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["Tool for calculating professional indemnity insurance or comparable guarantee under PSD2"]
["This calculation tool is designed to help determining the minimum monetary amount of professional indemnity insurance (PII) or comparable guarantee for the provision of account information services (AIS) and/or payment initiation services (PIS), as set out in Article 5(4) of the revised Payment Services Directive (PSD2) and the supporting EBA Guidelines (EBA/GL/2017/08).\nThe EBA provides this tool for general information purposes only. While the EBA strives to make this information provided in the tool as timely and accurately as possible, the EBA makes no claims, promises, or guarantees about its accuracy and expressly disclaims liability for errors and omissions."]
["For further information please consult (EBA/GL/2017/08)."]
["Initial questions"]
["Does the undertaking provide/intend to provide only PIS, only AIS, or both PIS and AIS? "]
["Has the undertaking offered services in the previous 12 months?"]
["Did the undertaking provide any forecasted value for providing the services?"]
["Does the undertaking engage in business other than providing payment services?"]
[{"$f":"\"Does the undertaking have a guarantee that covers its liabilities arising from these activities?\"","v":"Does the undertaking have a guarantee that covers its liabilities arising from these activities?"}]
[null,null,null,null,null,{"$f":"SUM(H10:K10)","v":0}]
["Professional indemnity insurance or comparable guarantee for undertakings providing/intending to provide only PIS "]
["Guideline №","Indicator","Annual value"]
[{"$f":"IF($C$6=\"Yes\",\"5.1-5.2\",IF($C$6=\"No\",\"5.3-5.4\",\"5.1-5.2-5.3-5.4\"))","v":"5.1-5.2-5.3-5.4"},{"$f":"IF(ISBLANK($C$6),\"Value of all requests for refunds received (EUR/previous 12 months)\",IF($C$6=\"Yes\",\"Value of all requests for refunds received (EUR/previous 12 months)\",\"Forecasted value of requests for refunds (EUR/12 months)\"))","v":"Value of all requests for refunds received (EUR/previous 12 months)"}]
[{"$f":"IF($C$6=\"Yes\",\"5.5\",IF($C$6=\"No\",\"5.6-5.7\",\"5.5-5.6-5.7\"))","v":"5.5-5.6-5.7"},{"$f":"IF(ISBLANK($C$6),\"Number of initiated payment transactions (units/previous 12 months)\",IF($C$6=\"Yes\",\"Number of initiated payment transactions (units/previous 12 months)\",\"Forecasted number of initiated payment transactions (units/12 months)\"))","v":"Number of initiated payment transactions (units/previous 12 months)"},null,{"$f":"(MAX(IF(C14<=10000,40/100*C14,IF(C14<=100000,(40/100*10000+25/100*(C14-10000)),IF(C14<=1000000,(40/100*10000+25/100*(90000)+10/100*(C14-100000)),IF(C14<=10000000,(40/100*10000+25/100*(90000)+10/100*(900000))+5/100*(C14-1000000),IF(C14>10000000,(40/100*10000+25/100*90000+10/100*900000+5/100*9000000+0.025/100*(C14-10000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C13>0,D14>0),C13+D14,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(C13<50000,50000,C13)+IF(D14<50000,50000,D14),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),100000,0)","v":0}]
[{"$f":"IF($C$9=\"Yes\",\"6.6\",IF($C$9=\"No\",\"6.5\",\"6.5-6.6\"))","v":"6.5-6.6"},"Engagement in business other than providing payment services",{"$f":"IF($C$9=\"No\",50000,0)","v":0}]
[{"$f":"IF($C$6=\"Yes\",\"7.1\",IF($C$6=\"No\",\"7.3-7.4\",\"7.1-7.3-7.4\"))","v":"7.1-7.3-7.4"},{"$f":"IF(ISBLANK($C$6),\"Value of initiated payment transactions (EUR/previous 12 months)\",IF($C$6=\"Yes\",\"Value of initiated payment transactions (EUR/previous 12 months)\",\"Forecasted value of initiated payment transactions (EUR/12 months)\"))","v":"Value of initiated payment transactions (EUR/previous 12 months)"},null,{"$f":"(MAX(IF(C16<=500000,40/100*C16,IF(C16<=1000000,(40/100*500000+25/100*(C16-500000)),IF(C16<=5000000,(40/100*500000+25/100*(500000)+10/100*(C16-1000000)),IF(C16<=10000000,(40/100*500000+25/100*(500000)+10/100*(4000000))+5/100*(C16-5000000),IF(C16>10000000,(40/100*500000+25/100*500000+10/100*4000000+5/100*5000000+0.025/100*(C16-10000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C16>0),D16,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(D16<50000,50000,D16),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),50000,0)","v":0}]
["Minimum monetary amount of PII or comparable guarantee (EUR)"]
["Formula*",null,"Annual value "]
["(+) Amount reflective of risk profile criterion",null,{"$f":"IF(OR(ISBLANK(C14),ISBLANK(C13)),\"\",IF(SUM(E14:G14)>0,SUM(E14:G14),\"\"))","v":""}]
["(+) Amount reflective of type of activity criterion",null,{"$f":"IF(C15>0,C15,\"\")","v":""}]
["(+) Amount reflective of size of activity criterion",null,{"$f":"IF(OR(ISBLANK(C16)),\"\",IF(SUM(E16:G16)>0,SUM(E16:G16),\"\"))","v":""}]
["(=) Minimum monetary amount of PII or comparable guarantee (EUR)",null,{"$f":"IF(SUM(C19:C21)>0,SUM(C19:C21),\"\")","v":""}]
[]
[]
["Professional indemnity insurance or comparable guarantee for undertakings providing/inteding to provide only AIS "]
["Guideline №","Indicator","Annual value"]
[{"$f":"IF($C$6=\"Yes\",\"5.1-5.2\",IF($C$6=\"No\",\"5.3-5.4\",\"5.1-5.2-5.3-5.4\"))","v":"5.1-5.2-5.3-5.4"},{"$f":"IF(ISBLANK($C$6),\"Value of all requests for refunds received (EUR/previous 12 months)\",IF($C$6=\"Yes\",\"Value of all requests for refunds received (EUR/previous 12 months)\",\"Forecasted value of requests for refunds (EUR/12 months)\"))","v":"Value of all requests for refunds received (EUR/previous 12 months)"}]
[{"$f":"IF($C$6=\"Yes\",\"5.8\",IF($C$6=\"No\",\"5.9-5.10\",\"5.8-5.9-5.10\"))","v":"5.8-5.9-5.10"},{"$f":"IF(ISBLANK($C$6),\"Number of accessed payment accounts (units/previous 12 months) \",IF($C$6=\"Yes\",\"Number of accessed payment accounts (units/previous 12 months) \",\"Forecasted number of accessed payment accounts (units/12 months)\"))","v":"Number of accessed payment accounts (units/previous 12 months) "},null,{"$f":"(MAX(IF(C28<=10000,40/100*C28,IF(C28<=100000,(40/100*10000+25/100*(C28-10000)),IF(C28<=1000000,(40/100*10000+25/100*(90000)+10/100*(C28-100000)),IF(C28<=10000000,(40/100*10000+25/100*(90000)+10/100*(900000))+5/100*(C28-1000000),IF(C28>10000000,(40/100*10000+25/100*90000+10/100*900000+5/100*9000000+0.025/100*(C28-10000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C27>0,D28>0),C27+D28,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(C27<50000,50000,C27)+IF(D28<50000,50000,D28),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),100000,0)","v":0}]
[{"$f":"IF($C$9=\"Yes\",\"6.6\",IF($C$9=\"No\",\"6.5\",\"6.5-6.6\"))","v":"6.5-6.6"},"Engagement in business other than providing payment services",{"$f":"IF($C$9=\"No\",50000,0)","v":0}]
[{"$f":"IF($C$6=\"Yes\",\"7.2\",IF($C$6=\"No\",\"7.3-7.4\",\"7.2-7.3-7.4\"))","v":"7.2-7.3-7.4"},{"$f":"IF(ISBLANK($C$6),\"Number of users of AIS (clients/previous 12 months)\",IF($C$6=\"Yes\",\"Number of users of AIS (clients/previous 12 months)\",\"Forecasted number of users of AIS (clients/12 months)\"))","v":"Number of users of AIS (clients/previous 12 months)"},null,{"$f":"(MAX(IF(C30<=100,40/100*C30,IF(C30<=10000,(40/100*100+25/100*(C30-100)),IF(C30<=100000,(40/100*100+25/100*(9900)+10/100*(C30-10000)),IF(C30<=1000000,(40/100*100+25/100*(9900)+10/100*(90000))+5/100*(C30-100000),IF(C30>1000000,(40/100*100+25/100*9900+10/100*90000+5/100*900000+0.025/100*(C30-1000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C30>0),D30,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(D30<50000,50000,D30),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),50000,0)","v":0}]
["Minimum monetary amount of PII or comparable guarantee (EUR)"]
["Formula*",null,"Annual value"]
["(+) Amount reflective of risk profile criterion",null,{"$f":"IF(OR(ISBLANK(C28),ISBLANK(C27)),\"\",IF(SUM(E28:G28)>0,SUM(E28:G28),\"\"))","v":""}]
["(+) Amount reflective of type of activity criterion",null,{"$f":"IF(C29>0,C29,\"\")","v":""}]
["(+) Amount reflective of size of activity criterion",null,{"$f":"IF(OR(ISBLANK(C30)),\"\",IF(SUM(E30:G30)>0,SUM(E30:G30),\"\"))","v":""}]
["(=) Minimum monetary amount of PII or comparable guarantee (EUR)",null,{"$f":"IF(SUM(C33:C35)>0,SUM(C33:C35),\"\")","v":""}]
[]
[]
["Professional indemnity insurance or comparable guarantee for undertakings providing/intending to provide both PIS and AIS"]
["Guideline №","Indicator","Annual value"]
[{"$f":"IF($C$9=\"Yes\",\"6.6\",IF($C$9=\"No\",\"6.5\",\"6.5-6.6\"))","v":"6.5-6.6"},"Engagement in business other than providing payment services",{"$f":"IF($C$9=\"No\",50000,0)","v":0}]
[{"$f":"IF($C$6=\"Yes\",\"5.1-5.2\",IF($C$6=\"No\",\"5.3-5.4\",\"5.1-5.2-5.3-5.4\"))","v":"5.1-5.2-5.3-5.4"},{"$f":"IF(ISBLANK($C$6),\"Value of all requests for refunds received for PIS and AIS (EUR/previous 12 months)\",IF($C$6=\"Yes\",\"Value of all requests for refunds received for PIS and AIS (EUR/previous 12 months)\",\"Forecasted value of requests for refunds for PIS and AIS (EUR/12 months)\"))","v":"Value of all requests for refunds received for PIS and AIS (EUR/previous 12 months)"},null,null,{"$f":"IF(AND($C$6=\"YES\",C42>0),C42,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(C42<50000,50000,C42),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),50000,0)","v":0}]
["PIS Calculation"]
[{"$f":"IF($C$6=\"Yes\",\"5.5\",IF($C$6=\"No\",\"5.6-5.7\",\"5.5-5.6-5.7\"))","v":"5.5-5.6-5.7"},{"$f":"IF(ISBLANK($C$6),\"Number of initiated payment transactions (units/previous 12 months)\",IF($C$6=\"Yes\",\"Number of initiated payment transactions (units/previous 12 months)\",\"Forecasted number of initiated payment transactions (units/12 months)\"))","v":"Number of initiated payment transactions (units/previous 12 months)"},null,{"$f":"(MAX(IF(C44<=10000,40/100*C44,IF(C44<=100000,(40/100*10000+25/100*(C44-10000)),IF(C44<=1000000,(40/100*10000+25/100*(90000)+10/100*(C44-100000)),IF(C44<=10000000,(40/100*10000+25/100*(90000)+10/100*(900000))+5/100*(C44-1000000),IF(C44>10000000,(40/100*10000+25/100*90000+10/100*900000+5/100*9000000+0.025/100*(C44-10000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C44>0),D44,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(D44<50000,50000,D44),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),50000,0)","v":0}]
[{"$f":"IF($C$6=\"Yes\",\"7.1\",IF($C$6=\"No\",\"7.3-7.4\",\"7.1-7.3-7.4\"))","v":"7.1-7.3-7.4"},{"$f":"IF(ISBLANK($C$6),\"Value of initiated payment transactions (EUR/previous 12 months)\",IF($C$6=\"Yes\",\"Value of initiated payment transactions (EUR/previous 12 months)\",\"Forecasted value of initiated payment transactions (EUR/12 months)\"))","v":"Value of initiated payment transactions (EUR/previous 12 months)"},null,{"$f":"(MAX(IF(C45<=500000,40/100*C45,IF(C45<=1000000,(40/100*500000+25/100*(C45-500000)),IF(C45<=5000000,(40/100*500000+25/100*(500000)+10/100*(C45-1000000)),IF(C45<=10000000,(40/100*500000+25/100*(500000)+10/100*(4000000))+5/100*(C45-5000000),IF(C45>10000000,(40/100*500000+25/100*500000+10/100*4000000+5/100*5000000+0.025/100*(C45-10000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C45>0),D45,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(D45<50000,50000,D45),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),50000,0)","v":0}]
["AIS Calculation"]
[{"$f":"IF($C$6=\"Yes\",\"5.8\",IF($C$6=\"No\",\"5.9-5.10\",\"5.8-5.9-5.10\"))","v":"5.8-5.9-5.10"},{"$f":"IF(ISBLANK($C$6),\"Number of accessed payment accounts (units/previous 12 months) \",IF($C$6=\"Yes\",\"Number of accessed payment accounts (units/previous 12 months) \",\"Forecasted number of accessed payment accounts (units/12 months)\"))","v":"Number of accessed payment accounts (units/previous 12 months) "},null,{"$f":"(MAX(IF(C47<=10000,40/100*C47,IF(C47<=100000,(40/100*10000+25/100*(C47-10000)),IF(C47<=1000000,(40/100*10000+25/100*(90000)+10/100*(C47-100000)),IF(C47<=10000000,(40/100*10000+25/100*(90000)+10/100*(900000))+5/100*(C47-1000000),IF(C47>10000000,(40/100*10000+25/100*90000+10/100*900000+5/100*9000000+0.025/100*(C47-10000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C47>0),D47,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(D47<50000,50000,D47),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),50000,0)","v":0}]
[{"$f":"IF($C$6=\"Yes\",\"7.2\",IF($C$6=\"No\",\"7.3-7.4\",\"7.2-7.3-7.4\"))","v":"7.2-7.3-7.4"},{"$f":"IF(ISBLANK($C$6),\"Number of users of AIS (clients/previous 12 months)\",IF($C$6=\"Yes\",\"Number of users of AIS (clients/previous 12 months)\",\"Forecasted number of users of AIS (clients/12 months)\"))","v":"Number of users of AIS (clients/previous 12 months)"},null,{"$f":"(MAX(IF(C48<=100,40/100*C48,IF(C48<=10000,(40/100*100+25/100*(C48-100)),IF(C48<=100000,(40/100*100+25/100*(9900)+10/100*(C48-10000)),IF(C48<=1000000,(40/100*100+25/100*(9900)+10/100*(90000))+5/100*(C48-100000),IF(C48>1000000,(40/100*100+25/100*9900+10/100*90000+5/100*900000+0.025/100*(C48-1000000)))))))))","v":0},{"$f":"IF(AND($C$6=\"YES\",C48>0),D48,0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"YES\"),IF(D48<50000,50000,D48),0)","v":0},{"$f":"IF(AND($C$6=\"NO\",$C$7=\"NO\"),50000,0)","v":0}]
["Minimum monetary amount of PII or comparable guarantee (EUR)"]
["Formula*",null,"Annual value"]
["(+) Amount reflective of risk profile criterion",null,{"$f":"IF(OR(ISBLANK(C42),ISBLANK(C44),ISBLANK(C47)),\"\",IF(SUM(E51:G51)>0,SUM(E51:G51),\"\"))","v":""},null,{"$f":"IF(AND(E42>0,E44>0,E47>0),SUM(E42+E44+E47),0)","v":0},{"$f":"IF(AND(F42>0,F44>0,F47>0),SUM(F42+F44+F47),0)","v":0},{"$f":"IF(AND(G42>0,G44>0,G47>0),SUM(G42+G44+G47),0)","v":0}]
["(+) Amount reflective of type of activity criterion",null,{"$f":"IF(C41>0,C41,\"\")","v":""}]
["(+) Amount reflective of size of activity criterion",null,{"$f":"IF(OR(ISBLANK(C45),ISBLANK(C48)),\"\",IF(SUM(E53:G53)>0,SUM(E53:G53),\"\"))","v":""},null,{"$f":"IF(AND(E45>0,E48>0),SUM(E45+E48),0)","v":0},{"$f":"IF(AND(F45>0,F48>0),SUM(F45+F48),0)","v":0},{"$f":"IF(SUM(G45+G48)>0,SUM(G45+G48),0)","v":0}]
["(=) Minimum monetary amount of PII or comparable guarantee (EUR)    ",null,{"$f":"IF(SUM(C51:C53)>0,SUM(C51:C53),\"\")","v":""}]
[]
["Date of calculation",null,"2018-03-22",{"$f":"TODAY()","v":"2018-03-22"}]
["Period of reference (12 months)",null,"xx/xx/xxxx - xx/xx/xxxx"]