Regulatory Alerts2025-11-14
Regulation on the Application of EBA Guidelines on ADC Exposures to Residential Property under Article 126a of Regulation EU 575/2013
The Governing Board of the Bank of Slovenia issued this regulation to formally adopt the European Banking Authority's guidelines on Additional Discretionary Deductions (ADC) for residential property exposures. The measure requires supervised banks and the central bank itself to fully account for these guidelines when applying specific definitions regarding substantial cash deposits and equity contributions under Article 126a of Regulation EU 575/2013. This regulation entered into force on 4 November 2025 to ensure consistent prudential supervision of lending to public and not-for-profit housing entities across the Union.
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