a bank's risk of suffering a loss when it credits a customer's account before funds are collected from the payer. In the context of the 2nd Council Directive 89/646 the word seems to be used in a more general sense expressing the overall risks of the credit institution in a particular transaction), the total amount of credit committed to a single borrower or to a single country if external debt is considered, a credit institution's exposure to a client or group of connected clients shall be considered a large exposure where its value is equal to or exceeds 10 % of its own funds, ühe kliendi või omavahel seotud isikute sellised võlgnevused ja potentsiaalsed kohustused krediidiasutuse või tema konsolideerimisgrupi ees, mis on võrdsed või ületavad 10 protsenti krediidiasutuse või tema konsolideerimisgrupi neto-omavahenditest