Glossario

The reporting threshold is the minimum limit of the amount to be reported to the Central Credit Register (CR). For loans not classified as bad, intermediaries must report them to the CR when the customer owes a total amount of at least €30,000. The same applies to guarantees. Bad loans must be reported if the amount exceeds €250.

On a monthly basis, intermediaries submit data on loans and guarantees that exceed the reporting threshold to the CR according to a scheme established by the Bank of Italy. The data concerns the reporting category to which the loan or guarantee belongs, its duration and the type of financing (mortgage, lease, current-account credit facility, etc.).

For CR data collection purposes, the reporting categories group together loans and guarantees sharing common characteristics. For example, the 'maturity risk' category includes financing agreements with a contractually established maturity, like mortgage loans or leasing contracts. Instead, the 'revocation risk' category includes current-account credit facilities.