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4.

Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions (recast) (Text with EEA relevance) · European Union

To be eligible for the retail exposure class referred to in point (d) of paragraph 1, exposures shall meet the following criteria: they shall be either to an individual person or persons, or to a small or medium sized entity, provided in the latter case that the total amount owed to the credit institution and parent undertakings and its subsidiaries, including any past due exposure, by the obligor client or group of connected clients, but excluding claims or contingent claims secured on residential real estate collateral, shall not, to the knowledge of the credit institution, which shall have taken reasonable steps to confirm the situation, exceed EUR 1 million; they are treated by the credit institution in its risk management consistently over time and in a similar manner; they are not managed just as individually as exposures in the corporate exposure class; and they each represent one of a significant number of similarly managed exposures. The present value of retail minimum lease payments is eligible for the retail exposure class.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-09 · Text as adopted (Official Journal); later amendments are not incorporated in this text.