​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 17 March 2017, updated 6 November 2019):

​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 v1.0 (published 9 October 2019)

​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
2019M09 21.10.2019 21.10.2019 11.11.2019
2019M10 21.11.2019 21.11.2019  
2019M11 23.12.2019 23.12.2019  
2019M12 23.1.2020 23.1.2020 11.2.2020
2020M01 21.2.2020 21.2.2020  
2020M02 20.3.2020 20.3.2020  
2020M03 23.4.2020 23.4.2020 12.5.2020
2020M04 25.5.2020 25.5.2020  
2020M05 22.6.2020 22.6.2020  
2020M06 21.7.2020 21.7.2020 11.8.2020
2020M07 21.8.2020 21.8.2020  
2020M08 21.9.2020 21.9.2020  
2020M09 21.10.2020 21.10.2020 11.11.2020
2020M10 20.11.2020 20.11.2020  
2020M11 21.12.2020 21.12.2020  
2020M12 25.1.2021 25.1.2021 11.2.2021

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
2019M09 21.10.2019 21.10.2019 11.11.2019
2019M12 23.1.2020 23.1.2020 11.2.2020
2020M03 23.4.2020 23.4.2020 12.5.2020
2020M06 21.7.2020 21.7.2020 11.8.2020
2020M09 21.10.2020 21.10.2020 11.11.2020
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.