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Lending and bank guarantees, past due and nonperforming assets and impairment losses

FIN-FSA quarterly publishes statistics on deposit bank lending, bank guarantees and past due and nonperforming assets by sector and industrial category.

A new definition of nonperforming assets is based on a technical standard prepared by the European Banking Authority (EBA) on supervisory reporting on forbearance and non-performing exposures under article 99(4) of Regulation (EU) No 575/2013.

In accordance with the new definition, nonperforming assets include the following new items:

  • not past due exposures, debtor unlikely to pay
  • exposures past due by less than 90 days , debtor unlikely to pay.

Supervised entities should now report gross nonperforming assets instead of previous net amounts. The gross amount includes asset impairment losses, whereas impairment losses have been deducted from net assets.

FIN-FSA has on its website provided monthly statistics on net nonperforming assets up to 12/2013. As a result of the change in definition, these net time-series statistics are no longer provided.

New statistics will be provided starting from 12/2014. They will include lending and bank guarantees, past due and nonperforming assets and impairment losses. The statistics will be provided quarterly.
Total lendings include Aktia Bank, Danske Bank Finland, Evli Bank, the Mortgage Society, Nordea, Oma Savings Bank, OP, local cooperative banks (POP), S-Bank, savings banks prior to the amalgamation, Central Bank of Savings Banks Finland, Ålandsbanken and foreign credit institutions’ Finnish branches engaged in deposit bank activities and subject to reporting requirements.

Statistics based on the old definition are no longer updated.

Contact information

​Ms Tülin Bedretdin, Risk Specialist​, tel. +358 10 831 5429

 

17 August 2015

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