Batch User Guide produced by CRIF - Janata Bank
Batch User Guide produced by CRIF - Janata Bank 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 14 of 92
assumes some changes in the month of June, and shows the contribution for July 5 th , according to the indications provided above. Please note, as stated above, contributions must be sent by the 20 th of each month, but early contribution (such as by the 5 th ) should be attempted whenever possible. 4.1.3 Type of Link (Roles on a contract) The data records of all the Subjects related to a credit line must be sent to CIB, and a role on said Contract must be assigned to each Subject (also known as Type of Link). CIB carries out consistency checks on the Subjcets linked to the Contacts based on the following information: if the Contract has one and only one Borrower WITH DIRECT RISK, that Subject is attributed the role of BORROWER. Any eventual Guarantors associated with the Contract will be contributed with role GUARANTOR. In this case there are no Co-Borrowers (since we said there is only one subject with direct risk). The FI Subject Code of the BORROWER must be sent (from column 9 to column 24 in Contract data - Body for Record Type: General information for all types of Financing) whenever the contract is sent. During the life of contract, the subject code can never change. if there is more than one client involved in the Contract as Borrower WITH DIRECT RISK, one will be assigned the role of BORROWER, the others will be assigned the role of CO- BORROWERS. As in the previous case there can also be GUARANTORS. GUARANTOR clients are those which provide guarantees for the Contract. Please refer to tables 5.4.13 and 5.4.14 CO-BORROWERS and GUARANTORS links must be provided through the CONTRACT DATA FILES – Body for Record Type: contract Links. all Co-Borrower and all Guarantor links must be provided with the first available contribution. After that, providing them again is not necessary but will not cause an error as long as they are the same. Should new Subjects be added to the contract, you must provide their role. Instead if you want to remove existing Subjects with role on a contract, this cannot be done automatically but must be done by contacting CIB. 15 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 and 12: Therefore, please make sure that ev
- Page 13: 4 INSTRUCTIONS FOR DRAFTING DATA CO
- 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
assumes some changes in the month of June, and shows the contribution for July 5 th , according<br />
to the indications provided above. Please note, as stated above, contributions must be sent <strong>by</strong><br />
the 20 th of each month, but early contribution (such as <strong>by</strong> the 5 th ) should be attempted<br />
whenever possible.<br />
4.1.3 Type of Link (Roles on a contract)<br />
The data records of all the Subjects related to a credit line must be sent to CIB, and a role on<br />
said Contract must be assigned to each Subject (also known as Type of Link). CIB carries out<br />
consistency checks on the Subjcets linked to the Contacts based on the following information:<br />
<br />
<br />
<br />
<br />
if the Contract has one and only one Borrower WITH DIRECT RISK, that Subject is attributed<br />
the role of BORROWER. Any eventual Guarantors associated with the Contract will be<br />
contributed with role GUARANTOR. In this case there are no Co-Borrowers (since we said<br />
there is only one subject with direct risk). The FI Subject Code of the BORROWER must be<br />
sent (from column 9 to column 24 in Contract data - Body for Record Type: General<br />
information for all types of Financing) whenever the contract is sent. During the life of<br />
contract, the subject code can never change.<br />
if there is more than one client involved in the Contract as Borrower WITH DIRECT RISK, one<br />
will be assigned the role of BORROWER, the others will be assigned the role of CO-<br />
BORROWERS. As in the previous case there can also be GUARANTORS.<br />
GUARANTOR clients are those which provide guarantees for the Contract. Please refer to<br />
tables 5.4.13 and 5.4.14<br />
CO-BORROWERS and GUARANTORS links must be provided through the CONTRACT DATA<br />
FILES – Body for Record Type: contract Links. all Co-Borrower and all Guarantor links must<br />
be provided with the first available contribution. After that, providing them again is not<br />
necessary but will not cause an error as long as they are the same. Should new Subjects be<br />
added to the contract, you must provide their role. Instead if you want to remove existing<br />
Subjects with role on a contract, this cannot be done automatically but must be done <strong>by</strong><br />
contacting CIB.<br />
15 of 92
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