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Lists of financial institutions

The ECB maintains lists of the following five groups of institutions, based on information provided regularly by all members of the ESCB.

For further information, check our Frequently asked questions.

Monetary financial institutions (MFIs)

"Monetary financial institutions" (MFIs) are resident credit institutions as defined in European Union (EU) law, and other resident financial institutions whose business is to receive deposits and/or close substitutes for deposits from entities other than MFIs and, for their own account (at least in economic terms), to grant credits and/or make investments in securities.

More precisely, Regulation ECB/2013/33 concerning the balance sheet of the monetary financial institutions sector (recast) defines MFIs as resident undertakings that belong to any of the following sectors:

  • central banks, i.e. national central banks of the EU Member States and the European Central Bank;
  • credit institutions as defined in Article 4(1)(1) of Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms;
  • other deposit-taking corporations which are
    1. principally engaged in financial intermediation and whose business is: - to receive deposits and/or close substitutes for deposits from institutional units, not only from MFIs, and - to grant loans and/or make investments in securities for their own account (at least in economic terms), or
    2. electronic money institutions, as defined in Article 2(1) and (2) of Directive 2009/110/EC, that are principally engaged in financial intermediation in the form of issuing electronic money;
  • money market funds (MMFs), i.e. collective investment undertakings as defined in Article 2 of Regulation ECB/2013/33.

In accordance with Regulation ECB/2013/33, the ECB maintains and regularly updates a list of MFIs. (For the complete legal framework, see the link on the right-hand side.) The list of MFIs is drawn up and published:

  • to facilitate the monitoring and production of a comprehensive and consistent balance sheet of the money-creating sector in the single currency area on the basis of an MFI population corresponding to sectors S121, S122 and S123 of the European System of Accounts 2010 (ESA 2010);
  • to ensure that the statistical reporting population is complete and homogeneous;
  • to provide for the production of a comprehensive and consistent list of those MFIs subject to – or exempt from – the Eurosystem‘s minimum reserve requirements;
  • to ensure the production of a comprehensive and consistent list of counterparties eligible for Eurosystem operations.

The ECB releases updated information on the list of MFIs on a daily basis and updates to the list of MFIs subject to minimum reserves once a month. Downloads are available as tab-delimited CSV files. Alternatively, user-defined queries can be performed directly via MFI data access facility on the ECB's website.

The latest data are available via the Statistical Data Warehouse (SDW)

In addition the following material is refreshed on a monthly basis:

Archived MFI publications

Investment funds (IFs)

"Investment funds" (IFs) are collective investment undertakings that: i) invest in financial and non-financial assets, within the meaning of the European system of national and regional accounts in the Community (ESA 95), to the extent that the objective is to invest capital raised from the public; and ii) are set up under Community or national law.

Included within the definition of IFs are: undertakings whose units or shares are, at the request of the holders, repurchased or redeemed directly or indirectly out of the undertaking’s assets; and undertakings which have a fixed number of issued shares and whose shareholders have to buy or sell existing shares when entering or leaving the fund.

Not included in the definition of IFs are pension funds and money market funds (which come under the MFIs).

Information on IFs is collected:

  • to provide the ECB with a comprehensive statistical picture of the financial activities of the IF sub-sector; and
  • to ensure that the statistical reporting population on IFs is complete and homogeneous.

The legal framework for IFs is set out in Regulation (EU) No 1073/2013 of the European Central Bank of 18 October 2013 concerning statistics on the assets and liabilities of investment funds (ECB/2013/38).

The ECB releases a quarterly update on the list of IFs (nine weeks after the end of the quarter to which the list refers) and also revised lists for three reference periods preceding the latest release.

Published details regarding the list of IFs, including historical data:

Financial vehicle corporations (FVCs)

"Financial vehicle corporations" (FVCs) are undertakings set up under national or Community law which primarily:

  • to carry out securitisation transactions and which are insulated from the risk of bankruptcy or any other default of the originator; and which
  • issue securities, securitisation fund units, other debt instruments and/or financial derivatives and/or legally or economically own assets underlying the issue of securities, securitisation fund units, other debt instruments and/or financial derivatives that are offered for sale to the public or sold on the basis of private placements.

Neither MFIs (see first tab above) nor IFs (see second tab above) are included in the definition of FVCs.

"Securitisation" means a transaction or scheme whereby: i) an asset or pool of assets is transferred to an entity that is separate from the originator and is created for or serves the purpose of the securitisation; and/or ii) the credit risk of an asset or pool of assets, or part thereof, is transferred to those who invest in the securities, securitisation fund units, other debt instruments and/or financial derivatives issued by an entity that is separate from the originator and is created for or serves the purpose of the securitisation.

Information on FVCs is collected:

  • to provide the ECB with a comprehensive statistical picture of the financial activities of the FVC sub-sector; and
  • to ensure that the statistical reporting population on FVCs is complete and homogeneous.

The legal framework for FVCs is set out in Regulation (EU) No 1075/2013 of the European Central Bank of 18 October 2013 concerning statistics on the assets and liabilities of financial vehicle corporations engaged in securitisation transactions (ECB/2013/40).

The ECB releases a quarterly update on the list of FVCs (three weeks after the end of the quarter to which the list refers) and also revised lists for three reference periods preceding the latest release.

Published details regarding the list of FVCs, including historical data:

Payment statistics relevant institutions (PSRIs)

“Payment statistics relevant institutions” (PSRIs) are payment service providers (including electronic money issuers) and payment system operators. PSRIs offer payment services and/or are entitled to do so. They can be classified in different institutional sectors.

Payment service providers include the following entities:

  • credit institutions meaning undertakings whose business is to receive deposits or other repayable funds from the public and to grant credits for their own account;
  • electronic money institutions meaning legal persons authorised to issue electronic money, i.e. electronically, including magnetically, stored monetary value issued on receipt of funds and which can be used to make payments;
  • post office giro institutions which are entitled under national law to provide payment services;
  • the European Central Bank and national central banks (NCBs) when not acting in their capacity as monetary authority or other public authorities;
  • Member States or their regional or local authorities when not acting in their capacity as public authorities;
  • payment institutions meaning legal persons other than those listed above authorised to provide and execute payment services throughout the EU.

Payment system operators are entities that are legally responsible for operating a payment system.

The ECB maintains and updates the list of PSRIs every year. The list also includes information on entities that have been granted a derogation by an NCB with regard to the payments statistics reporting requirements.

In compliance with its legal obligations, the ECB publishes these reference data on a regular basis, provided that the information is not confidential.

Insurance corporations (ICs)

“Insurance corporations” (ICs) are financial corporations or quasi-corporations that are principally engaged in financial intermediation as a consequence of the pooling of risks, mainly in the form of direct insurance or reinsurance.

Insurance corporations include financial corporations or quasi-corporations that provide:

  • life insurance services, where policyholders make regular or one-off payments to the insurer in return for which the insurer guarantees to give policyholders an agreed sum, or an annuity, at a given date or earlier;
  • non-life insurance services to cover, for example, risks of accidents, sickness, fire or credit default;
  • reinsurance services, where insurance is bought by the insurer to protect itself against an unexpectedly high number of claims or exceptionally large claims.

Information on ICs is collected:

  • to provide the ECB with a comprehensive statistical picture of the financial activities of the IC sub-sector;
  • to ensure that the reporting population of IC statistics is complete and homogeneous;
  • to ensure the production of a comprehensive and consistent list of counterparties eligible for Eurosystem operations.

The legal framework for ICs is set out in Regulation (EU) No 1374/2014 of the European Central Bank of 28 November 2014 on statistical reporting requirements for insurance corporations.

Pension funds (PFs)

"Pension funds" (PFs) are financial intermediaries which offer social insurance by providing income to the insured persons following their retirement. They also often provide death and disability benefits. Pension schemes are important cornerstones of European households’ income during retirement. Pension funds also play a role in financial markets as institutional investors. For these reasons, the ECB collects statistics on the balance sheets of pension funds for its analyses of the financial system and household wealth.

Information on PFs is collected:

  • to provide the ECB with a comprehensive statistical picture of the financial activities of the PF sector;
  • to ensure that the reporting population of PF statistics is complete and homogeneous;
  • to produce a comprehensive and consistent list of counterparties eligible for Eurosystem operations.

The legal framework for PFs is set out in Regulation (EU) No 2018/231 of the European Central Bank of 26 January 2018 on statistical reporting requirements for pension funds (ECB/2018/2) (“the Regulation”).

In compliance with Article 3 of the Regulation, the ECB publishes and maintains, for statistical purposes, the following list of PFs and pension managers that are part of the actual reporting population subject to the Regulation. The list may include information on entities that have been granted a derogation by an NCB in accordance with Article 7 of the Regulation.

An analysis of the initial PF data was published on the Economic bulletin.

More information on pension funds.

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