Batch User Guide produced by CRIF - Janata Bank

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5.2.1 SPECIAL NOTES FOR THE REPORTING OF INSTALMENT CONTRACTS
Instalment Contracts are Contracts where the financed amount is disbursed at once, but paid
back through periodical partial payments, i.e. Instalments. Therefore, when looking at Instalment
Contracts, we track the original financed amount (Total Financed Amount), the number of partial
payments that will be paid during the life of the Contract as well as the value of each payment if
these payments were to be done on a monthly basis for the life of the contract (to get an
average value that can be compared across all Instalment loans), the number of Overdue and
not Paid Instalments as well as the total Value of such Overdue and not Paid Instalments, and
the number of Remaining Instalments (i.e. not yet paid, but also not overdue yet) as well as the
total value of the amount that remains to be paid but is not Overdue yet. Naturally there must be
consistency between these numbers. Therefore if we have a number equal to 0 (whether it‟s
Total Number of Instalments, or of overdue instalments, or of remaining instalments), then the
associated value must also be 0 (so for example we cannot have Number of Overdue
Instalments=0, but value of Overdue Instlaments >0). At the same time, the total number of
instalments must be equal to paid instalments, plus overdue and not paid instalments, plus
remaining instalments. Therefore it follows that overdue and not paid instalments plus remaining
instalment can never be more than total instalments.
5.2.2 SPECIAL NOTES FOR THE REPORTING OF CREDIT CARD TYPE
CONTRACTS
Revolving credit lines and credit lines financed through the use of credit cards are those for which
a credit limit is made available, to be used partially or in its entirety and also at different times,
for the purchase of goods and services from participating retailers or for the attainment of funds
availability. When the card is used during the reference period, the FI charges the customer the
due amount (as a deferred payment) based on of the characteristics of the card.
The FI must send information to CIB regarding every card credit report open on a data client‟s
account that meets the contribution requirements which has the same debit and the same
account statement. Therefore, if there are additional cards within the same card credit report or
if the cards are used by other data clients which are different from the account signatory and
everything is billed at the same time, the contribution to CIB is carried out only once in the name
of the account signatory who is the client that assumes the risk for the purposes of CIB.
As for all other credit lines client to contribution to CB, the reporting of credit card-type credit
lines must also be carried out by the 5 th working day of the month subsequent to the reference
month. When a card is used by the data client and is charged in the month of the monthly
contribution to CIB, if the information regarding payment of this charge has not yet been
received by the FI by the 5 th working day of the month, the contribution of the charge and the
use of the card by the data client must be sent in the next month.
5.2.3 SPECIAL NOTES FOR THE REPORTING OF NON INSTALMENT
CONTRACTS
Non Instalment Contracts are Contracts where a maximum financed amount (Credit Limit) is
made available to the Subject, but not necessarily disbursed to the Subject. The Subject is then
allowed to “draw down” from this amount up to the limit. The amount that at any one point is
drawn down (including any accrued interest on it) is the Utilization of the credit. This is likely to
vary repeatedly as any draw down from and payment to the credit will shift the Utilization
accordingly. Therefore the amounts to be reported are the ones at the end of the reference
month.
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