credit institution

Defined in Article 4, Capital Requirements Regulation (CRR)

Definitions over time (3)

01/01/2025 – today applies on 11/11/2026 Article 4, Capital Requirements Regulation (CRR) Scope: Whole act

For the purposes of this Regulation, the following definitions shall apply:

‘credit institution’ means an undertaking the business of which consists of any of the following: to take deposits or other repayable funds from the public and to grant credits for its own account; to carry out any of the activities referred to in Annex I, Section A, points (3) and (6), to Directive 2014/65/EU of the European Parliament and of the Council (^{6}), where one of the following applies, but the undertaking is not a commodity and emission allowance dealer, a collective investment undertaking, an insurance undertaking, or an investment firm for which the authorisation as a credit institution is waived in accordance with Article 8a of Directive 2013/36/EU: the total value of the consolidated assets of the undertaking established in the Union, including any of its branches and subsidiaries established in a third country, is equal to or exceeds EUR 30 billion; the total value of the assets of the undertaking established in the Union, including any of its branches and subsidiaries established in a third country, is less than EUR 30 billion, and the undertaking is part of a group in which the total value of the consolidated assets of all undertakings in that group that are established in the Union, including any of their branches and subsidiaries established in a third country, that individually have total assets of less than EUR 30 billion and that carry out any of the activities referred to in Annex I, Section A, points (3) and (6), to Directive 2014/65/EU is equal to or exceeds EUR 30 billion; the total value of the assets of the undertaking established in the Union, including any of its branches and subsidiaries established in a third country, is less than EUR 30 billion, and the undertaking is part of a group in which the total value of the consolidated assets of all undertakings in the group that carry out any of the activities referred to in Annex I, Section A, points (3) and (6), to Directive 2014/65/EU, is equal to or exceeds EUR 30 billion, where the consolidating supervisor, in consultation with the supervisory college, so decides in order to address potential risks of circumvention or potential risks for financial stability of the Union; for the purposes of points (b)(ii) and (b)(iii), where the undertaking is part of a third‐country group, the total assets of each branch of the third‐country group authorised in the Union shall be included in the combined total value of the assets of all undertakings in the group;
29/06/2021 – 01/01/2025 Article 4, Capital Requirements Regulation (CRR) Scope: Whole act

For the purposes of this Regulation, the following definitions shall apply:

‘credit institution’ means an undertaking the business of which consists of any of the following: to take deposits or other repayable funds from the public and to grant credits for its own account; to carry out any of the activities referred to in points (3) and (6) of Section A of Annex I to Directive 2014/65/EU of the European Parliament and of the Council (^{6}), where one of the following applies, but the undertaking is not a commodity and emission allowance dealer, a collective investment undertaking or an insurance undertaking: the total value of the consolidated assets of the undertaking is equal to or exceeds EUR 30 billion; the total value of the assets of the undertaking is less than EUR 30 billion, and the undertaking is part of a group in which the total value of the consolidated assets of all undertakings in that group that individually have total assets of less than EUR 30 billion and that carry out any of the activities referred to in points (3) and (6) of Section A of Annex I to Directive 2014/65/EU is equal to or exceeds EUR 30 billion; or the total value of the assets of the undertaking is less than EUR 30 billion, and the undertaking is part of a group in which the total value of the consolidated assets of all undertakings in the group that carry out any of the activities referred to in points (3) and (6) of Section A of Annex I to Directive 2014/65/EU is equal to or exceeds EUR 30 billion, where the consolidating supervisor, in consultation with the supervisory college, so decides in order to address potential risks of circumvention and potential risks for the financial stability of the Union; for the purposes of points (b)(ii) and (b)(iii), where the undertaking is part of a third‐country group, the total assets of each branch of the third‐country group authorised in the Union shall be included in the combined total value of the assets of all undertakings in the group;
28/06/2013 – 29/06/2021 Article 4, Capital Requirements Regulation (CRR) Scope: Whole act

For the purposes of this Regulation, the following definitions shall apply:

‘credit institution’ means an undertaking the business of which is to take deposits or other repayable funds from the public and to grant credits for its own account;

Used in (136 places in 54 provisions on 11/11/2026)

Capital Requirements Regulation (CRR) (136 in 54)

Recital 2 · Recital 4⁴ · Recital 5 · Recital 44³ · Recital 56 · Recital 60² · Recital 79 · Recital 80 · Recital 107 · Recital 108 · Recital 122 · Recital 123 · Preamble · Article 4⁸ · Article 10 · Article 11 · Article 23 · Article 49⁴ · Article 81 · Article 82 · Article 84² · Article 93 · Article 107 · Article 113 · Article 129¹⁷ · Article 133 · Article 199³ · Article 325ah⁴ · Article 325ak⁴ · Article 325b · Article 325bd · Article 378 · Article 383p⁴ · Article 383s⁴ · Article 384 · Article 395 · Article 400⁶ · Article 411² · Article 416⁵ · Article 422⁵ · Article 424 · Article 428 · Article 428aq · Article 428h · Article 428p · Article 429a¹³ · Article 430² · Article 451 · Article 493⁶ · Article 503 · Article 509² · Article 513 · Article 520 · Annex III³