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EBA-GL Guidelines on payment moratoria_COR_IT.pdf

Orientamenti sulle moratorie legislative e non legislative relative ai pagamenti dei prestiti applicate alla luce della crisi Covid-19 RELAZIONE FINALE SULLE MORATORIE DI PAGAMENTO 2 1. Conformità e obblighi di notifica Status giuridico...trattamento prudenziale delle moratorie legislative e non legislative riguardanti i prestiti introdotte a seguito della pandemia di Covid- 19. Ambito di applicazione 6. I presenti orientamenti riguardano l’applicazione della definizione di default ai sensi dell’articolo...dall’altro non dovrebbe essere unicamente circoscritto ai debitori in difficoltà finanziarie prima dello scoppio della pandemia di Covid-19; (c) la moratoria prevede esclusivamente modifiche al piano dei pagamenti, in particolare sospendendo, posticipando o riducendo

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_LT.pdf

EBA/GL/2020/02 2020 m. balandžio 2 d. Gairės dėl teisės aktų pagrindu ir ne teisės aktų pagrindu atsižvelgiant į COVID-19 krizę taikomų paskolų mokėjimų moratoriumų GALUTINĖ ATASKAITA DĖL MOKĖJIMŲ MORATORIUMŲ 2 1. Atitiktis gairėms...taikymo apimtis ir sąvokų apibrėžtys Dalykas 5. Šiose gairėse išdėstyta teisės aktų ir ne teisės aktų pagrindu atsižvelgiant į COVID-19 pandemiją taikomų paskolų mokėjimo moratoriumų prudencinė tvarka. Taikymo apimtis 6. Šios gairės taikomos įsipareigojimų...taikymo sunkumų, susijusių su mokėjimais, neturėjo, tačiau neturėtų apsiriboti tik įsipareigojančiaisiais asmenimis, kurie iki COVID-19 pandemijos protrūkio turėjo finansinių sunkumų; (c) pagal moratoriumą tėra numatoma pakeisti mokėjimų grafiką, tiksliau

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_LV.pdf

Pamatnostādnes par leģislatīviem un neleģislatīviem moratorijiem attiecībā uz aizdevumu maksājumiem, kas piemēroti, ņemot vērā COVID-19 krīzi GALĪGAIS ZIŅOJUMS PAR MAKSĀJUMU MORATORIJIEM 2 1. Atbilstības nodrošināšanas un ziņošanas pienākumi...pamatnostādnes precizē prudenciālo pieeju leģislatīviem un neleģislatīviem moratorijiem aizdevumu maksājumiem, kas ieviesti, reaģējot uz COVID-19 pandēmiju. Piemērošanas joma 6. Šīs pamatnostādnes attiecas uz saistību neizpildes definīcijas piemērošanu saskaņā ar Regulas...nav bijušas nekādas grūtības ar maksājumu veikšanu, bet nebūtu jāierobežo tikai attiecībā uz tiem parādniekiem, kuriem pirms COVID-19 pandēmijas uzliesmojuma bijušas finansiālas grūtības. (c) moratorijs paredz tikai izmaiņas maksājumu grafikā, proti, apturot

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_MT.pdf

Linji gwida dwar moratorji leġiżlattivi u mhux leġiżlattivi fuq il-ħlasijiet ta’ self applikati fid-dawl tal-kriżi tal-COVID-19 RAPPORT FINALI DWAR IL-MORATORJI FUQ IL-ĦLASIJIET 2 1. Obbligi ta’ konformità u ta’ rapportar Status ta’...prudenzjali ta’ moratorji leġiżlattivi u mhux leġiżlattivi fuq il-ħlasijiet ta’ self introdotti b’reazzjoni għall-pandemija tal-COVID-19. Kamp ta’ applikazzjoni 6. Dawn il-linji gwida japplikaw fir-rigward tal-applikazzjoni tad-definizzjoni ta’ inadempjenza...għandux ikun limitat biss għal dawk id-debituri li esperjenzaw diffikultajiet finanzjarji qabel it-tifqigħa tal-pandemija tal-COVID-19. (c) il-moratorju jipprevedi biss bidliet fl-iskeda tal-ħlasijiet, jiġifieri billi jissospendi, jipposponi jew inaqqas il-ħlasijiet

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_NL.pdf

en niet wettelijk vastgestelde moratoria voor betalingsverplichtingen op leningen die worden toegepast in het licht van de COVID-19-crisis EINDVERSLAG OVER MORATORIA OP BETALINGEN 2 1. Nalevings- en rapportageverplichtingen Status van...en niet wettelijk vastgestelde moratoria voor betalingsverplichtingen op leningen die zijn ingevoerd naar aanleiding van de COVID-19-pandemie. Toepassingsgebied 6. Deze richtsnoeren gelden voor de toepassing van de definitie van wanbetaling overeenkomstig...niet in betalingsmoeilijkheden verkeerden, maar mag zich niet uitsluitend beperken tot debiteuren die vóór de uitbraak van de COVID-19-pandemie in financiële moeilijkheden verkeerden; (c) het moratorium voorziet uitsluitend in wijzigingen in het betalingsschema

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_PL.pdf

Wytyczne dotyczące ustawowych i pozaustawowych moratoriów na spłaty kredytów, stosowanych w obliczu kryzysu spowodowanego przez COVID-19 SPRAWOZDANIE KOŃCOWE W SPRAWIE MORATORIÓW NA SPŁATY 2 1. Obowiązki w zakresie zgodności z przepisami i...określają ostrożnościowe traktowanie ustawowych i pozaustawowych moratoriów na spłaty kredytów wprowadzanych w reakcji na pandemię COVID-19. Zakres stosowania 6. Niniejsze wytyczne obowiązują w odniesieniu do stosowania definicji niewykonania zobowiązania zgodnie...ale nie powinien ograniczać się jedynie do tych dłużników, którzy doświadczali trudności finansowych przed wybuchem pandemii COVID-19; c) moratorium przewiduje jedynie zmiany harmonogramu spłat, a więc zawieszenie, odroczenie lub obniżenie płatności z tytułu

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_PT.pdf

Orientações relativas a moratórias legislativas e não‑legislativas sobre pagamentos de empréstimos aplicadas à luz da crise da COVID-19 RELATÓRIO FINAL SOBRE MORATÓRIAS DE PAGAMENTO 2 1. Obrigações de cumprimento e de notificação Natureza...prudencial das moratórias legislativas e não legislativas sobre pagamentos de empréstimos implementadas em resposta à pandemia COVID-19. Âmbito de aplicação 6. As presentes orientações são aplicáveis em relação à definição de incumprimento nos termos do...moratória, mas não deve visar apenas devedores que se tenham deparado com dificuldades financeiras antes do surto da pandemia COVID-19; (c) A moratória preveja apenas alterações dos planos de pagamento, nomeadamente através de suspensão, adiamento ou redução

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_SK.pdf

legislatívnych a nelegislatívnych moratóriách na splácanie úverov uplatňovaných v súvislosti s krízou spôsobenou ochorením COVID-19 ZÁVEREČNÁ SPRÁVA O PLATOBNÝCH MORATÓRIÁCH 2 1. Povinnosti týkajúce sa dodržiavania súladu s predpismi a...zaobchádzanie s legislatívnymi a nelegislatívnymi moratóriami na splácanie úverov, ktoré sa zaviedli v reakcii na pandémiu ochorenia COVID-19. Rozsah pôsobnosti 6. Tieto usmernenia sa uplatňujú v súvislosti s uplatňovaním vymedzenia pojmu zlyhania v súlade s článkom...problémy, nemal by sa však obmedziť iba na tých dlžníkov, ktorí zažili finančné ťažkosti pred vypuknutím pandémie ochorenia COVID-19; (c) v moratóriu sa predpokladajú iba zmeny v splátkovom kalendári, konkrétne pozastavenie, odloženie alebo zníženie splátok

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_SL.pdf

2. april 2020 Smernice o zakonskih in zasebnih moratorijih na odplačevanje posojil, uporabljenih zaradi pandemije COVID-19 KONČNO POROČILO O MORATORIJIH NA PLAČILA 2 1. Obveznosti glede skladnosti in poročanja Vloga teh smernic...smernice opredeljujejo bonitetno obravnavo zakonskih in zasebnih moratorijev na odplačevanje posojil, uporabljenih zaradi pandemije COVID-19. Področje uporabe 6. Te smernice se nanašajo na uporabo opredelitve neplačila v skladu s členom 178 Uredbe (EU) št. 575/2013...nobenih težav z odplačevanjem, ne sme pa se omejiti le na tiste dolžnike, ki so imeli finančne težave že pred izbruhom pandemije COVID-19; (c) moratorij predvideva le spremembe načrta plačil, in sicer tako, da se plačila glavnic, obresti ali celotnih obrokov

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA-GL Guidelines on payment moratoria_COR_SV.pdf

2020 Riktlinjer om lagstadgade och icke lagstadgade moratorier för lånebetalningar som tillämpas mot bakgrund av covid-19- krisen SLUTRAPPORT OM BETALNINGSMORATORIER 2 1. Efterlevnads- och rapporteringsskyldigheter Riktlinjernas...specificeras den tillsynsbehandling av lagstadgade och icke lagstadgade moratorier för lånebetalningar som införts som svar på covid-19-pandemin. Tillämpningsområde 6. Dessa riktlinjer gäller tillämpningen av definitionen av fallissemang i enlighet med artikel...tillämpningen av moratoriet, men det bör inte begränsas till endast de gäldenärer som drabbades av ekonomiska svårigheter före covid-19-pandemin. (c) Moratoriet avser endast ändringar av betalningsplanen, nämligen genom att tillfälligt avbryta, skjuta upp

Publication date: 25/06/2020 (Last update: 25/06/2020)

EBA Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis – Consolidated version updated on 25 June 2020

Final report Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis Application date O 02.04.2020 Amended by: A1 EBA/GL/2020/08 25.06.2020 FINAL...Background and rationale 5 FINAL REPORT ON PAYMENT MORATORIA 3 1. Executive summary The outbreak of the COVID-19 pandemic and the response measures that have been adopted in many countries across the globe and in the European Union (EU)...In these circumstances, in order to minimise the medium- and long-term economic impacts of the efforts taken to contain the COVID-19 pandemic, Member States have implemented a broad range of support measures. These measures include, in many instances, some...EBA Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis – Consolidated version updated on 25 June 2020

Publication date: 16/04/2020 (Last update: 25/06/2020)

Final draft ITS on public disclosures by institutions under Part Eight of Regulation (EU) No 5752013

REGULATION (EU) NO 575/2013] 66 facilitating bank lending to support the economy and help mitigate the economic impact of Covid- 19. The package has two impacts on the leverage ratio rules:  Amendment of the mechanism to offset exempted central bank exposures

Publication date: 24/06/2020 (Last update: 24/06/2020)

EBA peer review report of DGS stress tests and resilience of DGSs

improved  to  enhance  comparability  for  future  peer  reviews  and  thus  strengthen  the  framework.  In  relation  to  the COVID‐19 pandemic,  the  report  includes an early  indication of how  to  improve  the  framework by  exploring how  to  incentivise DGSs ... stress testing in general (category 2)’.  Box 1: Lessons learnt from the Anglo Austrian AAB Bank AG payout case during the COVID‐19 pandemic  With  effect  from  7 February  2020,  the  European  Central  Bank  (ECB) withdrew  the  licence  of  Anglo  ...‘ESA’) started reimbursing depositors of the bank on 6 March 2020. At that moment, there were already  some confirmed cases of COVID‐19 in Austria, but the World Health Organization had not yet declared  the  spreading virus a pandemic and  the Austrian aut

Publication date: 17/06/2020 (Last update: 17/06/2020)

2020 06 15 PMR -2020 Jose Manuel Campa.pdf

met Subject(s) covered Hospitality Expenses 02/06/2020 Speaking at FELABAN HL Conference The European reaction to the COVID-19 and priorities for a new age Not Applicable (N/A) Not Applicable (N/A) 03/06/2020 Speaking at virtual meeting with...Hospitality Expenses 12/06/2020 Speaking at Goldman Sachs European Financials Conference EU banks: Short-term impacts from COVID, long- term outlook (N/A) (N/A)

Publication date: 17/06/2020 (Last update: 17/06/2020)

EBA Annual Report 2019.pdf

consistent manner in Europe. I am confident that the entry into effect (recent- ly postponed by a year because of the current COVID-19 pandemic) and the long transition period for its full implementation will provide enough time for the orderly implementation...supervise banks in normal and exceptional circumstances. The start of 2020 has brought new and impor- tant challenges. The ongoing COVID-19 pan- demic has tested economic resilience across the world. Fortunately, the European banking sector has been able to proactively...facilitate the interpretation of the methodology, and the publication of the macrofinancial sce- nario. However, the outbreak of COVID-19 and its global spread since February have created significant immediate challenges for society and risks for the economic

Publication date: 11/06/2020 (Last update: 16/06/2020)

EBA Statement on the application of the prudential framework on targeted aspects in the area of market risk in the COVID-19

AREA OF MARKET RISK IN THE COVID-19 OUTBREAK 1 22 April 2020 Statement on the application of the prudential framework on targeted aspects in the area of market risk in the COVID-19 outbreak In response to the global COVID-19 pandemic, the EBA has issued...functioning of the prudential framework. This statement complements the existing guidance provided by the EBA in response to the COVID-19 outbreak by clarifying a number of aspects of the prudential framework in the area of market risk and proposing amendments...instruments. Delegated Regulation (EU) No 101/2016 specifies how AVAs should be calculated for this purpose. The expansion of the COVID-19 pandemic in the Union and across the globe has triggered levels of extreme volatility throughout financial markets affecting...EBA Statement on the application of the prudential framework on targeted aspects in the area of market risk in the COVID-19

Publication date: 22/04/2020 (Last update: 10/06/2020)

EBA CP 2020 11 (Draft CP on the RTS on prudential treatment of software assets)_2.pdf

treatment  ,  in order  to  further  support EU institutions, especially in  the context of the current circumstances around the COVID19  crisis .  Publication of responses  Please clearly indicate in the consultation form if you wish your comments to be disclosed or to be 

Publication date: 09/06/2020 (Last update: 09/06/2020)

Final Minutes - BoS conf call 28 April 2020.pdf

supervisory actions in the ongoing Covid-19 pandemic under Article 18(1) of the EBA Regulation, including four BoS conference calls that took place since the last BoS meeting and during which the BoS discussed and approved several Covid-19 related statements. In...stressing that given the current Covid-19 crisis, the item focused on the main risks affecting the banking sector and that the EBA staff, as a background document, prepared also an overview of policy measures taken in response to Covid-19. He also referred to...measures as well as their possible impact on new lending. The note would be further developed and included in the thematic note on COVID-19, which the EBA was preparing for publication. 11. The EBA Head of Risk Analysis and Stress Testing Unit (RAST) briefly

Publication date: 09/06/2020 (Last update: 09/06/2020)

EU-wide_transparency_exercise-Public_FAQ.pdf

in 2020? The Spring 2020 EU-wide transparency exercise comes as an exceptional disclosure in response to the outbreak of COVID-19. After postponing the EU-wide Stress Test to 2021, in order to allow banks to focus on and ensure continuity of their core...impact from Covid-19? The data included in the Spring 2020 exercise can serve a benchmark on the condition of the banking sector before the pandemic crisis and as a starting point for the analysis of the crisis impact. The direct impact from Covid-19 on the

Publication date: 08/06/2020 (Last update: 08/06/2020)

CSV_guide_Transparency_2020.pdf

AND MANAGING DATA 1 EBA Spring 2020 EU-wide transparency exercise dataset Data user guide Due to the outbreak of Covid-19 (Coronavirus) and its global spread and the postponement to 2021 of the EU-wide stress test exercise, the EBA decided to

Publication date: 08/06/2020 (Last update: 08/06/2020)