Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Credit facilities must equal the sum of its seven parts (C 73.00.w, EBA rule v4634_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

Credit facilities must equal these seven added up:

  • To non-financial customers other than retail customers
  • To credit institutions
  • To other financial customers
  • To retail customers
  • Within IPS or cooperative network if treated as liquid asset by the depositing institution
  • To regulated institutions other than credit institutions
  • Within a group or an IPS if subject to preferential treatment

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: credit facilities = to non-financial customers other than retail customers + to credit institutions + to other financial customers + to retail customers + within IPS or cooperative network if treated as liquid asset by the depositing institution + to regulated institutions other than credit institutions + within a group or an IPS if subject to preferential treatment

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  3. 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.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

  • 0470credit facilities
  • 0480to retail customers
  • 0490to non-financial customers other than retail customers
  • 0500to credit institutions
  • 0540to regulated institutions other than credit institutions
  • 0550within a group or an IPS if subject to preferential treatment
  • 0560within IPS or cooperative network if treated as liquid asset by the depositing institution
  • 0570to other financial customers

Columns

  • 0010Amount
  • 0060Outflow

A worked example

The first of its checks, with simple numbers.

Illustrative values
to non-financial customers other than retail customers1,200
to credit institutions800
to other financial customers450
to retail customers300
within IPS or cooperative network if treated as liquid asset by the depositing institution150
to regulated institutions other than credit institutions100
within a group or an IPS if subject to preferential treatment60
Together3,060
What the rule then expects

Credit facilities 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,r0470,c0060,} = sum({C_73.00.w,r0490,c0060,},{C_73.00.w,r0500,c0060,},{C_73.00.w,r0570,c0060,},{C_73.00.w,r0480,c0060,},{C_73.00.w,r0560,c0060,},{C_73.00.w,r0540,c0060,},{C_73.00.w,r0550,c0060,})

The next one:

{C_73.00.w,r0470,c0010,} = sum({C_73.00.w,r0560,c0010,},{C_73.00.w,r0570,c0010,},{C_73.00.w,r0480,c0010,},{C_73.00.w,r0490,c0010,},{C_73.00.w,r0550,c0010,},{C_73.00.w,r0540,c0010,},{C_73.00.w,r0500,c0010,})

Every LCR rule, by template

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