The AnaCredit (Analytical Credit Datasets) project was set up at the initiative of the European Central Bank to establish a cross-border database of detailed (individual) credit and credit risk data. The data collected are necessary for monetary policy and economic research analyses, risk management, financial stability surveillance and microprudential supervision. The project was launched on 1 September 2018.
The collection of data for AnaCredit is based on Regulation (EU) 2016/867 on the collection of granular credit and credit risk data (ECB/2016/13). The Czech Republic participates in the project on a voluntary basis as part of the long-running efforts to harmonise European statistics and in accordance with a decision made by the Czech National Bank in 2014. The Czech Republic will be included among the reporting member states by way of a formal legal act of the European Central Bank.
National reporting obligations are laid down in Decree No. 131/2018 Coll. on the submission of credit and credit risk data to the Czech National Bank (available in Czech only) and Decree No. 133/2023 Coll. amending Decree No. 131/2018 Coll. on the submission of credit and credit risk data to the Czech National Bank (pdf, 50 kB, available in Czech only) effective from 1 January 2024; complete wording of Decree No. 133/2018 Coll. (pdf, 239 kB, available in Czech only) effective from 1 January 2024 – working document only.
The scope of requirements laid down in Regulation ECB/2016/13 is complemented at the national level by requirements arising from the CNB’s duties and from the planned replacement of the Central Credit Register collection layer with data obtained from AnaCredit.
Detailed information about the content and reporting methodology of AnaCredit at the national level is available under the Reporting to AnaCredit tab.