1. Determination of ‘established relationship making withdrawal highly unlikely’

A retail deposit should be considered to be part of an established relationship for purposes of liquidity reporting under a combined idiosyncratic and market-wide stress scenario when the depositor meets at least one of the following criteria:

• (a) has an active contractual relationship with the institution of a minimum duration,
• (b) has a borrowing relationship with the institution for mortgage loans or other long term loans, or
• (c) has a minimum number of active products, other than loans, with the institution.

2. Determination of ‘transactional account , including accounts to which salaries are regularly credited ’

A retail deposit should be considered as being held in a transactional account when salaries, income or transactions are regularly credited and debited respectively against that account.

3. For both considerations in paragraph 1 and 2 of this Title II, Part 1, institutions should have historical data available, including on depositors behaviour, to substantiate the classification of their deposits.

1. Übersicht

1.1 Referenzen

1.2 Identifizierte Anforderungen

1.3 Zugehörige Standards

2. Identifizierte Anforderungen

3. Zugehörige Standards

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  EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

  DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.