What Is AnaCredit?

AnaCredit is a new dataset with detailed information on individual bank loans in the euro area. The name stands for "Analytical Credit datasets".

The initiative was created by the ECB, with the first phase of reporting scheduled for the end of January 2018. Its aim is to achieve a harmonised database that supports several central banking functions, such as decision-making in monetary policy and macro-prudential supervision.

We’ve already helped clients across the Financial Services sector achieve smooth hassle-free reporting of AnaCredit requirements, with our superior AnaCredit & CCR software.

Using CRIFVision-net For AnaCredit

Achieve a low cost, high data quality, enrichment service that minimises a draw on organisation resources for the reporting of AnaCredit and CCR data.


Parent & Ultimate Parent Companies

Parent companies at every level of the family tree will be identified and their records enriched, as required by AnaCredit. With instant access to over 200m companies worldwide wherever the Ultimate Parent company is located we will supply you with enriched AnaCredit data.

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AnaCredit Codes

With CRIFVision-net you can avoid the need and cost of further processing. Our AnaCredit enrichment file is as per Central Bank specifications complete with required CBI AnaCredit Codes for various fields, including County Code, Form Type and many more, saving you time and hassle.

Legal Entity Identification

Customer records can automatically be delivered through secure SFTP, and screened using our proven data analytics to identify unique registered numbers such as LEI, CRO Number, or RBN. No need for you to have CRO numbers for your customers to hand.

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New Customer Inclusion

Our AnaCredit software allows for the upload and on-boarding of new records (new to the organisation customers) in monthly batches to be matched, enriched and monitored for changes, allowing you to comply with AnaCredit reporting, on an ongoing basis.

Frictionless Reporting

A freshly updated file will be generated with the latest information to include identified legal entities and enriched existing customer records, delivering one comprehensive file for frictionless reporting every month, saving you time and money.

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The AnaCredit Challenge

The challenge for financial institutions is that AnaCredit calls for the granular reporting of over 100 separate data variables on corporate customers with loans in excess of €25,000. While most financial institutions are required to maintain strong ‘Know Your Customer' data, the data fields required for AnaCredit go deeper and wider than regular compliance checks. This can often result in gaps in the data that is readily available on file for a customer.

In addition to that financial institutions are obliged to ensure all data reported to AnaCredit is accurate and up to date. As a result even if the data is partially on file, it will mostly likely need to be re-checked against the latest official filings and statutory details on the company or legal entity.

AnaCredit requires financial institutions to report granular data in a harmonised dataset to the European Central Bank. This can be a time consuming, but necessary undertaking for any bank to collate and report this data accurately at regular intervals. Especially if the bank does not currently have automated batch processes already in place and is attempting to manually up date the data required in any kind of fragmented fashion.

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