natgillin/translations-raw huggingface dataset:
I lighed med den foregående vedrører denne indikator koncentrationen af bankvirk ­ somhed .
Similar to the previous indicator , this refers to the concentration of banking business .
De nationale centralbanker skal så vidt muligt anvende en aggre ­ geret fremgangsmåde .
NCBs must follow to the extent possible an aggregated approach .
I så fald skal beregningen af Herfindahl-indekset omfatte den aggregerede balance for hvert enkelt kreditinstitut i gruppen , idet der eventuelt gøres brug af den regnskabsinformation , som findes i disse institutioners årsregnskaber .
In this case , the calcu ­ lation of the HI must include the aggregated balance sheet of each CI included in the group , perhaps using the accounting information contained in these institutions » annual financial statements .
Såfremt ikke alle hale-kreditinstitutter indberetter data , opregnes dataene .
Where not all CIs are in the tail report data , data must be grossed up .
Herfindahl-indekset fås ved at summere kvadraterne af samtlige kreditinsti ­ tutters ( CI ) markedsandele i banksektoren og indberettes til ECB efter følgende formel : P HI ¼ n ðXi = XÞ2 , hvor : i ¼ 1 n = samlede antal CI i landet Xi = CIi 's samlede aktiver Pn X = i ¼ 1 Xi = alle landets CI' ers samlede aktiver .
The HI is obtained by summing the squares of the market shares of all the CIs in the banking sector and must be reported to the ECB according to the following formula : P HI ¼ n ðXi = XÞ2 , where : i ¼ 1 n = total number of CIs in the country Xi = total assets of CIi Pn X = i ¼ 1 Xi = total assets of all CIs of the country .
Forsikringsselskabers investeringer i alt ( 1 ) .
Total investments of insurance companies ( 1 ) .
Oplysningerne vedrører disse virksomheders samlede finansielle aktiver , som fås ved at trække ikke-finan ­ sielle aktiver ( som fx anlægsaktiver ) fra den aggregerede balancesum .
The information refers to these companies » total financial assets , which is obtained by deducting the non-financial assets such as fixed assets from the aggregated balance sheet total .
Om nødvendigt opregnes tallene for at sikre dækning på 100 pct .
If necessary , figures should be grossed up to ensure 100 % coverage .
Hvis der ikke foreligger særskilte oplysninger om forsikringsselskaber , kan denne indikator kombineres med indikatoren » Samlede aktiver forvaltet af pensionskasser «, så der fås en samlet indikator .
If separate information on insurance companies is not available , this indicator may be combined with indicator « Total assets under management by pension funds » to form one single indicator .
De nationale centralbanker markerer serien , hvis de vælger » samlet « registrering .
NCBs must flag the series if « combined » recording is adopted .
Aktiver i alt forvaltet af pensionskasser ( 2 ) .
Total assets under management by pension funds ( 2 ) .
Disse oplysninger vedrører den aggregerede balancesum for selvstændige pensionskasser .
This information refers to the aggregated balance sheet totals of autonomous pension funds .
Hvis der ikke fore ­ ligger særskilte oplysninger om pensionskasser , kan denne indikator kombi ­ neres med indikatoren » Forsikringsselskabers samlede investeringer «, så der fås en samlet indikator .
If separate information on pension funds is not available , this indicator may be combined with indicator « Total investments of insurance companies » to form one single indicator .
I så fald angives » ingen indberetning « for indika ­ toren » Samlede aktiver forvaltet af pensionskasser «.
In this case , a nil return must be provided in respect of indicator « Total assets under management by pension funds » .
Antal filialer af kreditinstitutter fra andre EU-lande .
Number of branches of CIs from other EU countries .
Denne indikator vedrører antallet af filialer i rapporteringslandet , som hører under kreditin ­ stitutter , der er residenter i andre EU-lande .
This indicator refers to the number of branches in the reporting country which belong to CIs resident in other EU countries .
Hvis et kreditinstitut har mere end en filial i et bestemt land , regnes de som én .
If a CI has more than one branch in a particular country , it is counted as one .
De nationale centralbanker skal sikre , at data fra og med udgangen af 1999 stemmer overens med data , som indberettes inden for rammerne af MFI-listen .
NCBs must ensure that data as from the end of 1999 are consistent with data reported in the framework of the MFI list .
Aktiver i alt hos filialer af kreditinstitutter fra andre EU-lande .
Total assets of branches of CIs from other EU countries .
Denne indikator vedrører den aggregerede balancesum for filialer , der er omfattet af indikatoren » Antal filialer af kreditinstitutter fra andre EU-lande «.
This indicator refers to the aggregated balance sheet total of the branches covered by the indicator « Number of branches of CIs from other EU countries » .
( 1 ) I ENS 95 er den tilsvarende sektor til denne indikator S. 125a .
This indicator refers to the number of subsidiaries in the reporting country which are ( 1 ) For this indicator , the corresponding ESA 95 sector is S. 125a .
( 2 ) Den tilsvarende sektor i ENS 95 er for denne indikator S. 125b .
( 2 ) For this indicator , the corresponding ESA 95 sector is S. 125b .
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 254 ▼B 9 . Antal datterselskaber af kreditinstitutter fra andre EU-lande .
2007O0009 --- EN --- 01.07.2010 --- 002.001 --- 250 ▼B controlled by a CI resident in other EU countries .
Denne indikator vedrører antallet af datterselskaber i rapporteringslandet , som kontrolleres af et kreditinstitut med hjemsted i andre EU-lande .
Only subsidiaries that are themselves CIs may be counted .
Kun datter ­ selskaber , som selv er kreditinstitutter , må medregnes . 10 .
10 . Total assets of subsidiaries of CIs from other EU countries .
Aktiver i alt hos datterselskaber af kreditinstitutter fra andre EU-lande . Denne indikator vedrører den aggregerede balancesum for datterselskaber , der er omfattet af indikatoren » Antal datterselskaber af kreditinstitutter fra andre EU-lande «.
This indicator refers to the aggregated balance sheet total of the subsidiaries covered by the indicator « Number of subsidiaries of CIs from other EU countries » .
Antal filialer af kreditinstitutter fra lande uden for EU .
Number of branches of CIs from extra EU countries .
Denne indikator vedrører antallet af filialer med hjemsted i rapporteringslandet , som hører under kreditinstitutter med hjemsted i lande , der ikke er EU-medlemmer .
This indicator refers to the number of branches resident in the reporting country , which belong to CIs resident in countries that are not Member States .
Hvis en bank har mere end en filial i et bestemt land , regnes de som én .
If a bank has more than one branch in a particular country , it is counted as one .
De nationale centralbanker skal sikre , at dataene stemmer overens med de data , som indberettes inden for rammerne af MFI-listen .
NCBs must ensure that data are consistent with data reported in the framework of the MFI list .
Aktiver i alt hos filialer af kreditinstitutter fra lande uden for EU .
Total assets of branches of CIs from extra EU countries .
Denne indikator vedrører den aggregerede balancesum for filialer , der er omfattet af indikatoren » Antal filialer af kreditinstitutter fra lande uden for EU «.
This indicator refers to the aggregated balance sheet total of the branches covered by indicator « Number of branches of CIs from extra EU countries » .
Antal datterselskaber af kreditinstitutter fra lande uden for EU .
Number of subsidiaries of CIs from extra EU countries .
Denne indikator vedrører antallet af datterselskaber med hjemsted i rapporterings ­ landet , som kontrolleres af kreditinstitutter med hjemsted i lande , der ikke er EU-medlemmer .
This indicator refers to the number of subsidiaries resident in the reporting country , controlled by CIs resident in countries that are not Member States .
Aktiver i alt hos datterselskaber af kreditinstitutter fra lande uden for EU .
Total assets of subsidiaries of CIs from extra EU countries .
Denne indikator vedrører den aggregerede balancesum for dattersel ­ skaber , der er omfattet af indikatoren » Antal datterselskaber af kreditinsti ­ tutter fra lande uden for EU «. 15 .
This indicator refers to the aggregated balance sheet total of the subsidiaries covered by indicator « Number of subsidiaries of CIs from extra EU countries » 15 .
Antal filialer af kreditinstitutter fra andre deltagende medlemsstater .
Number of branches of CIs from other participating Member States .
Denne indikator vedrører antallet af filialer med hjemsted i rapporterings ­ landet , som hører under kreditinstitutter med hjemsted i andre deltagende medlemsstater .
This indicator refers to the number of branches resident in the reporting country , belonging to CIs resident in other participating Member States .
Aktiver i alt hos filialer af kreditinstitutter fra andre deltagende medlemsstater .
Total assets of branches of CIs from other participating Member States .
Denne indikator vedrører den aggregerede balancesum for filialer , der er omfattet af indikatoren » Antal filialer af kreditinstitutter fra andre deltagende medlemsstater «.
This indicator refers to the aggregated balance sheet total of the branches covered by indicator « Number of branches of CIs from other participating Member States » .
Antal datterselskaber af kreditinstitutter fra andre deltagende medlems ­ stater .
Number of subsidiaries of CIs from other participating Member States .
Denne indikator vedrører antallet af datterselskaber med hjemsted i rapporteringslandet , som kontrolleres af kreditinstitutter med hjemsted i andre deltagende medlemsstater . 18 .
This indicator refers to the number of subsidiaries resident in the reporting country which are controlled by CIs resident in other participating Member States 18 .
Aktiver i alt hos datterselskaber af kreditinstitutter fra andre deltagende medlemsstater .
Total assets of subsidiaries of CIs from other participating Member States .
Denne indikator vedrører den aggregerede balancesum for datterselskaber , der er omfattet af indikatoren » Antal datterselskaber af kreditinstitutter fra andre deltagende medlemsstater «.
This indicator refers to the aggregated balance sheet total of the subsidiaries covered by indicator « Number of subsidiaries of CIs from other participating Member States » .
▼B TABEL 1 Strukturelle finansielle indikatorer ( beholdninger ) 1 .
▼B TABLE 1 Structural financial indicators ( stocks ) 1 .
Indenlandsk område Forsikringsselskaber og pensionskasser Kreditinstitutter I alt Forsikrings-selskaber Pensionskasser Kreditinstitutter Kreditinstitutter 2 .
Domestic area Insurance corporations and pension funds Credit institutions Total Insurance corporations Pension funds Credit institutions Credit institutions 2 .
Andre EU-lande 3 .
Other EU countries 3 .
Uden for EU 4 .
Extra EU countries 4 .
Antal ansatte i kreditinsti ­ tutter S3 S6 S4 S7
Number of employees of CIs S3 S6 S4 S7
S1 S5 S8
S1 S5 S8
Antal filialer af kreditinsti ­ tutter
Number of branches of CIs
S2
S2
Antal datterselskaber kreditinstitutter
Number of subsidiaries of CIs
Herfindahl-indeks kreditinstitutters aktiver for sml .
Herfindahl index for CIs total assets
S9
S9
akt . ( CR5 ) S11 S12 S13
Share of the 5 largest CIs in total assets ( CR5 ) S11 S12 S13 S14 S17
S10
S10
Filialers aktiver i alt S14 S17
Total assets of branches
S15 S18
S15 S18
S16 S19
S16 S19
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 255
2007O0009 --- EN --- 01.07.2010 --- 002.001 --- 251
▼B TABEL 2 Strukturelle finansielle indikatorer ( strømreguleringer ) 1 .
▼B TABLE 2 Structural financial indicators ( flow adjustments ) 1 .
Indenlandsk område Forsikringsselskaber og pensionkasser Kreditinstitutter I alt Forsikrings-selskaber Pensionskasser Kreditinstitutter Kreditinstitutter 2 .
Domestic area Insurance corporations and pension funds Credit institutions Total Insurance corporations Pension funds Credit institutions Credit institutions 2 .
Omklassifikationer andre ændringer S20 S23 S26 S21 S22 S24 S27
Reclassifications other adjustments S20 S23 S26 S21 S22 S24 S27
S25 S28
S25 S28
Andre revalueringsregule ­ ringer S29 S30 S31 S32 S35 S33 S36 S34 S37
Other adjustments S29 S30 S31 S32 S35 revaluation
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 256 Datterselskabers aktiver i alt
S34 S37 2007O0009 --- EN --- 01.07.2010 --- 002.001 --- 252
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 257 ▼B DEL 9 Data til brug i Den Internationale Valutafond TABEL 1 Data for nationale centralbanker ( beholdninger )
Total assets of subsidiaries 2007O0009 --- EN --- 01.07.2010 --- 002.001 --- 253 ▼B PART 9 Data for International Monetary Fund purposes TABLE 1 NCB data ( stocks )
Indenlandsk ( 1 )
Domestic ( 1 )
PASSIVER 9 Indlån heraf indlån i NCB' er heraf indlån i ECB AKTIVER 2 Udlån heraf udlån til NCB' er heraf udlån til ECB heraf internationale reserver som indlån i ECB ( 2 ) 3 heraf udstedt af NCB' er heraf udstedt af ECB 5 S10 ( skema 10S --- kun DE ) S5 ( skema10S --- kun DE ) S7 ( skema10S --- kun DE ) S4 S6 ( skema 10S ) S8 ( skema 10S ) S2 ( skema10S --- kun DE ) S1 S3 ( skema10S )
LIABILITIES 9 Deposits Of which deposits with NCBs Of which deposits with ECB ASSETS 2 Loans Of which loans to NCBs Of which loans to ECB Of which international reserve-related deposits in ECB ( 2 ) 3 Of which issued by NCBs Of which issued by ECB 5 Shares and other equity Of which issued by ECB ( 1 ) ( 2 ) S1 S2 ( Form 10S --- DE only ) S3 ( Form 10S )
Værdipapirer undtagen aktier S9 S11 ( skema 10S ) Aktier og andre kapitalandele heraf udstedt af ECB S12 ( skema10S --- kun DE ) S13 ( skema10S )
S4 S5 ( Form 10S --- DE only ) S7 ( Form 10S --- DE only ) S6 ( Form 10S ) S8 ( Form 10S ) Securities other than shares S9 S10 ( Form 10S --- DE only ) S11 ( Form 10S )
( 1 ) ( 2 )
S12 ( Form 10S --- DE only ) S13 ( Form10S )
Indenlandske positioner over for ECB gælder kun for Tyskland , som angivet .
Domestic positions vis-à-vis the ECB apply for Germany only , as indicated .
Denne post omfatter de nationale centralbankers tilgodehavender denomineret i euro , som modsvarer overførslen af udenlandske valutareserver fra de nationale centralbanker til ECB .
This item includes the NCBs » euro-denominated claims equivalent to the transfer of foreign currency reserves from the NCBs to the ECB .
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 258 ▼B TABEL 2 Data for andre MFI' er ( beholdninger )
2007O0009 --- EN --- 01.07.2010 --- 002.001 --- 254 ▼B TABLE 2 Other MFIs data ( stocks )
PASSIVER 9 Indlån heraf indlån i ECB (*) heraf indlån i NCB' er AKTIVER 2 Udlån heraf udlån til ECB (*) heraf udlån til NCB' er 3 heraf udstedt af ECB (*) heraf udstedt af NCB' er 5 S18 ( skema 20S --- kun DE ) S20 ( skema 20S ) S22 ( skema 20Skun DE ) S24 ( skema 20S ) S19 ( skema 20S ) S21 (*) S23 ( skema 20S ) S25 (*) S14 ( skema 20S --- kun DE ) S16 ( skema 20S ) S15 ( skema20S ) S17 (*)
LIABILITIES 9 Deposits Of which deposits with ECB (*) Of which deposits with NCBs ASSETS 2 Loans Of which ECB (*) 3 loans to S18 ( Form 20S --- DE only ) S20 ( Form 20S ) S22 ( Form 20S --- DE only ) S24 ( Form 20S ) S19 ( Form 20S ) S21 (*) S23 ( Form 20S ) S25 (*) S14 ( Form 20S --- DE only ) S16 ( Form 20S ) S15 ( Form 20S ) S17 (*) Of which loans to NCBs Of which ECB (*) Of which NCBs 5 issued issued by by
Aktier og andre kapitalandele heraf udstedt af NCB' er S26 ( skema 20S ) S27 (*)
Shares and other equity Of which NCBs issued by S26 ( Form 20S ) S27 (*)
( 1 ) Indenlandske positioner over for ECB gælder kun for Tyskland , som angivet .
( 1 ) Domestic positions vis-à-vis the ECB apply for Germany only , as indicated .
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 259 ▼M2 DEL 11 Statistik over andre finansielle formidlere ( bortset fra investeringsforeninger og financial vehicle corporations ) Afsnit 1 : Rapporteringstabeller De data , der skal indberettes for forhandlere af værdipapirer og derivater ( SDD' er ) , finansielle selskaber beskæftiget med långivning ( FCL' er ) og andre finansielle formidlere ( OFI' er ) , er angivet i tabellen nedenfor .
2007O0009 --- EN --- 01.07.2010 --- 002.001 --- 255 ▼M2 PART 11 Other financial intermediaries » statistics ( except investment funds and financial vehicle corporations ) Section 1 : Reporting tables Data to be reported for SDDs ( security and derivative dealers ) , FCLs ( financial corporations engaged in lending ) and remaining OFIs ( other financial interme ­ diaries ) are set out in the table below .
Data for forhandlere af værdipapirer ( SDD ) , finansielle selskaber beskæf ­ tiget med långivning ( FCL ) og resterende OFI' er .
Data on SDDs , FCLs and remaining OFIs .
Nøgleindikatorer / memo ­ randumposter
Key indicators / memorandum items
Post og løbetid / geografisk opdeling / sekto ­ ropdeling
Item name and maturity / geographical / sectoral breakdown
AKTIVER Indlån / verden / i alt Udlån / verden / i alt Udlån / verden / MFI' er Udlån / verden / ikke - MFI' er / i alt Udlån / verden / ikke - MFI' er / ikke-finan ­ sielle selskaber Udlån / verden / ikke - MFI' er / hushold ­ ninger / i alt Udlån / verden / ikke - MFI' er / hushold ­ ninger / forbrugerkredit Udlån / verden / ikke - MFI' er / hushold ­ ninger / udlån til boligkøb Udlån / verden / ikke - MFI' er / hushold ­ ninger / andre formål ( restpost ) Udlån / indenlandsk / i alt Udlån / indenlandsk / MFI' er Udlån / indenlandsk / ikke - MFI' er / i alt Udlån / indenlandsk / ikke - MFI' er / ikkefinansielle selskaber Udlån / indenlandsk / ikke - MFI' er / husholdninger / i alt Udlån / indenlandsk / ikke - MFI' er / husholdninger / forbrugerkredit Udlån / indenlandsk / ikke - MFI' er / husholdninger / udlån til boligkøb Udlån / indenlandsk / ikke - MFI' er / husholdninger / andre formål ( restpost ) Udlån / andre deltagende medlemsstater / i alt Udlån / andre deltagende medlemsstater / MFI' er Udlån / andre deltagende medlemsstater / ikke - MFI' er / i alt Udlån / andre deltagende medlemsstater / ikke - MFI' er / ikke-finansielle selskaber Udlån / andre deltagende medlemsstater / ikke - MFI' er / husholdninger / i alt Udlån / andre deltagende medlemsstater / ikke - MFI' er / husholdninger / forbruger ­ kredit Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle
ASSETS Deposits / world / total Loans / world / total Loans / world / MFIs Loans / world / non-MFIs / total Loans / world / non-MFIs / non-financial corporations Loans / world / non-MFIs / households / total Loans / world / non-MFIs / households / consumer credit Loans / world / non-MFIs / households / lending for house purchase Loans / world / non-MFIs / households / other purposes ( residual ) Loans / domestic / total Loans / domestic / MFIs Loans / domestic / non-MFIs / total Loans / domestic / non-MFIs / nonfinancial corporations Loans / domestic / non-MFIs / households / total Loans / domestic / non-MFIs / households / consumer credit Loans / domestic / non-MFIs / households / lending for house purchase Loans / domestic / non-MFIs / households / other purposes ( residual ) Loans / other States / total Loans / other States / MFIs participating participating Member Member Member Key Key Key Key Key Key Key Key Key Key Key Key Key Key Key Key Key Key Key Key Key Loans / other participating States / non-MFIs / total
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 260 ▼M2 Post og løbetid / geografisk opdeling / sekto ­ ropdeling SDD FCL Resterende OFI' er Udlån / andre deltagende medlemsstater / ikke - MFI' er / husholdninger / udlån til boligkøb Udlån / andre deltagende medlemsstater / ikke - MFI' er / husholdninger / andre formål ( restpost ) Værdipapirer undtagen løbetider / verden / i alt aktier alle Nøgle Nøgle
Loans / other participating Member States / non-MFIs / non-financial corporations Loans / other participating Member States / non-MFIs / households / total Loans / other participating Member States / non-MFIs / households / consumer credit Key Key
Aktier og andre kapitalandele undtagen andele i investeringsfor ­ eninger / verden / i alt Andele i verden / i alt Andre aktiver verden / i alt investeringsforeninger /
2007O0009 --- EN --- 01.07.2010 --- 002.001 --- 256 ▼M2 Item name and maturity / geographical / sectoral breakdown SDDs FCLs Remaining OFIs
Finansielle derivater / verden / i alt inklusive » udlån «/ Andre aktiver inklusive » indlån «, » kassebeholdning «, » andele i investe ­ ringsforeninger «, » anlægsaktiver « og » finansielle derivater «/ verden / i alt I ALT AKTIVER / PASSIVER / verden / i alt PASSIVER Indlån og lån / verden / i alt Udstedte gældsbeviser / verden / i alt Kapital og reserver / verden / i alt Finansielle derivater / verden / i alt Andre passiver / verden / i alt Andre passiver inklusive » finansielle derivater «/ verden / i alt Nøgle Nøgle Nøgle Nøgle Nøgle Nøgle
Loans / other participating Member States / non-MFIs / households / lending for house purchase Loans / other participating Member States / non-MFIs / households / other purposes ( residual ) Securities other than shares / world / total Shares and other equity excluding investment fund shares / world / total Investment fund shares / world / total Financial derivatives / world / total Other assets including « loans '/ world / total Other assets including « deposits » , « cash » , « investment fund shares » , « fixed assets » and « financial deriva ­ tives '/ world / total Total assets / liabilities / world / total LIABILITIES Deposits and loans taken / world / total Debt securities issued / world / total Capital and reserves / world / total Financial derivatives / world / total Other liabilities / world / total Other liabilities including « financial derivatives '/ world / total Key Key Key Key Key Key Key Key Key Key Key
Memo Nøgle Nøgle Nøgle
Key Key Key Key Memo
2007O0009 --- DA --- 01.07.2010 --- 002.001 --- 261 ▼M2 Afsnit 2 : Instrumentkategorier og værdiansættelsesregler I overensstemmelse med det europæiske national - og regionalregnskabssystem i Det Europæiske Fællesskab ( ENS 95 ) skal aktiver og passiver i princippet værdiansættes ud fra de løbende markedspriser på statusdagen .
Section 2 : Instrument categories and valuation rules In line with the European System of National and Regional Accounts in the Community ( ESA 95 ) , in principle assets and liabilities must be valued using current market prices on the date to which the balance sheet relates .
Aktiver Aktiver / passiver i alt : Aktiver i alt skal være lig med summen af alle enkeltpo ­ sterne på balancens aktivside og desuden lig med passiver i alt .
Assets Total assets / liabilities : total assets must equal the sum of all items separately identified on the assets side of the balance sheet and should also equal total liabilities .
Indlån : Denne post ( 1 ) er opdelt i to hovedkategorier : transferable indlån og andre indlån .
Deposits : this item ( 1 ) consists of two main sub-categories : transferable deposits and other deposits .
Udlån : I posten indgår : --- udlån til husholdninger i form af forbrugerkredit , dvs .
Loans : this item consists of : --- loans granted to households in the form of consumer credit i.e. loans granted for the purpose of personal use in the consumption of goods and services ; lending for house purchases i.e. credit extended for the purpose of investing in housing , including building and home improvements ;
udlån til personligt forbrug af varer og tjenester , udlån til boligkøb , dvs . kredit til investering i bolig , herunder byggeri og forbedring af egen bolig , og andre udlån , dvs .
and other i.e. loans granted for purposes such as business , debt consolidation , education , etc ., --- financial leases granted to third parties , --- bad debt loans that have not yet been repaid or written off , ( 1 ) In the MFI balance sheet no distinction is made between deposits and loans on the asset and liability side . Instead , all non-negotiable funds placed with / lent to MFIs (= liabilities ) are deemed to be in « deposits » and all funds placed by / lent by the MFIs (= assets ) are deemed to be « loans » .