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In forceCredit institutions: credit risk (national)Last checked 13 November 2026

Non-performing loans and forbearance (KNKS)

A regulatory return listed by the Finanstilsynet (Danish Financial Supervisory Authority) (Danish FSA), Denmark.

Non-performing loan (NPL) and forbearance data, used by Finanstilsynet to monitor credit quality trends. Source

Official title: KNKS - NPL

The facts

Who files
Credit institutions in Finanstilsynet's groups 1-3 and 6 (the largest and the smallest-but-still-monitored institutions). Source
How often
Half-yearly. Source
Deadline
11 February and 11 August. Source
Format
Web form, Excel, XML. Filed in FIONA Online: typed directly as a web form, pasted from the published Excel template, or uploaded as an XML file matching the published XSD schema. Source
How it is filed
Filing routes recorded for the Danish FSA: FIONA Online; e-Reg (e-Regulatory); Finanstilsynet's self-service portal. See how firms file with the Danish FSA.
Status
In force
Group
Credit institutions: credit risk (national)

Templates (5)

The tables and forms inside the return. Plain name first, the Danish FSA's code in brackets.

  • NPL1 (NPL1)
  • NPL2 (NPL2)
  • NPL3 (NPL3)
  • KRL1 (KRL1)
  • KRL2 (KRL2)

5 data sheets in the current workbook (administrative sheets such as 'masterdata' and 'Read me' are not counted), listed under Finanstilsynet's own sheet-tab codes. A plain-English gloss for these codes was not found on the pages read; the linked instructions document explains each field. Source

Validation rules

No published validation rules were found for this return. No published list of business validation rules (fejlkontroller) was found for this return on the pages read; FIONA Online checks the data against the published XSD schema on upload. Source

Public data

No published data from this return was found. No data from this return published by Finanstilsynet was found on the pages checked. Source

Official documents (2)

The Danish 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.

  • KNKS skema

    Template · XLSX · 63.1 KB · 26 August 2025

    SHA-256 08972bf59d56show in full08972bf59d5666a113fae4c4c7091ace2fd41b0c5cb8b3daeead724fb4a44700
  • KNKS vejledning

    Instructions · PDF · 245.7 KB · 26 August 2025

    SHA-256 5b67fbd5513dshow in full5b67fbd5513df0ef03b6ce548e1f46673c29b2756a3b7c23cc9689df462df9bf

Sources

Every page and document this return's facts were read from.

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 Danish FSA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 13 November 2026.