natgillin/translations-raw huggingface dataset:
Der ses bort fra statssubsidiet, som betales gennem, men ikke af kreditinstituttet eller anden institution.
A step-up (step-down) deposit or loan is a deposit or loan with a fixed maturity to which an interest rate is applied that increases (decreases) from year to year by a pre-fixed number of percentage points.
Negative rentesatser på indlån bør medtages i MFI-rentestatistikken, forudsat at disse rentesatser ikke er usædvanlige i forhold til markedsvilkårene.
Step-up (step-down) deposits and loans are instruments with fixed interest rates over the whole maturity.
DEL 16
The interest rate for the whole maturity of the deposit or loan and the other terms and conditions are agreed in advance at time t0 when the contract is signed.
Betalingsstatistik
An example of a step-up deposit is a deposit with an agreed maturity of four years, which receives 5 % interest in the first year, 7 % in the second, 9 % in the third and 13 % in the fourth.
Ud over de indikatorer, der er anført i forordning (EU) nr. 1409/2013 (ECB/2013/43) og som fastsat i denne retningslinjes artikel 18, stk. 1, indberetter de nationale centralbanker de yderligere informationer, der kræves ifølge tabel 1-7.
The AAR on new business, which is covered at time t0 in MFI interest rate statistics, is the geometric average of the factors ‘1 + interest rate’.
Disse informationer skal indberettes med de samme tidsfrister som fastsat for indikatorerne i forordningen.
In line with Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), NCBs may request reporting agents to implement the NDER for this type of product.
Med hensyn til de indikatorer, som ikke er defineret i forordningen, indeholder den relevante tabel en definition.
The AAR on outstanding amounts that is covered from time t0 to t3 is the rate applied by the reporting agent at the time of calculation of the MFI interest rate, i.e., using the example of a deposit with an agreed maturity of four years, 5 % at time t0, 7 % at time t1, 9 % at time t2 and 13 % at time t3.
De informationer, der kræves ifølge tabellerne i forordningen og denne retningslinje, bør indberettes uanset om det underliggende fænomen faktisk eksisterer, og selv hvis de er nul.
For the purpose of MFI interest rate statistics, loans taken as part of lines of credit have the same meaning as defined in and are classified as in Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33).
»NC« med observationsstatus M anvendes til at indikere, at fænomenet ikke eksisterer.
Only outstanding amounts, i.e. amounts withdrawn and not yet repaid in the context of a credit line are covered as new business and reflected in the MFI interest rate statistics in accordance with paragraph 16 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33).
For memorandumposter indberetter de nationale centralbanker NC med en observationsstatus L, hvis der ikke kan indsendes faktiske data, estimater eller foreløbige data.
Amounts available through a line of credit that have not been withdrawn or have already been repaid are not considered, whether as new business or as outstanding amounts.
Afviklingsmedier
An umbrella contract allows the customer to draw loans on several types of loan accounts up to a certain maximum amount applying to all loan accounts together.
Ultimo perioden, medmindre andet er anført; værdi i mio. euro
At the time of the agreement on an umbrella contract, the form the loan will take and/or the date on which the loan will be drawn and/or the interest rate are not specified, but a range of possibilities may be agreed.
Værdi
Such an umbrella contract is not covered by MFI interest rate statistics.
Hyppighed
However, as soon as a loan agreed under an umbrella contract is drawn, it is covered under the corresponding item in MFI interest rate statistics, both in new business and outstanding amounts.
Afviklingsmidler anvendt af ikke-MFI'er
Savings deposits with a basic interest rate plus a fidelity and/or growth premium may exist.
Nationale centralbankers passiver
At the time the deposit is placed, it is not certain whether or not the premium will be paid.
Indlån på anfordring denomineret i euro
The payment depends on the unknown future attitude towards saving of the household or non-financial corporation.
tilhørende indenlandsk statslig forvaltning og service
As a convention, such fidelity or growth premiums are not included in the AAR on new business.
tilhørende statslig forvaltning og service i andre medlemsstater i euroområdet
The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time of calculation of MFI interest rates.
tilhørende resten af verden undtagen banker
Hence, if such a fidelity or growth premium is granted by the reporting agent, this is reflected in the statistics on outstanding amounts.
Indlån på anfordring denomineret i andre valutaer
Loans may be offered to households or non-financial corporations with associated derivative contracts, i.e. an interest rate swap/cap/floor etc.
Andre MFI'ers passiver
As a convention, such associated derivative contracts are not included in the AAR on new business.
Afviklingsmidler anvendt af kreditinstitutter
The AAR on outstanding amounts always covers the rates applied by the reporting agent at the time the MFI interest rates are calculated.
Indlån på anfordring i euro hos andre kreditinstitutter
Hence, if such a derivative contract is exercised and the reporting agent adjusts the interest rate charged to the household or non-financial corporation, this is reflected in the statistics on outstanding amounts.
Intradag lån i euro hos centralbanken (gennemsnit for sidste reserveperiode)
Deposits may be offered comprising two components: a deposit with an agreed maturity to which a fixed interest rate is applied and an embedded derivative with a return that is linked to the performance of a defined stock exchange index or a bilateral exchange rate, subject to a minimum guaranteed return of 0 %.
Afviklingsmedier anvendt af ikke-MFI'er — aktiver eller tilgodehavender i aktiver, som kan anvendes af ikke-MFI til betalinger.
The maturity of both components may be the same or may differ.
Indlån på anfordring — som defineret i »Instrumentkategorier« i del 2 i bilag II til forordning (EU) nr. 071/2013 (ECB/2013/33).
The AAR on new business covers the interest rate for the deposit with agreed maturity, as it reflects the agreement between the depositor and the reporting agent and it is known when the money is placed.
Alle konti medtages, uanset hvilken valuta de er denomineret i. »Indlån på anfordring denomineret i andre valutaer« er således en underkategori af »indlån på anfordring«.
The return on the other component of the deposit, linked to the performance of a stock exchange index or a bilateral exchange rate, is only known ex post when the product matures and therefore cannot be covered by the new business rate.
Indlån på anfordring denomineret i andre valutaer — værdien af indlån på anfordring hos ikke-MFI'er i andre valutaer.
Hence, only the guaranteed minimum return (usually 0 %) is covered.
Afviklingsmedier anvendt af kreditinstitutter — aktiver eller tilgodehavender i aktiver, som kan anvendes af kreditinstitutter til betalinger.
The AAR on outstanding amounts always covers the interest rate applied by the reporting agent at the time the MFI interest rates are calculated.
Intradag lån i euro hos centralbanken (gennemsnit for sidste reserveperiode) — den samlede værdi af de lån, der er ydet af centralbanken til kreditinstitutter og betalt tilbage inden for en periode på under en bankdag.
Until the day of maturity, the rate on the deposit with agreed maturity is captured as well as the guaranteed minimum return on the deposit containing the embedded derivative.
Der er tale om gennemsnittet af den daglige maksimumværdi af samtidige, faktiske intradag overtrækspositioner eller træk på intradag kreditfaciliteter i løbet af dagen for alle kreditinstitutter under ét.
Only at maturity do the MFI interest rates on outstanding amounts reflect the AAR that is paid by the reporting agent.
Alle dage i reservekravsperioden, inkl. weekender og banklukkedage, indgår i gennemsnittet.
Deposits with a maturity of over two years as defined in Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33) may contain pension savings accounts.
Institutioner, som tilbyder betalingstjenester til ikke-MFI'er
The main part of the pension savings accounts may be placed in securities and the interest rate on the accounts then depends on the yield of the underlying securities.
Ultimo perioden, oprindelige enheder, medmindre andet er anført; værdi i mio. euro
The remaining part of the pension savings accounts may be held in cash and the interest rate determined by the credit or other institution in the same way as for other deposits.
Antal
At the time when the deposit is placed, the total return to the household from the pension savings account is not known and may also be negative.
Antal kontorer
In addition, at the time the deposit is placed, an interest rate is agreed between the household and the credit or other institution which applies only to the deposit part; this does not apply to the part invested in securities.
Antal indlån på anfordring (i tusinder)
Hence, only the deposit part that is not invested in securities is covered by MFI interest rate statistics.
heraf:
The AAR on new business that is reported is the rate agreed between the household and the reporting agent for the deposit part at the time the deposit is placed.
Kreditinstitutter med hjemsted i rapporteringslandet
The AAR on outstanding amounts is the rate applied by the reporting agent to the deposit part of the pension savings accounts at the time of calculation of the MFI interest rate.
Værdien af indlån på anfordring fra ikke-MFI'er
Savings plans for housing loans are long-term saving schemes that may provide a low return but, after a certain period of saving, give the household or non-financial corporation the right to a housing loan at a discounted rate.
Filialer af kreditinstitutter med hjemsted i euroområdet
In line with Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33), these savings plans are classified under deposits with agreed maturity over two years as long as they are used as a deposit.
Filialer af kreditinstitutter med hjemsted i EØS uden for euroområdet
As soon as they are transformed into a loan, they are classified as loans to households for house purchases.
Filialer af kreditinstitutter med hjemsted uden for EØS
Reporting agents report as new deposit business the interest rate that is agreed at the time the initial deposit is placed.
E-pengeinstitutter
The corresponding amount of new business is the amount of money that has been placed.
Antal institutioner
The increase of this amount on the deposit over time is only covered by outstanding amounts.
Andre betalingstjenesteudbydere
At the time when the deposit is transformed into a loan, this new loan is recorded as new lending business.
Antal indlån på anfordring fra ikke-MFI'er (i tusinder)
The interest rate is the discounted rate that is being offered by the reporting agent.
Det samlede antal betalingsinstitutter, der driver virksomhed i landet af grænseoverskridende karakter
In line with Part 2 of Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33), deposits placed pursuant to the French regulated housing plan plan d’épargne-logement (PEL) are classified as deposits with an agreed maturity of over two years.
 antal betalingsinstitutter, der yder tjenester gennem en etableret filial
The government regulates the conditions governing these PELs and fixes the interest rate, which remains unchanged over the entire maturity of the deposit, i.e. each ‘generation’ of PELs has the same interest rate attached to it.
 antal betalingsinstitutter, der yder tjenester gennem en repræsentant
PELs are held for at least four years and each year the customer deposits a minimal pre-fixed amount but is allowed to increase the payments at any time during the course of the scheme.
 antal betalingsinstitutter, der yder tjenester hverken i form af etablering af en filial eller gennem en repræsentant
Reporting agents report as new business the initial deposit at the opening of a new PEL.
Tabel 2 supplerer tabel 1 i forordning (EU) nr. 1409/2013 (ECB/2013/43).
The amount of money that is initially placed in the PEL may be very low, which means that the weight attached to the new business rate will also be relatively low.
Antal kontorer — antal forretningssteder i rapporteringslandet.
This approach ensures that the new business rate always reflects the conditions governing the current generation of PELs.
Hvert enkelt forretningssted i det samme rapporteringsland tælles separat.
Changes in the interest rate applied to the new PELs are reflected in the new business rate.
Kun de kontorer (uanset størrelse og åbningstider), der yder betalingstjenester med kontantløs clearing og afvikling, medtages, mens mobile kontorer ikke medtages.
The reaction of consumers in terms of a portfolio shift from other long-term deposits to pre-existing PELs is not reflected in the new business rates but only in the rates on outstanding amounts.
Institutionens hovedkontor tælles som et kontor, hvis det tilbyder betalingstjenester med kontantløs clearing og afvikling.
At the end of the period of four years, the customer may either ask for a loan at a discounted rate or renew the contract.
Filial — et forretningssted (undtagen hovedkontoret), der er beliggende i rapporteringslandet og er etableret af et kreditinstitut, som har retligt hjemsted i et andet land.
Since this renewal of the PEL is carried out automatically without any active involvement on the part of the customer, and since the terms and conditions of the contract including the interest rate are not renegotiated, in line with Part 2 of Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34) this renewal is not considered as new business.
Den er ikke en juridisk person og udfører direkte nogle af eller alle transaktionerne i forbindelse med kreditinstitutternes virksomhed.
On renewing the contract, the customer is allowed to make additional deposits, provided that the outstanding amount does not exceed a defined ceiling and the contract does not exceed a defined maximum years of maturity.
Alle forretningssteder, der er etableret i rapporteringslandet af det samme institut med retligt hjemsted i et andet land, udgør én filial.
If the ceiling or maximum maturity are reached, the contract is frozen.
Hver enkelt af disse forretningssteder tælles som et individuelt kontor.
The household or non-financial corporation retains the borrowing rights and is still granted interest in accordance with the conditions prevailing at the time of opening the PEL as long as the money is left in the bank’s book.
Filial af et kreditinstitut med hjemsted i euroområdet — en filial (beliggende i rapporteringslandet) af et kreditinstitut, som har retligt hjemsted uden for rapporteringslandet, men i euroområdet.
The government grants a subsidy in terms of an interest payment on top of the interest rate offered by the credit or other institution.
Filial af et kreditinstitut med hjemsted uden for EØS — en filial (beliggende i rapporteringslandet) af en bank uden for EØS.
In line with Part 1 of Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34) only that part of the interest payment offered by the credit or other institution is captured in MFI interest rate statistics.
Filial af et kreditinstitut med hjemsted i EØS (uden for euroområdet) — en filial (beliggende i rapporteringslandet) af et kreditinstitut, som har retligt hjemsted i et EØS-land uden for rapporteringslandet og uden for euroområdet.
The government subsidy, which is paid through but not by the credit or other institution, is ignored.
Betalingsinstitutter, der driver virksomhed i landet af grænseoverskridende karakter — betalingsinstitutter, der er beliggende uden for rapporteringslandet, men som driver virksomhed i rapporteringslandet via en etableret filial, en repræsentant eller ved fjernadgang.
Negative interest rates on deposits should be included in MFI interest rates provided that such rates are not exceptional having regard to market conditions.
Betalingstransaktioner, der involverer ikke-MFI'er
PART 16
I alt for perioden, antal transaktioner i mio.; værdi af transaktioner i mio. euro; årlig hyppighed
Payments statistics
Sendt
In addition to the indicators specified in Regulation (EU) No 1409/2013 (ECB/2013/43), and as stated in Article 18(1) of this Guideline, the NCBs report the additional information required under Tables 1 to 7.
Modtaget
This information is subject to the same timeliness as is specified for the indicators in the Regulation.
Memorandumposter
For those indicators for which a definition is not provided in the Regulation, a definition is included in the relevant table.
Antal transaktioner
Information required under the tables of the Regulation and of this Guideline should be reported irrespective of the actual existence of the underlying phenomenon and even when they are zero.
Værdi af transaktioner
‘NC’ with an observation status M is used to indicate that the phenomenon does not exist.
Transaktioner pr. betalingsinstrumenttype
For memorandum items, if actual data, estimates or provisional data cannot be provided, NCBs report NC with an observation status L.
Kredit-overførsler
Settlement media
Initieret elektronisk
End of period unless otherwise stated; value in EUR millions
Initieret som engangsbetaling
Value
Netbankbaserede e-betalinger
Frequency
Krediteringer af konti ved simpel postering
Settlement media used by non-MFIs
Debiteringer af konti ved simpel postering
Liabilities of the NCB
Pengeoverførsler
Overnight deposits denominated in euro
Transaktioner via telekommunikation, digitalt udstyr eller IT-udstyr
of domestic central governments
Tabel 3 supplerer tabel 4 i forordning (EU) nr. 1409/2013 (ECB/2013/43).
Geo 0
Netbankbaserede e-betalinger — transaktioner, der er initieret via netbankordninger og betalingsinitieringstjenester.
of other euro area Member States’ central governments
Posten »netbankbaserede e-betalinger« omfatter ikke betalinger, som kun er initieret af betaleren via netbank, som ikke involverer en samtidig online indkøbstransaktion.
of rest of the world, except banks
Krediteringer af konti ved simpel postering — kredittransaktioner, der er initieret af en betalingstjenesteudbyder (herunder en udsteder af e-penge) uden en specifik transaktionsordre, og som udføres ved simpel postering, dvs. kreditering, i en kundes konto, dvs. uden brug af et traditionelt betalingsinstrument.
Liabilities of other MFIs
Følgende transaktioner indberettes for denne post: a) bankens rentebetaling; b) bankens betaling af udbytte; c) udbetaling af et lånebeløb til kundens konto; og d) andre krediteringer af kontoen ved simpel postering.
Settlement media used by credit institutions
Disse data indgår ikke i kreditoverførsler.
Overnight deposits in euro held at other credit institutions
Debiteringer af konto ved simpel postering — debettransaktioner, der er initieret af en betalingstjenesteudbyder (herunder en udsteder af e-penge) uden en specifik transaktionsordre, og som udføres ved simpel postering, debitering, i en kundes konti, dvs. uden brug af et traditionelt betalingsinstrument.
Intraday borrowing in euro from the central bank (average for last reserve maintenance period)
Følgende transaktioner indberettes for denne post: a) bankens opkrævning af renter; b) debitering af bankgebyrer; c) betaling af afgifter knyttet til finansielle aktiver, hvis de er en særskilt transaktion, men ikke særskilt godkendt af kunden; d) tilbagebetaling af et lånebeløb; og e) andre debiteringer af kontoen ved simpel postering.
Settlement media used by non-MFIs — assets or claims on assets that can be used by non-MFIs for payments.
Disse data indgår ikke i direkte debitering.
Overnight deposits — as defined in ‘Instrument categories’ in Part 2 of Annex II of Regulation (EU) No 1071/2013 (ECB/2013/33).
Pengeoverførsler — som defineret i artikel 4 i Europa-Parlamentets og Rådets direktiv 2007/64/EF [56].Transaktioner via telekommunikation, digitalt udstyr eller IT-udstyr — som defineret i punkt 7 i bilaget til direktiv 2007/64/EF.
All accounts are included, irrespective of the currency in which they are denominated; thus, ‘overnight deposits denominated in other currencies’ is a sub-category of ‘overnight deposits’.
Betalingstransaktioner pr. terminaltype, der involverer ikke-MFI'er
Overnight deposits denominated in other currencies — value of overnight deposits held by non-MFIs in other currencies.
Kontantlån ved salgsterminaler
Settlement media used by credit institutions — assets or claims on assets that can be used by credit institutions for payments.
OTC-kontanthæv-ninger
Intraday borrowing in euro from the central bank (average for last reserve maintenance period) — total value of credit extended by the central bank to credit institutions and reimbursed within a period of less than one business day.
OTC-kontantindskud
This is the average of the daily maximum value of simultaneous and actual intraday overdraft positions or drawings on intraday credit facilities during the day for all credit institutions taken together.
Tabel 4 supplerer tabel 5 i forordning (EU) nr. 1409/2013 (ECB/2013/43).
All days in the maintenance period, including weekends and bank holidays, are considered in the average.
Kontantudbetaling ved salgsterminaler (POS-terminaler) — transaktioner, hvorved kortindehaveren modtager kontanter ved en salgsterminal sammen med en betalingstransaktion for varer eller tjenesteydelser.
Institutions offering payment services to non-MFIs
Hvis det ikke er muligt at adskille data om kontantudbetalinger ved salgsterminaler, indberettes disse som »POS-transaktioner«.
End of period; original units unless otherwise stated; value in EUR millions
Over-the-counter (OTC)-kontantindskud — indskud af kontanter på en konto hos betalingstjenesteudbyderen ved brug af en blanket, herunder hvis et kort udelukkende anvendes til at identificere betaleren.
Number
Omfatter kontanter indskudt hos en betalingstjenesteyders døgnboks til kreditering af en konto hos betalingstjenesteudbyderen.
Number of offices
Disse transaktioner repræsenterer ikke betalinger i egentlig forstand, da de kun udgør en ændring fra kontanter til kontopenge.
Number of overnight deposits (thousands)
OTC-kontanthævninger: hævning af kontanter på en konto hos betalingstjenesteudbyderen ved brug af en blanket, herunder hvis et kort udelukkende anvendes til at identificere betalingsmodtageren.
of which:
Disse transaktioner repræsenterer ikke betalinger i egentlig forstand, da de kun udgør en ændring fra kontopenge til kontanter.
Credit institutions legally incorporated in the reporting country
Tabel 5
Value of overnight deposits held by non-MFIs
Deltagelse i udvalgte betalingssystemer: TARGET2
Branches of euro area-based credit institutions
Ultimo perioden, oprindelige enheder, årlig hyppighed
Branches of EEA-based credit institutions outside the euro area
TARGET2-delsystem
Branches of non-EEA-based credit institutions
Antal deltagere
Electronic money institutions
Andre direkte deltagere
Other payment service providers
Offentlig forvaltning
Number of overnight deposits held by non-MFIs (thousands)
Clearings- og afviklingsorganer
Memo items:
Indirekte deltagere
 number of payment institutions providing services through an agent
Tabel 6
 number of payment institutions providing services neither establishing a branch nor through an agent
Betalinger behandlet af udvalgte betalingssystemer: TARGET2
Table 2 complements Table 1 of Regulation (EU) No 1409/2013 (ECB/2013/43).
Kreditoverførsler og direkte debitering
Number of institutions — comprises the legally independent institutions operating in the reporting country.
Inden for det samme TARGET2-delsystem
Each institution is counted once, irrespective of the number of offices it maintains in the country.
Til et andet TARGET2-delsystem
Number of offices — number of places of business in the reporting country.
Til et TARGET2-delsystem i euroområdet
Each place of business set up in the same reporting country is counted separately.