44. The requirement referred to in Article 26b(11), point (b), of Regulation (EU) 2017/2402 should …

The requirement referred to in Article 26b(11), point (b), of Regulation (EU) 2017/2402 should be understood as being limited to exposures to debtors or guarantors to which both of the following conditions apply at the time of origination of the underlying exposure:

• a. the debtor or guarantor is explicitly flagged in a credit registry as an entity with adverse credit history due to a negative status or negative information stored in the credit registry;
• b. the debtor or guarantor is on the credit registry for reasons that are relevant to the purposes of the credit risk assessment.

Risk of contractually agreed payments not being made being significantly higher than for comparable exposures

1. Overview

1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

3. Related Standards

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