The rule in plain words
For loans collateralised by residential immovable property: exposures with forbearance measures must equal these three added up:
- Gross carrying amount / nominal amount of exposures with forbearance measures (row 0930)
- Gross carrying amount / nominal amount of exposures with forbearance measures (row 0910)
- Gross carrying amount / nominal amount of exposures with forbearance measures (row 0160)
How the Line4 Check report words itShowHide
Word for word as the report shows it when the rule fails.
F_18.02.A: Loans collateralised by residential immovable property, of which: Exposures with forbearance measures = F_19.00.A: Households, of which: Loans collateralised by residential immovable property, Gross carrying amount / nominal amount of exposures with forbearance measures (row 0930) + F_19.00.A: Households, of which: Loans collateralised by residential immovable property, Gross carrying amount / nominal amount of exposures with forbearance measures (row 0910) + F_19.00.A: Households, of which: Loans collateralised by residential immovable property, Gross carrying amount / nominal amount of exposures with forbearance measures (row 0160)
What to do if your filing fails it
- 01Open the templates below and find the cells the rule reads.
- 02Add up the parts in your file and compare the result with the total.
- 03If they differ, a part is missing, a value sits in the wrong row, or the total is out of date.
- 04EBA allows a small rounding difference, worked out from the decimals each value is reported with.
- 05It runs only when your filing indicators mark F 18.02 and F 19.00 as reported.
- 06This 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
Commercial Real Estate (CRE) loans and additional information on loans secured by immovable property (I) (F 18.02.a)
Row
- 0070Loans collateralised by residential immovable property
Column
- 0020of which: Exposures with forbearance measures
Information on forborne exposures (I) (F 19.00.a)
Rows
- 0160Of which: Loans collateralised by residential immovable property
- 0910Of which: Loans collateralised by residential immovable property
- 0930Of which: Loans collateralised by residential immovable property
Column
- 0010Gross carrying amount / nominal amount of exposures with forbearance measures
A worked example
The first of its checks, with simple numbers.
Loans collateralised by residential immovable property, exposures with forbearance measures must then be 2,450.
A file that reports 2,450 passes. One that reports 2,550 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_18.02.a,r0070,c0020,} = sum({F_19.00.a,r0930,c0010,},{F_19.00.a,r0910,c0010,},{F_19.00.a,r0160,c0010,})Other rules on F 18.02.a
- Loans collateralised by commercial immovable property, exposures with forbearance measures must equal the sum of its three parts (v7878_m)Warning
- Performing must equal the sum of its two parts (v7880_m)Warning
- Loans collateralised by residential immovable property: F 18.02.b plus F 18.02.c cannot be more than F 18.02.a, non-performing exposures, accumulated impairment, accumulated negative changes in fair value due to credit risk plus F 18.02.a, non Performing (v7877_m)Warning
- Non Performing must equal the sum of its seven parts (v7881_m)Warning
- Non-financial corporations: F 18.02.b plus F 18.02.c cannot be more than F 18.02.a, non-performing exposures, accumulated impairment, accumulated negative changes in fair value due to credit risk plus F 18.02.a, non Performing (row 0030, v7876_m)Warning
- Non-performing exposures, accumulated impairment, accumulated negative changes in fair value due to credit risk must equal the sum of its seven parts (v7882_m)Warning
- Non-financial corporations: F 18.02.b plus F 18.02.c cannot be more than F 18.02.a, non-performing exposures, accumulated impairment, accumulated negative changes in fair value due to credit risk plus F 18.02.a, non Performing (row 0020, v7875_m)Warning
- Loans collateralised by commercial immovable property cannot be more than the sum of three rows (v7883_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.