Central Credit Register

The Central Credit Register (CCR) is an information system that pools information on the credit commitments of individual entrepreneurs and legal entities and facilitates the efficient exchange of this information between CCR participants. Detailed information on the content of the CCR (registered credit commitments, database content, access to information etc.) is available on the What the CCR contains page.

The CCR does not register consumer loans of natural persons, mortgage loans of natural persons, clients' guarantee commitments or data on deposit accounts (current accounts with no overdraft facility, savings accounts, term accounts). For information on the credit commitments of natural persons (private individuals), please contact the Bank Register of Client Information (external link).

The Czech National Bank is the guarantor for the projects and for the further development of the CCR system. The projects were implemented in close cooperation with the Czech Banking Association. The comments of individual banks were also taken into consideration. As part of the latest project (2025), the original CCR data collection layer was discontinued and replaced by data collection from AnaCredit and RIAD.

The sharing of information on clients' commitments and payment discipline widens the range of applicable instruments in the credit risk management area. The main reasons for implementing the CCR projects were expected positive effects in lowering the proportion of high-risk receivables in the Czech banking sector and the experience from the long-term operation of similar credit registers abroad, in particular the EU.

CCR participants

CCR participants are all the banks and branches of foreign banks carrying on business in the Czech Republic, as well as other persons where so provided in a special legislative act. CCR participants are required to update the CCR database on a monthly basis by reporting to the AnaCredit / RIAD. Each of the participants has access to the information in the system, as does the Czech National Bank as the CCR operator.

Banks and branches of foreign banks can currently access CCR data outputs via web services or a web application, both of which meet strict data security requirements. Connection via web services enables participants to integrate credit outputs into their internal systems, while the web application provides a modern and intuitive interface for viewing and working with the outputs offered by the CCR system.

Extracts from the CCR

Clients are entitled to access the information kept on them in the CCR database. Detailed information on extracts from the CCR is available on the Extracts from the CCR page.

Name	Domain	Expiration	Description
cc_cookie	cnb.cz	1 year	Used to establish a session with the cookie bar after our website is loaded for the first time, including the management of your settings regarding consent to the use of cookies on our website.
YSC	youtube.com	Valid during the session, i.e. during the time you are viewing our website.	Used to remember your access and integrate your YouTube actions.
PREF	youtube.com	2 years	Used by YouTube for storing your preferences and other unspecified purposes.
JSESSIONID	cnb.cz	Valid during the session, i.e. during the time you are viewing our website.	We use it to maintain an anonymous user session on the part of the server.

Name	Domain	Expiration	Description
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_gat	cnb.cz	1 minute	Helps us understand how you use our website. Used to limit the speed and frequency of requests.
_gid	cnb.cz	24 hours	Helps us understand how you use our website. Used to distinguish between individual users.
_utma	google.com	2 years	Helps us understand how you use our website. Used to distinguish between users and sessions. The cookie file is created upon the launch of a javascript library if no _utma cookie files currently exist. The cookie file is updated every time data are sent to Google Analytics.

Name	Domain	Expiration	Description
1P_JAR	google.com	1 month	Sets a unique ID for storing your preferences and other information such as website statistics and tracking conversion rates.
OGPC	google.com	1 month	Used to manage your preferences in Google. The cookie file saves your preferences and user information every time you visit a website containing Google Maps.
NID	google.com	6 months	Used to manage your preferences in Google. The cookie file contains a unique ID used by Google to remember your settings and other information, e.g. your preferred language and how many search results per page you want to view.
VISITOR_INFO1_LIVE	youtube.com	6 months	Used to manage your preferences on YouTube. The cookie file contains a unique ID used by YouTube to remember your settings and other information, e.g. your preferred language and how many search results per page you want to view. In addition, it helps detect and remove problems with the service.
CONSENT	youtube.com	20 years	Used by YouTube to store your consent to the use of third-party content.
cc_youtube	cnb.cz	1 year	Used to manage your preferences regarding consent to the use of cookies related to viewing YouTube video content on our website.