I am seeking clarification for a technical question as regards large exposure for credit institutions within the EU. Part 4 (Article 387 ff.) of Regulation (EU) No 575/2013 (CRR) describes the respective legislative requirements for large exposures. According to Art. 390, No. 6(e), exposures deducted from own funds shall not be included in the large exposure calculation. We understand that the CRR, part 4, Art. 390, No. 6(e) only refers to deductions from own funds in accordance with Articles 36, 56 and 66 of the CRR, i.e. voluntary deductions are not explicitly covered. Even though Part 4 of the CRR does not contain the same wording as laid down in Article 106, No.1, Para.3 of 2006/48/E (former Capital Requirement Directive) in respect of exemption from large exposure calculation if such exposures are fully covered by own funds, we may ask you whether the former rules may also be applied under the new CRR, i.e. voluntary full deduction of exposures from own funds would also lead, assuming these own funds are not used for any purposes other than this, to the result that such exposures are not taken into consideration anymore for large exposure calculations. I would like to confirm with you that a credit institution may be allowed to exclude exposures from large exposure calculations which are fully covered by own funds and that those funds are not used for any purposes other than this. From a micro-economical perspective, this would seem to be a fully reasonable approach.