Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

The sum of 24 cells cannot be negative (D 02.00.a, EBA rule v89285_m)

A warning in the environmental, social and governance risks return (ESG), on template D 02.00.a, banking book - Indicators of potential climate change transition risk: loans collateralised by immovable property - energy efficiency of the collateral (I).

Check your file against this ruleWhat to do if it fails

The rule in plain words

These 24 added up cannot be negative:

  • Loans collateralised by commercial immovable property, 0; <= 100 (under total EU area)
  • Loans collateralised by commercial immovable property, > 100; <= 200 (under total EU area)
  • Loans collateralised by commercial immovable property, > 200; <= 300 (under total EU area)
  • Loans collateralised by commercial immovable property, > 300; <= 400 (under total EU area)
  • 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, 0; <= 100 (under total EU area)
  • Loans collateralised by residential immovable property, > 100; <= 200 (under total EU area)
  • Loans collateralised by residential immovable property, > 200; <= 300 (under total EU area)
  • Loans collateralised by residential immovable property, > 300; <= 400 (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, 0; <= 100 (under total non-EU area)
  • Loans collateralised by commercial immovable property, > 100; <= 200 (under total non-EU area)
  • Loans collateralised by commercial immovable property, > 200; <= 300 (under total non-EU area)
  • Loans collateralised by commercial immovable property, > 300; <= 400 (under total non-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, 0; <= 100 (under total non-EU area)
  • Loans collateralised by residential immovable property, > 100; <= 200 (under total non-EU area)
  • Loans collateralised by residential immovable property, > 200; <= 300 (under total non-EU area)
  • Loans collateralised by residential immovable property, > 300; <= 400 (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 itShow

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

Total EU area, of which Loans collateralised by commercial immovable property, 0; <= 100 + Total EU area, of which Loans collateralised by commercial immovable property, > 100; <= 200 + Total EU area, of which Loans collateralised by commercial immovable property, > 200; <= 300 + Total EU area, of which Loans collateralised by commercial immovable property, > 300; <= 400 + 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, 0; <= 100 + Total EU area, of which Loans collateralised by residential immovable property, > 100; <= 200 + Total EU area, of which Loans collateralised by residential immovable property, > 200; <= 300 + 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 commercial immovable property, 0; <= 100 + Total non-EU area, of which Loans collateralised by commercial immovable property, > 100; <= 200 + Total non-EU area, of which Loans collateralised by commercial immovable property, > 200; <= 300 + Total non-EU area, of which Loans collateralised by commercial immovable property, > 300; <= 400 + 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, 0; <= 100 + Total non-EU area, of which Loans collateralised by residential immovable property, > 100; <= 200 + Total non-EU area, of which Loans collateralised by residential immovable property, > 200; <= 300 + 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 >= 0

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Look for a value with the wrong sign in these cells, such as an amount entered as a negative number.
  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 D 02.00 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

Banking book - Indicators of potential climate change transition risk: loans collateralised by immovable property - energy efficiency of the collateral (I) (D 02.00.a)

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

  • 00200; <= 100
  • 0030> 100; <= 200
  • 0040> 200; <= 300
  • 0050> 300; <= 400
  • 0060> 400; <= 500
  • 0070> 500
Show the rule as writtenShow

EBA's formula. Cells are written as {template, row, column, sheet}.

{D_02.00.a,r0020,c0020,} + {D_02.00.a,r0020,c0030,} + {D_02.00.a,r0020,c0040,} + {D_02.00.a,r0020,c0050,} + {D_02.00.a,r0020,c0060,} + {D_02.00.a,r0020,c0070,} + {D_02.00.a,r0030,c0020,} + {D_02.00.a,r0030,c0030,} + {D_02.00.a,r0030,c0040,} + {D_02.00.a,r0030,c0050,} + {D_02.00.a,r0030,c0060,} + {D_02.00.a,r0030,c0070,} + {D_02.00.a,r0070,c0020,} + {D_02.00.a,r0070,c0030,} + {D_02.00.a,r0070,c0040,} + {D_02.00.a,r0070,c0050,} + {D_02.00.a,r0070,c0060,} + {D_02.00.a,r0070,c0070,} + {D_02.00.a,r0080,c0020,} + {D_02.00.a,r0080,c0030,} + {D_02.00.a,r0080,c0040,} + {D_02.00.a,r0080,c0050,} + {D_02.00.a,r0080,c0060,} + {D_02.00.a,r0080,c0070,} >= 0

Every ESG rule, by template

Checks like this one, run at the point of submission, are the first step to real-time supervision.