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1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Fee and commission income must equal the sum of its 18 parts (EBA rule v1047_m)

A warning in the financial reporting return (FINREP 9), on template F 22.01, fee and commission income and expenses by activity.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Fee and commission income must equal these 18 added up:

  • Securities
  • Corporate finance
  • Fee based advice
  • Clearing and settlement
  • Asset management
  • Custody [by type of customer]
  • Central administrative services for collective investment
  • Fiduciary transactions
  • Payment services
  • Customer resources distributed but not managed [by type of product]
  • Structured finance
  • Loan servicing activities
  • Loan commitments given
  • Financial guarantees given
  • Loans granted
  • Foreign exchange
  • Commodities
  • Other fee and commission income

All the values are in the current period column (0010) of F 22.01.

How the Line4 Check report words itShow

Word for word as the report shows it when the rule fails.

Fee and commission income = Securities + Corporate Finance + Fee based advice + Clearing and settlement + Asset management + Custody [by type of customer] + Central administrative services for collective investment + Fiduciary transactions + Payment services + Customer resources distributed but not managed [by type of product] + Structured Finance + Loan servicing activities + Loan commitments given + Financial guarantees given + Loans granted + Foreign exchange + Commodities + Other fee and commission income

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Add up the parts in your file and compare the result with the total.
  3. 03If they differ, a part is missing, a value sits in the wrong row, or the total is out of date.
  4. 04EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  5. 05It runs only when your filing indicators mark F 22.01 as reported.
  6. 06This is a warning. It does not stop the filing on its own, but your authority may ask you to explain it.

The cells it reads

Fee and commission income and expenses by activity (F 22.01)

Rows

  • 0010Fee and commission income
  • 0020Securities
  • 0051Corporate Finance
  • 0055Fee based advice
  • 0060Clearing and settlement
  • 0070Asset management
  • 0080Custody [by type of customer]
  • 0110Central administrative services for collective investment
  • 0120Fiduciary transactions
  • 0131Payment services
  • 0140Customer resources distributed but not managed [by type of product]
  • 0180Structured Finance
  • 0190Loan servicing activities
  • 0200Loan commitments given
  • 0210Financial guarantees given
  • 0211Loans granted
  • 0213Foreign exchange
  • 0214Commodities
  • 0220Other fee and commission income

Column

  • 0010Current period
Show the rule as writtenShow

EBA's formula. Cells are written as {template, row, column, sheet}.

{F_22.01,r0010,c0010,} = {F_22.01,r0020,c0010,} + {F_22.01,r0051,c0010,} + {F_22.01,r0055,c0010,} + {F_22.01,r0060,c0010,} + {F_22.01,r0070,c0010,} + {F_22.01,r0080,c0010,} + {F_22.01,r0110,c0010,} + {F_22.01,r0120,c0010,} + {F_22.01,r0131,c0010,} + {F_22.01,r0140,c0010,} + {F_22.01,r0180,c0010,} + {F_22.01,r0190,c0010,} + {F_22.01,r0200,c0010,} + {F_22.01,r0210,c0010,} + {F_22.01,r0211,c0010,} + {F_22.01,r0213,c0010,} + {F_22.01,r0214,c0010,} + {F_22.01,r0220,c0010,}

Every FINREP 9 rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision.