Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Level of energy efficiency (EP score in kWh/m² of collateral) estimated cannot be negative (EBA rule v16070_s)

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

Check your file against this ruleWhat to do if it fails

The rule in plain words

Level of energy efficiency (EP score in kWh/m² of collateral) estimated cannot be negative.

EBA checks it for ten rows, from total EU area (0010) to level of energy efficiency (EP score in kWh/m² of collateral) estimated (0100). That makes ten 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.

Of which level of energy efficiency (EP score in kWh/m² of collateral) estimated: Total EU area >= 0

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 with the wrong sign in these cells, such as an amount entered as a negative number.
  3. 03EBA compares the values exactly here: there is no rounding tolerance.
  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 (II) (D 02.00.b)

Rows

  • 0010Total EU area
  • 0020Of which Loans collateralised by commercial immovable property
  • 0030Of which Loans collateralised by residential immovable property
  • 0040Of which Collateral obtained by taking possession: residential and commercial immovable properties
  • 0050Of which Level of energy efficiency (EP score in kWh/m² of collateral) estimated
  • 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
  • 0100Of which Level of energy efficiency (EP score in kWh/m² of collateral) estimated

Column

  • 0160Of which level of energy efficiency (EP score in kWh/m² of collateral) estimated

A worked example

The first of its checks, with simple numbers.

What the rule then expects

Total EU area, level of energy efficiency (EP score in kWh/m² of collateral) estimated must then be at least 0.

0Passes
-100Fails

A file that reports 0 passes. One that reports -100 fails, by 100.

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}.

{D_02.00.b,r0010,c0160,} >= 0

The next five:

{D_02.00.b,r0030,c0160,} >= 0{D_02.00.b,r0080,c0160,} >= 0{D_02.00.b,r0060,c0160,} >= 0{D_02.00.b,r0100,c0160,} >= 0{D_02.00.b,r0020,c0160,} >= 0

And 4 more, the same formula for the other cells it covers.

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