AnaCredit reporting requirements brought in the idea of granular reporting based on a well-defined Logical Data Model. The mandate went live in 2018 Q3 and banks have completed few rounds of reporting. When discussing with our clients in Netherlands on their biggest challenges in submitting AnaCredit reports, data quality and validation of report before submission stood out as prominent issues. Deloitte is launching a Validation Service for AnaCredit reports that automates all the technical and business rules specified in the Logical Data Model and offers a customised advice how to tackle the data quality issues at source. Want to know more? Check out the attached flyer or get in touch with me / my colleagues.

1. Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited (“DTTL”), its global network of member firms, and their related entities. DTTL (also referred to as
“Deloitte Global”) and each of its member firms are legally separate and independent entities. DTTL does not provide services to clients. Please see www.deloitte.nl/
about to learn more.
Deloitte is a leading global provider of audit and assurance, consulting, financial advisory, risk advisory, tax and related services. Our network of member firms in more
than 150 countries serves four out of five Fortune Global 500® companies. Learn how Deloitte’s approximately 286,000 people make an impact that matters at www.
deloitte.nl.
This communication contains general information only, and none of Deloitte Touche Tohmatsu Limited, its member firms, or their related entities (collectively, the
“Deloitte network”) is, by means of this communication, rendering professional advice or services. Before making any decision or taking any action that may affect your
finances or your business, you should consult a qualified professional adviser. No entity in the Deloitte network shall be responsible for any loss whatsoever sustained
by any person who relies on this communication.
© 2019 Deloitte The Netherlands
AnaCredit: granular reporting based
on Logical Data Model
•• Starting with the new AnaCredit report
in 2018, the regulators are shifting from
traditional template-based (aggregated)
reports towards data-model-based
(granular) reports.
•• In Netherlands, the regulator De
Nederlandsche Bank (DNB) has published
a detailed Logical Data Model (LDM) to
describe the Data Delivery requirements
for the AnaCredit report.
•• The LDM describes various tables,
relationship between tables, consistency
checks, data quality checks and more
importantly, hundreds of business rules,
which the AnaCredit report must comply
with.
•• The report will be accepted by regulators
only if it satisfies all the requirements
stated in the Logical Data Model, the Data
Delivery agreement and passes all the
(blocking) validation rules.
Challenges for banks
•• The complexity of the Logical Data Model
makes the manual validation checks
of the generated reports very labour-
intensive and prone to error.
•• Not having an in-house automated
solution for validating the report could
result in very long turn-around times
and multiple submissions to regulators.
In worst cases, even deadline could be
missed.
•• The validation report from regulators is
very technical, difficult to interpret & act
up on.
•• After the grace period expires in 2020,
banks which have exemption to submit
just quarterly reports will have to submit
AnaCredit monthly, thus increasing their
workload substantially.
•• The data model is updated frequently,
making it cumbersome to keep up with
the changes.
Deloitte’s Validation engine for
AnaCredit
•• Deloitte has developed a validation
engine that automatically checks
all technical and business rules and
generates a user-friendly Excel report in a
matter of minutes.
•• The failing (complex) technical validation
rules are explained in a way that’s easy to
understand for business users.
•• Deloitte will keep the Validation engine
up-to-date with the latest version of data
model published by regulators.
•• The Validation engine can be easily
deployed for any jurisdiction which is
using either local data model defined by
country regulator or common ECB data
model.
Contact information
Venkat Sambandan
Manager
Deloitte Risk Advisory B.V.
+31 6 2025 2220
vsambandan@deloitte.nl
Otto van Buuren
Senior Consultant
Deloitte Risk Advisory B.V.
+31 6 2291 5532
ovanbuuren@deloitte.nl
Stuti Oberoi
Senior Consultant
Deloitte Risk Advisory B.V.
+31 6 5005 5356
stoberoi@deloitte.nl
Automated validation engine from Deloitte ensures
completeness, correctness and accuracy of AnaCredit
report in a matter of minutes.
Validation Service for AnaCredit reports