<?xml version="1.0" ?><mes:Structure xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:mes="http://www.sdmx.org/resources/sdmxml/schemas/v2_1/message" xmlns:str="http://www.sdmx.org/resources/sdmxml/schemas/v2_1/structure" xmlns:com="http://www.sdmx.org/resources/sdmxml/schemas/v2_1/common"><mes:Header><mes:ID>IDREF9e79a185-a91d-4741-bc52-3543c5fe4550</mes:ID><mes:Test>false</mes:Test><mes:Prepared>2026-03-16T15:56:39Z</mes:Prepared><mes:Sender id="UNKNOWN"></mes:Sender><mes:Receiver id="not_supplied"></mes:Receiver></mes:Header><mes:Structures><str:Dataflows><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:BIS_REL_CAL(1.0)" isExternalReference="false" agencyID="BIS" id="BIS_REL_CAL" isFinal="false" version="1.0"><com:Name xml:lang="en">BIS_RELEASE_CALENDAR</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_RELEASE_CALENDAR" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CBPOL(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CBPOL" isFinal="false" version="1.0"><com:Name xml:lang="en">Central bank policy rates</com:Name><com:Description xml:lang="en">The interest rate which best captures the monetary authorities' policy intentions.</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_CBPOL" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CBS_PUB(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CBS_PUB" isFinal="false" version="1.0"><com:Annotations><com:Annotation><com:AnnotationTitle>16</com:AnnotationTitle><com:AnnotationType>WEBSTATS_DISPLAY_ORDER</com:AnnotationType></com:Annotation></com:Annotations><com:Name xml:lang="en">Consolidated banking</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_CBS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CBTA(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CBTA" isFinal="false" version="1.0"><com:Name xml:lang="en">Central bank total assets</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="CBTA" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_CASHLESS(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_CASHLESS" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI cashless payments</com:Name><com:Description xml:lang="en">CPMI cashless payments (T5,T6)</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_CASHLESS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_CT1(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_CT1" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI comparative tables type 1</com:Name><com:Description xml:lang="en">CPMI comparative tables type 1</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_CT1" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_CT2(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_CT2" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI comparative tables type 2</com:Name><com:Description xml:lang="en">CPMI comparative tables type 2</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_CT2" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_DEVICES(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_DEVICES" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI payment devices</com:Name><com:Description xml:lang="en">CPMI payment devices (T4)</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_DEVICES" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_INSTITUT(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_INSTITUT" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI institutions</com:Name><com:Description xml:lang="en">CPMI institutions (T3)</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_INSTITUTIONS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_MACRO(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_MACRO" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI macro</com:Name><com:Description xml:lang="en">CPMI macro (T1,T2)</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_MACRO" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_PARTICIP(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_PARTICIP" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI participants</com:Name><com:Description xml:lang="en">CPMI participants (T7,T10,T12,T15)</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_PARTICIPANTS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPMI_SYSTEMS(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPMI_SYSTEMS" isFinal="false" version="1.0"><com:Name xml:lang="en">CPMI systems</com:Name><com:Description xml:lang="en">CPMI systems (T8-9-11-13-14-16-17-18-19)</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="CPMI_SYSTEMS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CPP(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CPP" isFinal="false" version="1.0"><com:Name xml:lang="en">Commercial property prices</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_PROP_PRICES" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_CREDIT_GAP(1.0)" isExternalReference="false" agencyID="BIS" id="WS_CREDIT_GAP" isFinal="false" version="1.0"><com:Name xml:lang="en">Credit-to-GDP gaps</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_CREDIT_GAP" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_DEBT_SEC2_PUB(1.0)" isExternalReference="false" agencyID="BIS" id="WS_DEBT_SEC2_PUB" isFinal="false" version="1.0"><com:Name xml:lang="en">International debt securities (BIS-compiled)</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_DEBT_SEC2" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_DER_OTC_TOV(1.0)" isExternalReference="false" agencyID="BIS" id="WS_DER_OTC_TOV" isFinal="false" version="1.0"><com:Name xml:lang="en">OTC derivatives turnover</com:Name><com:Description xml:lang="en">OTC derivatives and FX spot - turnover</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_DER" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_DPP(1.0)" isExternalReference="false" agencyID="BIS" id="WS_DPP" isFinal="false" version="1.0"><com:Name xml:lang="en">Detailed residential property prices</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_PROP_PRICES" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_DSR(1.0)" isExternalReference="false" agencyID="BIS" id="WS_DSR" isFinal="false" version="1.0"><com:Name xml:lang="en">Debt service ratios</com:Name><com:Description xml:lang="en">Debt service costs - comprising interest payments and debt amortisations - as a proportion of income. The DSR is a measure of the financial constraints imposed by indebtedness.</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_DSR" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_EER(1.0)" isExternalReference="false" agencyID="BIS" id="WS_EER" isFinal="false" version="1.0"><com:Annotations><com:Annotation><com:AnnotationTitle>85</com:AnnotationTitle><com:AnnotationType>WEBSTATS_DISPLAY_ORDER</com:AnnotationType></com:Annotation></com:Annotations><com:Name xml:lang="en">Effective exchange rates</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_EER" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_GLI(1.0)" isExternalReference="false" agencyID="BIS" id="WS_GLI" isFinal="false" version="1.0"><com:Name xml:lang="en">Global liquidity indicators</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_GLI" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_LBS_D_PUB(1.0)" isExternalReference="false" agencyID="BIS" id="WS_LBS_D_PUB" isFinal="false" version="1.0"><com:Name xml:lang="en">Locational banking</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_LBS_DISS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_LONG_CPI(1.0)" isExternalReference="false" agencyID="BIS" id="WS_LONG_CPI" isFinal="false" version="1.0"><com:Name xml:lang="en">Consumer prices statistics</com:Name><com:Description xml:lang="en">An index that measures the average change in the price of consumer items (goods and services) purchased by households in a given period. It is based on regular surveys of representative consumption baskets.</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_LONG_CPI" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_NA_SEC_C3(1.0)" isExternalReference="false" agencyID="BIS" id="WS_NA_SEC_C3" isFinal="false" version="1.0"><com:Name xml:lang="en">BIS debt securities statistics</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="NA_SEC" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_NA_SEC_DSS(1.0)" isExternalReference="false" agencyID="BIS" id="WS_NA_SEC_DSS" isFinal="false" version="1.0"><com:Name xml:lang="en">Debt securities statistics</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="NA_SEC" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_OTC_DERIV2(1.0)" isExternalReference="false" agencyID="BIS" id="WS_OTC_DERIV2" isFinal="false" version="1.0"><com:Name xml:lang="en">OTC derivatives outstanding</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_DER" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_SPP(1.0)" isExternalReference="false" agencyID="BIS" id="WS_SPP" isFinal="false" version="1.0"><com:Annotations><com:Annotation><com:AnnotationTitle>41</com:AnnotationTitle><com:AnnotationType>WEBSTATS_DISPLAY_ORDER</com:AnnotationType></com:Annotation></com:Annotations><com:Name xml:lang="en">Selected residential property prices</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_SELECTED_PP" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_TC(2.0)" isExternalReference="false" agencyID="BIS" id="WS_TC" isFinal="false" version="2.0"><com:Annotations><com:Annotation><com:AnnotationTitle>32</com:AnnotationTitle><com:AnnotationType>WEBSTATS_DISPLAY_ORDER</com:AnnotationType></com:Annotation></com:Annotations><com:Name xml:lang="en">Total credit</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_TOTAL_CREDIT" version="2.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_XRU(1.0)" isExternalReference="false" agencyID="BIS" id="WS_XRU" isFinal="false" version="1.0"><com:Name xml:lang="en">US dollar exchange rates</com:Name><com:Description xml:lang="en">The price of one country's currency in relation to another.</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_XR" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS:WS_XTD_DERIV(1.0)" isExternalReference="false" agencyID="BIS" id="WS_XTD_DERIV" isFinal="false" version="1.0"><com:Name xml:lang="en">Exchange-traded derivatives</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_XTD_DERIV" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS.CBS:CBS(1.0)" isExternalReference="false" agencyID="BIS.CBS" id="CBS" isFinal="false" version="1.0"><com:Name xml:lang="en">Consolidated Banking Statistics</com:Name><com:Description xml:lang="en">This dataflow is associated to the BIS_CBS DSD. It implements the data requirement laid out in the July 2019 IBS Reporting Guidelines | PDF version: BIS_CBS_V2020.06.01</com:Description><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_CBS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS.LBS:LBSN(1.0)" isExternalReference="false" agencyID="BIS.LBS" id="LBSN" isFinal="false" version="1.0"><com:Name xml:lang="en">Locational Banking Statistics by Nationality</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_LBS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow><str:Dataflow urn="urn:sdmx:org.sdmx.infomodel.datastructure.Dataflow=BIS.LBS:LBSR(1.0)" isExternalReference="false" agencyID="BIS.LBS" id="LBSR" isFinal="false" version="1.0"><com:Name xml:lang="en">Locational Banking Statistics by Residence</com:Name><str:Structure><Ref package="datastructure" agencyID="BIS" id="BIS_LBS" version="1.0" class="DataStructure"></Ref></str:Structure></str:Dataflow></str:Dataflows></mes:Structures></mes:Structure>
