eba.europa.eu/sites/default/documents/files/documents/10180/2192133/f5a2e068-dc4b-4a0e-a10f-378b517ac19c/Guidelines%20on%20PD%20and%20LGD%20estimation%20%28EBA-GL-2017-16%29_EN.pdf
EBA/GL/2017/16
Referral from Article 171 CRR