The members of the European Association of Co-operative Banks (EACB) welcome the opportunity to comment on the BCBS review of the standardised approach (SA) for credit risk . In principle, we appreciate the overarching idea of maintaining the SA as simple as possible to allow effective implementation . However, the proposed review reveals a number of decisive criticalities that need to be addressed to avoid unintended and disproportionate negative impacts on credit institution, both those adopting the SA and those adopting IRB models.
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The members of the European Association of Co-operative Banks (EACB) welcome the opportunity to comment on the BCBS proposal for “Capital floors: the design of a framework based on standardised approaches” (SAs). We understand that work is still very preliminary, however there are a number of aspects that cannot be disregarded before moving forward with the proposal. Read more
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The European Association of Co-operative Banks (EACB) welcomes the opportunity to respond to the joint Committee Consultation Paper on guidelines for cross- selling practices.
It appreciates the efforts of the JC to look at the combined effect of legislation in the area of (retail) financial services, so as to provide national supervisory authorities with guidelines on how to best deal with practices that cut across sectors.
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