3 Amendments of Irene TINAGLI related to 2023/2078(INI)
Amendment 130 #
Motion for a resolution
Paragraph 10
Paragraph 10
10. Notes that the NPL ratio decreased further; calls for the adoption of the proposal for a AECE Directive to develop NPL secondary markethighlights that the directive on credit servicers and credit purchasers has made the secondary market for non- performing loans more efficient, while establishing high safeguards for debtors; underlines that the sale of a non- performing loan represents a second best solution compared to returning the credit to performing status; stresses that if the debtor is a household, banks are required to exercise, where appropriate, reasonable forbearance before the sale of impaired loans and before enforcement proceedings are initiated; calls for the extension of this practice to small and medium-sized enterprises;
Amendment 135 #
Motion for a resolution
Paragraph 10 a (new)
Paragraph 10 a (new)
10 a. Underlines that credit institutions should be encouraged to engage in proactive, preventive and meaningful debt restructuring to support debtors, when deemed appropriate, without necessarily entailing that a default shall be considered to have occurred; stresses that the current specification of what constitutes a material diminished financial obligation in case of distressed restructuring does not provide adequate flexibility to credit institution; calls for a more granular classification that takes in due consideration, among other things, the kind of concession granted, the residual maturity of the exposure and the length of the postponement; recalls that the political agreement on the revision of the CRR invites the EBA to review its guidelines on the matter by 1 January 2026; expresses the hope that the EBA will be able to review the guidelines before that final date;
Amendment 159 #
Motion for a resolution
Paragraph 14
Paragraph 14
14. Welcomes the agreement reached at interinstitutional level to implement Basel III standards in the EU; highlights that the framework will not increase prudential requirements for banks or damage their competitiveness; notes that the implementation of the Basel standards to crypto-assets is still pending; highlights that the new rules have strengthened and better specified proportionality in banking supervision; calls on the national and European supervisors to effectively apply this principle;