Updated 05/02/2025
In force

Initial Legal Act
Amendments (1)
There is currently no Level 2 legal act based on or specifying Article 73.
EBA/CP/2015/21 - Related Material
EBA/GL/2015/20 - Related Material
EBA/GL/2016/10 - Related Material
EBA/GL/2018/02 - Related Material
EBA/GL/2021/11 - Related Material
EBA/GL/2022/14 - Related Material
EBA/CP/2013/23
Published: 27/06/2013
Art. 73
EBA/CP/2014/28
Published: 26/09/2014
Art. 73
EBA/CP/2015/06
Published: 19/03/2015
Art. 73
EBA/CP/2015/21
Published: 12/11/2015
Art. 73
EBA/CP/2015/26
Published: 11/12/2015
Art. 73
EBA/GL/2015/02
Published: 06/05/2015
Art. 73
EBA/GL/2015/02
Published: 23/07/2015
Art. 73
EBA/GL/2015/08
Published: 22/05/2015
Art. 73
EBA/GL/2015/08
Published: 05/10/2015
Art. 73
EBA/GL/2015/20
Published: 03/06/2016
Art. 73
EBA/GL/2016/10
Published: 10/02/2017
Art. 73
EBA/GL/2016/10
Published: 03/11/2016
Art. 73
EBA/CP/2017/19
Published: 31/10/2017
Art. 73
EBA/GL/2018/02
Published: 19/07/2018
Art. 73
EBA/GL/2018/02
Published: 18/07/2018
Art. 73
EBA/CP/2021/13
Published: 18/03/2021
Art. 73
EBA/CP/2021/37
Published: 02/12/2021
Art. 73
EBA/GL/2021/11
Published: 09/11/2021
Art. 73
EBA/GL/2022/14
Published: 20/10/2022
Art. 73
ECB Guide to ICAAP
Published: 09/11/2018
Art. 73
Guide on climate-related and environmental risks
Published: 27/11/2020
Art. 73
Draft ECB Guide to the internal capital adequacy assessment process (ICAAP)
Published: 02/03/2018
Art. 73
Good practices for climaterelated and environmental risk management
Published: 28/10/2022
Art. 73
Digitalisation: assessment criteria and sound practices
Published: 10/07/2024
Art. 73(1)
Risikotragfähigkeit: Neuer Leitfaden der Bankenaufsicht
Published: 16/07/2018
Art. 73
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CRD IV ToolCapital Requirements Directive (CRD IV)
Article 73

Article 73 - Directive 2013/36/EU (CRD IV)

Attention! The current consolidated version does not take into account changes made to this Article by Directive 2024/1619. Please consult Directive 2024/1619 to review the changes made to the Article.

Article 73

Internal Capital

Institutions shall have in place sound, effective and comprehensive strategies and processes to assess and maintain on an ongoing basis the amounts, types and distribution of internal capital that they consider adequate to cover the nature and level of the risks to which they are or might be exposed.

Those strategies and processes shall be subject to regular internal review to ensure that they remain comprehensive and proportionate to the nature, scale and complexity of the activities of the institution concerned.