+29. Institutions should fully understand and assess: a) The magnitude and drivers of their NPEs: i. …

29. Institutions should fully understand and assess: a) The magnitude and drivers of their NPEs: i. …

Institutions should fully understand and assess:

  • a) The magnitude and drivers of their NPEs:
  • i. the size and evolution of NPE portfolios at an appropriate level of granularity, which requires an appropriate grouping of the exposures, as outlined in section 5.2.3;
  • ii. the drivers of NPE inflows and outflows, by portfolio where relevant;
  • iii. other potential correlations and causations.
  • b) The outcomes of NPE actions taken by the credit institution in the past:
  • i. the types and nature of actions implemented, including forbearance activities;
  • ii. the effectiveness of those activities and related drivers.
  • c) Their operational capacities (processes, tools, data quality, IT/automation, staff/expertise, decision-making, internal policies and any other relevant area for the implementation of the strategy) in relation to the various steps involved in the process, including but not limited to:
  • i. early identification of NPEs;
  • ii. forbearance activities;
  • iii. impairments and write-offs;
  • iv. collateral valuations;
  • v. recovery, legal process and foreclosure;
  • vi. management of foreclosed assets, where relevant;
  • vii. reporting and monitoring of NPEs and of the effectiveness of NPE workout solutions.

1. Forbhreathnú

,

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais

3. Caighdeáin ghaolmhara

Caighdeáin
  • EBA -

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