The sector breakdown covers corporate/business lending only (~€3.8B). Total market loans including households are ~€6.6B. “Overdrafts & Credit Cards” is an outstanding stock balance, not a new-lending flow, and is excluded from the product flow chart.

Transferable and savings deposits are stock measures (end-of-period balances). Time deposits in this source are flow-based (new originations per month). They are shown separately to avoid analytical misinterpretation. The type breakdown covers HH and Corporate segments only (~€5.0B of ~€7.6B total F08 deposits).

Remittance transaction counts are not available — only value (EUR) is reported. Country breakdown shows percentage shares (Total=100%), not absolute EUR amounts. Pre-2014 data is quarterly/annual only; monthly filter may return no results for those periods. MTO Share = agencies/transfer operators as % of total. Germany + Switzerland concentration measures diaspora corridor dominance.

Deposit maturity buckets (6 buckets from F08) are re-bucketed to match loan maturity (5 buckets from F10). First 4 deposit buckets (up to 1 month through 6–12 months) are combined into “Up to 1 Year”. Positive gap = more loans than deposits in that bucket (funding shortfall). This is contractual (original) maturity, not residual maturity, and does not constitute a full liquidity risk assessment.

Maturity bucketing applies only to time deposits (Depozita tjera). Transferable and savings deposits have no fixed maturity term. Values are end-of-period stocks in EUR millions from F08. NFC combines public and private non-financial corporations.

Income data from CBK Table 14 is cumulative (year-to-date). December values represent full-year totals. Ratios computed from cumulative figures. Cost-to-Income = general & administrative expenses (col 21) / operating income, where operating income = interest income (col 3) + non-interest income (col 8) + revaluation income (col 11) − interest expense (col 13) − non-interest expense (col 17). NIM proxy uses net interest income / total income (not average earning assets, which are unavailable).

Provisions from CBK Table 14, column 19 (cumulative year-to-date income statement). Cost of Risk = full-year cumulative provisions (December) divided by year-end loan stock from Table 02, column 24. Denominator is end-of-period stock, not average loan stock — this is a proxy. No annualization is applied because the numerator already spans 12 months. Provisioning Intensity = cumulative provisions as a share of cumulative net interest income; both are YTD from Table 14, so the ratio is internally consistent. Sector-level CoR (HH vs NFC) is not available — Table 14 reports provisions as a single aggregate. If a month filter is active, the fallback uses the latest available period, which may show a partial-year cumulative figure rather than full-year CoR.

Asset data from CBK Table 02 (DC Survey). Total identified assets = claims on non-residents + domestic credit claims + other claims. This is a monetary statistics presentation (not a full balance sheet), so the “Loan-to-Asset” ratio is a proxy, not a regulatory ratio.

Residual maturity from CBK Table 10 measures time remaining until repayment, unlike contractual (original) maturity from F10 which measures the original term. Residual maturity is more relevant for liquidity risk. Maturity buckets: Up to 1 year, 1–2 years, 2–5 years, 5–10 years, Over 10 years.