Concepts and definitions
- Expired guarantees
A guarantee expires as the underlying credit is repaid. Repayment (in full or in part) is normally effected by the debtor. In some instances the guarantor of a loan is required to repay the loan in full or in part, based on a guarantee committed. This instalment also includes net changes in the stock of guarantees brought about by changes in the exchange rates, for example.
- Guarantee commitments
Total amount of central government guarantee commitments at a certain point of time. The amounts do not include interest due.
- Indemnities based on central government guarantees
Indemnities paid to lenders based on central government guarantee commitments, including arrears and interest.
- New guarantees granted
Total amount of state guarantees granted during the reference period.
- Revenues from guarantee fees
Revenues accrued during the reference period from guarantee fees received as commission on the guarantees for which the guarantor (state) is liable.
- Revenues from recovery claims
Revenues accrued by the guarantor from recovery claims based on indemnities paid by the guarantor (state) during the reference period.
- State guarantees
State guarantees are guarantees granted by state institutions and Finnvera. State guarantees are guarantees for which the state is ultimately liable. The state grants guarantees for e.g. business loans, and study and housing loans.
Official Statistics of Finland (OSF):
Central government guarantees [e-publication].
Helsinki: Statistics Finland [referred: 23.5.2013].
Access method: http://www.stat.fi/til/vtak/kas_en.html.
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