83. When assessing the existence of conflicts of interest referred to in paragraph 82 (b) …

When assessing the existence of conflicts of interest referred to in paragraph 82 (b), institutions should identify actual or potential conflicts of interest in accordance with the institution’s conflict of interest policy²⁴ and assess their materiality. At least the following situations that could create actual or potential conflicts of interests should be considered:

• a. economic interests (e.g. shares, other ownership rights and memberships, holdings and other economic interests in commercial customers, intellectual property rights, loans granted by the institution to a company owned by members of the management body);
• b. personal or professional relationships with the owners of qualifying holdings in the institution;
• c. personal or professional relationships with staff of the institution or entities included within the scope of prudential consolidation (e.g. close family relationships);
• d. other employments and previous employments within the recent past (e.g. five years);
• e. personal or professional relationships with relevant external stakeholders (e.g. being associated with material suppliers, consultancies or other service providers);
• f. membership in a body or ownership of a body or entity with conflicting interests;
• g. political influence or political relationships.

²⁴ Please refer to the EBA’s Guidelines on Internal Governance regarding the conflict of interest policy for staff.

1. Overview

1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

3. Related 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.

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