Under the current financial-economic conditions, banks may be in a situation in which they "pay out" their depositors negative interest rates. Back in the days, when F9004 was designed, this scenario was not very likely and we choose to block all cells for filling in negative interest rates. Recently, we've changed this. Starting with the reporting month of February 2013 reporters will be able to report negative interest rates. When you have any questions regarding this change in F9004 please contact your contactperson at DNB.