BaFin published a question and answer (Q&A) related to capital requirements deduction for credit risk on exposures to small and medium-size enterprises (SMEs). This Q&A, in addition to the two Q&As (2015_2135 and 2015_2268) published by EBA Single Rulebook, focuses on whether the capital requirement deduction (SME factor) should be applied for speculative immovable property financing based on conditions determined in Article 501(2) of Capital Requirements Regulation (CRR: Regulation No 575/2013) are met.
The overall objective of the Q&A tool is to ensure consistent and effective application of the new regulatory framework across the Single Market. Institutions, supervisors, and other stakeholders can use the Single Rulebook Q&A tool for submitting questions on Capital Requirements Directive IV (CRD IV), Capital Requirements Regulation (CRR), and the related technical standards that have been developed by EBA and adopted by the EC.
Keywords: Europe, Germany, Banking, CRR, Q&A, Single Rulebook, Credit Risk, EBA, BaFin
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BCBS amended the guidelines on sound management of risks related to money laundering and financing of terrorism (ML/FT).
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