TABLE SP1 Preliminary unaudited data on credit institutions

TABLE SP2 Audited data on credit institutions 

Tables "Preliminary unaudited data on credit institutions/Audited data on credit institutions" show, individually and aggregately, basic data on credit institutions operations (banks, savings banks and housing savings banks): total assets, standard off-balance sheet items, profit and regulatory capital (and its components) and total capital ratios. 
The table has been compiled based on data reported by credit institutions to the Croatian National Bank. Responsibility for all data given in this table lies with the reporting credit institutions. The sole purpose of this table is informative; it neither constitutes the official policy nor a supervisory guideline of the Croatian National Bank. All conclusions derived from the data provided are those of the users and cannot be attributed to the Croatian National Bank.
Data are published for the following reporting dates: 31 March, 30 June, 30 September and 31 December, and the deadline for publishing is 60 calendar days after the reporting date. If the date of publishing falls on a non-working day or a holiday, the publishing is moved to the next working day.

TABLE SP3 Loan quality by sectors

The table contains aggregated unconsolidated data for authorised banks and savings banks.  
This table shows the loan amounts, the amounts of partly recoverable and fully irrecoverable loans, the amounts of due but unpaid loan receivables and value adjustments of partly recoverable and fully irrecoverable loans for selected sectors and types of household loans. Data on loans are reported on a gross basis, and refer to loan principal (interest excluded). From 31 March 2010 on, data on loans include exclusively loans distributed in the loans and receivables portfolio, while loans to non-profit institutions serving households are included in household loans. As of 31 December 2013, loan amount is reduced by the amount of collected fees (formerly recorded as deferred income in liabilities).
The table has been compiled based on data reported by banks and savings banks to the Croatian National Bank. Responsibility for all data given in this table lies with the reporting banks and savings banks. The sole purpose of this table is informative; it neither constitutes the official policy nor a supervisory guideline of the Croatian National Bank. All conclusions derived from the data provided are those of the users and cannot be attributed to the Croatian National Bank.
Data are published for the following reporting dates: 31 March, 30 June, 30 September and 31 December, and the deadline for publishing is 60 calendar days after the reporting date. If the date of publishing falls on a non-working day or a holiday, the publishing is moved to the next working day.

TABLE SP4 Loan quality by currencies

The table contains aggregated unconsolidated data for authorised banks and savings banks. 
This table shows the loan amounts and the amounts of partly recoverable and fully irrecoverable loans for selected currencies, sectors and types of household loans. Loans in foreign currencies include kuna loans with a currency clause. Data on loans are reported on a gross basis, and refer to loan principal (interest excluded). Data on loans include exclusively loans distributed in the loans and receivables portfolio, while loans to non-profit institutions serving households are included in household loans. As of 31 December 2013, loan amount is reduced by the amount of collected fees (formerly recorded as deferred income in liabilities).
The table has been compiled based on data reported by banks and savings banks to the Croatian National Bank. Responsibility for all data given in this table lies with the reporting banks and savings banks. The sole purpose of this table is informative; it neither constitutes the official policy nor a supervisory guideline of the Croatian National Bank. All conclusions derived from the data provided are those of the users and cannot be attributed to the Croatian National Bank.
Data are published for the following reporting dates: 31 March, 30 June, 30 September and 31 December, and the deadline for publishing is 60 calendar days after the reporting date. If the date of publishing falls on a non-working day or a holiday, the publishing is moved to the next working day.

TABLE SP5 Costs of banks' funding  

The table contains aggregated unconsolidated data on interest expenses on the main funding in the balance sheet and data on the position of this funding for the authorised banks and savings banks. 
The main funding includes financial liabilities distributed in the portfolio carried at amortised cost, excluding the following funding: electronic money, liabilities arising from financial lease, liabilities based on fees, liabilities based on announced dividend, liabilities to employees and other (unclassified) liabilities. It also excludes the funding denominated or indexed (with a currency clause) in currencies other than the kuna, the euro, the US dollar and the Swiss franc.

For the selected scopes of sectors and the funding, the positions of this funding are shown at the end of the month, while interest expense of holding this funding is shown during one quarter. Data on positions at the end of the month are reported on a gross basis and refer to the principal (interest excluded). The scope of funds in Scope 1 (Natural persons) and Scope 2 (Natural persons and non-financial sectors) is limited to transaction accounts and deposits, only for those that cannot be classified as a subordinated or hybrid instrument in banks' liabilities and that are not margin deposits. Scope 1 includes only the funding of natural persons, both domestic and foreign. Scope 2 includes the funding of both natural and legal persons, domestic and foreign, except for legal persons from financial sectors. Scope 3 includes all natural and legal persons (including those from financial sectors) and all main funding (transaction accounts, all deposits, including margin deposits, hybrid and subordinated instruments as well as loans received and debt securities issued).
Tables have been prepared on the basis of monthly and quarterly data which credit institutions have provided to the Croatian National Bank within the "AA – Balance sheet and off-balance sheet items" and "RA – Income statement" reports from the Decision on statistical and prudential reporting (OG 35/2010, 95/2010, 146/2010, 68/2011, 37/2012, 121/2013 and 41A/2014), applying adjusted relevant rules for the position of financial liabilities evaluated at amortised cost in supervisory reports "Balance sheet (BN1)" and "Income statement (RN)" from the Decision on supervisory reports of credit institutions (OG 41A/2014 and 127/2014).
Responsibility for all data given in these tables lies with the reporting banks and savings banks. The presentation is intended for informational purposes only, and all conclusions derived from the data provided are those of the users and cannot be attributed to the Croatian National Bank. 
Data are published for the following reporting dates: 31 March, 30 June, 30 September and 31 December, and the deadline for publishing is 50 calendar days after the reporting date. If the date of publishing falls on a non-working day or a holiday, the publishing is moved to the next working day.

Table 1 Expenses
Table 1 shows interest expenses for the main funding in the liabilities of banks and savings banks during the observed quarter.
The main funding in credit institutions' liabilities includes transaction accounts, deposits, loans received and debt securities issued. Natural persons also include non-residents. Non-financial sectors include legal persons, residents and non-residents that do not belong to any of the financial sectors. Interest expenses for scopes "Natural persons" and "Natural persons and non-financial sectors" refer only to transaction accounts and deposits that are not margin, hybrid or subordinated. Interest expenses for scope "All natural and legal persons" refer to all natural and legal persons (including those from financial sectors), as well as all of the main bank funding (including margin deposits, hybrid and subordinated instruments and loans received and debt securities issued). "EUR", "CHF" and "USD" include interest expenses on funding in these currencies, as well as on kuna funding indexed in these currencies. "HRK" does not include interest expenses on funding indexed in a foreign currency.

Table 2 Funding
Table 2 shows the main funding in the liabilities of banks and savings banks – positions at the end of the month.
The main funding in credit institutions' liabilities includes transaction accounts, deposits, loans received and debt securities issued. Natural persons also include non-residents. Non-financial sectors include legal persons, residents and non-residents that do not belong to any of the financial sectors. Positions for scopes "Natural persons" and "Natural persons and non-financial sectors" refer only to transaction accounts and deposits that are not margin, hybrid or subordinate. Positions for scope "All natural and legal persons" refer to all natural and legal persons (including those from financial sectors), as well as all of the main bank funding (including margin deposits, hybrid and subordinate instruments and loans received and debt securities issued). "EUR", "CHF" and "USD" include funding in these currencies, as well as kuna funding indexed in these currencies. "HRK" does not include funding indexed in a foreign currency.

TABLE SP6 Prudential data on credit institutions (PDF sa svime)

Prudential data on credit institutions contain aggregated unconsolidated data and individual data for authorised credit institutions. They consist of figures, tables, credit institutions reports and attachments. 
The presentation has been compiled based on data reported by credit institutions to the Croatian National Bank. Responsibility for all data lies with the reporting credit institutions. The sole purpose of this presentation is informative; it neither constitutes the official policy nor a supervisory guideline of the Croatian National Bank. All conclusions derived from the data provided are those of the users and cannot be attributed to the Croatian National Bank.
Data are published for the reporting date of 30 June, no later than by 10 November.
Figures show the basic indicators of credit institutions' operations at an aggregate level. Data for banks (including savings banks) and data for housing savings banks are shown separately. 
Tables show the basic indicators of credit institutions' operations at an aggregate level. Data for banks (including savings banks) and data for housing savings banks are shown separately. 
Credit institutions reports contain the key financial data (balance sheet and off-balance sheet items, income statement) and the total capital ratio of individual credit institutions, as well as their general data (contact data and data on the members of management and supervisory boards, shareholders and auditors).
Attachments contain the list of credit institutions that operated on a specific reporting date and the list and composition of credit institution groups subject to reporting to the CNB on a consolidated basis.