Europejski Urząd Nadzoru Bankowego, Opinia w sprawie elementów definicji instytucji kredytowej, o których mowa w art. 4 ust. 1 pkt 1 lit. a) rozporządzenia (UE) nr 575/2013 oraz w sprawie aspektów zakresu zezwolenia

EBA/OP/2020/15

18 September 2020

Opinion of the European Banking Authority on elements of the definition of credit institution under Article 4(1), point 1, letter (a) of Regulation (EU) No 575/2013 and on aspects of the scope of the authorisation

1. Introduction and legal basis

In the context of the development of guidelines specifying a common assessment methodology for granting authorisations to credit institutions, under Article 8(5) of Directive 2013/36/EU as amended by Directive EU 2019/878 (Capital Requirements Directive – CRD), divergent interpretations of the notion of credit institution have again emerged across the European Union (EU).These varied interpretations, which depend on national implementations, as well as a lack of clarity and potential inconsistencies in the relevant provisions of Regulation(EU) No 575/2013 (Capital Requirements Regulation – CRR) and of the CRD, affect the uniform application of EU law and the convergence of supervisory practices. The European Banking...