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Article 319 › 1

CRR

Under the Alternative Standardised Approach, for the business lines ‧retail banking‧ and ‧commercial banking‧, institutions shall apply the following: (a) the relevant indicator is a normalised income indicator equal to the nominal amount of loans and advances multiplied by 0,035; (b) the loans and advances consist of the total drawn amounts in the corresponding credit portfolios. For the ‧commercial banking‧ business line, institutions shall also include securities held in the non trading book in the nominal amount of loans and advances.

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Source: EUR-Lex CELLAR · retrieved 2026-09-04