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BANKING

Initial state of play: At the National
Bank a project is underway aimed at es-
tablishing a new system for granular in-
tegrated reporting by banks and savings
houses, for statistical and supervisory
purposes. The practical support of Ban-
co de Portugal, as an institution with
many years of experience and a modern
system for the collection and dissemi-
nation of statistical data was essential
for the design of the new system.
Outcomes: Through a series of expert
missions and an internship in Banco de
Portugal, the National Bank has deep-
ened its knowledge of the processes of
data collection, validation, processing
and dissemination. The transferred ex-
perience regarding the applied IT solu-
With the experts from Banco de Portugal tions, data sources and analytical tools
is a significant support for the success-
Bank has the legal authority to conduct ful implementation of the new project
macroprudential policy and already ap- for granular reporting. The measure
plies macroprudential instruments and improved the reporting structure, the
measures. However, it is useful to have establishment of centralized registers
an insight in the practical experience and the integration of data. Access to
of foreign central banks in order to im- data science training platforms further
prove the application of such measures, improved the competences of the em-
primarily measures for the quality of ployees. The project is at an advanced
credit demand (borrower-based meas- stage, with a legal framework in place
ures) and capital buffers for systemi- and a ready-made IT application solu-
cally important banks and the systemic tion for data reception, which is in the
risk buffer. testing phase. The reporting of banks
Outcomes: The cooperation with and savings houses under the new sys-
Česká národní banka provided valua- tem is scheduled to start in September
ble insights into the establishment and 2026, which is an excellent example of
assessment of the expected effects of the strategic long-term impact of the
macroprudential measures. The Na- cooperation with Banco de Portugal-
tional Bank has already initiated chang- within the framework of the EU-funded
es to the measures concerning the qual- Regional Programme.
ity of credit demand and the knowledge
gained was useful in the process of Strengthening bank resolution ca-
their calibration. Colleagues from the pacities (in cooperation with Hrvatska
partner central bank also stressed the narodna banka)
importance of developing early warning Initial state of play: With the new
systems and financial cycle indicators. Bank Resolution Act, adopted in Octo-
This would enrich the toolkit for identi- ber 2023, the National Bank assumed
fying systemic risks and increase the ef- the role of the national resolution au-
ficiency of the macroprudential policy. thority, with a transition period of two
years for the adoption of the necessary
Strengthening the capacity to es- bylaws. A key challenge is capacity
tablish a granular integrated reporting building in bank resolution planning,
system (in cooperation with Banco de the use of resolution tools and practical
Portugal) challenges.

15 октомври 2025 487