Europejski Urząd Nadzoru Bankowego, Opinia dotycząca skali i skutków de-riskingu

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Opublikowano: LEX/el. 2022
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Opinia dotycząca skali i skutków de-riskingu

EBA/Op/2022/01

5 January 2022

Opinion of the European Banking Authority on ‘de-risking’

Introduction and legal basis

1. Financial institutions and credit institutions (hereinafter ‘institutions’) have to put in place and maintain policies and procedures to comply with their legal obligations in accordance with Article 8 of Directive (EU) 2015/849 (AMLD) . These policies and procedures include policies and procedures to identify and manage the risks to which they are exposed, for example credit risk or the risk that they may be used for money laundering and terrorist financing (ML/TF) purposes. Where a financial institution takes a decision to refuse to enter into, or to terminate, business relationships with individual customers or categories of customers associated with higher ML/TF risk, or to refuse to carry out higher ML/TF risk transactions, this is referred to as ‘de-risking’.

2. While decisions not to establish or to end a business relationship, or not to carry out a...

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