Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

An upper-limit check across insured and uninsured deposits and uninsured deposit-like financial instruments, and liabilities (P 02.01, P 01.02, EBA rule v4134_m)

A warning in the funding plans return (FP), on templates P 01.02, liabilities and P 02.01, insured and uninsured deposits and uninsured deposit-like financial instruments.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Deposits not covered by a deposit guarantee scheme according to Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co, P 02.01 plus deposits covered by a deposit guarantee scheme according to Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third countr, P 02.01 cannot be more than these six added up:

  • Deposits from households (excl. repurchase agreements), P 01.02
  • Deposits from other financial corporations (excl. repurchase agreements), P 01.02
  • Deposits from credit institutions (excl. repurchase agreements), P 01.02
  • Deposits from general governments (excl. repurchase agreements), P 01.02
  • Deposits from central banks (excl. repurchase agreements), P 01.02
  • Deposits from non-financial corporations (excl. repurchase agreements), P 01.02

EBA checks it for four columns: actual current position, planned Year 1 Position, planned Year 2 Position and planned Year 3 Position. That makes eight checks. A failure names the one that failed.

The headline gives only the kind of check and the template, because the rule is too long to say in a headline. The plain words above say all of it.

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.

P_02.01: Deposits not covered by a Deposit Guarantee Scheme according to Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co, Planned Year 2 Position + P_02.01: Deposits covered by a Deposit Guarantee Scheme according to Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third countr, Planned Year 2 Position <= P_01.02: Deposits from households (excl. repurchase agreements), Planned Year 2 Position + P_01.02: Deposits from other financial corporations (excl. repurchase agreements), Planned Year 2 Position + P_01.02: Deposits from credit institutions (excl. repurchase agreements), Planned Year 2 Position + P_01.02: Deposits from general governments (excl. repurchase agreements), Planned Year 2 Position + P_01.02: Deposits from central banks (excl. repurchase agreements), Planned Year 2 Position + P_01.02: Deposits from non-financial corporations (excl. repurchase agreements), Planned Year 2 Position

What to do if your filing fails it

  1. 01Open the templates below and find the cells the rule reads.
  2. 02Compare the values in your file. If the first is bigger than it may be, one of them is wrong: check both before you change either.
  3. 03EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  4. 04It runs only when your filing indicators mark P 02.01 and P 01.02 as reported.
  5. 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

Liabilities (P 01.02)

Rows

  • 020Deposits from households (excl. repurchase agreements)
  • 060Deposits from non-financial corporations (excl. repurchase agreements)
  • 130Deposits from credit institutions (excl. repurchase agreements)
  • 140Deposits from other financial corporations (excl. repurchase agreements)
  • 145Deposits from central banks (excl. repurchase agreements)
  • 147Deposits from general governments (excl. repurchase agreements)

Columns

  • 010Actual current position
  • 030Planned Year 1 Position
  • 040Planned Year 2 Position
  • 050Planned Year 3 Position

Insured and uninsured deposits and uninsured deposit-like financial instruments (P 02.01)

Rows

  • 010Deposits covered by a Deposit Guarantee Scheme according to Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third countr
  • 020Deposits not covered by a Deposit Guarantee Scheme according to Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co

Columns

  • 010Actual current position
  • 030Planned Year 1 Position
  • 040Planned Year 2 Position
  • 050Planned Year 3 Position
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}.

sum({P_02.01,r020,c040,},{P_02.01,r010,c040,}) <= sum({P_01.02,r020,c040,},{P_01.02,r140,c040,},{P_01.02,r130,c040,},{P_01.02,r147,c040,},{P_01.02,r145,c040,},{P_01.02,r060,c040,})

The next five:

sum({P_02.01,r020,c040,},{P_02.01,r010,c040,}) <= sum({P_01.02,r020,c040,},{P_01.02,r140,c040,},{P_01.02,r130,c040,},{P_01.02,r147,c040,},{P_01.02,r145,c040,},{P_01.02,r060,c040,})sum({P_02.01,r020,c030,},{P_02.01,r010,c030,}) <= sum({P_01.02,r145,c030,},{P_01.02,r140,c030,},{P_01.02,r060,c030,},{P_01.02,r147,c030,},{P_01.02,r020,c030,},{P_01.02,r130,c030,})sum({P_02.01,r020,c050,},{P_02.01,r010,c050,}) <= sum({P_01.02,r145,c050,},{P_01.02,r147,c050,},{P_01.02,r130,c050,},{P_01.02,r020,c050,},{P_01.02,r060,c050,},{P_01.02,r140,c050,})sum({P_02.01,r020,c010,},{P_02.01,r010,c010,}) <= sum({P_01.02,r147,c010,},{P_01.02,r140,c010,},{P_01.02,r020,c010,},{P_01.02,r130,c010,},{P_01.02,r060,c010,},{P_01.02,r145,c010,})sum({P_02.01,r020,c010,},{P_02.01,r010,c010,}) <= sum({P_01.02,r147,c010,},{P_01.02,r140,c010,},{P_01.02,r020,c010,},{P_01.02,r130,c010,},{P_01.02,r060,c010,},{P_01.02,r145,c010,})

And 2 more, the same formula for the other cells it covers.

Every FP rule, by template

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