The rule in plain words
Loans and advances must equal these three added up:
- Retail
- Wholesale non-financial
- Wholesale financial
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: Loans and advances = Retail + Wholesale non-financial + Wholesale financial
What to do if your filing fails it
- 01Open the template below and find the cells the rule reads.
- 02Add up the parts in your file and compare the result with the total.
- 03If they differ, a part is missing, a value sits in the wrong row, or the total is out of date.
- 04EBA allows a small rounding difference, worked out from the decimals each value is reported with.
- 05It runs only when your filing indicators mark J 08.00 as reported.
- 06This 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
- 0160Loans and advances
- 0180Retail
- 0200Wholesale non-financial
- 0210Wholesale financial
Column
- 0010Notional amount
A worked example
The first of its checks, with simple numbers.
Illustrative values
Retail1,200
Wholesale non-financial800
Wholesale financial450
Together2,450
What the rule then expects
Loans and advances must then be 2,450.
2,450Passes
2,550Fails
A file that reports 2,450 passes. One that reports 2,550 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,r0160,c0010,} = {J_08.00.a,r0180,c0010,} + {J_08.00.a,r0200,c0010,} + {J_08.00.a,r0210,c0010,}Other rules on J 08.00.a
- Retail cannot be less than retail secured by residential real estate (v22253_m)Warning
- 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
Checks like this one, run at the point of submission, are the first step to real-time supervision.