CRD IV | Directive 2013/36/EU

TITLE VII - PRUDENTIAL SUPERVISION (Article 49-142)

CHAPTER 1 - Principles of prudential supervision (Article 49-72)

Section I - Competence and duties of home and host Member States (Article 49-52)Article 49 - Competence of the competent authorities of the home and host Member States Article 50 - Collaboration concerning supervision ITSRTS Article 51 - Significant branches ITSRTSGL Article 52 - On-the-spot checking and inspection of branches established in another Member State

Section II - Exchange of information and professional secrecy (Article 53-62)Article 53 - Professional secrecy Article 54 - Use of confidential information Article 54a Article 55 - Cooperation agreements GL Article 56 - Exchange of information between authorities Article 57 - Exchange of information with oversight bodies Article 58 - Transmission of information concerning monetary, deposit protection, systemic and payment aspects Article 58a - Transmission of information to international bodies Article 59 - Transmission of information to other entities Article 60 - Disclosure of information obtained by on-the-spot checks and inspections Article 61 - Disclosure of information concerning clearing and settlement services Article 62 - Processing of personal data

Section III - Duty of persons responsible for the legal control of annual and consolidated accounts (Article 63)Article 63 - Duty of persons responsible for the legal control of annual and consolidated accounts

Section IV - Supervisory powers, powers to impose penalties and right of appeal (Article 64-72)Article 64 - Supervisory powers and powers to impose penalties Article 65 - Administrative penalties and other administrative measures Article 66 - Administrative penalties and other administrative measures for breaches of authorisation requirements and requirements for acquisitions of qualifying holdings Q&A Article 67 - Other provisions Q&A Article 68 - Publication of administrative penalties Q&A Article 69 - Exchange of information on penalties and maintenance of a central database by EBA Article 70 - Effective application of penalties and exercise of powers to impose penalties by competent authorities Article 71 - Reporting of breaches Article 72 - Right of appeal GL

CHAPTER 2 - Review Processes (Article 73-110)

Section I - Internal capital adequacy assessment process (Article 73)Article 73 - Internal Capital GL

Section II - Arrangements, processes and mechanisms of institutions (Article 74-96)

Sub-Section 1 - General principles (Article 74-75)Article 74 - Internal governance and recovery and resolution plans Q&AGL Article 75 - Oversight of remuneration policies Q&AGL

Sub-Section 2 - Technical criteria concerning the organisation and treatment of risks (Article 76-87)Article 76 - Treatment of risks Q&AGL Article 77 - Internal Approaches for calculating own funds requirements RTS Article 78 - Supervisory benchmarking of internal approaches for calculating own funds requirements ITSRTSQ&A Article 79 - Credit and counterparty risk Q&AGL Article 80 - Residual risk Article 81 - Concentration risk Article 82 - Securitisation risk Article 83 - Market risk Article 84 - Interest risk arising from non-trading book activities ITSRTSQ&AGL Article 85 - Operational risk Article 86 - Liquidity risk Q&AGL Article 87 - Risk of excessive leverage GL

Sub-Section 3 - Governance (Article 88-96)Article 88 - Governance arrangements Q&AGL Article 89 - Country-by-country reporting Q&A Article 90 - Public disclosure of return on assets Article 91 - Management body Q&AGL Article 92 - Remuneration policies RTSQ&AGL Article 93 - Institutions that benefit from government intervention GL Article 94 - Variable elements of remuneration RTSQ&AGL Article 95 - Remuneration Committee GL Article 96 - Maintenance of a website on corporate governance and remuneration GL

Section III - Supervisory review and evaluation process (Article 97-101)Article 97 - Supervisory review and evaluation Q&AGL Article 98 - Technical criteria for the supervisory review and evaluation ITSRTSQ&AGL Article 99 - Supervisory examination programme ITSRTSQ&A Article 100 - Supervisory stress testing GL Article 101 - Ongoing review of the permission to use internal approaches ITSRTS

Section IV - Supervisory measures and powers (Article 102-107)Article 102 - Supervisory measures Article 103 - Application of supervisory measures to institutions with similar risk profiles [repealed] Q&AGL Article 104 - Supervisory powers Q&AGL Article 104a - Additional own funds requirement RTSQ&A Article 104b - Guidance on additional own funds Q&A Article 104c - Cooperation with resolution authorities Article 105 - Specific liquidity requirements GL Article 106 - Specific publication requirements Q&AGL Article 107 - Consistency of supervisory reviews, evaluations and supervisory measures GL

Section V - Level of application (Article 108-110)Article 108 - Internal capital adequacy assessment process GL Article 109 - Institutions' arrangements, processes and mechanisms Q&AGL Article 110 - Review and evaluation and supervisory measures GL

CHAPTER 3 - Supervision on a consolidated basis (Article 111-127)

Section I - Principles for conducting supervision on a consolidated basis (Article 111-118)Article 111 - Determination of the consolidating supervisor Article 112 - Coordination of supervisory activities by the consolidating supervisor Article 113 - Joint decisions on institution-specific prudential requirements ITSGL Article 114 - Information requirements in emergency situations Article 115 - Coordination and cooperation arrangements ITSRTSGL Article 116 - Colleges of supervisors ITSRTSQ&AGL Article 116a - Accessibility of information on the European single access point Article 117 - Cooperation obligations GL Article 118 - Checking information concerning entities in other Member States

Section II - Financial holding companies, mixed financial holding companies and mixed-activity holding companies (Article 119-127)Article 119 - Inclusion of holding companies in consolidated supervision Article 120 - Supervision of mixed financial holding companies Article 121 - Qualification of directors Article 122 - Requests for information and inspections Article 123 - Supervision GL Article 124 - Exchange of information Article 125 - Cooperation Article 126 - Penalties Article 127 - Assessment of equivalence of third countries' consolidated supervision

CHAPTER 4 - Capital Buffers (Article 128-142)

Section I - Buffers (Article 128-134)Article 128 - Definitions Q&A Article 129 - Requirement to maintain a capital conservation buffer Q&A Article 130 - Requirement to maintain an institution-specific countercyclical capital buffer Q&A Article 131 - Global and other systemically important institutions RTSQ&AGL Article 132 - Reporting [repealed]Article 133 - Requirement to maintain a systemic risk buffer Q&AGL Article 134 - Recognition of a systemic risk buffer rate Q&A

Section II - Setting and calculating countercyclical capital buffers (Article 135-140)Article 135 - ESRB guidance on setting countercyclical buffer rates Article 136 - Setting countercyclical buffer rates Article 137 - Recognition of countercyclical buffer rates in excess of 2,5 % Q&A Article 138 - ESRB recommendation on third country countercyclical buffer rates Article 139 - Decision by designated authorities on third country countercyclical buffer rates Q&A Article 140 - Calculation of institution-specific countercyclical capital buffer rates RTSQ&A

Section III - Capital conservation measures (Article 141-142)Article 141 - Restrictions on distributions Q&A Article 141a - Failure to meet the combined buffer requirement Q&A Article 141b - Restriction on distributions in case of failure to meet the leverage ratio buffer requirement Article 141c - Failure to meet the leverage ratio buffer requirement Q&A Article 142 - Capital Conservation Plan

TITLE X - AMENDMENTS OF DIRECTIVE 2002/87/EC (Article 150)Article 150 - Amendments of Directive 2002/87/EC

Metadata

Level 2 legal acts in relation to CRD IV

Legislative procedure

Capital Requirements Directive (CRD IV)