Marginalen Bank

Credit institutions acting as investors on the secondary NPL market have no desire to reduce their NPL ratios. The secondary NPL market is an important tool for “traditional” banks to reduce their NPL ratios, hence having investors on this market should lie in EBA’s interest. Therefore, purchased NPL portfolios should be excluded from these guidelines as well as from the definition of the NPL ratio.
See answer to question 1.
Mattias Moreborg