- Question ID
-
2024_7186
- Legal act
- Regulation (EU) No 575/2013 (CRR)
- Topic
- Credit risk
- Article
-
122a
- Paragraph
-
3
- Subparagraph
-
(c)(ii)
- COM Delegated or Implementing Acts/RTS/ITS/GLs/Recommendations
- Not applicable
- Article/Paragraph
-
Not applicable
- Type of submitter
-
Credit institution
- Subject matter
-
Can the Article 122a adjustment be combined with the Article 501 SME-adjustment?
- Question
-
The Article 122a paragraph 3 letter c subletter ii CRR says, that if all the criteria are met, there can be a factor of 80 % applied. But it can't be combined with the 75 % adjustment of Artikle 501a. But can it be combined with the adjustment for SMEs due to Article 501?
- Background on the question
-
If it is possible to combine both factors, there would be a final riskweight between 61% an 68% for specialised lending exposures which are also SMEs, which is lower than the 75 % of Article 501a CRR.
- Submission date
- Rejected publishing date
-
- Rationale for rejection
-
This question has been rejected because it is considered that EBA guidance or clarification is not needed with regard to the issue that it raises. This can be the case where it is considered that the existing regulatory framework is sufficiently clear and unambiguous, or where the Q&A may pre-empt policy work currently in progress on Level 2 and 3 measures mandated under the most recent amendments of CRR and CRD.
The Single Rule Book Q&A tool has been established to provide explanations and non-binding interpretations on questions relating to the practical application or implementation of the provisions of legislative acts referred to in Article 1(2) of the EBA’s founding Regulation, as well as associated delegated and implementing acts, and guidelines and recommendations, adopted under these legislative acts.
For further information on the purpose of this tool and on how to submit questions, please see “Additional background and guidance for asking questions”.
- Status
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Rejected question
