Line4

1 min readBlockingEBA reporting framework 4.2Updated 10 November 2026

The sum of seven columns cannot be more than loans and advances, households (EBA rule v1084_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

These seven added up, all for households cannot be more than loans and advances, households:

  • Residential immovable property
  • Commercial immovable property
  • Cash, deposits, [debt securities issued]
  • Movable property
  • Equity and debt securities
  • Rest
  • Financial guarantees received
How the Line4 Check report words itShow

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

F_13.01: Of which: Households, Residential immovable property + F_13.01: Of which: Households, Commercial immovable property + F_13.01: Of which: Households, Cash, deposits, [debt securities issued] + F_13.01: Of which: Households, Movable property + F_13.01: Of which: Households, Equity and debt securities + F_13.01: Of which: Households, Rest + F_13.01: Of which: Households, Financial guarantees received <= F_05.01: LOANS AND ADVANCES, 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

  • 0080LOANS AND ADVANCES

Column

  • 0060Households

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

Row

  • 0040Of which: Households

Columns

  • 0010Residential immovable property
  • 0020Commercial immovable property
  • 0030Cash, deposits, [debt securities issued]
  • 0031Movable property
  • 0032Equity and debt securities
  • 0041Rest
  • 0050Financial guarantees received

A worked example

The first of its checks, with simple numbers.

Illustrative values
Households, residential immovable property1,200
Households, commercial immovable property800
Households, cash, deposits, [debt securities issued]450
Households, movable property300
Households, equity and debt securities150
Households, rest100
Households, financial guarantees received60
Together3,060
What the rule then expects

Loans and advances, households must then be at least 3,060.

3,060Passes
2,960Fails

A file that reports 3,060 passes. One that reports 2,960 fails, by 100.

The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.

Show the rule as writtenShow

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

sum({F_13.01,r0040,c0010,},{F_13.01,r0040,c0020,},{F_13.01,r0040,c0030,},{F_13.01,r0040,c0031,},{F_13.01,r0040,c0032,},{F_13.01,r0040,c0041,},{F_13.01,r0040,c0050,}) <= {F_05.01,r0080,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.