+Article 23 Assessment criteria
---+Article 23 1.
---+Article 23 2.
---+Article 23 3.
---+Article 23 4.
---+Article 23 5.
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Article 23 Assessment criteria

1. Forbhreathnú

,
Article 23 1.

In assessing the notification provided for in Article 22(1) and the information referred to in Article 22(3), the competent authorities shall, in order to ensure the sound and prudent management of the credit institution in which an acquisition is proposed, and having regard to the likely influence of the proposed acquirer on that credit institution, assess the suitability of the proposed acquirer and the financial soundness of the proposed acquisition in accordance with the following criteria:

(a) 

the reputation of the proposed acquirer;

▼M5

(b) 

clú, eolas, scileanna agus taithí, mar a leagtar amach in Airteagal 91(1), aon chomhalta den chomhlacht bainistíochta a stiúrfaidh gnó na hinstitiúide creidmheasa mar thoradh ar an éadáil bheartaithe;

▼B

(c) 

the financial soundness of the proposed acquirer, in particular in relation to the type of business pursued and envisaged in the credit institution in which the acquisition is proposed;

(d) 

whether the credit institution will be able to comply and continue to comply with the prudential requirements based on this Directive and Regulation (EU) No 575/2013, and where applicable, other Union law, in particular Directives 2002/87/EC and 2009/110/EC, including whether the group of which it will become a part has a structure that makes it possible to exercise effective supervision, effectively exchange information among the competent authorities and determine the allocation of responsibilities among the competent authorities;

▼M11

(e) 

an bhfuil forais réasúnta ann le bheith in amhras, maidir leis an éadáil atá á beartú, go bhfuil nó go raibh sciúradh airgid nó maoiniú na sceimhlitheoireachta de réir bhrí Airteagal 1 de Threoir (AE) 2015/849 ó Pharlaimint na hEorpa agus ón gComhairle ( 11 ) ar bun nó go bhfuil iarracht air ar bun, nó go bhféadfadh an éadáil atá á beartú an riosca sin a mhéadú.

Chun measúnú a dhéanamh ar an gcritéar a leagtar síos sa chéad fhomhír, pointe (e), den mhír seo, rachaidh na húdaráis inniúla i gcomhairle, i gcomhthéacs a bhfíoraithe, leis na húdaráis atá freagrach as maoirseacht a dhéanamh ar na hinstitiúidí creidmheasa i gcomhréir le Treoir (AE) 2015/849.

Féadfaidh na húdaráis inniúla agóid a dhéanamh i gcoinne na héadála atá á beartú i gcás ina bhfuil an faighteoir féideartha suite i dtríú tír atá liostaithe mar thríú tír ardriosca ag a bhfuil easnaimh straitéiseacha ina córas maidir le frithsciúradh airgid agus comhrac mhaoiniú na sceimhlitheoireachta, i gcomhréir le hAirteagal 9 de Threoir (AE) 2015/849, nó i dtríú tír atá faoi réir bearta sriantacha de chuid an Aontais agus i gcás ina measann an t-údarás inniúil go ndéanann sé sin difear do chumas an fhaighteora fhéideartha na cleachtais agus na próisis is gá a bheith i bhfeidhm aige chun ceanglais an chórais maidir le frithsciúradh airgid agus comhrac mhaoiniú na sceimhlitheoireachta a chomhlíonadh.
Article 23 2.
The competent authorities may oppose the proposed acquisition only if there are reasonable grounds for doing so on the basis of the criteria set out in paragraph 1 or if the information provided by the proposed acquirer is incomplete.

Chun críocha na míre seo agus maidir leis an gcritéar a leagtar amach i mír 1, pointe (e), den Airteagal seo, déanfaidh na húdaráis inniúla tuairim dhiúltach ó na húdaráis atá freagrach as maoirseacht a dhéanamh ar na hinstitiúidí creidmheasa i gcomhréir le Treoir (AE) 2015/849, a fhaigheann na húdaráis inniúla laistigh de 30 lá oibre ón iarraidh tosaigh, a chur san áireamh mar is cuí agus measúnú á dhéanamh acu ar an éadáil atá á beartú agus féadfaidh tuairim dhiúltach den sórt sin a bheith ina foras réasúnta le cur i gcoinne.
Article 23 3.
Member States shall neither impose any prior conditions in respect of the level of holding that must be acquired nor allow their competent authorities to examine the proposed acquisition in terms of the economic needs of the market.
Article 23 4.
Member States shall publish a list specifying the information that is necessary to carry out the assessment and that must be provided to the competent authorities at the time of notification referred to in Article 22(1). The information required shall be proportionate and adapted to the nature of the proposed acquirer and the proposed acquisition. Member States shall not require information that is not relevant for a prudential assessment.
Article 23 5.
Notwithstanding Article 22(2), (3) and (4), where two or more proposals to acquire or increase qualifying holdings in the same credit institution have been notified to the competent authority, the latter shall treat the proposed acquirers in a non-discriminatory manner.
Article 23 6.
Forbróidh ÚBE dréachtchaighdeáin theicniúla rialála chun go sonrófar an liosta den íosmhéid faisnéise atá le soláthar ag an bhfaighteoir féideartha don údarás inniúil tráth tugtha an fhógra dá dtagraítear in Airteagal 22(1).

Chun críocha na chéad fhomhíre, cuirfidh ÚBE Teideal II de Threoir (AE) 2017/1132 ó Pharlaimint na hEorpa agus ón gComhairle ( 12 ) san áireamh.

Cuirfidh ÚBE na dréachtchaighdeáin theicniúla rialála sin faoi bhráid an Choimisiúin faoin 10 Eanáir 2026.

Tarmligfear an chumhacht chuig an gCoimisiún chun an Treoir seo a fhorlíonadh trí na caighdeáin theicniúla rialála dá dtagraítear sa chéad fhomhír den mhír seo a ghlacadh i gcomhréir le hAirteagail 10 go 14 de Rialachán (AE) Uimh. 1093/2010.

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais

3. Caighdeáin ghaolmhara

Caighdeáin
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