Submission #2

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FEDERATION NATIONALE DU CREDIT AGRICOLE

1. What are the respondents’ views on the scope of application of the draft guidelines?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

2. Do you see any significant obstacles to the implementation of the guidelines by the application date and if so, what are they?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

3. What are the respondents’ views on whether the requirements set in the draft guidelines are future proof, in particular in relation to technology enabled innovation (Section 4.3.2) and environmental factors and green lending (Section 4.3.3)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

4. What are the respondents’ views on the requirements for credit risk policies and procedures (Section 4.3)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

5. What are the respondents’ views on the requirements for governance for credit granting and monitoring (Section 4)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

6. What are the respondent’s views on how the guidelines capture the role of the risk management function in credit granting process?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

7. What are the respondents’ views on the requirements for collection of information and documentation for the purposes of creditworthiness assessment (Section 5.1)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

8. What are the respondents’ views on the requirements for assessment of borrower’s creditworthiness (Section 5.2)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

9. What are the respondents’ views on the scope of the asset classes and products covered in loan origination procedures (Section 5)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

10. What are the respondents’ views on the requirements for loan pricing (Section 6)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

11. What are the respondents’ views on the requirements for valuation of immovable and movable property collateral (Section 7)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

12. What are the respondents’ views on the proposed requirements on monitoring framework (Section 8)?

Please see the attached document and the different consultation responses of associations and federations (such as EACB, EBF, AFME, FBF and ASF)

Upload files CREDIT AGRICOLE comments on EBA consultation paper on Guidelines on loan origination and monitoring V def.docx

Name of organisation FEDERATION NATIONALE DU CREDIT AGRICOLE