Batch User Guide produced by CRIF - Janata Bank

The following graphical representation shows the situation in the database of a Bank on May 1 st ,
how the situation changes on May 31 st , what this means for the contribution on June 5 th , then
assumes no changed in the month of June, and shows the contribution for July 5 th , according to
the indications provided above.
4.1.2 SUBJECT DATA FILE
It is a single Subject Data file, which contains:
o all Subject information for individuals, sole traders (and their owners), or
companies linked to contracts (i.e. Subjects that are Borrowers, Co-Borrowers, or
Guarantors on any such contract) that were approved, refused or renounced in the
reference month unless they had been sent before. For example, if Subject “A” is
the Guarantor on a contract “X” that is being contributed in the Contract Data file,
his data must be contributed with the same monthly contribution in the Subject
Data file. If months later he is a Co-Borrower on another contract, his data need
not be sent again.
o all Subject Data for individuals, sole traders, or companies previously contributed
and for which any of the fields have changed in the reference month. For example,
if Subject “B” had been contributed in the past and in the last month he changed
his address and communicated this information to his bank, that bank must
provide the full Subject data file, with the new address, in the Subject Data file of
the monthly contribution.
o Links between “owners” and Companies. “Owners” are defined as Individuals with
a special role in a company according to the table 5.4.16. These must be
contributed at least once. After the first contribution they can continue to be
contributed but it is not necessary. Should any additional “Owner” need to be
added to a contributed company, they must be contributed. In order to remove the
link between one or more “Owners” and a specific Company, you need to contact
CIB.
o Please note:
• The very first contribution will include ALL Subjects for which Contracts are
being contributed to populate correctly the CIB database
The following graphical representation shows the situation in the database of a Bank on May 1 st ,
how the situation changes on May 31 st , what this means for the contribution on June 5 th , then
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