The rule in plain words
Non-financial corporations cannot be less than commercial real estate (CRE) loans to small and medium-sized enterprises plus commercial real estate (CRE) loans to non-financial corporations other than SMEs.
All the values are in the inflows to non-performing exposures column (0010) of F 18.01.
How the Line4 Check report words itShowHide
Word for word as the report shows it when the rule fails.
Inflows to non-performing exposures: Non-financial corporations >= Of which: Commercial real estate (CRE) loans to small and medium-sized enterprises + Of which: Commercial real estate (CRE) loans to non-financial corporations other than SMEs
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 smaller 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 18.01 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
Inflows and outflows of non-performing exposures - loans and advances by counterparty sector (F 18.01)
Rows
- 0050Non-financial corporations
- 0070Of which: Commercial real estate (CRE) loans to small and medium-sized enterprises
- 0080Of which: Commercial real estate (CRE) loans to non-financial corporations other than SMEs
Column
- 0010Inflows to non-performing exposures
A worked example
The first of its checks, with simple numbers.
Non-financial corporations must then be at least 2,000.
A file that reports 2,000 passes. One that reports 1,900 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_18.01,r0050,c0010,} >= {F_18.01,r0070,c0010,} + {F_18.01,r0080,c0010,}Other rules on F 18.01
- Non-financial corporations cannot be less than loans collateralised by commercial immovable property (v7867_m)Warning
- Households cannot be less than loans collateralised by residential immovable property (v7868_m)Warning
- Households cannot be less than credit for consumption (v7869_m)Warning
- Loans and advances other than held for trading or trading must equal the sum of its six parts (v7870_m)Warning
- Total inflows / outflows must equal the sum of its two parts (v7871_m)Warning
- Non-financial corporations cannot be less than small and medium-sized Enterprises (v8114_m)Warning
- Small and medium-sized Enterprises cannot be less than commercial real estate (CRE) loans to small and medium-sized enterprises (v8115_m)Warning
- Non-financial corporations cannot be more than small and medium-sized Enterprises (v8116_m)Warning
Every FINREP 9 rule, by template
Checks like this one, run at the point of submission, are the first step to real-time supervision.