
Article 1 

1. The entities listed in the Annex shall be subject to the comprehensive assessment to be carried out by the ECB.
2. Novo Banco, SA shall only be subject to the stress test part of the comprehensive assessment.
3. In accordance with Article 10 of Regulation (EU) No 1024/2013, the credit institutions identified in the Annex as subject to the comprehensive assessment shall submit all information of relevance to this assessment requested by the ECB.
Article 2 

1. In accordance with Article 11 of Regulation (EU) No 1024/2013, the ECB may exercise its investigatory powers in respect of the credit institutions identified in the Annex.
2. The ECB shall verify the information received from the credit institutions, including, where necessary, through on-site inspections, and shall be assisted by national competent authorities, where appropriate, with the involvement of third parties, in accordance with Articles 9 to 13 of Regulation (EU) No 1024/2013. The ECB may invite, whenever necessary, national competent authorities to appoint non-statutory auditors for the performance of the asset quality review as part of the comprehensive assessment.
Article 3 
This Decision shall enter into force on 6 May 2015.
Done at Frankfurt am Main, 27 April 2015.
The President of the ECB
Mario DRAGHI
ANNEX
Banque Degroof S.A.

Agence Française de Développement

J.P. Morgan Bank Luxembourg S.A.

Mediterranean Bank plc

Sberbank Europe AG

VTB Bank (Austria) AG

Novo Banco, SA (only for the stress test)

Unicredit Banka Slovenija d.d.

Kuntarahoitus Oyj (Municipality Finance plc)
