Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Available stable funding must equal the sum of its eight parts (C 81.00.c, EBA rule v11371_m)

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

Check your file against this ruleWhat to do if it fails

The rule in plain words

Available stable funding must equal these eight added up:

  • ASF from capital items and instruments
  • ASF from retail deposits
  • ASF from other non-financial customers (except central banks)
  • ASF from liabilities and committed facilities within a group or an IPS if subject to preferential treatment
  • ASF from financial customers and central banks
  • ASF from liabilities provided where the counterparty cannot be determined
  • ASF from interdependent liabilities
  • ASF from other liabilities

EBA checks it for two columns: ≥ 6 months to < 1 year and ≥ 1 year. That makes two 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.

C_81.00.C: AVAILABLE STABLE FUNDING, ≥ 6 months to < 1 year = C_81.00.A: ASF from capital items and instruments, ≥ 6 months to < 1 year + C_81.00.A: ASF from retail deposits, ≥ 6 months to < 1 year + C_81.00.A: ASF from other non-financial customers (except central banks), ≥ 6 months to < 1 year + C_81.00.A: ASF from liabilities and committed facilities within a group or an IPS if subject to preferential treatment, ≥ 6 months to < 1 year + C_81.00.A: ASF from financial customers and central banks, ≥ 6 months to < 1 year + C_81.00.A: ASF from liabilities provided where the counterparty cannot be determined, ≥ 6 months to < 1 year + C_81.00.A: ASF from interdependent liabilities, ≥ 6 months to < 1 year + C_81.00.A: ASF from other liabilities, ≥ 6 months to < 1 year

What to do if your filing fails it

  1. 01Open the templates 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  3. 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.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

  • 0020ASF from capital items and instruments
  • 0070ASF from retail deposits
  • 0130ASF from other non-financial customers (except central banks)
  • 0220ASF from liabilities and committed facilities within a group or an IPS if subject to preferential treatment
  • 0230ASF from financial customers and central banks
  • 0310ASF from liabilities provided where the counterparty cannot be determined
  • 0330ASF from interdependent liabilities
  • 0390ASF from other liabilities

Columns

  • 0020≥ 6 months to < 1 year
  • 0030≥ 1 year

NSFR - available stable funding (III), total (C 81.00.c)

Row

  • 0010AVAILABLE STABLE FUNDING

Columns

  • 0020≥ 6 months to < 1 year
  • 0030≥ 1 year
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.c,r0010,c0020,} = {C_81.00.a,r0020,c0020,} + {C_81.00.a,r0070,c0020,} + {C_81.00.a,r0130,c0020,} + {C_81.00.a,r0220,c0020,} + {C_81.00.a,r0230,c0020,} + {C_81.00.a,r0310,c0020,} + {C_81.00.a,r0330,c0020,} + {C_81.00.a,r0390,c0020,}

The next one:

{C_81.00.c,r0010,c0030,} = {C_81.00.a,r0020,c0030,} + {C_81.00.a,r0070,c0030,} + {C_81.00.a,r0130,c0030,} + {C_81.00.a,r0220,c0030,} + {C_81.00.a,r0230,c0030,} + {C_81.00.a,r0310,c0030,} + {C_81.00.a,r0330,c0030,} + {C_81.00.a,r0390,c0030,}

Every NSFR rule, by template

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