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Directive 2000/12/EC of the European Parliament and of the Council of 20 March 2000
Relating to the taking up and pursuit of the business of credit institutions
- Recitals
TITLE I — DEFINITIONS AND SCOPE- TITLE II — REQUIREMENTS FOR ACCESS TO THE TAKING UP AND PURSUIT OF THE BUSINESS OF CREDIT INSTITUTIONS
- Article 4 — Authorisation
- Article 5 — Initial capital
- Article 6 — Management body and place of the head office of credit institutions
- Article 7 — Shareholders and members
- Article 8 — Programme of operations and structural organisation
- Article 9 — Economic needs
- Article 10 — Authorisation refusal
- Article 11 — Notification of the authorisation to the Commission
- Article 12 — Prior consultation with the competent authorities of other Member States
- Article 13 — Branches of credit institutions authorised in another Member State
- Article 14 — Withdrawal of authorisation
- Article 15 — Name
- Article 16 — Qualifiying holding in a credit institution
- Article 17 — Procedures and internal control mechanisms
- TITLE III — PROVISIONS CONCERNING THE FREEDOM OF ESTABLISHMENT AND THE FREEDOM TO PROVIDE SERVICES
- TITLE IV — RELATIONS WITH THIRD COUNTRIES
- Article 23 — Notification of the subsidiaries of third countries' undertakings and conditions of access to the markets of these countries
- Article 24 — Branches of credit institutions having their head offices outside the Community
- Article 25 — Cooperation with third countries' competent authorities regarding supervision on a consolidated basis
- TITLE V — PRINCIPLES AND TECHNICAL INSTRUMENTS FOR PRUDENTIAL SUPERVISION
- CHAPTER 1 — PRINCIPLES OF PRUDENTIAL SUPERVISION
- Article 26 — Competence of control of the home Member State
- Article 27 — Competence of the host Member State
- Article 28 — Collaboration concerning supervision
- Article 29 — On-the-spot verification of branches established in another Member State
- Article 30 — Exchange of information and professional secrecy
- Article 31 — Duty of persons responsible for the legal control of annual and consolidated accounts
- Article 32 — Power of sanction of the competent authorities
- Article 33 — Right to apply to the courts
- Article 33a
- CHAPTER 2 — TECHNICAL INSTRUMENTS OF PRUDENTIAL SUPERVISION
- Section 1 — Own funds
- Section 2 — Solvency ratio
- Article 40 — General principles
- Article 41 — The numerator: own funds
- Article 42 — The denominator: risk-adjusted assets and off-balance-sheet items
- Article 43 — Risk weightings
- Article 44 — Weighting of claims for regional governments or local authorities of the Member States
- Article 45 — Other weighting
- Article 46 — Administrative bodies and non-commercial undertakings
- Article 47 — Solvency ratio level
- Section 3 — Large exposures
- Section 4 — Qualifying holdings outside the financial sector
- CHAPTER 3 — SUPERVISION ON A CONSOLIDATED BASIS
- Article 52 — Supervision on a consolidated basis of credit institutions
- Article 53 — Competent authorities responsible for exercising supervision on a consolidated basis
- Article 54 — Form and extent of consolidation
- Article 54a — Management body of financial holding companies
- Article 55 — Information to be supplied by mixed-activity holding companies and their subsidiaries
- Article 55a — Intra-group transactions with mixed-activity holding companies
- Article 56 — Measures to facilitate supervision on a consolidated basis
- Article 56a — Third-country parent undertakings
- TITLE VII — POWERS OF EXECUTION
- TITLE VIII — TRANSITIONAL AND FINAL PROVISIONS