+4.10 Sommarju tas - sejbiet u għoti ta’ punteġġ
---+96. Abbażi tal - valutazzjoni tal - vijabbiltà u s - sostenibbiltà tal - mudell tan - negozju, l - …
---+Score Supervisory view Considerations

4.10 Sommarju tas - sejbiet u għoti ta’ punteġġ

4.10 Sommarju tas - sejbiet u għoti ta’ punteġġ

1. Ħarsa ġenerali

,
Titlu Regolamentazzjoni
96. Abbażi tal - valutazzjoni tal - vijabbiltà u s - sostenibbiltà tal - mudell tan - negozju, l - …

Abbażi tal - valutazzjoni tal - vijabbiltà u s - sostenibbiltà tal - mudell tan - negozju, l - awtoritajiet kompetenti għandhom jiffurmaw opinjoni ġenerali dwar il - vijabbiltà tal - mudell tan - negozju u s - sostenibbiltà tal - istrateġija, u kwalunkwe riskju potenzjali għall - vijabbiltà ta’ ditta tal - investiment li joħroġ minn din il - valutazzjoni. Din l - opinjoni għandha tkun riflessa fis - sommarju tas - sejbiet, akkumpanjata minn punteġġ ta’ vijabbiltà bbażat fuq il - kunsiderazzjonijiet speċifikati fit - tabella ta’ hawn taħt.

Tabella 3. Kunsiderazzjonijiet superviżorji għall - assenjament ta’ punteġġ għall - analiżi tal - mudell tan - negozju

Perspettiva Punteġġ Kunsiderazzjonijiet superviżorja

Il- mudell tan - negozju istrateġija joħolqu u l -• • •Id- ditta tal - investiment tiġġenera redditi b’saħħithom u stabbli li huma aċċettabbli b’kunsiderazzjoni tal - aptit għar - riskju u l - istruttura ta’ finanzjament tagħha. Ma hemm l - ebda konċentrazzjoni ta’ assi materjali jew sorsi kkonċentrati mhux sostenibbli ta’ dħul. Id- ditta tal - investiment għandha pożizzjoni
1 livell baxx ta’ riskju għall - vijabbiltà tad - ditta tal - investiment.• • •kompetittiva qawwija fis - swieq magħżula tagħha strateġija li probabbli ssaħħaħha. Id- ditta tal - investiment għandha previżjonijiet finanzjarji mfassla fuq il - bażi ta’ suppożizzjonijiet plawżibbli dwar l - ambjent tan - negozju futur. Il- pjanijiet strateġiċi huma xierqa b’kunsiderazzjoni tal mudell tan - negozju attwali u l - kapaċitajiet eżekuttivi ta’ ġestjoni. Id- ditta tal - investiment tiġġenera redditi medji meta mqabbla mal - pari u/jew prestazzjoni storika li humau -
Il- mudell tan - negozju u l - 2 istrateġija livell medju - baxx joħolqu ta’•ġeneralment aċċettabbli b’kunsiderazzjoni tal - aptit għar - riskju u l - istruttura ta’ finanzjament tagħha. Hemm xi konċentrazzjonijiet ta’ assi jew sorsi
riskju għall - vijabbiltà tad - ditta tal - investiment.• • • • •kkonċentrati ta’ dħul. Id- ditta tal - investiment tiffaċċja pressjoni kompetittiva fuq il - prodotti/is - servizzi tagħha f’suq ewlieni jew swieq ewlenin. Hemm dubji dwar l - istrateġija tagħha biex tindirizza s - sitwazzjoni. Id- ditta tal - investiment għandha previżjonijiet finanzjarji mfassla fuq il - bażi ta’ suppożizzjonijiet ottimisti dwar l - ambjent tan - negozju futur . Il- pjanijiet strateġiċi huma raġonevoli b’kunsiderazzjoni tal - mudell tan - negozju attwali u kapaċitajiet eżekuttivi ta’ ġestjoni, iżda mhux mingħajr riskji. Id- ditta tal - investiment tiġġenera redditi li huma spiss dgħajfa jew mhux stabbli, jew tibbaża fuq aptit għar riskju jew struttura ta’ finanzjament biex tiġġenera redditi xierqa li jqajmu tħassib superviżorju. Hemm konċentrazzjonijiet sinifikanti ta’ assi jew sorsi kkonċentrati ta’ dħul.28 l - -
Il- mudell tan - negozju u l - istrateġija joħolqu 3 livell medju - għoli ta’ riskju għall - vijabbiltà tad - ditta tal - investiment.• • • • •Id- ditta tal - investiment għandha pożizzjoni kompetittiva dgħajfa għall - prodotti/is - servizzi tagħha fis - swieq magħżula tagħha, u jista’ jkollha ftit linji operatorji bi prospetti tajbin. Is - sehem tas - suq tad ditta tal - investiment jista’ jkun qed jonqos b’mod sinifikanti. Hemm dubji dwar l - istrateġija tagħha biex tindirizza s - sitwazzjoni. Id- ditta tal - investiment għandha previżjonijiet finanzjarji mfassla fuq il - bażi ta’ suppożizzjonijiet ottimisti żżejjed dwar l - ambjent tan - negozju futur. Il- pjanijiet strateġiċi jistgħu ma jkunux plawżibbli b’kunsiderazzjoni tal - mudell tan - negozju attwali u kapaċitajiet eżekuttivi tal - ġestjoni. Id- ditta tal - investiment tiġġenera redditi dgħajfa ħafna u instabbli ħafna, jew tibbaża fuq aptit għar - riskju jew struttura ta’ finanzjament mhux aċċettabbli biex tiġġenera redditi xierqa. Id- ditta tal - investiment għandha konċentrazzjonijiet ta’ assi estremi jew sorsi ta’ dħul ikkonċentrati mhux-l -
Il- mudell tan - negozju istrateġija joħolqu u l -•sostenibbli. Id- ditta tal - investiment għandha pożizzjoni
4 livell għoli ta’ riskju għall - vijabbiltà tad - ditta tal - investiment.• •kompetittiva ħażina ħafna għall - prodotti/is - servizzi tagħha fis - swieq magħżula tagħha u tipparteċipa f’linji operatorji bi prospetti dgħajfa ħafna. Il - pjanijiet strateġiċi x’aktarx li ma jindirizzawx is - sitwazzjoni. Id- ditta tal - investiment għandha previżjonijiet finanzjarji mfassla fuq il - bażi ta’ suppożizzjonijiet mhux realistiċi dwar l - ambjent tan - negozju futur. Il- pjanijiet strateġiċi mhumiex plawżibbli b’kunsiderazzjoni tal - mudell tan - negozju attwali u kapaċitajiet eżekuttivi ta’ ġestjoni.l - 29
Score Supervisory view Considerations
The business model and strategy pose 1 low the viability level of risk of the to• • •The investment firm generates strong and stable returns which are acceptable given its risk appetite and funding structure. There are no material asset concentrations or unsustainable concentrated sources of income. The investment firm has a strong competitive position in this. its chosen markets and a strategy likely to reinforce
investment firm.• •The investment firm has financial forecasts drawn up on the basis of plausible assumptions about the future business environment. Strategic plans are appropriate given the current business model and management execution capabilities.
2 The business model and strategy pose a•The investment firm generates average returns compared to peers and/or historic performance which
medium-low level of risk to the viability of the investment firm.• • • • • •are broadly acceptable given its risk appetite and funding structure. There are some asset concentrations or concentrated sources of income. The investment firm faces competitive pressure on its products/services in one or more key markets. Some doubt about its strategy to address the situation. The investment firm has financial forecasts drawn up on the basis of optimistic assumptions about the future business environment. Strategic plans are reasonable given the current business model and management execution capabilities, but not without risk. The investment firm generates returns that are often weak or not stable, or relies on a risk appetite or funding structure to generate appropriate returns that raise supervisory concerns. There are significant asset concentrations or concentrated sources of income.
The business model and strategy pose a 3 medium-high level of risk to the viability of the investment firm.• • • •The investment firm has a weak competitive position for its products/services in its chosen markets, and may have few business lines with good prospects. The investment firm’s market share may be declining significantly. There are doubts about its strategy to address the situation. The investment firm has financial forecasts drawn up on the basis of overly optimistic assumptions about the future business environment. Strategic plans may not be plausible given the current business model and management execution capabilities. The investment firm generates very weak and highly unstable returns, or relies on an unacceptable risk appetite or funding structure to generate appropriate returns.
The business model and strategy pose a 4 high the viability level of of risk the to• •The investment firm has extreme asset concentrations or unsustainable concentrated sources of income. The position investment for its products/services firm has a very in its poor chosen competitive markets
investment firm.• •and participates in business lines with very weak prospects. Strategic plans are very unlikely to address the situation. The investment firm has financial forecasts drawn up on the basis of very unrealistic assumptions about the future business environment. Strategic plans are not plausible given the current business model and management execution capabilities.

1.1 Referenzi

1.2 Rekwiżiti identifikati

1.3 Standards relatati

2. Rekwiżiti identifikati

Rekwiżiti
Sors Rekwiżit

3. Standards relatati

Standards
Sors Rekwiżit
  • EBA - Published by the European Banking Authority at https://www.eba.europa.eu/