28. The subdimension 'risk profile’ should include the following elements: 6.2.a.1. non-performing …

The subdimension 'risk profile’ should include the following elements:

6.2.a.1. non-performing;

6.2.a.2. risk-weight;

6.2.a.3. total debt-to-EBITDA ratio (only for legal persons);

6.2.a.4. loan-to-value (LTV) ratio;

6.2.a.5. loan-to-income ratio (only for natural persons);

6.2.a.6. debt-to-income (DTI) ratio (only for natural persons); and

6.2.a.7. debt service-to-income ratio (only for natural persons). Elements 6.2.a.4 to 6.2.a.7 should follow the methods for measuring and calculating them and definitions set out in Annexes IV and V to Recommendation ESRB/2016/14 on closing real estate data gaps as amended by the recommendation of the European Systemic Risk Board of 21 March 2019 (ESRB/2019/3).

Elements 6.2.a.1 to 6.2.a.7 should include the indication of a threshold that should or not should be exceeded when identifying a subset of exposures.

6.3. Type of collateral

1. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

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