Central Bank of the Republic of Azerbaijan
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Transcript of Central Bank of the Republic of Azerbaijan
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Central Bank of the Republic of Azerbaijan
www.cbar.az
Baku – 2012
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What is CCR?
22 Centralized Credit Registry serviceCentralized Credit Registry servicewww.www.cbarcbar..azaz
The CCR has been established as a centralized database connecting all banks
and almost all non-bank credit institutions (NBCIs);
Both negative and positive data on borrowers are kept in the database;
The CCR gathers the data on all loans of both - individuals and legal entities;
Banks and NBCIs are obliged to submit information on their clients’ credit
liabilities to the CCR;
Banks and NBCIs may obtain information from the CCR in real time regime;
Borrowers may obtain their credit report free-of-charge based upon a
relevant application to the CCR service;
The CCR has an interface with the centralized ID registry to identify
borrowers;
The credit report of the registry presents the data on the quality of
repayment for more than 24 months.
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Coverage of the CCR
At present, 41 of 43 commercial banks operating across the country use the
CCR system. Branch net of 22 banks has completely joined the system. More
than 750 users of 375 branches are using the system on-line.
Centralized Credit Registry serviceCentralized Credit Registry service
Non-bank credit organizations
24 of 27 NBCIs are connected to the CCR. The work on connection of other
NBCIs with relatively small loan portfolios to the CCR system is under way.
Commercial banks
www.www.cbarcbar..azaz
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Statistic data on borrowers
462,120
704,275
962,546
1,119,711
1,355,346
2008 2009 2010 2011 2012 July
Borrowers
Dynamics Legal entities Credits issued to legal
entities take 1.7% of
all credits issued.
23 133
Total number of credit information – 3 550 477
Centralized Credit Registry serviceCentralized Credit Registry service
IndividualsThe key portion of data
is on loans issued to
individuals.
1 332 213
www.www.cbarcbar..azaz
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5
The CCR in numbers (dynamics)
Centralized Credit Registry serviceCentralized Credit Registry servicewww.www.cbarcbar..azaz
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Effectiveness
66www.www.cbarcbar..azaz Centralized Credit Registry serviceCentralized Credit Registry service
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7
77
Multiple borrowing ratio
www.www.cbarcbar..azaz Centralized Credit Registry serviceCentralized Credit Registry service
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Doing business 2012
88www.www.cbarcbar..azaz
Getting credit
Indicators Azerbaijan Eastern Europe & Central Asia OECD
Strength of legal right index (0-10) 6 7 7Depth of credit information index(0-6) 5 5 5Public credit registry coverage (% of adults) 15.6 16.2 9.5
Private credit bureau coverage(% of adults) 0 29.4 63.9
48 The Netherlands
48 France
48 Azerbaijan
50 Regional average
(Eastern Europe & Central
Asia)
78 Turkey
78 Kazakhstan
98 Russia
http://doingbusiness.org/data/exploreeconomies/azerbaijan/#getting-credit
Centralized Credit Registry serviceCentralized Credit Registry service
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www.cbar.az
Any questionsAny questions ??????
Centralized Credit Registry serviceCentralized Credit Registry servicewww.www.cbarcbar..azaz