eba.europa.eu/sites/default/documents/files/documents/10180/604462/ae654ec6-9a85-4890-9fc5-e5efe046d61e/2012-11-05--Letter-on-draft-CRR---EBA-Op-2012-03-.pdf
EBA/OP/2012/03
Referral from Article 80 CRR