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---
title: "EBA Q&A 2025_7396 — Q&A — Application of general requirements of Chapter 6 [Rejected question]"
shortTitle: "EBA Q&A 2025_7396 — Q&A — Application of general requirements of Chapter 6 [Rejected question]"
answer_id: EBA_QA_2025_7396
status: "Rejected question"
type: qa
instrument_type: qa
authority: EBA
binding: false
binding_character: non_binding
legal_status: withdrawn
regulation: "PSD2"
psd2_level3: true
mica_level2: false
legal_basis: "PSD2"
date: 12 December 2025
source_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7396
lifecycle: "Rejected question"
text_version: "EBA Q&A register, 12 December 2025"
source_url: "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7396"
check_status: matched
verified: true
last_checked: 2026-10-26
checked_against: "the EBA publication"
source:
  prepared_by: "not stated in the document"
  published_by: "EBA"
  published_in: "EBA Single Rulebook Q&A tool"
  evidence:
    prepared_by: "Competent authority"
    locator: "EBA Q&A register entry 2025_7396: no answer; the register names only the 'Type of submitter'"
document_type: "qa_question"
legal_nature: "not_legislation"
addressees: "not stated in the document"
dates:
  published_on: "2025-12-12"
  question_submitted_on: "2025-04-03"
  locators:
    published_on: "EBA Q&A register entry 2025_7396, field 'Rejected publishing date'"
    question_submitted_on: "EBA Q&A register entry 2025_7396, field 'Submission date'"
lifecycle_label: "Rejected question"
---

**Question published in the EBA Q&A tool · no answer · not legislation · published 12 Dec 2025 [Rejected question]**

*Rejected question · EBA Q&A register, 12 December 2025 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7396)*

| | |
|---|---|
| **Full title** | EBA Q&A 2025_7396 — Q&A — Application of general requirements of Chapter 6 \[Rejected question\] |
| **Prepared by** | Not stated in the document |
| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |
| **Reference** | EBA_QA_2025_7396 |
| **Document type** | Q&A |
| **Legal nature** | No answer · not legislation |
| **Addressees** | Not stated in the document |
| **Dates** | Published 12 December 2025; question submitted 3 April 2025 |
| **Legal basis** | PSD2 |
| **Related instruments** | None recorded |
| **Text on this page** | Word for word — the full text of the EBA publication |

**Application of general requirements of Chapter 6 of the Regulation (EU) No 575/2013 regarding the definition of own funds**

### Question

Does the definition of „own funds“ in Article 4(46) of PSD2 refer to the definition of „own funds“ as defined in point 118 of Article 4(1) of Regulation (EU) No 575/2013 only, or are Articles 26 - 88 of Regulation (EU) No 575/2013, in particular Articles 26 (3), 77 and 78 of Regulation (EU) No 575/2013, also refered to by Article 4(46) PSD2?

### Background

According to Article 4(46) PSD2 „own funds“ means funds as defined in point 118 of Article 4(1) of Regulation (EU) No 575/2013 where at least 75 % of the Tier 1 capital is in the form of Common Equity Tier 1 capital as referred to in Article 50 of that Regulation and Tier 2 is equal to or less than one third of Tier 1 capital. The PSD2 only refers to the definition in Regulation (EU) No 575/2013. In addition to definitions and requirements for the components of own funds, Part 2 of Regulation (EU) No 575/2013 also contain, among other things, the obligation to notify a reduction in own funds and the requirement for authorisation from the supervisory authorities to reduce own funds (Articles 77, 78 of Regulation (EU) No 575/2013). Article 26(3) of Regulation (EU) No 575/2013 contains the evaluation of the competent authorities whether issuances of Common Equity Tier 1 instruments meet the criteria set out in Article 28 or, where applicable, Article 29 of Regulation (EU) No 575/2013.

***

### Answer

After very careful consideration of the question posed, the answer to this question cannot be provided in isolation from national law transposing PSD2. Considering that the transposition restrictions arising from Article 107 PSD should also be taken into account and that the answer may impact transpositions of PSD2 in some Member States, a harmonised answer can therefore not be provided to this question via the EBA’s Q&A tool.

***

**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7396)