Line4

1 min readWarningEBA reporting framework 4.2Updated 10 November 2026

The sum of two rows cannot be negative (row 0020, EBA rule v89291_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

Loans collateralised by commercial immovable property (under total EU area) plus loans collateralised by commercial immovable property (under total non-EU area) cannot be negative.

All the values are in the > 100; <= 200 column (0030) of D 02.00.a.

How the Line4 Check report words itShow

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

> 100; <= 200: Total EU area, of which Loans collateralised by commercial immovable property + Total non-EU area, of which Loans collateralised by commercial 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
  • 0070Of which Loans collateralised by commercial immovable property

Column

  • 0030> 100; <= 200
Show the rule as writtenShow

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

{D_02.00.a,r0020,c0030,} + {D_02.00.a,r0070,c0030,} >= 0

Every ESG rule, by template

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