The rule in plain words
Loan commitments given, forborne nominal amount cannot be negative.
How the Line4 Check report words itShowHide
Word for word as the report shows it when the rule fails.
Of which: forborne: Loan commitments given >= 0
What to do if your filing fails it
- 01Open the template below and find the cells the rule reads.
- 02Look for a value with the wrong sign in these cells, such as an amount entered as a negative number.
- 03EBA compares the values exactly here: there is no rounding tolerance.
- 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
Column
- 0022Of which: forborne
A worked example
The first of its checks, with simple numbers.
What the rule then expects
Loan commitments given, forborne nominal amount 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 writtenShowHide
EBA's formula. Cells are written as {template, row, column, sheet}.
{F_20.05.a,r0010,c0022,} >= 0Other rules on F 20.05.a
- None of the nine values it checks in geographical breakdown of off-balance sheet exposures can be negative (v3965_s)Warning
- Non-performing nominal amount cannot be more than nominal amount (v3139_m)Warning
- Forborne nominal amount cannot be more than nominal amount (v3138_m)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.