Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Retail funding cannot be less than the sum of five rows (C 68.00.a, EBA rule v8655_m)

A warning in the additional liquidity monitoring metrics return (ALMM), on template C 68.00.a, concentration of funding by product type, total.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Retail funding cannot be less than these five added up:

  • Sight deposits
  • Term deposits not withdrawable within the following 30 days
  • Term deposits withdrawable within the following 30 days
  • With a notice period for withdrawl greater than 30 days
  • Without a notice period for withdrawl greater than 30 days

All the values are on the total currencies sheet (0010) of C 68.00.a.

EBA checks it for three columns: carrying amount received, amount covered by a deposit guarantee scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co, and amount not covered by a deposit guarantee scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a thi. That makes three 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.

Carrying amount received: RETAIL FUNDING, Total currencies >= of which sight deposits, Total currencies + of which term deposits not withdrawable within the following 30 days, Total currencies + of which term deposits withdrawable within the following 30 days, Total currencies + with a notice period for withdrawl greater than 30 days, Total currencies + without a notice period for withdrawl greater than 30 days, Total currencies

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Compare the values in your file. If the first is smaller than it may be, one of them is wrong: check both before you change either.
  3. 03EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  4. 04It runs only when your filing indicators mark C 68.00 as reported.
  5. 05This 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

Concentration of funding by product type, total (C 68.00.a)

Rows

  • 0010RETAIL FUNDING
  • 0020of which sight deposits
  • 0031of which term deposits not withdrawable within the following 30 days
  • 0041of which term deposits withdrawable within the following 30 days
  • 0080with a notice period for withdrawl greater than 30 days
  • 0090without a notice period for withdrawl greater than 30 days

Columns

  • 0010Carrying amount received
  • 0020Amount covered by a Deposit Guarantee Scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a third co
  • 0030Amount not covered by a Deposit Guarantee Scheme in accordance with Directive 2014/49/EU or an equivalent deposit guarantee scheme in a thi

Sheet

  • 0010Total currencies

A worked example

The first of its checks, with simple numbers.

Illustrative values
sight deposits1,200
term deposits not withdrawable within the following 30 days800
term deposits withdrawable within the following 30 days450
with a notice period for withdrawl greater than 30 days300
without a notice period for withdrawl greater than 30 days150
Together2,900
What the rule then expects

Retail funding must then be at least 2,900.

2,900Passes
2,800Fails

A file that reports 2,900 passes. One that reports 2,800 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_68.00.a,r0010,c0010,s0010} >= {C_68.00.a,r0020,c0010,s0010} + {C_68.00.a,r0031,c0010,s0010} + {C_68.00.a,r0041,c0010,s0010} + {C_68.00.a,r0080,c0010,s0010} + {C_68.00.a,r0090,c0010,s0010}

The next two:

{C_68.00.a,r0010,c0030,s0010} >= {C_68.00.a,r0020,c0030,s0010} + {C_68.00.a,r0031,c0030,s0010} + {C_68.00.a,r0041,c0030,s0010} + {C_68.00.a,r0080,c0030,s0010} + {C_68.00.a,r0090,c0030,s0010}{C_68.00.a,r0010,c0020,s0010} >= {C_68.00.a,r0020,c0020,s0010} + {C_68.00.a,r0031,c0020,s0010} + {C_68.00.a,r0041,c0020,s0010} + {C_68.00.a,r0080,c0020,s0010} + {C_68.00.a,r0090,c0020,s0010}

Every ALMM rule, by template

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