What the CCR contains

The CCR registers the current and potential credit commitments of:

  • legal entities (except for banks and foreign bank branches)
  • individual entrepreneurs

The obligations of the above entities are subject to registration regardless of whether they are resident or non-resident in terms of their activities in the Czech Republic.

The credit commitments of natural persons (private individuals) are not registered in the CCR. Information on these commitments is recorded in the Client Information Bank Register (CIBR) operated by the Czech Banking Credit Bureau.

The collection of credit information about clients in the register operated by the Czech National Bank and the sharing of this information by the defined group of CCR users is based on provisions of Act No. 21/1992 on Banks, as amended (Article 38a).

Claims of banks and foreign bank branches operating in the Czech Republic and of other entities where so stipulated by a special legislative act ("CCR participants") are subject to registration in the CCR.

The individual credit commitments of CCR participants are registered. These cover:

  • loans drawn, including overdrafts
  • current account debit balances
  • financial leases
  • credit card receivables
  • reverse repo transactions
  • deposits other than reverse repo transactions
  • undrawn lending arrangements and standby credits
  • guarantees issued
  • credit equivalents of other selected off-balance-sheet exposures

The CCR database is sourced from AnaCredit and RIAD data.

The database, updated monthly, contains:

  • client identification data (ID number of company or foreign entity, legal form, company name, registered address, country of registered address, etc.)
  • claim values (total amount, current balance, date of origination and maturity, past-due principal and interest, number of days past due, forbearance and default status, currency, value of collateral by type, etc.)

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), have access to:

  • the granular credit burden containing information on the commitments of each client vis-à-vis banking sector entities in the Czech Republic (individual outstanding loan receivables from clients, including past-due debt, value of write-offs and collateral, loan purpose, loan receivable type, forbearance and default status, etc.)
  • the aggregate credit burden containing information on the total commitments of clients vis-à-vis banking sector entities in the Czech Republic (aggregate outstanding loan receivables from clients, including past-due debt broken down by receivable type).
  • a credit monitor providing a clear visual representation of a client’s credit history over the past 5 years (information on late payments, write-offs and the number of non-zero receivables over time from the perspective of the bank and the banking sector)
  • a detailed database of information provided to the CCR containing all own data entered by the CCR participant into the AnaCredit and RIAD databases, from which the data is sourced into the CCR

The CCR contains information subject to banking secrecy. The transfer of information from this database to legally recognised CCR participants is not a breach of banking secrecy. However, CCR participants must treat information on the clients of another participant acquired from the CCR as if it were information on their own clients.

Under the Act on Banks, any client about whom relevant information is held in the CCR has the right to request an extract from the register.

Information on the current status and 5-year history of client debt liabilities is available in the CCR. The credit monitor and granular and aggregated form of the credit burden rule out the possibility of localisation of an individual client's commitments vis-à-vis a specific CCR participant.

If the required conditions for access to CCR information are met, CCR participants (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) may verify clients' credit commitments using on-line enquiries. An aggregated monthly output of the credit burden of all its own clients is available to each CCR participant.

Binding rules on access to information by CCR participants are set forth in: