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, 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.

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.

MFI list

Current instructions

*Not up to date with the current XML format

Instructions (RATI)

Validation Checks (RATI)

Code lists (RATI)

Description of electronic reporting (RATI)

RATI Schema files XSD (RATI)

Consolidated data collection (KOTI)

The KOTI data is used by BIS to compile statistics on international banking activity. The latest statistics releases can be found here. 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.

Current instructions

Validation checks (KOTI)

Code lists (KOTI/KOIA)

Schema files XSD (KOTI)

Description of electronic reporting (KOTI)

Validation checks (KOIA)

Description of electronic reporting (KOIA)

The collection of statistical data is based on the following regulations

Regulation concerning the balance sheet of the MFI sector (ECB/2013/33, as amended by ECB/2014/51, repealed by ECB/2021/2)
Regulation concerning the balance sheet of the MFI sector (ECB/2021/2), valid from 26th June 2021
Regulation concerning statistics on interest rates applied by monetary financial institutions (ECB/2013/34, as amended by ECB/2014/30)
Regulation concerning statistics on holdings of securities (ECB/2012/24, as amended by ECB/2015/18 and ECB/2016/22, and ECB/2018/7)
Regulation concerning statistics on the money markets (ECB/2014/48, as amended by ECB/2020/58)
Guideline on monetary and financial statistics (ECB/2014/15, as amended by ECB/2014/43 and ECB/2015/44, repealed by ECB/2021/16)
Guideline on balance sheet item statistics and interest rate statistics of monetary financial institutions (ECB/2021/11)
Guideline on external statistics (ECB/2011/23, as amended by ECB/2013/25 and ECB/2015/39 and ECB/2018/19 and ECB/2020/52, and ECB/2022/23)
BIS guidelines (2019)
Regulation on infringement procedures in cases of non-compliance with statistical reporting requirements and repealing Decision ECB/2010/10 (ECB/2022/31)