EBA · 2017_3306 Final Q&A

References to items covered by a Deposit Guarantee scheme in the instructions on r070 and r090 of C 68.00

Regulation
Regulation (EU) No 575/2013 (CRR)
Article
415, para. 3
Topic
Supervisory reporting - Liquidity (LCR, NSFR, AMM)
Submitted by
Credit institution
Submitted
2017-05-25
Answered
2018-01-12
Answer provided by
ESAs (EBA, ESMA, EIOPA)
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Question

Is the text of Annex XIX in the final draft ITS 680/2014 and DPM 2.7 ITS on supervisory reporting correct when it refers to ALMM C 68.00, items 1.4 and 1.4.2 as ‘savings accounts without a notice period for withdrawal which is greater than 30 days covered by a Deposit Guarantee Scheme according to Directive 2014/ 49/ EU or an equivalent deposit guarantee scheme in a third country’?

Background

The text of 1.3.1 rows 070 and 090 refers to ‘savings accounts without a notice period for withdrawal which is greater than 30 days covered [sic] by a Deposit Guarantee Scheme according to Directive 2014/ 49/ EU’ being reported in item 1.4.2 and as part of item 1.4. Given that per section 1.3.6 amounts covered by a DGS are required in column 020 and amounts not covered by a DGS in column 030 for all rows, the text in section 1.3.1 appears out of place, as it would imply that for rows 070 and 090 only there should be no values reported in column 030. This would result in inconsistent reporting of covered and uncovered amounts, whereby item 1.4.2 would report only covered amounts whereas all other items would report covered and uncovered amounts. The template row descriptions given in Annex XVIII do not include the references to balances being ‘covered by a Deposit Guarantee Scheme…’ in items 1.4 or 1.4.2.

Answer

Chapter 1.3 ( Concentration of funding by product type (C 68.00)) of Annex XIX to Regulation (EU) No 680/2014 (ITS on Supervisory Reporting) as amended by Regulation (EU) 2017/2114 (applicable from 1 March 2018 onwards) should be corrected in the following way: Instructions on row 070: 1.4 of which savings accounts with either of the following characteristics: Of the retail funding of row 010 those that are savings accounts with either of the following characteristics: -       with a notice period for withdrawal greater than 30 days -       without a notice period for withdrawal which is greater than 30 days. This row shall not be reported. Instructions on row 090:   1.4.2 without a notice period for withdrawal which is greater than 30 days Of the retail funding of row 010 those that are savings accounts without a notice period for withdrawal which is greater than 30 days

Original source: European Banking Authority, Q&A ID 2017_3306

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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