eba.europa.eu/sites/default/documents/files/documents/10180/1659311/52eac8df-620a-4077-b3fe-466c3b0f8575/Consultation%20Paper%20on%20Guidelines%20on%20PD%20LGD%20estimation%20and%20treatment%20of%20defaulted%20assets%20%28EBA-CP-2016-21%29.pdf
EBA/CP/2016/21
Referral from Article 173 CRR