Transcription of Final Report - European Banking Authority
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Final Report - European Banking Authority
Final Report GUIDELINES ON LOAN ORIGINATION AND monitoring 1 EBA/GL/2020/06 29 May 2020 Final Report Guidelines on loan origination and monitoring Final Report GUIDELINES ON LOAN ORIGINATION AND monitoring 2 Contents Executive Summary 4 Background and rationale 6 Guidelines 12 1. Compliance and reporting obligations 13 2. Subject matter, scope and definitions 14 Addressees 15 Definitions 15 Proportionality 17 3. Implementation 18 4. Internal governance for credit granting and monitoring 19 Credit risk governance and culture 19 Responsibilities of the management body 19 Credit risk culture 20 Credit risk appetite, strategy and credit risk limits 20 Credit risk policies and procedures 21 Anti-money laundering and counter-terrorist financing policies and procedures 23 Leveraged transactions 24 Technology-enabled innovation for credit granting 25 Models for creditworthiness assessment and credit decision-making 26 Environmental, social and governance factors 26 Environmentally sustainable lending 27 Data infrastructure 27 Credit decision-making 28 Objectivity and impartiality in credit decision-making 29 Credit risk management and internal control frameworks 30 Resources and skills 32 Remuneration 32 5.
Monitoring framework 60 8.1 General provisions for the credit risk monitoring framework 60 8.2 Monitoring of credit exposures and borrowers 62 8.3 Regular credit review of borrowers 63 8.4 Monitoring of covenants 64 8.5 Use of early warning indicators/watch lists in credit monitoring 64 Annex 1 — Credit-granting criteria 68 ...
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