EBA consults on draft Guidelines on retail deposits subject to different outflows for the purpose of liquidity reporting

01 August 2013

The European Banking Authority (EBA) launched today a consultation on draft Guidelines on retail deposits subject to different outflows aimed at providing greater harmonisation in the reporting of retail deposits in the EU banking sector.  The consultation runs until 1 October 2013.

The proposed Guidelines, which are addressed to institutions and competent Authorities, set out the criteria for identifying retail deposits subject to different outflows during the next 30 days for the purpose of liquidity reporting under the Capital Requirements Regulation (CRR).

With the view of taking into account the behaviour of local depositors, in particular under stress conditions, these Guidelines propose to allocate retail deposits subject to different outflows to three different categories, depending on their underlying risk.

The data collected on retail deposits subject to different outflows will be able to inform the European Commission's calibration of the liquidity coverage requirement.

Consultation process

Comments can be sent to the EBA by clicking on the "send your comments" button on the consultation page. Please note that the deadline for the submission of comments is 1 October 2013.

All contributions received will be published following the close of the consultation, unless requested otherwise.                                                                  

A public hearing will take place at the EBA premises on 4 September 2013 from 15:00 to 18:00 hours UK time.

Legal basis

The proposed draft Guidelines have been developed on the basis of Regulation 575/2013 of 26 June 2013.