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Directive 2000/12/EC of the European Parliament and of the CouncilShow full title

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

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  1. Introductory Text

  2. TITLE I DEFINITIONS AND SCOPE

    1. Article 1.Definitions

    2. Article 2.Scope

    3. Article 3.Prohibition for undertakings other than credit institutions from carrying on the business of taking deposits or other repayable funds from the public

  3. TITLE II REQUIREMENTS FOR ACCESS TO THE TAKING UP AND PURSUIT OF THE BUSINESS OF CREDIT INSTITUTIONS

    1. Article 4.Authorisation

    2. Article 5.Initial capital

    3. Article 6.Management body and place of the head office of credit institutions

    4. Article 7.Shareholders and members

    5. Article 8.Programme of operations and structural organisation

    6. Article 9.Economic needs

    7. Article 10.Authorisation refusal

    8. Article 11.Notification of the authorisation to the Commission

    9. Article 12.Prior consultation with the competent authorities of other Member States

    10. Article 13.Branches of credit institutions authorised in another Member State

    11. Article 14.Withdrawal of authorisation

    12. Article 15.Name

    13. Article 16.Qualifiying holding in a credit institution

    14. Article 17.Procedures and internal control mechanisms

  4. TITLE III PROVISIONS CONCERNING THE FREEDOM OF ESTABLISHMENT AND THE FREEDOM TO PROVIDE SERVICES

    1. Article 18.Credit institutions

    2. Article 19.Financial institutions

    3. Article 20.Exercise of the right of establishment

    4. Article 21.Exercise of the freedom to provide services

    5. Article 22.Power of the competent authorities of the host Member State

  5. TITLE IV RELATIONS WITH THIRD COUNTRIES

    1. Article 23.Notification of the subsidiaries of third countries' undertakings and conditions of access to the markets of these countries

    2. Article 24.Branches of credit institutions having their head offices outside the Community

    3. Article 25.Cooperation with third countries' competent authorities regarding supervision on a consolidated basis

  6. TITLE V PRINCIPLES AND TECHNICAL INSTRUMENTS FOR PRUDENTIAL SUPERVISION

    1. CHAPTER 1 PRINCIPLES OF PRUDENTIAL SUPERVISION

      1. Article 26.Competence of control of the home Member State

      2. Article 27.Competence of the host Member State

      3. Article 28.Collaboration concerning supervision

      4. Article 29.On-the-spot verification of branches established in another Member State

      5. Article 30.Exchange of information and professional secrecy

      6. Article 31.Duty of persons responsible for the legal control of annual and consolidated accounts

      7. Article 32.Power of sanction of the competent authorities

      8. Article 33.Right to apply to the courts

      9. Article 33a.. . . . . . . . . ....

    2. CHAPTER 2 TECHNICAL INSTRUMENTS OF PRUDENTIAL SUPERVISION

      1. Section 1 Own funds

        1. Article 34.General principles

        2. Article 35.Other items

        3. Article 36.Other provisions concerning own funds

        4. Article 37.Calculation of own funds on a consolidated basis

        5. Article 38.Deductions and limits

        6. Article 39.Provision of proof to the competent authorities

      2. Section 2 Solvency ratio

        1. Article 40.General principles

        2. Article 41.The numerator: own funds

        3. Article 42.The denominator: risk-adjusted assets and off-balance-sheet items

        4. Article 43.Risk weightings

        5. Article 44.Weighting of claims for regional governments or local authorities of the Member States

        6. Article 45.Other weighting

        7. Article 46.Administrative bodies and non-commercial undertakings

        8. Article 47.Solvency ratio level

      3. Section 3 Large exposures

        1. Article 48.Reporting of large exposures

        2. Article 49.Limits on large exposures

        3. Article 50.Supervision on a consolidated or unconsolidated basis of large exposures

      4. Section 4 Qualifying holdings outside the financial sector

        1. Article 51.Limits to non-financial qualifying holdings

    3. CHAPTER 3 SUPERVISION ON A CONSOLIDATED BASIS

      1. Article 52.Supervision on a consolidated basis of credit institutions

      2. Article 53.Competent authorities responsible for exercising supervision on a consolidated basis

      3. Article 54.Form and extent of consolidation

      4. Article 54a.Management body of financial holding companies

      5. Article 55.Information to be supplied by mixed-activity holding companies and their subsidiaries

      6. Article 55a.Intra-group transactions with mixed-activity holding companies

      7. Article 56.Measures to facilitate supervision on a consolidated basis

      8. Article 56a.Third-country parent undertakings

  7. TITLE VI BANKING ADVISORY COMMITTEE

    1. Article 57.Composition and tasks of the Banking Advisory Committee

    2. Article 58.Examination of the requirements for authorisation

    3. Article 59.Observation ratios

  8. TITLE VII POWERS OF EXECUTION

    1. Article 60.Technical adaptations

  9. TITLE VIII TRANSITIONAL AND FINAL PROVISIONS

    1. CHAPTER 1 TRANSITIONAL PROVISIONS

      1. Article 61.Transitional provisions regarding Article 36

      2. Article 62.Transitional provisions regarding Article 43

      3. Article 63.Transitional provisions regarding Article 47

      4. Article 64.Transitional provisions regarding Article 49

      5. Article 65.Transitional provisions regarding Article 51

    2. CHAPTER 2 FINAL PROVISIONS

      1. Article 66.Commission information

      2. Article 67.Repealed Directives

      3. Article 68.Implementation

      4. Article 69.Addressees

  10. ATTACHMENTS

    1. ANNEX I LIST OF ACTIVITIES SUBJECT TO MUTUAL RECOGNITION

    2. ANNEX II CLASSIFICATION OF OFF-BALANCE-SHEET ITEMS

    3. ANNEX III THE TREATMENT OF OFF-BALANCE-SHEET ITEMS

    4. ANNEX IV TYPES OF OFF-BALANCE-SHEET ITEMS

    5. ANNEX V

    6. ANΝΕΧ VI CORRELATION TABLE

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