REGULATION (EU) No 1072/2013 OF THE EUROPEAN CENTRAL BANK
of 24 September 2013
concerning statistics on interest rates applied by monetary financial institutions (recast)
(ECB/2013/34)
Article 1
Definitions
Article 2
Actual reporting population
Article 3
Statistical reporting requirements
Article 4
Derogations
Article 5
Verification and compulsory collection
Article 6
First reporting
Article 7
Repeal
Article 8
Final provision
ANNEX I
REPORTING SCHEME FOR MONETARY FINANCIAL INSTITUTION INTEREST RATE STATISTICS
PART 1
Type of rate
I.
Annualised agreed rate
General principle
Treatment of taxes, subsidies and regulatory arrangements
II.
Annual percentage rate of charge
III.
Convention
PART 2
Business coverage
IV.
Interest rates on outstanding amounts
V.
New business on overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts
VI.
New business in instrument categories other than overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts
VII.
Treatment of bad loans and loans for debt restructuring below market conditions
PART 3
Time reference point
VIII.
Time reference point for MFI interest rates on outstanding amounts
IX.
Time reference point for new business on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts
X.
Time reference point for new business (other than overnight deposits, deposit redeemable at notice, credit card debt and revolving loans and overdrafts)
PART 4
Instrument categories
XI.
General provisions
XII.
Breakdown by currency
XIII.
Breakdown by sector
XIV.
Breakdown by type of instrument
XV.
Breakdown by amount category
XVI.
Breakdown by original and residual maturity, notice and interest rate reset period or initial rate fixation
XVII.
Breakdown by secured loans with collateral and/or guarantees
PART 5
Reporting obligations
XVIII.
Statistical information at the level of the reporting agents
XIX.
National weighted average interest rates and Aggregated results for the euro area Member States
Appendix 1
Instrument categories for rates on outstanding amounts
|
Sector |
Type of instrument |
Original maturity |
Residual maturity |
Interest rate reset |
Outstanding amount indicator |
Reporting obligation |
Deposits in EUR |
From households |
With agreed maturity |
Up to 2 years |
|
|
1 |
AAR |
Over 2 years |
|
|
2 |
AAR |
|||
From non-financial corporations |
With agreed maturity |
Up to 2 years |
|
|
3 |
AAR |
|
Over 2 years |
|
|
4 |
AAR |
|||
Repos |
|
|
5 |
AAR |
|||
Loans in EUR |
To households |
For house purchases |
Up to 1 year |
|
|
6 |
AAR |
Over 1 and up to 5 years |
|
|
7 |
AAR |
|||
Over 5 years |
|
|
8 |
AAR |
|||
For consumption and other purposes |
Up to 1 year |
|
|
9 |
AAR |
||
Over 1 and up to 5 years |
|
|
10 |
AAR |
|||
Over 5 years |
|
|
11 |
AAR |
|||
Total |
Over 1 year |
|
|
15 |
AAR |
||
up to 1 year |
|
16 |
AAR |
||||
over 1 year |
in the next 12 months |
17 |
AAR |
||||
Over 2 years |
|
|
18 |
AAR |
|||
up to 2 years |
|
19 |
AAR |
||||
over 2 years |
in the next 24 months |
20 |
AAR |
||||
To non-financial corporations |
Up to 1 year |
|
|
12 |
AAR |
||
Over 1 and up to 5 years |
|
|
13 |
AAR |
|||
Over 5 years |
|
|
14 |
AAR |
|||
Over 1 year |
|
|
21 |
AAR |
|||
up to 1 year |
|
22 |
AAR |
||||
over 1 year |
in the next 12 months |
23 |
AAR |
||||
Over 2 years |
|
|
24 |
AAR |
|||
up to 2 years |
|
25 |
AAR |
||||
over 2 years |
in the next 24 months |
26 |
AAR |
Appendix 2
|
Sector |
Type of instrument |
Original maturity, period of notice, initial period of interest rate fixation |
New business indicator |
Reporting obligation |
Deposits in EUR |
From households |
Overnight |
1 |
AAR |
|
With agreed maturity |
Up to 1 year maturity |
2 |
AAR, amount |
||
Over 1 and up to 2 years maturity |
3 |
AAR, amount |
|||
Over 2 years maturity |
4 |
AAR, amount |
|||
Redeemable at notice(1) |
Up to 3 months’ notice |
5 |
AAR |
||
Over 3 months’ notice |
6 |
AAR |
|||
From non-financial corporations |
Overnight |
7 |
AAR |
||
With agreed maturity |
Up to 1 year maturity |
8 |
AAR, amount |
||
Over 1 and up to 2 years maturity |
9 |
AAR, amount |
|||
Over 2 years maturity |
10 |
AAR, amount |
|||
Repos |
11 |
AAR, amount |
|||
Loans in EUR |
To households |
Revolving loans and overdrafts |
12 |
AAR |
|
Extended credit card credit |
32 |
AAR |
|||
For consumption |
Floating rate and up to 1 year period of initial rate fixation |
13 |
AAR, amount |
||
Over 1 and up to 5 years period of initial rate fixation |
14 |
AAR, amount |
|||
Over 5 years period of initial rate fixation |
15 |
AAR, amount |
|||
For house purchases |
Floating rate and up to 1 year period of initial rate fixation |
16 |
AAR, amount |
||
Over 1 and up to 5 years period of initial rate fixation |
17 |
AAR, amount |
|||
Over 5 and up to 10 years period of initial rate fixation |
18 |
AAR, amount |
|||
Over 10 years period of initial rate fixation |
19 |
AAR, amount |
|||
For other purposes |
Floating rate and up to 1 year period of initial rate fixation |
20 |
AAR, amount |
||
Over 1 and up to 5 years period of initial rate fixation |
21 |
AAR, amount |
|||
Over 5 years period of initial rate fixation |
22 |
AAR, amount |
|||
For other purposes, of which: Sole proprietors |
Floating rate and up to 1 year period of initial rate fixation |
33 |
AAR, amount |
||
Over 1 and up to 5 years period of initial rate fixation |
34 |
AAR, amount |
|||
Over 5 years period of initial rate fixation |
35 |
AAR, amount |
|||
Loans in EUR |
To non-financial corporations |
Revolving loans and overdrafts |
23 |
AAR |
|
Extended credit card credit |
36 |
AAR |
|||
Loans up to an amount of EUR 0,25 mn |
Floating rate and up to 3 months period of initial rate fixation |
37 |
AAR, amount |
||
Over 3 months and up to 1 year period of initial rate fixation |
38 |
AAR, amount |
|||
Over 1 and up to 3 year period of initial rate fixation |
39 |
AAR, amount |
|||
Over 3 and up to 5 years period of initial rate fixation |
40 |
AAR, amount |
|||
Over 5 and up to 10 years period of initial rate fixation |
41 |
AAR, amount |
|||
Over 10 years period of initial rate fixation |
42 |
AAR, amount |
|||
Loans over an amount of EUR 0,25 mn and up to EUR 1 mn |
Floating rate and up to 3 months period of initial rate fixation |
43 |
AAR, amount |
||
Over 3 months and up to 1 year period of initial rate fixation |
44 |
AAR, amount |
|||
Over 1 and up to 3 years period of initial rate fixation |
45 |
AAR, amount |
|||
Over 3 and up to 5 years period of initial rate fixation |
46 |
AAR, amount |
|||
Over 5 and up to 10 years period of initial rate fixation |
47 |
AAR, amount |
|||
Over 10 years period of initial rate fixation |
48 |
AAR, amount |
|||
Loans over an amount of EUR 1 mn |
Floating rate and up to 3 months period of initial rate fixation |
49 |
AAR, amount |
||
Over 3 month and up to 1 year period of initial rate fixation |
50 |
AAR, amount |
|||
Over 1 and up to 3 years period of initial rate fixation |
51 |
AAR, amount |
|||
Over 3 and up to 5 years period of initial rate fixation |
52 |
AAR, amount |
|||
Over 5 and up to 10 years period of initial rate fixation |
53 |
AAR, amount |
|||
Over 10 years period of initial rate fixation |
54 |
AAR, amount |
|
Sector |
Type of instrument |
Initial period of interest rate fixation |
New business indicator |
Reporting obligation |
Loans in EUR |
To households |
For consumption |
Floating rate and up to 1 year period of initial rate fixation |
55 |
AAR, amount |
Over 1 and up to 5 years period of initial rate fixation |
56 |
AAR, amount |
|||
Over 5 years period of initial rate fixation |
57 |
AAR, amount |
|||
For house purchases |
Floating rate and up to 1 year period of initial rate fixation |
58 |
AAR, amount |
||
Over 1 and up to 5 years period of initial rate fixation |
59 |
AAR, amount |
|||
Over 5 and up to 10 years period of initial rate fixation |
60 |
AAR, amount |
|||
Over 10 years period of initial rate fixation |
61 |
AAR, amount |
|||
Loans in EUR |
To non-financial corporations |
Loans up to an amount of EUR 0,25 mn |
Floating rate and up to 3 months’ period of initial rate fixation |
62 |
AAR, amount |
Over 3 months and up to 1 year period of initial rate fixation |
63 |
AAR, amount |
|||
Over 1 and up to 3 years’ period of initial rate fixation |
64 |
AAR, amount |
|||
Over 3 and up to 5 years’ period of initial rate fixation |
65 |
AAR, amount |
|||
Over 5 and up to 10 years’ period of initial rate fixation |
66 |
AAR, amount |
|||
Over 10 years’ period of initial rates fixation |
67 |
AAR, amount |
|||
Loans over an amount of EUR 0,25 mn and up to EUR 1 mn |
Floating rate and up to 3 months’ period of initial rate fixation |
68 |
AAR, amount |
||
Over 3 months and up to 1 year period of initial rate fixation |
69 |
AAR, amount |
|||
Over 1 and up to 3 years’ period of initial rate fixation |
70 |
AAR, amount |
|||
Over 3 and up to 5 years’ period of initial rate fixation |
71 |
AAR, amount |
|||
Over 5 and up to 10 years’ period of initial rate fixation |
72 |
AAR, amount |
|||
Over 10 years’ period of initial rate fixation |
73 |
AAR, amount |
|||
Loans over an amount of EUR 1 mn |
Floating rate and up to 3 months’ period of initial rate fixation |
74 |
AAR, amount |
||
Over 3 months and up to 1 year period of initial rate fixation |
75 |
AAR, amount |
|||
Over 1 and up to 3 years’ period of initial rate fixation |
76 |
AAR, amount |
|||
Over 3 and up to 5 years’ period of initial rate fixation |
77 |
AAR, amount |
|||
Over 5 and up to 10 years’ period of initial rate fixation |
78 |
AAR, amount |
|||
Over 10 years’ period of initial rate fixation |
79 |
AAR, amount |
|
Sector |
Type of instrument |
All loans / collateralised/guaranteed loans by original maturity |
New business indicator |
Reporting obligation |
Loans in EUR |
To non-financial corporations |
Loans up to an amount of EUR 0,25 mn |
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year |
80 |
AAR, amount |
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year, only collateralised/guaranteed loans |
81 |
AAR, amount |
|||
Loans over an amount of EUR 0,25 mn and up to EUR 1 mn |
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year |
82 |
AAR, amount |
||
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year, only collateralised/guaranteed loans |
83 |
AAR, amount |
|||
Loans over an amount of EUR 1 mn |
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year |
84 |
AAR, amount |
||
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year, only collateralised/guaranteed loans |
85 |
AAR, amount |
|
Sector |
Type of instrument |
All loans |
New business indicator |
Reporting obligation |
Loans in EUR |
To households |
For consumption |
APRC |
30 |
APRC |
For house purchase |
APRC |
31 |
APRC |
|
Sector |
Type of instrument |
Original maturity, period of notice, initial period of interest rate fixation |
New business indicator |
Reporting obligation |
Loans in EUR |
To households |
For consumption |
total |
88 |
Amount |
For house purchase |
total |
89 |
Amount |
||
For other purposes |
total |
90 |
Amount |
||
To non-financial corporations |
total |
91 |
Amount |
ANNEX II
ANNEX III
REPEALED REGULATION WITH LIST OF SUCCESSIVE AMENDMENTS
(referred to in Article 7)
ANNEX IV
Regulation (EC) No 63/2002 (ECB/2001/18) |
This Regulation |
Article 1 |
Article 1 |
Article 2(1) |
Article 2(1) |
|
Article 2(2) |
|
Article 2(3) |
|
Article 2(4) |
Article 2(2) |
Article 2(5) |
Article 2(3) |
Article 2(6) |
Article 3 |
Article 3 |
|
Article 4 |
Article 4 |
Article 5 |
Article 5 |
Article 6 |
Article 6 |
Article 7 |
|
Article 8 |
Article 7 |
Article 9 |
Annex I(1) |
|
Annex II |
Annex I |
Annex III |
Annex II |
|
Annex III |
Annex IV |
|