What changes on 17/07/2013
The text in force from 25/03/2012 compared with the text from 17/07/2013.
275 inserted
0 amended
0 deleted
0 moved
Read the act as of 17/07/2013 · other versions: 28/06/2021 · 01/01/2022 · 09/01/2024 · 29/07/2024 · 30/12/2024 · 17/01/2025 · 11/01/2026 · 11/07/2026
Title I
- inserted Article 1 - Subject matter
- inserted Article 2 - Scope
- inserted Article 3 - Definitions
Title II
- inserted Article 4 - Designation and powers of the competent authorities
- inserted Article 5 - Coordination within Member States
- inserted Article 6 - Cooperation within the European System of Financial Supervision
- inserted Article 7 - Union dimension of supervision
Title III › Chapter 1
- inserted Article 8 - Authorisation
- inserted Article 9 - Prohibition against persons or undertakings other than credit institutions from carrying out the business of taking deposits or other repayable funds from the public
- inserted Article 10 - Programme of operations and structural organisation
- inserted Article 11 - Economic needs
- inserted Article 12 - Initial capital
- inserted Article 13 - Effective direction of the business and place of the head office
- inserted Article 14 - Shareholders and members
- inserted Article 15 - Refusal of authorisation
- inserted Article 16 - Prior consultation of the competent authorities of other Member States
- inserted Article 17 - Branches of credit institutions authorised in another Member State
- inserted Article 18 - Withdrawal of authorisation
- inserted Article 19 - Name of credit institutions
- inserted Article 20 - Notification of authorisation and withdrawal of authorisation
- inserted Article 21 - Waiver for credit institutions permanently affiliated to a central body
Title III › Chapter 2
- inserted Article 22 - Notification and assessment of proposed acquisitions
- inserted Article 23 - Assessment criteria
- inserted Article 24 - Cooperation between competent authorities
- inserted Article 25 - Notification in the case of a divestiture
- inserted Article 26 - Information obligations and penalties
- inserted Article 27 - Criteria for qualifying holdings
Title IV
- inserted Article 28 - Initial capital of investment firms
- inserted Article 29 - Initial capital of particular types of investment firms
- inserted Article 30 - Initial capital of local firms
- inserted Article 31 - Coverage for firms not authorised to hold client money or securities
- inserted Article 32 - Grandfathering provision
Title V › Chapter 1
- inserted Article 33 - Credit institutions
- inserted Article 34 - Financial institutions
Title V › Chapter 2
- inserted Article 35 - Notification requirement and interaction between competent authorities
- inserted Article 36 - Commencement of activities
- inserted Article 37 - Information about refusals
- inserted Article 38 - Aggregation of branches
Title V › Chapter 3
- inserted Article 39 - Notification procedure
Title V › Chapter 4
- inserted Article 40 - Reporting requirements
- inserted Article 41 - Measures taken by the competent authorities of the home Member State in relation to activities carried out in the host Member State
- inserted Article 42 - Reasons and communication
- inserted Article 43 - Precautionary measures
- inserted Article 44 - Powers of host Member States
- inserted Article 45 - Measures following withdrawal of authorisation
- inserted Article 46 - Advertising
Title VI
- inserted Article 47 - Notification in relation to third-country branches and conditions of access for credit institutions with such branches
- inserted Article 48 - Cooperation with supervisory authorities of third countries regarding supervision on a consolidated basis
Title VII › Chapter 1 › Section I
- inserted Article 49 - Competence of the competent authorities of the home and host Member States
- inserted Article 50 - Collaboration concerning supervision
- inserted Article 51 - Significant branches
- inserted Article 52 - On-the-spot checking and inspection of branches established in another Member State
Title VII › Chapter 1 › Section II
- inserted Article 53 - Professional secrecy
- inserted Article 54 - Use of confidential information
- inserted Article 55 - Cooperation agreements
- inserted Article 56 - Exchange of information between authorities
- inserted Article 57 - Exchange of information with oversight bodies
- inserted Article 58 - Transmission of information concerning monetary, deposit protection, systemic and payment aspects
- inserted Article 59 - Transmission of information to other entities
- inserted Article 60 - Disclosure of information obtained by on-the-spot checks and inspections
- inserted Article 61 - Disclosure of information concerning clearing and settlement services
- inserted Article 62 - Processing of personal data
Title VII › Chapter 1 › Section III
- inserted Article 63 - Duty of persons responsible for the legal control of annual and consolidated accounts
Title VII › Chapter 1 › Section IV
- inserted Article 64 - Supervisory powers and powers to impose penalties
- inserted Article 65 - Administrative penalties and other administrative measures
- inserted Article 66 - Administrative penalties and other administrative measures for breaches of authorisation requirements and requirements for acquisitions of qualifying holdings
- inserted Article 67 - Other provisions
- inserted Article 68 - Publication of administrative penalties
- inserted Article 69 - Exchange of information on penalties and maintenance of a central database by EBA
- inserted Article 70 - Effective application of penalties and exercise of powers to impose penalties by competent authorities
- inserted Article 71 - Reporting of breaches
- inserted Article 72 - Right of appeal
Title VII › Chapter 2 › Section I
- inserted Article 73 - Internal Capital
Title VII › Chapter 2 › Section II › Subsection 1
- inserted Article 74 - Internal governance and recovery and resolution plans
- inserted Article 75 - Oversight of remuneration policies
Title VII › Chapter 2 › Section II › Subsection 2
- inserted Article 76 - Treatment of risks
- inserted Article 77 - Internal Approaches for calculating own funds requirements
- inserted Article 78 - Supervisory benchmarking of internal approaches for calculating own funds requirements
- inserted Article 79 - Credit and counterparty risk
- inserted Article 80 - Residual risk
- inserted Article 81 - Concentration risk
- inserted Article 82 - Securitisation risk
- inserted Article 83 - Market risk
- inserted Article 84 - Interest risk arising from non-trading book activities
- inserted Article 85 - Operational risk
- inserted Article 86 - Liquidity risk
- inserted Article 87 - Risk of excessive leverage
Title VII › Chapter 2 › Section II › Subsection 3
- inserted Article 88 - Governance arrangements
- inserted Article 89 - Country-by-country reporting
- inserted Article 90 - Public disclosure of return on assets
- inserted Article 91 - Management body
- inserted Article 92 - Remuneration policies
- inserted Article 93 - Institutions that benefit from government intervention
- inserted Article 94 - Variable elements of remuneration
- inserted Article 95 - Remuneration Committee
- inserted Article 96 - Maintenance of a website on corporate governance and remuneration
Title VII › Chapter 2 › Section III
- inserted Article 97 - Supervisory review and evaluation
- inserted Article 98 - Technical criteria for the supervisory review and evaluation
- inserted Article 99 - Supervisory examination programme
- inserted Article 100 - Supervisory stress testing
- inserted Article 101 - Ongoing review of the permission to use internal approaches
Title VII › Chapter 2 › Section IV
- inserted Article 102 - Supervisory measures
- inserted Article 103 - Application of supervisory measures to institutions with similar risk profiles
- inserted Article 104 - Supervisory powers
- inserted Article 105 - Specific liquidity requirements
- inserted Article 106 - Specific publication requirements
- inserted Article 107 - Consistency of supervisory reviews, evaluations and supervisory measures
Title VII › Chapter 2 › Section V
- inserted Article 108 - Internal capital adequacy assessment process
- inserted Article 109 - Institutions' arrangements, processes and mechanisms
- inserted Article 110 - Review and evaluation and supervisory measures
Title VII › Chapter 3 › Section I
- inserted Article 111 - Determination of the consolidating supervisor
- inserted Article 112 - Coordination of supervisory activities by the consolidating supervisor
- inserted Article 113 - Joint decisions on institution-specific prudential requirements
- inserted Article 114 - Information requirements in emergency situations
- inserted Article 115 - Coordination and cooperation arrangements
- inserted Article 116 - Colleges of supervisors
- inserted Article 117 - Cooperation obligations
- inserted Article 118 - Checking information concerning entities in other Member States
Title VII › Chapter 3 › Section II
- inserted Article 119 - Inclusion of holding companies in consolidated supervision
- inserted Article 120 - Supervision of mixed financial holding companies
- inserted Article 121 - Qualification of directors
- inserted Article 122 - Requests for information and inspections
- inserted Article 123 - Supervision
- inserted Article 124 - Exchange of information
- inserted Article 125 - Cooperation
- inserted Article 126 - Penalties
- inserted Article 127 - Assessment of equivalence of third countries' consolidated supervision
Title VII › Chapter 4 › Section I
- inserted Article 128 - Definitions
- inserted Article 129 - Requirement to maintain a capital conservation buffer
- inserted Article 130 - Requirement to maintain an institution-specific countercyclical capital buffer
- inserted Article 131 - Global and other systemically important institutions
- inserted Article 132 - Reporting
- inserted Article 133 - Requirement to maintain a systemic risk buffer
- inserted Article 134 - Recognition of a systemic risk buffer rate
Title VII › Chapter 4 › Section II
- inserted Article 135 - ESRB guidance on setting countercyclical buffer rates
- inserted Article 136 - Setting countercyclical buffer rates
- inserted Article 137 - Recognition of countercyclical buffer rates in excess of 2,5 %
- inserted Article 138 - ESRB recommendation on third country countercyclical buffer rates
- inserted Article 139 - Decision by designated authorities on third country countercyclical buffer rates
- inserted Article 140 - Calculation of institution-specific countercyclical capital buffer rates
Title VII › Chapter 4 › Section III
- inserted Article 141 - Restrictions on distributions
- inserted Article 142 - Capital Conservation Plan
Title VIII
- inserted Article 143 - General disclosure requirements
- inserted Article 144 - Specific disclosure requirements
Title IX
- inserted Article 145 - Delegated Acts
- inserted Article 146 - Implementing Acts
- inserted Article 147 - European Banking Committee
- inserted Article 148 - Exercise of the delegation
- inserted Article 149 - Objections to regulatory technical standards
Title X
Title XI › Chapter 1
- inserted Article 151 - Scope
- inserted Article 152 - Reporting requirements
- inserted Article 153 - Measures taken by the competent authorities of the home Member State in relation to activities carried out in the host Member State
- inserted Article 154 - Precautionary measures
- inserted Article 155 - Responsibility
- inserted Article 156 - Liquidity supervision
- inserted Article 157 - Collaboration concerning supervision
- inserted Article 158 - Significant branches
- inserted Article 159 - On-the-spot checks
Title XI › Chapter 2
Title XI › Chapter 3
- inserted Article 161 - Review and report
- inserted Article 162 - Transposition
- inserted Article 163 - Repeal
- inserted Article 164 - Entry into force
- inserted Article 165 - Addressees
Outside any heading
- inserted Recital 1
- inserted Recital 2
- inserted Recital 3
- inserted Recital 4
- inserted Recital 5
- inserted Recital 6
- inserted Recital 7
- inserted Recital 8
- inserted Recital 9
- inserted Recital 10
- inserted Recital 11
- inserted Recital 12
- inserted Recital 13
- inserted Recital 14
- inserted Recital 15
- inserted Recital 16
- inserted Recital 17
- inserted Recital 18
- inserted Recital 19
- inserted Recital 20
- inserted Recital 21
- inserted Recital 22
- inserted Recital 23
- inserted Recital 24
- inserted Recital 25
- inserted Recital 26
- inserted Recital 27
- inserted Recital 28
- inserted Recital 29
- inserted Recital 30
- inserted Recital 31
- inserted Recital 32
- inserted Recital 33
- inserted Recital 34
- inserted Recital 35
- inserted Recital 36
- inserted Recital 37
- inserted Recital 38
- inserted Recital 39
- inserted Recital 40
- inserted Recital 41
- inserted Recital 42
- inserted Recital 43
- inserted Recital 44
- inserted Recital 45
- inserted Recital 46
- inserted Recital 47
- inserted Recital 48
- inserted Recital 49
- inserted Recital 50
- inserted Recital 51
- inserted Recital 52
- inserted Recital 53
- inserted Recital 54
- inserted Recital 55
- inserted Recital 56
- inserted Recital 57
- inserted Recital 58
- inserted Recital 59
- inserted Recital 60
- inserted Recital 61
- inserted Recital 62
- inserted Recital 63
- inserted Recital 64
- inserted Recital 65
- inserted Recital 66
- inserted Recital 67
- inserted Recital 68
- inserted Recital 69
- inserted Recital 70
- inserted Recital 71
- inserted Recital 72
- inserted Recital 73
- inserted Recital 74
- inserted Recital 75
- inserted Recital 76
- inserted Recital 77
- inserted Recital 78
- inserted Recital 79
- inserted Recital 80
- inserted Recital 81
- inserted Recital 82
- inserted Recital 83
- inserted Recital 84
- inserted Recital 85
- inserted Recital 86
- inserted Recital 87
- inserted Recital 88
- inserted Recital 89
- inserted Recital 90
- inserted Recital 91
- inserted Recital 92
- inserted Recital 93
- inserted Recital 94
- inserted Recital 95
- inserted Recital 96
- inserted Recital 97
- inserted Recital 98
- inserted Recital 99
- inserted Recital 100
- inserted Recital 101
- inserted Recital 102
- inserted Recital 103
- inserted Recital 104
- inserted Recital 105
- inserted Recital 106
- inserted Recital 107
- inserted Preamble
- inserted Annex I - LIST OF ACTIVITIES SUBJECT TO MUTUAL RECOGNITION
- inserted Annex II