Article 22
Definition of liquidity outflows
1.
Liquidity outflows shall be calculated by multiplying the outstanding balances of various categories or types of liabilities and off-balance sheet commitments by the rates at which they are expected to run off or be drawn down as indicated in this Chapter.
2.
Liquidity outflows referred to in paragraph 1 shall include, in each case multiplied by the applicable outflow rate:
(a)
the current outstanding amount for stable retail deposits and other retail deposits determined in accordance with Articles 24 and 25;
(b)
the current outstanding amounts of other liabilities that become due, can be called for pay-out by the issuer or by the provider of the funding or entail an expectation by the provider of the funding that the credit institution would repay the liability during the next 30 calendar days determined in accordance with Articles 27, 28 and 31a;
(c)
the additional outflows determined in accordance with Article 30;
(d)
the maximum amount that can be drawn down during the next 30 calendar days from undrawn committed credit and liquidity facilities determined in accordance with Article 31;
(e)
the additional outflows identified in the assessment in accordance with Article 23.
3.
The calculation of liquidity outflows in accordance with paragraph 1 shall be subject to any netting of interdependent inflows that is approved under Article 26.