The facts
- Who files
- Finnish credit institutions; Finnish branches of foreign deposit-taking credit institutions; Finnish branches of foreign credit institutions providing other than deposit services (basis: 1/2014 section 4, risk reporting by credit institutions, for this group). Source
- How often
- Quarterly, as at 31 March, 30 June, 30 September and 31 December. Source
- Deadline
- Within 30 business days of the reference date. Source
- Format
- Other. Filed through the Reporter Portal; FIN-FSA's page does not name a specific file format for this module beyond 'the new reporting system'. Source
- How it is filed
- Filing routes recorded for the FIN-FSA: Reporter Portal (Raportoijan portaali) and Validation Service; MiFIR transaction reporting (SFTP); Secure email. See how firms file with the FIN-FSA.
- Status
- In force
- Legal basis
- Group
- Credit institutions: national capital and lending returns (national)
Templates (1)
The tables and forms inside the return. Plain name first, the FIN-FSA's code in brackets.
- Loan-to-value ratio of housing loans (LTC01)
The LTC table workbook is published on the Finnish page of regulation 1/2014 (Risk reporting by credit institutions), not on the English page previously cited; no separate LTC-ohje instructions were found there. Source
Validation rules
No published validation rules were found for this return. No published list of validation rules for this national module was found on the pages read. Source
Public data
No published data from this return was found. No data from this return published by FIN-FSA was found on the pages checked. Source
Official documents (4)
The FIN-FSA's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.
- FIN-FSA regulations and guidelines 3/2015: Code of conduct (calculation of maximum loan-to-value ratio)
Legal text · HTML
- FIN-FSA regulations and guidelines 1/2014: Risk management (risk reporting by credit institutions)
Legal text · HTML
- Reporting map (financial sector)
List of returns · PDF · 253.9 KB · 2 October 2026
SHA-256
7ebe87159b3bshow in full7ebe87159b3b5086e6b3f11fc7da71de9ffc68a05673c7404a960bd0214b50c8 - Asuntoluottojen luototussuhde -taulukko (LTC table workbook)
Template · XLSX · 18.9 KB · 1 March 2022
SHA-256
85cf388afd53show in full85cf388afd538fb45ba9f0591fadd55087c3afbcc3603bc91e4f816fac71146c
Sources
Every page and document this return's facts were read from.
- finanssivalvonta.fi/en/reporting/reporting-of-financial-standing-and-risks/new-reporting-system/credit-institutions/
- finanssivalvonta.fi/globalassets/fi/saantely/maarayskokoelma/2014/01_2014/ltc_lomakemalli_su.xlsx
- finanssivalvonta.fi/saantely/maarays-ja-ohjekokoelma/riskienhallinta/01_2014/
Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.
Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see FIN-FSA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.
Source: Finanssivalvonta (Financial Supervisory Authority, FIN-FSA), https://www.finanssivalvonta.fi
Last checked 13 November 2026.