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 v3.0.xls (published 22 April 2021), valid from reporting periods 1 April 2021 -
• BoF AnaCredit requirements v2.9.xls (published 30 September 2016, updated 28 August 2020), valid from reporting periods 1 March 2018 to 31 March 2021.

Instructions for Credit data reporting can be found here:

• Credit data reporting - Reporting instructions v3.0 (published 8 December 2020)

Other general instructions can be found here:

• Material of LUOTI info session (26 March 2019)
• Material of LUOTI info session (15 August 2018)

Description of electronic reporting for credit data collection

• Credit data collection - Description of electronic reporting (published 17 March 2017, updated 22 April 2021)

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

• AC XSD v1.12.zip (schema files)
• AC XSD Elements v1.12.xls (description of schema)
• AC_2016M12_FI00000000_20170101120000.zip (example files)
• AC Record Structure v1.12.xls (data model)

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

• AC XSD v1.11.zip (schema files)
• AC XSD Elements v1.11.xls (description of schema)
• AC_2016M12_FI00000000_20170101120000.zip (example files)
• AC Record Structure v1.11.xls (data model)

​validation checks for credit data collection

• Validation checks for credit data collection v1.11 (published 22 April 2021), valid from reporting periods 1 April 2021 -.
• Validation checks for credit data collection v1.10 (published 21 June 2017, updated 12 March 2021), valid from reporting periods 1 March 2018 to 31 March 2021.

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 v1.1 (published 9 October 2019, updated 12 March 2021)

​Credit data collection - Reporting Calendar

Full reporting requirements:

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

​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.

• Note on deviations in attributes and codelists_VERSION 2_December 2017
• Codelists_VERSION 2_December2017
• Attributes_VERSION 2_December2017