Directive 2000/12/EC of the European Parliament and of the Council
of 20 March 2000
relating to the taking up and pursuit of the business of credit institutions
F1TITLE IDEFINITIONS AND SCOPE
F1Article 1Definitions
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F1Article 2Scope
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F1Article 3Prohibition for undertakings other than credit institutions from carrying on the business of taking deposits or other repayable funds from the public
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F1TITLE IIREQUIREMENTS FOR ACCESS TO THE TAKING UP AND PURSUIT OF THE BUSINESS OF CREDIT INSTITUTIONS
F1Article 4Authorisation
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F1Article 5Initial capital
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F1Article 6Management body and place of the head office of credit institutions
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F1Article 7Shareholders and members
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F1Article 8Programme of operations and structural organisation
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F1Article 9Economic needs
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F1Article 10Authorisation refusal
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F1Article 11Notification of the authorisation to the Commission
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F1Article 12Prior consultation with the competent authorities of other Member States
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F1Article 13Branches of credit institutions authorised in another Member State
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F1Article 14Withdrawal of authorisation
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F1Article 15Name
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F1Article 16Qualifiying holding in a credit institution
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F1Article 17Procedures and internal control mechanisms
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F1TITLE IIIPROVISIONS CONCERNING THE FREEDOM OF ESTABLISHMENT AND THE FREEDOM TO PROVIDE SERVICES
F1Article 18Credit institutions
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F1Article 19Financial institutions
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F1Article 20Exercise of the right of establishment
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F1Article 21Exercise of the freedom to provide services
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F1Article 22Power of the competent authorities of the host Member State
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F1TITLE IVRELATIONS WITH THIRD COUNTRIES
F1Article 23Notification of the subsidiaries of third countries' undertakings and conditions of access to the markets of these countries
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F1Article 24Branches of credit institutions having their head offices outside the Community
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F1Article 25Cooperation with third countries' competent authorities regarding supervision on a consolidated basis
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F1TITLE VPRINCIPLES AND TECHNICAL INSTRUMENTS FOR PRUDENTIAL SUPERVISION
F1CHAPTER 1PRINCIPLES OF PRUDENTIAL SUPERVISION
F1Article 26Competence of control of the home Member State
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F1Article 27Competence of the host Member State
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F1Article 28Collaboration concerning supervision
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F1Article 29On-the-spot verification of branches established in another Member State
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F1Article 30Exchange of information and professional secrecy
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F1Article 31Duty of persons responsible for the legal control of annual and consolidated accounts
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F1Article 32Power of sanction of the competent authorities
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F1Article 33Right to apply to the courts
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F1Article 33a
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F1CHAPTER 2TECHNICAL INSTRUMENTS OF PRUDENTIAL SUPERVISION
F1Section 1Own funds
F1Article 34General principles
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F1Article 35Other items
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F1Article 36Other provisions concerning own funds
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F1Article 37Calculation of own funds on a consolidated basis
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F1Article 38Deductions and limits
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F1Article 39Provision of proof to the competent authorities
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F1Section 2Solvency ratio
F1Article 40General principles
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F1Article 41The numerator: own funds
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F1Article 42The denominator: risk-adjusted assets and off-balance-sheet items
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F1Article 43Risk weightings
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F1Article 44Weighting of claims for regional governments or local authorities of the Member States
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F1Article 45Other weighting
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F1Article 46Administrative bodies and non-commercial undertakings
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F1Article 47Solvency ratio level
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F1Section 3Large exposures
F1Article 48Reporting of large exposures
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F1Article 49Limits on large exposures
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F1Article 50Supervision on a consolidated or unconsolidated basis of large exposures
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F1Section 4Qualifying holdings outside the financial sector
F1Article 51Limits to non-financial qualifying holdings
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F1CHAPTER 3SUPERVISION ON A CONSOLIDATED BASIS
F1Article 52Supervision on a consolidated basis of credit institutions
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F1Article 53Competent authorities responsible for exercising supervision on a consolidated basis
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F1Article 54Form and extent of consolidation
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F1Article 54aManagement body of financial holding companies
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F1Article 55Information to be supplied by mixed-activity holding companies and their subsidiaries
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F1Article 55aIntra-group transactions with mixed-activity holding companies
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F1Article 56Measures to facilitate supervision on a consolidated basis
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F1Article 56aThird-country parent undertakings
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F1TITLE VIBANKING ADVISORY COMMITTEE
F1Article 57Composition and tasks of the Banking Advisory Committee
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F1Article 58Examination of the requirements for authorisation
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F1Article 59Observation ratios
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F1TITLE VIIPOWERS OF EXECUTION
F1Article 60Technical adaptations
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F1TITLE VIIITRANSITIONAL AND FINAL PROVISIONS
F1CHAPTER 1TRANSITIONAL PROVISIONS
F1Article 61Transitional provisions regarding Article 36
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F1Article 62Transitional provisions regarding Article 43
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F1Article 63Transitional provisions regarding Article 47
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F1Article 64Transitional provisions regarding Article 49
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F1Article 65Transitional provisions regarding Article 51
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F1CHAPTER 2FINAL PROVISIONS
F1Article 66Commission information
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F1Article 67Repealed Directives
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F1Article 68Implementation
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F1Article 69Addressees
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Repealed by Directive 2006/48/EC of the European Parliament and of the council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions (recast) (Text with EEA relevance).