Line4

1 min readBlockingEBA reporting framework 4.2Updated 10 November 2026

Loans and advances, residential immovable property plus loans and advances, commercial immovable property cannot be more than the sum of five columns (EBA rule v1074_m)

A blocking check in the financial reporting return (FINREP 9), on templates F 05.01, breakdown of non-trading loans and advances by product: loans and advances other than held for trading, trading or held for sale assets by product and F 13.01, breakdown of collateral and guarantees by loans and advances other than held for trading.

Check your file against this ruleWhat to do if it fails

The rule in plain words

Loans and advances, residential immovable property plus loans and advances, commercial immovable property cannot be more than these five added up, all for loans collateralized by immovable property:

  • General governments
  • Credit institutions
  • Other financial corporations
  • Non-financial corporations
  • Households
How the Line4 Check report words itShow

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

F_13.01: Loans and advances, Residential immovable property + F_13.01: Loans and advances, Commercial immovable property <= F_05.01: of which: loans collateralized by immovable property, General governments + F_05.01: of which: loans collateralized by immovable property, Credit institutions + F_05.01: of which: loans collateralized by immovable property, Other financial corporations + F_05.01: of which: loans collateralized by immovable property, Non-financial corporations + F_05.01: of which: loans collateralized by immovable property, Households

What to do if your filing fails it

  1. 01Open the templates below and find the cells the rule reads.
  2. 02Compare the values in your file. If the first is bigger than it may be, one of them is wrong: check both before you change either.
  3. 03EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  4. 04It runs only when your filing indicators mark F 13.01 and F 05.01 as reported.
  5. 05This is a blocking check. A filing that fails it is normally rejected, so fix it before you submit.

The cells it reads

Breakdown of non-trading loans and advances by product: loans and advances other than held for trading, trading or held for sale assets by product (F 05.01)

Row

  • 0090of which: loans collateralized by immovable property

Columns

  • 0020General governments
  • 0030Credit institutions
  • 0040Other financial corporations
  • 0050Non-financial corporations
  • 0060Households

Breakdown of collateral and guarantees by loans and advances other than held for trading (F 13.01)

Row

  • 0010Loans and advances

Columns

  • 0010Residential immovable property
  • 0020Commercial immovable property
Show the rule as writtenShow

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

sum({F_13.01,r0010,c0010,},{F_13.01,r0010,c0020,}) <= sum({F_05.01,r0090,c0020,},{F_05.01,r0090,c0030,},{F_05.01,r0090,c0040,},{F_05.01,r0090,c0050,},{F_05.01,r0090,c0060,})

Every FINREP 9 rule, by template

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