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1

National Physical Laboratory (Great Britain). NPL points of contact. Teddington : National Physical Laboratory, 2001.

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2

National Physical Laboratory (Great Britain). NPL points of contact 1985. Teddington : National Physical Laboratory, 1998.

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3

National Physical Laboratory (Great Britain). NPL points of contact 1985. Teddington : National Physical Laboratory, 1985.

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4

National Physical Laboratory (Great Britain). NPL points of contact 1999-2000. Teddington : National Physical Laboratory, 1999.

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5

Dong, He. The role of KAMCO in resolving nonperforming loans in the Republic of Korea. [Washington D.C.] : International Monetary Fund, Asia and Pacific Dept., 2004.

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6

Branch, National Physical Laboratory (Great Britain) Acoustics. Index of NPL acoustics publications 1971-1980. Teddington : National Physical Laboratory, 1985.

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7

Program, Montana Natural Resource Damage Litigation. Modifications to assessment plan : Clark Fork Basin NPL sites, Montana. Helena?, MT : Dept. of Justice?, 1995.

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8

Inc, RCG/Hagler Bailly. Assessment plan : Part II, Clark Fork River Basin NPL sites, Montana. Helena, Mont.] : State of Montana, Natural Resource Damage Program, 1992.

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9

Montana. Natural Resource Damage Program. Assessment plan : Part III, Clark Fork River Basin NPL sites, Montana. Helena, Mont.] : State of Montana, Natural Resource Damage Program, 1994.

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10

Phitthayāwiwit, Chanin. Wikrit sētthakit, thurakit NPL sathāban kānngœ̄n čha yū rō̜t dai yāngrai. Krung Thēp : ʻAksō̜n Sōphon, 2002.

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11

Montana. Natural Resource Damage Program. Assessment plan : Part I, Clark Fork River Basin NPL sites, Montana. Helena, Mont.] : State of Montana, Natural Resource Damage Program, 1992.

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12

Maest, Ann S. Butte groundwater injury assessment report : Clark Fork River Basin NPL sites, Montana. Mont : RCG/Hagler, Bailly, Inc., 1993.

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13

Maest, Ann S. Butte groundwater injury assessment report : Clark Fork River Basin NPL sites, Montana. Boulder, Colo. ? : RCG/Hagler, Bailly, Inc.?, 1995.

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14

American Bar Association. Tort and Insurance Practice Section. Corporate Counsel Committee., American Bar Association. Tort and Insurance Practice Section. Toxic and Hazardous Substances and Environmental Law Committee. et American Bar Association. Tort and Insurance Practice Section. Professional Officers' and Directors' Liability Law Committee., dir. The case from hell : An NPL waste site becomes a toxic tort case. [Chicago, Ill.] : American Bar Association, 1994.

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15

Rowe, Robert D. Compensable natural resource damage determination for the Upper Clark Fork River NPL sites. Boulder Colo : RCG/Hagler Bailly, 1995.

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16

Rowe, Robert D. Compensable natural resource damage determination for the Upper Clark Fork River NPL sites. Boulder Colo : RCG/Hagler Bailly, 1993.

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17

Lipton, Joshua. Appendices A-E : Terrestrial resources injury assessment report : upper Clark Fork River NPL sites. Helena?, Mont : Dept. of Justice?, 1995.

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18

Montana. Natural Resource Damage Program. Introduction to Report of natural resource damage assessment, Clark Fork River Basin NPL sites, Montana. Helena ? Mont : Dept. of Justice?, 1995.

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19

Program, Montana Natural Resource Damage Litigation. Response to comments on assessment plan : Parts I, II & III : Clark Fork Basin NPL sites, Montana. Helena?, Mont : Dept. of Justice?, 1995.

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20

Montana. Natural Resource Damage Litigation Program. Responses to comments on restoration determination plan issued January 1995 Clark Fork River Basin NPL sites. Helena, Mont : State of Montana, Natural Resource Damage Program, 1995.

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21

Hagler, Bailly Consulting Inc. Revised report and rebuttal : Compensable natural resource damage determination for the Upper Clark Fork River NPL sites. Boulder Colo : Hagler Bailly Consulting, Inc., 1995.

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22

National Physical Laboratory (Great Britain). NPL points of contact : An outline of the role and organisational structure of the National Physical Laboratory.... Teddington : National Physical Laboratory, 1992.

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23

Inc, Hagler Bailly Consulting. Supplemental injury assessment report : Clark Fork River NPL sites NRDA, lethal injuries to snow geese Berkeley Pit, Butte, MT. Boulder, CO : Hagler Bailey Consulting, Inc., 1996.

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24

Center, Langley Research, dir. An evaluation in a modern wind tunnel of the transonic adaptive wall adjustment developed by NPL in the 1940's. Hampton, Va : National Aeronautics and Space Administration, Langley Research Center, 1988.

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25

Inc, Maxim Technologies. Streamside tailings operable unit, Silver Bow Creek/Butte area NPL site : Final design report, remedial action, subarea 1 - Reach A. Helena, MT : Maxim Technologies, Inc., 1999.

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26

Inc, Maxim Technologies. Streamside tailings operable unit, Silver Bow Creek/Butte area NPL site : Preliminary final design report, remedial action, subarea 1 - Reach A. Helena, MT : Maxim Technologies, Inc., 1998.

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27

United States. Environmental Protection Agency. Montana Office. Record of decision : Silver Bow Creek/Butte area NPL site, Warm Springs Ponds Operable Unit, upper Clark Fork River Basin, Montana. [Helena, Mont.] : United States Environmental Protection Agency, [Montana Office], 1990.

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28

Consultants, ESA. Evaluation of alternatives for Pond 1 and below Silver Bow Creek/Butte area NPL site, Warm Springs Ponds Operable Unit, Warm Springs, Montana : Draft. Denver, Colo : ESA Consultants, 1991.

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29

National Physical Laboratory (Great Britain). NPL points of contact : An outline of the role and organisational structure pf the National Physical Laboratory with a list of the current lines of work. Teddington : NPL, 1985.

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30

National Physical Laboratory (Great Britain). NPL points of contact 1986 : An outline of the role and organisational structure of the National Physical Laboratory with a list of the current lines of work.... Teddington : National Physical Laboratory, 1986.

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31

Thai, Thanākhān hǣng Prathēt. Kū wikrit nī NPL kap Khō̜Pō̜Nō̜ : Prawat kānsongsœ̄m kānprapprung khrōngsāng nī nai Prathēt Thai (2541-2549) = The legacy of CDRAC : its lifetime achievement in facilitating debt restructuring in Thailand (1998-2006). Krung Thēp : Fāi Prapprung Khrōngsāng Nī, Thanākhān hǣng Prathēt Thai, 2007.

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32

Dermody, Jessica L. Identification of novel functions of the Paf1C and Npl3 during RNA polymerase II transcription elongation. 2009.

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33

Seah. NPL/Wiley Auger Databank. John Wiley and Sons Ltd, 1998.

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34

Kenadjian, Patrick S., et Andreas Dombret. EDIS, NPLs, Sovereign Debt and Safe Assets. de Gruyter GmbH, Walter, 2020.

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35

Dombret, Andreas, et Patrick S. Kenadjian, dir. EDIS, NPLs, Sovereign Debt and Safe Assets. De Gruyter, 2020. http://dx.doi.org/10.1515/9783110683073.

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36

Kenadjian, Patrick S., et Andreas Dombret. EDIS, NPLs, Sovereign Debt and Safe Assets. de Gruyter GmbH, Walter, 2020.

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37

Kenadjian, Patrick S., et Andreas Dombret. EDIS, NPLs, Sovereign Debt and Safe Assets. de Gruyter GmbH, Walter, 2020.

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38

Corso Avanzato Crediti Deteriorati NPL - UTP. Independently Published, 2020.

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39

De Laurentis, Giacomo, Eugenio Alaio, Elisa Corsi, Emanuelemaria Giusti, Marco Guairo, Carlo Palego, Luca Paulicelli et al. Rischio di credito 2.0. AIFIRM, 2021. http://dx.doi.org/10.47473/2016ppa00030.

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Résumé :
The EBA Guidelines on loan origination and monitoring (hereinafter "GL LOM") undoubtedly represent a substantially new piece of the banking regulatory framework. In fact, for the first time, the regulator moves into a topic that was traditionally outside the scope of financial regulation, so far almost exclusively focused on aspects directly linked to both micro- and macro-prudential stability, notably through capital and liquidity management requirements and guidelines on Business Model and Internal Governance. The credit management process, and in particular loan origination and monitoring, has always been typically considered as a business issue under sole responsibility of banks, as it is considered one of the "core" processes (if not the "core" process) of the banking business. As a matter of fact, since the issue of the capital requirement regulation (i.e., Basel II and Basel III), and the introduction of the use requirements for the rating systems, the regulator moved very close, but not yet, to prescribe specific credit assessment criteria, while dictating methodological and organizational requirements for the authorization of the rating systems, and leaving substantial freedom to banks to define their own models and embedded assessment criteria and indicators. With the GL LOM, the regulator takes a further step, remarkably beyond its traditional remit, dictating principles and rules for the evaluation of the credit quality of borrowers. The starting point for this new approach from the regulator can be found in the ECB guidelines on Non-Performing Loans, later endorsed by the Bank of Italy Guidelines for Less Significant Banks, aimed at encouraging banks to define their NPL management processes and establish reduction plans to achieve NPL ratio targets in line with the regulator's expectations. Consistently with the focus on NPL, the regulation on Calendar Provisioning, amending the CRR was issued; as being a Regulation, it involves all banks, and not only significant ones (for which the ECB Addendum also applies). In addition, the new definition of default (the so-called "new Dod") has defined stricter criteria for the transition of exposures to the default status and also made the return of "cured" exposures to the performing status more difficult. The combined effect of these regulatory changes has been to make the default of counterparties not only more probable but also much more "expensive" for the banks. The natural “next step” of these regulatory changes was to "move backward" into the management process covering loan origination and monitoring . The EBA's stated objective with the issuance of the GL LOM is to define "robust and prudent" standards of lending practices so as to maintain a low level of NPLs in the future. Therefore, the focus of the GL LOM is the definition of requirements (some outlined as prescriptions, others in terms of principles) for the creditworthiness assessment of counterparties and for the management of the related data and information. Notwithstanding the fact that the Final Report has articulated the principle of proportionality much more clearly as compared to the Consultation Paper, the GLs set out three macro-categories of counterparties for which specific requirements are defined: • Individuals • Micro and small businesses • Medium and large companies. The GL LOM also provide recommendations about the valuation of guarantees both at origination and during ongoing monitoring, encouraging the use of advanced statistical models. The GL LOM focus on real estate guarantees, while financial collateral is outside the scope of the GL LOM. In the mind of the regulator, the GL LOM should not only reflect industry practices, but also incorporate the latest supervisory guidance on lending, and provide the stimulus to include ESG, AML/CTF and the use of innovative technologies into banking origination and, where applicable, monitoring processes.
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40

Preassessment screen : Clark Fork River Basin NPL sites, Montana. [Helena, Mont.] : State of Montana Natural Resources Damage Assessment Program, 1991.

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41

The legacy continues... : 60 years NPL, National Physical Laboratory. New Delhi : National Physical Laboratory, 2007.

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42

Moretti, Marina, Jose M. Garrido et James Daniel. Debt Equity Conversions and NPL Securitization in China : Some Initial Considerations. International Monetary Fund, 2016.

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43

Moretti, Marina, Jose M. Garrido et James Daniel. Debt Equity Conversions and NPL Securitization in China : Some Initial Considerations. International Monetary Fund, 2016.

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44

Leonard, Barry. Funding Needs of Non-Federal Superfund National Priority List Npl Sites. Diane Pub Co, 2003.

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45

Moretti, Marina, Jose M. Garrido et James Daniel. Debt Equity Conversions and NPL Securitization in China : Some Initial Considerations. International Monetary Fund, 2016.

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46

Raissi, Mehdi, Anke Weber et Kamiar Mohaddes. Can Italy Grow Out of Its NPL Overhang ? a Panel Threshold Analysis. International Monetary Fund, 2017.

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47

O. Univ. Prof. Helmut Pernsteiner et Markus Dick. Verkauf Von Non Performing Loans : Eine Analyse Von NPL-Transaktionen Aus Bankensicht. Westdeutscher Verlag GmbH, 2010.

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48

Killingback, A. L. T. An opto-electronic triggering device for the NPL ultrasound bean calibrator system. 1996.

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49

Aguero, Pedro Pablo Perez, et Rick Campbell. Npl : Estrategias Diarias Fáciles para Superar la Programación Neuro-Lingüística para Principiantes. Babelcube Inc, 2020.

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50

Raissi, Mehdi, Anke Weber et Kamiar Mohaddes. Can Italy Grow Out of Its NPL Overhang ? a Panel Threshold Analysis. International Monetary Fund, 2017.

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