Analytical Credit Database

​Credit data COLLECTION

On 24 February 2014, the ECB issued a decision on the organisation of preparatory measures for the collection of granular credit data by the European System of Central Banks (ECB/2014/6). 

Regulation (EU) 2016/867 of the ECB on the collection of granular credit and credit risk data (ECB/2016/13) was issued on 18 May 2016. The first stage under the Regulation began on 1 September 2018. The first monthly and quarterly transmissions to the ECB started with data for 30 September 2018. The first counterparty reference data was transmitted to the ECB six months prior to the first transmission of credit data.

​Requirements

The requirements by the Bank of Finland can be found here:

• BoF AnaCredit requirements v3.4.xls (published 13 June 2022), valid from reporting periods 1 September 2023 - 31 May 2024
• BoF AnaCredit requirements v3.5.xls (published 26 March 2024), valid from reporting periods 1 June 2024 -

Instructions for Credit data reporting can be found here:

• Credit data reporting - Reporting instructions v6.0 (published 27 November 2023)

Description of electronic reporting for credit data collection

• Credit data collection - Description of electronic reporting (published 17 March 2017, updated 26 March 2024)

Attachments (published 13 June 2023), valid from reporting periods 1 September 2023 - 31 May 2024:

• AC XSD v1.16.zip (schema files)
• AC XSD Elements v1.16.xls (description of schema)
• AC_2016M12_FI00000000_20170101120000.zip (example files)
• AC Record Structure v1.16.xls (data model)

Attachments (published 26 March 2023), valid from reporting periods 1 June 2024 -:

• AC XSD v1.17.zip (schema files)
• AC XSD Elements v1.17.xls (description of schema)
• AC_2016M12_FI00000000_20170101120000.zip (example files)
• AC Record Structure v1.17.xls (data model)

​validation checks for credit data collection

• Validation checks for credit data collection v1.15 (published 13 June 2023), valid from reporting periods 1 September 2023 - 31 May 2024
• Validation checks for credit data collection v1.16 (published 26 March 2023), valid from reporting periods 1 June 2024 -

More comprehensive validations published by the European Central Bank can be found on its website (only in English).

The outlier detection thresholds by the Bank of Finland can be found here:

BoF AnaCredit Outlier Detection Thresholds v1.2 (published 6 October 2021)

​Other reporting information

Cover notes and other material related to the AnaCredit database are available on the ECB website here.

​Credit data collection - Reporting Calendar

Cooperation with Nordic and Baltic countries

As part of cooperation with interest groups, the Bank of Finland has participated in the work of the Nordic-Baltic Task Force on AnaCredit working group. The other member countries of the working group are Denmark, Sweden, Estonia, Latvia, Lithuania and Norway.

As regards the implementation of AnaCredit reporting, the fundamentals and plans differ considerably between the Nordic and Baltic countries. As a result of the cooperation, the working group will produce a documents that describe the national deviations (attributes and code lists) from the Regulation and the related background information. 

previous instructions