(4)Article 4(1) of Regulation (EU) No 575/2013 identifies a type of credit institutions which takes deposits or other repayable funds from the public and grants credits for its own account and another which is the one covered by the scope of this Regulation. Differently, credit institutions the business of which includes taking deposits or other repayable funds from the public and granting credits for its own account should follow the requirements of Delegated Regulation (EU) 2022/2580.