Article 9 — Calculation of own funds

PSD2 — direktiv (EU) 2015/2366

Offisiell tekst

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1. Notwithstanding the initial capital requirements set out in Article 7, Member States shall require payment institutions, except those offering only services as referred to in point (7) or (8), or both, of Annex I, to hold, at all times, own funds calculated in accordance with one of the following three methods, as determined by the competent authorities in accordance with national legislation:

Method A

The payment institution’s own funds shall amount to at least 10 % of its fixed overheads of the preceding year. The competent authorities may adjust that requirement in the event of a material change in a payment institution’s business since the preceding year. Where a payment institution has not completed a full year’s business at the date of the calculation, the requirement shall be that its own funds amount to at least 10 % of the corresponding fixed overheads as projected in its business plan, unless an adjustment to that plan is required by the competent authorities.

Method B

The payment institution’s own funds shall amount to at least the sum of the following elements multiplied by the scaling factor k defined in paragraph 2, where payment volume (PV) represents one twelfth of the total amount of payment transactions executed by the payment institution in the preceding year:

(a) 4,0 % of the slice of PV up to EUR 5 million;

plus

(b) 2,5 % of the slice of PV above EUR 5 million up to EUR 10 million;

plus

(c) 1 % of the slice of PV above EUR 10 million up to EUR 100 million;

plus

(d) 0,5 % of the slice of PV above EUR 100 million up to EUR 250 million;

plus

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