The COVID-19 crisis has exposed deep failings in the SME banking sector. Banking Circle lending solutions are scalable. This product also became quite popular and now has a share of 12%. SME is commonly used in general chat to call someone a "Know-it-all." The economic and banking importance of the small and medium enterprise (SME) sector is well recognized in academic and policy literature. to move beyond lending to better capture the Sme Banking opportunity. Visit ICICI bank to know more about SME banking & services. ASAP from the post. They have declared their target audience to be Small Growing Businesses. The five stages of this banking value chain are (1) understanding the market, (2) developing. This might be done through an external party providing the collateral or guarantees required. Sales turnover and number of full-time employees are the two criteria used in determining the definition with the “OR” basis as follows: For the manufacturing sector, SMEs are defined as firms with sales turnover not exceeding RM50 million OR number of full-time employees not exceeding 200. Corporate Banking deals with big accounts which are incorporated under a statute,ie Companies, Corporations etc. According to recent data from the Bank of England, the value of outstanding SME lending fell by almost one-fifth after the financial crisis, moving back to 2006 levels. There is room for more widespread usage of alternative data in the decision-making process and in assessing the creditworthiness of small businesses. 1.7 Competition in SME banking has been the subject of detailed consideration by the UK competition authorities and other bodies periodically over the last 15 years. Each country gets to set its own definition, and they may also decide to set specific limits for specific industries. ; What does SME mean? Box 1 : SME Definition: A Tricky Issue 03 Box 2 : Methods and Criteria for Bank Loan Appraisal 15. Four main findings highlight a need for commercial banks to balance two, often contradictory, forces: rapid change and traditional business models. The entity type not depending on the value of the business. Beyond banking: How banks can use ecosystems to win in the SME market 1 Beyond banking: How banks can use ecosystems to win in the SME market Small and medium-sized enterprises (SMEs) form the backbone of many economies around the world. As a result, banks may now be able to offer more loans, faster and in larger amounts, and reduce previously high security requirements. ; What does SME mean? Today’s banking market for small- and medium-sized enterprises (SMEs) is being reshaped by two, often contradictory, forces. 575/2013 (CRR) an SME is defined in accordance with Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium sized enterprises. The main obstacles to funding here appear to be on the demand rather than the supply side of the business finance market. In Abu Dhabi, a micro business is one with fewer than five employees, and a small business has more than five employees but 19 or fewer. SME Stands For: All acronyms (456) Airports & Locations (4) Business & Finance (16) Common (5) Government & Military … It's a confidential info. While online banking has been around for quite a few years compared to mobile banking, many people assume that they refer to the same thing – the two are closely related, but there are some distinct differences between them.. Online Banking. Finance SME abbreviation meaning defined here. SME Definition. According to recent data from the Bank of England, the value of outstanding SME lending fell by almost one-fifth after the financial crisis, moving back to 2006 levels. Système de Management Environnemental (French: Environmental Management System) SME. Moreover, bonds also have a specific tenure, and the bond market is, thus, not very liquid. This, coupled with the large size and inherently risky nature of many business loans, tend to limit the scope and desirability of computerized credit scoring in assessment and monitoring. SME Stands For: All acronyms (456) Airports & Locations (4) Business & Finance (16) Common (5) Government & Military … Commissioner Hayne disagreed with the banking industry that the definition be loans of up to $3 million in value. SME banking in Bangladesh. Definition and classification of an SME 2. MSMEs don’t provide the kind of rich, affordable data consumers provide. The first product introduced in SME banking by BBL in 2001 was Anonno loan, which was an any-purpose loan with a range of Tk. There has been considerable research and analysis into the methods by which banks assess and monitor business loans, manage business financing risks, and price their products – and how these methods might be further developed and improved.[15]. This study examines the viewpoint of SMEs to understand the SME banking environment and the factors that influence choice and behaviour. In research fielded by the Digital Banking Report, the percentage of mentions was almost uniform at 25% among the different organization types and asset sizes. ATM Services; Business Internet Banking; Business Loans ; Collection and Purchase of Foreign Currency Cheques; CreditAble (personal credit line) Current Accounts; Home Loans; Inward Remittance; More; Trade Financing. In the past, many organizations have operated in reactive mode regarding regarding regulations and compliance, only changing in response to regulatory orders, examination comments, … Definition of Small Enterprise: Small Enterprise refers to the firm/business which is not a public limited company and complies Retail banking is the division of a bank that deals directly with retail customers. Aggregators are multi-bank platforms, which act as intermediaries mostly in retail banking and the insurance market, but are becoming more popular in SME banking as well. task. SMEs generate 57% of value-added income and are responsible for over two-thirds of the total EU employment. However, getting SME banking right presents challenges and risks in a period of intense economic uncertainty. Bank of India provides services for Corporate, Gov. The SME and Large Enterprise Credit and Deposits statistics focus on credit and deposits at a NACE Rev.2 sector breakdown, which is comparable with other economic statistics. Muhammed Zahirul Alam | Published: February 15, 2019 20:23:44 . Some of the key products that we offer. Under Article 501 (2) (b) of Regulation (EU) No. Information based lending usually incorporates financial statement lending, Viability based financing is especially associated with. Term Loans- long-term funds to support growth, be it capacity expansion, product diversification, plant modernization or other similar requirements. [7] At a workshop hosted by The Network for Governance, Entrepreneurship & Development (GE&D) in Geneva in July 2008, SMEs that fall into this category have been defined as Small Growing Businesses (SGBs).[8]. The Scottish Government SME Loan Fund is unsecured and interest free (loans for renewable technologies are charged at 5% due to the Renewable Heat Incentive. The pain points SMEs face when it comes to digital banking are several, but the ones we seem to hear about the most are difficulty tracking and forecasting cash-flows and effectively managing account receivables and payables. Since the possible relief in capital requirements under Article 501 of the CRR is limited to exposures to SMEs, it needs to be ensured that this privilege is not extended inappropriately. Like many other developing countries, Bangladesh has utilized the traditional “blunt” approaches to rural development, such as the “green revolution” in agriculture, which was once thought to be capable of eradicating poverty through trickle-down effects on income and employment for the poor. What Does SME Mean? [16], However, business lending as a whole is substantially more diverse and complex than personal and residential mortgage lending. We know 456 definitions for SME abbreviation or acronym in 8 categories. To sum up, SMES want their digital banking experience to be: Holistic, meaning they have access to a complete overview of their finances and business needs. Many SMEs are also lacking online tools to help them better plan their day-to-day activities in order to gear their business towards growth. Definition of SME: Existing definition of SME is recommended by Better Business Forum and accepted as a uniform one by Ministry of Industry and Bangladesh Bank. Finnish SME banking service Holvi launches in UK. Finance SME abbreviation meaning defined here. For example, in the European Union (EU), a business with fewer than 250 employees is considered an SME, while in the United States, an SME may have up to 1,200 employees. Singapore Dollar Deposit Accounts, Loans & Related Services. It appears 6 times a week. Beyond banking: How banks can use ecosystems to win in the SME market 1 Beyond banking: How banks can use ecosystems to win in the SME market Small and medium-sized enterprises (SMEs) form the backbone of many economies around the world. Surface Mining Equipment. Detailed statistics are available on developments in bank lending to small and medium sized enterprises (SMEs) and to enterprises of all sizes. Possible SME meaning as an acronym, abbreviation, shorthand or slang term vary from category to category. [5], A substantial portion of the SME sector may not have the security required for conventional collateral based bank lending, nor high enough returns to attract formal venture capitalists and other risk investors. However, when assessing comparatively small and straightforward business credit applications, banks may largely rely on standardized credit scoring techniques (quantifying such things as the characteristics, assets, and cash flows of businesses/owners). Retail banking handles personal loans, vehicle loans, education loans etc. The European Banking Authority (EBA) published today a Report on small and medium enterprises (SMEs) which analyses (i) the evolution of lending trends and conditions for SMEs, (ii) the effective riskiness of EU SMEs over a full economic cycle and (iii) the consistency of own funds requirements laid down in the Capital Requirements Regulation (CRR) for credit risk on exposures In the past, a significant obstacle to applying this approach in less developed countries has been getting the information required to assess viability, plus the costs of transferring and providing business development assistance. This loan still remains the most dominant product with a share of almost 85% of the SME loan portfolio. What does SME stand for in Shipping? The "China SME Banking Report" has been added to ResearchAndMarkets.com's offering.. In the Philippines, SMEs are defined as any enterprise with 10 to 199 employees and/or assets valued from P3 million to P100 million. In this article, we review recent developments in the availability of financing for SMEs in Brazil, focusing on the greater use of equity and debt for SMEs. Get the top SME abbreviation related to Finance. The first experiments with online banking started in the early 1980s. SME Banking . It is issued by Petit Press, a. s. and its editor-in-chief is Matúš Kostolný. We know 456 definitions for SME abbreviation or acronym in 8 categories. There have been at least two distinctive approaches to try to overcome the so-called SME finance gap. A Small Enterprise is defined as : an enterprise that has fewer than 50 employees and has either an annual turnover and/or an annual Balance Sheet total not exceeding €10m Medium Sized Enterprise. A common aim or feature of the viability based approach is the provision of appropriate finance that is tailored to the cash flows of the SME. Home > SME Banking > Deposits & Banking > Rates & Bank Charges. SME financial services is a complicated business. Exports; Imports; Foreign Currency Accounts. The abbreviation "SME" is used by international organizations such as the World Bank, the European Union, the United Nations and the World Trade Organization (WTO). The State Bank of India offers many services. This is why we launched SME lending products to provide small businesses with fast access to cash, with repayment options that track their success, rather than being fixed. In 2008, a group of financial service providers and other stakeholders came together to form the Finance Alliance for Sustainable Trade (FAST). While small and medium-sized enterprises (SMEs) are important for economic growth and employment, they face numerous obstacles in accessing external finance. Making the banking of MSMEs viable requires tapping into financial technology, or FinTech, and the valuable range of data it can provide in assessing a firm’s risk profile. What does SME stand for in Finance? (Examples of use can be found below.) Looking for the definition of SME? 5. The Dubai SME definition Financial institutions provide loans to small and medium industries for arrangement of working capital, business expansion and capital machinery procurement. Corporate Banking deals with big accounts which are incorporated under a statute,ie Companies, Corporations etc. This is mainly in the form of: Thus, the second approach has been to broaden the viability based approach. Banking market The banking market consists of banks and non-banking financial companies which provide banking services to individuals like the collection of deposits, the opening of bank accounts, offering loans, etc. Unfortunately, there isn't a set definition of SME that applies globally. The first has been to broaden the collateral based approach by encouraging bank lenders to finance SMEs with insufficient collateral. The Dubai SME definition Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; asset-based finance such as factoring and invoice discounting, and government funding i… Small and Medium Enterprise (SME) Development and Financial Literacy are strategic objectives of The Banking Association. Therefore, we would gladly discuss the opportunities in greater detail with you­, if you wish to do so. 3. Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; asset-based finance such as factoring and invoice discounting,[1] and government funding in the form of grants or loans. Banks have traditionally relied on a combination of documentary sources of information, interviews and visits, and the personal knowledge and expertise of managers in assessing and monitoring business loans. Get the top SME abbreviation related to Mining. standard banking value chain framework consisting of five discrete stages and one cross-cutting. Customer management is a Customer management is a broad concept that essentially covers: (1) understanding customer needs; (2) matching customer needs "Subject Matter Expert." IFC is bringing the best of global MSME capacity building, coaching, and consulting services to emerging markets and fragile and conflict-affected situations (FCS), while maximizing inclusion and supporting small and medium-sized businesses owned and run by women. For SME we have found 456 definitions. A new organisation, Aspen Network for Development Entrepreneurs (ANDE),[13] has been created to bring the growth finance stakeholders together, with the view to evolve into an association serving the sector, similar to what venture capital or microfinance associations do. The definition of an SME is important for access to finance and EU support programmes targeted specifically at these enterprises. The repayment obligations are on the basis of the estimated cash flow of your business. Written by Ruby Hinchliffe; 27th January 2020; Holvi, the Finnish digital banking service for businesses owned by Banco Bilbao Vizcaya Argentaria (BBVA), is launching in the UK this week. Standardized computer-based assessment may also be more accurate and fairer than reliance on the personal judgments of local bank managers. In addition, markets may be characterized by deficient information (limiting the effectiveness of financial statement-based lending and credit scoring). After the success of Anonno, Apurba was introduced with a range of Tk. SME Definition . Unfortunately, such schemes are counter to basic free market principles, and they tend to be unsustainable. Its circulation in December 2006 was 76 590. SME finance is the funding of small and medium-sized enterprises, and represents a major function of the general business finance market – in which capital for different types of firms are supplied, acquired, and costed or priced. Get the top SME abbreviation related to Shipping. Under Article 501(2)(b) of Regulation (EU) No. Bank Negara Malaysia has revised the definition of SME through a notification issued on 27 December 2017 which details are as follows : Broadly, the definition has been simplified under two categories, namely : Manufacturing: Sales turnover not exceeding RM50 million OR full-time employees not exceeding 200 workers; and. FAST is an association of financial service providers explicitly committed to improving access to finance for sustainable SMEs—defined as SMEs that are compliant with one or more of a host of growing sustainability standards (such as organics, fair trade, forest stewardship council etc.). Small-to-Medium Enterprises or SMEs (see definition below) are the backbone of the EU economy. However, there are no evidence of any significant structural barriers to the supply of bank or private equity finance to suitable SME applicants on mutually satisfactory terms and conditions in Britain. Retail banking handles personal loans, vehicle loans, education loans etc. If you know that 99% of all businesses in Europe fall under the definition of an SME, you get an idea of how diverse the market looks. A medium-sized business is one with 20 or more employees but 49 or fewer, according to a decree issued by Abu Dhabi Executive Council on 30 June 2013. [14], The effective management of lending to SMEs can contribute significantly to the overall growth and profitability of banks. • The definition of small business: A key point of contention during the hearings revolved around the definition of what constitutes a small business under the Banking Code of Practice, which acts as the primary form of governance over such loans. Although there have been numerous schemes and programmes in different economic environments, there are a number of distinctive recurring approaches to SME finance. This can be accomplished through an aggregation-enabled dashboard, for example, which allows SME users to see both their personal and business accounts in one convenient place. An Introduction to the Islamic Banking Concept General Ba ckgrou nd; Islamic Branches; Investment Service The Islamic Banking Concept - an Introducation Islam has urged man to earn money through legitimate ways and to spend it wisely. For SME we have found 456 definitions. SME Banking Course Topics: 1. As technology and information sharing continue to improve, the approach could become significantly more cost-effective and attractive to established financiers with viability based approaches, and to consultants providing business development assistance to SMEs in other, more mainstream areas. This is seen as a welcome move by the SME sector and many players are opting to secure working capital loans from NBFCs or private banks as against the private lending concept that comparatively has the highest rate of interest in the market. Insufficiently high levels of profitability, gearing, liquidity, stability, and other business-financial performance criteria on the part of funding applicants. We offer a range of solutions tailor made for SMEs. Semiconductor Manufacturing … Abu Dhabi definition of an SME In Abu Dhabi, a micro business is one with fewer than five employees, and a small business has more than five employees but 19 or fewer. An institution therefore needs to have adequate current information available on an on-going basis and should be able to adequately demonstrate the fulfilment of this requirement to its competent authorities. [17], Scottish Government make available funding for small and medium sized enterprises in order to help them reduce resource usage (in particular energy) and lessen carbon impacts. With higher profitability than traditional SME finance and lower risk than traditional venture capital, this sector has been named the "growth finance sector". However, getting SME banking right presents challenges and risks in a period of intense economic uncertainty. SME banking pain points. … Therefore, there is a lot of room for digitalization here, and not only in the front end (meaning an online application form for customers). Banking technology has had to keep up with customers whose lives are increasingly demanding. They make up approximately 99.8 percent of all businesses in the Europe-28 region and employ almost 93 million people. Some investors have promoted this approach as a means of achieving wider social benefits,[12] while others have been interested in developing it largely in order to generate better financial-economic returns for shareholders, investors, employees, and clients. Here is more information about each of these definitions of SME. The abbreviation SME means "Subject Matter Expert" and "Small and Medium Enterprise." Small and mid-size enterprises (SMEs) are businesses that maintain revenues, assets or a number of employees below a … Prospect of SME banking in Bangladesh . What does SME stand for in Mining? This page was last edited on 5 July 2019, at 04:43. Meet Regulatory and Compliance Requirements. The Small Medium Enterprise (SME) Report - China 2020, provides a complete primary-research-based picture of the SME Banking market. Representing one-fifth of global banking revenues, SMEs generate around $850 billion of annual revenue for banks- a pool expected to … SME Invoice Finance is based in the UK and can be contacted at 0800-083-8835. Possible SME meaning as an acronym, abbreviation, shorthand or slang term vary from category to category. This means it does not discriminate by size, or industry, meaning any small business will be considered for a loan. SME: Solutions Middle East: SME: Square Meter Equivalent (textile trade) SME: Sun Microelectronics (Sun Microsystems, Inc.) SME: Sports Media Entertainment (broadcast outlet) SME: Semaine Mondiale de l'Entrepreneuriat (French: Global Week of Entrepreneurship) SME: Seine-Maritime Expansion (est. Because neither HDFC nor Deepak Sir (Sir because I have immense respect for him) is on quora. “Platform Plays” in European SME Banking. However, in the last several years, improved information and communications technology have made the process easier and cheaper. Please look for them carefully. products and services, (3) acquiring and screening clients, (4) serving clients, and (5) managing. SME. 575/2013 (CRR) an SME is defined in accordance with Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium sized enterprises. 'Subject Matter Expert' is one option -- get in to view more @ The Web's largest and most authoritative acronyms and abbreviations resource. [4] This has led to significant debate on the best methods to serve this sector. The South African Government has prioritised SME and informal sector development for their potential social and economic growth prospects. European Forum for Innovation Facilitators, Discussion Paper on management and supervision of ESG risks for credit institutions and investment firms, EBA regulation and institutional framework, Current procurement procedures with a value of €139,000 or more, Current procurement procedures between €15,000 and €139,000, Archived Information on ex-post publicity, Implementing FSB Key Attributes on resolution matters, Guidelines on Accounting for Expected Credit, Guidelines on communication between competent authorities and auditors, RTS on methods of prudential consolidation, Anti-Money Laundering and Countering the Financing of Terrorism, Call for input on ‘de-risking’ and its impact on access to financial services, Guidelines on risk factors and simplified and enhanced customer due diligence, Guidelines to prevent transfers of funds can be abused for ML and TF, JC Guidelines on cooperation and information exchange for AML/CFT supervision purposes, RTS on CCP to strengthen fight against financial crime, RTS on the implementation of group wide AML/CFT policies in third countries, Guidelines for cooperation between consolidating supervisors and host supervisors, Guidelines for the joint assessment and joint decision regarding the capital adequacy of cross-border groups, Guidelines for the operational functioning of colleges, Implementing Technical Standards on joint decisions on institution-specific prudential requirements, Implementing technical standards on joint decisions on prudential requirements, Recommendation amending EBA/Rec/2015/01 on the equivalence of confidentiality regimes, Regulatory and implementing technical standards on the functioning of colleges of supervisors, Consumer protection and financial innovation, Decision on specifying the benchmark rate under the Mortgage Credit Directive, Discussion Paper on automation in financial advice, Discussion Paper on innovative uses of consumer data by financial institutions, Discussion paper on draft requirements on passport notifications for credit intermediaries, Extension of the application of the Joint Committee Guidelines on complaints-handling to the new institutions under PSD2 and MCD, Guidelines for complaints-handling for the securities (ESMA) and banking (EBA) sectors, Guidelines on creditworthiness assessment, Guidelines on product oversight and governance arrangements for retail banking products, Guidelines on remuneration policies for sales staff, Guidelines on standardised fee terminology for payment accounts in the EU, Guidelines on the security of internet payments, Regulatory Technical Standards (RTS) on Professional Indemnity Insurance (PII) for mortgage credit intermediaries, Regulatory Technical Standards on the content and presentation of the KIDs for PRIIPs, Technical Advice on possible delegated acts on criteria and factors for intervention powers concerning structured deposits, Technical Standards on standardised terminology and disclosure documents under the PAD, Discussion Paper and Call for Evidence on SMEs and the SME Supporting Factor, Discussion Paper on the future of the IRB Approach, Draft Regulatory Technical Standards (RTS) on the method for the identification of the geographical location of the relevant credit exposures under Article 140(7) of the Capital Requirements Directive (CRD), Draft Regulatory Technical Standards on the calculation of credit risk adjustments, Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis, Guidelines on loan origination and monitoring, Guidelines on management of non-performing and forborne exposures, Guidelines on specification of types of exposures to be associated with high risk, Guidelines on the application of the definition of default, Guidelines on the implementation, validation and assessment of Advanced Measurement (AMA) and Internal Ratings Based (IRB) Approaches, Mechanistic references to credit ratings in the ESAs’ guidelines and recommendations, RTS on conditions for capital requirements for mortgage exposures, Regulatory Technical Standards in relation to credit valuation adjustment risk, Regulatory Technical Standards on assessment methodology for IRB approach, Regulatory Technical Standards on materiality threshold of credit obligation past due, Regulatory Technical Standards on the treatment of equity exposures under the IRB Approach, Regulatory technical standards on disclosure of information related to the countercyclical capital buffer, Regulatory technical standards on specialised lending exposures, Regulatory technical standards on the permanent and temporary use of IRB approach, External Credit Assessment Institutions (ECAI), Decision on the Use of Unsolicited Credit Assessments, Draft Implementing Technical Standards on the mapping of ECAIs credit assessments under the SA, Guidelines on the recognition of External Credit Assessment Institutions (repealed), ITS on the mapping of ECAIs Credit Assessments for securitisation positions, Revised Guidelines on the recognition of External Credit Assessment Institutions (repealed), Consultation on the Joint Committee response to the Call for Advice on the Fundamental Review of the Financial Conglomerates Directive (FICOD) received from the European Commission in April 2011, Draft Regulatory Technical Standards on the uniform conditions of application of the calculation methods for determining the amount of capital required at the level of the financial conglomerate, Guidelines on the convergence of supervisory practices relating to the consistency of supervisory coordination arrangements for financial conglomerates, Regulatory Technical Standards on risk concentration and intra-group transactions within financial conglomerates, Guidelines on ICT and security risk management, Guidelines on Internal Governance (repealed), Guidelines on internal governance (revised), Guidelines on internal governance (second revision), 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regime, Implementation Guidelines on large exposures exemptions for money transmission, correspondent banking, clearing and settlement and custody services, Regulatory Technical standards on the determination of indirect exposures to underlying clients of derivative and credit derivative contracts, Draft Implementing Technical Standards (ITS) on disclosure for leverage ratio, Defining Liquid Assets in the Liquidity Coverage ratio, Guidelines on Retail Deposits subject to higher outflows for the purposes of liquidity reporting, Guidelines on harmonised definitions and templates for funding plans of credit institutions, Guidelines on liquidity cost benefit allocation, Implementing Technical Standards (ITS) amending ITS on additional liquidity monitoring metrics, Implementing Technical Standards (ITS) on additional liquidity monitoring metrics, Implementing Technical Standards on currencies with an extremely narrow definition of central bank eligibility, Regulatory Technical Standards on 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LGDs, Guidelines on PD estimation, LGD estimation and treatment of defaulted assets, RTS and GL on estimation and identification of an economic downturn in IRB modelling, Regulatory Technical Standards on the conditions according to which competent authorities may grant permission for data waiver, Guidelines on operational risk mitigation techniques, Guidelines on the management of operational risk in market-related activities, Regulatory Technical Standards on assessment methodologies for the use of AMAs for operational risk, Amended Regulatory Technical Standards (RTS) on own funds and eligible liabilities, Discussion Paper on the impact on the volatility of own funds of the revised IAS 19 and the deduction of defined pension assets from own funds, Guidelines for Hybrid Capital Instruments, Guidelines for the identification of global systemically important institutions (G-SIIs), Guidelines on criteria to to assess other systemically important institutions (O-SIIs), Guidelines on 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resolution planning, Implementing Technical Standards on reporting of MREL decisions, Implementing Technical Standards on simplified obligations, Notifications on resolution cases and use of DGS funds, Cooperative Bank of Peloponnese Coop Ltd resolution case, RTS defining methodologies for the valuation of derivative liabilities, Recommendation on the development of recovery plans, Recommendations on the coverage of entities in a group recovery plan, Regulatory Technical Standards (RTS) on conditions for the provision of group financial support, Regulatory Technical Standards (RTS) on indirect subscription of MREL instruments within groups, Regulatory Technical Standards (RTS) on methodology to estimate P2 and CBR for setting MREL requirements, Regulatory Technical Standards on Business Reorganisation Plans, Regulatory Technical Standards on Simplified Obligations, Regulatory Technical Standards on contractual recognition of bail-in, Regulatory Technical Standards on detailed records 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package for 2019 benchmarking exercise, ITS package for 2020 benchmarking exercise, RTS and ITS 2016 on benchmarking portfolio assessment standards and assessment sharing procedures, Guidelines on Remuneration Policies and Practices, Guidelines on sound remuneration policies (second revision), Guidelines on sound remuneration policies, Guidelines on the applicable notional discount rate for variable remuneration, Guidelines on the data collection exercise regarding high earners, Guidelines on the remuneration benchmarking exercise, Regulatory Technical Standards (RTS) on classes of instruments that are appropriate to be used for the purposes of variable remuneration, Regulatory Technical Standards for the definition of material risk takers for remuneration purposes, Regulatory Technical Standards on pay out in instruments for variable remuneration under the Investment Firms Directive (IFD), Regulatory Technical Standards on the criteria to identify material risk takers under the Investment Firms Directive (IFD), Revised Regulatory Technical Standards on identified staff for remuneration purposes, CEBS Guidelines on the application of article 122a of the CRD, Discussion Paper On the Significant Risk Transfer in Securitisation, Discussion Paper on simple standard and transparent securitisations, Guidelines on implicit support for securitisation transactions, Guidelines on significant risk transfer (SRT) for securitisation transactions, Guidelines on the STS criteria for ABCP and non-ABCP securitisation, RTS on the calculation of Kirb in accordance with the purchased receivables approach, RTS on the homogeneity of the underlying exposures in securitisation, Regulatory Technical Standards (RTS) on close correspondence between the value of an institution’s covered bonds and the value of the institution’s assets relating to the institution’s own credit risk, Regulatory Technical Standards (RTS) on securitisation retention rules and Draft Implementing Technical Standards (ITS) to clarify the measures to be taken in the case of non-compliance with such obligations, Cost of compliance with supervisory reporting, Data Point Model and Taxonomies for Implementing Technical Standard (ITS) on Supervisory Reporting, Draft ITS on specific reporting requirements for market risk, Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) (2005), Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) – Recast (2006), Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) – Revision 1 (2007), Guidelines for the implementation of the framework for consolidated financial reporting (FINREP) – Revision 2 (2009), Guidelines on Common Reporting – Recast (2006), Guidelines on Common Reporting – Revision 1 (2010), Guidelines on Common Reporting – Revision 2 (2011), Guidelines on Covid -19 measures reporting and disclosure, Guidelines on supervisory reporting and disclosure requirements in compliance with CRR “quick fix” in response to the COVID‐19 pandemic, ITS on Supervisory Reporting amendments with regards to COREP LCR, ITS on Supervisory Reporting amendments with regards to COREP securitisation, ITS on Supervisory Reporting amendments with regards to FINREP, Implementing Technical Standard (ITS) on Supervisory Reporting (Asset Encumbrance), Implementing Technical Standard (ITS) on Supervisory Reporting (Forbearance and non-performing exposures), Implementing Technical Standards (ITS) on supervisory reporting changes related to CRR2 and Backstop Regulation, Implementing Technical Standards Amending Commission Implementing Regulation (EU) No 680/2014 on Supervisory Reporting of institutions - March 2015, Implementing Technical Standards Amending Commission Implementing Regulation (EU) No 680/2014 on Supervisory Reporting of institutions - March 2016, Implementing Technical Standards Amending Commission Implementing Regulation (EU) No 680/2014 on Supervisory Reporting of institutions, Implementing Technical Standards Amending Regulation (EU) No 680/2014 on Supervisory Reporting of institutions with regard to prudent valuation, Implementing Technical Standards amending Commission Implementing Regulation (EU) No 680/2014 (ITS on supervisory reporting) with regard to the Leverage Ratio (LR), Implementing Technical Standards amending Commission Implementing Regulation (EU) No 680/2014 with regard to the Liquidity Coverage Ratio, Implementing Technical Standards amending Implementing Regulation (EU) No 680/2014 with regard to operational risk and sovereign exposures, Implementing Technical Standards on Supervisory Reporting, Implementing Technical Standards on amendments to FINREP due to IFRS 9, Recommendation on the use of Legal Entity Identifier (LEI), Revised final draft ITS on reporting for v3.0, Technical Standards on reporting and disclosures requirements for investment firms, Updated Guidelines on harmonised definitions and templates for funding plans of credit institutions, Supervisory Review and Evaluation Process (SREP) and Pillar 2, Guidelines for common procedures and methodologies for the supervisory review and evaluation process (SREP) and supervisory stress testing, Guidelines on ICAAP and ILAAP information, Guidelines on ICT Risk Assessment under the SREP, Guidelines on Technical aspects of the management of interest rate risk arising from non-trading activities under the supervisory review process, Guidelines on capital measures for foreign currency lending, Guidelines on the Application of the Supervisory Review Process under Pillar 2, Guidelines on the management of concentration risk under the supervisory review process, Guidelines on the pragmatic 2020 supervisory review and evaluation process in light of the COVID-19 crisis, Third country equivalence and international cooperation, First update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, Fourth update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, Guidelines on equivalence of non-EU authorities for participation in supervisory colleges, Recommendation on the equivalence of confidentiality regimes, Second update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, Third update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, Guidelines on disclosure of encumbered and unencumbered assets, Guidelines on disclosure of non-performing and forborne exposures, Guidelines on disclosure requirements on IFRS 9 transitional arrangements, Guidelines on disclosure requirements under Part Eight of Regulation (EU), Guidelines on materiality, proprietary and confidentiality and on disclosure frequency, Guidelines to amend disclosure guidelines EBA/GL/2018/01, Implementing Technical Standards (ITS) on institutions’ public disclosures of the information referred to in Titles II and III of Part Eight of Regulation (EU) No 575/2013, Joint RTS on ESG disclosure standards for financial market participants, RTS on the disclosure of encumbered and unencumbered assets, Approach to financial technology (Fintech), Guidelines on Impact Assessment for EU Lamfalussy Level 3 Committees, Guidelines on the appropriate subsets of exposures in the application of the systemic risk buffer, Guidelines regarding revised Article 3 of Directive 2006/48/EC, ITS on the procedures and forms in respect of acquisitions and increases of qualifying holdings, Implementing Technical Standards (ITS) on the format, structure, contents list and annual publication date of the supervisory information to be disclosed by competent authorities, Joint Guidelines for the assessment of mergers and acquisitions, Joint Guidelines for the prudential assessment of acquisitions of qualifying holdings, Principles for Benchmarks-Setting Processes in the EU, RTS and ITS on the authorisation of credit institutions, Recommendation to the Bulgarian National Bank and the Bulgarian Deposit Insurance Fund, Recommendations on supervisory oversight of activities related to banks’ participation in the Euribor panel, Revised Guidelines on Supervisory Disclosure, Discussion Paper on the future changes to the EU-wide stress test, Global Systemically Important Institutions (G-SIIs), Other Systemically Important Institutions (O-SIIs), Review on the consistency of Risk Weighted Assets, Quantitative impact study/Basel III monitoring, Finalised Basel III standards (Dec 2017) – Call for Advice, Register of payment and electronic money institutions under PSD2, National registers of admitted credit intermediaries under the MCD, National competent authorities for consumer protection, EBA informs customers of UK financial institutions about the end of the Brexit transition period. 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