The rule in plain words
Outflows from unsecured transactions or deposits must equal these eight added up:
- Retail deposits
- Operational deposits
- Excess operational deposits
- Non-operational deposits
- Additional outflows
- Committed facilities
- Other products and services
- Other liabilities and due commitments
EBA checks it for two columns: amount and outflow. 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.
Amount: OUTFLOWS FROM UNSECURED TRANSACTIONS/DEPOSITS = Retail deposits + Operational deposits + Excess operational deposits + Non-operational deposits + Additional outflows + Committed facilities + Other products and services + Other liabilities and due commitments
What to do if your filing fails it
- 01Open the template below and find the cells the rule reads.
- 02Add up the parts in your file and compare the result with the total.
- 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.
- 04EBA allows a small rounding difference, worked out from the decimals each value is reported with.
- 05It runs only when your filing indicators mark C 73.00 as reported.
- 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
Liquidity coverage, outflows, total (DA) (C 73.00.a)
Rows
- 0020OUTFLOWS FROM UNSECURED TRANSACTIONS/DEPOSITS
- 0030Retail deposits
- 0120Operational deposits
- 0203Excess operational deposits
- 0210Non-operational deposits
- 0270Additional outflows
- 0460Committed facilities
- 0720Other products and services
- 0885Other liabilities and due commitments
Columns
- 0010Amount
- 0060Outflow
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_73.00.a,r0020,c0010,} = {C_73.00.a,r0030,c0010,} + {C_73.00.a,r0120,c0010,} + {C_73.00.a,r0203,c0010,} + {C_73.00.a,r0210,c0010,} + {C_73.00.a,r0270,c0010,} + {C_73.00.a,r0460,c0010,} + {C_73.00.a,r0720,c0010,} + {C_73.00.a,r0885,c0010,}The next one:
{C_73.00.a,r0020,c0060,} = {C_73.00.a,r0030,c0060,} + {C_73.00.a,r0120,c0060,} + {C_73.00.a,r0203,c0060,} + {C_73.00.a,r0210,c0060,} + {C_73.00.a,r0270,c0060,} + {C_73.00.a,r0460,c0060,} + {C_73.00.a,r0720,c0060,} + {C_73.00.a,r0885,c0060,}Other rules on C 73.00.a
- Outflows must equal the sum of its three parts (v4481_m)Warning
- Retail deposits must equal the sum of its seven parts (v4483_m)Warning
- Deposits subject to higher outflows must equal category 1 plus category 2 (v4484_m)Warning
- Operational deposits must equal the sum of its four parts (v4485_m)Warning
- Operational deposits maintained for clearing, custody, cash management or other comparable services in the context of an established operational relationship must equal the sum of its two parts (v4486_m)Warning
- Operational deposits maintained in the context of IPS or a cooperative network must equal the sum of its two parts (v4487_m)Warning
- Non-operational deposits must equal the sum of its three parts (v4488_m)Warning
- Non-operational deposits: deposits by other customers must equal the sum of its two parts (v4489_m)Warning
Checks like this one, run at the point of submission, are the first step to real-time supervision.