Enumeration | Definition |
---|---|
Buy to let | Not owner-occupier. Includes consent-to-let. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'of which: secured by real estate property, non-SME' of which buy to let. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail buy to let. ii) a subset of exposures in default, in particular those relating to buy to let mortgages. |
Credit card | Includes credit granted either via delayed debit cards or via credit cards (as per Regulation (EU) No 1071/2013 of the ECB). Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'qualifying revolving', 'other retail, non-SME' and 'other retail, SME' of which credit card. b) On standardised: i) subset of retail of which credit card. ii) a subset of exposures in default, in particular those relating to credit card. |
Mainstream | Refers to exposures to mainstream mortgages, these are other owner-occupier mortgages other than those within self certified and sub prime. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'of which: secured by real estate property, non-SME" of which mainstream. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail mainstream. ii) a subset of exposures in default, in particular those relating to mainstream mortgages. |
Other | Refers to exposures to other retail non mortgage non SME. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'other retail, non-SME', 'other retail, SME' of which other and ll Retail SME exposures secured by real estate property that have do not have a term on the loan. b) On standardised: i) subset of retail of which other. ii) a subset of exposures in default, in particular those relating to other. iii) All Retail SME exposures secured by mortgages on immovable property that do not have a term on the loan. |
Other mortgages | Refers to exposures to other mortgages not included within other mortgages, self certified, sub prime and buy to let. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'of which: secured by real estate property, non-SME' of which other mortgage. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail other. ii) a subset of exposures in default, in particular those relating to other mortgage mortgages. |
Overdraft | Refers to exposures to overdrafts. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'qualifying revolving', 'other retail, non-SME' and 'other retail, SME' of which overdraft. b) On standardised: i) subset of retail of which overdraft. ii) a subset of exposures in default, in particular those relating to overdraft. |
Personal or term loan | Retail loan having a specified repayment schedule. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'other retail, non-SME' and 'other retail, SME' of which personal or term loan. All Retail SME exposures secured by real estate property that have a term on the loan. b) On standardised: i) subset of retail of which personal or term loan. ii) a subset of exposures in default, in particular those relating to personal or term loan. iii) All Retail SME exposures secured by mortgages on immovable property that have a term on the loan. |
Self certified | The borrower certifies their own income and no independent verification is sought. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'of which: secured by real estate property, non-SME' of which self certified. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail self certified. ii) a subset of exposures in default, in particular those relating to self certified mortgages. |
Sub prime | If the borrower is reported as having an 'impaired credit history' as defined by MLAR. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'of which: secured by real estate property, non-SME" of which sub prime. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail sub prime. ii) a subset of exposures in default, in particular those relating to sub prime mortgages. |