The rule in plain words
Retail cannot be less than retail secured by residential real estate.
All the values are in the notional amount column (0010) of J 08.00.a.
How the Line4 Check report words itShowHide
Word for word as the report shows it when the rule fails.
Notional amount: Retail >= Of which: secured by residential real estate
What to do if your filing fails it
- 01Open the template below and find the cells the rule reads.
- 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.
- 03EBA allows a small rounding difference, worked out from the decimals each value is reported with.
- 04It runs only when your filing indicators mark J 08.00 as reported.
- 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
Relevant parameters (I) (J 08.00.a)
Rows
- 0180Retail
- 0190Of which: secured by residential real estate
Column
- 0010Notional amount
A worked example
The first of its checks, with simple numbers.
Retail secured by residential real estate can then be at most 1,200.
A file that reports 1,200 passes. One that reports 1,300 fails, by 100.
The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.
Show the rule as writtenShowHide
EBA's formula. Cells are written as {template, row, column, sheet}.
{J_08.00.a,r0180,c0010,} >= {J_08.00.a,r0190,c0010,}Other rules on J 08.00.a
- Loans and advances cannot be less than non-performing loans and advances (v22252_m)Warning
- NMDs: wholesale financial cannot be less than operational deposits (v22251_m)Warning
- NMDs: wholesale non-financial cannot be less than NMDs: wholesale non-financial exempted from 5Y cap (v22250_m)Warning
- NMDs: wholesale non-financial cannot be less than core component (v22249_m)Warning
- NMDs: retail non-transactional cannot be less than NMDs: retail non-transactional exempted from 5Y cap (v22248_m)Warning
- NMDs: retail non-transactional cannot be less than core component (v22247_m)Warning
- NMDs: retail transactional cannot be less than NMDs: retail transactional exempted from 5Y cap (v22246_m)Warning
- NMDs: retail transactional cannot be less than core component (v22245_m)Warning
Checks like this one, run at the point of submission, are the first step to real-time supervision.