Deposits with higher outflows

The Guidelines on retail deposits subject to different outflows for purposes of liquidity reporting under Regulation (EU) No 575/2013 (CRR) were repealed as of 27 November 2017. The reference in the question to paragraph 7(1) of Part II (Title II) should be understood as referred to in Article 25(2)(d) of Commission Delegated Regulation (EU) 2015/61. Deposits that have no maturity date, e.g. “open maturity deposits”, are excluded from the scope of Article 25(2)(d) if a notice period is also not specified or the notice period is 30 days or longer.   Note: This Q&A (originally published on 12 September 2014) has been amended on 27 April 2018 to reflect that the Guidelines on retail deposits subject to different outflows for purposes of liquidity reporting under Regulation (EU) No 575/2013 were repealed. Previous answer: Paragraph 7.1 of Part 2 (Title II) of the Guidelines on retail deposits subject to different outflows for purposes of liquidity reporting under Regulation (EU) No 575/2013 (CRR) includes as deposits to be considered as falling within the category of 'maturing fixed term or notice period deposits': deposits originally placed as fixed-term with an expiry date maturing within the 30-day period; or deposits with fixed notice periods shorter than 30 days, in accordance with contractual arrangements, other than those that qualify for the treatment provided for in Article 421(5). Deposits that have no maturity date, e.g. "open maturity deposits", are excluded from the scope of that risk factor if a notice period is also not specified or the notice period is 30 days or longer. This answer is without prejudice to further guidance which may be provided in the context of the delegated act on the liquidity coverage ratio.