+Artikolu 3 Artikolu 178(2)(d) tar-Regolament (UE) Nru 575/2013: limitu minimu għall-evalwazzjoni tal-materjalità tal-obbligu ta' kreditu li jkun dovut
---+Article 3 1.
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Artikolu 3 Artikolu 178(2)(d) tar-Regolament (UE) Nru 575/2013: limitu minimu għall-evalwazzjoni tal-materjalità tal-obbligu ta' kreditu li jkun dovut
Artikolu 3 Artikolu 178(2)(d) tar-Regolament (UE) Nru 575/2013: limitu minimu għall-evalwazzjoni tal-materjalità tal-obbligu ta' kreditu li jkun dovut 1. Għall-fini tal-Artikolu 178(2)(d) tar-Regolament (UE) Nru 575/2013, l-istituzzjonijiet ta' kreditu għandhom jivvalutaw il-materjalità ta' obbligu ta' kreditu li jkun dovut kontra l-limitu minimu li ġej, li jinkludi żewġ komponenti:
(a)
limitu f'termini ta' somom tal-ammonti kollha dovuti mill-obbligant lill-istituzzjoni ta' kreditu, lill-impriża prinċipali ta' dik l-istituzzjoni ta' kreditu jew lil kwalunkwe sussidjarja tagħha (iktar 'il quddiem “l-obbligu ta' kreditu li jkun dovut”) ta':
(i)
għall-iskoperturi bl-imnut, EUR 100;
(ii)
għall-iskoperturi li m'humiex skoperturi bl-imnut, ta' EUR 500; u
(b)
limitu f'termini tal-ammont tal-obbligu ta' kreditu li jkun dovut b'rabta mal-ammont totali tal-iskoperturi kollha fuq il-karta tal-bilanċ għal dak l-obbligant għall-istituzzjoni ta' kreditu, l-impriża prinċipali jew kwalunkwe sussidjarja tagħha, esklużi skoperturi ta 1 %.
2. Għal istituzzjonijiet ta' kreditu li japplikaw id-definizzjoni ta' inadempjenza stipulata fil-punti (a) u (b) tal-ewwel subparagrafu tal-Artikolu 178(1) tar-Regolament (UE) Nru 575/2013 għal skoperturi bl-imnut fil-faċilità ta' kreditu individwali, il-limitu stabbilit fil-paragrafu 1 għandu japplika fil-livell tal-faċilità ta' kreditu individwali mogħtija lill-obbligant mill-istituzzjoni ta' kreditu, l-impriża prinċipali jew kwalunkwe waħda mis-sussidjarji tagħha.
▼C1
3. Inadempjenza għandha titqies li sseħħ meta ż-żewġ limiti stipulati fil-punti (a) u (b) tal-paragrafu 1 jinqabżu għal iktar minn 90 jum konsekuttiv.
▼B
1. Ħarsa ġenerali
| Titlu |
Regolamentazzjoni |
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Article 3 1.
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For the purpose of Article 178(2)(d) of Regulation (EU) No 575/2013, credit institutions shall assess the materiality of a credit obligation past due against the following threshold, which comprises two components:
(a)
a limit in terms of the sum of all amounts past due owed by the obligor to the credit institution, the parent undertaking of that credit institution or any of its subsidiaries (hereinafter the ‘credit obligation past due’), equal:
(i)
for retail exposures, to EUR 100;
(ii)
for exposures other than retail exposures, to EUR 500; and
(b)
a limit in terms of the amount of the credit obligation past due in relation to the total amount of all on-balance sheet exposures to that obligor for the credit institution, the parent undertaking or any of its subsidiaries, excluding equity exposures, equal to 1 %.
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Article 3 2.
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For credit institutions applying the definition of default laid down in points (a) and (b) of the first subparagraph of Article 178(1) of Regulation (EU) No 575/2013 for retail exposures at the level of an individual credit facility, the threshold laid down in paragraph 1 shall apply at the level of the individual credit facility granted to the obligor by the credit institution, the parent undertaking or any of its subsidiaries.
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Article 3 3.
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A default shall be deemed to have occurred when both of the limits set out in points (a) and (b) of paragraph 1 are exceeded for more than 90 consecutive days.
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1.1 Referenzi
1.2 Rekwiżiti identifikati
1.3 Standards relatati
2. Rekwiżiti identifikati
3. Standards relatati
- Builddate: 26.11.2018 00:00:00 -Doknr: CELEX:32018R1845
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