MNB Decree No. 32/2009 - Magyar Nemzeti Bank

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MNB identification code: K01 Completion instructions for the report Report on the interest rates of the deposits and loans of non-financial corporations I. General instructions The MNB shall notify in writing the designated data supplier on its obligation to submit a data supply. A glossary of terms used in the tables and in these completion instructions is located in point I.H.3 of this Annex. II. Detailed instructions for the completion of the tables 1. New businesses New contracts shall be included in the reports covering the date/month of the conclusion of the contract. The value of new contracts shall be reported with an accuracy of three decimals, while all data defined in percentages shall be reported with an accuracy of four decimals. For interest rates 0.0000 should be reported, when the interest rate is in fact 0%. If there is no new contract or outstandings with respect to a specific loan product in the given month, the box should be left blank (,,). 2. Outstanding amounts The volume of end-of-month outstandings – except the overdraft row of Table 06 – should not be included in the data supply, because they are identical with the relevant rows in the supervisory balance sheet (with the following exceptions: neither bad loans, nor interest receivables due, but not suspended, stated as credit shall be reported). If the outstandings corresponding to the same line in the supervisory balance sheet are less than HUF 500,000, the interest rate does not have to be included. For outstanding amounts, the prevailing interest rate means the rate which applies to loans and deposits on the last day of the reference month (and not the announced one). For overdrafts and overnight deposits, only actual interest rates and annualised agreed rates on outstanding amounts are to be reported. The portfolio and interest rates of bad loans are not to be included in the weighted average interest rate. When calculating the average interest rate, it is not required to include the amount of interest or interest type commission (if non-interest bearing) that is due, not paid, but not suspended. If a row of the stock tables of the report does not contain interest rates because the related stocks of the supervisory balance sheet only indicate bad debt or interest rates, interest-type commissions recorded among receivables, due but unpaid and not suspended, the “n/a” value shall be reported for the current and annual interest rates, as well. The interest differential recognised on a regular basis as part of the cash-pool service of the interest-pool kind, which does not entail any balance carryover, need not be included in the report. The contractual value of new contracts denominated in euro shall be converted to forint at the official FX exchange rate announced by the MNB on the last day of the reference period. 252
3. Market interest rates and subsidised interest rates The report must include loans and deposits with market interest rates and subsidised interest rates as well. In giving interest statistics, the deposit and loan interest rates that the reporting institution pays for the deposits, or receives on loans are to be reported. If the interest rate paid to or received by the customer differs from the rate that the reporting institution actually pays or receives, then the interest rate defined for the customer is to be corrected, and the corrected interest rate is to be included in the report. 4. Annualised agreed rate Calculation examples for the annualised agreed rate as per point 9 of Annex 3 of this Decree are listed in the technical guidelines available on the official website of the MNB. 5. Fixed interest rates, variable interest rates The classification of loans and deposits in the tables showing new businesses is based on the following: a) deposits with agreed maturity are classified by original maturity, b) loans are classified according to the initial period of the interest rate fixation rather than the original maturity (fixed interest rate). In the tables showing outstanding amounts, loans and deposits shall be classified on the basis of the original maturity. Loans offered to non-financial corporations need to be classified on the basis on the amount and hedge of the relevant loan. HUF loans are to be converted to EUR at the official foreign exchange rate published by the MNB and effective on the last day of the month. 6. Instruments A table showing the relationship between the instrument categories applied to the supervisory balance sheet and to the report K01 is contained in the technical guidelines available on the MNB website, as referred to in point 5 of Annex 3 to this Decree. Value date corrections shall comply with those in the supervisory balance sheet, i.e., average interest rates are to be reported for such outstanding amounts that are also shown in the supervisory balance sheet. 253
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Decree No. 32/2009 (XII.1.) of the
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Identifica tion code E14 E20 E21 E2
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Identifica tion code E61 E62 E64 F0
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Annex 2 to Article 3 (1) of MNB dec
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F) Insurance corporations and pensi
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6.2.4 The following organisations s
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▪ If the reference period falls o
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Unless otherwise provided in the co
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) Interest capitalisation and princ
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If the client may add new funds to
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This construction applies when the
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12. Non-produced, non-financial ass
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10. Documentary deposit: those depo
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(e.g. loss of interest). Deposits w
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MNB identification number: D01 Oper
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2. Unless otherwise provided in the
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other than gold; crude oil; timber;
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• A combination of two caps, one
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• Swap: a nominal principal value
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Please note that boxes O51 and O55
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MNB data collection identification
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3. Reporting of securities stocks S
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5. Dates must be entered in the YYY
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Completion instructions with respec
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q) This is a mandatory field if eit
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Table 02.1 and Table 02.2: Results
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i/ Issue shall be indicated by nega
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c/ and f/ Partner1 is always the se
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Table 02: Cash-flow data of mortgag
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f/ Volume of securities issued by t
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S U P E R V I S O R Y B A L A N C E
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DATA REQUIRED FOR THE CALCULATION O
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Datas on securitisation HFSA identi
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HSFA data collection identification
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HSFA data collection identification
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End of the reference period: Name o
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10. If there are modification needs
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23. The items in the Supervisory ba
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MNB Survey on Lending Practices Con
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p Change in the level of interest r
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MNB Survey on Lending Practices Con
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Senior Loan Officer Survey Corporat
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Other (Please, specify it): 1. 2. S
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Standards and terms (total) Non-fin
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Collateralisation requirements Tigh
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contributed considerably to tighten
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MNB Survey on Lending Practices Cor
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contributed considerably to an incr
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Please, valuate the factors accordi
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V./ V. MNB Survey on Lending Practi
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Commercial real estate loans (total
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Commercial real estate loans (total
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1. contribute considerably to an in
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V./ V. MNB Survey on Lending Practi
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Other( Please, specify it!): 1. 2.
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g p q y Economic outlook Outlook of
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Please, valuate the factors accordi
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MNB identification code: SL1, SL2,
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Table 03: Volume of credit transfer
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Table 19: Volume of rejected direct
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e) Value of all clearing transactio
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⎯ basicly shall be determined on
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If the account holder is a central
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accounts for its clearing members a
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For reports R02/R12, in Tables TBK1
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The Securities (short) name column
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Table ERT5: Price of securities hel
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Column a: Transaction type: the cod
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Monthly data supply of other invest
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The methodological guidelines assis
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In the row indicating the country o
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- other fees and commissions in add
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Balance sheet data of foreign direc
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4. A glossary of terms used in the
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case of individual data the data re
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• additional measures planned,
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MNB Decree No. 32/2009 - Magyar Nemzeti Bank

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