+15. In addition, for the purposes of these guidelines, the following definitions apply: means a …

15. In addition, for the purposes of these guidelines, the following definitions apply: means a …

In addition, for the purposes of these guidelines, the following definitions apply:

Credit decision-maker	means a credit committee or committees and individual staff members with delegated credit decision-making powers, as set out within the credit decision-making framework specified in the institutions’ policies and procedures. has the same meaning as under point (4) of paragraph (1) of
Commercial real estate	Section 2, 1. Definitions Recommendation ESRB/2016/14²² . means lending to finance environmentally sustainable economic activities. It is part of the wider concept of ‘sustainable finance’, meaning any financial instrument or
Environmentally sustainable lending	investment, including equity, debt, guarantee or a risk management tool, issued in exchange for the delivery of financing activities that meeting criteria for being environmentally sustainable. means loans and advances, as defined in Annex V to
Loan	Commission Implementing Regulation (EU) No 680/2014. means the financing of all activities of micro, small, medium-sized and large enterprises (including special purpose vehicles established for the project) involved in
Project finance	projects in which the financial servicing of credit facilities is primarily dependent on the cash flow from sales of the project, and all the assets of the project are pledged to the institution financing the project. means a single, consistent view of all of a customer’s assets and liabilities held at an institution or a creditor on a
Single customer view	consolidated basis, including information on all financial commitments, including their repayment history at the institution or the creditor. means the financing of all activities involved in the building,
Shipping finance	acquisition and operation of ships and offshore installations, when the financial servicing of credit facilities is primarily dependent on the cash flow from operating or selling these ships or offshore installations, or when the collateral is structured around the ships or offshore installations, shipbuilding or various charter arrangements. means the borrower’s total funds, cash flow and payment behaviour considerations, as registered by the credit provider at the moment of the loan origination, covering all sources of cash inflows (such as income, regular private
Source of repayment capacity	transfers — alimonies, rental income from real estate property, income from financial investments, income from private businesses or partnerships, income from other sources), funds (such as saving accounts, investment products) and regular expenses.

²² Recommendation of the European Systemic Risk Board amending Recommendation ESRB/2016/14 on closing real estate data gaps ESRB/2019/3 (OJ C 271, 13.8.2019).

1. Forbhreathnú

,

Teideal	Rialáil

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais
Foinse	Ceanglas

3. Caighdeáin ghaolmhara

Caighdeáin
Foinse	Ceanglas

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