The rule in plain words
Other retail deposits cannot be less than with a material early withdrawable penalty.
EBA checks it for two columns: ≥ 1 year and available stable funding. That makes two checks. A failure names the one that failed.
How the Line4 Check report words itShowHide
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: Other retail deposits >= of which with a material early withdrawable penalty
What to do if your filing fails it
- 01Open the template below and find the cells the rule reads.
- 02Compare the values in your file. If the first is smaller than it may be, one of them is wrong: check both before you change either.
- 03EBA allows a small rounding difference, worked out from the decimals each value is reported with.
- 04It runs only when your filing indicators mark C 81.00 as reported.
- 05This 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), significant currencies (C 81.00.w)
Rows
- 0110Other retail deposits
- 0120of which with a material early withdrawable penalty
Columns
- 0030≥ 1 year
- 0100Available stable funding
A worked example
The first of its checks, with simple numbers.
With a material early withdrawable penalty can then be at most 1,200.
A file that reports 1,200 passes. One that reports 1,300 fails, by 100.
The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.
Show the rule as writtenShowHide
EBA's formula, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.
{C_81.00.w,r0110,c0100,} >= {C_81.00.w,r0120,c0100,}The next one:
{C_81.00.w,r0110,c0030,} >= {C_81.00.w,r0120,c0030,}Other rules on C 81.00.w
- Stable retail deposits cannot be less than with a material early withdrawable penalty (v10134_m)Warning
- ASF from other non-financial customers (except central banks) must equal the sum of its six parts (v10136_m)Warning
- ASF from retail deposits cannot be less than retail bonds (v10133_m)Warning
- ASF from other non-financial customers (except central banks) cannot be less than securities financing transactions (v10137_m)Warning
- ASF from retail deposits must equal stable retail deposits plus other retail deposits (v10132_m)Warning
- ASF from other non-financial customers (except central banks) cannot be less than operational deposits (v10138_m)Warning
- ASF from capital items and instruments must equal the sum of its four parts (v10131_m)Warning
- ASF from financial customers and central banks must equal the sum of its three parts (v10139_m)Warning
Checks like this one, run at the point of submission, are the first step to real-time supervision.