Response to consultation Paper on draft Guidelines on loan origination and monitoring.

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

As the mark up (different colours, underliyings and deletions) on EBA guidelines cannot be highlighted in the boxes, please refer to the file attached.
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6. What are the respondent’s views on how the guidelines capture the role of the risk management function in credit granting process?

As the mark up (different colours, underliyings and deletions) on EBA guidelines cannot be highlighted in the boxes, please refer to the file attached.
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7. What are the respondents’ views on the requirements for collection of information and documentation for the purposes of creditworthiness assessment (Section 5.1)?

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The file attached is PDF format, as it is public. However, il you need the word version, please let me know, I shall send it by email.

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

As the mark up (different colours, underliyings and deletions) on EBA guidelines cannot be highlighted in the boxes, please refer to the file attached.
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9. What are the respondents’ views on the scope of the asset classes and products covered in loan origination procedures (Section 5)?

As the mark up (different colours, underliyings and deletions) on EBA guidelines cannot be highlighted in the boxes, please refer to the file attached.
The file attached is PDF format, as it is public. However, il you need the word version, please let me know, I shall send it by email.

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

As the mark up (different colours, underliyings and deletions) on EBA guidelines cannot be highlighted in the boxes, please refer to the file attached.
The file attached is PDF format, as it is public. However, il you need the word version, please let me know, I shall send it by email.

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

As the mark up (different colours, underliyings and deletions) on EBA guidelines cannot be highlighted in the boxes, please refer to the file attached.
The file attached is PDF format, as it is public. However, il you need the word version, please let me know, I shall send it by email.

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

As the mark up (different colours, underliyings and deletions) on EBA guidelines cannot be highlighted in the boxes, please refer to the file attached.
The file attached is PDF format, as it is public. However, il you need the word version, please let me know, I shall send it by email.

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Name of organisation

BNP PARIBAS