Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Amount covered by a deposit guarantee scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co cannot be negative (C 68.00.w, EBA rule v4346_s)

A warning in the additional liquidity monitoring metrics return (ALMM), on template C 68.00.w, concentration of funding by product type, significant currencies.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Amount covered by a deposit guarantee scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co cannot be negative.

EBA checks it for 14 rows, from retail funding (0010) to financial liabilities other than derivatives and short positions from intra-group entities (0190). That makes 14 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.

Amount covered by a Deposit Guarantee Scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co: RETAIL FUNDING >= 0

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Look for a value with the wrong sign in these cells, such as an amount entered as a negative number.
  3. 03EBA compares the values exactly here: there is no rounding tolerance.
  4. 04It runs only when your filing indicators mark C 68.00 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

Concentration of funding by product type, significant currencies (C 68.00.w)

Rows

  • 0010RETAIL FUNDING
  • 0020of which sight deposits
  • 0031of which term deposits not withdrawable within the following 30 days
  • 0041of which term deposits withdrawable within the following 30 days
  • 0080with a notice period for withdrawl greater than 30 days
  • 0090without a notice period for withdrawl greater than 30 days
  • 0110Unsecured wholesale funding
  • 0130of which loans and deposits from non financial customers
  • 0140of which loans and deposits from intra-group entities
  • 0150Secured wholesale funding
  • 0160of which SFTs
  • 0170of which covered bond issuance
  • 0180of which asset backed security issuance
  • 0190of which financial liabilities other than derivatives and short positions from intra-group entities

Column

  • 0020Amount covered by a Deposit Guarantee Scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co

A worked example

The first of its checks, with simple numbers.

What the rule then expects

Retail funding, amount covered by a deposit guarantee scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co must then be at least 0.

0Passes
-100Fails

A file that reports 0 passes. One that reports -100 fails, by 100.

The numbers are illustrative.

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_68.00.w,r0010,c0020,} >= 0

The next five:

{C_68.00.w,r0031,c0020,} >= 0{C_68.00.w,r0130,c0020,} >= 0{C_68.00.w,r0090,c0020,} >= 0{C_68.00.w,r0160,c0020,} >= 0{C_68.00.w,r0170,c0020,} >= 0

And 8 more, the same formula for the other cells it covers.

Every ALMM rule, by template

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