BETA

23 Amendments of Markus FERBER related to 2018/0060(COD)

Proposal for a regulation
Recital 5

(5) The prudential backstop should not prevent competent authorities from exercising their supervisory powers in accordance with Directive 2013/36/EU. Where competent authorities ascertain on a case-by-case basis that, despite the application of the prudential backstop for NPEs established in this Regulation, the NPEs of a specific institution are not sufficiently covered, they may make use of the supervisory powers envisaged in Directive 2013/36/EU, including the power referred to in Article 104(1)(d) of that Directive. The provisions set out in this Regulation shall therefore not prevent competent authorities to apply supervisory discretion and go beyond the minimum provisioning under this Regulation if this is required on a case-by-case basis.

2018/11/23
Committee: ECON

Proposal for a regulation
Recital 9

(9) A ~~different~~uniform calendar should be applied ~~depending~~irrespective onf whether the exposure is non-performing because the obligor is past due more than 90 days or if it is non-performing for other reasons. In the first case, the minimum coverage requirement should be higher as the institution has not received any payment from the obligor over a long period. In the second case, there should be no full coverage requirement as there is still some repayment or a higher probability of repayment.

2018/11/23
Committee: ECON

Proposal for a regulation
Recital 10

(10) When an exposure is classified as non-performing for reasons other than being past due more than 90 days and subsequently becomes past due more than 90 days, it should be subject to the stricter calendar applicable for NPEs being past due more than 90 days. The new calendar should not be retroactive and should apply from the day the exposure becomes past due more than 90 days. However, the factor to be applied should be the one which would have been applicable if the exposure had, from the beginning, been classified as NPE because it was past due more than 90 days.deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 2 – point a

(a) 0.354 for the unsecured part of a non- performing exposure to be applied during the period between one year and two years following its classification as non- performing~~, where the obligor is past due more than 90 days~~;

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 2 – point b

(b) 0.28 for the unsecured part of a non-performing exposure to be applied during the period between one year and two years following its classification as non-performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 2 – point d

(d) 0.8 for the unsecured part of a non-performing exposure to be applied as of the first day of the second year following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point a

(a) 0.051 for the secured part of a non- performing exposure to be applied during the period between one year and two years following its classification as non- performing~~, where the obligor is past due more than 90 days;~~.

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point b

(b) 0.04 for the secured part of a non- performing exposure to be applied during the period between one year and two years following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point c

(c) 0.125 for the secured part of a non- performing exposure to be applied during the period between two and three years following its classification as non- performing~~, where the obligor is past due more than 90 days~~;

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point d

(d) 0.08 for the secured part of a non- performing exposure to be applied during the period between two and three years following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point e

(e) 0.~~175~~4 for the secured part of a non- performing exposure to be applied during the period between three and four years following its classification as non- performing~~, where the obligor is past due more than 90 days;~~.

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point f

(f) 0.14 for the secured part of a non- performing exposure to be applied during the period between three and four years following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point g

(g) 0.2755 for the secured part of a non- performing exposure to be applied during the period between four and five years following its classification as non- performing~~, where the obligor is past due more than 90 days;~~.

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point h

(h) 0.22 for the secured part of a non- performing exposure to be applied during the period between four and five years following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point i

(i) 0.47 for the secured part of a non- performing exposure to be applied during the period between five and six years following its classification as non- performing~~, where the obligor is past due more than 90 days;~~.

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point j

(j) 0.32 for the secured part of a non- performing exposure to be applied during the period between five and six years following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point k

(k) 0.585 for the secured part of a non- performing exposure to be applied during the period between six and seven years following its classification as non- performing~~, where the obligor is past due more than 90 days;~~.

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point l

(l) 0.44 for the secured part of a non- performing exposure to be applied during the period between six and seven years following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point m

(m) ~~0.75~~1.00 for the secured part of a non- performing exposure to be applied ~~during the period between seven and eight~~from the 1st day of the seventh years following its classification as non- performing~~, where the obligor is past due more than 90 days;~~.

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point n

(n) 0.6 for the secured part of a non- performing exposure to be applied during the period between seven and eight years following its classification as non- performing, where the obligor is not past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point o

(o) 1 for the secured part of a non- performing exposure to be applied as of the first day of the eighth year following its classification as non-performing, where the obligor is past due more than 90 days;deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 3 – point p

(p) 0.8 for the secured part of a non- performing exposure to be applied as of the first day of the eighth year following its classification as non-performing, where the obligor is not past due more than 90 days.deleted

2018/11/23
Committee: ECON

Proposal for a regulation
Article 1 – paragraph 2

Regulation (EU) No 575/2013
Article 47c – paragraph 4 a (new)

4 a. In order to determine the relevant amount of insufficient coverage on the basis of the factors of paragraphs 2 and 3, the following multipliers shall apply: (a) For credit institutions with non- performing exposures up to three percent of their total exposures, a multiplier of 0.00; (b) For credit institutions with non- performing exposures between three and five percent of their total exposures, a multiplier of 0.50; (c) For credit institutions with non- performing exposures between five and ten percent of their total exposures, a multiplier of 1; (d) For credit institutions with non- performing exposures in excess of ten percent of their total exposures, a multiplier of 1.2.

2018/11/23
Committee: ECON