unencumbered loans with a residual maturity of one year or more, excluding loans to financial customers, residential mortgage loans and loans referred to in Article 428r to 428ae, which are not past due for more than 90 days and which are assigned a risk weight of more than 35% in accordance with Chapter 2 of Title II of Part Three;
neobremenjeni krediti s preostalo zapadlostjo enega leta ali več, razen kreditov za finančne stranke, stanovanjskih hipotekarnih kreditov in kreditov iz členov 428r do 428ae, ki so zapadli pred manj kot 90 dnevi in ki jim je dodeljena utež tveganja 35% ali manj v skladu s poglavjem 2 naslova II dela 3;