1. TREATMENT
1. A credit institution may nominate one or more eligible ECAIs to be used for the determination of risk weights to be assigned to asset and off-balance sheet items.
2. A credit institution which decides to use the credit assessments produced by an eligible ECAI for a certain class of items must use those credit assessments consistently for all exposures belonging to that class.
3. A credit institution which decides to use the credit assessments produced by an eligible ECAI must use them in a continuous and consistent way over time.
4. A credit institution can only use ECAIs credit assessments that take into account all amounts both in principal and in interest owed to it.
5. If only one credit assessment is available from a nominated ECAI for a rated item, that credit assessment shall be used to determine the risk weight for that item.
6. If two credit assessments are available from nominated ECAIs and the two correspond to different risk weights for a rated item, the hig
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