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In forceMortgage-credit institutions: systemic risk (national)Last checked 13 November 2026

Supervisory Diamond benchmarks for mortgage-credit institutions (KTDC / KTDS)

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

The benchmark indicators (pejlemaerker) of Finanstilsynet's Supervisory Diamond for mortgage-credit institutions: measures such as large exposures, interest-only lending and funding concentration used to flag unusually risky business models. KTDC is the group version, KTDS the solo version. Source

Official title: KTDC og KTDS: Indberetning af pejlemærker i Tilsynsdiamanten for Realkreditinstitutter

The facts

Who files
Mortgage-credit institutions. Source
How often
Quarterly, as at 31 March, 30 June, 30 September and 31 December. Source
Deadline
11 February, 12 May, 11 August and 11 November. 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
Mortgage-credit institutions: systemic risk (national)

Templates (5)

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

  • UDL (UDL)
  • RENTE (RENTE)
  • AFDR (AFDR)
  • FUND (FUND)
  • SE (SE)

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

Published firm by firm. The Supervisory Diamond page for mortgage-credit institutions publishes the institutions' key figures against the benchmarks, most recently at 31 December 2025 (PDF), with earlier editions. The page does not name the return the figures come from; the link is by subject. Source

Where it is published (PDF)

  • Supervisory Diamond benchmarks for mortgage-credit institutions

    Firm by firm · Web page with charts

    The mortgage-credit institutions' key figures against the Supervisory Diamond benchmarks (with their limit values), published as PDF, most recently at 31 December 2025, with earlier editions. The page does not name the return used; the link is by subject. Source

Official documents (3)

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.

  • Anvisninger til indberetning KTDS/KTDC

    Instructions · PDF · 496.2 KB · 26 August 2025

    SHA-256 566cd595b3feshow in full566cd595b3fe9dcc4c6f67609bfa89e1e5b21353e0865bedec5709d905e70d55
  • KTDC skema

    Template · XLSX · 42.6 KB · 26 August 2025

    SHA-256 51b5de17c42fshow in full51b5de17c42ffebf05ff53f2dbebeaccea351486a86ba37d8cd7b5f0ab613fa1
  • Bilag til beregning af pejlemaerkerne

    Instructions · PDF · 76.8 KB · 26 August 2025

    SHA-256 afc140c32df5show in fullafc140c32df5a729cbdbc69e90a87d1ba8611f78af7c2ac322f11044356c928b

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.