• NOGA
  • K FINANCIAL AND INSURANCE ACTIVITIES
    • 64 Financial service activities, except insurance and pension funding
      • 641 Monetary intermediation
        • 6419 Other monetary intermediation
          • 641901 Banks with a special field of business
          • 641902 Cantonal banks
          • 641903 Big banks
          • 641904 Regional banks and saving banks
          • 641905 Raiffeisen banks
          • 641906 Commercial banks
          • 641907 Stock Exchange banks
          • 641908 Foreign-controlled banks
          • 641909 Branches of foreign banks
          • 641910 Private bankers
          • 641911 Other banking institutions
          • 641912 Other monetary intermediation n.e.c.

This class includes the receiving of deposits and/or close substitutes for deposits and extending of credit or lending funds. The granting of credit can take a variety of forms, such as loans, mortgages, credit cards, etc.

These activities are generally carried out by monetary institutions other than central banks, such as:

• banks
• savings banks
• credit unions

This class also includes:

• postal giro and postal savings bank activities
• credit granting for house purchase by specialised deposit-taking institutions
• money order activities

This class excludes:

• credit granting for house purchase by specialised non-depository institutions (see 6492)
• credit card transaction processing and settlement activities (see 661900)

Corresponding CPA codes

• 64.19.1 Deposit services
• 64.19.11 Deposit services to corporate and institutional depositors

  This subcategory includes:

  • deposit services, including demand, notice and term deposit services, to large business and institutional customers, including governments
• 64.19.12 Deposit services to other depositors

  This subcategory includes:

  • deposit services, including demand, notice and term deposit services to depositors, other than corporate and institutional
  • chequing services
  • services of cheque certification
  • stop payment services

  This subcategory excludes:

  • collection services of drafts, cheques and other bills of exchange received on a collection basis cashed or taken on deposit, see 82.91.12
  • collection services of accounts or monies receivable under assignment of accounts or contracts, see 82.91.12
  • wrapping, rolling, mailing or otherwise handling currency and coin on behalf of customers, see 82.92.10
• 64.19.2 Credit granting services by monetary institutions
• 64.19.21 Inter-industry credit granting services by monetary institutions

  This subcategory includes:

  • loans granted to financial intermediaries by monetary institutions

  It covers the issuing and management of loans and advances linked to the business carried out between financial intermediaries (as wholesale credit granting services, i.e. between enterprises allocated at NACE groups 64.1 and 64.9). It includes the granting of loans and advances to domestic and foreign financial intermediaries which are usually of short maturity, repayable on demand or after a short period of notice.

• 64.19.22 Consumer credit granting services by monetary institutions

  This subcategory includes:

  • personal non-mortgage instalment loan services by monetary institutions consisting of granting loans with scheduled repayment plans
  • line-of-credit loan services, that is, loan services based on a commitment to lend funds to a borrower up to a specified amount
  • consumer loan services, that is, loan services extended for financing consumer purchases of goods or services where the purchased good is generally used as collateral
• 64.19.23 Residential mortgage credit granting services by monetary institutions

  This subcategory includes:

  • services of granting loans by monetary institutions for the purpose of acquiring residential land or buildings and for which the land or buildings are used as security
  • home equity loans

  This subcategory excludes:

  • appraisal services, see 68.31.16
• 64.19.24 Non-residential mortgage credit granting services by monetary institutions

  This subcategory includes:

  • services of granting loans by monetary institutions for the purpose of acquiring non-residential land or buildings and for which the land or buildings are used as security

  This subcategory excludes:

  • appraisal services, see 68.31.16
• 64.19.25 Commercial non-mortgage credit granting services by monetary institutions

  This subcategory includes:

  • loan services by monetary institutions to investment dealers and brokers, regulated financial institutions, federal, regional and local governments or school corporations, foreign governments, and other businesses
  • loan services to individuals for business purposes
  • standby, commitment and other loan services including overdraft services
  • services of guaranteeing and providing letters of credit
  • acceptance services, that is, agreements by a bank or other financial institution to pay a draft or a credit instrument issued by an institution
• 64.19.26 Credit card services by monetary institutions

  This subcategory includes:

  • granting credit by monetary institutions when the holder of a credit card uses it to buy a good or a service, regardless of whether the balance is paid in full at the end of the grace period
• 64.19.29 Other credit granting services by monetary institutions

  This subcategory includes:

  • other credit-granting services by monetary institutions n.e.c.
  • sales financing services
• 64.19.3 Other monetary intermediation services n.e.c.
• 64.19.30 Other monetary intermediation services n.e.c.

  This subcategory includes:

  • all other monetary intermediation services (except credit granting and deposit taking services) provided by credit granting and deposit taking institutions other than central banks

  These services are mainly linked to investments in transferable securities (UCIT services), including debt instruments, shares and participations etc., and comprise also financial derivative services.