eba.europa.eu/sites/default/documents/files/documents/10180/1721448/052c260f-da9a-4c86-8f0a-09a1d8ae56e7/Guidelines%20on%20default%20definition%20%28EBA-GL-2016-07%29_EN.pdf
EBA/GL/2016/07
Referral from Article 178 CRR