Art. 425
Capital Requirements Regulation · 32013R0575 · every event for this act · on EUR-Lex
Inflows
8 changes recorded across 8 events, newest first.
in force 2025-01-01 MODIFIED+15 −15§
Amended by Regulation (EU) 2024/1623 32024R1623 · Regulation (EU) 2024/2987 32024R2987 · Regulation (EU) 2024/2795 32024R2795
applies from: unchanged
In point (b) of paragraph 4, the reference to a relationship within the meaning of Article 12(1) of Directive 83/349/EEC was replaced with a reference to Article 22(7) of Directive 2013/34/EU.
Cited: Art. 425, v1 · Art. 425, v2
text before / after
02013R0575-20240709 → 02013R0575-20250101
Article 425
Inflows
1. Institutions shall report their liquidity inflows. Liquidity inflows shall be capped at 75 % of liquidity outflows. Institutions may exempt liquidity inflows from deposits placed with other institutions that qualify for the treatment set out in Article 113(6) … 639 unchanged words … combined market and idiosyncratic stress of the provider;
(b) the counterparty is a parent or subsidiary institution of the institution or another subsidiary of the same parent institution or linked to the institution by a relationship within the meaning of Article 12(1) 22(7) of Directive 83/349/EEC 2013/34/EU or a member of the same institutional protection scheme referred to in Article 113(7) of this Regulation or the central institution or a member of a network that is subject to the waiver referred to in Article 10 of this Regulation;
(c) a corresponding symmetric or more conservative outflow is applied by the counterparty by way of derogation from Articles 422, 423 and 424;
(d) the institution and the counterparty are established in the same Member State.
5. Competent authorities may waive the condition set out in point (d) of paragraph 4 where Article 20(1)(b) is applied. In that case additional objective criteria as set out in the delegated act referred to in Article 460 have to be met. Where such higher inflow is permitted to be applied, the competent authorities shall inform EBA about the result of the process referred to in Article 20(1)(b). Fulfilment of the conditions for such higher inflows shall be regularly reviewed by the competent authorities.
6. EBA shall develop draft regulatory technical standards to further specify the additional objective criteria referred to in paragraph 5.
EBA shall submit those draft regulatory technical standards to the Commission by 1 January 2015.
Power is delegated to the Commission to adopt the regulatory technical standards referred to in the first subparagraph in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.
7. Institutions shall not report inflows from any of the liquid assets reported in accordance with Article 416 other than payments due on the assets that are not reflected in the market value of the asset.
8. Institutions shall not report inflows from any new obligations entered into.
9. Institutions shall take liquidity inflows which are to be received in third countries where there are transfer restrictions or which are denominated in non-convertible currencies into account only to the extent that they correspond to outflows respectively in the third country or currency in question.
in force 2024-07-09 MODIFIED§
Amended by Regulation (EU) 2024/1623 32024R1623
applies from: unknown
Sources disagree — the amending act's instructions found this change; the text comparison finds no difference in the provision's text and the EU's own amendment metadata does not list it. All are shown; none is overruled.
No explanation shipped — the structural diff did not see this change, so it carries no text; another signal named the unit and the disagreement ships as `disputed`.
text before / after, on the event page →
in force 2023-06-28 MODIFIED§
Amended by Regulation (EU) 2019/876 32019R0876
applies from: unknown
Sources disagree — the amending act's instructions found this change; the text comparison finds no difference in the provision's text and the EU's own amendment metadata does not list it. All are shown; none is overruled.
No explanation shipped — the structural diff did not see this change, so it carries no text; another signal named the unit and the disagreement ships as `disputed`.
text before / after, on the event page →
in force 2022-07-08 MODIFIED§
Amended by Regulation (EU) 2019/2160 32019R2160
applies from: unchanged
Paragraph 1 replaces the reference to bonds under Article 52(4) of Directive 2009/65/EC with a reference to covered bonds as defined in point (1) of Article 3 of Directive (EU) 2019/2162.
The exemption for inflows from a liquidity provider now also names a parent or subsidiary investment firm of the institution, and it replaces the reference to a relationship within the meaning of Article 12(1) of Directive 83/349/EEC with a reference to Article 22(7) of Directive 2013/34/EU.
Wording describing the 75% limit was also rephrased from describing capped liquidity inflows as limited to that percentage to stating that liquidity inflows shall be capped at that percentage.
Cited: Art. 425, v2 · Art. 425, v1
text before / after, on the event page →
in force 2021-06-28 MODIFIED§
Amended by Regulation (EU) 2019/2033 32019R2033 · Regulation (EU) 2019/876 32019R0876 · Regulation (EU) 2021/558 32021R0558 · Regulation (EU) 2020/873 32020R0873
applies from: unchanged
In point (c) of Article 425(2), the word describing what receives the 20% inflow treatment changed from 'assets' with an undefined contractual end date to 'loans' with an undefined contractual end date.
The same point also changed the reference to who may withdraw and request payment within 30 days from 'the bank' to 'the institution'.
Cited: Art. 425, v1 · Art. 425, v2
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in force 2020-12-28 MODIFIED§
Amended by Regulation (EU) 2019/876 32019R0876
applies from: unknown
Sources disagree — the amending act's instructions found this change; the text comparison finds no difference in the provision's text and the EU's own amendment metadata does not list it. All are shown; none is overruled.
No explanation shipped — the structural diff did not see this change, so it carries no text; another signal named the unit and the disagreement ships as `disputed`.
text before / after, on the event page →
in force 2019-06-27 MODIFIED§
Amended by Regulation (EU) 2019/876 32019R0876
applies from: unknown
Sources disagree — the amending act's instructions found this change; the text comparison finds no difference in the provision's text and the EU's own amendment metadata does not list it. All are shown; none is overruled.
No explanation shipped — the structural diff did not see this change, so it carries no text; another signal named the unit and the disagreement ships as `disputed`.
text before / after, on the event page →
detected 2026-08-13 MODIFIED§
no amending act named
applies from: unchanged
In point (f) of Article 425(2), the wording was changed from stating there is no double counting with liquid assets to stating that there is no double counting with liquid assets, adding the word 'that' before 'there is'.
The rest of Article 425, including its numbered paragraphs and other points, remains textually the same aside from formatting spacing differences around paragraph numbers.
Cited: Art. 425, v1 · Art. 425, v2
text before / after, on the event page →