64. Competent authorities should weight the risk factors for sectors and subjects of assessment …

Competent authorities should weight the risk factors for sectors and subjects of assessment identified under Step 1 of the RBS Model, depending on their relative importance. In this regard, there are a number of considerations that competent authorities should take the following into account:

• a) When weighting inherent risk factors, competent authorities should make an informed judgement about the relevance of different factors in relation to a sector, subsector or individual subject of assessment. In respect of individual subjects of assessment, competent authorities should take into account their sectoral or subsectoral risk assessment.
• b) The weight given to individual risk factors can vary between sectors, subsectors or subjects of assessment, but competent authorities should use similar factors for similar sectors, subsectors or subjects of assessment.
• c) Weighting of risks does not lead to a situation where it is impossible for a sector, subsector or subject of assessment to be classified as a significant or very significant risk or where all sectors, subsectors or subjects of assessment fall within the same risk category.
• d) Weighting is not unduly influenced by just one risk factor and that due consideration is given to factors that are identified by Directive (EU) 2015/849 or national legislation as always presenting a significant or high ML/TF risk. When weighting risk factors, competent authorities should ensure that one risk factor does not sway the balance of the overall weighting to a disproportionate and unreasonable assessment.

1. Prezentare generală

1.1 Referințe

1.2 Cerințe identificate

1.3 Standarde asociate

2. Cerințe identificate

3. Standarde asociate

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