Batch User Guide produced by CRIF - Janata Bank

2 INTRODUCTION
2.1 Purpose
The current user guide is a tool for users of the online Credit Bureau system at Bangladesh Bank
(the System from now on). Specifically, the user guide details the key processes needed for the
monthly contribution.
There are essentially two different kinds of interaction between users and the System: Online
and Batch.
The Online interaction is accessed by users of the system (Banks and Non-Banking Financial
Institutions) to:
a) Notify CIB of a new request for Credit that your institution received from a client and/or
b) To update some attributes of a credit request and/or
c) To retrieve a credit history on a Client of your institution
The Batch interaction, instead, is used by users of the system to communicate, on a periodical
basis, relevant information on its Clients and their financial obligations at the institution.
The two interactions are quite different, in terms of what they are meant to achieve, how they
are carried out and who within your institutions will need to be trained on it. For this reason we
are providing separate user guides for the Online and Batch components.
The current user guide is for the BATCH component.
It is not meant as a comprehensive, all inclusive resource, but as a first document of reference
for the most common needs of the user.
For any questions or comments, please contact the contribution support team via email at
mehedi.hasan@bangladeshbank.org, or via phone number at 7126101-20/3045
2.2 Audience
All Banking and Non-Banking Financial Institutions regulated by Bank of Bangladesh are
mandated to contribute to the System. This user guide is therefore aimed at the technical team
of each institution that is responsible for implementing the regular contribution of data to the
System.
2.3 GLOSSARY
Below are definitions of some important terms used in this document:
Financial Institution (FI) - User: the terms are used interchangeably to mean the bank or
non-banking financial institution that is regulated by the Bangladesh Bank and must therefore
send monthly data updates to the credit bureau.
Client: a customer of the FI that has requested a new credit relationship with such FI or who
already has a credit relationship with them, including any related Co-Borrowers, Guarantors, and
Owners/Shareholders of Companies.
Consumer - Individual: an individual who has requested or obtained credit
Non-Consumer: a Sole Trader or a Company who has requested or obtained credit
Contract – Account - Credit Line Data: terms used intercheangebly to identify the dataset of
„financial and other information‟ relating to a credit relationship
Subject - Client Data: the dataset of „personal information‟ relating to an interested party –
this includes information on Consumers and Non-Consumers.
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