Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

The sum of seven columns cannot be more than lending for house purchase, households (EBA rule v5116_m)

A warning in the financial reporting return (FINREP 9), on templates F 05.01, breakdown of non-trading loans and advances by product: loans and advances other than held for trading, trading or held for sale assets by product and F 13.01, breakdown of collateral and guarantees by loans and advances other than held for trading.

Check your file against this ruleWhat to do if it fails

The rule in plain words

These seven added up, all for lending for house purchase cannot be more than lending for house purchase, households:

  • Rest
  • Cash, deposits, [debt securities issued]
  • Financial guarantees received
  • Equity and debt securities
  • Commercial immovable property
  • Movable property
  • Residential immovable property
How the Line4 Check report words itShow

Word for word as the report shows it when the rule fails.

F_13.01: Of which: Lending for house purchase, Rest + F_13.01: Of which: Lending for house purchase, Cash, deposits, [debt securities issued] + F_13.01: Of which: Lending for house purchase, Financial guarantees received + F_13.01: Of which: Lending for house purchase, Equity and debt securities + F_13.01: Of which: Lending for house purchase, Commercial immovable property + F_13.01: Of which: Lending for house purchase, Movable property + F_13.01: Of which: Lending for house purchase, Residential immovable property <= F_05.01: of which: lending for house purchase, Households

What to do if your filing fails it

  1. 01Open the templates below and find the cells the rule reads.
  2. 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.
  3. 03EBA allows a small rounding difference, worked out from the decimals each value is reported with.
  4. 04It runs only when your filing indicators mark F 13.01 and F 05.01 as reported.
  5. 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

Breakdown of non-trading loans and advances by product: loans and advances other than held for trading, trading or held for sale assets by product (F 05.01)

Row

  • 0120of which: lending for house purchase

Column

  • 0060Households

Breakdown of collateral and guarantees by loans and advances other than held for trading (F 13.01)

Row

  • 0050Of which: Lending for house purchase

Columns

  • 0010Residential immovable property
  • 0020Commercial immovable property
  • 0030Cash, deposits, [debt securities issued]
  • 0031Movable property
  • 0032Equity and debt securities
  • 0041Rest
  • 0050Financial guarantees received

A worked example

The first of its checks, with simple numbers.

Illustrative values
Lending for house purchase, rest1,200
Lending for house purchase, cash, deposits, [debt securities issued]800
Lending for house purchase, financial guarantees received450
Lending for house purchase, equity and debt securities300
Lending for house purchase, commercial immovable property150
Lending for house purchase, movable property100
Lending for house purchase, residential immovable property60
Together3,060
What the rule then expects

Lending for house purchase, households must then be at least 3,060.

3,060Passes
2,960Fails

A file that reports 3,060 passes. One that reports 2,960 fails, by 100.

The numbers are illustrative, reported to the unit, so the rounding tolerance does not change the result.

Show the rule as writtenShow

EBA's formula. Cells are written as {template, row, column, sheet}.

sum({F_13.01,r0050,c0041,},{F_13.01,r0050,c0030,},{F_13.01,r0050,c0050,},{F_13.01,r0050,c0032,},{F_13.01,r0050,c0020,},{F_13.01,r0050,c0031,},{F_13.01,r0050,c0010,}) <= {F_05.01,r0120,c0060,}

Every FINREP 9 rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision.