​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:

Instructions for Credit data reporting can be found here:

Other general instructions can be found here:

Description of electronic reporting for credit data collection

Attachments (published 22 April 2021), valid from reporting periods 1 April 2021 -:

Attachments (published 17 March 2017, updated 28 August 2020) valid from reporting periods 1 March 2018 to 31 March 2021:

​validation checks for credit data collection

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)

​Credit data collection - Reporting Calendar

Full reporting requirements:

Reference period Deadline
COPA -
Counterparty reference data reporting
AC/M
Credit data collection - Monthly data
AC/Q
Credit data collection - Quarterly data
2021M01 19.2.2021 19.2.2021  
2021M02 19.3.2021 19.3.2021  
2021M03 23.4.2021 23.4.2021 12.5.2021
2021M04 24.5.2021 24.5.2021  
2021M05 21.6.2021 21.6.2021  
2021M06 21.7.2021 21.7.2021 11.8.2021
2021M07 20.8.2021 20.8.2021  
2021M08 21.9.2021 21.9.2021  
2021M09 21.10.2021 21.10.2021 11.11.2021
2021M10 19.11.2021 19.11.2021  
2021M11 22.12.2021 22.12.2021  
2021M12 24.1.2022 24.1.2022 11.2.2022

Derogated reporting requirements based on Regulation ECB/2016/13 Article 16 (Quarterly reporting):

Reference period Deadline
COPA -
Counterparty reference data reporting
AC/M
Credit data collection - Monthly data
AC/Q
Credit data collection - Quarterly data
2020M12 25.1.2021 25.1.2021 11.2.2021

​Other information

The ECB has published a regulation relating to AnaCredit database on its website (link). Cover notes and other material are available here.

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. 

Documents (in English only):

Published in December 2017, the documents are preliminary.