Question ID
2025_7557
Legal act
Regulation (EU) No 575/2013 (CRR)
Topic
Supervisory reporting - Liquidity (LCR, NSFR, AMM)
Article
Point (c) of Article 428ad and Point (c) of 428ag CRR
Paragraph
Point (c) of 428ag
Subparagraph
Not applicable
COM Delegated or Implementing Acts/RTS/ITS/GLs/Recommendations
Not applicable
Article/Paragraph
Not applicable
Type of submitter
Other
Subject matter
Loans for ADC (Loan for Acquisition, Development and Construction) with underlying exposure residential mortgage
Question

Considering Basel IV (CRR3) was published after the latest NSFR template instructions. Our interpretation is that there are two possibilities:

EBA keep the existing wording allowing only exposures secured by mortgages on residential property or

EBA amends the wording for NSFR c80 row 0810 and allows any exposures secured by mortgages and loans on residential property.

Background on the question

(EU) 575 / 2013 - Point (c) of 428ag says; 

(c) unencumbered loans with a residual maturity of one year or more, excluding loans to financial customers and loans referred to in Articles 428r to 428af, which are not past due for more than 90 days and which are assigned a risk weight of more than 35 % in accordance with Chapter 2 of Title II of Part Three;

Submission date
Rejected publishing date
Rationale for rejection

This question has been rejected because EBA guidance or clarification is not needed. This can be the case where harmonisation of practices through the Q&A process is not considered necessary; or that the issue is not material, for example because it is considered to be relevant only to a limited set of institutions or other stakeholders.

Status
Rejected question