EBA欧洲银行-EBA-GL-2018-06-CT-GLs-on-management-of-non-performing-and-forborne-exposures_6页_404kb

EBA Guidelines on Management of Non-Performing and Forborne Exposures Compliance Summary

Overview

The EBA/GL/2018/06 document outlines the compliance status of various competent authorities across EU Member States, EEA-EFTA States, and European Territories with the EBA Guidelines on management of non-performing and forborne exposures (NPE GL). The guidelines were issued on 31 October 2018 and became applicable on 30 June 2019. The purpose of these guidelines is to enhance the management of non-performing exposures (NPEs) and forborne exposures (FBEs) within the banking sector.

Core Content

The EBA Guidelines on management of non-performing and forborne exposures aim to:

• Improve the identification, classification, and management of non-performing and forborne exposures.
• Promote transparency, consistency, and proportionality in supervisory practices.
• Encourage sound risk management and effective governance in banks.
• Ensure that banks have a clear strategy for dealing with NPEs and FBEs.

Compliance Status

EEA-EFTA and European Territories

Notes

• The EEA States not in the EU are not required to notify compliance with EBA guidelines, and the table reflects voluntary submissions.
• If a competent authority intends to comply after the application date (30 June 2019), it will be marked as non-compliant unless:
  • The guidelines apply to non-existent institutions/instruments, or
  • Legislative or regulatory proceedings have been initiated.
• The EBA does not take responsibility for the accuracy of the information provided by competent authorities.
• For further details on any competent authority's compliance status, direct contact with the authority is recommended.

Key Information

• Application Date: 30 June 2019
• Guidelines Focus: Management of non-performing and forborne exposures, including strategy, governance, and collateral valuation.
• Compliance Status: Most competent authorities intend to comply by the application date, with some already compliant or planning to align their regulations by the end of 2020.
• Non-compliance: The Bank of Italy is not compliant and has stated that it does not plan to apply the 5% NPL ratio threshold for selecting banks.
• Special Cases: The PRA (UK) is still evaluating the need for a common threshold for collateral valuation. Iceland excludes part 7 of the guidelines and will apply them from 1 January 2021 onwards.