core NMDs in SOT on NII.

Directive 2013/36/EU (CRD) · Art. Article 98

EBA Rejected question

Submitted 2023-06-25

Definition of ‘turnover’ for the purposes of Country-by-Country reporting

Directive 2013/36/EU (CRD) · Art. 89

EBA Rejected question

Submitted 2023-06-20

Aggregation of P&L for Net Interest Income

Directive 2013/36/EU (CRD) · Art. 98

EBA Rejected question

Submitted 2023-06-05

EBA VR v7872_m; v7873_m; v7874_m; v7875_m; v7876_m; v7877_m

Directive 2013/36/EU (CRD) · Art. EBA VR Taxo v3.2.1, Validation rule v7872_m; EBA VR Taxo v3.2.1, Validation rulev7873_m; EBA VR Taxo v3.2.1, Validation rulev7874_m; EBA VR Taxo v3.2.1, Validation rulev7875_m; EBA VR Taxo v3.2.1, Validation rulev7876_m; EBA VR Taxo v3.2.1, Validation rul

EBA Rejected question

Submitted 2023-05-26

Assessing the level of concentration, measures and indicators

Directive 2013/36/EU (CRD) · Art. 81

EBA Rejected question

Submitted 2023-04-27

Negative Goodwill

Directive 2013/36/EU (CRD) · Art. 80

EBA Rejected question

Submitted 2023-04-03

Perimeter of CSRBB

Directive 2013/36/EU (CRD) · Art. 84

EBA Rejected question

Submitted 2023-02-23

Net interest income measure plus market value changes

Directive 2013/36/EU (CRD) · Art. 84

EBA Rejected question

Submitted 2023-02-23

Net interest income measure plus market value changes

Directive 2013/36/EU (CRD) · Art. 84

EBA Rejected question

Submitted 2023-02-23

Inclusion of products accounted at fair value in the net interest income

Directive 2013/36/EU (CRD) · Art. 84

EBA Rejected question

Submitted 2023-02-23

Net interest income measure plus market value changes

Directive 2013/36/EU (CRD) · Art. 84

EBA Rejected question

Submitted 2023-02-23

Capital buffer applicability and validation rule v8714_m

Directive 2013/36/EU (CRD) · Art. 129

EBA Rejected question

Submitted 2022-11-18

Applicable remuneration policy

Directive 2013/36/EU (CRD) · Art. 92

EBA Rejected question

Submitted 2022-08-17

Independence of the internal control functions

Directive 2013/36/EU (CRD) · Art. 88

EBA Rejected question

Submitted 2022-06-03

Remuneration

Directive 2013/36/EU (CRD) · Art. 92

EBA Rejected question

Submitted 2022-05-23

Floors in calculation of RWA- and RWA --

Directive 2013/36/EU (CRD) · Art. 78

EBA Rejected question

Submitted 2022-04-28

Is the RWA capped at EAD amount for IRBA exposures as suggested by SBP validation check v6210

Directive 2013/36/EU (CRD) · Art. 78

EBA Rejected question

Submitted 2022-04-09

language versions

Directive 2013/36/EU (CRD) · Art. 74

EBA Rejected question

Submitted 2022-01-21

Reporting of specific information concerning template C106.01: “Instrument 23”

Directive 2013/36/EU (CRD) · Art. 78

EBA Rejected question

Submitted 2021-12-10

Treatment of management actions by competent authorities when providing guidance on additional own funds (P2G) within SREP

Directive 2013/36/EU (CRD) · Art. 104b

EBA Rejected question

Submitted 2021-11-14

EBA Guidelines - critical outsourcing - references to BRRD

Directive 2013/36/EU (CRD) · Art. Paragraph 75(o) of EBA guidelines on outsourcing

EBA Rejected question

Submitted 2021-10-18

Custom software development and support outsourcing clarification

Directive 2013/36/EU (CRD) · Art. 97

EBA Rejected question

Submitted 2021-09-09

Intermediate Parent Undertaking

Directive 2013/36/EU (CRD) · Art. 21b

EBA Question under review

Submitted 2021-07-14

Validation Rules v6205_m and v6206 in respect of portfolios with only Unfunded Credit Protection

Directive 2013/36/EU (CRD) · Art. Portfolio_ID C102 C103

EBA Rejected question

Submitted 2021-06-22

To overrule the validation error V6205_m in SBP credit risk report

Directive 2013/36/EU (CRD) · Art. 78

EBA Rejected question

Submitted 2021-04-19

To overrule the validation error V09341_m in SBP credit risk report

Directive 2013/36/EU (CRD) · Art. 78

EBA Rejected question

Submitted 2021-04-19

Validation rule v6210_m, C105.02

Directive 2013/36/EU (CRD) · Art. 154

EBA Rejected question

Submitted 2021-04-09

Supervisory Benchmarking Exercise, Annex VI, C107.01, row 0010, column 0020

Directive 2013/36/EU (CRD) · Art. 78

EBA Rejected question

Submitted 2021-03-23

Composition of the first and second lines of defence

Directive 2013/36/EU (CRD) · Art. 74

EBA Rejected question

Submitted 2021-02-09

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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