6. Products that are rate-driven or have preferential conditions

6.1. A deposit should be considered to be rate-driven where an institution offers an interest rate:

• (a) that significantly exceeds the average rate for similar retail products offered by their peers, given the specificities of the local deposit market,
• (b) or whose return is derived from the return on a market index or set of indices,
• (c) or whose return is derived from any market variable other than a floating interest rate.

6.2. Institutions can identify 'rate-driven' products by comparing the rate that applies to each deposit to the average paid by their peers for similar products. The term ‘ p eers’ refers to institutions with a comparable business model and size, to be defined by the institution and verified by the competent authority if deemed necessary.

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1. Übersicht

1.1 Referenzen

1.2 Identifizierte Anforderungen

1.3 Zugehörige Standards

2. Identifizierte Anforderungen

3. Zugehörige Standards

• EBA -

  EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

  DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.