Europejski Urząd Nadzoru Bankowego, Raport z badania faktycznego dotyczącego praktyk oceny zdolności kredytowej instytucji pozabankowych

EBA-Rep-2024-17

Report on the fact finding exercise on creditworthiness assessment practices of non-bank lenders

Executive Summary

1. In fulfilment of its statutory task to monitor consumer trends, the European Banking Authority (EBA) publishes a Consumer Trends Report (CTR) on a biennial basis. The last edition of the CTR identified, among other trends, the persistent increase in over-indebtedness and arrears of borrowers across the European Union (EU) to the detriment of consumers, with inadequate creditworthiness assessment (CWA) practices by non-bank lenders (NBLs) emerging as a potential contributory factor in this trend. The EBA therefore carried out an analysis into the CWA practices of NBLs, with a view to assessing whether these might be inadequate and a possible contributing factor in this trend.

2. Through a fact finding exercise with national competent authorities (NCAs) and with a sample of 125 NBLs chosen by NCAs from across the EU, and using the reference period between 2020...