Line4

2 min readWarningEBA reporting framework 4.2Updated 10 November 2026

Total gross carrying amount (in M EUR) cannot be less than the sum of eight columns (EBA rule v89322_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

Total gross carrying amount (in M EUR) cannot be less than these eight added up:

  • A
  • B
  • C
  • D
  • E
  • F
  • G
  • Without EPC label of collateral

EBA checks it for eight rows: total EU area, loans collateralised by commercial immovable property (0020), loans collateralised by residential immovable property (0030), collateral obtained by taking possession: residential and commercial immovable properties (0040), total non-EU area, loans collateralised by commercial immovable property (0070), loans collateralised by residential immovable property (0080), and collateral obtained by taking possession: residential and commercial immovable properties (0090). That makes eight checks. A failure names the one that failed.

How the Line4 Check report words itShow

The first of its checks, word for word as the report shows it when it fails. The others read the same, with their own column, row or sheet.

Total EU area, Total gross carrying amount (in M EUR) >= Total EU area, A + Total EU area, B + Total EU area, C + Total EU area, D + Total EU area, E + Total EU area, F + Total EU area, G + Total EU area, Without EPC label of collateral

What to do if your filing fails it

  1. 01Open the template below and find the cells the rule reads.
  2. 02Compare the values in your file. If the first is smaller than it may be, one of them is wrong: check both before you change either.
  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

  • 0010Total EU area
  • 0020Of which Loans collateralised by commercial immovable property
  • 0030Of which Loans collateralised by residential immovable property
  • 0040Of which Collateral obtained by taking possession: residential and commercial immovable properties
  • 0060Total non-EU area
  • 0070Of which Loans collateralised by commercial immovable property
  • 0080Of which Loans collateralised by residential immovable property
  • 0090Of which Collateral obtained by taking possession: residential and commercial immovable properties

Columns

  • 0010Total gross carrying amount (in M EUR)
  • 0080A
  • 0090B
  • 0100C
  • 0110D
  • 0120E
  • 0130F
  • 0140G
  • 0150Without EPC label of collateral
Show the rule as writtenShow

EBA's formula, as written out for the first of its checks. Cells are written as {template, row, column, sheet}.

{D_02.00.a,r0010,c0010,} >= {D_02.00.a,r0010,c0080,} + {D_02.00.a,r0010,c0090,} + {D_02.00.a,r0010,c0100,} + {D_02.00.a,r0010,c0110,} + {D_02.00.a,r0010,c0120,} + {D_02.00.a,r0010,c0130,} + {D_02.00.a,r0010,c0140,} + {D_02.00.a,r0010,c0150,}

The next five:

{D_02.00.a,r0080,c0010,} >= {D_02.00.a,r0080,c0080,} + {D_02.00.a,r0080,c0090,} + {D_02.00.a,r0080,c0100,} + {D_02.00.a,r0080,c0110,} + {D_02.00.a,r0080,c0120,} + {D_02.00.a,r0080,c0130,} + {D_02.00.a,r0080,c0140,} + {D_02.00.a,r0080,c0150,}{D_02.00.a,r0060,c0010,} >= {D_02.00.a,r0060,c0080,} + {D_02.00.a,r0060,c0090,} + {D_02.00.a,r0060,c0100,} + {D_02.00.a,r0060,c0110,} + {D_02.00.a,r0060,c0120,} + {D_02.00.a,r0060,c0130,} + {D_02.00.a,r0060,c0140,} + {D_02.00.a,r0060,c0150,}{D_02.00.a,r0030,c0010,} >= {D_02.00.a,r0030,c0080,} + {D_02.00.a,r0030,c0090,} + {D_02.00.a,r0030,c0100,} + {D_02.00.a,r0030,c0110,} + {D_02.00.a,r0030,c0120,} + {D_02.00.a,r0030,c0130,} + {D_02.00.a,r0030,c0140,} + {D_02.00.a,r0030,c0150,}{D_02.00.a,r0090,c0010,} >= {D_02.00.a,r0090,c0080,} + {D_02.00.a,r0090,c0090,} + {D_02.00.a,r0090,c0100,} + {D_02.00.a,r0090,c0110,} + {D_02.00.a,r0090,c0120,} + {D_02.00.a,r0090,c0130,} + {D_02.00.a,r0090,c0140,} + {D_02.00.a,r0090,c0150,}{D_02.00.a,r0070,c0010,} >= {D_02.00.a,r0070,c0080,} + {D_02.00.a,r0070,c0090,} + {D_02.00.a,r0070,c0100,} + {D_02.00.a,r0070,c0110,} + {D_02.00.a,r0070,c0120,} + {D_02.00.a,r0070,c0130,} + {D_02.00.a,r0070,c0140,} + {D_02.00.a,r0070,c0150,}

And 2 more, the same formula for the other cells it covers.

Every ESG rule, by template

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