COMUNICATO - Comunicazione del 29 luglio 2019. SIM e gruppi di SIM - modifiche della disciplina sull'applicazione della definizione di default. (19A05233)
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Premessa La presente comunicazione modifica la disciplina contenuta nella comunicazione del 31 marzo 2014 (1) concernente l'applicazione alle SIM e ai gruppi di SIM delle norme CRDIV/CRR (2) , per adeguarla all'evoluzione del quadro normativo europeo in materia di rischio di credito (3) Le modifiche sono volte a: i. fissare la soglia di rilevanza delle obbligazioni creditizie in arretrato (past-due), ai fini della classificazione delle esposizioni in stato di default ai sensi dell'art. 178, par. 2, lettera d) CRR, come integrato dal regolamento delegato (UE) n. 171/2018 della Commissione del 19 ottobre 2017 (RD);
ii. recepire gli Orientamenti dell'Autorita' bancaria europea (European Banking Authority - EBA) sull'applicazione della definizione di default (Orientamenti), che, tra l'altro, precisano i criteri di calcolo dei giorni di scaduto, gli indicatori qualitativi e quantitativi da considerare ai fini dell'identificazione del probabile inadempimento, i criteri minimali di uscita dallo stato di default e le regole di applicazione della definizione di default alle esposizioni creditizie retail. Le possibili modalita' di fissazione delle soglie di rilevanza delle obbligazioni creditizie in arretrato sono state sottoposte a consultazione pubblica. Sul sito web della Banca d'Italia sono pubblicati il resoconto della consultazione e le osservazioni pervenute per le quali non e' stata chiesta la riservatezza. Non sono state effettuate la consultazione e l'analisi di impatto sull'intenzione di conformarsi agli Orientamenti sull'applicazione della definizione di default, tenuto conto che essi offrono limitati spazi di discrezionalita' alle autorita' nazionali e che l'EBA ha gia' effettuato l'analisi d'impatto e sottoposto a pubblica consultazione gli Orientamenti. 2. Modifiche alla disciplina Per adeguare la disciplina del rischio di credito (Metodo standardizzato e Metodo IRB) agli Orientamenti e al regolamento delegato, le SIM e i gruppi di SIM applicano: gli Orientamenti dell'EBA sull'applicazione della...
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