Diario Oficial de la Unión Europea del 1/2/2023 - Sección Legislación
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Source: Diario Oficial de la Unión Europea - Sección Legislación
EN
1.2.2023
Official Journal of the European Union
L 29/1
II
Non-legislative acts
REGULATIONS
COMMISSION DELEGATED REGULATION EU 2023/206
of 5 October 2022
supplementing Regulation EU No 575/2013 of the European Parliament and of the Council with regard to regulatory technical standards specifying the types of factors to be considered for the assessment of the appropriateness of risk weights for exposures secured by immovable property and the conditions to be taken into account for the assessment of the appropriateness of minimum loss given default values for exposures secured by immovable property Text with EEA relevance
THE EUROPEAN COMMISSION,
Having regard to the Treaty on the Functioning of the European Union,
Having regard to Regulation EU No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and amending Regulation EU No 648/2012 1, and in particular Article 1244, third subparagraph, and Article 1648, third subparagraph thereof,
Whereas:
1
Article 1242 of Regulation EU No 575/2013, on the one hand, deals with the assessment of the appropriateness of risk weights for exposures secured by mortgages on residential property and commercial immovable property.
Article 1646, of Regulation EU No 575/2013, on the other hand, deals with the assessment of the appropriateness of minimum loss given default LGD values for exposures secured by mortgages on residential property or commercial immovable property. Both provisions thus deal with the calibration of parameters for exposures secured by immovable property. It is therefore appropriate that the types of factors to be considered for the assessment of the appropriateness of those risk weights and the conditions to be taken into account for the assessment of the appropriateness of those minimum LGD values are specified in a coherent manner.
2
When specifying those factors and conditions, it is necessary to ensure proportionality and to account for the heterogeneity of the immovable property markets across Member States, while at the same time setting out a sufficiently harmonised framework for the assessment of the appropriateness of the risk weights and the minimum LGD values for exposures secured by mortgages on immovable property. To that end, a one-size-fits-all approach should be avoided.
3
When specifying the loss expectation for the purposes of determining the appropriateness of risk weights a number of factors providing insights into forward-looking market developments should be considered, including past and present structural characteristics of immovable property markets and national specificities related to real estate financing.
1 OJ L 176, 27.6.2013, p. 1.
