Article 11 | CRD IV | Directive 2013/36/EU | judict

Updated 05/02/2025

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CRD IV Tool Capital Requirements Directive (CRD IV)

Article 11

Article 11 - Directive 2013/36/EU (CRD IV)

Article 11

Economic needs

Member States shall not require the application for authorisation to be examined in terms of the economic needs of the market.

Table of contents

TITLE I - SUBJECT MATTER, SCOPE AND DEFINITIONS (Article 1-3)

TITLE II - COMPETENT AUTHORITIES (Article 4-7)

TITLE III - REQUIREMENTS FOR ACCESS TO THE ACTIVITY OF CREDIT INSTITUTIONS (Article 8-27)

CHAPTER 1 - General requirements for access to the activity of credit institutions (Article 8-21b)Article 8 - Authorisation ITSRTSGL Article 8a - Specific requirements for authorisation of credit institutions referred to in point (1)(b) of Article 4(1) of Regulation (EU) No 575/2013 RTS Article 9 - Prohibition against persons or undertakings other than credit institutions from carrying out the business of taking deposits or other repayable funds from the public Q&A Article 10 - Programme of operations, structural organisation and governance arrangements RTS Article 11 - Economic needs Article 12 - Initial capital Article 13 - Effective direction of the business and place of the head office Article 14 - Shareholders and members RTS Article 15 - Refusal of authorisation Article 16 - Prior consultation of the competent authorities of other Member States Article 17 - Branches of credit institutions authorised in another Member State Article 18 - Withdrawal of authorisation Article 19 - Name of credit institutions Article 20 - Notification of authorisation and withdrawal of authorisation Article 21 - Waiver for credit institutions permanently affiliated to a central body GL Article 21a - Approval of financial holding companies and mixed financial holding companies Q&A Article 21b - Intermediate EU parent undertaking Q&AGL

CHAPTER 2 - Qualifying holding in a credit institution (Article 22-27)

TITLE IV - INITIAL CAPITAL OF INVESTMENT FIRMS (Article 28-32)

TITLE V - PROVISIONS CONCERNING THE FREEDOM OF ESTABLISHMENT AND THE FREEDOM TO PROVIDE SERVICES (Article 33-46)

TITLE VI - RELATIONS WITH THIRD COUNTRIES (Article 47-48)

TITLE VII - PRUDENTIAL SUPERVISION (Article 49-142)

TITLE VIII - DISCLOSURE BY COMPETENT AUTHORITIES (Article 143-144)

TITLE IX - DELEGATED AND IMPLEMENTING ACTS (Article 145-149)

TITLE X - AMENDMENTS OF DIRECTIVE 2002/87/EC (Article 150)

TITLE XI - TRANSITIONAL AND FINAL PROVISIONS (Article 151-165)

ANNEX I RTSQ&A ANNEX II