AnaCredit
The Analytical Credit dataset project (AnaCredit for short) was launched by the ESCB in 2011 to set up a database containing information on loans granted by the euro-area banking sector.
As of September 2018, national central banks (NCBs) in the euro area collect individual, harmonized and granular data from resident credit institutions and their foreign branches concerning loans and collateral or guarantees extended to counterparties identified as legal entities.
These data are used to meet the information needs of the ESCB (in the areas of monetary policy, financial stability, research, and statistics production), as well as those of the Single Supervisory Mechanism (SSM) for purposes of micro-prudential supervision.
The documents relating to the AnaCredit project are available on the ECB's website, including the AnaCredit Regulation and the AnaCredit Manual (which provides reporting intermediaries with useful information and guidelines on the reporting requirements laid down in the AnaCredit Regulation); the link to the ECB's AnaCredit webpage is published in the 'European framework' section of Banca d'Italia's website.
The collection of granular credit and credit risk data at national level is regulated by Banca d'Italia's Circular No. 297, which amends and lays out the European legislation.
Pursuant to Article 11 of the AnaCredit Regulation, and in its capacity as central bank participating in the exchange of data collected by other national central banks, Banca d'Italia shares with the reporting agents the information on cross-border customers received from the ECB ('feedback loops'). The counterparties' reference data collected for AnaCredit purposes are sourced from Banca d'Italia's Entities Register, which serves as a centralized database on entities for the Central Credit Register (CR) and for all the other granular surveys conducted by Banca d'Italia. Resident and non-resident counterparties are identified by the reporting agents using the Entities Register code. All the counterparties' reference data, including those specifically required by AnaCredit ('additional identifiers') are reported in Circular No. 302 'Le informazioni anagrafiche a supporto delle rilevazioni della Banca d'Italia: istruzioni per gli intermediari' ('Entities' data used in Banca d'Italia's surveys: instructions for the intermediaries'; only in Italian). The Circular is available on Banca d'Italia's website, at the page dedicated to 'Entities Reference Data'.