The participating Austrian banks submitted micro-data on a transaction-by-transaction base by the software ABACUS/GMP i.e. loans in a standardized data model, the so-called “basic cube”, defined by OeNB and the banks. These basic cubes are augmented with additional attributes, from which the required reports are derived in the form of multidimensional data cubes, the so-called “smart cubes”. These are then submitted to OeNB and evaluated there.