MNB Decree No. 32/2009 - Magyar Nemzeti Bank

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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 contractual value of new contracts denominated in euro and in CHF and their end-of-month portfolio shall be converted to forint at the official FX exchange rate announced by the MNB on the last day of the reference period. 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 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. In the case of housing loans subsidised by state and granted until 1 July 2009 the following methods should be followed: With respect to housing loans, the amount of the assets-side interest rate subsidy shall be added to the interest rate charged to the customer in the case of facilities subsidised exclusively on the assets side. In the case of facilities subsidised exclusively on the assets side and those subsidised on both the assets and liabilities sides, non-mortgage bank reporting institutions shall perform interest rate correction in the following manner: – In the case of used home purchase loans, 40% of the amount of the yield on government securities with an original agreed maturity that coincides the most closely with the fixed interest rate period set in the loan agreement, considered as reference yield under Article 12 (3) of Government Decree 12/2001 (I. 31.) on Housing Subsidies and promulgated for the reporting period on the website of the Government Debt Management Agency (ÁKK) shall be added to the interest rate charged to the customer. – In the case of new-house purchased loans, 60% of the amount of the yield on government securities defined above shall be added to the interest rate charged to the customer. Mortgage bank data providers shall adjust the interest rate charged to the customer with the amount of the assets and liabilities side subsidy received in the reporting month. Loans extended by non-mortgage bank data providers that they are likely to transfer/sell to mortgage bank data providers shall qualify as facilities subsidised on the liabilities side. After October 1 2009 with respect to housing loans, the amount of interest rate subsidy which is defined by Article 5 (3) and (4) of Government Decree 134/2009 (VI. 23.) on State subsidising of housing loans of the youth and families with children shall be added to the interest rate charged to the customer in the case of facilities subsidised. Subsidised facilities shall be adjusted in the above manner also in the case of the tables showing new businesses and outstanding amounts. As regards the products where the entire loan term begins with a discounted interest rate that later goes up to the normal (not discounted) rate, for the purposes of calculation of the annual percentage rate of charge the discounted rate shall apply only for the discount term, while the normal rate known at the time of contracting shall apply for the remaining term. 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. 270
5. Annual percentage rate of charge The annual percentage rate of charge for new contracts shall be calculated on the basis of the formulas defined in relation to the calculation of the annual percentage rate of charge set out in Government Decree 41/1997 (III. 5.) on the Calculation and publication of deposit interest, yield on securities and the full loan charge, with the following exceptions: a) When calculating the annual percentage rate of charge, in addition to the aforementioned, the terms of the contract must also be regarded. b) The charge shall also be determined in relation to loans with a maturity of less than 3 months. c) For loans with subsidised interest rates, the interest rate which has been corrected with subsidies should be applied when calculating the annual percentage rate of charge. The annual percentage rate of charge is greater or equal to the annualised interest rate reported in the given row. 6. 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) Consumer loans, housing loans and other loans are classified not according to the original maturity, but according to the initial period of the interest rate fixation (fixed interest rates). In the tables showing outstanding amounts (Tables 02, 04, 06, 08, 10 and 12) loans and fixed deposits are to be classified into categories on the basis of original maturity. 7. Instruments A table showing the relationship between the instrument categories applied to the supervisory balance sheet and to this report 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 are to be applied in the same manner as in the supervisory balance sheet, namely, average interest rates are to be reported for such outstanding amounts that are also shown in the supervisory balance sheet. 271
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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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MNB identification number: D01 Oper
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2. Unless otherwise provided in the
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MNB identification number: D24 Cent
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MNB identification number: D24 C1.
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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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MNB identification code: E61, E62 I
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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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HFSA identification number: F01_F03
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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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HFSA identification number: 2A 07 t
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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 identification code: F02 Statis
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adjustments and valuation differenc
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Valuation adjustment of non-financi
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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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MNB identification code: P05 Credit
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MNB identification code: P05 Credit
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MNB identification code: P07 Bank i
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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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accounts for its clearing members a
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. MNB identification number: R03 TB
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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 identification code: W13 I. Gen
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MNB identification code: Z01 Comple
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MNB Decree No. 32/2009 - Magyar Nemzeti Bank

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