16. For the purpose of ensuring that the resulting downturn LGDs are used if they are more conservative than the according long-run average LGDs in line with Article 181(1)(b) of Regulation (EU) No 575/2013, institutions should apply the following:

(a) where institutions use separate estimation methodologies for long-run average LGD and downturn LGD, compare their final downturn LGDs used for calibration plus the according final MoC as set out in paragraph 45 of the [EBA GL on PD and LGD estimation], to their long-run average LGDs plus the according final MoC as set out in paragraph 45 of the [EBA GL on PD and LGD estimation] at the level where the long-run average LGD is calculated for the purpose of calibrating LGD in accordance with paragraph 161 of the [EBA GL on PD and LGD estimation];