Guidelines on loan origination and monitoring

The EBA guidelines on loan origination and monitoring (EBA/ GL/2020/06) introduce requirements for the credit assessment of borrowers. The objective of these guidelines is to ensure that high-quality loans are granted in order to reduce the likelihood of new loans becoming non-performing in the future. To this end, the guidelines define detailed governance arrangements for the granting and monitoring of credit facilities throughout the credit life cycle. The EBA guidelines on loan origination and monitoring are divided into a total of eight chapters.