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eba.europa.eu/sites/default/files/documents/10180/2551996/f892da33-5cb2-44f8-ae5d-68251b9bab8f/Final%20Report%20on%20Guidelines%20on%20LGD%20estimates%20under%20downturn%20conditions.pdf
EBA/GL/2019/03
Referral from Article 143 CRR