eba.europa.eu/sites/default/documents/files/documents/10180/2071742/3292faad-957e-427f-851a-23f5a3fd5bc5/EBA%20Op%202017%2017%20%28Annex%20to%20the%20EBA%20Opinion%20on%20180%20DPD%29.pdf
EBA/OP/2017/17
Referral from Article 178 CRR