The rule in plain words
For loans collateralised by residential immovable property: these six added up cannot be more than total gross carrying amount (in M EUR) (under total EU area) plus total gross carrying amount (in M EUR) (under total non-EU area):
- > 300; <= 400 (under total EU area)
- > 400; <= 500 (under total EU area)
- > 500 (under total EU area)
- > 300; <= 400 (under total non-EU area)
- > 400; <= 500 (under total non-EU area)
- > 500 (under total non-EU area)
The headline gives only the kind of check and the template, because the rule is too long to say in a headline. The plain words above say all of it.
How the Line4 Check report words itShowHide
Word for word as the report shows it when the rule fails.
Total EU area, of which Loans collateralised by residential immovable property, > 300; <= 400 + Total EU area, of which Loans collateralised by residential immovable property, > 400; <= 500 + Total EU area, of which Loans collateralised by residential immovable property, > 500 + Total non-EU area, of which Loans collateralised by residential immovable property, > 300; <= 400 + Total non-EU area, of which Loans collateralised by residential immovable property, > 400; <= 500 + Total non-EU area, of which Loans collateralised by residential immovable property, > 500 <= Total EU area, of which Loans collateralised by residential immovable property, Total gross carrying amount (in M EUR) + Total non-EU area, of which Loans collateralised by residential immovable property, Total gross carrying amount (in M EUR)
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 bigger 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 D 02.00 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
Rows
- 0030Of which Loans collateralised by residential immovable property
- 0080Of which Loans collateralised by residential immovable property
Columns
- 0010Total gross carrying amount (in M EUR)
- 0050> 300; <= 400
- 0060> 400; <= 500
- 0070> 500
Show the rule as writtenShowHide
EBA's formula. Cells are written as {template, row, column, sheet}.
{D_02.00.a,r0030,c0050,} + {D_02.00.a,r0030,c0060,} + {D_02.00.a,r0030,c0070,} + {D_02.00.a,r0080,c0050,} + {D_02.00.a,r0080,c0060,} + {D_02.00.a,r0080,c0070,} <= {D_02.00.a,r0030,c0010,} + {D_02.00.a,r0080,c0010,}Other rules on D 02.00.a
- The sum of six cells cannot be negative (v89273_m)Warning
- An upper-limit check on banking book: Indicators of potential climate change transition risk (row 0020, v89274_m)Warning
- The sum of eight cells cannot be negative (v89275_m)Warning
- An upper-limit check on banking book: Indicators of potential climate change transition risk (row 0020, v89276_m)Warning
- A sum of eight cells cannot be negative (row 0020, v89277_m)Warning
- An upper-limit check on banking book: Indicators of potential climate change transition risk (row 0020, v89278_m)Warning
- A sum of eight cells cannot be negative (row 0020, v89279_m)Warning
- An upper-limit check on banking book: Indicators of potential climate change transition risk (row 0050, v89280_m)Warning
Checks like this one, run at the point of submission, are the first step to real-time supervision.