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In forcePillar 2 capitalLast checked 11 November 2026

Credit risk, standardised approach, retail, Pillar 2 (FSA077)

A regulatory return listed by the Bank of England (PRA), banks, United Kingdom.

Collects the regulatory inputs for retail portfolios where capital is calculated with the standardised approach to credit risk, for the Pillar 2A credit risk assessment. Source

Official title: FSA077 Pillar 2 credit risk standardised approach retail

The facts

Who files
Any CRR firm with retail portfolios under the standardised approach to credit risk (rule 2.8). Source
How often
With the firm's ICAAP: in line with its ICAAP submission frequency, or on a regular and proportionate basis if the ICAAP is not submitted annually (Reporting Pillar 2 rules 3.1 and 3.2; Pillar 2 reporting schedule). Source
Deadline
At the same time as the firm submits its ICAAP assessment to the PRA (Reporting Pillar 2 rule 3.1). Source
Format
XML. Since 1 April 2024 filed through BEEDS as an XML file generated from the Excel template (Excel files themselves are not accepted). Source
How it is filed
Filing routes recorded for the PRA: BEEDS (Bank of England Electronic Data Submission portal); RegData (Financial Conduct Authority). See how firms file with the PRA.
Status
In forceRule 2.8 is shown as deleted in the Reporting Pillar 2 Part in force from 1 January 2027. Source
Legal basis
Group
Pillar 2 capital

Templates (1)

The tables and forms inside the return. Plain name first, the PRA's code in brackets.

  • Pillar 2 credit risk standardised approach retail (FSA077)

Where the list was read: Source

Validation rules

No published validation rules were found for this return. No published rule list was found; the BEEDS notes ask firms to complete reportable fields and leave greyed-out fields blank. Source

Public data

No published data from this return was found. No publication of this data, firm by firm or added up, was found on the Bank of England pages read. The PRA does not publish individual firms' returns. Source

Official documents (9)

The PRA's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see PRA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 11 November 2026.