Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Inflows from unsecured transactions or deposits must equal the sum of its eleven parts (C 74.00.w, EBA rule v4664_m)

A warning in the liquidity coverage ratio return (LCR), on template C 74.00.w, liquidity coverage, inflows, significant currencies (DA).

Check your file against this ruleWhat to do if it fails

The rule in plain words

Inflows from unsecured transactions or deposits must equal these eleven added up:

  • Inflows corresponding to outflows in accordance with promotional loan commitments referred to in Article 31(9) of Commission delegated regul
  • Inflows from derivatives
  • Monies due from securities maturing within 30 days
  • Inflows from the release of balances held in segregated accounts in accordance with regulatory requirements for the protection of customer t
  • Monies due from non-financial customers (except for central banks)
  • Other inflows
  • Monies due from central banks and financial customers
  • Inflows from undrawn credit or liquidity facilities provided by members of a group or an institutional protection scheme where the competent
  • Monies due from trade financing transactions
  • Monies due from positions in major index equity instruments provided that there is no double counting with liquid assets
  • Loans with an undefined contractual end date

EBA checks it for six columns: subject to the 75% cap on inflows (0010), subject to the 90% cap on inflows (0020), exempted from the cap on inflows (0030), subject to the 75% cap on inflows (0140), subject to the 90% cap on inflows (0150) and exempted from the cap on inflows (0160). That makes six 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.

Exempted from the cap on inflows: Inflows from unsecured transactions/deposits = inflows corresponding to outflows in accordance with promotional loan commitments referred to in Article 31(9) of Commission delegated regul + inflows from derivatives + monies due from securities maturing within 30 days + inflows from the release of balances held in segregated accounts in accordance with regulatory requirements for the protection of customer t + monies due from non-financial customers (except for central banks) + other inflows + monies due from central banks and financial customers + inflows from undrawn credit or liquidity facilities provided by members of a group or an institutional protection scheme where the competent + monies due from trade financing transactions + monies due from positions in major index equity instruments provided that there is no double counting with liquid assets + loans with an undefined contractual end date

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 74.00 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, inflows, significant currencies (DA) (C 74.00.w)

Rows

  • 0020Inflows from unsecured transactions/deposits
  • 0030monies due from non-financial customers (except for central banks)
  • 0100monies due from central banks and financial customers
  • 0170inflows corresponding to outflows in accordance with promotional loan commitments referred to in Article 31(9) of Commission delegated regul
  • 0180monies due from trade financing transactions
  • 0190monies due from securities maturing within 30 days
  • 0201loans with an undefined contractual end date
  • 0210monies due from positions in major index equity instruments provided that there is no double counting with liquid assets
  • 0230inflows from the release of balances held in segregated accounts in accordance with regulatory requirements for the protection of customer t
  • 0240inflows from derivatives
  • 0250inflows from undrawn credit or liquidity facilities provided by members of a group or an institutional protection scheme where the competent
  • 0260other inflows

Columns

  • 0010Subject to the 75% cap on inflows
  • 0020Subject to the 90% cap on inflows
  • 0030Exempted from the cap on inflows
  • 0140Subject to the 75% cap on inflows
  • 0150Subject to the 90% cap on inflows
  • 0160Exempted from the cap on inflows
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_74.00.w,r0020,c0030,} = sum({C_74.00.w,r0170,c0030,},{C_74.00.w,r0240,c0030,},{C_74.00.w,r0190,c0030,},{C_74.00.w,r0230,c0030,},{C_74.00.w,r0030,c0030,},{C_74.00.w,r0260,c0030,},{C_74.00.w,r0100,c0030,},{C_74.00.w,r0250,c0030,},{C_74.00.w,r0180,c0030,},{C_74.00.w,r0210,c0030,},{C_74.00.w,r0201,c0030,})

The next five:

{C_74.00.w,r0020,c0150,} = sum({C_74.00.w,r0230,c0150,},{C_74.00.w,r0100,c0150,},{C_74.00.w,r0170,c0150,},{C_74.00.w,r0250,c0150,},{C_74.00.w,r0030,c0150,},{C_74.00.w,r0190,c0150,},{C_74.00.w,r0210,c0150,},{C_74.00.w,r0240,c0150,},{C_74.00.w,r0201,c0150,},{C_74.00.w,r0260,c0150,},{C_74.00.w,r0180,c0150,}){C_74.00.w,r0020,c0010,} = sum({C_74.00.w,r0210,c0010,},{C_74.00.w,r0190,c0010,},{C_74.00.w,r0170,c0010,},{C_74.00.w,r0260,c0010,},{C_74.00.w,r0030,c0010,},{C_74.00.w,r0100,c0010,},{C_74.00.w,r0180,c0010,},{C_74.00.w,r0240,c0010,},{C_74.00.w,r0250,c0010,},{C_74.00.w,r0201,c0010,},{C_74.00.w,r0230,c0010,}){C_74.00.w,r0020,c0020,} = sum({C_74.00.w,r0210,c0020,},{C_74.00.w,r0240,c0020,},{C_74.00.w,r0030,c0020,},{C_74.00.w,r0250,c0020,},{C_74.00.w,r0201,c0020,},{C_74.00.w,r0100,c0020,},{C_74.00.w,r0170,c0020,},{C_74.00.w,r0180,c0020,},{C_74.00.w,r0260,c0020,},{C_74.00.w,r0230,c0020,},{C_74.00.w,r0190,c0020,}){C_74.00.w,r0020,c0160,} = sum({C_74.00.w,r0230,c0160,},{C_74.00.w,r0240,c0160,},{C_74.00.w,r0180,c0160,},{C_74.00.w,r0190,c0160,},{C_74.00.w,r0201,c0160,},{C_74.00.w,r0250,c0160,},{C_74.00.w,r0260,c0160,},{C_74.00.w,r0030,c0160,},{C_74.00.w,r0170,c0160,},{C_74.00.w,r0100,c0160,},{C_74.00.w,r0210,c0160,}){C_74.00.w,r0020,c0140,} = sum({C_74.00.w,r0201,c0140,},{C_74.00.w,r0210,c0140,},{C_74.00.w,r0170,c0140,},{C_74.00.w,r0100,c0140,},{C_74.00.w,r0030,c0140,},{C_74.00.w,r0260,c0140,},{C_74.00.w,r0190,c0140,},{C_74.00.w,r0240,c0140,},{C_74.00.w,r0230,c0140,},{C_74.00.w,r0250,c0140,},{C_74.00.w,r0180,c0140,})

Every LCR rule, by template

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