Public consultation on the draft ECB guidance to banks on non-performing loans

The draft guidance addresses the main aspects of strategy, governance and operations that are key to successfully resolving non-performing loans (NPLs). It provides recommendations to banks and sets out a number of best practices identified by ECB Banking Supervision that will in the future constitute the ECB’s supervisory expectations.

Deadline for comments: midnight CET on 15 November 2016

Only comments received before this deadline will be considered.

Please submit your comments by midnight CET on 15 November 2016 using this template:

Please substantiate your response with relevant examples or data where appropriate.

Submitting comments by email:

Send your comments by email to: SSMPublicConsultation@ecb.europa.eu

Please put “Public consultation on the draft ECB guidance to banks on non-performing loans" in the subject line.

Submitting comments by post:

Send comments by post to the following address:

After the close of the consultation, all comments will be published on this web page along with a feedback statement. For details on how your personal data and contribution will be handled, please see the privacy statement:

The ECB will hold a public hearing at its premises in Frankfurt am Main on Monday, 7 November 2016, starting at 15:00 CET.

The event will comprise a presentation followed by a question and answer session in English.

Questions may be emailed during the hearing to an address that will be available on this web page shortly beforehand.