27. The credit risk culture should include an adequate ‘tone from the top’ and ensure that credit …

The credit risk culture should include an adequate ‘tone from the top’ and ensure that credit is granted to borrowers who, to the institution’s best knowledge at the time of granting the credit, will be able to fulfil the terms and conditions of the credit agreement, and is secured, when relevant, by sufficient and appropriate collateral, where relevant, and considering the impact on the institution’s capital position and profitability, and sustainability, and related environmental, social and governance (ESG) factors.

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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  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.