The rule in plain words
These eight added up cannot be negative:
- Loans collateralised by commercial immovable property, > 400; <= 500 (under total EU area)
- Loans collateralised by commercial immovable property, > 500 (under total EU area)
- Loans collateralised by residential immovable property, > 400; <= 500 (under total EU area)
- Loans collateralised by residential immovable property, > 500 (under total EU area)
- Loans collateralised by commercial immovable property, > 400; <= 500 (under total non-EU area)
- Loans collateralised by commercial immovable property, > 500 (under total non-EU area)
- Loans collateralised by residential immovable property, > 400; <= 500 (under total non-EU area)
- Loans collateralised by residential immovable property, > 500 (under total non-EU area)
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 commercial immovable property, > 400; <= 500 + Total EU area, of which Loans collateralised by commercial immovable property, > 500 + 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 commercial immovable property, > 400; <= 500 + Total non-EU area, of which Loans collateralised by commercial immovable property, > 500 + 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 >= 0
What to do if your filing fails it
- 01Open the template below and find the cells the rule reads.
- 02Look for a value with the wrong sign in these cells, such as an amount entered as a negative number.
- 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
- 0020Of which Loans collateralised by commercial immovable property
- 0030Of which Loans collateralised by residential immovable property
- 0070Of which Loans collateralised by commercial immovable property
- 0080Of which Loans collateralised by residential immovable property
Columns
- 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,r0020,c0060,} + {D_02.00.a,r0020,c0070,} + {D_02.00.a,r0030,c0060,} + {D_02.00.a,r0030,c0070,} + {D_02.00.a,r0070,c0060,} + {D_02.00.a,r0070,c0070,} + {D_02.00.a,r0080,c0060,} + {D_02.00.a,r0080,c0070,} >= 0Other rules on D 02.00.a
- An upper-limit check on banking book: Indicators of potential climate change transition risk (row 0020, v89274_m)Warning
- An upper-limit check on banking book: Indicators of potential climate change transition risk (row 0020, v89276_m)Warning
- The sum of six cells cannot be negative (v89273_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 0030, v89272_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.