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1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Deposits with credit institutions must equal the sum of its five parts (EBA rule v89209_m)

A warning in the asset-referenced and e-money tokens return (MiCA), on template Q 03.03, s 03.03 - maturity ladder for the composition of the reserve of assets.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Deposits with credit institutions must equal these five added up:

  • CQS 1
  • Without ECAI CQS
  • CQS 2
  • CQS 4+
  • CQS 3

EBA checks it for twelve columns, from up to 1 day (0010) to greater than 60 months (0120). That makes twelve 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.

Greater than 5 days up to 2 weeks: Deposits with credit institutions = CQS 1 + Without ECAI CQS + CQS 2 + CQS 4+ + CQS 3

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  3. 03If they differ, a part is missing, a value sits in the wrong cell, or the total is out of date.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 Q 03.03 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

S 03.03 - maturity ladder for the composition of the reserve of assets (Q 03.03)

Rows

  • 0020Deposits with credit institutions
  • 0030CQS 1
  • 0040CQS 2
  • 0050CQS 3
  • 0060CQS 4+
  • 0070Without ECAI CQS

Columns

  • 0010Up to 1 day
  • 0020Greater than 1 day up to 5 days
  • 0030Greater than 5 days up to 2 weeks
  • 0040Greater than 2 weeks up to 3 weeks
  • 0050Greater than 3 weeks up to 1 month
  • 0060Greater than 1 month up to 2 months
  • 0070Greater than 2 months up to 3 months
  • 0080Greater than 3 months up to 6 months
  • 0090Greater than 6 months up to 12 months
  • 0100Greater than 12 months up to 36 months
  • 0110Greater than 36 months up to 60 months
  • 0120Greater than 60 months

A worked example

The first of its checks, with simple numbers.

Illustrative values
CQS 11,200
Without ECAI CQS800
CQS 2450
CQS 4+300
CQS 3150
Together2,900
What the rule then expects

Deposits with credit institutions must then be 2,900.

2,900Passes
3,000Fails

A file that reports 2,900 passes. One that reports 3,000 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}.

{Q_03.03,r0020,c0030,} = sum({Q_03.03,r0030,c0030,},{Q_03.03,r0070,c0030,},{Q_03.03,r0040,c0030,},{Q_03.03,r0060,c0030,},{Q_03.03,r0050,c0030,})

The next five:

{Q_03.03,r0020,c0040,} = sum({Q_03.03,r0070,c0040,},{Q_03.03,r0030,c0040,},{Q_03.03,r0050,c0040,},{Q_03.03,r0060,c0040,},{Q_03.03,r0040,c0040,}){Q_03.03,r0020,c0110,} = sum({Q_03.03,r0030,c0110,},{Q_03.03,r0060,c0110,},{Q_03.03,r0040,c0110,},{Q_03.03,r0070,c0110,},{Q_03.03,r0050,c0110,}){Q_03.03,r0020,c0070,} = sum({Q_03.03,r0050,c0070,},{Q_03.03,r0060,c0070,},{Q_03.03,r0030,c0070,},{Q_03.03,r0070,c0070,},{Q_03.03,r0040,c0070,}){Q_03.03,r0020,c0090,} = sum({Q_03.03,r0030,c0090,},{Q_03.03,r0050,c0090,},{Q_03.03,r0040,c0090,},{Q_03.03,r0070,c0090,},{Q_03.03,r0060,c0090,}){Q_03.03,r0020,c0060,} = sum({Q_03.03,r0070,c0060,},{Q_03.03,r0060,c0060,},{Q_03.03,r0050,c0060,},{Q_03.03,r0040,c0060,},{Q_03.03,r0030,c0060,})

And 6 more, the same formula for the other cells it covers.

Every MiCA rule, by template

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