@prefix dcterms: <http://purl.org/dc/terms/> .
@prefix edu: <https://knobit.org/def/> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix schema: <https://schema.org/> .
@prefix xsd: <http://www.w3.org/2001/XMLSchema#> .

<https://knobit.org/id/task/dg-strategy-scorecard-trace/I3> a edu:Question ;
    rdfs:label "I3 (1.5 points)"@en ;
    dcterms:license <https://creativecommons.org/licenses/by/4.0/> ;
    schema:hasPart <https://knobit.org/id/register/data-governance#DG-159>,
        <https://knobit.org/id/register/data-governance#DG-160>,
        <https://knobit.org/id/register/data-governance#DG-161> ;
    schema:identifier "I3" ;
    schema:position 6 ;
    schema:text "Binding rules and definitions, 0.5 each. (a) DR-1 BCBS 239 is recorded as an EU regulation published in EUR-Lex: it is supervisory guidance (Basel Committee principles published by the BIS, applied through the ECB's supervisory expectations), not a legal act. (b) DR-2 GDPR is recorded as a directive transposed into Estonian law and DR-3 PCI DSS as supervisory guidance: GDPR is Regulation (EU) 2016/679, directly applicable and published in EUR-Lex (the Estonian Personal Data Protection Act only supplements it, in Riigi Teataja), and PCI DSS is a contractual standard binding through the card scheme and acquirer agreements; both needed for the half point. (c) T-1 is circular and T-2 lists forbearance measures instead of defining the exposure: both rewritten as intensional definitions - the superordinate concept (a credit exposure, T-3) plus the characteristics that delimit it (T-1: more than 90 days past due or the obligor unlikely to pay; T-2: a concession granted to an obligor in financial difficulty)."@en .

edu:Question rdfs:label "Question"@en,
        "Küsimus"@et .

<https://knobit.org/id/register/data-governance#DG-159> rdfs:label "dg-strategy-scorecard-trace I3: BCBS 239 is supervisory guidance, not an EU regulation"@en .

<https://knobit.org/id/register/data-governance#DG-160> rdfs:label "dg-strategy-scorecard-trace I3: GDPR is a directly applicable EU regulation and PCI DSS a contractual standard"@en .

<https://knobit.org/id/register/data-governance#DG-161> rdfs:label "dg-strategy-scorecard-trace I3: T-1 and T-2 rewritten as intensional definitions of a credit exposure"@en .