Updated 27/09/2023
In force since 17/07/2013

Version from: 01/01/2022
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Capital Requirements Directive (CRD IV)

Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (Text with EEA relevance)

Recitals
Article 8 - Authorisation ITSRTSGLArticle 8a - Specific requirements for authorisation of credit institutions referred to in point (1)(b) of Article 4(1) of Regulation (EU) No 575/2013 RTSArticle 9 - Prohibition against persons or undertakings other than credit institutions from carrying out the business of taking deposits or other repayable funds from the public Q&AArticle 10 - Programme of operations, structural organisation and governance arrangements RTSArticle 11 - Economic needsArticle 12 - Initial capitalArticle 13 - Effective direction of the business and place of the head officeArticle 14 - Shareholders and members RTSArticle 15 - Refusal of authorisationArticle 16 - Prior consultation of the competent authorities of other Member StatesArticle 17 - Branches of credit institutions authorised in another Member StateArticle 18 - Withdrawal of authorisationArticle 19 - Name of credit institutionsArticle 20 - Notification of authorisation and withdrawal of authorisationArticle 21 - Waiver for credit institutions permanently affiliated to a central bodyArticle 21a - Approval of financial holding companies and mixed financial holding companies Q&AArticle 21b - Intermediate EU parent undertaking Q&AGL
Article 53 - Professional secrecyArticle 54 - Use of confidential informationArticle 54aArticle 55 - Cooperation agreements GLArticle 56 - Exchange of information between authoritiesArticle 57 - Exchange of information with oversight bodiesArticle 58 - Transmission of information concerning monetary, deposit protection, systemic and payment aspectsArticle 58a - Transmission of information to international bodiesArticle 59 - Transmission of information to other entitiesArticle 60 - Disclosure of information obtained by on-the-spot checks and inspectionsArticle 61 - Disclosure of information concerning clearing and settlement servicesArticle 62 - Processing of personal data
Article 64 - Supervisory powers and powers to impose penaltiesArticle 65 - Administrative penalties and other administrative measuresArticle 66 - Administrative penalties and other administrative measures for breaches of authorisation requirements and requirements for acquisitions of qualifying holdings Q&AArticle 67 - Other provisions Q&AArticle 68 - Publication of administrative penalties Q&AArticle 69 - Exchange of information on penalties and maintenance of a central database by EBAArticle 70 - Effective application of penalties and exercise of powers to impose penalties by competent authoritiesArticle 71 - Reporting of breachesArticle 72 - Right of appeal GL
Article 76 - Treatment of risks Q&AGLArticle 77 - Internal Approaches for calculating own funds requirements RTSArticle 78 - Supervisory benchmarking of internal approaches for calculating own funds requirements ITSRTSQ&AArticle 79 - Credit and counterparty risk Q&AGLArticle 80 - Residual riskArticle 81 - Concentration riskArticle 82 - Securitisation riskArticle 83 - Market riskArticle 84 - Interest risk arising from non-trading book activities RTSQ&AGLArticle 85 - Operational riskArticle 86 - Liquidity risk Q&AGLArticle 87 - Risk of excessive leverage GL
Article 88 - Governance arrangements Q&AGLArticle 89 - Country-by-country reporting Q&AArticle 90 - Public disclosure of return on assetsArticle 91 - Management body Q&AGLArticle 92 - Remuneration policies RTSQ&AGLArticle 93 - Institutions that benefit from government intervention GLArticle 94 - Variable elements of remuneration RTSQ&AGLArticle 95 - Remuneration Committee GLArticle 96 - Maintenance of a website on corporate governance and remuneration GL
Article 102 - Supervisory measuresArticle 103 - Application of supervisory measures to institutions with similar risk profiles [repealed] Q&AGLArticle 104 - Supervisory powers Q&AGLArticle 104a - Additional own funds requirement RTSQ&AArticle 104b - Guidance on additional own funds Q&AArticle 104c - Cooperation with resolution authoritiesArticle 105 - Specific liquidity requirements GLArticle 106 - Specific publication requirements GLArticle 107 - Consistency of supervisory reviews, evaluations and supervisory measures GL
Article 111 - Determination of the consolidating supervisorArticle 112 - Coordination of supervisory activities by the consolidating supervisorArticle 113 - Joint decisions on institution-specific prudential requirements ITSGLArticle 114 - Information requirements in emergency situationsArticle 115 - Coordination and cooperation arrangements ITSRTSArticle 116 - Colleges of supervisors ITSRTSQ&AGLArticle 117 - Cooperation obligations GLArticle 118 - Checking information concerning entities in other Member States
Article 119 - Inclusion of holding companies in consolidated supervisionArticle 120 - Supervision of mixed financial holding companiesArticle 121 - Qualification of directorsArticle 122 - Requests for information and inspectionsArticle 123 - Supervision GLArticle 124 - Exchange of informationArticle 125 - CooperationArticle 126 - PenaltiesArticle 127 - Assessment of equivalence of third countries' consolidated supervision
Article 135 - ESRB guidance on setting countercyclical buffer ratesArticle 136 - Setting countercyclical buffer ratesArticle 137 - Recognition of countercyclical buffer rates in excess of 2,5 %Article 138 - ESRB recommendation on third country countercyclical buffer ratesArticle 139 - Decision by designated authorities on third country countercyclical buffer rates Q&AArticle 140 - Calculation of institution-specific countercyclical capital buffer rates RTSQ&A
Article 151 - ScopeArticle 152 - Reporting requirementsArticle 153 - Measures taken by the competent authorities of the home Member State in relation to activities carried out in the host Member StateArticle 154 - Precautionary measuresArticle 155 - ResponsibilityArticle 156 - Liquidity supervisionArticle 157 - Collaboration concerning supervisionArticle 158 - Significant branchesArticle 159 - On-the-spot checks
ANNEX I RTSQ&AANNEX II