{
  "url": "https://openlegislation.uk/eu-directive-1989-647",
  "json_url": "https://openlegislation.uk/eu-directive-1989-647.json",
  "id": "eudr/1989/647",
  "title": "Council Directive 89/647/EEC of 18 December 1989 on a solvency ratio for credit institutions",
  "short_title": "Council Directive 89/647/EEC of 18 December 1989 on a solvency ratio for credit institutions",
  "long_title": null,
  "citation": "EU Directive 1989/647",
  "type": "eudr",
  "year": "1989",
  "number": "647",
  "version": "current",
  "date": "1989-12-18",
  "revised": false,
  "valid_from": null,
  "extent": null,
  "unapplied_effects": 21,
  "provisions": [],
  "outstanding_effects": [
    {
      "type": "amendment",
      "affected_provisions": "Art. 11(4)",
      "affecting": "",
      "affecting_title": "ACT concerning the conditions of accession of the Kingdom of Norway, the Republic of Austria, the Republic of Finland and the Kingdom of Sweden and the adjustments to the Treaties on which the European Union is founded, ANNEX I - List referred to in Article 29 of the Act of Accession - XI. INTERNAL MARKET AND FINANCIAL SERVICES - B. DIRECT TAXATION, INSURANCE AND CREDIT INSTITUTIONS - III. CREDIT INSTITUTIONS",
      "affecting_provisions": "Act"
    },
    {
      "type": "completion",
      "affected_provisions": "Art. 6(1)",
      "affecting": "",
      "affecting_title": "ACT concerning the conditions of accession of the Kingdom of Norway, the Republic of Austria, the Republic of Finland and the Kingdom of Sweden and the adjustments to the Treaties on which the European Union is founded, ANNEX I - List referred to in Article 29 of the Act of Accession - XI. INTERNAL MARKET AND FINANCIAL SERVICES - B. DIRECT TAXATION, INSURANCE AND CREDIT INSTITUTIONS - III. CREDIT INSTITUTIONS",
      "affecting_provisions": "Act"
    },
    {
      "type": "amendment",
      "affected_provisions": "Art. 3(3)",
      "affecting": "eudr/1992/30",
      "affecting_title": "Council Directive 92/30/EEC of 6 April 1992 on the supervision of credit institutions on a consolidated basis",
      "affecting_provisions": "Directive"
    },
    {
      "type": "amendment",
      "affected_provisions": "Art. 2(1)",
      "affecting": "eudr/1992/30",
      "affecting_title": "Council Directive 92/30/EEC of 6 April 1992 on the supervision of credit institutions on a consolidated basis",
      "affecting_provisions": "Directive"
    },
    {
      "type": "completion",
      "affected_provisions": "Art. 2(1)",
      "affecting": "eudr/1995/15",
      "affecting_title": "Commission Directive 95/15/EC of 31 May 1995 adapting Council Directive 89/647/EEC on a solvency ratio for credit institutions, as regards the technical definition of 'Zone A' and in respect of the weighting of asset items constituting claims carrying the explicit guarantee of the European Communities",
      "affecting_provisions": "Directive"
    },
    {
      "type": "amendment",
      "affected_provisions": "Art. 6(1)",
      "affecting": "eudr/1995/15",
      "affecting_title": "Commission Directive 95/15/EC of 31 May 1995 adapting Council Directive 89/647/EEC on a solvency ratio for credit institutions, as regards the technical definition of 'Zone A' and in respect of the weighting of asset items constituting claims carrying the explicit guarantee of the European Communities",
      "affecting_provisions": "Directive"
    },
    {
      "type": "replacement",
      "affected_provisions": "Annex 2",
      "affecting": "eudr/1996/10",
      "affecting_title": "Directive 96/10/EC of the European Parliament and of the Council of 21 March 1996 amending Directive 89/647/EEC as regards recognition of contractual netting by the competent authorities",
      "affecting_provisions": "Directive"
    },
    {
      "type": "replacement",
      "affected_provisions": "Art. 11(5)",
      "affecting": "eudr/1998/32",
      "affecting_title": "Directive 98/32/EC of the European Parliament and of the Council of 22 June 1998 amending, as regards in particular mortgages, Council Directive 89/647/EEC on a solvency ratio for credit institutions",
      "affecting_provisions": "Directive"
    },
    {
      "type": "completion",
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      "affecting": "eudr/1998/32",
      "affecting_title": "Directive 98/32/EC of the European Parliament and of the Council of 22 June 1998 amending, as regards in particular mortgages, Council Directive 89/647/EEC on a solvency ratio for credit institutions",
      "affecting_provisions": "Directive"
    },
    {
      "type": "replacement",
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      "affecting": "eudr/1998/32",
      "affecting_title": "Directive 98/32/EC of the European Parliament and of the Council of 22 June 1998 amending, as regards in particular mortgages, Council Directive 89/647/EEC on a solvency ratio for credit institutions",
      "affecting_provisions": "Directive"
    },
    {
      "type": "completion",
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      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
      "affecting_provisions": "Directive"
    },
    {
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      "affecting_provisions": "Directive"
    },
    {
      "type": "amendment",
      "affected_provisions": "Art. 5(3)",
      "affecting": "eudr/1998/33",
      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
      "affecting_provisions": "Directive"
    },
    {
      "type": "replacement",
      "affected_provisions": "Art. 8(1)",
      "affecting": "eudr/1998/33",
      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
      "affecting_provisions": "Directive"
    },
    {
      "type": "completion",
      "affected_provisions": "Art. 7(2)",
      "affecting": "eudr/1998/33",
      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
      "affecting_provisions": "Directive"
    },
    {
      "type": "replacement",
      "affected_provisions": "Art. 6(3)",
      "affecting": "eudr/1998/33",
      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
      "affecting_provisions": "Directive"
    },
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      "type": "completion",
      "affected_provisions": "Art. 2(2)",
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      "affecting_provisions": "Directive"
    },
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      "type": "completion",
      "affected_provisions": "Art. 7(1)",
      "affecting": "eudr/1998/33",
      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
      "affecting_provisions": "Directive"
    },
    {
      "type": "replacement",
      "affected_provisions": "Annex 3",
      "affecting": "eudr/1998/33",
      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
      "affecting_provisions": "Directive"
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      "type": "completion",
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      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
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    {
      "type": "completion",
      "affected_provisions": "Art. 6(2)",
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      "affecting_title": "Directive 98/33/EC of the European Parliament and of the Council of 22 June 1998 amending Article 12 of Council Directive 77/780/EEC on the taking up and pursuit of the business of credit institutions, Articles 2, 5, 6, 7, 8 of and Annexes II and III to Council Directive 89/647/EEC on a solvency ratio for credit institutions and Article 2 of and Annex II to Council Directive 93/6/EEC on the capital adequacy of investment firms and credit institutions",
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  "made_under": [],
  "changes_made_to": 21,
  "changes_made_to_url": "https://openlegislation.uk/eu-directive-1989-647/changes.json",
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  "instruments_made_under_url": "https://openlegislation.uk/eu-directive-1989-647/instruments.json",
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eudr/1989/647",
    "retrieved_at": "2026-11-01T15:23:28.679804+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}