eba.europa.eu/sites/default/files/documents/10180/657547/a7bf5c46-2b80-4286-8771-d14a22c87354/EBA-Op-2014-12%20%28Opinion%20on%20perimeter%20of%20credit%20institution%29.pdf
EBA/Op/2014/12
Referral from Article 4 CRR