About this initiative


The Commission will consider establishing statutory prudential backstops to prevent potential under-provisioning of non-performing loans (NPLs) and the build-up of future stocks for newly originated loans of NPLs in banks across Member States.

Banking and financial services
Type of act
Proposal for a regulation


Feedback: closed

Inception impact assessment
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Feedback period
09 November 2017 - 07 December 2017 (midnight Brussels time)
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Download (348.8 KB - PDF - 4 pages)

Feedback (2)

  • Intesa Sanpaolo S.p.A (Italy)
    7 December 2017 Company/business organisation
    Intesa Sanpaolo S.p.A (Italy)

    [Please refer to the position parer attached to view the complete feedback] In Intesa Sanpaolo’s view, the possible introduction of a Pillar 1 prudential backstop for NPLs should be carefully evaluated. We do not believe that a full provisioning applicable to all banks and all loans based on a fixed time window is the right way to go forward and tackle NPLs. We believe that separate provisioning streams, both in terms of accounting and...

  • European Banking Federation (Belgium)
    7 December 2017 Business association
    European Banking Federation (Belgium)

    Key points:  The situation of non-performing loans (NPLs) is very diverse across EU Member States and, in line with the principles of subsidiarity and proportionality, it seems appropriate to address it at a Member State level under EU general blueprint.  Any prudential backstop, also in combination with the EU directive on business insolvency and IRFS9, may significantly impact the price and availability of future credit, therefore it is...

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Commission adoption

Feedback: closed

Proposal for a regulation
More about adopted acts

Adopted on
14 March 2018
Feedback period
14 March 2018 - 26 May 2018 (midnight Brussels time)
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Feedback (15)

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