This is a response to the call for advice from European Commission on the resolution framework for EU banks, covering the definition of critical functions and core business lines and rules for the exemption of liabilities from the application of the bail-in tool.  As regards the bail- in exemptions, the EBA noted that these exemptions should be applied on a case-by-case basis, rather than based on the characteristics of institutions.  It was also noted that this exemption should be applied cautiously.