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 4,397 ESMA 1,523 EIOPA 2,635 Joint Committee 256

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3,197 Q&As matching current filters · page 8 of 64

Recognition of deducted items in calculation of own funds requirements for market risk

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

EBA Final Q&A

Answered 2022-07-15

Deduction of pledged own shares from Common Equity Tier 1 items

Regulation (EU) No 575/2013 (CRR) · Art. 36

EBA Final Q&A

Answered 2022-07-15

Real estate inspection for real estate valuation

Regulation (EU) No 575/2013 (CRR) · Art. 79

EBA Final Q&A

Answered 2022-06-10

Treatment of tax accounts

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

EBA Final Q&A

Answered 2022-04-01

Classification of “Undrawn term loans” under Article 23(1)(b) LCR DA

Regulation (EU) No 575/2013 (CRR) · Art. 412

EBA Final Q&A

Answered 2022-04-01

Fulfilment of conditions reported under Article 45(a) CRR for a synthetic holding held in the banking book and with a maturity less than 1 year

Regulation (EU) No 575/2013 (CRR) · Art. 45

EBA Final Q&A

Answered 2022-04-01

Definition of short position

Regulation (EU) No 575/2013 (CRR) · Art. 45

EBA Final Q&A

Answered 2022-04-01

Transactions in the banking book where no strike is available

Regulation (EU) No 575/2013 (CRR) · Art. 36

EBA Final Q&A

Answered 2022-04-01

Client servicing in the definition of the trading book

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

EBA Final Q&A

Answered 2022-04-01

Estimation of default probability and loss given default under the internal default risk model for a trading book position, where those estimates are not available at trade date under an approved IRB approach

Regulation (EU) No 575/2013 (CRR) · Art. 325bp

EBA Final Q&A

Answered 2022-03-18

Range of application of the LGD regulatory floor for the calculation of own funds requirements at individual and consolidated levels

Regulation (EU) No 575/2013 (CRR) · Art. 164

EBA Final Q&A

Answered 2022-02-18

Gamma correlations regarding curvature risk in low and high scenario

Regulation (EU) No 575/2013 (CRR) · Art. 325h

EBA Final Q&A

Answered 2022-02-11

Calculation of NPV loss in case of (internal) refinancing

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

EBA Final Q&A

Answered 2022-02-11

Applicability of fix amount dividend policy to mutuals, cooperative societies, saving institutions and similar institutions

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

EBA Final Q&A

Answered 2022-02-11

Assignment to grades or pools

Regulation (EU) No 575/2013 (CRR) · Art. 171

EBA Final Q&A

Answered 2022-02-11

Aggregation of separate client exposures for a transaction with underlying credit risk exposure

Regulation (EU) No 575/2013 (CRR) · Art. 390

EBA Final Q&A

Answered 2022-02-11

Simultaneous applicability of non-deduction exemptions under Articles 48 and 49 CRR regarding equity exposures on insurance holdings where an institution has a significant investment

Regulation (EU) No 575/2013 (CRR) · Art. 48

EBA Final Q&A

Answered 2022-02-11

Use of UTP triggers when default definition is on facility level

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

EBA Final Q&A

Answered 2022-02-11

Treatment of Repo and Reverse repo with bilateral early termination option

Regulation (EU) No 575/2013 (CRR) · Art. 428q

EBA Final Q&A

Answered 2022-02-11

Application of Required Stable Funding on the basis of Guarantees Received

Regulation (EU) No 575/2013 (CRR) · Art. Article 428ad

EBA Final Q&A

Answered 2022-02-11

Excess collateral held by credit institution that can be contractually called at any times by the counterparty

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

EBA Final Q&A

Answered 2022-02-11

LCR treatment of maturing securities issued by the reporting credit institution

Regulation (EU) No 575/2013 (CRR) · Art. 460

EBA Final Q&A

Answered 2022-02-11

Original maturity for off-balance sheet items

Regulation (EU) No 575/2013 (CRR) · Art. 111

EBA Final Q&A

Answered 2022-02-11

Callable deposits from financial institutions to be included in LCR with the entire outstanding

Regulation (EU) No 575/2013 (CRR) · Art. 412

EBA Final Q&A

Answered 2022-02-11

Definition of retail deposits which meet conditions from Article 25(2)(d) LCR Amending Act

Regulation (EU) No 575/2013 (CRR) · Art. 421

EBA Final Q&A

Answered 2022-02-11

Pending credit offers

Regulation (EU) No 575/2013 (CRR) · Art. 424

EBA Final Q&A

Answered 2022-02-11

Consolidated supervision

Regulation (EU) No 575/2013 (CRR) · Art. 11

EBA Final Q&A

Answered 2022-02-11

Issues related to para (89) of the EBA/GL/2017/16 with regards to the calibration procedure of the PD models to be conducted “after taking into account any overrides applied in the assignment of obligors to grades or pools”

Regulation (EU) No 575/2013 (CRR) · Art. 160, 163,172

EBA Final Q&A

Answered 2022-02-11

Risk weight attribution to loans guaranteed by third counterparties in NSFR

Regulation (EU) No 575/2013 (CRR) · Art. 428af

EBA Final Q&A

Answered 2022-02-11

Residential Reverse mortgages RWA

Regulation (EU) No 575/2013 (CRR) · Art. 124

EBA Final Q&A

Answered 2022-02-11

Unutilised Limits of Guarantess

Regulation (EU) No 575/2013 (CRR) · Art. 389

EBA Final Q&A

Answered 2022-02-11

Interim profits attributable to minority shareholders

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

EBA Final Q&A

Answered 2022-02-11

Calculation of the number of obligors

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

EBA Final Q&A

Answered 2022-02-11

Eligibility Criteria for Tier 2 Capital in light of the replacement of LIBOR/EURIBOR

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

EBA Final Q&A

Answered 2022-02-11

C34.08 report - define the collaterals considering the both legs of the securities financing transactions (SFTs)

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Reporting of items deducted from T1 in RWA columns in C43 (Breakdown of LR Measure)

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Calculation of past due days

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Template F 12.1a

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Template F 22.02: Assets involved in the services provided

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Reporting of Securitisation Exposures in Template C43.00

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

C_81.00 ASF from capital items and instruments

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Scope of COREP template C34.08 only CCP exposure?

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Application of CRR Article 272(12) to SFT population within CoRep Template C34.02

Regulation (EU) No 575/2013 (CRR) · Art. Article 430

EBA Final Q&A

Answered 2022-02-04

Adjustments to RWA for DTA related to timing differences due to IFRS 9 transitional arrangements in template C5.01.

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Interest expenses categories

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Reporting the income or expense resulting from the recalculation of the carrying amount of the financial asset or financial liability as prescribed by IFRS 9.B5.4.6.

Regulation (EU) No 575/2013 (CRR) · Art. 430

EBA Final Q&A

Answered 2022-02-04

Mandatory substitution approach according to Article 403 CRR when applying either the Financial Collateral Comprehensive Method (FCCM) or, in the case of securities financing transactions (SFTs) the Internal Model Method (IMM) or master netting agreements to calculate the exposure value.

Regulation (EU) No 575/2013 (CRR) · Art. 399, 401, 403

EBA Final Q&A

Answered 2022-01-21

Dealing with leasing (car leasing) in the calculation of the structural liquidity ratio (NSFR)

Regulation (EU) No 575/2013 (CRR) · Art. 428c, 428ah

EBA Final Q&A

Answered 2022-01-21

Treatment of CIUs in internal model for market risk – own funds requirement (add-on)

Regulation (EU) No 575/2013 (CRR) · Art. 364, 350

EBA Final Q&A

Answered 2022-01-21

Liquid asset received as a component of a pool of collateral in securities transaction (reverse repo or collateral swap).

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

EBA Final Q&A

Answered 2022-01-21

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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