natgillin/translations-raw huggingface dataset:
The first and third quartiles are calculated by previously weighting the volume in that category by the institutions in the stratum.
Följaktligen ska endast den inlåningsdel som inte investeras i värdepapper innefattas i statistiken över MFI:s räntesatser.
Hence, the average between the two MAE estimators — the first and the third quartiles — is used as an estimation for the parameter
Den överenskomna årliga räntan på nya avtal som rapporteras är den ränta som avtalats mellan hushållet och uppgiftslämnaren på inlåningsdelen vid den tid då inlåningen placeras.
The maximum random error and the synthetic MAE are separately calculated for new business and outstanding amounts.
Den överenskomna årliga räntan på utestående belopp ska vara den ränta som tillämpas av uppgiftslämnaren på inlåningsdelen av kontona för pensionssparande vid tiden för beräkningen av MFI:s räntor.
For new business, the maximum random error and the synthetic MAE should be calculated on the basis of indicators 1 to 11, 13 to 22, and 24 to 29 as described in Appendix 2 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34).
Program för bostadssparande är långfristigt sparande som kan ge låg avkastning men som, efter en viss tidsperiod av sparande, ger hushållet eller det icke-finansiella bolaget rätt till ett bostadslån till rabatterad ränta.
For outstanding amounts, the maximum random error and the synthetic MAE should be calculated on the basis of indicators 1 to 14 as described in Appendix 1 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34).
I enlighet med del 2 i bilaga II till förordning (EU) nr 1071/2013 (ECB/2013/33) ska dessa sparprogram klassificeras som inlåning med överenskommen löptid över två år så länge de fungerar som inlåning.
The minimum national sample size refers both to the minimum initial sample and to the minimum sample after maintenance as defined in the next section on maintenance of the sample of the actual reporting population.
Så snart de förvandlas till ett lån klassificeras de som bostadslån till hushåll.
Due to mergers and leavers, the sample may reduce in size over time until the next maintenance period.
Den ränta som avtalas vid den tid då den första inlåningen placeras rapporterar uppgiftslämnarna som nytt inlåningsavtal.
NCBs may select more reporting agents than defined as the minimum national sample size, in particular where necessary to increase the representativity of the national sample in the light of the structure of the national financial system.
Det motsvarande beloppet av nya avtal ska vara det belopp som har placerats.
There needs to be consistency between the number of MFIs in the reference reporting population and the minimum sample size.
Ökningen av detta belopp för inlåningen över tiden tas endast med under utestående belopp.
NCBs may allow MFIs which are resident within a single euro area Member State and individually included in the list of MFIs as established and updated in accordance with the classification principles set out in Section 1 of Part 1 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33) to report MFI interest rate statistics together as a group.
Vid den tid då inlåningen förvandlas till ett lån registreras detta nya lån som ett nytt utlåningsavtal.
The group becomes a notional reporting agent.
Räntan ska vara den rabatterade ränta som erbjuds av uppgiftslämnaren.
This means that the group reports MFI interest rate statistics as if it was a single MFI, i.e. it reports one average interest rate per instrument category covering the whole group instead of one rate for each MFI included in the list of MFIs.
Vikten är det totala lånebeloppet som beviljats till hushållet eller det icke-finansiella bolaget.
At the same time, the MFIs within the group are still counted as individual institutions in the reference reporting population and in the sample.
Negativa räntor på inlåning bör ingå i MFI:s räntesatser, förutsatt att dessa räntor inte är exceptionella sett till marknadsvillkoren.
Maintenance of the sample of the actual reporting population
DEL 16
NCBs that choose the sampling approach must ensure that the sample remains representative over time.
Betalningsstatistik
NCBs should therefore check the representativeness of their sample at least once a year.
Utöver de indikatorer som anges i förordning (EU) nr 1409/2013 (ECB/2013/43), och som anges i artikel 18.1 i denna riktlinje, ska de nationella centralbankerna rapportera den tilläggsinformation som krävs enligt tabellerna 1–7.
If there are significant changes in the reference reporting population, these must be reflected in the sample after this annual check.
För denna information gäller samma tidsfrister som anges för indikatorerna i förordningen.
At intervals of at most three years, NCBs must carry out a regular review of the sample, taking account of joiners to the reference reporting population, leavers from the reference and actual reporting population, and other changes in the characteristics of the reporting agents, and apply the provisions of Section 5 on minimum national sample size.
För de indikatorer som inte definieras i förordningen finns det en definition i respektive tabell.
The regular review of the sample will be based on an assessment of compliance with the provisions on the selection of the actual reporting population as contained in Section 1, based on the monthly data corresponding to the end of each quarter in the year in which the review takes place.
Information som krävs enligt tabellerna i förordningen samt denna riktlinje bör rapporteras oberoende av om underliggande företeelse existerar eller ej och även när det rör sig om nollvärden.
However, NCBs may check and refresh their sample more frequently.
Betalningsmedel
Over time, the sample will be adjusted to take account of joiners to the reference reporting population in order to remain representative of the reference reporting population.
Slutet av perioden om inget annat anges, värde i miljoner euro
NCBs must therefore draw a sample nb from the population of all joiners Nb.
Värde
The complementary selection of joining institutions nb among the total number of joiners Nb is referred to as incremental sampling over time.
Frekvens
Over time, the sample will be adjusted to take account of leavers from the reference and the actual reporting population.
Betalningsmedel som används av icke-MFI
No adjustment is necessary if the number of leavers in the reference reporting population Nd is proportionate to the number of leavers in the sample nd (case 1).
NCB-skulder
If institutions leave the reference reporting population and they are not in the sample, the sample becomes larger relative to the size of the reference reporting population (case 2).
Inlåning över natten i euro
If relatively more institutions leave the sample than the reference reporting population, the sample becomes too small over time and might cease to be representative (case 3).
från den inhemska staten
In cases 2 and 3, if random sampling is used for the selection of the actual reporting institutions the weights attached to each institution in the sample has to be adjusted by means of an established statistical method derived from the theory of sampling.
från staten i euroområdets andra medlemsstater
The weight attached to each reporting agent is the inverse of its selection probability and hence the expansion factor.
från övriga utlandet, med undantag av banker
In case 2, where the sample is relatively larger for the population, no reporting agent is taken out of the sample.
Inlåning över natten i andra valutor
In case 3, if the largest institutions are selected, the sample is adjusted by selecting additional institutions according to their size.
OMFI-skulder
Over time, the sample will be adjusted to take account of changes in the characteristics of the reporting agents.
Betalningsmedel som används av kreditinstitut
These changes can occur because of mergers, divisions, growth of the institutions, etc.
Inlåning över natten i euro vid andra kreditinstitut
Some reporting agents may change stratum.
Intradagslån i euro från centralbanken (genomsnitt den sista perioden då kravet ska uppfyllas)
As in cases 2 and 3 for leavers, the sample is adjusted by means of an established statistical method derived from the theory of sampling.
Betalningsmedel som används av icke-MFI – tillgångar eller fordringar avseende tillgångar som kan användas av icke-MFI för betalningar.
New selection probabilities and hence weights are allocated where NCBs carry out random sampling.
Inlåning över natten – enligt definitionen i ”Instrumentkategorier” i del 2 i bilaga II till förordning (EU) nr 1071/2013 (ECB/2013/33).
Further sampling issues
Samtliga konton ingår, oavsett vilken valuta de är denominerade i. ”Inlåning över natten i andra valutor” är därför en underkategori till ”inlåning över natten”.
Consistency
Inlåning över natten i andra valutor – värdet av inlåning över natten av icke-MFI i andra valutor.
In order to achieve consistency between MFI interest rate statistics on outstanding amounts referring to deposits and to loans and on new business referring to deposits and to loans, NCBs that choose the sampling approach must use the same reporting agents to collect these statistics.
Betalningsmedel som används av kreditinstitut – tillgångar eller fordringar avseende tillgångar som kan användas av kreditinstitut för betalningar.
NCBs may also use the sampling approach for a sub-set of MFI interest rate statistics and a census for the rest.
Intradagslån i euro från centralbanken (genomsnitt den sista perioden då kravet ska uppfyllas) – totala värdet för den kreditgivning från centralbanken till kreditinstitut som återbetalas inom en bankdag.
They may not, however, use two or more different samples.
Detta är genomsnittet av det dagliga maxvärdet för samtidiga och faktiska kreditposter eller kredituttag på intradagsbasis från faciliteter för intradagskrediter under dagen för alla kreditinstitut totalt.
Financial innovation
Samtliga dagar under uppfyllandeperioden, inklusive veckoslut och helgdagar, beaktas i detta genomsnitt.
In the sample procedure, NCBs do not need to cover each product that exists at national level.
Institut som tillhandahåller betaltjänster till icke-MFI
However, they cannot exclude a whole instrument category on the grounds that the amounts involved are very small.
Slutet av perioden, originalenheter om inget annat anges, värde i miljoner euro
Hence, if an instrument category is only offered by one institution, then this institution should be included in the sample.
Antal
If an instrument category did not exist in a euro area Member State at the time of the initial drawing of the sample, but is introduced by an institution thereafter, this institution should be included in the sample at the time of the next representativity check.
Antal kontor
If a new product is created, the institutions in the sample should cover it in the next report, as all reporting agents are required to report on all their products.
Inlåning över natten, antal (1000-tal)
Section 4:
varav:
National weighted average interest rates and national total business volumes
Kreditinstitut som är rättsligt erkända i det rapporterande landet
NCBs receive weighted average interest rates and related amounts of business from all their actual resident reporting agents and calculate national weighted average interest rates for each instrument category on the basis of grossed-up business volumes per stratum.
Inlåning över natten av icke-MFI, värde
The data are reported to the ECB.
Filialer till kreditinstitut baserade i euroområdet
In addition, for each of indicators 2 to 4, 8 to 11, 13 to 22, 33 to 35 and 37 to 85 in Appendix 2 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), NCBs provide the amount of new business conducted at national level in each instrument category during the reference month.
Övriga betaltjänstleverantörer
For the instrument categories referring to renegotiated loans to households and non-financial corporations (indicators 88 to 91 in Appendix 2 to Annex I to Regulation (EU) No 1072/2013 (ECB/2013/34), only information on volumes is required, and information on interest rates is collected on a best efforts basis.
Inlåning över natten av icke-MFI, antal (1000-tal)
These amounts of new business refer to the population total, i.e. to the entire reference reporting population and, similarly to the other new business volumes, this figure is estimated through the grossing-up procedure illustrated in paragraphs 38 to 40.
Memorandumposter:
If random sampling or the selection of the largest institutions is used to select the reporting agents, expansion factors are used for grossing up the business volumes.
Det totala antalet betalningsinstitut som är verksamma i landet på gränsöverskridande basis
Grossing up is applied at stratum level.
 antalet betalningsinstitut som tillhandahåller tjänster genom en etablerad filial
If the random sampling approach is used, the expansion factors are defined as the inverse of the selection probabilities πi, i.e. 1/πi.
 antalet betalningsinstitut som tillhandahåller tjänster genom ombud
The estimated amount of new business for the population total B is then computed by means of the following generic formula:
 antalet betalningsinstitut som tillhandahåller tjänster utan att etablera en filial eller att använda ombud
B as the total business volume
Tabell 2 utgör ett komplement till tabell 1 i förordning (EU) nr 1409/2013 (ECB/2013/43).
as the amount of new business of institution i
Antal kontor – antal driftsställen i det rapporterande landet.
as the probability of selecting institution i
Varje driftsställe som har etablerats i samma rapporterande land räknas separat.
If the selection of the largest institution approach is used, the expansion factors for each stratum are defined as the inverse of the stratum coverage ratio by means of the following formula:
Detta omfattar endast kontor som tillhandahåller betaltjänster med kontantlös clearing och avveckling (oberoende av storlek och öppethållandetider), däremot inte mobila kontor.
as the total volume within stratum j
Institutets huvudkontor räknas som ett kontor under förutsättning att det tillhandahåller betaltjänster med kontantlös clearing och avveckling.
as the volume within each stratum j for the institution i
Filial – ett driftsställe (ej huvudkontoret) som är beläget i det rapporterande landet och som har etablerats av ett kreditinstitut som är rättsligt erkänt i ett annat land.
as the number of credit institutions non-sampled in the stratum j
Det saknar rättskapacitet och utför självständigt alla eller vissa av de transaktioner som är hänförliga till kreditinstitutens verksamhet.
as the number of credit institutions sampled in the stratum j.
Alla driftsställen i det rapporterande landet som etablerats av ett institut som är rättsligt erkänt i ett annat land utgör en enda filial.
Expansion factors EFj as defined in paragraph 40 in respect of new business are calculated by replacing new business volumes by the related outstanding amounts.
Var och ett av dessa driftsställen räknas som ett individuellt kontor.
The grossed-up volume of stratum j is then calculated as the expansion factor for stratum j multiplied by the reported volume for stratum j.
Filial till ett kreditinstitut baserat i euroområdet – en filial (som är belägen i det rapporterande landet) till ett kreditinstitut som är rättsligt erkänt inom euroområdet men utanför det rapporterande landet.
NCBs provide the MFI interest rates on outstanding amounts and on new business to the ECB to four decimal places.
Filial till ett kreditinstitut som inte är baserat i EES – en filial (belägen i det rapporterande landet) till en bank baserad utanför EES-området.
This is without prejudice to any decisions taken by the NCBs on the level of precision they wish to apply in collecting the data.
Filial till ett kreditinstitut baserat i EES (utanför euroområdet) – en filial (som är belägen i det rapporterande landet) till ett kreditinstitut som är rättsligt erkänt i ett EES-land utanför det rapporterande landet och utanför euroområdet.
The published results do not contain more than two decimal places.
Betalningsinstitut som är verksamma i landet på gränsöverskridande basis – betalningsinstitut som är belägna utanför det rapporterande landet men som är verksamma i det rapporterande landet genom en etablerad filial, ett ombud eller genom distansdeltagande.
NCBs document any (changes in) regulatory arrangements affecting MFI interest rate statistics in the methodological notes that are provided with the national data.
Betalningstransaktioner där icke-MFI berörs
NCBs that choose a sampling approach for the selection of the reporting agents provide an estimate of the sampling error for the initial sample.
Totalt för perioden, antal transaktioner i miljoner, värdet av transaktioner i miljoner euro, årsfrekvens
A new estimate is provided after each maintenance of the sample.
Skickade
PART 15
Mottagna
Treatment of specific products for MFI interest rate statistics
Memorandumposter
The treatment of the products defined in the following paragraphs should be used as a reference for products with similar characteristics.
Antal transaktioner
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.
Värdet av transaktioner
Step-up (step-down) deposits and loans are instruments with fixed interest rates over the whole maturity.
Transaktioner per kategori av betalningsinstrument
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.
Betalningsöverföringar
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.
Som initieras elektroniskt
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’.
Som initieras som en enskild betalning
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.
Internetbankbaserade e-betalningar
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.
Kontokrediteringar genom en enkel bokföringstransaktion
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).
Kontodebiteringar genom en enkel bokföringstransaktion
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).
Penningöverföringar
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.
Transaktioner via telekommunikation, digital teknik eller informationsteknik
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.
Tabell 3 utgör ett komplement till tabell 4 i förordning (EU) nr 1409/2013 (ECB/2013/43).
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.
Internetbankbaserade e-betalningar – transaktioner som initieras genom internetbanksystem och tjänster för betalningsinitiering.
Such an umbrella contract is not covered by MFI interest rate statistics.
Kontokrediteringar genom en enkel bokföringstransaktion – kredittransaktion som initieras av en betaltjänstleverantör (inbegripet utgivare av elektroniska pengar) utan specifik transaktionsanvisning och som utförs genom en enkel bokföringstransaktion, dvs. kreditering av kundens konto utan att några traditionella betalningsinstrument används.
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.
Följande transaktioner ska rapporteras för denna post: a) räntebetalningar från banken, b) utdelningsbetalningar från banken, c) utbetalning av lånebeloppet till kundens löpande konto och d) övriga kontokrediteringar genom en enkel bokföringstransaktion.
Savings deposits with a basic interest rate plus a fidelity and/or growth premium may exist.
Dessa uppgifter ska inte ingå i betalningar.
Only at maturity do the MFI interest rates on outstanding amounts reflect the AAR that is paid by the reporting agent.
Tabell 5
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.
Deltagande i utvalda betalningssystem: Target2
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.
Slutet av perioden, originalenheter, årsfrekvens
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.
Delsystem i Target2
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 deltagare
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.
Direkta deltagare
Hence, only the deposit part that is not invested in securities is covered by MFI interest rate statistics.
Andra direkta deltagare
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.
Övriga finansinstitut
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.
Övriga
As soon as they are transformed into a loan, they are classified as loans to households for house purchases.
Indirekta deltagare
Reporting agents report as new deposit business the interest rate that is agreed at the time the initial deposit is placed.
Tabell 6
The corresponding amount of new business is the amount of money that has been placed.
Betalningar som utförs av utvalda betalningssystem: Target2
The increase of this amount on the deposit over time is only covered by outstanding amounts.
Betalningar och autogireringar
At the time when the deposit is transformed into a loan, this new loan is recorded as new lending business.
Inom samma delsystem i Target2
The interest rate is the discounted rate that is being offered by the reporting agent.
Till ett annat delsystem i Target2
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.
Till ett delsystem i Target2 utanför euroområdet
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.
Koncentrationskvot