EBA · 2024_7125 Rejected question

Definition of Stable Deposits in C73 Outflows

Regulation
Regulation (EU) No 575/2013 (CRR)
Article
Article 415
Topic
Supervisory reporting - Liquidity (LCR, NSFR, AMM)
Submitted by
Credit institution
Submitted
2024-06-26
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Question

Can the EBA confirm, where customers who qualify for Transactional treatment under LCR delegated act, Article 24 1.b (ie are not captured by Article 25 Higher Outflows), with deposits held in a transactional account, ie a current account, but fail the activity criteria for Transactional accounts per Article 24 para 3 (salaries, income or transactions are regularly credited and debited respectively against that account), however pass the criteria for Established customer relationship (ie relationship >1 year), can these be treated as Stable with a 5% weighting?  Or Other with 10% weighting?

Background

LCR Delegated act article 24, defines two criteria for deposits to be treated as stable receiving 5% weighting (1) established customers, with further qualifiers of >1 year relationship, or borrowing relationship, or another active product than a loan   (2) transactional account with a qualifier that the account must be actively used There is cross over between these two definitions, one defining customer attributes and another product attributes leading to the question whether a customer who is established (eg > 1 year relationship) holds deposits in transactional accounts, but are not actively using the account, if this deposit is deemed stable (based on passing the established qualifier) or Other as they fail the transactional qualifier
No answer published yet.

Original source: European Banking Authority, Q&A ID 2024_7125

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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