Annex II instructions (see below) do not define the buckets for reporting 'Timing of Substitution' for Lending function. Note that buckets have been defined for other economic functions templates.

The Axiom reporting solution is using the same timing of substitution bucket as Payments economic function, which may not be appropriate for lending.

Annext II instruction for Lending:
"Timing - Expected time for substitution
Estimate the time necessary for the economic function provided by the reporting
entity to be absorbed by the market in a crisis situation. This includes: 
•  the expected time needed by one or several competitor(s) to accomplish the legal and technical steps to take over the function; as well as  
•  the time required by users of the service to move to another service provider.

For lending, for example, this does not refers to a run-off of the outstanding portfolio or the transfer of that portfolio to a prospective buyer, but rather to the ability of households corporates and governments to obtain similar loans from other providers.

As a proxy for the former, provide an estimate of the time it would take the reporting entity to absorb in its own business (part of) the service provided by another institution, at a reasonable cost, in a crisis situation. Report the estimated time to substitution in the buckets provided in the template:"