Batch User Guide produced by CRIF - Janata Bank

More documents

Recommendations

Info

3.9 METHODS OF SENDING MONTHLY DATA MONTHLY CONTRIBUTION: The SUBSCRIBER must ensure that the monthly contribution reaches CIB by the 20 th of every month, sending data relating to the previous month (e.g. for 20 th July, the data refer to the month up to the 30 th June). For technical details regarding the contribution please refer to section 4.2 12 of 92
4 INSTRUCTIONS FOR DRAFTING DATA CONTRIBUTIONS 4.1 CONTRIBUTION FILES The data contribution must include the following two separate files with the specified information every month: a Contract Data file and a Subject Data file. 4.1.1 CONTRACT DATA FILE It is a single Contract Data file, which contains: o all Contracts (installment, non installment, credit card and revolving credit operations) that were Approved, Refused or Renounced in the reference month. o all existing (living) Contracts that were reported in the previous month or in previous months. PLEASE NOTE: • even if nothing has changed in the contract, once a contract is existing (living), all the relevant information must be sent each month. o all Contracts that terminated (i.e. were closed) during the reference month, whether these contracts were closed at the natural end of the contract (closed), or were terminated prior to the natural and expected end of the contract for whatever reason (closed in advance). For example, an Instalment Loan that was fully repayed on time will be closed. An Instalment Loan that was fully repayed months before it expired is closed in advance. The same goes for Non-Instalment loans. o Y score, Z score, and Grading (optional) o all links that indicate for each Contract, any new Co-Borrower or Guarantor. PLEASE NOTE: • Each contract can have one and only one Borrower, identified via the FI Subject code. • Co-Borrowers and Guarantors are provided as specific links. • Please refer to section 4.1.3 for further information. It follows from the above indications that the Contract Data file WILL NOT contain: o open requests, that is those that have not yet been Approved, Refused or Renounced yet. These are reported via the online channel, not the batch channel o requests that were Refused or Renounced in previous months, and for which a contribution indicating status as Refused or Renounced has already been provided. For the sake of clarity, let‟s say a Subject “A” provides a request to Bank 1 for credit on May 1 st . The Bank provides an online enquiry that automatically writes the Request to the System via the online channel. On June 10 th the bank Refuses the request. Therefore in the May contribution (which must be sent to CIB by June 20 th , and in our example is sent on June 5 th ) no info is provided via batch on the Request. In the June contribution (which must be sent to CIB by July 20 th , and in our example is sent on July 5 th ) Bank 1 will update the request as Refused. In the July contribution (which must be sent to CIB by August 20 th , and in our example is sent on August 5 th ) Bank 1 will no longer report any information on the Refused request. o contracts that were Closed or Closed in advance in previous months, and for which a contribution indicating status as Closed or Closed in advance has already been provided. For the sake of clarity, let‟s say a Subject “A” has an existing Contract at Bank 1 for credit set to expire on June 30 th which is repayed in full and on time. Therefore in the May contribution (which must be sent to CIB by June 20 th , and in our example is sent on June 5 th ) the Contract Data is regularly sent to CIB as the contract is ongoing. In the June contribution (which must be sent to CIB by July 20 th , and in our example is sent on July 5 th ) Bank 1 will update the Contract status as Closed. In the July contribution (which must be sent to CIB by August 20 th , and in our example is sent on August 5 th ) Bank 1 will no longer report any information on the Contract. 13 of 92
Page 1 and 2: Userguide Manual - Batch Monthly Co
Page 3 and 4: 5.4.14 TABLE REAL GUARANTEE TYPE __
Page 5 and 6: Added section 5.2.1, 5.2.3, and 5.2
Page 7 and 8: New Credit Line Data - New Contract
Page 9 and 10: 3.4 WHY SHOULD I SEND REQUESTS One
Page 11: Therefore, please make sure that ev
Page 15 and 16: assumes some changes in the month o
Page 17 and 18: 4.2.1 FTPS The monthly contribution
Page 19 and 20: for Alphanumeric Fields: right padd
Page 21 and 22: Table - Country Code This list stat
Page 23 and 24: FROM TO FIELD NAME COMMENTS TYPE Ma
Page 25 and 26: avaliable/not available available,
Page 27 and 28: 166 166 Sector Type the field is ma
Page 29 and 30: 801 801 National ID Number avaliabl
Page 31 and 32: 173 184 T.I.N. Taxpayer Identificat
Page 33 and 34: and footer rows) Data Length 27 28
Page 35 and 36: Please note that the order in which
Page 37 and 38: The Column “TO” provides the po
Page 39 and 40: 84 91 Date of Last Payment The date
Page 41 and 42: Body for Record Type: Cards contrac
Page 43 and 44: data belong 9 24 F.I. Subject Code
Page 45 and 46: 108 117 Error Code See table errors
Page 47 and 48: Q T C S Y I quarterly instalments-9
Page 49 and 50: 034 Merchandise Export Commodities
Page 51 and 52: 113303 Bangla Academy 113304 Bangla
Page 53 and 54: 121710 Ansar-VDP Development Bank 1
Page 55 and 56: 909299 Others 909100 Insurance Comp
Page 57 and 58: BU MC BC BB MS TR PH MP MT FI BS PC
Page 59 and 60: 2102 Electric / Electronic Goods (F
Page 61 and 62: 8412 Chemicals (except Medicine) 84
Page 63 and 64:
EL SALVADOR EQUATORIAL GUINEA ERITR
Page 65 and 66:
NORWAY OMAN PAKISTAN PALAU PALESTIN
Page 67 and 68:
AWG AZN BAM BBD BDT BGN BHD BIF BMD
Page 69 and 70:
NIO NOK NPR NZD OMR PAB PEN PGK PHP
Page 71 and 72:
Jhalokathi Jinaidaha Joypurhat Khag
Page 73 and 74:
4 053 Multiple headers in Subject f
Page 75 and 76:
10 157 Total financed amount = [0]
Page 77 and 78:
10 345 Contract refers to subject i
Page 79 and 80:
Company 1: Individual 2: 79 of 92
Page 81 and 82:
Contracts file: Non instalment Cont
Page 83 and 84:
Subject information for Proprietors
Page 85 and 86:
Please note: this does not apply to
Page 87 and 88:
31/03/2008 500,000 1,000,000 30/04/
Page 89 and 90:
epay a non instalment loan that is
Page 91 and 92:
- Contract Type = must be the same
show all

Batch User Guide produced by CRIF - Janata Bank

Create successful ePaper yourself

Delete template?

Save as template?