
REGULATION (EU) No 1072/2013 OF THE EUROPEAN CENTRAL BANK of 24 September 2013 concerning statistics on interest rates applied by monetary financial institutions (recast) (ECB/2013/34) (revoked) 

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Definitions
Article 1 
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Actual reporting population
Article 2 
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Statistical reporting requirements
Article 3 
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Derogations
Article 4 
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Verification and compulsory collection
Article 5 
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First reporting
Article 6 
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Repeal
Article 7 
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Final provision
Article 8 
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ANNEX I
REPORTING SCHEME FOR MONETARY FINANCIAL INSTITUTION INTEREST RATE STATISTICS
PART 1 Type of rate 
 I. Annualised agreed rate 
General principle 
 1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 2. If interest payments agreed between the reporting agent and the household or non-financial corporation are capitalised at regular intervals within a year, for example per month or quarter rather than per annum, the agreed rate is annualised by means of the following formula to derive the annualised agreed rate: 

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 3. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Treatment of taxes, subsidies and regulatory arrangements 
 4. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 5. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 6. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 7. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 8. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 II. Annual percentage rate of charge 
 9. In addition to AARs, the reporting agents provide the APRC for new business in respect of consumer credit and loans to households for house purchases, i.e.: 

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 10. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 11. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 III. Convention 
 12. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PART 2 Business coverage 
 13. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 IV. Interest rates on outstanding amounts 
 14. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 15. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 V. New business on overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts 
 16. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 17. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 18. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 VI. New business in instrument categories other than overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts 
 19. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 20. New business is defined as any new agreement between the household or non-financial corporation and the reporting agent. New agreements comprise: 


— all financial contracts, that specify for the first time the interest rate of the deposit or loan, and
— all renegotiations of existing deposit and loan contracts as defined in paragraph 21.
 21. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 22. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 23. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 24. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 25. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 26. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 27. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 VII. Treatment of bad loans and loans for debt restructuring below market conditions 
 28. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PART 3 Time reference point 
 VIII. Time reference point for MFI interest rates on outstanding amounts 
 29. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 30. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 31. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 IX. Time reference point for new business on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts 
 32. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 33. Analogous to the compilation of the interest rates on outstanding amounts contained in Appendix 1, the interest rates on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts are compiled in either of the following manners: 

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 34. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 X. Time reference point for new business (other than overnight deposits, deposit redeemable at notice, credit card debt and revolving loans and overdrafts) 
 35. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 36. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 37. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PART 4 Instrument categories 
 XI. General provisions 
 38. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 39. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 40. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 41. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XII. Breakdown by currency 
 42. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XIII. Breakdown by sector 
 43. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 44. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 45. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XIV. Breakdown by type of instrument 
 46. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 47. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 48. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 49. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 50. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 51. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 52. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 53. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 54. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 55. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XV. Breakdown by amount category 
 56. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XVI. Breakdown by original and residual maturity, notice and interest rate reset period or initial rate fixation 
 57. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 58. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 59. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 60. The following periods of initial rate fixation are distinguished for loans to households: 

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 61. The following periods of initial rate fixation are distinguished for loans to non-financial corporations up to EUR 0,25 million, over EUR 0,25 million up to EUR 1 million and over EUR 1 million: 

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 62. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XVII. Breakdown by secured loans with collateral and/or guarantees 
 63. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 64. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PART 5 Reporting obligations 
 65. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XVIII. Statistical information at the level of the reporting agents 
 66. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 67. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 68. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 69. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 70. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 71. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 72. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
 XIX. National weighted average interest rates and Aggregated results for the euro area Member States 
 73. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Appendix 1Instrument categories for rates on outstanding amounts 

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Appendix 2
Instrument categories for interest rates on new business
An AAR or NDER is reported on a monthly basis for the categories included in Tables 2, 3 and 4. The reporting of the AAR is accompanied by the related business volume if indicated in the tables by the word ‘amount’. For the categories referring to renegotiated loans in Table 6, only information on new business volumes is required.
Categories within Tables 2 (except indicators 33 to 35), 3, 5 and 6 are mutually exclusive within each table. Therefore, a loan reported under any indicator in Table 2 (except indicators 33 to 35) and/or in Table 3 and/or Table 5 and/or Table 6 is not reported again under any other indicator in the same table, except for loans reported in indicators 33 to 35, which are also to be reported under indicators 20 to 22.
All loans reported under any category in Table 3 must also appear in the corresponding categories of Tables 2. As for indicators in Table 4, these are sub-indicators of Tables 2, and, if secured, of Table 3; therefore any loan reported under Table 4 must also appear in Tables 2 and 3 as appropriate. The loans reported under any category in Table 6 must also appear in the appropriate category in Table 2, and, as appropriate, in Tables 3, and 4.
Table 5 refers only to APRC. Loans recorded in Table 5 are also be recorded in Tables 2, 3, 4 and 6 as appropriate, taking into account the different methodology of APRC as contained in paragraph 9.
The concept of new business is extended to the whole stock, i.e. to outstanding amounts in the case of overnight deposits, deposits redeemable at notice, revolving loans and overdrafts and extended credit card credit, i.e. indicators 1, 5, 6, 7, 12, 23, 32, 36.

ANNEX II
MINIMUM STANDARDS TO BE APPLIED BY THE ACTUAL REPORTING POPULATION
Reporting agents must fulfil the following minimum standards to meet the European Central Bank’s (ECB’s) statistical reporting requirements.

1. Minimum standards for transmission: 

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2. Minimum standards for accuracy: 

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3. Minimum standards for compliance with concepts: 

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4. Minimum standards for revisions: 

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ANNEX III
REPEALED REGULATION WITH LIST OF SUCCESSIVE AMENDMENTS
(referred to in Article 7)

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ANNEX IV

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