The rule in plain words
Loans and advances other than loans on demand, carrying amount of unencumbered assets must equal these four added up, all for total unencumbered assets:
- Central banks and general governments
- Financial corporations
- Non financial corporations
- Households
How the Line4 Check report words itShowHide
Word for word as the report shows it when the rule fails.
F_36.01.C: Total unencumbered assets, Central banks and general governments + F_36.01.C: Total unencumbered assets, Financial corporations + F_36.01.C: Total unencumbered assets, Non financial Corporations + F_36.01.C: Total unencumbered assets, Households = F_32.01: Loans and advances other than loans on demand, Carrying amount of unencumbered assets
What to do if your filing fails it
- 01Open the templates 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- 03If they differ, a part is missing, a value sits in the wrong column, or the total is out of date.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 F 32.01 and F 36.01 as reported.
- 06This is a blocking check. A filing that fails it is normally rejected, so fix it before you submit.
The cells it reads
Asset encumbrance: encumbrance overview - assets (F 32.01)
Row
- 0100Loans and advances other than loans on demand
Column
- 0060Carrying amount of unencumbered assets
Asset encumbrance: Advance template for assets of the reporting institution (c) (F 36.01.c)
Row
- 0210Total unencumbered assets
Columns
- 0110Central banks and general governments
- 0120Financial corporations
- 0130Non financial Corporations
- 0150Households
A worked example
The first of its checks, with simple numbers.
Loans and advances other than loans on demand, carrying amount of unencumbered assets must then be 2,750.
A file that reports 2,750 passes. One that reports 2,850 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}.
sum({F_36.01.c,r0210,c0110,},{F_36.01.c,r0210,c0120,},{F_36.01.c,r0210,c0130,},{F_36.01.c,r0210,c0150,}) = {F_32.01,r0100,c0060,}Other rules on F 32.01
- Carrying amount of encumbered assets: loans and advances other than loans on demand, central bank's eligible must equal the sum of its four parts (v2957_m)Warning
- Carrying amount of unencumbered assets: loans and advances other than loans on demand, central bank's eligible must equal the sum of its four parts (v2959_m)Blocking
- Loans and advances other than loans on demand, carrying amount of encumbered assets must equal the sum of its four parts (v2956_m)Warning
- The sum of two columns cannot be more than loans collateralised with immovable property, carrying amount of encumbered assets (v2960_m)Warning
- Total encumbered assets: the sum of two columns cannot be more than loans collateralised with immovable property, central bank's eligible (v2961_m)Warning
- The sum of two columns cannot be more than loans collateralised with immovable property, carrying amount of unencumbered assets (v2962_m)Blocking
- Total unencumbered assets: the sum of two columns cannot be more than loans collateralised with immovable property, central bank's eligible (v2963_m)Blocking
- A balancing check across asset encumbrance: maturity data and two other templates (F 33.00.a, F 32.02.a, v2877_m)Warning
Checks like this one, run at the point of submission, are the first step to real-time supervision.