Question ID:
2020_5551
Legal Act:
Regulation (EU) No 575/2013 (CRR)
Topic:
Credit risk
Article:
501a
COM Delegated or Implementing Acts/RTS/ITS/GLs/Recommendations:
Not applicable
Article/Paragraph:
n/a
Disclose name of institution / entity:
No
Type of submitter:
Individual
Subject Matter:
Unterstützungsfaktor für Infrastrukturprojekte - Supporting factor for infrastructure projects
Question:

Darf ein Institut den KMU-Unterstützungsfaktor und gleichzeitig den Unterstützungsfaktor für Infrastrukturprojekte anwenden?

Is an institution allowed to apply the supporting factor for SMEs and the supporting factor for infrastructure projects simultaneously?

Background on the question:

Es ist gemäß den neuen Bestimmungen nicht ganz klar, ob beide Unterstützungsfaktoren gleichzeitig zur Anwendung gelangen dürfen, sofern die entsprechenden Voraussetzungen erfüllt sind.

Under the new provisions, it is not entirely clear whether, provided that the relevant conditions are met, both supporting factors may be applied simultaneously.

In accordance with Article 501a CRR, a risk position can be multiplied by 0.75 if the risk position can be assigned to the risk position class "company" and further criteria are met. The question now arises for the institution as to whether the SME support factor in accordance with Article 501 CRR can also be used if the borrower is an SME.

Example:

An SME takes out a loan of 500,000 euros to expand the infrastructure for e-mobility in the city.

RWA = 500,000 x 0.75 x 0.7619 = 285,712.50

Date of submission:
14/10/2020
Status:
Question under review
Answer prepared by:
Answer prepared by the European Commission because it is a matter of interpretation of Union law.
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