EBA publishes its standardised data templates as a step to reduce NPLs

14 December 2017

The templates will provide a common EU data set for the screening, financial due diligence and valuation during NPL transactions. An extended use of the templates is expected to widen the investor base, lower entry barriers to potential investors, improve data quality and availability, support price discovery and facilitate the development of the NPL secondary market.

The EBA is providing these templates to allow banks to supply comparable and standardised data on NPLs to meet the need of investors and other stakeholders.

The EBA NPL templates are not a supervisory reporting requirement. They are designed in a way that they can act as a market standard, used by banks on a voluntary basis for NPL transactions, and to form the foundation for NPL secondary markets initiatives.

The EBA NPL transaction templates provide data loan by loan, i.e. at the most granular level, including information on counterparties related to the loan and the collateral provided.

The templates are built on existing reporting, which should reduce implementation costs for banks. They provide a common EU data set but bespoke parts of the templates capture national specificities. For the purposes of market screening, a separate stratified data subset provides a high level view of an NPL portfolio.

Press release

EBA_work on_NPLs


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