Central Bank of the Republic of Kosovo adopts new methodological guideline to expand reporting to the Kosovo Credit Registry

The Central Bank of the Republic of Kosovo has approved a new methodological guideline for data reporting in the Kosovo Credit Registry System, requiring banks and other credit-giving institutions to report in a central bank-specified format and increasing the detail of information captured in the registry. The revised reporting framework is intended to deliver more granular data on borrowers’ repayment capacity, debt burden, credit costs, loan classification and purpose, collateral values, borrower gender, and credit applications that are rejected or still in process, alongside updates to key borrower data. Collateral reporting will be expanded to include registered values, market values, revalued values and other elements to support supervision of capital adequacy, provisioning levels and lending practices, including consumer protection. Gender-disaggregated reporting is also positioned as an input to the central bank’s work on women’s access to finance supported by the European Bank for Reconstruction and Development through the WE Finance Code. Implementation will cover both new loans and the full portfolio of active loans, with the new data requirements introduced in phases. The central bank notes the guideline was developed in consultation with implementing financial institutions and supported by capacity-building work and technical assistance from the International Finance Corporation as part of collaboration on digital financial services.