Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Retail deposits must equal the sum of its seven parts (C 73.00.w, EBA rule v4622_m)

A warning in the liquidity coverage ratio return (LCR), on template C 73.00.w, liquidity coverage, outflows, significant currencies (DA).

Check your file against this ruleWhat to do if it fails

The rule in plain words

Retail deposits must equal these seven added up:

  • Deposits in third countries where a higher outflow is applied
  • Deposits exempted from the calculation of outflows
  • Other retail deposits
  • Derogated stable deposits
  • Deposits where the payout has been agreed within the following 30 days
  • Stable deposits
  • Deposits subject to higher outflows

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 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.

Outflow: Retail deposits = deposits in third countries where a higher outflow is applied + deposits exempted from the calculation of outflows + other retail deposits + derogated stable deposits + deposits where the payout has been agreed within the following 30 days + stable deposits + deposits subject to higher outflows

What to do if your filing fails it

  1. 01Open the template 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  3. 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.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 73.00 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

Liquidity coverage, outflows, significant currencies (DA) (C 73.00.w)

Rows

  • 0030Retail deposits
  • 0035deposits exempted from the calculation of outflows
  • 0040deposits where the payout has been agreed within the following 30 days
  • 0050deposits subject to higher outflows
  • 0080stable deposits
  • 0090derogated stable deposits
  • 0100deposits in third countries where a higher outflow is applied
  • 0110other retail deposits

Columns

  • 0010Amount
  • 0060Outflow

A worked example

The first of its checks, with simple numbers.

Illustrative values
deposits in third countries where a higher outflow is applied1,200
deposits exempted from the calculation of outflows800
other retail deposits450
derogated stable deposits300
deposits where the payout has been agreed within the following 30 days150
stable deposits100
deposits subject to higher outflows60
Together3,060
What the rule then expects

Retail deposits must then be 3,060.

3,060Passes
3,160Fails

A file that reports 3,060 passes. One that reports 3,160 fails, by 100.

The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.

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_73.00.w,r0030,c0060,} = sum({C_73.00.w,r0100,c0060,},{C_73.00.w,r0035,c0060,},{C_73.00.w,r0110,c0060,},{C_73.00.w,r0090,c0060,},{C_73.00.w,r0040,c0060,},{C_73.00.w,r0080,c0060,},{C_73.00.w,r0050,c0060,})

The next one:

{C_73.00.w,r0030,c0010,} = sum({C_73.00.w,r0035,c0010,},{C_73.00.w,r0080,c0010,},{C_73.00.w,r0110,c0010,},{C_73.00.w,r0040,c0010,},{C_73.00.w,r0090,c0010,},{C_73.00.w,r0100,c0010,},{C_73.00.w,r0050,c0010,})

Every LCR rule, by template

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