The Credit Registry is the electronic database of borrowers in the Albanian banking and financial system. The Bank of Albania is the administrator of this system, since its start of operation on 3 January 2008.
The registry provides the reporting institutions during the process of credit analysis and decision-making with additional information on the borrower’s history.
Reporting institutions to the Credit Registry are all the banks and other lending non-financial institutions, licensed by the Bank of Albania.
The Credit Registry generates the Borrower’s Report with information on the amount of loan, its repayments, overdue amounts, warranties, data on the loans in which the borrower appears as a related person, and loan classification. Since April 2016, this Report identifies loans under an execution order, restructured loans and issued loans.