ECB Delegates to Executives the Approval of Major Changes in Banks' Credit Risk Models
11 Sep 202615 views
Who is affected:
Significant banks directly supervised by the ECB in the eurozone
Summary
The European Central Bank allows its senior officials to approve significant modifications in the internal systems that banks use to calculate their minimum capital requirements against default risks.
Detailed analysis
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The ECB formalizes the internal delegation of competencies to approve substantial changes in IRB models (based on internal ratings) that significant banks use to calculate capital requirements for credit risk. This decision streamlines the supervisory process by preventing each relevant modification from requiring appr…
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OJ:L_202602036: Decisión (UE) 2026/2036 del Banco Central Europeo, de 21 de agosto de 2026, sobre la delegación de la facultad de adoptar decisiones sobre modificaciones sustanciales de los sistemas de calificación para el cálculo de los requisitos de fondos propios para el riesgo de crédito (BCE/2026/19)
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