1.   An application for the authorisation of a credit institution within the meaning of Article 4(1), point (1)(b), of Regulation (EU) No 575/2013 shall comply with the requirements regarding credit institutions laid down in Articles 3 to 10 of Delegated Regulation (EU) 2022/2580.

2.   Competent authorities may require additional information, provided that such information is proportionate and relevant for the purposes of the authorisation assessment.

3.   Unless the competent authority requires otherwise, the applicant is not required to provide the information set out in paragraph 1 where this information is already held by the competent authority, including where it has been requested and obtained from another competent authority, provided that the applicant certifies that such information is accurate and complete on the date of the application’s submission.

4.   An applicant credit institution may omit from the application information that is solely relevant to activities not indicated in the information set out in the programme of operations pursuant to Article 5 of Delegated Regulation (EU) 2022/2580, provided that the applicant identifies in the application the information omitted and cites this provision as the basis for the omission.

5.   Following the assessment of the information submitted in the application, the competent authority may require the applicant to provide additional information or explanations, where the authority considers it necessary for the purposes of verifying whether all requirements for authorisation have been satisfied.

6.   The applicant credit institution shall ensure that the information submitted in the application is up to date to ensure the completeness and accuracy of the information on the applicant credit institution’s situation.