Search results 57

www.stat.fi/meta/kas/tilisaaminen_en.html

Credits included in the outstanding credit for which usually a promissory note is a proof. Accounts re-ceivable from an employer enterprise or a real estate company belonging to the group are not inc…

www.stat.fi/meta/kas/aktiiv_korttiti_en.html

Active card accounts include all accounts that have been used at least once during the year.

www.stat.fi/meta/kas/aktiiv_korttiti_en.html

Active card accounts include all accounts that have been used at least once during the year.

www.stat.fi/meta/kas/vars_luottokort_en.html

Actual credit cards usually offer flexible credit for a period of at least one month and as long as several years. Most of the retail credit cards belong to this category.

Whether a card shoul…

www.stat.fi/meta/kas/keskimaarainen_en.html

The average maturity of new credits granted during the quarter, days.
The arithmetic mean of original maturities (agreed at the time of borrowing) of new credits granted during the quarter.

www.stat.fi/meta/kas/vekseli_en.html

A bill of exchange is a payment order issued by the drawer, or a debt instrument signed by the drawee. This category includes the balance of bills receivable granted from own assets or intermediated …

www.stat.fi/meta/kas/joukkovelkakirj_en.html

Bonds belong to capital market claims (original maturity of over 12 months) such as ordinary bonds (reference loans/benchmark loans), debentures, warrant bonds of bond format, convertible bonds and p…

www.stat.fi/meta/kas/optiolainat_en.html

A bond with equity warrants is a bond that involves warrants. A bond with an equity warrant is sold on the primary market with its warrant attached. However, the two components have separate secondar…

www.stat.fi/meta/kas/paaomamarkkinav_en.html

Of bonds: reference loans (benchmark loans), debentures, bonds with equity warrants, convertible bonds, perpetuals and other capital market claims (excl. shares).

www.stat.fi/meta/kas/sijoitustodistu_en.html

A certificate of deposit is a zero-interest negotiable bearer instrument issued by the Bank of Finland or deposit banks. Certificate of deposit bearer instruments issued abroad are included in certif…

www.stat.fi/meta/kas/maksuaikakortti_en.html

Charge cards usually offer interest free credit of up to two months (e.g. Visa, and customer cards provided by petroleum companies).

Whether a card should be categorised as a charge card or a …

www.stat.fi/meta/kas/luottokorttisaa_en.html

Claims of the credit institution in respect of overdrafts of customers who have entered into a credit card agreement.

Convenience credit card credit:
Convenience credit card credit is defin…

www.stat.fi/meta/kas/osamaksusopimus_en.html

This category includes claims in respect of hire purchase contracts, financial services of hire purchase transactions, financing of hire purchase sales, financing of acquisitions, and other financing…

www.stat.fi/meta/kas/yritystodistus_en.html

A commercial paper is a zero-interest negotiable bearer instrument issued by a company or a credit institution. Commercial papers and euronotes (bearer instruments) issued abroad are included in com…

www.stat.fi/meta/kas/ostolaskujen_ra_en.html

Financing of the accounts payable of a company that have originated from acquisitions of current assets and fixed assets based on a financing agreement between the company and the credit institution.…

www.stat.fi/meta/kas/kulutusluotto_en.html

Loans granted to households for the purchase of consumer goods and services intended for personal use.
The item includes all bank account overdrafts and credit card credits, including those on che…

www.stat.fi/meta/kas/vaihtovelkakirj_en.html

Convertible bonds are bonds that the holder may convert into a specified number of the issuer's shares within a specific period. Convertible bonds differ from bonds with equity warrants in that …

www.stat.fi/meta/kas/luottokorttiluo_en.html

None

www.stat.fi/meta/kas/luottokorttiluo_en.html

The unpaid capital of actual credit card credits (extended credit card credits) and convenience credits at the end of the quarter.

www.stat.fi/meta/kas/korttivelka_en.html

Unpaid portion of the credit card debt at the end of the year. Includes unpaid interests added to the debt capital by the credit card company.

www.stat.fi/meta/kas/korttivelka_en.html

Unpaid portion of the credit card debt at the end of the year. Includes unpaid interests added to the debt capital by the credit card company.

www.stat.fi/meta/kas/luottotappio_en.html

Allocated credit loss reserves are removed from the outstanding credit only when they are directed to the customer and the credit loss is recorded.

www.stat.fi/meta/kas/debentuuri_en.html

Debentures are bonds with a lower priority than that of the issuer's other commitments.

www.stat.fi/meta/kas/omaisuudenhoito_en.html

Zero-interest bearer instruments issued by asset management companies.

www.stat.fi/meta/kas/kayttoleasing_en.html

A short term contract, closely resembling a rental contract, that can be revoked by the lessee before the end of contract period if he so wishes. The asset can be leased to several successive lessees…

www.stat.fi/meta/kas/laskusaamisten_en.html

In factoring, a firm converts its accounts receivable into cash by turning them over to a credit institu-tion/financing company in exchange for working capital. The capital given to enterprises as fi…

www.stat.fi/meta/kas/rahoitusleasing_en.html

The parties of financial leasing are the seller of the object, the financing enterprise and the lessee.

An arrangement whereby a finance company acquires an asset that the lessee needs, and le…

www.stat.fi/meta/kas/yleis_luottokor_en.html

General credit cards are usually issued by bank-owned financial companies and are accepted by nearly all retailers. The category is based on the classification used by the Finnish Bankers' Assoc…

www.stat.fi/meta/kas/asuntoluotot_en.html

Loans granted for the development or purchase of residential buildings or shares or equity in housing companies or co-operatives, or residential real estate companies. In addition, the category inclu…

www.stat.fi/meta/kas/vapaa_ajan_asun_en.html

Loans granted for the purchase or renovation of new or old free-time residences, including loans for refurbishments of lesser scope than basic renovation.

www.stat.fi/meta/kas/leasingkohteet_en.html

The undepreciated balance of the acquisition cost of the assets subject to lease, including any advance payments made in respect of the assets.

www.stat.fi/meta/kas/antolainaus_en.html

Lending I:
Overdrafts on current accounts
Bills of exchange
Promissory note loans
Lending II:
Claims in respect to hire purchase contracts
Factoring (accounts receivable funding)

www.stat.fi/meta/kas/kuntatodistukse_en.html

A marketable money market promissory note issued by local government.

www.stat.fi/meta/kas/fuusio_en.html

The portfolio data of a merging financial institution are not reported as new credits in the outstanding credit. After the merger, Statistics Finland adds up the outstanding credit of the merged fina…

www.stat.fi/meta/kas/rahamarkkinasij_en.html

The item includes investments in the wholesale money market.

www.stat.fi/meta/kas/rahamarkkinapap_en.html

Short-term (original maturity not more than 12 months) marketable money market claims, such as certificates of deposits, commercial papers and local authority papers, treasury bills and debt instrume…

www.stat.fi/meta/kas/rahamarkkinavel_en.html

The item includes non-marketable money market claims based on promissory notes.
Non-marketable money market promissory notes are not included in outstanding credit.

www.stat.fi/meta/kas/uusi_luotto_en.html

The concept includes withdrawals of new credits and renewal of credits with substantially changed conditions.
Changes to interest rate tying alone do not constitute such changes if other condition…

www.stat.fi/meta/kas/asiakaslukumaar_en.html

Number of customers of small loan companies during a quarter. All persons to whom new credit has been granted during the quarter are counted as customers. A customer who has raised several credits wi…

www.stat.fi/meta/kas/muu_joukkovelka_en.html

Other bonds than a debenture or a reference loan issued by central government. This category includes such as medium term notes.

www.stat.fi/meta/kas/muut_paaomamark_en.html

This category includes such as medium term note certificates.

www.stat.fi/meta/kas/muu_luotonanto_en.html

This category comprises lending items included in lending II. Such items include contract financing not related to hire purchase contracts and inventory financing related to the financing of working …

www.stat.fi/meta/kas/muu_kayttotarko_en.html

Loans granted for e.g. business activity (production purposes), arrangement of debts and other similar purposes.
A credit granted to a farmer for the purchase of seed grain or a tractor is not con…

www.stat.fi/meta/kas/luottokanta_en.html

The item "outstanding credit" includes outstanding euro denominated credit and outstanding foreign currency denominated credit. Euro denominated credit includes euro denominated loans and a…

www.stat.fi/meta/kas/valuuttaluottok_en.html

Outstanding credit in foreign currency = lending in other currencies than euro + bonds classified as investments denominated in other currencies than euro.

www.stat.fi/meta/kas/sekkitililuotot_en.html

Overdrafts on current accounts (not of promissory note format) include the balances of all accounts with overdraft facility at the end of a quarter. The total amount of the credit is reported irrespe…

www.stat.fi/meta/kas/ikuiset_lainat_en.html

This category consists of perpetual debt securities. It is characteristic of perpetuals that the debtor is committed to pay interest at a specified rate, usually linked to money market interest rates…

www.stat.fi/meta/kas/velkakirjalaina_en.html

The outstanding balance on promissory notes granted by financial institutions from depository assets (or by insurance corporations from insurance funds) or from equity capital. Loans granted by insti…

www.stat.fi/meta/kas/kiinteistoleasi_en.html

A form of financial leasing of immovable property. Sale and leaseback of immovable property is an arrangement where the owner of a property sells the property to a finance company and immediately lea…

www.stat.fi/meta/kas/viitelaina_ben_en.html

The reference loan refers to serial bonds or housing bonds issued in large quantities by the state and quoted constantly by primary dealers. The yield on these bonds indicates the risk-free market in…

www.stat.fi/meta/kas/repo_ostot_en.html

The balance sheet includes repos based on binding resale commitments at purchase price. Repos are part of the credit institution's lending. The credit institution acts as the buyer (investor) an…

www.stat.fi/meta/kas/erityis_luottok_en.html

Retail credit cards are accepted at designated retail outlets. Retail credit cards usually offer interest-bearing credit of more than two months.

www.stat.fi/meta/kas/osakkeet_ja_osu_en.html

Shares and equity, excluding mutual funds shares. The category includes shares in limited companies and corresponding participations in the share capital of other company forms, excluding mutual fund…

www.stat.fi/meta/kas/pienlainayritys_en.html

A company whose principal business activity is granting of small or smallish unsecured consumer credits with a typical original maturity, or repayment term, of less than three months. These loans are…

www.stat.fi/meta/kas/opintolaina_en.html

Loans granted to private persons for studies or financing of study trips and similar.

www.stat.fi/meta/kas/koko_luotonanat_en.html

Total lending includes all credits granted by the lender sector to be described. Included are thus
-Loans to the public
-Loans to foreign borrowers
-Loans between financial corporations, cen…

www.stat.fi/meta/kas/valtion_velkasi_en.html

A treasury bill is a zero-interest negotiable bearer instrument issued by a central government (not only that of Finland).