EBA Recommendation

8/3/2019 EBA Recommendation

1/22

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BMN M[ =6>> >5;

BMN ]bklaabhint`lh lh tcb krbnt`lh nhisupbrv`slry lvbrs`ect lj tbaplrnry knp`tno

mujjbrs tl rbstlrb anrgbt klhj`ibhkb

(BMN/]BK/=6>>/>)

Olhilh, 3 Ibkbambr =6>>


2/22


3/22

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@. BMN ]bklaabhint`lh lh tcb krbnt`lh nhisupbrv`slry lvbrsèct lj tbaplrnry knp`tno mujjbrstl rbstlrb anrgbt klhjìbhkb

[tntus lj tcb ]bklaabhint`lh

>. Yc`s ilkuabht klhtn`hs n ]bklaabhint`lh `ssubi lh tcb klam`hbi obenomnsbs lj Nrt`kob >:(>), Nrt`kob =>(=)(m) nhi Nrt`kob ;> lj ]beuont`lh (BR) Hl>60;/=6>6 lj tcb Burlpbnh Vnro`nabht nhi lj tcb Kluhkò lj =9 Hlvbambr=6>6 bstnmo`sc`he n Burlpbnh [upbrv`slry Nutclr`ty (Burlpbnh Mnhg`heNutclr`ty), nabhi`he Ibk`s`lh Hl 5>:/=660/BK nhi rbpbno`he Klaa`ss`lh

Ibk`s`lh =660/53/BK ( BMN ]beuont`lh ). @h nkklrinhkb w`tc Nrt`kob >:(;) ljtcb BMN ]beuont`lh, klapbtbht nutclr`t`bs aust angb bvbry bjjlrt tlklapoy w`tc tcb ]bklaabhint`lh.

=. Ycb ]bklaabhint`lh `hkouibs tcb BMN s v`bw lj npprlpr`ntb supbrv`slryprnkt`kb w`tc`h tcb Burlpbnh [ystba lj J`hnhk`no [upbrv`s`lh nhi lj clwRh`lh onw scluoi mb nppo`bi `h n pnrt`kuonr nrbn. Ycb BMN tcbrbjlrb bxpbktsnoo klapbtbht nutclr`t`bs tl wcla tcb rbklaabhint`lh nppo`bs tl klapoyw`tc `t. Klapbtbht nutclr`t`bs tl wcla tcb rbklaabhint`lh nppo`bs scluoiklapoy my `hklrplrnt`he `t `htl tcb`r supbrv`slry rbqu`rbabhts nhi prnkt`kbs

`h o`hb w`tc tcb BMNs lhel`he kllri`hnt`lh lj tcb knp`tno`snt`lh bxbrk`sb.]bplrt`he ]bqu`rbabhts

;. Klapbtbht nutclr`t`bs aust hlt`jy BMN wcbtcbr tcby klapoy lr `htbhi tlklapoy w`tc tc`s ]bklaabhint`lh, lr, w`tc rbnslhs jlr hlh-klapo`nhkb, my3 Jbmrunry =6>=>. Hlt`j`knt`lhs scluoi mb sbht my suma`tt`he tcb jlraprlvìbi `h [bkt`lh @@ lj tcb prbsbht ilkuabht tlklapo`nhkbFbmn.burlpn.bu . Hlt`j`knt`lhs scluoi mb suma`ttbi my pbrslhsnutclr`sbi tl hlt`jy BMN lh mbcnoj lj tcb`r klapbtbht nutclr`t`bs.

9. Ycb hlt`j`knt`lh lj klapbtbht nutclr`t`bs abht`lhbi `h tcb prbv`luspnrnernpc scnoo mb pumo`scbi lh tcb BMN wbms`tb, pursunht tl Nrt`kob >:(;)lj tcb BMN ]beuont`lh.

>

Yc`s = alhtc pbr`li jlr klapoy lr bxpon`h hlt`j`knt`lh `s sbt lu t nt Nrt`kob >:(;) lj tcb BMN ]beuont`lh.Clwbvbr, e`vbh tcb ibnio`hb lj =6 Dnhunry =6>= klhtn`hbi h tc`s ]bklaabhint`lh my wc`kc j`ras aust suma`ttcb`r knp`tno ponhs, klapbtbht nutclr`t`bs nrb bhklurnebi tl hlt`jy nhy hlh-klapo`nhkb sllhbr j plss`mob.
mailto:[email protected]:[email protected]:[email protected]


4/22

9

]BKLAABHINY@LH LJ YCB BR]LVBNH MNHG@HE NRYCL]@YP

lj 3 Ibkbambr =6>>

lh tcb krbnt`lh nhi supbrv`slry lvbrsèct lj tbaplrnryknp`tno mujjbrs tl rbstlrb anrgbt klhjìbhkb

YCB MLN]I LJ [RVB]Z@[L][ LJ YCB BR]LVBNH MNHG@HE NRYCL]@YP,

Cnv`he rbenri tl ]beuont`lh (BR) Hl >60;/=6>6 lj tcb Burlpbnh Vnro`nabht nhilj tcb Kluhkò lj =9 Hlvbambr =6>6 bstnmo`sc`he n Burlpbnh [upbrv`slryNutclr`ty (Burlpbnh Mnhg`he Nutclr`ty), nabhi`he Ibk`s`lh Hl 5>:/=660/BK nhirbpbno`he Klaa`ss`lh Ibk`s`lh =660/53/BK, nhi `h pnrt`kuonr Nrt`kob >:(>),Nrt`kob =>(=)(m) nhi Nrt`kob ;> tcbrblj,

Cnv`he rbenri tl Ibk`s`lh BMN IK 66> lj tcb Burlpbnh Mnhg`he Nutclr`ty( BMN) lj >= Dnhunry =6>> nilpt`he tcb ]uobs lj Vrlkbiurb l j tcb BMN Mlnri lj[upbrv`slrs, nhi `h pnrt`kuonr Nrt`kob ;(2) nhi Nrt`kob >9(=) tcbrblj,

Ucbrbns4

(>) Ycb BMNs Mlnri lj [upbrv`slrs cns nerbbi tcnt bxkbpt`lhno

abnsurbs tl rbstlrb klhjìbhkb `h tcb mnhg`he sbktlr nrb urebhtoyhbbibi tl bhcnhkb tcb quno`ty n hi qunht`ty lj mnhgs knp`tno tlw`tcstnhi sclkgs nhi tl niirbss systba`k r`sg.

(=) Lh => [bptbambr =6>> tcb Burlpbnh [ystba`k ]`sg Mlnri wnrhbitcnt slvbrbèh r`sgs nhi juhi`he vuohbrnmò`t`bs w`tc`h tcb BRmnhg`he sbktlr tcrbntbh j`hnhk`no stnmò`ty `h tcb BR ns n wclob nhiurebi supbrv`slrs tl kllri`hntb bjjlrts tl strbhetcbh mnhg knp`tno,tng`he `htl nkkluht tcb hbbi jlr trnhspnrbht nhi klhs`stbhtvnount`lh lj slvbrbèh bxplsurbs.

(;) Lh =: Lktlmbr =6>> Abambrs lj tcb Burlpbnh Kluhkò rbnkcbinerbbabht lh mnhg rbknp`tno`snt`lh nhi juhi`he. Nhhbx = lj tcbBurl [uaa`t [tntbabht lj =: Lktlmbr =6>> sbts lut tcb klhsbhsuslh tcb sl-knoobi mnhg`he pnkgneb .

(9) Ycnt klhsbhsus nkghlwobiebs tcb hbbi jlr abnsurbs tl bhcnhkbtcb quno`ty nhi qunht`ty lj knp`tno lj mnhgs tl w`tcstnhi sclkgs nhitl ibalhstrntb tc`s bhcnhkbabht `h n rbo`nmob nhi cnralh`sbi wny.

(2) Ycb krbnt`lh lj n tbaplrnry knp`tno mujjbr `h tcb jlra lj n knp`tnotnrebt tl mb nttn`hbi my ;6 Duhb =6>= `s hbkbss`tntbi nhi dust`j`bi

my tcb bxkbpt`lhno k`rkuastnhkbs hlw prbvnò`he, `h pnrt`kuonr tcbbxtrnlri`hnry prbssurb lh slab burl nrbn slvbrbèhs nhi tcb


5/22

2

rbontbi àpnkt lh tcb klst nhi nvnònmò`ty lj mnhg juhi`he. Nskllri`hntbi BR nkt`lh mbklabs bjjbkt`vb `h ir`v`he slvbrbèh mlhivnount`lhs nwny jrla tlinys i`strbssbi pr`kbs, tcb BMN wòorbklhsìbr tcb lhel`he hbbi jlr nhi s`zb lj knp`tno mujjbrs nen`hstslvbrbèh bxplsurbs.

(:) Hnt`lhno supbrv`slry nutclr`t`bs, uhibr tcb nusp`kbs lj tcb BMN,aust bhsurb tcnt mnhgs ponhs tl strbhetcbh knp`tno obni tl nhnpprlpr`ntb `hkrbnsb lj lwh juhis nhi tcnt tcb knp`tno tnrebtrbjbrrbi tl `h tc`s ]bklaabhint`lh `s hlt nkc`bvbi tcrluecbxkbss`vb ibobvbrne`he, i`srupt`he obhi`he `htl tcb rbno bklhlaynhi kleh`snht lj tcb mrlnibr klhtbxt, `hkoui`he nvnònmò`ty lj mnhgjuhi`he.

(5) Mnhgs scluoi j`rst usb pr`vntb slurkbs lj juhi`he tl strbhetcbh tcb`rknp`tno pls`t`lh tl abbt tcb rbqu`rbi tnrebt, `hkoui`he rbtn`hbi

bnrh`hes, rbiukbi mlhus pnyabhts, hbw `ssunhkbs lj klaalhbqu`ty nhi su`tnmoy strlhe klht`hebht knp`tno, nhi ltcbr o`nmò`tyanhnebabht abnsurbs. Hnt`lhno supbrv`slry nutclr`t`bs any,jloolw`he klhsuotnt`lh w`tc tcb BMN, nerbb tl tcb pnrt`nonkc`bvbabht lj tcb tnrebt my tcb snobs lj sbobktbi nssbts tcnt ilhlt obni tl n rbiukbi jolw lj obhi`he tl tcb BRs rbno bklhlay mutsàpoy tl n trnhsjbr lj klhtrnkts lr mus`hbss uh`ts tl n tc`ri pnrty.]biukt`lhs `h r`sg wbèctbi nssbts iub tl tcb vnoìnt`lh nhi rloo-lutlj npprlpr`ntb `htbrhno alibos tl nii`t`lhno plrtjlo`ls scluoi hlt, `hebhbrno, mb noolwbi ns n abnhs lj niirbss`he n knp`tno sclrtjnoouhobss tcbsb kcnhebs nrb norbniy ponhhbi nhi uhibr klhsìbrnt lhmy tcb klapbtbht nutclr`ty.

(3) Nhhbx @@ tl tc`s ]bklaabhint`lh sbts lut tcb BMNs kllri`hntbiabtcliloley jlr ìbht`jy`he knp`tno sclrtjnoos nkklri`he tl tcb hbwknp`tno tnrebt.

(0) Nhhbx @@@ tl tc`s ]bklaabhint`lh sbts lut tcb BMNs klaalhtbrascbbt jlr n plss`mob klhvbrt`mob `hstruabht jlr `hkous`lh w`tc`htcb tbaplrnry mujjbr.

(>6) Yc`s ]bklaabhint`lh scnoo mb pumo`scbi lh tcb BMNs wbms`tb ,

CN[ NILVYBI YC@[ ]BKLAABHINY@LH4

>. Ycb klapbtbht nutclr`t`bs o`stbi `h Nhhbx @ ( tcb klapbtbht nutclr`t`bs) ,ns tcb hnt`lhno clab stntb nutclr`t`bs w`tc obni rbsplhs`mò`ty jlrsupbrv`s`he tcb krbi`t `hst`tut`lhs o`stbi w`tc`h Nhhbx @@( tcb krbi`t`hst`tut`lhs) , nrb rbklaabhibi tl bhsurb tcnt tcb krbi`t `hst`tut`lhsnttn`h, my ;6 Duhb =6>=, nhi an`htn`h uhtò sukc tàb ns tc`s]bklaabhint`lh cns mbbh nabhibi, rbpbnobi lr knhkboobi, tcbtbaplrnry knp`tno mujjbr lj Klrb Y`br > rbjbrrbi tl `h pnrnernpc = `h tcb`rrbv`bw, bvnount`lh nhi ibtbra`hnt`lh lj wcbtcbr tcb lwh juhis cboi mytcb krbi`t `hst`tut`lhs bhsurb n sluhi anhnebabht nhi klvbrneb lj tcb`rr`sgs.


6/22

:

=. Yl tc`s bhi tcb klapbtbht nutclr`t`bs nrb rbklaabhibi tl bhsurb tcnt tcbkrbi`t `hst`tut`lhs muòi n tbaplrnry knp`tno mujjbr tl rbnkc n 0% Klrb Y`br> rnt`l my ;6 Duhb =6>=, njtbr tcb rbalvno lj tcb pruibht`no jòtbrs lh tcbslvbrbèh nssbts `h tcb nvnònmob-jlr-snob plrtjlo`l nhi tcb klhsbrvnt`vb

vnount`lh lj slvbrbèh ibmt bxplsurbs `h tcb cboi-tl-antur`ty nhi olnhsnhi rbkb`vnmobs plrtjlo`ls, rbjobkt`he anrgbt pr`kbs ns lj ;6 [bptbambr=6>>. Ycb mujjbr scluoi mb krbntbi `h nkklrinhkb w`tc tcb BMNsibj`h`t`lhs nhi kllri`hntbi abtclilole`bs bonmlrntbi `h Nhhbxbs @@ nhi @@@nhi `s w`tclut prbdui`kb tl bx`st`he rbeuontlry trbntabhts.

;. Ycb klapbtbht nutclr`t`bs nrb jurtcbr rbklaabhibi tl4

n) rbqu`rb tcb krbi`t `hst`tut`lhs wc`kc nrb ìbht`j`bi lh tcb mns`s lj ;6[bptbambr =6>> jèurbs ns cnv`he n knp`tno sclrtjnoo `h nkklrinhkb

w`tc tcb BMNs abtcliloley tl suma`t tl tcba tcb`r knp`tno ponhs tlrbnkc tcb 0% Klrb Y`br > rnt`l my =6 Dnhunry =6>=7

m) ibjbr tcb`r nerbbabht tl tcbsb knp`tno ponhs uhtò tcby cnvb mbbhrbv`bwbi, scnrbi nhi klhsuotbi lh w tc tcb BMN nhi w`tc ltcbrrbobvnht klapbtbht nutclr`t`bs w`tc`h kloobebs lj supbrv`slrs nsnpprlpr`ntb , nhi sbbg tl bhsurb tcnt tcrlueclut tcb kloobebsi`skuss`lhs lj knp`tno ponhs tcb hbbi tl an`htn`h bxplsurb obvbos ljmnhg`he erlups `h noo Abambr [tntbs `s tngbh `htl nkkluht, rbknoo`hetcnt `j nhi wcbrb hbkbssnry tcb BMN wòo usb `ts abi`nt`lh rlob tl tcntbjjbkt7

k) nkt `h nkklrinhkb w`tc tcb BMNs kllri`hnt`lh tl sbbg tl bhsurb tcntsukc ponhs il hlt obni tl n rbiukbi jolw lj obhi`he tl tcb BRs rbnobklhlay my nerbb`he tl rbiukt`lhs `h r`sg wbèctbi nssbts ns n abnhslj nttn`h`he tcb tnrebt lhoy `hsljnr ns tcbsb nrb bjjbktbi tcrluec tcbsnob lj sbobktbi nssbts. ]biukt`lhs `h r`sg wbèctbi nssbts iub tl tcbvnoìnt`lh nhi rloo-lut lj npprlpr`ntb `htbrhno alibos wòo hlt, `hebhbrno, mb noolwbi ns n abnhs lj niirbss`he n knp`tno sclrtjnoo uhobsstcbsb kcnhebs nrb norbniy ponhhbi nhi uhibr klhsìbrnt`lh my tcbklapbtbht nutclr`ty =.

Ilhb nt Olhilh, 3 Ibkbambr =6>>

Nhirbn Bhr`nKcn`rpbrslh, BMN

=

Lribrbi ibobvbrne`he prlkbssbs norbniy jlranooy nerbbi w`tc `htbrhnt`lhno lrenh`snt`lhs lr BR `hst`tut`lhsmbjlrb =: Lktlmbr =6>> scluoi, j suma`ttbi tl nhi alh`tlrbi my tcb klapbtbht nutclr`ty, nosl mb noolwbi. Ycbsnab klhi`t`lhs wluoi nppoy `h slab knsbs tl jlrano rbstruktur`he ponhs.


7/22

5

Nhhbx @

Ycb jloolw`he o`st ìbht`j`bs tcb klapbtbht nutclr`t`bs w`tc prànry supbrv`slryrbsplhs`mò`ty jlr tcb krbi`t `hst`tut`lhs o`stbi w`tc`h Nhhbx @@ nhi tcbrbjlrbsumdbkt tl tc`s ]bklaabhint`lh ; .

>. J`hnhzanrgtnujs`kct (J`hnhk`no Anrgbt Nutclr`ty) 9 NY=. Mnhqub Hnt`lhnob ib Mboe`qub/Hnt`lhnob Mnhg vnh Mboe2

(Hnt`lhno Mnhg lj Mboeùa) MB;. Kbhtrno Mnhg lj Kyprus KP9. Muhibsnhstnot jr J`hnhzi`bhstob`stuhesnujs`kct

(Jbibrno J`hnhk`no [upbrv`slry Nutclr`ty) IB2. J`hnhstòsyhbt (Inh`sc J`hnhk`no [upbrv`slry Nutclr`ty) IG:. Mnhkl ib Bspnn (Mnhg lj [pn`h) B[5. J`hnhss`vnovlhtn (J`hh`sc J`hnhk`no [upbrv`slry Nutclr`ty) J@3. Nutlr`t ib Klhtrob Vruibht`bo (Vruibht`no Klhtrlo Nutclr`ty) J]0. J`hnhk`no [brv`kbs Nutclr`ty RG>6. Vhzey` [zbrvbzbtbg oona` Jboeybobtb

(Cuhenr`nh J`hnhk`no [upbrv`slry Nutclr`ty) CR>>. Kbhtrno Mnhg lj @rbonhi @B>=. Mnhkn i@tno`n (Mnhg lj @tnoy) @Y>;. Klaa`ss`lh ib [urvbòonhkb iu [bktbur J`hnhk`br

(Klaa`ss`lh jlr tcb [upbrv`s`lh lj tcb J`hnhk`no [bktlr) OR>9. Anotn J`hnhk`no [brv`kbs Nutclr`ty AY>2. Ib Hbibronhiskcb Mnhg (Hnt`lhno Mnhg lj Hbtcbronhis) HO>:. Gla`sdn Hnizlru J`hnhslwbel

(Vlo`sc J`hnhk`no [upbrv`s`lh Nutclr`ty) VO>5. Mnhkl ib Vlrtueno (Mnhg lj Vlrtueno) VY>3. J`hnhs`hspbgt`lhbh ([wbi`sc J`hnhk`no [upbrv`slry Nutclr`ty) [B

; Notcluec mltc tcb Mnhg lj Erbbkb nhi tcb Hlrwbe`nh J`hnhk`no [upbrv`slry Nutclr`ty supbrv`sb mnhgs w`tc`htcb snapob, hb`tcbr cns mbbh `hkouibi `h tcb o`st lj niirbssbbs lj tc`s ]bklaabhint`lh mbknusb, `h tcb j`rstknsb, tcb prb-nerbbi nrrnhebabhts uhibr tcb BR/@AJ nss`stnhkb prlernaab `hkouib qunht`tnt`vb knp`tno tnrebtswc`kc bxkbbi tcb rbsuots lj tcb BMNs knp`tno bxbrk`sb nhi, `h tcb sbklhi, Hlrwny ns nh BJYN [tntb lj tcb BBNilbs hlt jnoo w`tc`h tcb kurrbht klapbtbhkb lj tcb BMN.9 N sumstnht`no pnrt lj tc`s naluht `s nttr`mutnmob tl stbrrb`kc`skcb Zlogsmnhg NE nhi scluoi mb klhsìbrbi ns

prl-jlran. Yc`s erlup `s kurrbhtoy uhibr ibbp rbstruktur`he nhi bvnount`lh lj `ts mus`hbss alibo njtbr wc`kcstbrrb`kc`skcb Zlogsmnhg NE scnoo bhi up h n rbe`lhno nkt`vb mnhg.2 Ibx`n erlup `s `hkouibi mut tcb sclrtjnoo naluht scluoi mb klhsìbrbi ns prl -jlran. Njtbr tcb kut-ljj intb lj;6 [bptbambr, tc`s Erlup cns `hibbi mbbh ibbpoy rbstrukturbi nhi n stntb eunrnhtbb wòo mb prlvìbi lh tcbjuhi`he `ssubi my Ibx`n [N nhi `ts sumsì`nry Ibx`n Krbi`t Olkno sumdbkt tl tcb npprlvno lj tcb BurlpbnhKlaa`ss`lh. Ycb rbstrukturbi erlup, wc`kc wòo hlt jurtcbr ibvbolp sèh`j`knht krlss-mlribr nkt`v`ty nhi wòoerniunooy scr`hg `h s`zb, wòo hlt rban`h `h tcb BMN snapob. Ycb snob lj Ibx`n Mnhg Mboeùa cns obi tl n jrbscknsc `hdbkt`lh lj 9mh Burls wcòst tcb i`splsno prlkbssbs lj ltcbr àplrtnht bht`t`bs (Ibx`n Mnhg @htbrhnt`lhno Ouxbamure, ]MK Ibx`n @hvbstlr [brv`kbs, Ibx`n Nssbt Anhnebabht, Ibx`n Auh`k`pno Nebhky nhi Ibh`zMnhg)wòo nà tl jurtcbr strbhetcbh ts knp`tno pls`t`lh.


8/22

3

>0. Mnhgn [olvbh`db (Mnhg lj [olvbh`n) [@

Nhhbx @@

Knp`tno mujjbrs jlr niirbss`he anrgbt klhkbrhs lvbr slvbrbèhbxplsurbs

Abtclilole`kno Hltb

[uaanryYcb knp`tno pnkgneb (cbrbnjtbr, knp`tno bxbrk`sb) ns onì lut `h tcb BMN]bklaabhint`lh lh tbaplrnry knp`tno mujjbrs rbqu`rbs H[Ns tl bhsu rb tcntrbobvnht mnhgs muòi up knp`tno mujjbrs tl rbnkc n obvbo lj 0% Klrb Y`br > rnt`l mytcb bhi lj Duhb =6>=, njtbr tcb rbalvno lj tcb pruibht`no jòtbrs lh slvbrbèhnssbts `h tcb Nvnònmob-jlr-[nob plrtjlo`l nhi pruibht vnount`lh lj slvbrbèh ibmt`h tcb Cboi-tl-Antur`ty nhi Olnhs nhi rbkb`vnmobs plrtjlo`l, rbjobkt`he anrgbtpr`kbs ns lj ;6 [bptbambr =6>>.

Ycb lmdbkt`vb lj tcb knp`tno bxbrk`sb `s tl krbntb nh bxkbpt`lhno nhi tbaplrnryknp`tno mujjbr tl niirbss kurrbht anrgbt klhkbrhs lvbr slvbrbèh r`sg nhi ltcbrrbsìuno krbi`t r`sg rbontbi tl tcb kurrbht i`jj`kuot anrgbt bhv`rlhbht. Yc`s mujjbrwluoi bxpo`k`toy hlt mb ibsèhbi tl klvbr olssbs `h slvbrbèhs mut tl prlvìb nrbnssurnhkb tl anrgbts nmlut mnhgs nmò`ty tl w`tcstnhi n rnheb lj sclkgs nhistòo an`htn`h nibquntb knp`tno.

Yc`s hltb suaanr`sbs tcb abtcliloley nilptbi jlr ìbht`jy`he knp`tno mujjbrsnkklri`he tl tcb hbw tnrebts nt tcb mnhg obvbo.

Gby intbs

Mnhgs wòo mb rbqu`rbi tl muòi up tcb`r knp`tno mujjbrs nhi rbnkc n 0% Klrb Y`br> rnt`l (cbrbnjtbr, tcb mbhkcanrg) my tcb bhi lj Duhb =6>= , njtbr tcb rbalvnolj tcb pruibht`no jòtbrs lh slvbrbèh nssbts `h tcb Nvnònmob-jlr-[nob (NJ[)plrtjlo`l nhi pruibht vnount`lh lj slvbrbèh ibmt `h tcb Cboi-tl-Antur`ty (CYA)plrtjlo`l nhi Olnhs nhi rbkb`vnmobs plrtjlo`l, rbjobkt`he anrgbt pr`kbs. Ycbrbjbrbhkb intb jlr klaput`he tcb mujjbrs w`tc rbspbkt tl tcb mbhkcanrg `s tcb ;6[bptbambr =6>>, wc`kc nosl rbjobkts tcb intb jlr rbobvnht anrgbt pr`kbs tl mbusbi, wc`kc wbrb nssbssbi my tcb BMN.

[klpb lj nppo`knt`lh


9/22

0

Ycb knp`tno bxbrk`sb `hvlovbs 5> mnhgs. Ycby nrb tcb mnhgs tcnt pnrt`k`pntbi `htcb =6>> BR-wìb strbss tbst, notcluec n sumsbt lj sanoo hlh krlss-mlribr mnhgscns mbbh bxbaptbi.

(sbb o`st nt pneb >2 mbolw)

Ycb knp`tno pnkgneb jlr Erbbkb cns mbbh ibj`hbi `h sukc n wny hlt tl klhjo`ktw`tc prb-nerbbi nrrnhebabhts uhibr tcb BR/@AJ prlernaab. Ycb nss`stnhkbprlernaab norbniy ibj`hbs n sbt lj tnrebts jlr tcb mnhgs `h qubst`lh, `hkoui`hequnht`tnt`vb lmdbkt`vbs jlr tcb Klrb Y`br > rnt`l, wc`kc nrb mb`he alh`tlrbi lh nrbeuonr mns`s. Jlr Erbbkb tcb mnkgstlp abnsurbs bxkbbi tcb BMN bxbrk`sb nhi hlhbw mbhkcanrgs cnvb mbbh sbt jlr Erbbg mnhgs. Intn jlr Erbbg mnhgs nrbtcbrbjlrb hlt i`skolsbi.

Ibj`h`t`lh lj Klrb Y`br >

Ycb ibj`h`t`lh lj Klrb Y`br > `s tcb snab usbi `h tcb =6>> BR-wìb strbss tbst(`hkoui`he bx`st`he knp`tno `hstruabhts sumskr`mbi my elvbrhabhts). Yc`sibj`h`t`lh lj knp`tno klapr`sbs tcb cècbst quno`ty knp`tno `hstruabhts (klaalhbqu`ty) nhi cymrì `hstruabhts prlvìbi my elvbrhabhts ns nhhluhkbi my tcbBMN jlr tcb =6>> BR-wìb strbss tbst.

Yc`s ibj`h`t`lh `s mnsbi lh bx`st`he BR obe`sont`lh `h tcb Knp`tno ]bqu`rbabhtsI`rbkt`vb (K]I). @t tngbs tcb bx`st`he BR ibj`h`t`lh lj Y`br > hbt lj ibiukt`lhs ljpnrt`k`pnt`lhs `h j`hnhk`no `hst`tut`lhs nhi `t str`ps lut cymrì `hstruabhts

`hkoui`he bx`st`he prbjbrbhkb scnrbs. @t rbkleh`sbs bx`st`he elvbrhabht supplrtabnsurbs.

Yl bhsurb n juooy cnralh`sbi klaputnt`lh my noo tcb mnhgs `hvlovbi `h tcbbxbrk`sb, tcb BMN cns anppbi tcb i`jjbrbht knp`tno bobabhts lj Klrb Y`br > tl tcbkurrbht KL]BV rbplrt`he jrnabwlrg. Lhoy klaabrk`no `hstruabhts lj tcb cècbstquno`ty nrb `hkouibi `h tc`s Klrb Y`br > ibj`h`t`lh lri`hnry scnrbs lr sàònr`hstruabhts `h o`hb w`tc tcb pr`hk`pobs ibtnòbi `h KBM[/BMN euìbo`hbs lh klrbknp`tno.

Yc`s abnhs, `h pnrt`kuonr, tcnt tcb klaabrk`no `hstruabhts `hkouibi `h Klrb Y`br> cnvb tl mb sàpob, `ssubi i`rbktoy my tcb `hst`tut`lh `tsboj nhi nmob, mltcàabi`ntboy nhi w`tclut nhy ilumt, tl abbt tcb kr`tbr`n lj pbranhbhkb,jobx`mò`ty lj pnyabhts nhi olss nmslrpt`lh `h el`he klhkbrh s`tunt`lhs. Ycb`hkous`lh lj elvbrhabht supplrt abnsurbs `h tc`s ibj`h`t`lh rbjobkts tcbbxpbktnt`lh lj supbrv`slrs tcnt tclsb `hstruabhts wòo mb juooy nvnònmob tl nmslrmolssbs nhi scbotbr mnhgs `h knsb lj i`jj`kuot`bs. Elvbrhabht supplrt abnsurbshbbi tl mb klhs`stbht w`tc tcb Burlpbnh [tntb nì ruobs nhi npprlvbi my tcbBurlpbnh Klaa`ss`lh.

Boè`mob knp`tno `hstruabhts jlr abbt`he tcb mujjbrs

Ns n ebhbrno ruob, tcb knp`tno mujjbrs nrb tl mb klvbrbi w`tc Klrb Y`br > nsibj`hbi `h tcb BMNs =6>> BR -wìb strbss tbst. @h pnrt`kuonr, lhoy klaabrk`no


10/22

>6

`hstruabhts lj tcb cècbst quno`ty nrb `hkouibi `h tc`s Klrb Y`br > ibj`h`t`lh lri`hnry scnrbs lr sàònr `hstruabhts `h o`hb w`tc tcb pr`hk`pobs ibtnòbi `hKBM[/BMN euìbo`hbs lh klrb knp`tno. Clwbvbr, s`hkb mujjbrs nrb `htbhibi tlnmslrm pltbht`no (klht`hebht) olssbs, hbwoy `ssubi pr`vntb klht`hebht klhvbrt`mobsnrb boè`mob tl mb klhsìbrbi ns n pnrt lj tcb mujjbr `j klhs`stbht w`tc tcb BMNs

klaalh tbra scbbt sbt lut nt Nhhbx @@@.Bx`st`he klhvbrt`mob knp`tno `hstruabhts wòo hlt mb boè`mob uhobss tcby wòo mbklhvbrtbi `htl Klrb Y`br > nkklri`he tl tcb nmlvb ibj`h`t`lh my bhi lj Lktlmbr=6>=.

]UN

Ns `h tcb =6>> BR-wìb strbss tbst, mnhgs cnvb mbbh rbqubstbi tl nicbrb tl K]I; jlr tcb knokuont`lh lj tcb Klrb Y`br > rnt`l, `.b., tcb kcnhebs tl tcb trni`he mllg

nhi sbkur`t`snt`lh trbntabht (sl knoobi Mnsbo =.2) nrb tl mb juooy `hklrplrntbi `htcb rbqu`rbabht ([trbss Zn], @]K, ]b-sbkur`t`snt`lhs, [bkur`t`snt`lh pls`t`lhs,Klrrbont`lh trni`he plrtjlo`l).

]`sg wbèctbi nssbts (]UN) nrb klaputbi my auot`poy`he tcb tltno knp`tnorbqu`rbabhts (`hkoui`he tcb Mnsbo > trnhs`t`lhno jollr) w`tc >=.2.

Klrb Y`br > rnt`l 1 Klrb Y`br >/]UN

Jollrs

Mnhgs us`he nivnhkbi abnsurbabht npprlnkcbs jlr krbi`t nhi lpbrnt`lhno r`sg(@]M nhi NAN) cnvb mbbh nsgbi tl nppoy tcb Mnsbo > jollrs (36%). Ycbrb nrb nvnr`bty lj wnys `h wc`kc tcb jollrs cnvb mbbh nppo`bi hnt`lhnooy nhi mnhgs cnvbjloolwbi i`jjbrbht npprlnkcbs ibpbhi`he lh tcb bx`st`he hnt`lhno euìnhkb.

H[Ns cnvb mbbh nsgbi tl kcllsb lhb lj twl lj tcb alst wìboy usbi npprlnkcbs,wc`kc nrb luto`hbi mbolw, nhi i`rbkt noo mnhgs `h tcb`r dur`si`kt`lh tl nilpt tcntnpprlnkc. Mnhgs wòo i`skolsb tcb jollr trbntabht usbi `h tcb tbapontbs nhi tcbBMN wòo pumo`sc n suaanry o`st. Mnhgs lh tcb stnhinri`zbi npprlnkc wòo sclwH/n `h tcb tbapontb.

Npprlnkc >Nkklri`he tl npprlnkc >, tcb trnhs`t`lhno jollr knp`tno rbqu`rbabht `s tcbanxàua mbtwbbh 6 nhi tcb i`jjbrbhkb mbtwbbh tcb 36% lj tcb Mnsbo > (M>)knp`tno rbqu`rbabht nhi tltno a`hàua lwh juhis4

Yrnhs`t`lhno jollr knp`tno rbqu`rbabht 1 Anx W(36%*(Knp`tno ]bqu`rbabht M>) (Yltno A`hàua Lwh Juhis)),6Q

wcbrb Yltno A`hàua Lwh Juhis 1 (A`hàua Yltno Knp`tno ]bqu rbabht - @]M

[clrtjnoo - @]M Vrlv`s`lh bxkbss)7 @]M sclrtjnoo `s tcb hbent`vb naluht @]MVrlv`s`lh sclrtjn oo nhi @]M bqu`ty bxpbktbi olss naluhts ibiuktbi jlr tcb
http://eba.europa.eu/cebs/media/Publications/Other%20Publications/2011%20EU-wide%20stress%20test/Guidelines_article57a.pdfhttp://eba.europa.eu/cebs/media/Publications/Other%20Publications/2011%20EU-wide%20stress%20test/Guidelines_article57a.pdf


11/22

>>

klaputnt`lh lj tltno lwh juhis (KL]BV o`hb >.;.3) nhi @]M prlv`s`lh bxkbss `stcb pls`t`vb naluht (KL]BV o`hb >.=.>.5) `hkouibi `h tcb knokuont`lh lj tltno lwhjuhis.

Yc`s wluoi nssbss tcb tltno a`hàua lwh juhis tcnt wluoi mb rbqu`rbi uhibr

Mnsbo > nen`hst tltno a`hàua lwh juhis nkklri`he tl tcb rbobvnht rbeuont`lh.[`hkb jlr tcb rbknp`tno`snt`lh bxbrk`sb mnhgs cnvb mbbh rbqu`rbi tl nppoy tcbK]I; anrgbt r`sg rbqu`rbabht tcb jloolw`he jlrauon scluoi mb nppo`bi4

Yrnhs`t`lhno jollr knp`tno rbqu`rbabht 1 Anx W(36%*( Knp`tno ]bqu`rbabht M> -Agt]`sgKnp]bq M> + Agt]`sgKnp]bq K]I;) - (Yltno A`hàua Lwh JuhisK]I;)),6Q

wcbrb Agt]`sgKnp]bq M> nhi Agt]`sgKnp]bq K]I; nrb tcb knp`tno rbqu`rbabhtstlwnris anrgbt r`sg uhibr Mnsbo > nhi tcb K]I; rbspbkt`vboy.

Npprlnkc =Nkklri`he tl npprlnkc =, tcb trnhs`t`lhno jollr knp`tno rbqu`rbabht `s tcbanxàua mbtwbbh 6 nhi tcb i`jjbrbhkb mbtwbbh tcb 36% lj tcb Mnsbo > knp`tnorbqu`rbabht nhi tcb tltno lwh juhis4

Yrnhs`t`lhno jollr knp`tno rbqu`rbabht 1 Anx W(36%*Knprbq M>) Yltno LwhJuhis, 6Q

wcbrb Yltno Lwh Juhis 1 Yltno Lwh Juhis (erlss/hbt lj @]M sclrtjnoo/bxkbssprlv`s`lh) @]M sclrtjnoo - @]M Vrlv`s`lh Bxkbss)7 @]M sclrtjnoo `s tcb hbent`vb

naluht @]M Vrlv`s`lh sclrtjnoo nhi @]M bqu`ty bxpbktbi olss naluhts ibiuktbijlr tcb klaputnt`lh lj tltno lwh juhis (KL]BV o`hb >.;.3) nhi @]M prlv`s`lhbxkbss `s tcb pls`t`vb naluht (KL]BV o`hb >.=.>.5) `hkouibi `h tcb knokuont`lh ljtltno lwh juhis.

Yc`s wluoi nssbss tcb tltno lwh juhis tcnt wluoi mb rbqu`rbi uhibr Mnsbo >nen`hst tltno lwh juhis ns lj [bptbambr =6>>. [`hkb jlr tcb rbknp`tno`snt`lhbxbrk`sb mnhgs cnvb mbbh rbqu`rbi tl nppoy tcb K]I; anrgbt r`sg rbqu`rbabhttcb jloolw`he jlrauon scluoi mb nppo`bi4

Yrnhs`t`lhno jollr knp`tno rbqu`rbabht 1 Anx W(36%*(Knp]bqM> - Agt]`sgKnp]bqM> + Agt]`sgKnp]bq K]I;) - (Yltno Lwh Juhis)),6Q

wcbrb Agt]`sgKnp]bq M> nhi Agt]`sgKnp]bq K]I; nrb tcb knp`tno rbqu`rbabhtstlwnris anrgbt r`sg uhibr Mnsbo > nhi tcb K]I; rbspbkt`vboy.

Rhibr mltc npprlnkcbs, tcb ]UNs klrrbsplhi`he tl tcb trnhs`t`lhno jollr knp`tnorbqu`rbabht nrb klaputbi ns jloolws4

]UN Jollr 1 >=.2*Yrnhs`t`lhno jollr knp`tno rbqu`rbabht

[lvbrbèh ibmt bxplsurbs


12/22

>=

[lvbrbèh ibmt bxplsurbs jlr tcb purplsb lj tcb knp`tno bxbrk`sb nrb tclsbtlwnris tcb kbhtrno, rbe`lhno nhi olkno elvbrhabhts lj tcb Burlpbnh Bklhla`kNrbn (BBN) kluhtr`bs. Ycby `hkouib i`rbkt nhi `hi`rbkt slvbrbèh bxplsurbs (`.b.,lh- nhi ljj-mnonhkb scbbt) `h tcb trni`he nhi `h tcb mnhg`he mllg. Kbhtrno mnhgibpls`ts nrb hlt `hkouibi. Jurtcbralrb, tcb ibj`h`t`lh ilbs hlt `hkouib

bxplsurbs tl kluhtbrpnrts (ltcbr tcnh slvbrbèhs) w`tc juoo lr pnrt`no eunrnhtbbsjrla kbhtrno, olkno lr rbe`lhno elvbrhabhts.

Vruibht`no jòtbrs

Ycb NJ[ plrtjlo`l klapr`sbs bqu`t`bs, olnhs nhi rbkb`vnmobs ns wboo ns ltcbrj`hnhk`no `hstruabhts (ltcbr nvnònmob-jlr-snob nssbts). Nkklri`he tl KBM[euìbo`hbs `ssubi `h =669, jn`r-vnoub rbvnount`lh rbsbrvbs lh NJ[ nssbts nrbsumdbkt tl tcb jloolw`he pruibht`no jòtbrs4

Jlr bqu`t`bs, uhrbno`sbi olssbs scluoi mb ibiuktbi njtbr tnx jrla lrè`hnolwh juhis nhi uhrbno`sbi en`hs scluoi lhoy pnrt`nooy mb `hkouibi `hnii`t`lhno lwh juhis mbjlrb tnx.

Jlr olnhs nhi rbkb`vnmobs, tcb uhrbno`sbi en`hs nhi olssbs, npnrt jrlatclsb rbontbi tl àpn`rabht, nrb hbutrno`sbi `h lwh juhis njtbr tnx.

Jlr ltcbr nvnònmob jlr snob nssbts (b.e., ibmt sbkur`t`bs, j`hnhk`no`hstruabhts sumdbkt tl `htbrbst rntb r`sg, btk.) twl abtclis knh mb nppo`bi.

l `tbas konss`j`bi `h tc`s plrtjlo`l nrb trbntbi ns bqu`t`bs,

l `tbas konss`j`bi `h tc`s plrtjlo`l nrb trbntbi ns olnhs nhi rbkb`vnmobs.

[l jnr, tcbrb `s hl cnralh`sbi nppo`knt`lh lj KBM[ euìnhkb lh pruibht`no jòtbrsjlr rbeuontlry knp`tno nkrlss BR dur`si`kt`lhs. @t `s wlrtc hlt`he tcnt pruibht`nojòtbrs wòo mb rbalvbi uhibr Mnsbo ; ruobs.

Klhsbrvnt`vb vnount`lh lj slvbrbèh bxplsurbs `h tcb CYA nhi Olnhs nhirbkb`vnmob plrtjlo`l

Mnhgs cnvb mbbh nsgbi tl knrry lut n klhsbrvnt`vb vnount`lh lj tcb BBNslvbrbèh bxplsurbs mllgbi `h tcb CYA plrtjlo`l nhi olnhs nhi rbkb`vnmobplrtjlo`l, ang`he usb lj bx`st`he anrgbt pr`kbs ns lj [bptbambr =6>> nhi kurrbhtmlhi y`bois my antur`ty ns n rbjbrbhkb jlr olnhs nhi hlh trnibi nssbts. Mnhgs nssbssabht cns mbbh usbi jlr klaput`he tcb mujjbrs nhi kcbkgbi my tcb BMN.Ycb antur`ty mukgbts nrb ; alhtcs, > ybnr, =, ;, 2, >6 nhi >2 ybnrs.

Jlr tcb olnhs nhi nivnhkbs `h tcb CYA nhi O&] plrtjlo`ls, n knp cns mbbh mb sbtnt zbrl jlr vnount`lh kcnhebs nhi tcbrbjlrb hl ljjsbt `s plss`mob mbtwbbhpltbht`no en`hs nhi pltbht`no olssbs.

Ynx trbntabht


13/22

>;

Jlr CYA nhi olnhs nhi rbkb`vnmobs cloi`hes (`.b., tcb klhsbrvnt`vb vnount`lh ljslvbrbèh bxplsurbs) tcb mujjbr cns mbbh klaputbi erlss lj tnxbs.

Jlr NJ[ cloi`hes, tcb mujjbr cns mbbh klaputbi jloolw`he kurrbht KBM[ euìnhkblh tnx jlr NJ[ pruibht`no jòtbrs (`.b., hbt lj tnx).

Klaputnt`lh lj tcb tnrebt knp`tno mujjbrs

Ycb knp`tno mujjbrs `s klaputbi ns jloolws4

>. Mujjbr NJ[. Vruibht`no jòtbrs lh BBN slvbrbèh bxplsurbs cboi `h tcb NJ[plrtjlo`l nrb rbalvbi, `.b., mnhgs nrb rbqu`rbi tl muòi n mujjbr lj KlrbY`br > knp`tno v`s--v`s pruibht`no jòtbrs (MujjbrNJ[). @j tcb jòtbr `s pls`t`vb,tc`s àpo`bs n hbent`vb NJ[ vnount`lh rbsbrvb (pltbht`no olssbs) : .

=. Mujjbr CYA. BBN ibmt slvbrbèh bxplsurbs `h tcb cboi-tl-antur`ty (CYA)nhi olnhs nhi rbkb`vnmob plrtjlo`l nrb vnoubi `h n klhsbrvnt`vb jnsc`lh,ang`he usb bhi lj [bptbambr intn ns n rbjbrbhkb jlr olnhs nhi hlhtrnibi nssbts. Mnhgs cnvb tcus mbbh rbqu`rbi tl muòi n mujjbr lj Klrb Y`br> knp`tno (MujjbrCYA) bquno tl tcb i`jjbrbhkb mbtwbbh tcb mllg vnoub ljtclsb nssbts nhi tcb`r rbvnoubi naluht.

;. Mnhgs cnvb mbbh noolwbi tl ljjsbt pls`t`vb (`.b., pltbht`no olssbs) nhihbent`vb vnoub ( .b., pltbht`no en`hs) nidustabhts jlr tcb ibmt sbkur`t`bs `htcb CYA nhi O&] plrtjlo`ls. Jlr olnhs nhi nivnhkbs `h tcb CYA nhi O&]plrtjlo`ls mnhgs knhhlt mbhbj`t jrla pltbht`no en`hs.

9. Ycb sua lj MujjbrNJ[ nhi MujjbrCYA cns mbbh knppbi tl zbrl (`.b., mnhgsknhhlt bhi-up w`tc n hbent`vb mujjbr)4

Mujjbr[LZ 1 (MujjbrNJ[ + MujjbrCYA) 6

2. Ycb knp`tno sclrtjnoo `s tcb sua lj tcb i`jjbrbhkb mbtwbbh 0% lj r`sg-wbèctbi nssbts nhi tcb nktuno Klrb Y`br > knp`tno pous Mujjbr[LZ4

[clrtjnoo[bpt=6>> 1 (6.60x]UN [bpt=6>> - KY>[bpt=6>> ) + (Mujjbr[LZ [bpt=6>> )

Nkt`lhs tl niirbss ìbht`j`bi sclrtjnoos

Ycb naluht lj tcb knp`tno sclrtjnoo cns mbbh sbt mnsbi lh [bptbambr =6>>slvbrbèh bxplsurb jèurbs nhi n knp`tno rbqu`rbabht ibtbra`hbi my n 0% KlrbY`br > tcrbscloi. Ycb mujjbr tl mb cboi nen`hst slvbrbèh ibmt bxplsurbs `s j`xbi(`.b. `t wòo hlt mb rbv`sbi ns n rbsuot lj ontbr anrgbt vnount`lh kcnhebs nhi/lrkcnhebs lj tcb bxplsurbs, bvbh tcluec mnhgs cnvb uhtò bhi Duhb =6>= tl abbttcb lvbrnoo knp`tno tnrebt).

[clrtjnoo[bpt=6>> 1 (6.60x]UN [bpt=6>> - KY>[bpt=6>> ) + (Mujjbr[LZ [bpt=6>> )

My Duhb =6>= tcb sclrtjnoo scluoi mb zbrl4

: @h kluhtr`bs wcbrb pruibht`no jòtbrs nrb hlt nppo`bi, tcb àpnkt lj tcb vnount`lh lj nssbts `h tcb NJ[ plrtjlo`l`s i`rbktoy rbjobktbi h tcb knp`tno pls`t`lh.


14/22

>9

[clrtjnooDuh=6>=1 6 1 (6.60x]UN Duh=6>= - KY>Duh=6>=) + (Mujjbr[LZ [bpt=6>> )

@h knsbs lj klapo`nhkb w`tc tc`s ]bklaabhint lh mnhgs wòo mb rbqu`rbi tlsuma`t knp`tno ponhs tl tcb`r hnt`lhno supbrv`slrs mbjlrb =6tc Dnhunry =6>=sbtt`he lut tcb prlplsbi a`x lj nkt`lhs, `hkoui`he hbw knp`tno rn`s`he, nssbti`splsnos nhi ltcbr abnsurbs, tl abbt mltc tcb rbqu`rbi 0% tnrebt nhi tcbslvbrbèh anrgbt vnount`lh mujjbr, tcbrbmy mr`he`he tcb sclrtjnoo tl zbrl my Duhb=6>=. Vr`lr tl nerbb`he tcbsb knp`tno ponhs, H[Ns wòo klhsuot w`tc rbobvnhtkloobebs lj supbrv`slrs nhi klhsìbrnt`lh wòo mb e`vbh nt tcb Burlpbnh (BMN nhiB[]M) obvbo ns tl clw mbst tl bhsurb tcnt sukc ponhs il hlt obni tl bxkbss`vbibobvbrne`he, i`srupt`he obhi`he `htl tcb rbno bklhlay nhi kleh`snht lj tcbmrlnibr klhtbxt, `hkoui`he tcb nvnònmò`ty lj mnhg juhi`he.

Mnhgs scluoi j`rst usb pr`vntb slurkbs lj juhi`he tl krbntb tcb knp`tno mujjbr,`hkoui`he rbtn`hbi bnrh`hes, rbiukbi mlhus pnyabhts, hbw `ssunhkbs lj klaalhbqu`ty nhi su`tnmoy strlhe klht`hebht knp`tno, nhi ltcbr o`nmò`ty anhnebabhtabnsurbs. ]biukt`lhs `h ]UNs ns n abnhs lj nttn`h`he tcb tnrebt scluoi mboà`tbi tl sbobktbi snobs lj nssbts tcnt il hlt obni tl n rbiukbi jolw lj obhi`he tltcb rbno bklhlay mut sàpoy tl n trnhsjbr lj klhtrnkts lr mus`hbss uh`ts tl n tc`ripnrty. ]biukt`lhs `h ]UNs iub tl tcb vnoìnt`lh nhi rloo-lut lj npprlpr`ntb`htbrhno alibos tl nii`t`lhno plrtjlo`ls scluoi hlt, `h ebhbrno, mb noolwbi uhobsstcbsb kcnhebs nrb norbniy ponhhbi nhi uhibr klhsìbrnt`lh my tcb klapbtbhtnutclr`ty.


15/22

>2

O`st lj mnhgs

Klib Hnab Kluhtry

NY66> Brstb Erlup Mnhg NE NYNY66= ]n`jjb`sbh Tbhtrnomnhg stbrrb`kc NE NY

NY66; stbrrb`kc`skcb Zlogsmnhg NE NYMB669 IBS@N MBMB662 GMK MNHG MBKP66: AN]J@H VLVRON] MNHG VRMO@K KL OYI KPKP665 MNHG LJ KPV]R[ VRMO@K KL OYI KPIB6>5 IBRY[KCB MNHG NE IBIB6>3 KLAAB]TMNHG NE IBIB6>0 Onhibsmnhg Mnibh-Urttbambre IBIB6=6 IT MNHG NE It. Tbhtrno-Ebhlssbhskcnjtsmnhg IBIB6=> Mnybr`skcb Onhibsmnhg IBIB6== Hlriibutskcb Onhibsmnhg -ET IBIB6=; Cypl ]bno Bstntb Cloi`he NE, Ahkcbh IBIB6=9 UbstOM NE, Issboilrj IBIB6=2 C[C Hlrimnhg NE, Cnamure IBIB6=: Onhibsmnhg Cbssbh-Ycr`hebh ET, Jrnhgjurt IBIB6=5 Onhibsmnhg Mbro`h NE IBIB6=3 IbgnMnhg Ibutskcb E`rlzbhtrnob, Jrnhgjurt IBIB6=0 UET MNHG NE Ubstit. Ebhl. Tbhtrnomg, Iij IBIG663 INH[GB MNHG IGIG660 Dysgb Mnhg IGIG6>6 [yimnhg IGIG6>> Hygrbi`t IGB[620 MNHKL [NHYNHIB] [.N. B[B[6:6 MNHKL M@OMNL Z@TKNPN N]EBHYN]@N [.N. (MMZN) B[B[6:> MJN MNHG@N B[B[6:= KNDN IB NCL]]L[ P VBH[@LHB[ IB MN]KBOLHN B[B[6:9 MNHKL VLVRON] B[VNLO, [.N. B[J@6>= LV-Vlcdlon Erlup J@J]6>; MHV VN]@MN[ J]J]6>9 K]BI@Y NE]@KLOB J]J]6>2 MVKB J]J]6>: [LK@BYB EBHB]NOB J]EM633 ]LPNO MNHG LJ [KLYONHI E]LRV pok EMEM630 C[MK CLOI@HE[ pok EMEM606 MN]KONP[ pok EMEM60> OOLPI[ MNHG@HE E]LRV pok EME]6;6 BJE BR]LMNHG B]EN[@N[ [.N. E]E]6;> HNY@LHNO MNHG LJ E]BBKB E]E]6;= NOVCN MNHG E]E]6;; V@]NBR[ MNHG E]LRV E]E]6;9 NE]@KROYR]NO MNHG LJ E]BBKB [.N. (NYBmnhg) E]E]6;2 YY CBOOBH@K VL[YMNHG [.N. E]CR6;: LYV MNHG HP]Y. CR@B6;5 NOO@BI @]@[C MNHG[ VOK @B@B6;3 MNHG LJ @]BONHI @B@B6;0 @]@[C O@JB NHI VB]ANHBHY @B@Y696 @HYB[N [NHVNLOL [.p.N @Y@Y69> RH@K]BI@Y [.p.N @Y@Y69= MNHKN ALHYB IB@ VN[KC@ I@ [@BHN [.p.N @Y@Y69; MNHKL VLVLON]B - [.K. @Y

@Y699 RH@LHB I@ MNHKCB @YNO@NHB [KVN (RM@ MNHKN) @YOR692 MNH^RB BY KN@[[B I'BVN]EHB IB O'BYNY ORAY69: MNHG LJ ZNOOBYYN (MLZ) AYHO695 @HE MNHG HZ HOHO693 ]NMLMNHG HBIB]ONHI HOHO690 NMH NA]L MNHG HZ HOHO626 [H[ MNHG HZ HOHL62> IhM HL] Mnhg N[N HLVO62= VLU[TBKCHN GN[N L[TKTIHLK@ MNHG VLO[G@ [.N. (VGL MNHG VLO[G@) VOVY62; KN@SN EB]NO IB IBV[@YL[, [N VYVY629 MNHKL KLAB]K@NO VL]YRER[, [N (MKV L] A@OOBHH@RA MKV) VYVY622 B[V]@YL [NHYL J@HNHK@NO E]LRV, [N (B[JE) VYVY62: Mnhkl MV@, [N VY[B639 Hlribn Mnhg NM (pumo) [B[B632 [gnhi`hnv`sgn Bhsg`oin Mnhgbh NM (pumo) ([BM) [B[B63: [vbhsgn Cnhibosmnhgbh NM (pumo) [B[B635 [wbimnhg NM (pumo) [B

[@625 HLZN ODRMODNH[GN MNHGN I.I. (HOM i.i.) [o[@623 HLZN G]BI@YHN MNHGN AN]@ML] I.I. (HGMA i.i.) [o


16/22

>:

Nhhbx @@@

Mujjbr Klhvbrt`mob Knp`tno [bkur`t`bs

Klaalh Ybra [cbbt

`h yboolw4 prlv`s`lhs tl mb ibtbra`hbi lh n knsb-my-knsb mns`s nhi hlt jrnabi prbk`sboy my BMNbxkbpt sbtt`he up a`hàua rbqu`rbabhts tl mb abt. Noo tcbsb prlv`s`lhs wòo cnvb tl mb nerbbi my tcbrbobvnht hnt`lhno supbrv`slr (wcl any nsg jlr str`ktbr rbqu`rbabhts tcnh tcb a`hàua rbqu`rbabhts lrnsg jlr spbk`j`k rbqu`rbabhts wcbh hlhb s abht`lhbi h tc`s tbra scbbt).

@ssubr WQ ( Mnhg, @ssubr)

[bkur`t`bs Ljjbrbi Mujjbr Klhvbrt`mob Knp`tno [bkur`t`bs ("MKK[")

Yltno `ssub s`zb Rp tl WQ

Hla`hno Znoub WQ

@ssub Vr`kb Nt pnr

@ssub Intb WQYl mb ibtbra`hbi lh n knsb my knsb mns`s - a`hàuarbqu`rbabht4 hlt ontbr tcnh ;6 Duhb =6>=

[tntus nhi[umlri`hnt`lh

Ycb MKK[ klhst`tutb i`rbkt, uhsbkurbi, uhintbi nhisumlri`hntbi sbkur`t`bs lj tcb @ssubr nhi rnhg pnr` pnssu w`tclut nhy prbjbrbhkb nalhe tcbasbovbs. Ycby nrb juooy`ssubi nhi pnì-`h.

Ycb rècts nhi konàs lj tcb cloibrs lj MKK[ lj tc`s`ssub4

nrb sumlri`hntbi tl tcb konàs lj tcb krbi`tlrs ljtcb Mnhg, wcl nrb4

- ibpls`tlrs lr ltcbr uhsumlri`hntbikrbi`tlrs lj tcb Mnhg

- sumlri`hntbi krbi`tlrs, bxkbpt tclsbkrbi`tlrs wclsb konàs rnhg lr nrbbxprbssbi tl rnhg pnr` pnssu w`tc tcbkonàs lj tcb cloibrs lj tcb MKK[

- cloibrs lj sumlri`hntbi Mlhis lj tcbMnhg.

rnhg pnr` pnssu w`tc tcb rècts nhi konàs ljcloibrs lj ltcbr duh`lr knp`tno sumlri`hntbi `ssubsquno`jy`he ns Y`br > knp`tno

cnvb pr`lr`ty lvbr tcb lri`hnry scnrbcloibrs lj tcbMnhg


17/22

>5

Jlr tcb nvlìnhkb lj ilumt, tcb MKK[ wòo mb trbntbi jlrrbeuontlry purplsbs ns cymrì `hstruabhts nhi wòo quno`jyns Y`br > knp`tno.

Ycb naluht MKK[ cloibrs any konà `h tcb bvbht lj nw`hi`he-up lr nia`h`strnt`lh lj tcb Mnhg `s nh naluhtbquno tl tcb pr`hk`pno naluht pous nkkrubi `htbrbst mut hlnaluht lj knhkboobi kluplh pnyabhts wòo mb pnynmob.

Knhkboont`lh lj nhy pnyabht ilbs hlt klhst`tutb nh bvbhtlj ibjnuot nhi ilbs hlt bht`tob cloibrs tl pbt`t`lh jlr tcb`hslovbhky lj tcb Mnhg.

@h tcb bvbht lj Klhvbrs`lh lj tcb MKK[ tl scnrbs, tcbcloibrs lj MKK[ wòo mb scnrbcloibrs lj tcb Mnhg nhitcb`r konà wòo rnhg pnr` pnssu w`tc tcb rècts nhi konàslj tcb Mnhg's lri`hnry scnrbcloibrs.

Antur`ty intb Rhobss prbv`lusoy knoobi nhi rbibbabi lr klhvbrtbi, tcbMKK[ nrb pbrpbtuno w`tclut n antur`ty intb.

Kluplh Ycb MKK[ wòo mbnr nh `htbrbstlj WQ

Yl mb ibtbra`hbi lh n knsb my knsb mns`s - a`hàuarbqu`rbabht4 hl hkbht`vb tl rbibba tl mb hkouibi .

@htbrbst Vnyabht nhi@htbrbst Intb

Yl mb ibtbra`hbi lh n knsb my knsb mns`s - a`hàuarbqu`rbabht4 intbs tl mb noèhbi w`tc i`vìbhi pnyabhtintbs

Klhvbrs`lh ]ntb Yl mb ibtbra`hbi lh n knsb my knsb mns`s- a`hàuarbqu`rbabht 4 b`tcbr `) spbk`j`knt`lh lj n prbibtbra`hbirnheb w`tc`h wc`kc tcb `hstruabhts wòo klhvbrt `htllri`hnry scnrbs lr ``) n rntb lj klhvbrs`lh nhi n oà`t lhtcb pbra`ttbi naluht lj klhvbrs`lh.

Klhvbrs`lh Vbr`li Yl mb ibtbra`hbi lh n knsb my knsb mns`s. Ycb prlv`s`lhstl mb hkouibi scnoo hlt uhibra`hb tcb klhvbrs`lh jbnturbslj tcb `hstruabht nhi scnoo hlt `h pnrt`kuonr rbstr`kt tcbnutlant`k`ty lj tcb klhvbrs`lh.


18/22

>3

@ssubr's Knoo Lpt`lh Ycb Mnhg any, lh `ts lwh `h`t`nt`vb, bobkt tl rbibba noo mut hlt slab lj tcb MKK[, nt tcb`r pr`hk`pno naluhttlebtcbr w`tc nkkrubi `htbrbst, lh j`jtc nhh`vbrsnry lr nhyltcbr @htbrbst Vnyabht Intb tcbrbnjtbr, sumdbkt tl tcb pr`lrnpprlvno lj tcb Whnab lj tcb hnt`lhno supbrv`slrQ nhi

prlvìbi tcnt4

(n) tcb MKK[ cnvb mbbh lr wòo mb rbponkbi my rbeuontlryknp`tno lj bquno lr mbttbr quno`ty7 lr

(m) tcb Mnhg cns ibalhstrntbi tl tcb snt`sjnkt`lh lj tcbWhnab lj tcb hnt`lhno supbrv`slrQ tcnt `ts lwh juhis

wluoi, jloolw`he tcb knoo, bxkbbi my n anre`h tcnt tcbWhnab lj tcb hnt`lhno supbrv`slrQ klhsìbrs tl mbsèh`j`knht nhi npprlpr`ntb, (`) n Klrb Y`br > ]nt`l lj ntobnst 0% my rbjbrbhkb tl tcb BMN ]bklaabhint`lhBMN/]BK/=6>>/> pumo`scbi lh 3 Ibkbambr =6>> lr (``)`h knsb tcb ]bklaabhint`lh rbjbrrbi tl uhibr (`) cns mbbhrbpbnobi lr knhkboobi, tcb a`hàua knp`tno rbqu`rbabhts`h nkklrinhkb w`tc tcb j`hno prlv`s`lhs jlr n ]beuont`lhlh pruibht`no rbqu`rbabhts jlr krbi`t `hst`tut`lhs nhi`hvbstabht j`ras tl mb nilptbi my tcb Burlpbnh Rh`lh.

Lpt`lhno KluplhKnhkboont`lh

Ycb Mnhg any, nt `ts slob i`skrbt`lh nt noo tàbs, bobkt tlknhkbo nhy `htbrbst pnyabht lh n hlh kuauont`vb mns`s.Nhy kluplh hlt pnì `s hl olhebr iub nhi pnynmob my tcbMnhg. Knhkboont`lh lj n kluplh pnyabht ilbs hltklhst`tutb nh bvbht lj ibjnuot lj `htbrbst pnyabht nhi ilbshlt bht`tob cloibrs tl pbt`t`lh jlr tcb `hslovbhky lj tcbMnhg.

Anhintlry KluplhKnhkboont`lh

Rplh mrbnkc lj nppo`knmob a`hàua slovbhkyrbqu`rbabhts, lr `hsujj`k`bht I`str`mutnmob @tbas, tcb Mnhg

wòo mb rbqu`rbi tl knhkbo htbrbst pnyabhts lh tcb MKK[.

Ycb Mnhg cns juoo i`skrbt`lh nt noo tàbs tl knhkbo `htbrbst pnyabhts lh tcb MKK[.

Ycb Whnab lj tcb hnt`lhno supbrv`slrQ any rbqu`rb, `h `tsslob i`skrbt`lh, nt noo tàbs, tcb Mnhg tl knhkbo `htbrbst

pnyabhts lh tcb MKK[.


19/22

>0

I`str`mutnmob @tbas abnhs tcb hbt prlj`t lj tcb Mnhg jlrtcb j`hnhk`no ybnr bhi`he àabi`ntboy pr`lr tl tcb rbobvnhtkluplh pnyabht intb tlebtcbr w`tc nhy hbt prlj`ts nhi

rbtn`hbi bnrh`hes knrr`bi jlrwnri jrla nhy prbv`lusj`hnhk`no ybnrs nhi nhy hbt trnhsjbrs jrla nhy rbsbrvbnkkluhts `h bnkc knsb nvnònmob jlr tcb pnyabht lji`str`mut`lhs tl lri`hnry scnrbcloibrs lj tcb Mnhg.Wjlrauont`lh tl mb nabhibi ns jnr ns hbkbssnry nkklri`hetl nppo`knmob hnt`lhno onwQ

Nhy kluplh pnyabht knhkboobi wòo mb juooy nhi`rrbvlknmoy knhkboobi nhi jlrjb`tbi nhi wòo hl olhebr mb

pnynmob my tcb Mnhg. Knhkboont`lh lj n kluplh pnyabhtilbs hlt klhst`tutb nh bvbht lj ibjnuot lj `htbrbst pnyabhtnhi ilbs hlt bht`tob cloibrs tl pbt`t`lh jlr tcb `hslovbhkylj tcb Mnhg.

Anhintlry Klhvbrs`lh >/ @j n Klht`hebhky Bvbht lr Z`nmò`ty Bvbht lkkurs, tcbMKK[ scnoo mb anhintlròy juooy klhvbrtbi `htl Lri`hnry[cnrbs.

=/ Lpbh lpt`lh - tl mb ibtbra`hbi lh n knsb my knsb mns`s4 plss`mò`ty tl `hkouib n anhintlry klhvbrs`lh nt n j`xbiintb.

Ycb @ssubr uhibrtngbs tl tngb noo hbkbssnry abnsurbs tl prlplsb nt lhb lr alrb ebhbrno abbt`hes tl mb klhvbhbijlr tc`s purplsb tcb `hkrbnsb lj tcb nutclr`sbi scnrbknp`tno lj tcb Mnhg sl ns tcb nutclr`sbi scnrb knp`tno ljtcb Mnhg tl mb sujj`k`bht jlr tcb Anhintlry Klhvbrs`lh lj

noo lj tcb MKK[. Noo hbkbssnry nutclr`snt`lhs nrb tl mblmtn`hbi nt tcb intb lj `ssunhkb lj tcb MKK[.

Klht`hebhky Bvbht(s) Klrb Y`br > ]nt`l Klht`hebhky Bvbht abnh s tcb Mnhgcns e`vbh hlt`kb tcnt `ts Klrb Y`br > ]nt`l `s mbolw 5% myrbjbrbhkb tl tcb BMN ]bklaabhint`lhBMN/]BK/=6>>/>. Ycb Mnhg scnoo e`vb hlt`kb w`tclutibony wcbh `t cns bstnmo`scbi tcnt `ts Klrb Y`br > ]nt`l `s

mbolw 5%.

Jlr tcb purplsb lj tc`s `ssunhkb, tcb Klrb Y`br > ]nt`l `s


20/22

=6

bquno tl tcb ibj`h`t`lh usbi `h tcb Burlpbnh Mnhg`heNutclr`ty ("BMN")'s =6>> BR-wìb strbss tbst(cttp4//www.bmn.burlpn.bu/Hbws--Klaauh`knt`lhs/Pbnr/=6>>/Ycb-BMN-ibtnòs-tcb-BR-abnsurbs-tl-rbstlrb-klhjìb.nspx ). Yc`s ibj`h`t`lh

bxkouibs noo pr`vntb cymrì `hstruabhts wc`kc bhklapnssnoo tcb MKK[ tl mb `ssubi uhibr tc`s tbra scbbt.

Klaalh Bqu`ty Y`br > Knp`tno ]nt`l Klht`hebhkyBvbht abnhs tcnt, njtbr > Dnhunry =6>;, tcb Mnhg cnse`vbh hlt`kb tcnt `ts Klaalh Bqu`ty Y`br > Knp`tno]nt`l, `h nkklrinhkb w`tc tcb j`hno prlv`s`lhs jlr n]beuont`lh lh pruibht`no rbqu`rbabhts jlr krbi`t`hst`tut`lhs nhi `hvbstabht j`ras tl mb nilptbi my tcbBurlpbnh Rh`lh nhi tng`he `htl nkkluht tcb trnhs`t`lhnonrrnhebabhts, `s mbolw 2.>=2% W lr n obvbo cècbr tcnh2.>=2% ns ibtbra`hbi my tcb hst`tut`lh - tl mb ibtbra`hbilh n knsb my knsb mns`s Q. Ycb Mnhg scnoo e`vb hlt`kb nssllh ns `t cns bstnmo`scbi tcnt `ts Klaalh Bqu`ty Y`br >Knp`tno ]nt`l `s mbolw 2.>=2% Wlr n obvbo cècbr tcnh2.>=2% ns ibtbra`hbi my tcb hst`tut`lh - tl mb ibtbra`hbilh n knsb my knsb mns`s Q.

Ycb Klaalh Bqu`ty Y`br > Knp`tno ]nt`l Klht`hebhkyBvbht `s nppo`knmob ns lj > Dnhunry =6>;. @h nii`t`lh, tcbKlrb Y`br > ]nt`l Klht`hebhky Bvbht rban`hs nppo`knmobnjtbr > Dnhunry =6>; ns olhe ns tcb BMN ]bklaabhint`lhBMN/]BK/=6>>/> cns hlt mbbh rbpbnobi lr knhkboobi.

Z`nmò`ty Bvbht N Z`nmò`ty Bvbht `s tcb bnro`br lj4

n) n ibk`s`lh tcnt n klhvbrs`lh, w`tclut wc`kc tcb j`rawluoi mbklab hlh-v`nmob, `s hbkbssnry, ns ibtbra`hbi myWhnab lj tcb rbobvnht nutclr`tyQ7 nhi

m) tcb ibk`s`lh tl angb n pumo`k sbktlr `hdbkt`lh lj knp`tno,lr bqu`vnobht supplrt, w`tclut wc`kc tcb j`ra wluoi cnvb

mbklab hlh-v`nmob, ns ibtbra`hbi my Whnab lj tcbrbobvnht nutclr`tyQ.

W@h knsb n stntutlry npprlnkc `s konàbi, tcb konusb wòocnvb tl angb kobnr tcnt tcb dur`si`kt`lh cns nh bqu`vnobht

rbeàb h ponkbQ.
http://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspxhttp://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspxhttp://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspxhttp://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspxhttp://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspxhttp://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspxhttp://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspxhttp://www.eba.europa.eu/News--Communications/Year/2011/The-EBA-details-the-EU-measures-to-restore-confide.aspx


21/22


22/22

@@. Jlra jlr Klhj`rant`lh lj Klapo`nhkb w`tcEuìbo`hbs nhi ]bklaabhint`lhs

Abambr4

Klapbtbht nutclr`ty4

Euìbo`hbs/]bklaabhint`lhs4

Hnab4

Vls`t`lh4

Ybobpclhb huambr4

Banò niirbss4

@ na nutclr`sbi tl klhj`ra klapo`nhkb w`tc tcb Euìbo`hbs nhi/lr ]bklaabhint`lhs lhmbcnoj lj ay klapbtbht nutclr`ty4 Pbs

Ycb klapbtbht nutclr`ty klapo`bs lr `htbhis tl klapoy w`tc tcb Euìbo`hbs nhi/lr]bklaabhint`lhs4

Pbs Hl Vnrt`no klapo`nhkb

Ay klapbtbht nutclr`ty ilbs hlt, nhi ilbs hlt `htbhi tl, klapoy w`tc tcb euìbo`hbsnhi/lr ]bklaabhint`lhs jlr tcb jloolw`he rbnslhs 54

Ibtnòs lj tcb pnrt`no klapo`nhkb nhi rbnslh`he WYMKQ4

Vobnsb sbhi tc`s hlt`j`knt`lh tl

klapo`nhkbFbmn.burlpn.bu.

5 @h knsbs lj pnrt`no klapo`nhkb, pobnsb `hkouib tcb bxtbht lj klapo`nhkb nhi lj hlh-klapo`nhkb. Ycb jnkt tcnttcb klapbtbht nutclr`ty ilbs hlt `htbhi tl klapoy, juooy lr pnrt`nooy, wòo mb pumo`scbi. Ycb BMN wòo ibkìbwcbtcbr tl pumo`sc tcb rbnslhs prlvìbi my tcb klapbtbht nutclr`ty jlr hlt klapoy`he, njtbr e`v`he nivnhkbhlt`kb lj sukc pumo`knt`lh h nkklrinhkb w`tc Nrt`kob >:(;) lj tcb BMN ]beuont`lh.
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