RATI-info - Suomen Pankki€¦ · RATI-info 30 November 2017 30.11.2017 1 Statistics. Suomen Pankki...

Unrestricted

Bank of Finland

RATI-info

30 November 2017

130.11.2017

Statistics

Suomen Pankki – Finlands Bank – Bank of Finland Unrestricted

Agenda

Welcome (Elisabeth Flittner) General information on the Bank of Finland’s reporting

framework (Tanja Laubach) European Reporting Framework, ERF (Jaska Järnfors) LuoTi project (Jyrki Lehtinen)

– Timetables and counterparty archive– Group structure reporting

Housing corporation loans (Jaakko Suni) Results of consumer credit survey (Jenna Björklund) Interest rate hedges and implicit margin (Olli Tuomikoski) Changes at the turn of the year (Juuso Koppanen) Revisions to reporting (Meri Sintonen and Jaakko Suni) Central bank deposits Factoring Sectoral classification 2019 (Jyrki Lehtinen) Other issues (Tanja Laubach) )

– Publication of market shares– Interest rate survey–Reporting of derivatives

30.11.2017 Statistics 2

Unrestricted

Bank of Finland

General information on the Bank of Finland’s reporting framework

Tanja Laubach

Statistics

30.11.2017 3


Bank of Finland’s MFI data collection (RATI) and consolidated data collection (KOTI)

Data is collected from MFIs– to carry out the tasks of the European System of Central Banks (ESCB)– for national statistics and analysis needs to carry out the Bank of Finland’s

tasks– to fulfil the statistical requirements of international organisations

Integrated reporting framework since 2010– Balance sheet statistics, at unit and aggregate level– Interest rate, at unit and aggregate level– Minimum reserve calculations– Data to Statistics Finland for balance of payments and financial accounts

statistics– Data directly to Bank of International Settlements (BIS) statistics and via

ECB to International Monetary Fund (IMF) statistics– In addition, Financial Supervisory Authority may use data for banking

supervision, and data may be utilised to carry out Single Supervisory Mechanism and Single Resolution Mechanism tasks.



Bank of Finland collects required series



Quality control at both unit level and aggregate level

Observations may arise from unit level data or when different time series are created.

Feedback is received from the ECB at both unit and aggregate level.

Due to different continuous reporting frequencies, questions might come more than once with respect to the same reporting date.

Separate reports on significant changes may be sent on own initiative.



Cooperation between authorities

We aim to collect data only once if possible– If another authority has the right to collect corresponding data, the

data may be shared between the authorities.– An assessment is always made on a case-by-case basis; in crisis

situations, there is a right to share information more widely.– In-house, data may be used extensively for analyses, but there

are rules with respect to disclosure of data.– Statistics are prepared according to the home country (so-called

host principle), at the solo level (KOTI data collection is an exception) .

We can only publish aggregated data– Individual reporting agents cannot be identified from data, so-

called confidentiality.– We may also publish confidential data with the reporting agent’s

permission.



Towards integrated Common Reporting? SDD

SDD – Single Data Dictionary– The aim is to create for authorities a uniform terminology, where

concepts are defined once.– Does not affect banks directly, but is important in the authorities’

background work.– The aim is to identify overlaps as well as situations where there

are differences in regulatory requirements.



Towards integrated Common Reporting? BIRD

BIRD – Banks’ Integrated Reporting Dictionary– A data model that describes the data required from source

systems as well as the processing rules by which regulatory requirements can be derived.

– Currently includes AnaCredit and SHS; in progress Finrep Solo– Does not contain software solution– Voluntary– Bank of Finland tries as far as possible to utilise code values

defined in BIRD

Link to BIRD website:

http://banks-integrated-reporting-dictionary.eu/


http://banks-integrated-reporting-dictionary.eu/


Towards integrated Common Reporting? ERF

ERF - European Reporting Framework– Common European Reporting Framework– How will the move towards common European reporting take

place?


Unrestricted

Bank of Finland

ERF review

Situation review, timetables and Qualitative Stock Taking ExerciseJaska Järnfors

Statistics

30.11.2017 11

Suomen Pankki – Finlands Bank – Bank of Finland Unrestricted30.11.2017 Statistics 12

Situation review


Progress of working group

Written work

Workshops lasting 2-3 days

September workshop organised by the Bank of Finland– The Bank of Finland’s statistics systems were also presented at

this

Preparation of survey (changed from Fact-finding to Qualitative Stock Taking Exercise)



Preliminary information about general presentation


Country A

ECBTransformations and

matching by NCBs/NCAs

AnaCredit

Securities holdings statistics (SHS)

MFI balance sheet items statistics (BSI)

NCBs/NCAs

Integrated ReportingFramework

Country B

Monetary Data

Credit Register

Supervisory Data

Security-by-security reporting

Sector accounts B.o.p. & I.i.p.

MFI interest rates statistics (MIR)

Suomi

e.g. BIS Statistics

Other statistics

Background: current data collections vary in different central banks


Approach to data collection from banks:Standardise and integrate existing frameworks for banks’ reporting across domains and across countries


Approach to data collection from banks:

Standardise and integrate existing frameworks for banks’ reporting across domainsand across countries

BIRD

Banks’ Integrated Reporting Dictionary

Support reporting agents to optimally

organise the information available

in their internal systems

BoF: we have already utilised


Voluntary!

BIR

D in

put l

ayer

ERF

colle

ctio

n la

yer

Der

ived

sta

tistic

s

Banks ESCB/SSM

Transformations by banks

Transformations by banks

Transformations by the ESCB

BIRD

Transformations defined by banks

Transformations defined by banks and authorities

Single Data Dictionary (SDD)

BSI & MIR

SHS

AnaCredit

b.o.p., i.i.p & sector accounts [?]BIS, IMF & OECD

Datasets [?]

Other reports [?]

ERF

Ope

ratio

nal S

yste

ms

BoF: mitä muuta pitää jäädä?

Bank of Finland’s role in ERF work


ERF seeks to achieve the same benefits of integrated data collection that Bank of Finland has sought since the beginning of the 2010s:

Main objectives: Consolidation of existing requirements into one report Simplification of the reporting Ensure proportionality

Expected benefits for banks: Fewer redundancies Higher cross-country standardisation Stability of reports and reduced need for ad hoc

requests Easier benchmarking



Aim: Assess the ERF impact and define its features and format

The exercise goes beyond the standard merits & costs procedure: Not assessing a new statistical regulation… but Evaluating the eagerness of stakeholders to move towards an ERF

In close cooperation with the banking industry (and ESCB users / producers)

Various scenarios will be evaluatedcombining reporting and production aspects

Sep-17 Dec-17 Mar-18 Sep-18 Dec-18Jun-18

Public communication

Qualitative stock-taking

survey

Cost-benefit assessment

surveyAssessment of

the resultsAssessment of

the results

Mar-19

30.11.2017 Statistics

Implementation and benefits of ERF will be evaluated in 2017-2019


Bank of Finland’s role in ERF work

“The Bank of Finland has actively influenced (and is influencing) the development of a European Reporting Framework. Finland has long experience of combining multiple data collections into the same reporting framework. Participation in the planning of a common European system is important in order to utilise Finland’s expertise to the full.”



ERF structure and QST exercise



…modelling principles are in accordance with BIRD (Banks’ Integrated Reporting Dictionary).

ERF structure is largely similar to that of Bank of Finland’s data collections


Implementation of QST survey

Web form-based data collection

Respondents:– Reporting agents– Compilers– Users (including Statistics Finland)

Bank of Finland:– Responsible for survey with respect to Finland:

Respondent group Emphasis

– Info sessions for respondents



Implementation of QST for banks in Finland

All banks will be respondents

Responding as a group is possible, in which case the same response will come for respondents of the whole group

Classification of respondents– BIS classifications: head office, branch, branch office– Parent undertakings’ countries of residence– Full / small reporting agents

Non-equivalence taken into consideration– Possibility of analysing data in different classifications over all

countries will be ensured– We want representative results



Preparing for the survey

Special opportunity for all reporting agents with respect to the survey form…

…when the survey form has been published and the survey is up to date

Also possibility of bilateral meetings

If necessary, we will share information earlier



Examples of questions: Will code lists be integrated or will they be kept at the minimum requirements of regulations?

Current situation in RATI: The same code lists are in use in all instruments; e.g. full country and currency distributions.

As few as possible code lists are used, despite the current regulations.

Option: they are kept at the minimum requirements of regulations. If necessary, different cubes have different code lists for the same things.



Examples of questions (2): Relationship of national add-ons to ERF

Current situation in RATI: All data are collected at the same time on an integrated basis

Basic option: All national add-ons to own cubes, which cannot be used in official reporting. Core cubes are mandatory and the same for all reporting agents.

– Bad side: double reporting.

Option 1: national add-ons included as additional attributes or as deeper hierarchies, which the statistics complier aggregates at the end product level.

Option 2: not at all included in ERF, free national applications.



Recently, the following questions have been prominent in the preparation of the survey

The relationship of reporting to accounting standards

Who reports branches and branch offices ? – How are national add-ons handled in the different options?

Quality of reported data: what is the formally correct report?


Unrestricted

Bank of Finland

LuoTi project

Timetable and counterparty archiveJyrki Lehtinen

Statistics

30.11.2017 29


LuoTi reporting guidelines: events

Since the previous RATI info session (5 June 2017), the following documents have been added to the Credit Database (LuoTi) reporting page:

Credit data collection – Description of electronic reporting, and attachments (29 September 2017)

BoF AnaCredit requirements v2.2 (29 September 2017) Preliminary validation checks for credit data collection (21 June

2017)

The aim is to update all three documents by 31 December 2017.

Link to the Bank of Finland’s credit database reporting instructions website: https://www.suomenpankki.fi/fi/Tilastot/raportointiohjeet/luottotietokanta/


https://www.suomenpankki.fi/fi/Tilastot/raportointiohjeet/luottotietokanta/


Counterparty archive reporting (Table 1)

DCS credentials have been sent to those interested in test reporting

Bank of Finland’s acknowledgment feedback for reporting agents’ DCS submissions from beginning of the year

2018M01 first release of system (release 1) in the Bank of Finland

Reporting agents’ mandatory test reporting to Bank of Finland with data for 31 December 2017 (week 6?)

Reporting agents’ mandatory counterparty reporting to Bank of Finland with data for 31 March 2018 (delay 15 banking days)

Bank of Finland’s mandatory counterparty reporting to ECB with data for 31 March 2018 situation (delay 30 banking days)

Reporting agents’ monthly counterparty reporting to Bank of Finland with data for 30 September 2018 (delay 15 banking days)



Credit data reporting (tables 2 – 11)

2018 spring/summer: test reporting of credit data to Bank of Finland

2018 spring/summer: Bank of Finland’s acknowledgment feedback for reporting agents’ DCS submissions

reporting agents’ mandatory test reporting to Bank of Finland with data for 30 June 2018 (end of July?)

2018Q3 second release of system (release 2) in the Bank of Finland

reporting agents’ production reporting to Bank of Finland with data for 30 September 2018 (15 banking days, excluding table 6; for table 6, 30 banking days)

adoption of normal production for all tables, beginning 31 October 2018



Credit AB, Granted 5.9.2018

Debtor

Head officeImmediate

parent Ultimate parent

OriginatorNon-securitised

Servicer

Creditor

Protection

Protection provider

Head office

Immediate parent

Ultimate parent

Observed agent

Reporting agent

Bank of Finland

Parties to an agreement: overview of normal credit


Credit AB, granted 15 September 2018, parties to be reported

Primary reporting (reporting agents report to national central bank):

Credit AB, parties with obligation to report: Counterparty data = Reporting agent (RA) Contract data = Observed agent (OA)

Credit AB contracting parties, i.e. in AnaCredit, roles in contract: Creditor (normally the observed agent) Servicer (normally the observed agent) Originator (if credit sold forward, but credit institution remains the servicer) Debtor

– And linked to debtor:– Head office– Immediate parent– Ultimate parent

Provider of protection possibly linked to credit– And linked to protection provider:– Head office*– Immediate parent*– Ultimate parent*

* Not reported



Identifiers attributed to parties (1/3)

Counterparty identifier: identifier used by reporting agent, enabling every counterparty to be identified uniquely. Each counterparty must have a unique counterparty identifier. This value does no change over time, nor can it be used as the counterparty identifier of another counterparty. Normally a counterparty identifier is unique only in a reporting agent’s own systems, it is not generally used as a party’s unique identifier.

The counterparty identifier is used in AnaCredit as the primary unique identifierThe reporting agent must use for a reported party the counterparty identifier in the following attributes of the Regulation:


Table 1 Name of attribute Counterparty identifier alias in table

1

Counterparty reference data

Counterparty identifier

1 Head office undertaking identifier

1 Immediate parent undertaking identifier

1 Ultimate parent undertaking identifier

4 Counterparty-instrument data Counterparty identifier

5 Joint liabilities data Counterparty identifier

7 Protection received data Protection provider identifier

9 Counterparty risk data Counterparty identifier

10 Counterparty default data Counterparty identifier



In reporting, the secondary identifiers attributed to parties identify a party unambiguously and are available to everyone. Such identifiers can be used in register enrichments.

If some secondary identifier can be attached to a primary identifier (counterparty identifier), then in the case of a number of attributes responsibility for data transfers to the Bank of Finland (like now e.g. in RATI with the ISIN code)

Secondary identifiers:

1. Legal Entity Identifier (LEI) = universal legal entity identifier issued in accordance with standard 17442 of the International Organisation for Standardisation (ISO).

2. Type of identifier = according to the ECB’s AnaCredit manual, information on type of identifier, which is reported in the attribute “National identifier”.

3. National identifier = generally used identification code with which a counterparty or a legal entity, of which a counterparty is part, can be unambiguously identified in their country of residence (not therefore universal).

4. RIAD identifier = identifier of party concerned in the ECB’s counterparty archive. Identifier not generally in use, but as such in AnaCredit.

5. International organisation identifier = To be reported if the organisation in question is an “International organisation” and it is found in the code list.




LEI code operates universally (https://www.gleif.org/en/lei/search) and it can be used to enrich attributes both in national registers and in ECB’s RIAD counterparty archive .

Type of identifier and national identifier are used together as an enrichment key. If a Finnish debtor is reported using the Business ID/Y-tunnus (e.g.1927400-1), the type of identification is FI_Y_CD. The type of identifier of different countries (and AnaCredit states) and an example of the identification itself can be found on the ECB website.

If a Business ID/Y-tunnus is attributed to a Finnish counterparty, then the Bank of Finland has available for enrichments: Business Register (Statistics Finland) Enterprise Group Register (Statistics Finland) Business Information System (BIS/YTJ) (Finnish Patent and Registration Office) Tax authority data (Tax Administration) Register of Bankruptcies and Reorganisations (Legal Register Centre) Register of Enterprises and Establishments (Financial Supervisory Authority and Bank of Finland)

If a type of identifier and a national identifier (or RIAD identifier) are attributed to a party of another AnaCredit state, then the ECB’s counterparty archive RIAD is available for enrichments.The Bank of Finland (and ECB) are responsible for the basic data on international organisations on the code list).


Unrestricted

Bank of Finland

LuoTi project

Group structure reportingJyrki Lehtinen

Statistics

30.11.2017 38


Group structure reporting (1/7)

Finance Finland (FFI) submitted a question to the Bank of Finland about group structure reporting:

On what basis should reporting agents report in AnaCredit the parent company data of its own customers in a case where the parent company in question is not a customer of the bank?

Is the requirement based on the regulation or does the Bank of Finland have discretion to omit the said requirement?




According to the AnaCredit Regulation, when the counterparty is resident in a reporting AnaCredit state, then

the group structure is always reported– for debtors in respect of whom at least one instrument (credit) has been

granted on or after 1 September 2018

subject to individual arrangements, the relevant national central bank may decide not to collect data from individual

– debtors, all of whose instruments were granted prior to 1 September 2018; or

– the counterparty is a protection provider

If the counterparty is not resident in a reporting AnaCredit state, then the group structure does not need to be reported.





AnaCredit Regulation:AnaCredit states Other than AnaCredit states

Debtor Credit bAC

Debtor Credit aAC

Protection provider

Debtor Credit bAC

Debtor Credit aAC

Protection provider


National identifier N N N N

Head office undertaking identifier

N N X X X

Immediate parent undertaking identifier

N N X X X

Ultimate parent undertaking identifier

N N X X X

Credit bAC = credit granted before 1 September 2018 and Credit aAC = credit granted on or after 1 September 2018 X = information is not required to be reportedN = subject to individual arrangements, the relevant national central bank may decide not to collect these data from individual reporting agents Blank and white = Information must be reported (AC Regulation) Blank and yellow (BoF reporting requirement)





Group structure reporting (4/7)Group structure reporting takes place as follows when a credit has been taken after 1 September 2018.In a group structure, Krunikan kukka is owned by Helsinki kukka, which is owned by Etelä-Suomen kukka, which in turn is owned by Suomen kukka. A credit institution has granted a loan to Krunikan kukka, and the other group companies are not customers of the credit institution .


Attribute Reporting

When group structure is reported, then immediate and ultimate parent undertaking must be reported

Immediate parent undertaking

Ultimate parent undertaking

Counterparty ID RA_A001 RA_B001 RA_C001

Type of identifier FI_Y_CD FI_Y_CD FI_Y_CD

National identifier 123456789-9 45678912-3 78912345-6

Head office undertaking ID No branch, blank Not reported, blank Not reported, blank

Immediate parent undertaking ID RA_B001 Not reported, blank Not reported, blank

Ultimate parent undertaking ID RA_C001 Not reported, blank Not reported, blank

Name Krunikan kukka Helsingin kukka Suomen kukka

Enrichment Registers Enrichment Enrichment



According to the Regulation’s definitions:– Head office undertaking identifier = counterparty identifier for the

legal entity of which the foreign branch is a legally dependent part. This information is only to be reported for counterparties that are foreign branches.

– Immediate parent undertaking identifier = counterparty identifier for the legal entity which is the immediate parent undertaking of the counterparty. If the counterparty has no parent undertaking, the counterparty identifier for the counterparty itself is to be reported. ‘Parent undertaking’ has the same meaning as defined in Article 4(1)(15)(a) of Regulation (EU) No 575/2013.

– Ultimate parent undertaking identifier = counterparty identifier for the legal entity which is the ultimate parent undertaking of the counterparty. This ultimate parent undertaking has no parent undertaking. If the counterparty has no parent undertaking, the counterparty identifier for the counterparty itself is to be reported. ‘Parent undertaking’ has the same meaning as defined in Article 4(1)(15)(a) of Regulation (EU) No 575/2013 .




Following discussions (with both the ECB and reporting agents), the Bank of Finland will amend the reporting requirement as follows:

For counterparties not resident in AnaCredit states– irrespective of role, group information is not required.

For counterparties resident in AnaCredit states– group structure is required, if a credit has been granted on or after

1 September 2018 (in accordance with the requirement of the Regulation)

– no requirement to report group structure if no credits at all have been granted on or after 1 September 2018

– no requirement to report group structure with respect to protection providers

The Bank of Finland’s reporting schema provides an opportunity to report all counterparty data voluntarily.

After the changes, group structure reporting will be as presented in the table on the following page.






X X X X X


X X X X X


X X X X X

AnaCredit Regulation:AnaCredit states Other than AnaCredit states

Debtor Credit bAC

Debtor Credit aAC

Protection provider

Debtor Credit bAC

Debtor Credit aAC

Protection provider


National identifier N N N N


N N X X X


N N X X X


N N X X X

Credit bAC = credit granted before 1 September 2018 and Credit aAC = credit granted on or after 1 September 2018 X = information is not required to be reportedN = subject to individual arrangements, the relevant national central bank may decide not to collect these data from individual reporting agents Blank and white = Information must be reported (AC Regulation) Blank and yellow (BoF reporting requirement)

Unrestricted

Bank of Finland

Housing corporation loans

Jaakko Suni

Statistics

30.11.2017 46


Housing corporation loan stock growing most strongly via credit institutions


05

10152025303540

2003 2005 2007 2009 2011 2013 2015 2017

Lainat luottolaitoksiltaLainat julkisyhteisöiltäLainat muilta rahoituslaitoksiltaVelkakirjat

Mrd. euroa

Lähde: Tilastokeskus ja Suomen Pankki.


Housing corporation loan stock


0

5

10

15

20

25

30

0

5

10

15

20

25

30

2004 2006 2008 2010 2012 2014 2016

Asuntoyhteisöjen lainat Asuntoyhteisöjen lainat, vuosimuutos %

Mrd. EUR %

Lähde: Suomen Pankki


Interest rate on housing corporation loan stock nearly the same as on mortgages


0,5

1,0

1,5

2,0

2,5

3,0

2011 2012 2013 2014 2015 2016 2017

Lainat asuntoyhteisöille Asuntolainat Yrityslainat

%

Lähde: Suomen Pankki.


More detailed sector breakdown of housing corporation loans


0

5

10

15

20

25

30

Asunto-osakeyhtiöt, yksityiset kotimaiset Muut asuntoyhteisöt, yksityiset kotimaisetAsunto-osakeyhtiöt, julkiset Muut asuntoyhteisöt, julkisetAsunto-osakeyhtiöt, ulkomaisomisteiset Muut asuntoyhteisöt, ulkomaisomisteiset


Mrd. euroa


At sector level, no significant structural change has taken place


61,2 %18,9 %

16,5 %

3,5 %

2013Q4

Asunto-osakeyhtiöt, yksityiset kotimaiset Asunto-osakeyhtiöt, julkiset

Muut asuntoyhteisöt, yksityiset kotimaiset Muut yht.

61,1 %17,0 %

17,6 %

4,3 %

2017Q2

Asunto-osakeyhtiöt, yksityiset kotimaiset Asunto-osakeyhtiöt, julkiset

Muut asuntoyhteisöt, yksityiset kotimaiset Muut yht.


More detailed business area breakdown of housing corporation loans

30.11.2017 Statistics

0

5

10

15

20

25

30

Asuntojen ja asuinkiinteistöjen hallinta Omien kiinteistöjen kauppa Asuntojen vuokraus Muut yht.


Mrd. euroa

52


At business area level, no significant structural change has taken place


58,4 %20,1 %

18,8 %

2,7 %

2013Q4

Asuntojen ja asuinkiinteistöjen hallintaOmien kiinteistöjen kauppaAsuntojen vuokrausMuut yht.

56,3 %

21,2 %

19,6 %

2,9 %

2017Q2

Asuntojen ja asuinkiinteistöjen hallintaOmien kiinteistöjen kauppaAsuntojen vuokrausMuut yht.


Housing corporation loan stock broken down according to purpose


0

5

10

15

20

25

30

2013 2014 2015 2016 2017/II

Uudisrakentaminen Muu Korjausrakentaminen

Mrd. euroa



Housing corporation loan stock broken down according to nature of activity


0

5

10

15

20

25

2013 2014 2015 2016 2017/II

Kotitalouksien omistamat asunto-osakeyhtiöt Muu toiminta Vuokra-asuntoyhtiöt

Mrd. euroa


Unrestricted

Bank of Finland

Results of consumer credit survey

Jenna Björklund

5630.11.2017

Statistics


Consumer credit survey (1/2)

The European Commission collects information from European Union Member States on the consumer credit market at five-yearly intervals in accordance with Directive 2008/48/EC of the European Parliament and Council.

To fulfil this information requirement, a survey on credits granted to consumers was sent to credit institutions and other financial institutions in May 2017.



Consumer credit survey (2/2)

Information was collected for 2011-2016 The survey provided information on three kinds of

loan: mortgage loans, leisure-home mortgages and consumer credits. Here, consumer credits refer to all loans granted to households, excluding mortgage loans and leisure-home mortgages.

In the survey, consumers included all households except self-employed entrepreneurs and institutional households.



Number of loans granted by credit institutions to consumers (million)


2011 2012 2013 2014 2015 2016Mortgages 1.3 1.3 1.3 1.2 1.2 1.2Leisure-home mortgages 0.1 0.1 0.1 0.1 0.1 0.1Consumer credits 4.2 4.3 4.6 4.3 4.4 4.4


Average value of loans granted by credit institutions to consumers (€1,000)


0

10

20

30

40

50

60

70

80

2011 2012 2013 2014 2015 2016Asuntolainat Vapaa-ajan asuntolainat Kulutusluotot



Average value of consumer credits granted by credit institutions to consumers (€1,000)

0

5

10

15

20

25

2011 2012 2013 2014 2015 2016Maksuaikaluotto Pidennetty luottokorttiluottoTililuotot ja valmiusluottolimiitit Muut kulutusluototKulutusluotot yhteensä




Average value of consumer credits granted by credit institutions to consumers (€1,000)


0

1

2

3

4

5

6

2011 2012 2013 2014 2015 2016Maksuaikaluotto Pidennetty luottokorttiluottoTililuotot ja valmiusluottolimiitit Kulutusluotot yhteensä



Average value of consumer credits granted by credit institutions and other financial institution to consumers (€1,000)



0

1

2

3

4

5

6

7

8

2011 2012 2013 2014 2015 2016Luottolaitokset Muut rahoitulaitokset


Proportion of loans accounted for by non-performing loans (%)



0,000

0,005

0,010

0,015

0,020

0,025

0,030

0,035

0,040

2011 2012 2013 2014 2015 2016Asuntolainat Vapaa-ajan asuntolainat Kulutusluotot

Unrestricted

Bank of Finland

Interest rate hedges and implicit margin

Olli Tuomikoski

Statistics

30.11.2017 65


HS 18 November 2017



Implicit margin calculation method1. Divide new mortgages taken according to interest rate linkage

and period of interest rate fixation2. Deduct the reference rate corresponding to it from the average

interest rate of each group3. Calculate the average value weighted by the number of

mortgages taken


New mortages

Inte

rest

rate

link

age

Perio

d of

inte

rest

rate

fixa

tion 3 month

Euribor-linked

6 month Euribor-linked

12 month Euribor-linked

3 month Euribor

…

6 month Euribor

12 month Euribor

…

---

Margin for each class of loan = average interest rate – reference rate

Weighted average

-Implicit margin


HS 18 November 2017Example of implicit margin when hedging is included in the agreed annual interest rate


Implicit margin at the present time

1.60% 1.45 %


Questions

Are the interest rate hedges included in the agreed annual interest rate?

Are one-off hedging fees included in the real actual interest rate?

Is the interest rate hedging amount easily itemised? How large an influence are interest rate hedges

estimated to have on the agreed annual interest rate? Can making a hedge have a downward impact on the

margin?


Unrestricted

Bank of Finland

Changes at the turn of the year

Juuso Koppanen

Statistics

30.11.2017 70


Changes at the turn of the year (1/2)

Versioning of reporting instructions and record structure will take place in the future so that the whole number always changes– New versions: reporting instructions 2.0 and record structure 2.0

Changes to SBS record, field 18 = ‘Classification according to recognition in financial statements’:– 2 = Financial assets held for trading– 4 = Financial assets designated at fair value through profit or loss– 41 = Financial assets at fair value through profit or loss, excl.

financial assets held for trading– 8 = Financial assets at fair value through other comprehensive

income– 6 = Financial assets at amortised cost– 14 = Cash balances at central banks and other demand deposits



Changes at the turn of the year (2/2)

IFRS 9 impairments:– The number of impairments recognised will grow and their date of

recognition will be brought forward, but reporting in RATI will not change

– In impairments, changes that happen during a month will still be reported in the LD or IL record, field 47

LuoTi’s more detailed breakdown of ‘other loans’– In BS record, field 23 a choice must be made whether or not to

use a more detailed breakdown during 2018. From the beginning of 2019 the more detailed breakdown will be mandatory: “47” = Other loans, or “47211” = Financial leases, and “47311” = Factoring, and “47319” = Other trade receivables, and “4791” = Other loans, and



Code list updates

Code list of international organisations will change– Previously 9 codes, in the future 178 codes– Old codes will no longer work

A few additions to currency code list In the future, annual data related to payment

accounts into the BS record will be mandatory– Number of payment accounts with basic features opened– Number of applications for accounts with basic features denied– Number of switched consumer payment accounts– Number of consumer payment account switching applications

denied


Unrestricted

Bank of Finland

Revisions to reporting

Central bank deposits and factoringMeri Sintonen and Jaakko Suni

Statistics

30.11.2017 74


Central bank deposits (1/6)

Background– The ECB has revised its validations, as a result of which more

attention has been paid to reporting of central bank deposits. In addition, the aim is to create reporting instructions consistent with LuoTi

– Central Bank (TARGET2 account balances) can include the minimum reserve deposit and other liquidity for payments (overnight deposits (depos) in the central bank are also calculated as other liquidity in reporting) The portion of the accounts exceeding the minimum reserve

is calculated according to whether the reserve requirement has been met during the maintenance period (6 weeks)

– TARGET2 accounts in the Bank of Finland:1. PM accounts (monetary policy counterparties)2. HAM accounts (only for minimum reserve deposit)




Reporting– The TARGET2 account balance is reported using the LD record in

overdrafts (instrument 43), counterparty central bank (sector 121)– To the minimum reserve deposit is applied the main refinancing

operations interest rate and to the portion exceeding it the overnight deposit interest rate (interest rates can be found here) the minimum reserve interest rate is currently 0.0% and for

the portion exceeding it -0.4% As different rates are applied to the minimum reserve and

other liquidity, this must be taken into account in reporting

– As the interest rate linkage (field 41) is used O = ”Other interest rates”

– Interest accrued is reported in interest payable in field 37 Interest accrued is credited/debited 2 banking days after the

maintenance period and it is calculated over the whole maintenance period from the average of day-end balances.




Example of meeting minimum reserve requirement and formation of accruing interest

– Minimum reserve requirement per day notified by BoF: €20,000,000– Maintenance period: 26 June-12 September 2017 (49 days)– Required reserve in total for maintenance period: 980M (20M x 49)


Laskelma1

Pitoperiodi: 26.7. - 12.9.20171,554,292,438.16-0.20%-0.40%

DateParticipant nameEnd of day balanceKumulatiivinen saldoDaily minimum reserveTarvittava varantoVähimmäisvarantoKorkoKertyvä KorkoKumulatiivinenMuu likviditeettiKorkoKertyvä korkoKumulatiivinenKorko yhteensäPainotettu korkoPainotettu korko

7/26/17Bonum Bank Plc46,784,939.0846,784,939.0831,720,253.84-1,507,507,499.0846,784,939.08-0.0005556 %-259.92-259.920.00-0.0011111 %0.000.00-259.92-0.2000 %-0.20%

7/27/17Bonum Bank Plc45,829,130.6292,614,069.7031,720,253.84-1,461,678,368.4645,829,130.62-0.0005556 %-254.61-514.520.00-0.0011111 %0.000.00-514.52-0.2000 %-0.20%

7/28/17Bonum Bank Plc72,052,520.22164,666,589.9231,720,253.84-1,389,625,848.2472,052,520.22-0.0005556 %-400.29-914.810.00-0.0011111 %0.000.00-914.81-0.2000 %-0.20%

7/29/17Bonum Bank Plc72,052,520.22236,719,110.1431,720,253.84-1,317,573,328.0272,052,520.22-0.0005556 %-400.29-1,315.110.00-0.0011111 %0.000.00-1,315.11-0.2000 %-0.20%

7/30/17Bonum Bank Plc72,052,520.22308,771,630.3631,720,253.84-1,245,520,807.8072,052,520.22-0.0005556 %-400.29-1,715.400.00-0.0011111 %0.000.00-1,715.40-0.2000 %-0.20%

7/31/17Bonum Bank Plc76,130,177.06384,901,807.4231,720,253.84-1,169,390,630.7476,130,177.06-0.0005556 %-422.95-2,138.340.00-0.0011111 %0.000.00-2,138.34-0.2000 %-0.20%

8/1/17Bonum Bank Plc89,623,418.73474,525,226.1531,720,253.84-1,079,767,212.0189,623,418.73-0.0005556 %-497.91-2,636.250.00-0.0011111 %0.000.00-2,636.25-0.2000 %-0.20%

8/2/17Bonum Bank Plc84,388,689.87558,913,916.0231,720,253.84-995,378,522.1484,388,689.87-0.0005556 %-468.83-3,105.080.00-0.0011111 %0.000.00-3,105.08-0.2000 %-0.20%

8/3/17Bonum Bank Plc90,330,029.07649,243,945.0931,720,253.84-905,048,493.0790,330,029.07-0.0005556 %-501.83-3,606.910.00-0.0011111 %0.000.00-3,606.91-0.2000 %-0.20%

8/4/17Bonum Bank Plc80,432,721.10729,676,666.1931,720,253.84-824,615,771.9780,432,721.10-0.0005556 %-446.85-4,053.760.00-0.0011111 %0.000.00-4,053.76-0.2000 %-0.20%

8/5/17Bonum Bank Plc80,432,721.10810,109,387.2931,720,253.84-744,183,050.8780,432,721.10-0.0005556 %-446.85-4,500.610.00-0.0011111 %0.000.00-4,500.61-0.2000 %-0.20%

8/6/17Bonum Bank Plc80,432,721.10890,542,108.3931,720,253.84-663,750,329.7780,432,721.10-0.0005556 %-446.85-4,947.460.00-0.0011111 %0.000.00-4,947.46-0.2000 %-0.20%

8/7/17Bonum Bank Plc84,039,187.41974,581,295.8031,720,253.84-579,711,142.3684,039,187.41-0.0005556 %-466.88-5,414.340.00-0.0011111 %0.000.00-5,414.34-0.2000 %-0.20%

8/8/17Bonum Bank Plc71,182,335.751,045,763,631.5531,720,253.84-508,528,806.6171,182,335.75-0.0005556 %-395.46-5,809.800.00-0.0011111 %0.000.00-5,809.80-0.2000 %-0.20%

8/9/17Bonum Bank Plc57,137,215.181,102,900,846.7331,720,253.84-451,391,591.4357,137,215.18-0.0005556 %-317.43-6,127.230.00-0.0011111 %0.000.00-6,127.23-0.2000 %-0.20%

8/10/17Bonum Bank Plc57,437,887.161,160,338,733.8931,720,253.84-393,953,704.2757,437,887.16-0.0005556 %-319.10-6,446.330.00-0.0011111 %0.000.00-6,446.33-0.2000 %-0.20%

8/11/17Bonum Bank Plc66,651,341.901,226,990,075.7931,720,253.84-327,302,362.3766,651,341.90-0.0005556 %-370.29-6,816.610.00-0.0011111 %0.000.00-6,816.61-0.2000 %-0.20%

8/12/17Bonum Bank Plc66,651,341.901,293,641,417.6931,720,253.84-260,651,020.4766,651,341.90-0.0005556 %-370.29-7,186.900.00-0.0011111 %0.000.00-7,186.90-0.2000 %-0.20%

8/13/17Bonum Bank Plc66,651,341.901,360,292,759.5931,720,253.84-193,999,678.5766,651,341.90-0.0005556 %-370.29-7,557.180.00-0.0011111 %0.000.00-7,557.18-0.2000 %-0.20%

8/14/17Bonum Bank Plc61,943,567.111,422,236,326.7031,720,253.84-132,056,111.4661,943,567.11-0.0005556 %-344.13-7,901.310.00-0.0011111 %0.000.00-7,901.31-0.2000 %-0.20%

8/15/17Bonum Bank Plc50,903,841.511,473,140,168.2131,720,253.84-81,152,269.9550,903,841.51-0.0005556 %-282.80-8,184.110.00-0.0011111 %0.000.00-8,184.11-0.2000 %-0.20%

8/16/17Bonum Bank Plc43,890,708.321,517,030,876.5331,720,253.84-37,261,561.6343,890,708.32-0.0005556 %-243.84-8,427.950.00-0.0011111 %0.000.00-8,427.95-0.2000 %-0.20%

8/17/17Bonum Bank Plc33,865,795.121,550,896,671.6531,720,253.84-3,395,766.5133,865,795.12-0.0005556 %-188.14-8,616.090.00-0.0011111 %0.000.00-8,616.09-0.2000 %-0.20%

8/18/17Bonum Bank Plc44,339,545.601,595,236,217.2531,720,253.840.003,395,766.51-0.0005556 %-18.87-8,634.9640,943,779.09-0.0011111 %-454.93-454.93-9,089.89-0.3847 %-0.21%

8/19/17Bonum Bank Plc44,339,545.601,639,575,762.8531,720,253.840.000.00-0.0005556 %0.00-8,634.9644,339,545.60-0.0011111 %-492.66-947.59-9,582.55-0.4000 %-0.21%

8/20/17Bonum Bank Plc44,339,545.601,683,915,308.4531,720,253.840.000.00-0.0005556 %0.00-8,634.9644,339,545.60-0.0011111 %-492.66-1,440.25-10,075.21-0.4000 %-0.22%

8/21/17Bonum Bank Plc34,103,596.501,718,018,904.9531,720,253.840.000.00-0.0005556 %0.00-8,634.9634,103,596.50-0.0011111 %-378.93-1,819.18-10,454.14-0.4000 %-0.22%

8/22/17Bonum Bank Plc18,790,657.231,736,809,562.1831,720,253.840.000.00-0.0005556 %0.00-8,634.9618,790,657.23-0.0011111 %-208.79-2,027.97-10,662.93-0.4000 %-0.22%

8/23/17Bonum Bank Plc16,943,492.021,753,753,054.2031,720,253.840.000.00-0.0005556 %0.00-8,634.9616,943,492.02-0.0011111 %-188.26-2,216.23-10,851.19-0.4000 %-0.22%

8/24/17Bonum Bank Plc19,031,190.271,772,784,244.4731,720,253.840.000.00-0.0005556 %0.00-8,634.9619,031,190.27-0.0011111 %-211.46-2,427.69-11,062.64-0.4000 %-0.22%

8/25/17Bonum Bank Plc24,557,761.251,797,342,005.7231,720,253.840.000.00-0.0005556 %0.00-8,634.9624,557,761.25-0.0011111 %-272.86-2,700.55-11,335.51-0.4000 %-0.23%

8/26/17Bonum Bank Plc24,557,761.251,821,899,766.9731,720,253.840.000.00-0.0005556 %0.00-8,634.9624,557,761.25-0.0011111 %-272.86-2,973.41-11,608.37-0.4000 %-0.23%

8/27/17Bonum Bank Plc24,557,761.251,846,457,528.2231,720,253.840.000.00-0.0005556 %0.00-8,634.9624,557,761.25-0.0011111 %-272.86-3,246.28-11,881.24-0.4000 %-0.23%

8/28/17Bonum Bank Plc44,989,012.761,891,446,540.9831,720,253.840.000.00-0.0005556 %0.00-8,634.9644,989,012.76-0.0011111 %-499.88-3,746.16-12,381.11-0.4000 %-0.24%

8/29/17Bonum Bank Plc44,249,549.791,935,696,090.7731,720,253.840.000.00-0.0005556 %0.00-8,634.9644,249,549.79-0.0011111 %-491.66-4,237.82-12,872.78-0.4000 %-0.24%

8/30/17Bonum Bank Plc41,527,457.811,977,223,548.5831,720,253.840.000.00-0.0005556 %0.00-8,634.9641,527,457.81-0.0011111 %-461.42-4,699.23-13,334.19-0.4000 %-0.24%

8/31/17Bonum Bank Plc45,881,287.672,023,104,836.2531,720,253.840.000.00-0.0005556 %0.00-8,634.9645,881,287.67-0.0011111 %-509.79-5,209.03-13,843.98-0.4000 %-0.25%

9/1/17Bonum Bank Plc83,166,794.022,106,271,630.2731,720,253.840.000.00-0.0005556 %0.00-8,634.9683,166,794.02-0.0011111 %-924.08-6,133.10-14,768.06-0.4000 %-0.25%

9/2/17Bonum Bank Plc83,166,794.022,189,438,424.2931,720,253.840.000.00-0.0005556 %0.00-8,634.9683,166,794.02-0.0011111 %-924.08-7,057.18-15,692.14-0.4000 %-0.26%

9/3/17Bonum Bank Plc83,166,794.022,272,605,218.3131,720,253.840.000.00-0.0005556 %0.00-8,634.9683,166,794.02-0.0011111 %-924.08-7,981.25-16,616.21-0.4000 %-0.26%

9/4/17Bonum Bank Plc82,598,694.262,355,203,912.5731,720,253.840.000.00-0.0005556 %0.00-8,634.9682,598,694.26-0.0011111 %-917.76-8,899.02-17,533.97-0.4000 %-0.27%

9/5/17Bonum Bank Plc65,990,376.312,421,194,288.8831,720,253.840.000.00-0.0005556 %0.00-8,634.9665,990,376.31-0.0011111 %-733.23-9,632.24-18,267.20-0.4000 %-0.27%

9/6/17Bonum Bank Plc56,974,127.372,478,168,416.2531,720,253.840.000.00-0.0005556 %0.00-8,634.9656,974,127.37-0.0011111 %-633.05-10,265.29-18,900.25-0.4000 %-0.27%

9/7/17Bonum Bank Plc64,961,732.152,543,130,148.4031,720,253.840.000.00-0.0005556 %0.00-8,634.9664,961,732.15-0.0011111 %-721.80-10,987.09-19,622.04-0.4000 %-0.28%

9/8/17Bonum Bank Plc54,106,288.982,597,236,437.3831,720,253.840.000.00-0.0005556 %0.00-8,634.9654,106,288.98-0.0011111 %-601.18-11,588.27-20,223.22-0.4000 %-0.28%

9/9/17Bonum Bank Plc54,106,288.982,651,342,726.3631,720,253.840.000.00-0.0005556 %0.00-8,634.9654,106,288.98-0.0011111 %-601.18-12,189.45-20,824.41-0.4000 %-0.28%

9/10/17Bonum Bank Plc54,106,288.982,705,449,015.3431,720,253.840.000.00-0.0005556 %0.00-8,634.9654,106,288.98-0.0011111 %-601.18-12,790.63-21,425.59-0.4000 %-0.29%

9/11/17Bonum Bank Plc54,088,712.562,759,537,727.9031,720,253.840.000.00-0.0005556 %0.00-8,634.9654,088,712.56-0.0011111 %-600.99-13,391.61-22,026.57-0.4000 %-0.29%

9/12/17Bonum Bank Plc51,754,003.122,811,291,731.0231,720,253.840.000.00-0.0005556 %0.00-8,634.9651,754,003.12-0.0011111 %-575.04-13,966.66-22,601.62-0.4000 %-0.29%

468,812,398.091,554,292,438.16-1085480040.07-13,966.66

-0.40%0.00%

-0.09%Tililtä aidosti veloitettu korko:13,966.66

Laskelma

Pitoperiodi: 26.7. - 12.9.2017980,000,000-0.20%-0.40%

PäivämääräRaportoijaTARGET2-tilin saldoKumulatiivinen saldoVähimmäisvarantovelvoite per päiväTarvittava varantoVähimmäisvarantoKorko%Päiväkohtainen kertyvä korkoKertyvä korkoMuu likviditeettiKorko%Päiväkohtainen kertyvä korkoKertyvä korkoKorko yhteensäKeskikorkoPainotettu korko

7/26/17Pankki A40,000,000.0040,000,000.0020,000,000.00-940,000,000.0040,000,000.00-0.00056 %-222.22-222.220.00-0.00111 %0.000.00-222.22-0.2000 %-0.20%

7/27/17Pankki A30,000,000.0070,000,000.0020,000,000.00-910,000,000.0030,000,000.00-0.00056 %-166.67-388.890.00-0.00111 %0.000.00-388.89-0.2000 %-0.20%

7/28/17Pankki A40,000,000.00110,000,000.0020,000,000.00-870,000,000.0040,000,000.00-0.00056 %-222.22-611.110.00-0.00111 %0.000.00-611.11-0.2000 %-0.20%

7/29/17Pankki A40,000,000.00150,000,000.0020,000,000.00-830,000,000.0040,000,000.00-0.00056 %-222.22-833.330.00-0.00111 %0.000.00-833.33-0.2000 %-0.20%

7/30/17Pankki A40,000,000.00190,000,000.0020,000,000.00-790,000,000.0040,000,000.00-0.00056 %-222.22-1,055.560.00-0.00111 %0.000.00-1,055.56-0.2000 %-0.20%

7/31/17Pankki A40,000,000.00230,000,000.0020,000,000.00-750,000,000.0040,000,000.00-0.00056 %-222.22-1,277.780.00-0.00111 %0.000.00-1,277.78-0.2000 %-0.20%

8/1/17Pankki A40,000,000.00270,000,000.0020,000,000.00-710,000,000.0040,000,000.00-0.00056 %-222.22-1,500.000.00-0.00111 %0.000.00-1,500.00-0.2000 %-0.20%

8/2/17Pankki A40,000,000.00310,000,000.0020,000,000.00-670,000,000.0040,000,000.00-0.00056 %-222.22-1,722.220.00-0.00111 %0.000.00-1,722.22-0.2000 %-0.20%

8/3/17Pankki A30,000,000.00340,000,000.0020,000,000.00-640,000,000.0030,000,000.00-0.00056 %-166.67-1,888.890.00-0.00111 %0.000.00-1,888.89-0.2000 %-0.20%

8/4/17Pankki A40,000,000.00380,000,000.0020,000,000.00-600,000,000.0040,000,000.00-0.00056 %-222.22-2,111.110.00-0.00111 %0.000.00-2,111.11-0.2000 %-0.20%

8/5/17Pankki A40,000,000.00420,000,000.0020,000,000.00-560,000,000.0040,000,000.00-0.00056 %-222.22-2,333.330.00-0.00111 %0.000.00-2,333.33-0.2000 %-0.20%

8/6/17Pankki A10,000,000.00430,000,000.0020,000,000.00-550,000,000.0010,000,000.00-0.00056 %-55.56-2,388.890.00-0.00111 %0.000.00-2,388.89-0.2000 %-0.20%

8/7/17Pankki A40,000,000.00470,000,000.0020,000,000.00-510,000,000.0040,000,000.00-0.00056 %-222.22-2,611.110.00-0.00111 %0.000.00-2,611.11-0.2000 %-0.20%

8/8/17Pankki A40,000,000.00510,000,000.0020,000,000.00-470,000,000.0040,000,000.00-0.00056 %-222.22-2,833.330.00-0.00111 %0.000.00-2,833.33-0.2000 %-0.20%

8/9/17Pankki A40,000,000.00550,000,000.0020,000,000.00-430,000,000.0040,000,000.00-0.00056 %-222.22-3,055.560.00-0.00111 %0.000.00-3,055.56-0.2000 %-0.20%

8/10/17Pankki A40,000,000.00590,000,000.0020,000,000.00-390,000,000.0040,000,000.00-0.00056 %-222.22-3,277.780.00-0.00111 %0.000.00-3,277.78-0.2000 %-0.20%

8/11/17Pankki A40,000,000.00630,000,000.0020,000,000.00-350,000,000.0040,000,000.00-0.00056 %-222.22-3,500.000.00-0.00111 %0.000.00-3,500.00-0.2000 %-0.20%

8/12/17Pankki A40,000,000.00670,000,000.0020,000,000.00-310,000,000.0040,000,000.00-0.00056 %-222.22-3,722.220.00-0.00111 %0.000.00-3,722.22-0.2000 %-0.20%

8/13/17Pankki A40,000,000.00710,000,000.0020,000,000.00-270,000,000.0040,000,000.00-0.00056 %-222.22-3,944.440.00-0.00111 %0.000.00-3,944.44-0.2000 %-0.20%

8/14/17Pankki A40,000,000.00750,000,000.0020,000,000.00-230,000,000.0040,000,000.00-0.00056 %-222.22-4,166.670.00-0.00111 %0.000.00-4,166.67-0.2000 %-0.20%

8/15/17Pankki A40,000,000.00790,000,000.0020,000,000.00-190,000,000.0040,000,000.00-0.00056 %-222.22-4,388.890.00-0.00111 %0.000.00-4,388.89-0.2000 %-0.20%

8/16/17Pankki A40,000,000.00830,000,000.0020,000,000.00-150,000,000.0040,000,000.00-0.00056 %-222.22-4,611.110.00-0.00111 %0.000.00-4,611.11-0.2000 %-0.20%

8/17/17Pankki A40,000,000.00870,000,000.0020,000,000.00-110,000,000.0040,000,000.00-0.00056 %-222.22-4,833.330.00-0.00111 %0.000.00-4,833.33-0.2000 %-0.20%

8/18/17Pankki A40,000,000.00910,000,000.0020,000,000.00-70,000,000.0040,000,000.00-0.00056 %-222.22-5,055.560.00-0.00111 %0.000.00-5,055.56-0.2000 %-0.20%

8/19/17Pankki A40,000,000.00950,000,000.0020,000,000.00-30,000,000.0040,000,000.00-0.00056 %-222.22-5,277.780.00-0.00111 %0.000.00-5,277.78-0.2000 %-0.20%

8/20/17Pankki A40,000,000.00990,000,000.0020,000,000.000.0030,000,000.00-0.00056 %-166.67-5,444.4410,000,000.00-0.00111 %-111.11-111.11-5,555.56-0.2500 %-0.20%

8/21/17Pankki A40,000,000.001,030,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-555.56-6,000.00-0.4000 %-0.21%

8/22/17Pankki A40,000,000.001,070,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,000.00-6,444.44-0.4000 %-0.22%

8/23/17Pankki A40,000,000.001,110,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,444.44-6,888.89-0.4000 %-0.22%

8/24/17Pankki A40,000,000.001,150,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,888.89-7,333.33-0.4000 %-0.23%

8/25/17Pankki A40,000,000.001,190,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-2,333.33-7,777.78-0.4000 %-0.24%

8/26/17Pankki A10,000,000.001,200,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4410,000,000.00-0.00111 %-111.11-2,444.44-7,888.89-0.4000 %-0.24%

8/27/17Pankki A10,000,000.001,210,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4410,000,000.00-0.00111 %-111.11-2,555.56-8,000.00-0.4000 %-0.24%

8/28/17Pankki A40,000,000.001,250,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,000.00-8,444.44-0.4000 %-0.24%

8/29/17Pankki A40,000,000.001,290,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,444.44-8,888.89-0.4000 %-0.25%

8/30/17Pankki A40,000,000.001,330,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,888.89-9,333.33-0.4000 %-0.25%

8/31/17Pankki A40,000,000.001,370,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-4,333.33-9,777.78-0.4000 %-0.26%

9/1/17Pankki A40,000,000.001,410,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-4,777.78-10,222.22-0.4000 %-0.26%

9/2/17Pankki A40,000,000.001,450,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-5,222.22-10,666.67-0.4000 %-0.26%

9/3/17Pankki A40,000,000.001,490,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-5,666.67-11,111.11-0.4000 %-0.27%

9/4/17Pankki A40,000,000.001,530,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-6,111.11-11,555.56-0.4000 %-0.27%

9/5/17Pankki A30,000,000.001,560,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4430,000,000.00-0.00111 %-333.33-6,444.44-11,888.89-0.4000 %-0.27%

9/6/17Pankki A40,000,000.001,600,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-6,888.89-12,333.33-0.4000 %-0.28%

9/7/17Pankki A40,000,000.001,640,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-7,333.33-12,777.78-0.4000 %-0.28%

9/8/17Pankki A40,000,000.001,680,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-7,777.78-13,222.22-0.4000 %-0.28%

9/9/17Pankki A40,000,000.001,720,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-8,222.22-13,666.67-0.4000 %-0.29%

9/10/17Pankki A40,000,000.001,760,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-8,666.67-14,111.11-0.4000 %-0.29%

9/11/17Pankki A40,000,000.001,800,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-9,111.11-14,555.56-0.4000 %-0.29%

9/12/17Pankki A40,000,000.001,840,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-9,555.56-15,000.00-0.4000 %-0.29%

390,000,000.00980,000,000.00-9,555.56

-0.40%

-0.11%

Infoon

Maintenance period: 26.7. - 12.9.2017980,000,000-0.20%-0.40%

DateReporterTARGET2 account balanceKumulatiivinen saldoVähimmäisvarantovelvoite per päiväRequired reserveMinimum reserveInterest rate%Päiväkohtainen kertyvä korkoAccruing interestOther liquidityInterest rate%Päiväkohtainen kertyvä korkoAccruing interestInterest, totalKeskikorkoPainotettu korko

7/26/17Bank A40,000,000.0040,000,000.0020,000,000.00-940,000,000.0040,000,000.00-0.00056 %-222.22-222.220.00-0.00111 %0.000.00-222.22-0.2000 %-0.20%

7/27/17Bank A30,000,000.0070,000,000.0020,000,000.00-910,000,000.0030,000,000.00-0.00056 %-166.67-388.890.00-0.00111 %0.000.00-388.89-0.2000 %-0.20%

7/28/17Bank A40,000,000.00110,000,000.0020,000,000.00-870,000,000.0040,000,000.00-0.00056 %-222.22-611.110.00-0.00111 %0.000.00-611.11-0.2000 %-0.20%

7/29/17Bank A40,000,000.00150,000,000.0020,000,000.00-830,000,000.0040,000,000.00-0.00056 %-222.22-833.330.00-0.00111 %0.000.00-833.33-0.2000 %-0.20%

7/30/17Bank A40,000,000.00190,000,000.0020,000,000.00-790,000,000.0040,000,000.00-0.00056 %-222.22-1,055.560.00-0.00111 %0.000.00-1,055.56-0.2000 %-0.20%

7/31/17Bank A40,000,000.00230,000,000.0020,000,000.00-750,000,000.0040,000,000.00-0.00056 %-222.22-1,277.780.00-0.00111 %0.000.00-1,277.78-0.2000 %-0.20%

8/1/17Bank A40,000,000.00270,000,000.0020,000,000.00-710,000,000.0040,000,000.00-0.00056 %-222.22-1,500.000.00-0.00111 %0.000.00-1,500.00-0.2000 %-0.20%

8/2/17Bank A40,000,000.00310,000,000.0020,000,000.00-670,000,000.0040,000,000.00-0.00056 %-222.22-1,722.220.00-0.00111 %0.000.00-1,722.22-0.2000 %-0.20%

8/3/17Pankki A30,000,000.00340,000,000.0020,000,000.00-640,000,000.0030,000,000.00-0.00056 %-166.67-1,888.890.00-0.00111 %0.000.00-1,888.89-0.2000 %-0.20%

8/4/17Pankki A40,000,000.00380,000,000.0020,000,000.00-600,000,000.0040,000,000.00-0.00056 %-222.22-2,111.110.00-0.00111 %0.000.00-2,111.11-0.2000 %-0.20%

8/5/17Pankki A40,000,000.00420,000,000.0020,000,000.00-560,000,000.0040,000,000.00-0.00056 %-222.22-2,333.330.00-0.00111 %0.000.00-2,333.33-0.2000 %-0.20%

8/6/17Pankki A10,000,000.00430,000,000.0020,000,000.00-550,000,000.0010,000,000.00-0.00056 %-55.56-2,388.890.00-0.00111 %0.000.00-2,388.89-0.2000 %-0.20%

8/7/17Pankki A40,000,000.00470,000,000.0020,000,000.00-510,000,000.0040,000,000.00-0.00056 %-222.22-2,611.110.00-0.00111 %0.000.00-2,611.11-0.2000 %-0.20%

8/8/17Pankki A40,000,000.00510,000,000.0020,000,000.00-470,000,000.0040,000,000.00-0.00056 %-222.22-2,833.330.00-0.00111 %0.000.00-2,833.33-0.2000 %-0.20%

8/9/17Pankki A40,000,000.00550,000,000.0020,000,000.00-430,000,000.0040,000,000.00-0.00056 %-222.22-3,055.560.00-0.00111 %0.000.00-3,055.56-0.2000 %-0.20%

8/10/17Pankki A40,000,000.00590,000,000.0020,000,000.00-390,000,000.0040,000,000.00-0.00056 %-222.22-3,277.780.00-0.00111 %0.000.00-3,277.78-0.2000 %-0.20%

8/11/17Pankki A40,000,000.00630,000,000.0020,000,000.00-350,000,000.0040,000,000.00-0.00056 %-222.22-3,500.000.00-0.00111 %0.000.00-3,500.00-0.2000 %-0.20%

8/12/17Pankki A40,000,000.00670,000,000.0020,000,000.00-310,000,000.0040,000,000.00-0.00056 %-222.22-3,722.220.00-0.00111 %0.000.00-3,722.22-0.2000 %-0.20%

8/13/17Pankki A40,000,000.00710,000,000.0020,000,000.00-270,000,000.0040,000,000.00-0.00056 %-222.22-3,944.440.00-0.00111 %0.000.00-3,944.44-0.2000 %-0.20%

8/14/17Pankki A40,000,000.00750,000,000.0020,000,000.00-230,000,000.0040,000,000.00-0.00056 %-222.22-4,166.670.00-0.00111 %0.000.00-4,166.67-0.2000 %-0.20%

8/15/17Pankki A40,000,000.00790,000,000.0020,000,000.00-190,000,000.0040,000,000.00-0.00056 %-222.22-4,388.890.00-0.00111 %0.000.00-4,388.89-0.2000 %-0.20%

8/16/17Pankki A40,000,000.00830,000,000.0020,000,000.00-150,000,000.0040,000,000.00-0.00056 %-222.22-4,611.110.00-0.00111 %0.000.00-4,611.11-0.2000 %-0.20%

8/17/17Pankki A40,000,000.00870,000,000.0020,000,000.00-110,000,000.0040,000,000.00-0.00056 %-222.22-4,833.330.00-0.00111 %0.000.00-4,833.33-0.2000 %-0.20%

8/18/17Bank A40,000,000.00910,000,000.0020,000,000.00-70,000,000.0040,000,000.00-0.00056 %-222.22-5,055.560.00-0.00111 %0.000.00-5,055.56-0.2000 %-0.20%

8/19/17Bank A40,000,000.00950,000,000.0020,000,000.00-30,000,000.0040,000,000.00-0.00056 %-222.22-5,277.780.00-0.00111 %0.000.00-5,277.78-0.2000 %-0.20%

8/20/17Bank A40,000,000.00990,000,000.0020,000,000.000.0030,000,000.00-0.00056 %-166.67-5,444.4410,000,000.00-0.00111 %-111.11-111.11-5,555.56-0.2500 %-0.20%

8/21/17Bank A40,000,000.001,030,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-555.56-6,000.00-0.4000 %-0.21%

8/22/17Bank A40,000,000.001,070,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,000.00-6,444.44-0.4000 %-0.22%

8/23/17Bank A40,000,000.001,110,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,444.44-6,888.89-0.4000 %-0.22%

8/24/17Bank A40,000,000.001,150,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,888.89-7,333.33-0.4000 %-0.23%

8/25/17Bank A40,000,000.001,190,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-2,333.33-7,777.78-0.4000 %-0.24%

8/26/17Pankki A10,000,000.001,200,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4410,000,000.00-0.00111 %-111.11-2,444.44-7,888.89-0.4000 %-0.24%

8/27/17Pankki A10,000,000.001,210,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4410,000,000.00-0.00111 %-111.11-2,555.56-8,000.00-0.4000 %-0.24%

8/28/17Pankki A40,000,000.001,250,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,000.00-8,444.44-0.4000 %-0.24%

8/29/17Bank A40,000,000.001,290,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,444.44-8,888.89-0.4000 %-0.25%

8/30/17Bank A40,000,000.001,330,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,888.89-9,333.33-0.4000 %-0.25%

8/31/17Bank A40,000,000.001,370,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-4,333.33-9,777.78-0.4000 %-0.26%

9/1/17Bank A40,000,000.001,410,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-4,777.78-10,222.22-0.4000 %-0.26%

9/2/17Bank A40,000,000.001,450,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-5,222.22-10,666.67-0.4000 %-0.26%

9/3/17Bank A40,000,000.001,490,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-5,666.67-11,111.11-0.4000 %-0.27%

9/4/17Bank A40,000,000.001,530,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-6,111.11-11,555.56-0.4000 %-0.27%

9/5/17Pankki A30,000,000.001,560,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4430,000,000.00-0.00111 %-333.33-6,444.44-11,888.89-0.4000 %-0.27%

9/6/17Pankki A40,000,000.001,600,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-6,888.89-12,333.33-0.4000 %-0.28%

9/7/17Pankki A40,000,000.001,640,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-7,333.33-12,777.78-0.4000 %-0.28%

9/8/17Pankki A40,000,000.001,680,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-7,777.78-13,222.22-0.4000 %-0.28%

9/9/17Pankki A40,000,000.001,720,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-8,222.22-13,666.67-0.4000 %-0.29%

9/10/17Pankki A40,000,000.001,760,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-8,666.67-14,111.11-0.4000 %-0.29%

9/11/17Bank A40,000,000.001,800,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-9,111.11-14,555.56-0.4000 %-0.29%

9/12/17Bank A40,000,000.001,840,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-9,555.56-15,000.00-0.4000 %-0.29%

390,000,000.00980,000,000.00-9,555.56

-0.40%

-0.11%

Raportointi

VAIHTOEHTO 1VAIHTOEHTO 2

Varantovelvoitetta ei vielä täytetty:Varantovelvoitetta ei vielä täytetty:

7/31/17VaadeSektoriNimellisarvoSovittu vuosikorkoSiirtyvät korot7/31/17VaadeSektoriNimellisarvoSovittu vuosikorkoSiirtyvät korot

Vähimmäisvarantotalletus4312140,000,000.00-0.20-1,277.78TARGET2-tilin saldo4312140,000,000.00-0.20-1,277.78

Muu likviditeetti431210.00-0.400

40,000,000.00-0.20-1,277.78Päivä, jolloin varantovelvoite täyttyy

Päivä, jolloin varantovelvoite täyttyy8/20/17VaadeSektoriNimellisarvoSovittu vuosikorkoSiirtyvät korot

8/20/17VaadeSektoriNimellisarvoSovittu vuosikorkoSiirtyvät korotTARGET2-tilin saldo4312140,000,000.00-0.25-5,555.56

Vähimmäisvarantotalletus4312130,000,000.00-0.20-5,444.44Korko% laskettu painotettuna keskiarvona käyttäen nimellisarvoja painoina.

Muu likviditeetti4312110,000,000.00-0.40-111.11

40,000,000.00-0.25-5,555.56Varantovelvoite jo täytetty:

Varantovelvoite jo täytetty:8/31/17VaadeSektoriNimellisarvoSovittu vuosikorkoSiirtyvät korot

8/31/17VaadeSektoriNimellisarvoSovittu vuosikorkoSiirtyvät korotTARGET2-tilin saldo4312140,000,000.00-0.40-9,777.78

Vähimmäisvarantotalletus431210.00-0.20-5,444.44

Muu likviditeetti4312140,000,000.00-0.40-4,333.33

40,000,000.000.40-9,777.78Järjestelmä laskee näin.



Option 1: Reporting on separate rows– In the example, a non-zero interest rate is used for the minimum

reserve for the sake of illustration


Laskelma1

Pitoperiodi: 26.7. - 12.9.20171,554,292,438.16-0.20%-0.40%

DateParticipant nameEnd of day balanceKumulatiivinen saldoDaily minimum reserveTarvittava varantoVähimmäisvarantoKorkoKertyvä KorkoKumulatiivinenMuu likviditeettiKorkoKertyvä korkoKumulatiivinenKorko yhteensäPainotettu korkoPainotettu korko

7/26/17Bonum Bank Plc46,784,939.0846,784,939.0831,720,253.84-1,507,507,499.0846,784,939.08-0.0005556 %-259.92-259.920.00-0.0011111 %0.000.00-259.92-0.2000 %-0.20%

7/27/17Bonum Bank Plc45,829,130.6292,614,069.7031,720,253.84-1,461,678,368.4645,829,130.62-0.0005556 %-254.61-514.520.00-0.0011111 %0.000.00-514.52-0.2000 %-0.20%

7/28/17Bonum Bank Plc72,052,520.22164,666,589.9231,720,253.84-1,389,625,848.2472,052,520.22-0.0005556 %-400.29-914.810.00-0.0011111 %0.000.00-914.81-0.2000 %-0.20%

7/29/17Bonum Bank Plc72,052,520.22236,719,110.1431,720,253.84-1,317,573,328.0272,052,520.22-0.0005556 %-400.29-1,315.110.00-0.0011111 %0.000.00-1,315.11-0.2000 %-0.20%

7/30/17Bonum Bank Plc72,052,520.22308,771,630.3631,720,253.84-1,245,520,807.8072,052,520.22-0.0005556 %-400.29-1,715.400.00-0.0011111 %0.000.00-1,715.40-0.2000 %-0.20%

7/31/17Bonum Bank Plc76,130,177.06384,901,807.4231,720,253.84-1,169,390,630.7476,130,177.06-0.0005556 %-422.95-2,138.340.00-0.0011111 %0.000.00-2,138.34-0.2000 %-0.20%

8/1/17Bonum Bank Plc89,623,418.73474,525,226.1531,720,253.84-1,079,767,212.0189,623,418.73-0.0005556 %-497.91-2,636.250.00-0.0011111 %0.000.00-2,636.25-0.2000 %-0.20%

8/2/17Bonum Bank Plc84,388,689.87558,913,916.0231,720,253.84-995,378,522.1484,388,689.87-0.0005556 %-468.83-3,105.080.00-0.0011111 %0.000.00-3,105.08-0.2000 %-0.20%

8/3/17Bonum Bank Plc90,330,029.07649,243,945.0931,720,253.84-905,048,493.0790,330,029.07-0.0005556 %-501.83-3,606.910.00-0.0011111 %0.000.00-3,606.91-0.2000 %-0.20%

8/4/17Bonum Bank Plc80,432,721.10729,676,666.1931,720,253.84-824,615,771.9780,432,721.10-0.0005556 %-446.85-4,053.760.00-0.0011111 %0.000.00-4,053.76-0.2000 %-0.20%

8/5/17Bonum Bank Plc80,432,721.10810,109,387.2931,720,253.84-744,183,050.8780,432,721.10-0.0005556 %-446.85-4,500.610.00-0.0011111 %0.000.00-4,500.61-0.2000 %-0.20%

8/6/17Bonum Bank Plc80,432,721.10890,542,108.3931,720,253.84-663,750,329.7780,432,721.10-0.0005556 %-446.85-4,947.460.00-0.0011111 %0.000.00-4,947.46-0.2000 %-0.20%

8/7/17Bonum Bank Plc84,039,187.41974,581,295.8031,720,253.84-579,711,142.3684,039,187.41-0.0005556 %-466.88-5,414.340.00-0.0011111 %0.000.00-5,414.34-0.2000 %-0.20%

8/8/17Bonum Bank Plc71,182,335.751,045,763,631.5531,720,253.84-508,528,806.6171,182,335.75-0.0005556 %-395.46-5,809.800.00-0.0011111 %0.000.00-5,809.80-0.2000 %-0.20%

8/9/17Bonum Bank Plc57,137,215.181,102,900,846.7331,720,253.84-451,391,591.4357,137,215.18-0.0005556 %-317.43-6,127.230.00-0.0011111 %0.000.00-6,127.23-0.2000 %-0.20%

8/10/17Bonum Bank Plc57,437,887.161,160,338,733.8931,720,253.84-393,953,704.2757,437,887.16-0.0005556 %-319.10-6,446.330.00-0.0011111 %0.000.00-6,446.33-0.2000 %-0.20%

8/11/17Bonum Bank Plc66,651,341.901,226,990,075.7931,720,253.84-327,302,362.3766,651,341.90-0.0005556 %-370.29-6,816.610.00-0.0011111 %0.000.00-6,816.61-0.2000 %-0.20%

8/12/17Bonum Bank Plc66,651,341.901,293,641,417.6931,720,253.84-260,651,020.4766,651,341.90-0.0005556 %-370.29-7,186.900.00-0.0011111 %0.000.00-7,186.90-0.2000 %-0.20%

8/13/17Bonum Bank Plc66,651,341.901,360,292,759.5931,720,253.84-193,999,678.5766,651,341.90-0.0005556 %-370.29-7,557.180.00-0.0011111 %0.000.00-7,557.18-0.2000 %-0.20%

8/14/17Bonum Bank Plc61,943,567.111,422,236,326.7031,720,253.84-132,056,111.4661,943,567.11-0.0005556 %-344.13-7,901.310.00-0.0011111 %0.000.00-7,901.31-0.2000 %-0.20%

8/15/17Bonum Bank Plc50,903,841.511,473,140,168.2131,720,253.84-81,152,269.9550,903,841.51-0.0005556 %-282.80-8,184.110.00-0.0011111 %0.000.00-8,184.11-0.2000 %-0.20%

8/16/17Bonum Bank Plc43,890,708.321,517,030,876.5331,720,253.84-37,261,561.6343,890,708.32-0.0005556 %-243.84-8,427.950.00-0.0011111 %0.000.00-8,427.95-0.2000 %-0.20%

8/17/17Bonum Bank Plc33,865,795.121,550,896,671.6531,720,253.84-3,395,766.5133,865,795.12-0.0005556 %-188.14-8,616.090.00-0.0011111 %0.000.00-8,616.09-0.2000 %-0.20%

8/18/17Bonum Bank Plc44,339,545.601,595,236,217.2531,720,253.840.003,395,766.51-0.0005556 %-18.87-8,634.9640,943,779.09-0.0011111 %-454.93-454.93-9,089.89-0.3847 %-0.21%

8/19/17Bonum Bank Plc44,339,545.601,639,575,762.8531,720,253.840.000.00-0.0005556 %0.00-8,634.9644,339,545.60-0.0011111 %-492.66-947.59-9,582.55-0.4000 %-0.21%

8/20/17Bonum Bank Plc44,339,545.601,683,915,308.4531,720,253.840.000.00-0.0005556 %0.00-8,634.9644,339,545.60-0.0011111 %-492.66-1,440.25-10,075.21-0.4000 %-0.22%

8/21/17Bonum Bank Plc34,103,596.501,718,018,904.9531,720,253.840.000.00-0.0005556 %0.00-8,634.9634,103,596.50-0.0011111 %-378.93-1,819.18-10,454.14-0.4000 %-0.22%

8/22/17Bonum Bank Plc18,790,657.231,736,809,562.1831,720,253.840.000.00-0.0005556 %0.00-8,634.9618,790,657.23-0.0011111 %-208.79-2,027.97-10,662.93-0.4000 %-0.22%

8/23/17Bonum Bank Plc16,943,492.021,753,753,054.2031,720,253.840.000.00-0.0005556 %0.00-8,634.9616,943,492.02-0.0011111 %-188.26-2,216.23-10,851.19-0.4000 %-0.22%

8/24/17Bonum Bank Plc19,031,190.271,772,784,244.4731,720,253.840.000.00-0.0005556 %0.00-8,634.9619,031,190.27-0.0011111 %-211.46-2,427.69-11,062.64-0.4000 %-0.22%

8/25/17Bonum Bank Plc24,557,761.251,797,342,005.7231,720,253.840.000.00-0.0005556 %0.00-8,634.9624,557,761.25-0.0011111 %-272.86-2,700.55-11,335.51-0.4000 %-0.23%

8/26/17Bonum Bank Plc24,557,761.251,821,899,766.9731,720,253.840.000.00-0.0005556 %0.00-8,634.9624,557,761.25-0.0011111 %-272.86-2,973.41-11,608.37-0.4000 %-0.23%

8/27/17Bonum Bank Plc24,557,761.251,846,457,528.2231,720,253.840.000.00-0.0005556 %0.00-8,634.9624,557,761.25-0.0011111 %-272.86-3,246.28-11,881.24-0.4000 %-0.23%

8/28/17Bonum Bank Plc44,989,012.761,891,446,540.9831,720,253.840.000.00-0.0005556 %0.00-8,634.9644,989,012.76-0.0011111 %-499.88-3,746.16-12,381.11-0.4000 %-0.24%

8/29/17Bonum Bank Plc44,249,549.791,935,696,090.7731,720,253.840.000.00-0.0005556 %0.00-8,634.9644,249,549.79-0.0011111 %-491.66-4,237.82-12,872.78-0.4000 %-0.24%

8/30/17Bonum Bank Plc41,527,457.811,977,223,548.5831,720,253.840.000.00-0.0005556 %0.00-8,634.9641,527,457.81-0.0011111 %-461.42-4,699.23-13,334.19-0.4000 %-0.24%

8/31/17Bonum Bank Plc45,881,287.672,023,104,836.2531,720,253.840.000.00-0.0005556 %0.00-8,634.9645,881,287.67-0.0011111 %-509.79-5,209.03-13,843.98-0.4000 %-0.25%

9/1/17Bonum Bank Plc83,166,794.022,106,271,630.2731,720,253.840.000.00-0.0005556 %0.00-8,634.9683,166,794.02-0.0011111 %-924.08-6,133.10-14,768.06-0.4000 %-0.25%

9/2/17Bonum Bank Plc83,166,794.022,189,438,424.2931,720,253.840.000.00-0.0005556 %0.00-8,634.9683,166,794.02-0.0011111 %-924.08-7,057.18-15,692.14-0.4000 %-0.26%

9/3/17Bonum Bank Plc83,166,794.022,272,605,218.3131,720,253.840.000.00-0.0005556 %0.00-8,634.9683,166,794.02-0.0011111 %-924.08-7,981.25-16,616.21-0.4000 %-0.26%

9/4/17Bonum Bank Plc82,598,694.262,355,203,912.5731,720,253.840.000.00-0.0005556 %0.00-8,634.9682,598,694.26-0.0011111 %-917.76-8,899.02-17,533.97-0.4000 %-0.27%

9/5/17Bonum Bank Plc65,990,376.312,421,194,288.8831,720,253.840.000.00-0.0005556 %0.00-8,634.9665,990,376.31-0.0011111 %-733.23-9,632.24-18,267.20-0.4000 %-0.27%

9/6/17Bonum Bank Plc56,974,127.372,478,168,416.2531,720,253.840.000.00-0.0005556 %0.00-8,634.9656,974,127.37-0.0011111 %-633.05-10,265.29-18,900.25-0.4000 %-0.27%

9/7/17Bonum Bank Plc64,961,732.152,543,130,148.4031,720,253.840.000.00-0.0005556 %0.00-8,634.9664,961,732.15-0.0011111 %-721.80-10,987.09-19,622.04-0.4000 %-0.28%

9/8/17Bonum Bank Plc54,106,288.982,597,236,437.3831,720,253.840.000.00-0.0005556 %0.00-8,634.9654,106,288.98-0.0011111 %-601.18-11,588.27-20,223.22-0.4000 %-0.28%

9/9/17Bonum Bank Plc54,106,288.982,651,342,726.3631,720,253.840.000.00-0.0005556 %0.00-8,634.9654,106,288.98-0.0011111 %-601.18-12,189.45-20,824.41-0.4000 %-0.28%

9/10/17Bonum Bank Plc54,106,288.982,705,449,015.3431,720,253.840.000.00-0.0005556 %0.00-8,634.9654,106,288.98-0.0011111 %-601.18-12,790.63-21,425.59-0.4000 %-0.29%

9/11/17Bonum Bank Plc54,088,712.562,759,537,727.9031,720,253.840.000.00-0.0005556 %0.00-8,634.9654,088,712.56-0.0011111 %-600.99-13,391.61-22,026.57-0.4000 %-0.29%

9/12/17Bonum Bank Plc51,754,003.122,811,291,731.0231,720,253.840.000.00-0.0005556 %0.00-8,634.9651,754,003.12-0.0011111 %-575.04-13,966.66-22,601.62-0.4000 %-0.29%

468,812,398.091,554,292,438.16-1085480040.07-13,966.66

-0.40%0.00%

-0.09%Tililtä aidosti veloitettu korko:13,966.66

Laskelma

Pitoperiodi: 26.7. - 12.9.2017980,000,000-0.20%-0.40%

PäivämääräRaportoijaTARGET2-tilin saldoKumulatiivinen saldoVähimmäisvarantovelvoite per päiväTarvittava varantoVähimmäisvarantoKorko%Päiväkohtainen kertyvä korkoKertyvä korkoMuu likviditeettiKorko%Päiväkohtainen kertyvä korkoKertyvä korkoKorko yhteensäKeskikorkoPainotettu korko

7/26/17Pankki A40,000,000.0040,000,000.0020,000,000.00-940,000,000.0040,000,000.00-0.00056 %-222.22-222.220.00-0.00111 %0.000.00-222.22-0.2000 %-0.20%

7/27/17Pankki A30,000,000.0070,000,000.0020,000,000.00-910,000,000.0030,000,000.00-0.00056 %-166.67-388.890.00-0.00111 %0.000.00-388.89-0.2000 %-0.20%

7/28/17Pankki A40,000,000.00110,000,000.0020,000,000.00-870,000,000.0040,000,000.00-0.00056 %-222.22-611.110.00-0.00111 %0.000.00-611.11-0.2000 %-0.20%

7/29/17Pankki A40,000,000.00150,000,000.0020,000,000.00-830,000,000.0040,000,000.00-0.00056 %-222.22-833.330.00-0.00111 %0.000.00-833.33-0.2000 %-0.20%

7/30/17Pankki A40,000,000.00190,000,000.0020,000,000.00-790,000,000.0040,000,000.00-0.00056 %-222.22-1,055.560.00-0.00111 %0.000.00-1,055.56-0.2000 %-0.20%

7/31/17Pankki A40,000,000.00230,000,000.0020,000,000.00-750,000,000.0040,000,000.00-0.00056 %-222.22-1,277.780.00-0.00111 %0.000.00-1,277.78-0.2000 %-0.20%

8/1/17Pankki A40,000,000.00270,000,000.0020,000,000.00-710,000,000.0040,000,000.00-0.00056 %-222.22-1,500.000.00-0.00111 %0.000.00-1,500.00-0.2000 %-0.20%

8/2/17Pankki A40,000,000.00310,000,000.0020,000,000.00-670,000,000.0040,000,000.00-0.00056 %-222.22-1,722.220.00-0.00111 %0.000.00-1,722.22-0.2000 %-0.20%

8/3/17Pankki A30,000,000.00340,000,000.0020,000,000.00-640,000,000.0030,000,000.00-0.00056 %-166.67-1,888.890.00-0.00111 %0.000.00-1,888.89-0.2000 %-0.20%

8/4/17Pankki A40,000,000.00380,000,000.0020,000,000.00-600,000,000.0040,000,000.00-0.00056 %-222.22-2,111.110.00-0.00111 %0.000.00-2,111.11-0.2000 %-0.20%

8/5/17Pankki A40,000,000.00420,000,000.0020,000,000.00-560,000,000.0040,000,000.00-0.00056 %-222.22-2,333.330.00-0.00111 %0.000.00-2,333.33-0.2000 %-0.20%

8/6/17Pankki A10,000,000.00430,000,000.0020,000,000.00-550,000,000.0010,000,000.00-0.00056 %-55.56-2,388.890.00-0.00111 %0.000.00-2,388.89-0.2000 %-0.20%

8/7/17Pankki A40,000,000.00470,000,000.0020,000,000.00-510,000,000.0040,000,000.00-0.00056 %-222.22-2,611.110.00-0.00111 %0.000.00-2,611.11-0.2000 %-0.20%

8/8/17Pankki A40,000,000.00510,000,000.0020,000,000.00-470,000,000.0040,000,000.00-0.00056 %-222.22-2,833.330.00-0.00111 %0.000.00-2,833.33-0.2000 %-0.20%

8/9/17Pankki A40,000,000.00550,000,000.0020,000,000.00-430,000,000.0040,000,000.00-0.00056 %-222.22-3,055.560.00-0.00111 %0.000.00-3,055.56-0.2000 %-0.20%

8/10/17Pankki A40,000,000.00590,000,000.0020,000,000.00-390,000,000.0040,000,000.00-0.00056 %-222.22-3,277.780.00-0.00111 %0.000.00-3,277.78-0.2000 %-0.20%

8/11/17Pankki A40,000,000.00630,000,000.0020,000,000.00-350,000,000.0040,000,000.00-0.00056 %-222.22-3,500.000.00-0.00111 %0.000.00-3,500.00-0.2000 %-0.20%

8/12/17Pankki A40,000,000.00670,000,000.0020,000,000.00-310,000,000.0040,000,000.00-0.00056 %-222.22-3,722.220.00-0.00111 %0.000.00-3,722.22-0.2000 %-0.20%

8/13/17Pankki A40,000,000.00710,000,000.0020,000,000.00-270,000,000.0040,000,000.00-0.00056 %-222.22-3,944.440.00-0.00111 %0.000.00-3,944.44-0.2000 %-0.20%

8/14/17Pankki A40,000,000.00750,000,000.0020,000,000.00-230,000,000.0040,000,000.00-0.00056 %-222.22-4,166.670.00-0.00111 %0.000.00-4,166.67-0.2000 %-0.20%

8/15/17Pankki A40,000,000.00790,000,000.0020,000,000.00-190,000,000.0040,000,000.00-0.00056 %-222.22-4,388.890.00-0.00111 %0.000.00-4,388.89-0.2000 %-0.20%

8/16/17Pankki A40,000,000.00830,000,000.0020,000,000.00-150,000,000.0040,000,000.00-0.00056 %-222.22-4,611.110.00-0.00111 %0.000.00-4,611.11-0.2000 %-0.20%

8/17/17Pankki A40,000,000.00870,000,000.0020,000,000.00-110,000,000.0040,000,000.00-0.00056 %-222.22-4,833.330.00-0.00111 %0.000.00-4,833.33-0.2000 %-0.20%

8/18/17Pankki A40,000,000.00910,000,000.0020,000,000.00-70,000,000.0040,000,000.00-0.00056 %-222.22-5,055.560.00-0.00111 %0.000.00-5,055.56-0.2000 %-0.20%

8/19/17Pankki A40,000,000.00950,000,000.0020,000,000.00-30,000,000.0040,000,000.00-0.00056 %-222.22-5,277.780.00-0.00111 %0.000.00-5,277.78-0.2000 %-0.20%

8/20/17Pankki A40,000,000.00990,000,000.0020,000,000.000.0030,000,000.00-0.00056 %-166.67-5,444.4410,000,000.00-0.00111 %-111.11-111.11-5,555.56-0.2500 %-0.20%

8/21/17Pankki A40,000,000.001,030,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-555.56-6,000.00-0.4000 %-0.21%

8/22/17Pankki A40,000,000.001,070,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,000.00-6,444.44-0.4000 %-0.22%

8/23/17Pankki A40,000,000.001,110,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,444.44-6,888.89-0.4000 %-0.22%

8/24/17Pankki A40,000,000.001,150,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-1,888.89-7,333.33-0.4000 %-0.23%

8/25/17Pankki A40,000,000.001,190,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-2,333.33-7,777.78-0.4000 %-0.24%

8/26/17Pankki A10,000,000.001,200,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4410,000,000.00-0.00111 %-111.11-2,444.44-7,888.89-0.4000 %-0.24%

8/27/17Pankki A10,000,000.001,210,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4410,000,000.00-0.00111 %-111.11-2,555.56-8,000.00-0.4000 %-0.24%

8/28/17Pankki A40,000,000.001,250,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,000.00-8,444.44-0.4000 %-0.24%

8/29/17Pankki A40,000,000.001,290,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,444.44-8,888.89-0.4000 %-0.25%

8/30/17Pankki A40,000,000.001,330,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-3,888.89-9,333.33-0.4000 %-0.25%

8/31/17Pankki A40,000,000.001,370,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-4,333.33-9,777.78-0.4000 %-0.26%

9/1/17Pankki A40,000,000.001,410,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-4,777.78-10,222.22-0.4000 %-0.26%

9/2/17Pankki A40,000,000.001,450,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-5,222.22-10,666.67-0.4000 %-0.26%

9/3/17Pankki A40,000,000.001,490,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-5,666.67-11,111.11-0.4000 %-0.27%

9/4/17Pankki A40,000,000.001,530,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-6,111.11-11,555.56-0.4000 %-0.27%

9/5/17Pankki A30,000,000.001,560,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4430,000,000.00-0.00111 %-333.33-6,444.44-11,888.89-0.4000 %-0.27%

9/6/17Pankki A40,000,000.001,600,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-6,888.89-12,333.33-0.4000 %-0.28%

9/7/17Pankki A40,000,000.001,640,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-7,333.33-12,777.78-0.4000 %-0.28%

9/8/17Pankki A40,000,000.001,680,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-7,777.78-13,222.22-0.4000 %-0.28%

9/9/17Pankki A40,000,000.001,720,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-8,222.22-13,666.67-0.4000 %-0.29%

9/10/17Pankki A40,000,000.001,760,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-8,666.67-14,111.11-0.4000 %-0.29%

9/11/17Pankki A40,000,000.001,800,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-9,111.11-14,555.56-0.4000 %-0.29%

9/12/17Pankki A40,000,000.001,840,000,000.0020,000,000.000.000.00-0.00056 %0.00-5,444.4440,000,000.00-0.00111 %-444.44-9,555.56-15,000.00-0.4000 %-0.29%

390,000,000.00980,000,000.00

RATI-info - Suomen Pankki€¦ · RATI-info 30 November 2017 30.11.2017 1 Statistics. Suomen Pankki...

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Transcript of RATI-info - Suomen Pankki€¦ · RATI-info 30 November 2017 30.11.2017 1 Statistics. Suomen Pankki...