+3. EBA Guidelines on retail deposits subject to different outflows for purposes of liquidity reporting under Regulation (EU) No 575/2013 (Capital Requirements Regulation – CRR)
---+Status of these Guidelines
------+1. This document contains guidelines issued pursuant to Article 16 of Regulation (EU) No 1093/2010 …
------+2. Guidelines set out the EBA’s view of appropriate supervisory practices within the European …
---+Reporting requirements
------+3. According to Article 16(3) of the EBA Regulation, competent authorities must notify the EBA as …
------+4. Notifications will be published on the EBA website, in line with Article 16(3) of the EBA …
---+Table of contents
---+Title I – Subject matter, scope and definitions
---+Title II – Guidance regarding the identification of retail deposit products subject to higher outflows
------+Part 1 – General considerations
------+1. Determination of ‘established relationship making withdrawal highly unlikely’
------+4. Methodology for the identification of retail deposit products subject to higher outflows
------+Part 2 - Factors affecting the stability of retail deposit products
------+5. The value of the retail deposit
------+6. Products that are rate-driven or have preferential conditions
------+7. Maturing fixed-term or notice period deposits
------+9. The currency of deposits
------+10. Non-resident deposits
------+11. Product-linked deposits
------+12. Other characteristics
------+Part 3
------+13. Determining higher outflows
---+Title III – Final provisions and implementation
------+14. Date of application

3. EBA Guidelines on retail deposits subject to different outflows for purposes of liquidity reporting under Regulation (EU) No 575/2013 (Capital Requirements Regulation – CRR)

3. EBA Guidelines on retail deposits subject to different outflows for purposes of liquidity reporting under Regulation (EU) No 575/2013 (Capital Requirements Regulation – CRR)

1. Forbhreathnú

,
Status of these Guidelines

Status of these Guidelines
Reporting requirements

Reporting requirements
Table of contents

Title I – Subject matter, scope and definitions 11

Title II – Guidance regarding the identification of retail deposit products subject to higher outflows 11

Title III – Final provisions and implementation 15

Page 10 of 29
Title I – Subject matter, scope and definitions

In accordance with Article 421(3) CRR, these Guidelines are intended to harmonise the criteria for identifying and categorising retail deposits subject to different outflows from those specified in Article 421(1) and (2) CRR as minima, as well as the criteria for defining these products for purposes of liquidity reporting. Accordingly, the scope of application of these GL focuses on deposits subject to higher outflows.

These Guidelines are applicable to the solo and consolidated liquidity requirements of institutions in accordance with Part One, Title II CRR.

The scope of the GL covers all retail deposits under Article 421 CRR, including deposits that meet the conditions specified in Article 421(1), that is, those which are covered by a deposit guarantee scheme and are either part of an established relationship or held in transactional accounts, which display criteria linked with higher outflows.
Title II – Guidance regarding the identification of retail deposit products subject to higher outflows

Title II – Guidance regarding the identification of retail deposit products subject to higher outflows
Title III – Final provisions and implementation

Title III – Final provisions and implementation

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais

3. Caighdeáin ghaolmhara

Caighdeáin
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