Linji Gwida dwar depożiti fil - livell ta’ konsumatur soġġetti għal flussi ’l barra differenti għal fini ta’ rapportar tal-likwidità skont ir-Regolament (UE) Nru 575/2013, dwar ir- rekwiżiti prudenzjali għall - istituzzjonijiet ta’ kreditu u d -ditti tal-investiment u li jemenda r-Regolament (UE) Nru 648/2012 (ir-Regolament dwar ir- Rekwiżiti ta’ Kapital – CRR)

Werrej

1. Linji Gwida tal-EBA d war depożiti fil - livell ta’ konsumatur soġġetti għal flussi ’l barra differenti għal fini ta’ rapportar tal -likwidità skont ir-Regolament (UE) Nru 575/2013 (ir-Regolament dwar ir- Rekwiżiti ta’ Kapital – 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