Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

The sum of four rows cannot be negative (row 0020, EBA rule v89286_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 four added up cannot be negative:

  • Loans collateralised by commercial immovable property (under total EU area)
  • Loans collateralised by residential immovable property (under total EU area)
  • Loans collateralised by commercial immovable property (under total non-EU area)
  • Loans collateralised by residential immovable property (under total non-EU area)

All the values are in the 0; <= 100 column (0020) of D 02.00.a.

How the Line4 Check report words itShow

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

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

Column

  • 00200; <= 100
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,r0030,c0020,} + {D_02.00.a,r0070,c0020,} + {D_02.00.a,r0080,c0020,} >= 0

Every ESG rule, by template

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