About the System
System for Analysis and Monitoring of Real Estate Market (AMRON System) is the only interbank, standardized database on real estate prices and values. What makes our database an unique source of knowledge about Polish real estate market, is the complex scope of information – the database includes data on property characteristics, location, transaction prices and values defined in appraisal reports, sales offers and other completely verifiable sources. AMRON database fulfills the highest quality standards, stipulated in detail by Financial Supervision Authority in newly amended Recommendation J on rules of collecting and processing data on real estate by banks.
The database is co-created by banks, which ensures access to data on real estate serving as collateral for claims from all information sources available to banks, including the unique nature of information on collateral values and mortgage lending values. Additionally, data is obtained from interbank sources.
The use of the AMRON System by banks enhances the quality of credit risk and collateral management, supports compliance with regulatory requirements and helps harmonise analytical standards across the banking sector.
AMRON also represents significant sector-wide value – serving as a tool that strengthens real estate market transparency, promotes responsible financing and contributes to the long-term security and credibility of the banking sector as a whole.
What makes AMRON unique? The unquestionable strengths of the AMRON System
The AMRON System has undergone modernization. New fields in the database structure and implemented validations have aligned the data resource with the requirements of Recommendation J. An expanded, detailed and standardized description of real estate, combined with the Buildings Database Project, ensures the highest quality of information. It is the only comprehensive source of information about buildings, widely used by System participants.
AMRON is not only a real estate database, but also an extensive database of transactions, including market transactions concluded even on the smallest markets. The standardization of data supplied to the System, the continuous verification process and advanced algorithms implemented in the reports provide support and a ready-to-use tool for work at every stage of real estate lending.
We guarantee:
- solidity – safe system established by and for banking sector and broadly defined participants of the real estate market, under the patronage of Polish Banks Association
- quality – AMRON as the only in Poland interbank database on real estate within the meaning of the Recommendation J fulfils the highest quality criteria determined by Financial Supervision Authority in Recommendations addressed to banks and SKOKs (Digital Operational Resilience Act (DORA), Recommendation J, Recommendation S, Recommendation W, Recommendation A-SKOK)
- availability – AMRON is user-friendly, intuitive and easy to use web application available on-line – it requires no additional technical or financial outlays
- the highest safety and performance standards, monitored on a daily basis and verified by cyclic security audits
- quality surveillance – we act accordingly to Policy on data quality and internal procedures of data verification, highly evaluated by the independent auditor, Deloitte Advisory
- data representativity – territorial distribution of data resources represents the depth of local markets and credit activity of Polish banking sector
- reliability confirmed in internal processes of verifying the reliability of interbank database conducted by participating banks, as well as in reports of independent auditors
- accurateness– AMRON is a benchmark for media and many national and commercial institutions, dealing with professional analysis of real estate market turnover.