+Sub-Section 2 Technical criteria concerning the organisation and treatment of risks
---+Article 76 Treatment of risks
------+Article 76 1.
------+Article 76 2.
------+Article 76 3.
------+Article 76 4.
------+Article 76 5.
------+Article 76 6.
---+Article 77 Internal Approaches for calculating own funds requirements
------+Article 77 1.
------+Article 77 2.
------+Article 77 3.
------+Article 77 4.
---+Article 78 Tagarmharcáil mhaoirseachta a dhéanamh ar chuir chuige chun ceanglais maidir le cistí dílse a ríomh
------+Article 78 1.
------+Article 78 2.
------+Article 78 3.
------+Article 78 4.
------+Article 78 5.
------+Article 78 6.
------+Article 78 7.
------+Article 78 8.
------+Article 78 9.
---+Article 79 Credit and counterparty risk
---+Article 80 Residual risk
---+Airteagal 81 Riosca comhchruinnithe
---+Article 82 Securitisation risk
------+Article 82 1.
------+Article 82 2.
---+Article 83 Market risk
------+Article 83 1.
------+Article 83 2.
------+Article 83 3.
------+Article 83 4.
---+Airteagal 84 Riosca úis a thagann as gníomhaíochtaí leabhar neamhthrádála
------+Airteagal 84 1.
------+Airteagal 84 2.
------+Airteagal 84 3.
------+Airteagal 84 4.
------+Airteagal 84 5.
------+Airteagal 84 6.
---+Article 85 Operational risk
------+Article 85 1.
------+Article 85 2.
---+Article 86 Liquidity risk
------+Article 86 1.
------+Article 86 2.
------+Article 86 3.
------+Article 86 4.
------+Article 86 5.
------+Article 86 6.
------+Article 86 7.
------+Article 86 8.
------+Article 86 9.
------+Article 86 10.
------+Article 86 11.
---+Article 87 Risk of excessive leverage
------+Article 87 1.
------+Article 87 2.
---+Airteagal 87a Rioscaí comhshaoil, sóisialta agus rialachais
------+Airteagal 87a 1.
------+Airteagal 87a 2.
------+Airteagal 87a 3.
------+Airteagal 87a 4.
------+Airteagal 87a 5.

Sub-Section 2 Technical criteria concerning the organisation and treatment of risks

Sub-Section 2 Technical criteria concerning the organisation and treatment of risks

1. Forbhreathnú

,
Article 76 Treatment of risks
Article 77 Internal Approaches for calculating own funds requirements
Article 78 Tagarmharcáil mhaoirseachta a dhéanamh ar chuir chuige chun ceanglais maidir le cistí dílse a ríomh
Article 79 Credit and counterparty risk

Article 79

Credit and counterparty risk

Competent authorities shall ensure that:

(a) 

credit-granting is based on sound and well-defined criteria and that the process for approving, amending, renewing, and re-financing credits is clearly established;

(b) 

institutions have internal methodologies that enable them to assess the credit risk of exposures to individual obligors, securities or securitisation positions and credit risk at the portfolio level. In particular, internal methodologies shall not rely solely or mechanistically on external credit ratings. Where own funds requirements are based on a rating by an External Credit Assessment Institution (ECAI) or based on the fact that an exposure is unrated, this shall not exempt institutions from additionally considering other relevant information for assessing their allocation of internal capital;

(c) 

the ongoing administration and monitoring of the various credit risk-bearing portfolios and exposures of institutions, including for identifying and managing problem credits and for making adequate value adjustments and provisions, is operated through effective systems;

(d) 

diversification of credit portfolios is adequate given an institution's target markets and overall credit strategy;

▼M11

(e) 

déanann institiúidí measúnú ex ante ar aon neamhchosaintí ar chripteashócmhainní a bhfuil sé beartaithe acu glacadh leo agus ar leordhóthanacht na bpróiseas agus na nósanna imeachta atá ann cheana chun riosca contrapháirtí a bhainistiú, agus tuairiscíonn siad ar na measúnuithe sin dá n-údarás inniúil.

▼B

Article 80 Residual risk

Article 80

Residual risk

Competent authorities shall ensure that the risk that recognised credit risk mitigation techniques used by institutions prove less effective than expected is addressed and controlled including by means of written policies and procedures.
Airteagal 81 Riosca comhchruinnithe

▼M11

Airteagal 81

Riosca comhchruinnithe

Áiritheoidh na húdaráis inniúla go dtabharfar aghaidh ar an riosca comhchruinnithe a eascraíonn as neamhchosaintí ar gach contrapháirtí, lena n-áirítear contrapháirtithe lárnacha, grúpaí contrapháirtithe nasctha, agus contrapháirtithe san earnáil eacnamaíoch chéanna, sa réigiún geografach céanna nó sa ghníomhaíocht nó tráchtearra céanna, cur i bhfeidhm teicnící maolaithe riosca creidmheasa, agus lena n-áirítear go háirithe rioscaí a bhaineann le neamhchosaintí móra indíreacha ar chreidmheas, mar shampla eisitheoir comhthaobhachta aonair, agus go rialófar é, lena n-áirítear trí bhíthin beartais agus nósanna imeachta i scríbhinn. I gcás cripteashócmhainní gan eisitheoir inaitheanta, déanfar an riosca comhchruinnithe a mheas i dtéarmaí na neamhchosanta ar chripteashócmhainní a bhfuil gnéithe comhchosúla acu.

▼M12

Déanfaidh na húdaráis inniúla measúnú agus faireachán ar fhorbairtí i gcleachtais institiúidí maidir le bainistiú a riosca comhchruinnithe a eascraíonn as neamhchosaintí i leith contrapháirtithe lárnacha, lena n-áirítear na pleananna arna bhforbairt i gcomhréir le hAirteagal 76(2), cúigiú fomhír den Treoir seo, chomh maith leis an dul chun cinn atá déanta le linn a samhlacha gnó a oiriúnú do na ceanglais a leagtar síos in Airteagal 7a de Rialachán (AE) Uimh. 648/2012.

▼B

Article 82 Securitisation risk
Article 83 Market risk
Airteagal 84 Riosca úis a thagann as gníomhaíochtaí leabhar neamhthrádála
Article 85 Operational risk
Article 86 Liquidity risk
Article 87 Risk of excessive leverage
Airteagal 87a Rioscaí comhshaoil, sóisialta agus rialachais

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais

3. Caighdeáin ghaolmhara

Caighdeáin
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