13. Activities that are fundamental to the value chain of core banking services referred to in …

Activities that are fundamental to the value chain of core banking services referred to in points 1, 2 and 6 of Annex I to Directive 2013/36/EU should be considered a direct extension of banking. These activities include the following:

• a. the brokerage of commercial or residential loans or deposits;
• b. loan servicing, including where it is carried out by credit servicers within the meaning of Article 3(8) of Directive (EU) 2021/2167;
• c. creditworthiness assessment of individual clients of an institution or a financial institution;
• d. debt recovery;
• e. valuation of collateral;
• f. acquisition, ownership, management and liquidation of repossessed assets; and
• g. loan intermediation and distribution through innovative channels such as crowdfunding services, peer-to-peer platforms, or marketplace lending, where these activities contribute to lending.

1. Pregled

1.1 Sklici

• Article 3 (8)

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

3. Povezani standardi

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