Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

The sum of seven columns cannot be more than credit for consumption, households (EBA rule v7786_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 credit for consumption cannot be more than credit for consumption, households:

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

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

F_13.01: Of which: Credit for consumption, Movable property + F_13.01: Of which: Credit for consumption, Commercial immovable property + F_13.01: Of which: Credit for consumption, Cash, deposits, [debt securities issued] + F_13.01: Of which: Credit for consumption, Equity and debt securities + F_13.01: Of which: Credit for consumption, Financial guarantees received + F_13.01: Of which: Credit for consumption, Residential immovable property + F_13.01: Of which: Credit for consumption, Rest <= F_05.01: of which: credit for consumption, 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

  • 0110of which: credit for consumption

Column

  • 0060Households

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

Row

  • 0060Of which: Credit for consumption

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
Credit for consumption, movable property1,200
Credit for consumption, commercial immovable property800
Credit for consumption, cash, deposits, [debt securities issued]450
Credit for consumption, equity and debt securities300
Credit for consumption, financial guarantees received150
Credit for consumption, residential immovable property100
Credit for consumption, rest60
Together3,060
What the rule then expects

Credit for consumption, 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,r0060,c0031,},{F_13.01,r0060,c0020,},{F_13.01,r0060,c0030,},{F_13.01,r0060,c0032,},{F_13.01,r0060,c0050,},{F_13.01,r0060,c0010,},{F_13.01,r0060,c0041,}) <= {F_05.01,r0110,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.