Following an ECB recommendation in 2022, the bank had to ensure the reliability and industrialize the production of its Loan Tapes — a granular report on the credit portfolio, subject to short deadlines (3 weeks) and maximum quality requirements.

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Before the project, production relied on manual Excel/SQL data collection for 240 metrics, ad-hoc scripts, and post-hoc controls, permanently engaging 3 FTEs — with significant human pressure (night and weekend on-call duties), high error risks, and a recurring risk of non-compliance with ECB deadlines.

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Prime Analytics has designed a complete industrial pipeline, structured around four principles:

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1. Upstream control

Data presence, completeness, and consistency verified upon collection, to avoid discovering anomalies at the end of the process.

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2. Automate consolidation

Elimination of manual macros, SQL scripts, and ad-hoc files, replaced by configurable and documented Alteryx workflows.

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3. Industrialize submission

Automated generation of ECB-format Loan Tapes, integrated quality controls, end-to-end traceability.

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4. Distribute via Power BI

Made available to entities via interactive dashboards for business visualization and validation.

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The industrialization of Loan Tape reporting transformed a regulatory-pressured process into a controlled, reliable, and humanly sustainable production.The contrast between the historical chain and the industrialized chain illustrates the extent of the transformation, carried out in less than 10 weeks.

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• Production times : reduced from 7 days to 48 to 72 hours, with a response to ECB requests within a few hours. went from 6 man-days to by report and by entity — a production ratio divided by 50.

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• Analytical Coverage : moved from fragmented manual data collection to an automated consolidation across 240 metrics.

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• Staffing : moved from 3 permanent FTEs and recurring on-call duties to teams freed from urgent tasks, with the elimination of late nights and weekends.

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• Reliability : moved from a high risk of errors to a auditable and reproducible workflow, with integrated quality controls and full traceability.

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— Beyond time savings, there's a human impact: teams no longer endure regulatory pressure; they manage it.‍

The industrialized Loan Tape process now meets ECB deadlines without putting pressure on the teams. Production time is reduced from 7 days to 48-72 hours, the 240 metrics are automatically consolidated, and end-to-end traceability allows us to justify every figure to the regulator within hours.

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Beyond immediate performance, the project has transformed the Risk function's approach: what was a constantly strained process has become a controlled system, operable autonomously by internal teams. The 3 FTEs previously constantly occupied have been redeployed to higher value-added analyses.

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The system has now been extended to other prudential reporting within the bank and serves as an internal benchmark for industrializing critical processes under regulatory constraints.

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