Smjernice o depozitima stanovništva koji podliježu različitim odljevima za potrebe izvješćivanja o likvidnosti na temelju Uredbe (EU) br. 575/2013 o bonitetnim zahtjevima za kreditne institucije i investicijska društva i o izmjeni Uredbe (EU) br. 648/2012 (Uredbe o kapitalnim zahtjevima – CRR)

Sadržaj

1. EBA- ine Smjernice o depozitima stanovništva koji podliježu različitim odljevima za potrebe izvješćivanja o likvidnosti na temelju Uredbe (EU) br. 575/2013 (Uredbe o kapitalnim zahtjevima – CRR)

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

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 III – Final provisions and implementation