Stress Test Data Framework Dictionary 2017: Version 02

Retailunsecuredproducttype

Enumeration Definition
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.
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.
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.