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1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Percentage cannot be more than 1 (EBA rule v10656_m)

A warning in the own funds and capital requirements return (COREP own funds), on template C 09.04, breakdown of credit exposures relevant for the calculation of the countercyclical buffer by country and institution-specific countercyclical buffer rate.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Percentage cannot be more than 1.

EBA checks it for three rows: countercyclical capital buffer rate set by the designated authority, countercyclical capital buffer rate applicable for the country of the institution and institution-specific countercyclical capital buffer rate. That makes three checks. A failure names the one that failed.

How the Line4 Check report words itShow

The first of its checks, word for word as the report shows it when it fails. The others read the same, with their own column, row or sheet.

Percentage: Countercyclical capital buffer rate applicable for the country of the institution <= 1

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Look for a value outside the limit in these cells.
  3. 03If the value is a percentage, EBA expects it as a decimal: 12% is reported as 0.12.
  4. 04EBA compares the values exactly here: there is no rounding tolerance.
  5. 05It runs only when your filing indicators mark C 09.04 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

Breakdown of credit exposures relevant for the calculation of the countercyclical buffer by country and institution-specific countercyclical buffer rate (C 09.04)

Rows

  • 0120Countercyclical capital buffer rate set by the Designated Authority
  • 0130Countercyclical capital buffer rate applicable for the country of the institution
  • 0140Institution-specific countercyclical capital buffer rate

Column

  • 0020Percentage

A worked example

The first of its checks, with simple numbers.

What the rule then expects

Countercyclical capital buffer rate applicable for the country of the institution, percentage can then be at most 1.

1Passes
1.1Fails

A file that reports 1 passes. One that reports 1.1 fails, by 0.1.

The numbers are illustrative.

Show the rule as writtenShow

EBA's formula, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.

{C_09.04,r0130,c0020,} <= 1

The next two:

{C_09.04,r0140,c0020,} <= 1{C_09.04,r0120,c0020,} <= 1

Every COREP own funds rule, by template

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