EBA · 2016_2761 Final Q&A

Template C 69.00 - Prices for the Various Lenghts of Funding - follow-up to Q&As 2015_1901 and 2015_2204

Regulation
Regulation (EU) No 575/2013 (CRR)
Article
415, para. 3
Topic
Supervisory reporting - Liquidity (LCR, NSFR, AMM)
Submitted by
Credit institution
Submitted
2016-06-01
Answered
2018-01-12
Answer provided by
ESAs (EBA, ESMA, EIOPA)
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Question

We note response given to question 2015_1901 . Can we clarify if the treatment advised for retail current accounts also applies to cash operating accounts used by corporate entities? We note response given to question 2015_2204 , could we request a definition of ‘new transactions entered into during the period’ in the case of cash accounts for the purpose of calculating the total volume reported. Is that treatment consistent to both retail and corporate cash accounts?

Background

This question applies to volume that should be reported in template C 69.00 for cash accounts without a term maturity.

Answer

For the purposes of reporting in accordance with Regulation (EU) No 680/2014 (ITS on Supervisory Reporting) , as already indicated for the specific case of retail sight deposits in Q&A 2015_1901 , funding of any type with open-ended maturities - including sight deposits – should be regarded as maturing overnight. With regard to the question on Q&A 2015_2204 , for funding that has rolled-over during the reporting period and that is still outstanding at the end of the reporting period the average of spreads applying at that time (i.e. end of reporting period) shall be reported. For the purposes of C 69.00, funding that rolled-over and is still there at the end of the reporting period shall be considered to represent new funding. However, specifically for sight deposits, the volume and spread of sight deposits shall only be reported where the depositor did not have a sight deposit in the preceding reporting period or where there is an increase in the deposit amount compared to the previous reference date, in which case the increment shall be treated as new funding. The spread shall be that of the end of the period.

Original source: European Banking Authority, Q&A ID 2016_2761

This Q&A is published by European Banking Authority and is non-binding. It does not constitute legal advice. Updated weekly from official ESA sources.

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