20% inflow on assets with an undefined contractual end date

Article 425(2)(c) of Regulation (EU) No. 575/2013 (CRR) states that a 20% inflow rate shall be applied only to the assets loans with an undefined contractual end date where the contract allows the bank to withdraw and request payment within 30 days. Moreover, these contractual inflows shall come from exposures that are not past due and for which the institution has no reason to expect non-performance within the 30-day time horizon. A higher inflow rate of 50% can be applied to monies due from non-financial customers for the purposes of principal payment (which could include, for example, minimum monthly repayments on credit cards, repayments on overdrafts) in accordance with Article 425(2)(a) of the CRR, i.e. they shall be reduced by 50% of their value or by the contractual commitments to those customers to extend funding, whichever is higher.