Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Liabilities provided by financial customers must equal the sum of its three parts (C 81.00.a, EBA rule v10046_m)

A warning in the net stable funding ratio return (NSFR), on template C 81.00.a, nSFR - available stable funding (I), total.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Liabilities provided by financial customers must equal these three added up:

  • Operational deposits
  • Excess operational deposits
  • Other liabilities

EBA checks it for four columns: < 6 months, ≥ 6 months to < 1 year, ≥ 1 year and available stable funding. That makes four checks. A failure names the one that failed.

How the Line4 Check report words itShow

The first of its checks, word for word as the report shows it when it fails. The others read the same, with their own column, row or sheet.

Available stable funding: Liabilities provided by financial customers = Operational deposits + Excess operational deposits + Other liabilities

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Add up the parts in your file and compare the result with the total.
  3. 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.
  4. 04EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  5. 05It runs only when your filing indicators mark C 81.00 as reported.
  6. 06This is a warning. It does not stop the filing on its own, but your authority may ask you to explain it.

The cells it reads

NSFR - available stable funding (I), total (C 81.00.a)

Rows

  • 0270Liabilities provided by financial customers
  • 0280Operational deposits
  • 0290Excess operational deposits
  • 0300Other liabilities

Columns

  • 0010< 6 months
  • 0020≥ 6 months to < 1 year
  • 0030≥ 1 year
  • 0100Available stable funding

A worked example

The first of its checks, with simple numbers.

Illustrative values
Operational deposits1,200
Excess operational deposits800
Other liabilities450
Together2,450
What the rule then expects

Liabilities provided by financial customers must then be 2,450.

2,450Passes
2,550Fails

A file that reports 2,450 passes. One that reports 2,550 fails, by 100.

The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.

Show the rule as writtenShow

EBA's formula, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.

{C_81.00.a,r0270,c0100,} = {C_81.00.a,r0280,c0100,} + {C_81.00.a,r0290,c0100,} + {C_81.00.a,r0300,c0100,}

The next three:

{C_81.00.a,r0270,c0030,} = {C_81.00.a,r0280,c0030,} + {C_81.00.a,r0290,c0030,} + {C_81.00.a,r0300,c0030,}{C_81.00.a,r0270,c0010,} = {C_81.00.a,r0280,c0010,} + {C_81.00.a,r0290,c0010,} + {C_81.00.a,r0300,c0010,}{C_81.00.a,r0270,c0020,} = {C_81.00.a,r0280,c0020,} + {C_81.00.a,r0290,c0020,} + {C_81.00.a,r0300,c0020,}

Every NSFR rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision.