Credits granted by an MFI to a household or non-financial corporation as a holder of a credit card or a card with the delayed debit function at an interest rate of 0% in the period starting from the date of effecting the payment transaction with the card during one billing cycle and up to the date at which the debit balance from this billing cycle becomes due.

The definition of the concept is consistent with Regulation (EU) 2021/379 of the European Central Bank of 22 January 2021 on the balance sheet items of credit institutions and of the monetary financial institutions sector (recast) (ECB/2021/2).

Agreements that allow customers to take advances, during a defined period and up to a certain limit, and repay the advances at their discretion before a previously defined date.
The definition of the concept is consistent with Regulation (EU) 2021/379 of the European Central Bank of 22 January 2021 on the balance sheet items of credit institutions and of the monetary financial institutions sector (recast) (ECB/2021/2).

Institutional units other than MFIs that have been set up for the purpose of carrying out one or more securitisations.
The definition of the concept is consistent with Regulation (EU) 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 (recast) (ECB/2013/40).

Credit institutions the business of which does not consist of the activities referred to in Article 4(1)(1)(a) of Regulation (EU) No 575/2013, i.e., credit institutions that do not take deposits or other repayable funds from the public and that do not grant credits for their own account.
The definition of the concept is consistent with Regulation (EU) 2021/379 of the European Central Bank of 22 January 2021 on the balance sheet items of credit institutions and of the monetary financial institutions sector (recast) (ECB/2021/2).

Deposits which are convertible into currency and/or transferable on demand by cheque, banker's order, debit entry or similar means, without significant delay, restriction or penalty. Such deposits also include balances (interest-bearing or not) immediately convertible into currency on demand or by close of business on the day following that on which the demand was made, without any material penalty or restriction, but which are not transferable; balances (interest-bearing or not) representing prepaid amounts related to a hardware-based or software-based electronic money (e.g., prepaid cards); loans to be repaid on the next business day following that on which the loan was granted.
The definition of the concept is consistent with Regulation (EU) 2021/379 of the European Central Bank of 22 January 2021 on the balance sheet items of credit institutions and of the monetary financial institutions sector (recast) (ECB/2021/2).