The rule in plain words
Forborne nominal amount cannot be more than nominal amount.
All the values are in the loan commitments given row (0010) of F 20.05.a.
How the Line4 Check report words itShowHide
Word for word as the report shows it when the rule fails.
Loan commitments given, Of which: forborne <= Loan commitments given, Nominal amount
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 bigger 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 F 20.05 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
Geographical breakdown of off-balance sheet exposures by residence of the counterparty (a) (F 20.05.a)
Row
- 0010Loan commitments given
Columns
- 0010Nominal amount
- 0022Of which: forborne
A worked example
The first of its checks, with simple numbers.
Nominal amount must then be at least 1,200.
A file that reports 1,200 passes. One that reports 1,100 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}.
{F_20.05.a,r0010,c0022,} <= {F_20.05.a,r0010,c0010,}Other rules on F 20.05.a
- Non-performing nominal amount cannot be more than nominal amount (v3139_m)Warning
- None of the nine values it checks in geographical breakdown of off-balance sheet exposures can be negative (v3965_s)Warning
- Loan commitments given, forborne nominal amount cannot be negative (v4361_s)Warning
- Loan commitments given: nominal amount cannot be less than provisions for commitments and guarantees given (v0992_m)Not run yet
- Defaulted nominal amount cannot be more than non-performing nominal amount (v7904_m)Warning
- Financial guarantees given: nominal amount cannot be less than provisions for commitments and guarantees given (v12015_m)Not run yet
- Other commitments given: nominal amount cannot be less than provisions for commitments and guarantees given (v12016_m)Not run yet
Every FINREP 9 rule, by template
Checks like this one, run at the point of submission, are the first step to real-time supervision.