The rule in plain words
Excess operational deposits must equal deposits by financial customers plus deposits by other customers.
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: Excess operational deposits = deposits by financial customers + deposits by other customers
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- 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.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
- 0203Excess operational deposits
- 0204deposits by financial customers
- 0205deposits by other customers
Columns
- 0010Amount
- 0060Outflow
A worked example
The first of its checks, with simple numbers.
Excess operational deposits must then be 2,000.
A file that reports 2,000 passes. One that reports 2,100 fails, by 100.
The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.
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,r0203,c0010,} = {C_73.00.a,r0204,c0010,} + {C_73.00.a,r0205,c0010,}The next one:
{C_73.00.a,r0203,c0060,} = {C_73.00.a,r0204,c0060,} + {C_73.00.a,r0205,c0060,}Other rules on C 73.00.a
- Excess operational deposits: deposits by other customers must equal the sum of its two parts (v7394_m)Warning
- The excess of funding to non-financial customers must equal the sum of its four parts (v7395_m)Warning
- Secured cash 30 day ouflows must equal a calculation over six rows (C 76.00.a, v7473_m)Warning
- If amount is zero or more, outflow cannot be negative (v7572_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 four parts (v7573_m)Warning
- Operational deposits maintained for clearing, custody, cash management or other comparable services in the context of an established operational relationship: applicable weight must be at least 0.05 (v7574_m)Warning
- Applicable weight must be at least 0.4 (v7575_m)Warning
- Applicable weight must be at least 0.25 (row 1060, v7576_m)Warning
Checks like this one, run at the point of submission, are the first step to real-time supervision.