MFI data collection

The Bank of Finland collects statistical data on credit institutions. The RATI survey covers required data for the following: ECB’s and national balance sheet and interest rate statistics, Statistics Finland’s outstanding credit statistics, balance of payments and financial accounts statistics, and the Bank for International Settlement’s (BIS) banking statistics. Under the ECB regulation, the data can also be used for other-than-statistical purposes. Balance sheet data are also used to calculate credit institutions’ reserve requirements. The Financial Supervisory Authority (FIN-FSA) has the right to use the statistical data for supervisory purposes.

Changes in MFI data collection in 2014 (RATI and KOTI)

On this site we will report changes in MFI data collection affecting both RATI and KOTI reporters and taking effect at the beginning of 2014.

Instructions for MFI statistical reporting (RATI and KOTI) 

MFI data collection (RATI)

All credit institutions are obliged to provide statistical data to the Bank of Finland. Small credit institutions can be granted derogations. Such credit institutions are required to submit statistical data on a quarterly basis.

RATI record structure, version 1.6.3, published 15 December 2011 (PDF), valid from reporting period 1 December 2011 RATI record structure, version 1.5.4, published 7 February 2011 (PDF), valid from reporting periods 1 June 2010 to 30 November 2011 RATI Code lists (XML), valid from reporting period 1 October 2012 RATI Code lists (XML), valid from reporting periods 1 December 2011 to 30 September 2012 RATI Code lists (XML), valid from reporting periods 1 June 2010 to 30 November 2011 Code lists, instructions Minimum reporting tables, published 1 June 2010 (EXCEL)

Consolidated data collection (KOTI)

KOTI reporters are MFIs that fulfil the Bank of Finland’s criteria for obligation to report statistical data under KOTI data collection. The Bank of Finland informs the MFIs of their reporting obligation.

KOTI record structure, version 1.4 published 30 June 2010 (PDF) KOTI Code lists, valid from 1 October 2012 (XML) Code lists, instructions Examples, published 30 June 2010 (EXCEL)

Other reporting-related documents

Reporting service instructions (PDF) Terminology, version 1.0 published 17 July 2009 (PDF) Classifications, updated 10 May 2011 (EXCEL)  Timetable for reporting minimum reserves 2013 (PDF)  RATI Reporting Calendar 2013 (PDF)KOTI Reporting Calendar 2013 (PDF)

The collection of statistical data on credit institutions is based on the following acts, regulations and guidelines:

• Regulation concerning the balance sheet of the MFI sector (ECB/2008/32, as amended by ECB/2011/12)
• Regulation concerning statistics on interest rates applied by monetary financial institutions (ECB/2001/18, as amended by regulations ECB/2004/2,  ECB/2009/7 and ECB/2010/7)
• Guideline on monetary, financial institutions and markets statistics (ECB/2007/9, as amended by guidelines ECB/2008/31, ECB/2009/23 and ECB/2011/13)
• Guideline on balance of payments (ECB/2004/15, as amended by ECB/2007/3)
• BIS guidelines Locational Banking Statistics and Consolidated Banking Statistics