Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Level of energy efficiency (EPC label of collateral): total non-EU area cannot be less than the sum of three rows (EBA rule v16053_m)

A warning in the environmental, social and governance risks return (ESG), on template D 02.00.a, banking book - Indicators of potential climate change transition risk: loans collateralised by immovable property - energy efficiency of the collateral (I).

Check your file against this ruleWhat to do if it fails

The rule in plain words

For level of energy efficiency (EPC label of collateral): total non-EU area cannot be less than these three added up:

  • Loans collateralised by commercial immovable property
  • Loans collateralised by residential immovable property
  • Collateral obtained by taking possession: residential and commercial immovable properties

EBA checks it for 15 columns, from total gross carrying amount (in M EUR) (0010) to without EPC label of collateral (0150). That makes 15 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.

D: Total non-EU area >= Of which Loans collateralised by commercial immovable property + Of which Loans collateralised by residential immovable property + Of which Collateral obtained by taking possession: residential and commercial immovable properties

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Compare the values in your file. If the first is smaller 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 D 02.00 as reported.
  5. 05This 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

Banking book - Indicators of potential climate change transition risk: loans collateralised by immovable property - energy efficiency of the collateral (I) (D 02.00.a)

Rows

  • 0060Total non-EU area
  • 0070Of which Loans collateralised by commercial immovable property
  • 0080Of which Loans collateralised by residential immovable property
  • 0090Of which Collateral obtained by taking possession: residential and commercial immovable properties

Columns

  • 0010Total gross carrying amount (in M EUR)
  • 00200; <= 100
  • 0030> 100; <= 200
  • 0040> 200; <= 300
  • 0050> 300; <= 400
  • 0060> 400; <= 500
  • 0070> 500
  • 0080A
  • 0090B
  • 0100C
  • 0110D
  • 0120E
  • 0130F
  • 0140G
  • 0150Without EPC label of collateral

A worked example

The first of its checks, with simple numbers.

Illustrative values
Loans collateralised by commercial immovable property1,200
Loans collateralised by residential immovable property800
Collateral obtained by taking possession: residential and commercial immovable properties450
Together2,450
What the rule then expects

Total non-EU area must then be at least 2,450.

2,450Passes
2,350Fails

A file that reports 2,450 passes. One that reports 2,350 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, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.

{D_02.00.a,r0060,c0110,} >= {D_02.00.a,r0070,c0110,} + {D_02.00.a,r0080,c0110,} + {D_02.00.a,r0090,c0110,}

The next five:

{D_02.00.a,r0060,c0130,} >= {D_02.00.a,r0070,c0130,} + {D_02.00.a,r0080,c0130,} + {D_02.00.a,r0090,c0130,}{D_02.00.a,r0060,c0150,} >= {D_02.00.a,r0070,c0150,} + {D_02.00.a,r0080,c0150,} + {D_02.00.a,r0090,c0150,}{D_02.00.a,r0060,c0010,} >= {D_02.00.a,r0070,c0010,} + {D_02.00.a,r0080,c0010,} + {D_02.00.a,r0090,c0010,}{D_02.00.a,r0060,c0020,} >= {D_02.00.a,r0070,c0020,} + {D_02.00.a,r0080,c0020,} + {D_02.00.a,r0090,c0020,}{D_02.00.a,r0060,c0070,} >= {D_02.00.a,r0070,c0070,} + {D_02.00.a,r0080,c0070,} + {D_02.00.a,r0090,c0070,}

And 9 more, the same formula for the other cells it covers.

Every ESG rule, by template

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