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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211 Q&As matching current filters · page 1 of 5

Discretionary pension benefits

Directive 2013/36/EU (CRD) · Art. 94

EBA Final Q&A

Answered 2025-08-01

Application of recognised SyRB on a consolidated basis

Directive 2013/36/EU (CRD) · Art. 133, 134

EBA Final Q&A

Answered 2025-05-23

Row 0820 of C 04.00

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

EBA Final Q&A

Answered 2025-03-28

Validation rules in Reporting Framework 3.4

Directive 2013/36/EU (CRD) · Art. 84

EBA Final Q&A

Answered 2024-12-13

Components included in total gross annual earnings used for the calculation of gender pay gap

Directive 2013/36/EU (CRD) · Art. 75

EBA Final Q&A

Answered 2024-10-25

Share-linked instruments

Directive 2013/36/EU (CRD) · Art. 94

EBA Final Q&A

Answered 2024-03-08

Prospective remuneration plan for variable remuneration

Directive 2013/36/EU (CRD) · Art. 94

EBA Final Q&A

Answered 2024-01-26

Application of the behavioural assumption of a 5-year cap for non-maturity deposits

Directive 2013/36/EU (CRD) · Art. 84

EBA Final Q&A

Answered 2023-11-03

Exposure of the borrower to ESG factors

Directive 2013/36/EU (CRD) · Art. 74

EBA Final Q&A

Answered 2023-04-21

Scope of Article 21a(6) CRD

Directive 2013/36/EU (CRD) · Art. 21a

EBA Final Q&A

Answered 2023-03-03

Money broking

Directive 2013/36/EU (CRD) · Art. Annex I

EBA Final Q&A

Answered 2022-12-22

Consideration of Cloud services as outsourcing arrangements

Directive 2013/36/EU (CRD) · Art. 74

EBA Final Q&A

Answered 2022-11-11

Chief Risk Officer (CRO) Chairman Credit Risk Committee

Directive 2013/36/EU (CRD) · Art. 76

EBA Final Q&A

Answered 2022-04-01

Application of the provisions described in paragraphs 10 to 12 of Article 133 (systemic risk buffer, SyRB)

Directive 2013/36/EU (CRD) · Art. 133

EBA Final Q&A

Answered 2022-03-18

Weighting of EVE gains of domestic currency by a factor of 50% when calculating the aggregate EVE change for each interest rate shock scenario

Directive 2013/36/EU (CRD) · Art. 84

EBA Final Q&A

Answered 2022-02-11

Scope of application of EBA guidelines on loan origination and monitoring

Directive 2013/36/EU (CRD) · Art. 74

EBA Final Q&A

Answered 2022-01-07

Territorial scope of the Guidelines on outsourcing arrangements in relation to supervisory cooperation requirements for credit institutions

Directive 2013/36/EU (CRD) · Art. 74 CRD

EBA Final Q&A

Answered 2021-09-24

NPE calculations of NPE workout options

Directive 2013/36/EU (CRD) · Art. 74

EBA Final Q&A

Answered 2021-04-09

Covered Bond issuance on template F35 Asset Encumbrance

Directive 2013/36/EU (CRD) · Art. 100

EBA Final Q&A

Answered 2021-03-05

Reporting of credit quality step where no rating is present

Directive 2013/36/EU (CRD) · Art. ALMM reporting Annex XXI

EBA Final Q&A

Answered 2021-03-05

Weighted average of the CCF

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2020-11-27

PD-/PD+ for RWA-/RWA+

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2020-11-27

IRRBB Application of the sudden parallel

Directive 2013/36/EU (CRD) · Art. 84

EBA Final Q&A

Answered 2019-11-15

Location of the obligor for the calculation of the countercyclical capital buffer

Directive 2013/36/EU (CRD) · Art. 140

EBA Final Q&A

Answered 2019-10-11

EBA ITS package for 2019 benchmarking exercise (Annex V, section 2, FX instruments)

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-07-26

Supervisory Benchmarking - Alternative risk weight

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-07-26

Annex I Template C101.00 - Sovereigns

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-07-26

Supervisory Benchmarking Exercise, Annex II, C 102, columns 070 and 080 Counterparty types

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-07-26

Calculation of institution-specific countercyclical capital buffer rates

Directive 2013/36/EU (CRD) · Art. 130, 139, 139, 140

EBA Final Q&A

Answered 2019-06-21

FINREP Locom valued debt instruments: Reporting of "Accumulated negative value adjustments on LOCOM assets - credit risk induced"

Directive 2013/36/EU (CRD) · Art. na

EBA Final Q&A

Answered 2019-06-07

Interpretation of the concept of senior management laid down in Article 3(1)(9) of CRD IV

Directive 2013/36/EU (CRD) · Art. 3

EBA Final Q&A

Answered 2019-04-26

Calculation of the number of directorships held (privileged counting of mandates).

Directive 2013/36/EU (CRD) · Art. 91

EBA Final Q&A

Answered 2019-04-12

For swaps should we consider that we have a collateral agreement with the counterparty?

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-03-29

Reporting of exposures whose collateral type is (g) credit derivatives, (h) guarantees or (i) unfunded credit protection

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-03-29

Category on which the covered part of exposures should be reported.

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-03-29

Meaning of current year in validation rule v6167_m

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-03-29

EBA ITS package for 2019 benchmarking exercise (Annex V, credit spread instruments)

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-02-01

Benchmarking - Market risk - Base currency unit

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-02-01

Benchmarking - Market risk - instrument specification

Directive 2013/36/EU (CRD) · Art. 78

EBA Final Q&A

Answered 2019-02-01

Calculation of the ratio between fixed and variable components of the total compensation.

Directive 2013/36/EU (CRD) · Art. 94

EBA Final Q&A

Answered 2019-01-18

Compliance Function and Anti-Money Laundering tasks, Data Protection Officer or FATCA&CRS Responsible Officer, and Fraud Management

Directive 2013/36/EU (CRD) · Art. 74, 88

EBA Final Q&A

Answered 2019-01-18

Deferral of variable remuneration in instruments

Directive 2013/36/EU (CRD) · Art. 94

EBA Final Q&A

Answered 2018-11-23

Retention bonus

Directive 2013/36/EU (CRD) · Art. 94

EBA Final Q&A

Answered 2018-05-25

Credit claims in liquidity stress test buffer

Directive 2013/36/EU (CRD) · Art. 86

EBA Final Q&A

Answered 2018-04-13

O-SII Buffer on individual and consolidated level

Directive 2013/36/EU (CRD) · Art. 131

EBA Final Q&A

Answered 2017-11-17

The question relates to systemic risk buffers and whether they can be additive

Directive 2013/36/EU (CRD) · Art. 134

EBA Final Q&A

Answered 2017-10-13

OSII capital buffer

Directive 2013/36/EU (CRD) · Art. 131

EBA Final Q&A

Answered 2017-09-01

Systemic risk buffer requirement calculation

Directive 2013/36/EU (CRD) · Art. 133

EBA Final Q&A

Answered 2017-06-30

O-SII buffer / Capital conservation buffer application

Directive 2013/36/EU (CRD) · Art. 131, 141a

EBA Final Q&A

Answered 2017-06-16

Calculation of the Countercyclical Capital Buffer

Directive 2013/36/EU (CRD) · Art. 140

EBA Final Q&A

Answered 2017-06-16

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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