to disclose on (a) activities’ name and place (b) the credit institution's turnover (c) employees who are full time (d) profits and loss before tax (e) after tax (f) public subsidies received. Article 91 says management body members must have skills to do duties, ‘reflect an adequately broad range of experiences’ (2) spend enough time to do work (3) no more than one exec directorship and two non-exec directorships or four non-exec directorships (4) definitions (5) not counting non-commercial jobs (6) competent authorities can authorise an additional one (7) management must understand main risks (8) independence (9) training (10) the nomination-committee should ‘put in place a policy promoting diversity on the management board’ (11) with reference to article 435(2) of the Capital Requirements Regulation 575/2013 to benchmark diversity, and finally (12) the European Banking Authority will establish guidelines on time, knowledge, integrity, diversity, etc. Article 92 states remuneration policies should be enforced by competent authorities. Article 93 states institutions receiving government support should (a) strictly limit variable pay to ‘percentage of net revenue’ (b) set by competent authority, (c) and have no variable given pay to management ‘unless justified’. Article 95 says there must be a remuneration committee for all credit institutions, with non-executive directors. ‘If employee representation... is provided for by national law, the remuneration committee shall include one or more employee representatives.’ Lastly, article 96 requires a credit institution to maintain a website on governance and pay for the rules under articles 88–96. Section III of Title VII concerns the supervisory review and evaluation process. Article 100 contains rules on the "annual stress test". Titles VIII-XI, final provisions Title VIII requires disclosure by competent authorities. Title IX concerns implementing acts. Title X concerns amendments. Title XI contains transitional and final provisions. See also EU law Banking law Notes References European Union directives