Concepts




Outstanding credit


The item "outstanding credit" includes outstanding euro denominated credit and outstanding foreign currency denominated credit. Euro denominated credit includes euro denominated loans and advances, loans granted from central government funds, as well as bonds and debentures classified as investments. Foreign currency denominated credit includes foreign currency denominated loans and advances, as well as foreign currency denominated bonds classified as investments.

The item "outstanding loans", both euro and foreign currency denominated, includes overdrafts, bills of exchange, promissory notes and other loans.

The item "bonds classified as investments" includes bonds and debentures that are recorded as investment assets. In the case of credit institutions, the item includes transferable bonds and debentures. In the case of insurance companies, the item includes bonds and debentures classified as investments.

Three different concepts of outstanding credit are used for statistical purposes.

1. Total lending:
This item includes all loans granted by a sector, i.e.:
- loans to the public,
- loans to foreign borrowers,
- loans between financial institutions, central government and social security funds.

Loans granted from central government funds are included twice in total lending:
a) first as central government credit to the banking sector, and a second time as loans from the banking sector to the public,
b) first as central government credit to the municipal sector, and a second time as loans to the public.

2. Loans to the public:
Loans to the public equals total lending minus loans to foreign borrowers and overlapping credit (loans between financial institutions, central government and social security funds as well as loans intermediated from central government funds).

3. Loans to enterprises and entrepreneur households:
This item includes loans to sectors 1 (enterprises) and 51 (households of employers and own-account workers). The item appears as a sum total in tables where loans are classified by the borrower's economic activity.

Loans to sectors 1 and 51 include housing loans granted to these sectors.



Statistics using the definition

Validity of the definition

  • Valid until (31 December 2078)

Source organisation

  • Tilastokeskus

The item "outstanding credit" includes outstanding euro denominated credit and outstanding foreign currency denominated credit. Euro denominated credit includes euro denominated loans and advances, loans granted from central government funds, as well as bonds and debentures classified as investments. Foreign currency denominated credit includes foreign currency denominated loans and advances, as well as foreign currency denominated bonds classified as investments.

The item "outstanding loans", both euro and foreign currency denominated, includes overdrafts, bills of exchange, promissory notes and other loans.

The item "bonds classified as investments" includes bonds and debentures that are recorded as investment assets. In the case of credit institutions, the item includes transferable bonds and debentures. In the case of insurance companies, the item includes bonds and debentures classified as investments.

Three different concepts of outstanding credit are used for statistical purposes.

1. Total lending:
This item includes all loans granted by a sector, i.e.:
- loans to the public,
- loans to foreign borrowers,
- loans between financial institutions, central government and social security funds.

Loans granted from central government funds are included twice in total lending:
a) first as central government credit to the banking sector, and a second time as loans from the banking sector to the public,
b) first as central government credit to the municipal sector, and a second time as loans to the public.

2. Loans to the public:
Loans to the public equals total lending minus loans to foreign borrowers and overlapping credit (loans between financial institutions, central government and social security funds as well as loans intermediated from central government funds).

3. Loans to enterprises and entrepreneur households:
This item includes loans to sectors 1 (enterprises) and 51 (households of employers and own-account workers). The item appears as a sum total in tables where loans are classified by the borrower's economic activity.

Loans to sectors 1 and 51 include housing loans granted to these sectors.



Statistics using the definition

Validity of the definition

  • Valid until (31 December 2078)

Source organisation

  • Tilastokeskus

Jaa