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Article 127
Exposures in defaultArticle 110
Treatment of credit risk adjustmentArticle 224
Supervisory volatility adjustment under the Financial Collateral Comprehensive MethodArticle 296
Recognition of contractual netting agreementsArticle 180
Requirements specific to PD estimationArticle 374
Parameters of the internal IRC modelArticle 107
Approaches to credit riskArticle 246
Exposure valueArticle 164
Loss Given Default (LGD)Article 124
Exposures secured by mortgages on immovable propertyArticle 134
Other itemsArticle 150
Conditions for permanent partial useArticle 386
Eligible hedgesArticle 229
Valuation principles for other eligible collateral under the IRB ApproachArticle 285
Exposure value for netting sets subject to a margin agreementCP on GLs on loan origination and monitoring.pdf
Consultation paper on Guidelines on loan origination and monitoring
EBA consults on draft Guidelines on loan origination and monitoring
The European Banking Authority (EBA) launched today a consultation on its draft Guidelines on loan origination and monitoring. Learning from the elevated levels of non-performing exposures (NPEs) across the EU in recent years, the draft guidelines aim to ensure that institutions have robust and prudent standards for credit risk taking, management and monitoring, and that newly originated loans are of high credit quality. The draft Guidelines also aim to ensure that the institutions’ practices are aligned with consumer protection rules and AML requirements. The consultation runs until 30 September 2019.
Guidelines on loan origination and monitoring
The Guidelines specify the internal governance arrangements for granting and monitoring of credit facilities throughout their lifecycle. They introduce requirements for borrowers’ creditworthiness assessment and bring together the EBA’s prudential and consumer protection objectives. The guidelines aim to ensure that institutions have robust and prudent standards for credit risk taking, management and monitoring, and that newly originated loans are of high credit quality. The Guidelines also aim to ensure that the institutions’ practices are aligned with consumer protection rules and AML requirements.