Analytical Credit Database
The Bank of Finland collects credit and credit risk information from credit institutions required for the performance of the tasks of the Eurosystem, the European System of Central Banks (ESCB) and the European Systemic Risk Board. The information may be used for banking supervision under the Single Supervisory Mechanism. The Finnish Financial Supervisory Authority has the right to use statistical data for supervisory purposes.
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:
DCS2-data collection service (valid to 30 November 2024)
Description of electronic reporting for credit data collection
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)
eRegulatory-data collection service (valid from 1 December 2024)
Description of electronic reporting for credit data collection
Periodic dependencies of the schema files
A schema version is defined separately for each reporting period:
| Schema version | Valid from | Valid to |
| 1.16 | 2024M01 | 2024M05 |
| 1.17 | 2024M06 |
Attachments (published 23 October 2024), valid from reporting periods 1 January 2024 - 31 May 2024:
- AC XSD v1.16.zip (schema files)
- AC XSD Elements v1.16.xls (description of schema)
- AC_2024M03_FI00000000_20240415120000000.zip (example files)
- AC Record Structure v1.16.xls (data model)
Attachments (published 23 October 2024), valid from reporting periods 1 June 2024 -:
- AC XSD v1.17.zip (schema files)
- AC XSD Elements v1.17.xls (description of schema)
- AC_2024M06_FI00000000_20240715120000000.zip (example files)
- AC Record Structure v1.17.xls (data model)
eRegulatory-data collection service, eReg-feedback files schema
(valid from 1 December 2024 for reporting periods 1 January 2024 - )
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
| Reference period | Deadline: | ||
| COPA Counterparty reference data |
AC/M Monthly credit data |
AC/Q Quarterly credit data |
|
| 2024M11 | 20.12.2024 | 20.12.2024 | |
| 2024M12 | 23.1.2025 | 23.1.2025 | 11.2.2025 |
| 2025M01 | 21.2.2025 | 21.2.2025 | |
| 2025M02 | 21.3.2025 | 21.3.2025 | |
| 2025M03 | 23.4.2025 | 23.4.2025 | 12.5.2025 |
| 2025M04 | 22.5.2025 | 22.5.2025 | |
| 2025M05 | 23.6.2025 | 23.6.2025 | |
| 2025M06 | 21.7.2025 | 21.7.2025 | 11.8.2025 |
| 2025M07 | 21.8.2025 | 21.8.2025 | |
| 2025M08 | 19.9.2025 | 19.9.2025 | |
| 2025M09 | 21.10.2025 | 21.10.2025 | 11.11.2025 |
| 2025M10 | 21.11.2025 | 21.11.2025 | |
| 2025M11 | 19.12.2025 | 19.12.2025 | |
| 2025M12 | 23.1.2026 | 23.1.2026 | 11.2.2026 |
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.