technical document centrale des risques - …3].pdftechnical document centrale des risques version...

I.T DEPARTMENT

مديرية المعلوماتية

TECHNICAL DOCUMENT

Centrale des Risques

Version 4.0 June 2015

CDR_40_TD V4.0.doc

BANQUE DU LIBAN I.T DEPARTMENT

Page : 2 CDR 4.0 Technical document (CDR_40_TDV4.0.doc)

TABLE OF CONTENTS

I. WHO SHOULD USE THIS MANUAL 3

II. ABBREVIATIONS 4

III. GENERAL VIEW 5

1. CONCEPT OF BDL CDR PROJECT 5 2. CONVENTIONS OF BDL-CDR 6 3. DATA CYCLE DESCRIPTION 7

IV. MINIMUM SYSTEM REQUIREMENTS 8

V. DATABASE STRUCTURE 9

1. OVERVIEW 9 2. STATIC TABLES 10 3. WORKING TABLES 18 4. INTERFACE FILES WITH THE CDR 26

VI. ADMINISTRATION 53

APPENDIX 1 : LIABILITY TABLES CONTENTS 54

APPENDIX 2 : TECHNICAL SUPPORT 72



I. WHO SHOULD USE THIS MANUAL This manual is intended to help the members of the Centrale Des Risques (CDR) understand

the concept of Banque du Liban CDR 4.0 application, and it provides a complete technical

description of the tables and files used by the application, in order to build an automated

interface to this application and bypass the data entry operation. Note:

The major updates on the last version of the document (August 2013) are highlighted by the

sign:



II. ABBREVIATIONS BDL

Banque du Liban.

CDR

Centrale des Risques.

DC

Data Cycle.

IND.

Individual.

STE.

Company (Societe).

AU

Authorized credit amount.

UT

Used credit amount.



III. GENERAL VIEW

1. CONCEPT OF BDL CDR PROJECT The entry and the validation process of the client amounts are done at the bank or the financial institution itself and for each of its branches. The entered data is then copied on a USB. The copying process creates a BDL-Control (global control record), that should be printed and sent with the USB to the CDR center, along with the special identification forms of its new clients.

In return, members receive from the CDR a copy of the “AVIS(1)” situation file. The “AVIS” file and the risk working tables of the same situation date are used to create the new risk working tables for the next situation date. The next situation date is assigned by the CDR in the “AVIS” file. AVIS (1) AVIS : A file containing the clients global risk amounts among all members, and the numbers assigned for the new clients by the CDR.

Entry by branch : - Data - New clients - Control record

Listing, checking and VALIDATION

COPY all data of all branches on USB

- BDL-control - New clients IDs

Identification forms : CDR-I / CDR-S

BDL

BDL

RISK WORKING

TABLES (Current situation)

RISK WORKING

TABLES (Next situation)



2. CONVENTIONS OF BDL-CDR Any client in a branch with no risk amounts declared in the preceding situation is a new

client.

The branch gives a provisional number in form of “Nbbbrrrrr” where : “N” stands for new client, “bbb” is the branch code, “rrrrr” is a serial number starting from 00001 to 99999.

The entry programs offered by BDL explain this procedure and give an automatic sequential number scale when entering the identification record.

Old clients are the clients declared in the previous situation. The format of an old client

is O99999999 where : “O” stands for old client, “99999999” is the client CDR number.

Previous situation means the situation directly preceding this situation being prepared. Deleted client is a client in a branch who existed in the previous situation but has no risk

amounts in this situation. Any modification of the data of an old client should be notified to the CDR center by

entering the updated information into the system and sending the Identification cards (CDR-I & CDR-S) indicating the changes. In return the CDR center executes the modification and notifies the members through the AVIS file.

The entry of a new client is done by a specific program in the data preparation option

listed in the main menu. All the Identification cards data fields (CDR-I & CDR-S) should be entered into the system.

Control Record is a record containing totals of the data entered. A control record must

be entered for each branch. The control is done on:

The summation of the amounts by subgroup The count of the clients and the summation of their numbers separated as old and

new. A branch with no risk amounts must enter a zero control record.

Validation must be done to ensure that the control records are correct and to give

permission for a copy of the data to diskette. The copying process creates a global record for the bank, called BDL control.

The BDL control must be printed and sent along with the USB, the listing of the new

clients, and the identification forms to the CDR center.



3. DATA CYCLE DESCRIPTION Each month (situation) is considered as one Data Cycle (DC). The different steps to finish a DC are : 1- At the bank or Financial institution and per branch :

Entry of data : Amounts, New Clients, Old clients updates and Control records.

Validation of the entries.

Copy the validated data on a USB. The copy procedure creates a total control for all

the branches of the member called “BDL Control”.

Send the “BDL Control” listing, the USB, the listing of the new clients, the listing of

the updated old clients and the identification cards to the “Centrale des Risques”

center.

2- At the “Centrale des Risques” center :

Receive the USB and validate the contents with BDL control for all members.

Create and send the “AVIS” situation to the member.

3- At the bank or Financial institution and for each Branch :

Receive “AVIS” from CDR, which includes the global risk of the clients, the numbers

assigned to new clients and the next situation date to be prepared.

Update the new clients records with their associated numbers

Create the next situation working tables using the current situation working tables and

the received “AVIS” file.

CDR Member (Bank or financial institution)

CDR center (BDL)



IV. SYSTEM REQUIREMENTS CDR 4.0 is built on Microsoft Access 2007. This application can run on Microsoft Windows XP or Microsoft Windows 7.

It is not mandatory to have Microsoft Access 2007 running on your PC. BDL will provide

you with the necessary runtime.



V. DATABASE STRUCTURE

1. OVERVIEW The CDR 4.0 application is developed using Microsoft Access 2007 environment. The application is built using three Microsoft Database files which are: CDR_40_S.accdb (Static Database) contains the codes and parameters of the

application.

CDR_40_W.accdb (Working Database) contains the risk data of the members.

CDR_40_I.accde (Interface Database) contains the forms, reports and the modules

of the application.

The Interface Database CDR_40_I.accde is linked to the other databases CDR_40_S.accdb and CDR_40_W.accdb. In addition, Interface files (line sequential text files) are used by the application to send or receive data to or from the CDR. Refer to the next paragraphs for detailed information.

CDR_40_I

CDR_40_S

CDR_40_W



2. STATIC TABLES The static tables are database tables used to store the codes and parameters of the application. The file CDR_40_S.accdb contains twenty five static tables which are: Liability tables

LiabilityGroup Contains the main liability groups a client may have, which

are :

Direct

Indirect.

LiabilitySubGroup Contains the liability subgroups a client may have, which are:

Direct Liabilities,

Received Guarantees,

Off balance sheet accounts,

Memorandum items.

LiabilityType Contains all the liability types a client may have. These types

are related to liability subgroups (ACB, AVM, ASH, etc.

…….).

LoanType Contains all possible loan types. The loan types are related

only to the Direct Liability subgroup ( a1, a2, a3, etc…)

LiabilityCrossLoan Contains the possible relation between the liability Types and

the Loan types.

Branches tables

Bank Contains the member name (Bank or Financial Institution).

BankBranches Contains all the branches names and numbers of the member

itself.

Names Dictionnary tables

DictFamily Contains all the possible family names that can be used in the

Identification cards of the individuals.

DictFemale Contains all the possible female names that can be used in the


DictMale Contains all the possible Male names that can be used in the




General codes tables

ClassificationClient Contains the clients economic classification ECO02 as per

Basic Decision 6271 - Basic Circular 28.

ClassificationRisk Contains the risk rating of the loans as per Basic Decision

7159 - Basic Circular 58.

Devise Contains the currencies list DEV01.

EcoSector Contains the possible economic sectors main codes ECO01.

EcoSecSubdiv Contains the possible economic sectors subdivisions codes

ECO01.

EtatContentieux Contains all the possible judicial statuses of the clients.

FormeJuridique Contains all the possible legal forms of the clients.

CreditPortfolio Contains all the possible credit portfolios of the clients.

QualiteAssocie Contains the partners, shareholders and participants types in

a moral person.

JuridiqueCrossQualite Contains the possible relation between the

“FormeJuridique” and the “QualiteAssocie” data tables.

Nationality Contains the nationalities list NAT01.

PlaceRegistre Contains the Lebanese regions used for personal register

locations and addresses.

RegistreCommerce

Contains the trade register locations in Lebanon.

Location

Contains the possible Lebanese regions (caza) or countries

where the loans or the facilities are used.

Special tables

Labels Contains labels used in the application forms for

programming purposes.

STMessages Contains the end-user messages used in the application.

Refer to Appendix 1 for the contents of the Liability tables

These tables are recognized and coded by the CDR center. Therefore any kind of modification is prohibited. A recognized modification should be done by the “Centrale des Risques” administrator.



2.1 Relation between Static tables and CDR declarations

Déclaration à la Centrale Des Risques CDR1 Risques au ____/____/________

No. et Nom de l’établissement : No. et Nom de l’agence : No. et Nom du bénéficiaire :

En millions LL Liability Subgroup 1

Code type de crédit

Code Sect Eco.

Code Devise

Montant Autorisé

Montant Utilisé

Période restante (mois)

Classif. Des

Risques

Pays / Region d'util.

Liability type Loan type Loan type Total


Total des Eng. Directs Liability Subgroup 2

Liability type Liability type

En millions LL Liability Subgroup 1

Code type de crédit

Code Sect Eco.

Code Devise

Montant Autorisé

Montant Utilisé

Période restante (mois)

Classif. Des

Risques

Pays / Region d'util.

Marges Monétaires

et autre



Total des Eng. Indirects Liability Subgroup 2

Liability type Liability type

Liability Group 1 (Direct)

Liability Group 2 (Indirect)



2.2 Static tables description Table name : LiabilityGroup Primary key : LiabilityGroup

Fields Type Format Values

Key LiabilityGroup Byte 9 Description Text(20) Table name : LiabilitySubGroup Primary key : LiabilityGroup, SubgroupCode


Key LiabilityGroup Byte 9 SubgroupCode Byte 9

Description Text(50) Table name : LiabilityType Primary key : LiabilityGroup, SubgroupCode, LiabilityType


Key LiabilityGroup Byte 9 SubgroupCode Byte 9 LiabilityType Byte 99

Shortdescription Text(6) Description Text(50) Authorized Yes/No Ltype Yes/No Margin Yes/No Table name : LoanType Primary key : LoanType


Key LoanType integer 999 ShortDescription Text(4) Description Text(50) LocalCurrency Yes/No Table name : LiabilityCrossLoan Primary key : LiabilityGroup, SubgroupCode, LiabilityType, LoanType


Key LiabilityGroup Byte 9 SubgroupCode Byte 9 LiabilityType Byte 99 LoanType integer 999



Table name : Bank Primary key : BankNumber


Key BankNumber Integer 999 Bank Name Text(30) Table name : BankBranches Primary key : BankNumber, BranchNumber


Key BankNumber Integer 999 BranchNumber Integer 999

BranchName Text(30) Active Yes/No Table name : DictFamily Primary key : DFLatin


Key DFLatin Text(20) DFArabic Text(20) Table name : DictFemale Primary key : DFMLatin


Key DFMLatin Text(20) DFMArabic Text(20) Table name : DictMale Primary key : DMLatin


Key DMLatin Text(20) DMArabic Text(20) Table name : ClassificationClient Primary key : CltClassCode


Key CltClassCode Text(4) CltClassDescriptionLatin Text(105) CltClassDescriptionArabic Text(105) CltClasslevel Text(1) 1,2,3,4 CltClassTerminus Yes/No



Table name : ClassificationRisk Primary key : RiskClassCode


Key RiskClassCode Byte 9 RiskClassDescriptionLatin Text(60) RiskClassDescriptionArabic Text(60) Table name : Devise Primary key : DevCode


Key DevCode Integer 999 DevDescriptionLatin Text(25) DevDescriptionArabic Text(25) ISOCode Text(3) Table name : EcoSector Primary key : SectorCode


Key SectorCode Text(1) Description Text(50) Table name : EcoSecSubdiv Primary key : SectorCode, SubdivCode


Key SectorCode Text(1) SubdivCode Text(2) 99

Description Text(50) Table name : EtatContentieux Primary key : ECCode


Key ECCode Integer 999 ECDescriptionLatin Text(60) ECDescriptionArabic Text(60)



Table name : FormeJuridique Primary key : FJCode


Key FJCode Byte 99 FJDescriptionLatin Text(60) FJDescriptionArabic Text(60) FJtype Text(2) I, S, IS FieldObligation Yes/No Table name : CreditPortfolio Primary key : CrPrtfCode


Key CrPrtfCode Byte 99 CrPrtfDescriptionLatin Text(60) CrPrtfDescriptionArabic Text(60) Table name : QualiteAssocie Primary key : QACode


Key QACode Byte 99 QADescriptionLatin Text(60) QADescriptionArabic Text(60) Table name : JuridiqueCrossQualite Primary key : FJCode, QACode


Key FJCode Byte 99 QACode Byte 99

Table name : Nationality Primary key : NatCode


Key NatCode Integer 999 NatDescriptionLatin Text(35) NatDescriptionArabic Text(35)



Table name : PlaceRegistre Primary key : PRCode


Key PRCode Long Integer 99999 PRDescriptionLatin Text(60) PRDescriptionArabic Text(60) Registre Yes/No

Table name : RegistreCommerce Primary key : RegCode

Fields Type Format Values Key RegCode Byte 99 RegDescriptionLatin Text(60) RegDescriptionArabic Text(60) Table name : Location Primary key : LocCode


Key LocCode Long Integer 999 LocDescriptionLatin Text(60) LocDescriptionArabic Text(60) LocShortDesc Text(4) Table name : Labels Primary key : Controlcharacter


Key Controlcharacter byte 99 Description Text(50) Table name : STMessages Primary key : Code


Key Code Text(6) XXX999 Description Text(150)



3. WORKING TABLES The working tables are database tables used to store information about Clients Identification, Data credits details and Control Records. The file CDR_40_W.accdb contains eleven working tables which are : Situation Used to store all the situation dates that exist in the application

including the current situation date.

Risk tables

RiskID Contains information about the Clients Identification including

those of the previous situation (old) and the newly added in this

situation (new).

RiskID_sub Contains detailed information about the new clients and the

clients being modified.

RiskIDBR Indicates in which branch the client has credits.

RiskAmt Contains the credits amounts details declared by the member and

classified by branch, liability group and subgroup, liability type,

loan type, economic sector, currency, remaining period,

utilization country code and risk classification.

RiskVal Contains the data validation flag of the situation classified by

branch, used for data entry control.

RiskCtl Contains the control records of the situation classified by branch,

used for data integrity purposes.



Avis tables

AvisID Contains the New clients identification information and their new

risk numbers given by the CDR. This table contains also the

Updated Old clients Identification Information.

AvisIdBr Indicates in which branch the clients in AVISID have credits.

AvisAmt Contains the total amount of credits granted by the banking and

financial sector to the clients of the members, classified by

liability group and subgroup, liability type, loan type, economic

sector, currency, remaining period, utilization country code and

risk classification.

AvisBranchCtl Contains the control records of the situation classified by branch,

used for data integrity and statistical purposes.



3.1 Working tables description Table name : Situation Primary key : CurrentSituationyear, CurrentSituationmonth


Key CurrentSituationyear Integer 9999 CurrentSituationmonth Byte 99 PreviousSituationyear Integer 9999 PreviousSituationmonth Byte 99 NextSituationyear Integer 9999 NextSituationmonth Byte 99 SituationStatus Text(1) D = deleted Deletion date Date yyyy/mm/dd Table name : RiskID Primary key : Situationyear, Situationmonth, Clientnumber


Key Situationyear Integer 9999 Situationmonth Byte 99 Clientnumber Text(9) O99999999 for old clients or

Nbbb99999 for new clients. Clientname Text(70) Clienttype Text(1) I = Ind / S = Ste BFdate Text(8) Birth / Foundation date: yyyymmdd RegCode Byte 99 PRCode Long Integer 99999 Registrationnumber Text(12) Table name : RiskID_Sub Primary key : Situationyear, Situationmonth, Clientnumber, clientserial



Nbbb99999 for new clients. clientserial Byte 99 00 for Beneficiary

01,02,03,etc for partners Clienttype Text(1) I = Ind / S = Ste Sex Text(1) M : Male, F : Female Nom Text(20) Prenom Text(20) PrenomPere Text(20) PrenomMere Text(20) FamilleMere Text(20) PrenomConjoint Text(20) FamilleConjoint Text(20) RaisonSociale Text(120) BFDate Text(8) PRCode Long Integer 99999



Fields Type Format Values RegCode Byte 99 RegistrationNumber Text(12) NatCode Integer 999 Residence Text(1) Y: Yes, N: NO AddresseImm Text(35) AddresseRue Text(35) AddresseSect Text(35) AddresseVille Text(35) AddresseLocalite Long Integer 99999 AddressePays Integer 999 AddresseTel1 Text(12) AddresseTel2 Text(12) AddressePostale Text(8) CltClassCode Text(4) FJCode Byte 99 ECCode Integer 999 CrPrtfCode byte 99 Credit portfolio NomsCommerciaux Text(60) Divers Text(120) RiskNumber Long Integer 99999999 QACode Byte 99 PourcentageParticipation Integer 999 Table name : RiskIDBR Primary key : Situationyear, Situationmonth, Clientnumber, Branchnumber



Nbbb99999 for new clients. Branchnumber Integer 999



Table name : RiskAmt Primary key : Situationyear, Situationmonth, Branchnumber, Clientnumber,

Liabilitygroup, Subgroupcode, Liabilitytype, Loantype

Fields Type Format Values Key Situationyear Integer 9999 Situationmonth Byte 99 Branchnumber Integer 999

Clientnumber Text(9) O99999999 for old clients or Nbbb99999 for new clients.

Liabilitygroup Byte 9 1=direct / 2=indirect Subgroupcode Byte 9 1=direct/2=guarnt/1=hbilan/2=mem Liabilitytype Byte 99 Loantype integer 999

keyfield Text(13) SectorCode ||SubDivCode|| CurCode|| RemainingPeriod|| RiskClassCode||UtlCountryCode In case any of the fields is empty the corresponding value will be replaced by the character ‘-‘ for the text fields and by ‘0’ for the numeric fields.

SectorCode Text(1) SubDivCode Text(2) 99 CurCode Integer 999 RemainingPeriod Integer 999 RiskClassCode Byte 9 UtlCountryCode integer 999 Utilization region or country CreditLimit Long integer 9999999 (in millions of LL) CreditUsed Long integer 9999999 (in millions of LL) Marges Long integer 9999999 (in millions of LL) Table name : RiskVal Primary key : Situationyear, Situationmonth, Branchnumber


Key Situationyear Integer 9999 Situationmonth Byte 99 Branchnumber Integer 999 Validationflag Yes/No Y= validated / N= not yet validated



Table name : RiskCtl Primary key : Situationyear, Situationmonth, Branchnumber, Controlcharacter


Key Situationyear Integer 9999 Situationmonth Byte 99 Branchnumber Integer 999 Controlcharacter Byte 9 1,2,3,4,5,6 Controlfield1 Double 999999999999999 Controlfield2 Double 999999999999999 The following table shows the values of the control fields:

Control Character

Control field 1 Control field 2

1 Credit limit total for liability subgroup 1

Credit used total for liability subgroup 1







5 Count of the old clients in this branch.

Sum of the numbers of the old clients in this branch.

6 Count of the new clients in this branch.

Sum of the numbers of the new clients in this branch.



Table name : AvisID Primary key : Situationyear, Situationmonth, Clientnumber


Key Situationyear Integer 9999 Situationmonth Byte 99 Clientnumber Long integer 99999999 Clientname Text(70) Clienttype Text(1) I = Ind / S = Ste BFdate Text(8) Birth / Foundation date yyyymmdd RegCode Byte 99 PRCode Long Integer 99999 Registrationnumber Text(12) Table name : AvisIdBr Primary key : Situationyear, Situationmonth, Clientnumber, Branchnumber

Fields Format Values

Key Situationyear Integer 9999 Situationmonth Byte 99 Clientnumber Long integer 99999999

Branchnumber Integer 999 ClientNumberOriginal Text(9) Nbbb99999 for new clients or

O99999999 for old clients (in case of a modification)

Table name : AvisAmt Primary key : Situationyear, Situationmonth, Branchnumber, Clientnumber,

Liabilitygroup, Subgroupcode, Liabilitytype, Loantype, keyfield

Fields Format Values Key Situationyear Integer 9999 Situationmonth Byte 99 Branchnumber Integer 999

Clientnumber Long integer 99999999 Liabilitygroup Byte 9 1=direct / 2=indirect Subgroupcode Byte 9 1=direct/2=guarnt/1=hbilan/2=mem Liabilitytype Byte 99 Loantype Integer 999

keyfield Text(13) SectorCode ||SubDivCode|| CurCode|| RemainingPeriod|| RiskClassCode|| UtlCountryCode

SectorCode Text(1) SubDivCode Text(2) 99 CurCode Integer 999 RemainingPeriod Integer 999 RiskClassCode Byte 9 UtlCountryCode Integer 999 Utilization region or country CreditLimit Long integer 9999999 (in millions of LL) CreditUsed Long integer 9999999 (in millions of LL) Marges Long integer 9999999 (in millions of LL)



Table name : AvisBranchCtl Primary key : Situationyear, Situationmonth, Branchnumber, Controlcharacter

Fields Description Format Values Key Situation year Integer 9999 Situation month Byte 99 Branch number Integer 999

Control character Byte 9 1,2,3,4,5,6,7,8 Controlfield1 Double 999999999999999 Controlfield2 Double 999999999999999 The following table shows the values of the control fields:

Control Character










5 Count of the clients in this branch in the previous situation.

Sum of the numbers of the clients in this branch in the previous situation.

6 Count of the clients deleted in this branch in this situation.

Sum of the numbers of the clients deleted in this branch in this situation.

7 Count of the new clients in this branch in this situation.

Sum of the numbers of the new clients in this branch in this situation.

8 Count of the clients (old and new) in this branch in this situation.

Sum of the numbers of the clients (old and new) in this branch in this situation.



4. INTERFACE FILES WITH THE CDR The Interface files with the CDR are line sequential text files sent or received by the members to or from the CDR. These files are dispatched via USB. The interface files are of three types : Rbbbyymm (Risk file) contains the data sent from the members to the CDR

at BDL.

Abbbyymm (Avis file) contains the new risk numbers given by the CDR to

the newly declared clients and their related information and

contains also the total amount of credits granted by the banking

and financial sector to the clients of the members.

Fbbbyymm (First file) contains the complete data of the members and used

upon first implementation or in case of modification of the risk

numbers of the clients.

Ubbbyymm (Update file) contains the updates on the static data that occurs at

the CDR. These updates will be replicated on the members static

database when receiving the data from the CDR.

CDR_bbb.ini (Ini file) contains flags that indicate what commands to be

executed at the member’s site upon reception of the data from the

CDR. This file is always attached with the “First file” or the

“Avis file” or the “Update file”. Where bbb = The member number at the CDR,

yy = The situation year (right most 2 digits), mm = The situation month.



4.1 Interface files description File name : Rbbbyymm Record length : 606 characters

The data existing in this file is grouped by branch. Each branch data is delimited by a branch header record and eight branch control records. The entire branches data is delimited by a bank header record and three bank control records. The file skeleton is as follows: Bank Header Record Branch number 1, Header Record Branch number 1, Data Records (New ID and Amounts)

Note : All new ID records should directly precede the amount records of the related new ID

Branch number 1, Control Record 1 Control Record 2 Control Record 3 Control Record 4 Control Record 5 Control Record 6 Control Record 7 Control Record 8 Branch number 2, Header Record Branch number 2, Data records (New ID and Amounts)

Note : All new ID records should directly precede the amount records of the related new ID Branch number 2, Control Record 1 Control Record 2 Control Record 3 Control Record 4 Control Record 5 Control Record 6 Control Record 7 Control Record 8 Bank Control Record 1 Control Record 2 Control Record 3



Bank header record (File Rbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “A” 2 3 Branch number Num(3) “000” 5 1 Space Char(1) 6 9 Client number Char(9) “000000000”

15 1 Space Char(1) 16 5 Identification field Char(5) “BRISQ” 21 1 Space Char(1) 22 3 Bank number Num(3) 25 1 Space Char(1) 26 30 Bank name Char(30) 56 1 Space Char(1) 57 6 Situation date Num(6) yyyymm 63 544 Spaces Char(544)

Branch header record (File Rbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “B” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 9 Client number Char(9) “000000000” 15 1 Space Char(1) 16 5 Identification field Char(5) “BRISQ” 21 1 Space Char(1) 22 3 Bank number Num(3) 25 1 Space Char(1) 26 30 Branch name Char(30) 56 1 Space Char(1) 57 6 Situation date Num(6) yyyymm 63 544 Spaces Char(544)



New ID data records (File Rbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “C” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 9 Client number Char(9) Nbbb99999 or O99999999 15 1 Space Char(1) 16 2 Client sequence Num(2) 00 for Beneficiary ,

01,02,03,etc… for partners 18 1 Space Char(1) 19 1 Operation type Char(1) N: new or M: modification 20 1 Space Char(1) 21 1 Client type Char(1) I=Ind / S=Ste 22 1 Space Char(1)

23 20 Client family name Char(20) If client type = I 43 1 Space Char(1) 44 20 Client first name Char(20) If client type = I 64 1 Space Char(1) 65 20 Client father’s name Char(20) If client type = I 85 1 Space Char(1) 86 20 Client mother’s first name Char(20) If client type = I 106 1 Space Char(1) 107 20 Client mother’s maiden name Char(20) If client type = I 127 1 Space Char(1) 128 20 Client spouse first name Char(20) If client type = I 148 1 Space Char(1) 149 20 Client spouse family name Char(20) If client type = I 169 1 Space Char(1) 170 1 Sex Char(1) If client type = I, value is ‘M’ or

‘F’

23 120 Company name Char(120) If client type = S 143 28 Spaces Char(28) If client type = S 171 1 Space Char(1) 172 8 Birth/Foundation date Num(8) 180 1 Space Char(1) 181 5 Register location Num(5) 99999 If client type = I or

00099 If client type = S 186 1 Space Char(1) 187 12 Register number Char(12) 199 1 Space Char(1) 200 3 Nationality Num(3) 203 1 Space Char(1) 204 1 Resident Char(1) Y = Yes / N = No 205 1 Space Char(1) 206 35 Building / floor Char(35) 241 1 Space Char(1) 242 35 Street Char(35) 277 1 Space Char(1) 278 35 District Char(35) 313 1 Space Char(1) 314 35 City / Village Char(35) 349 1 Space Char(1) 350 5 Address location code Num(5) 355 1 Space Char(1) 356 3 Address country code Num(3)



Starting Length Fields Description Format Values 359 1 Space Char(1) 360 8 Postal code Char(8) 368 1 Space Char(1) 369 12 Telephone number 1 Char(12) 381 1 Space Char(1) 382 12 Telephone number 2 Char(12) 394 1 Space Char(1) 395 4 Client Classification Char(4) 399 1 Space Char(1) 400 2 Legal form Num(2) 402 1 Space Char(1) 403 3 Judicial status Char(3) 406 1 Space Char(1) 407 60 Commercial names Char(60) 467 1 Space Char(1) 468 120 Additional information Char(120) 588 1 Space Char(1) 589 8 Risk number Char(8) 597 1 Space Char(1) 598 2 Partner type Num(2) 600 1 Space Char(1) 601 3 Participation percentage Num(3) 604 1 Space Char(1) 605 2 Credit Portfolio Num(2)

Note : The new ID records should directly precede the amount records of the related new ID. Amounts data record (File Rbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “D” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 9 Client number Char(9) Nbbb99999 or O99999999 15 1 Space Char(1) 16 1 Liability group Num(1) 17 1 Subgroup code Num(1) 18 2 Liability type Num(2) 20 3 Loan type Num(3) 23 1 Space Char(1) 24 3 Currency code Num(3) 27 1 Space Char(1) 28 7 Credit limit Num(7) (in millions of LL) 35 1 Space Char(1) 36 7 Credit used Num(7) (in millions of LL) 43 1 Space Char(1) 44 3 Economic sector Char(3) 3 spaces if not applicable 47 1 Space Char(1) 48 3 Remaining period Num(3) In months or 000 if not applicable 51 1 Space Char(1) 52 1 Risk classification Num(1) 53 1 Space Char(1) 54 7 Margin Num(7) (in millions of LL) 61 1 Space Char(1) 62 3 Utilization country Num(3) 65 542 Spaces Char(542)



Branch control record (File Rbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “E” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 9 Client number Char(9) “ZZZZZZZZZ” 15 1 Space Char(1) 16 1 Extra bit Char(1) 1,2,3,4,5,6,7,8 17 1 Space Char(1) 18 15 Control field 1 Num(15) 33 1 Space Char(1) 34 15 Control field 2 Num(15) 49 558 Spaces Char(558)

The following table shows the values of the control fields:

Extra Bit














7 Count of the clients (old and new) in this branch in the previous situation.

Sum of the numbers of the clients (old and new) in this branch in the previous situation

8 Count of the clients deleted in this branch in this situation

Sum of the numbers of the clients deleted in this branch in this situation



Bank control record (File Rbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “F” 2 3 Branch number Num(3) “000” 5 1 Space Char(1) 6 9 Client number Char(9) “ZZZZZZZZZ” 15 1 Space Char(1) 16 1 Extra bit Char(1) 1,2,3 17 1 Space Char(1) 18 15 Control field 1 Num(15) 33 1 Space Char(1) 34 15 Control field 2 Num(15) 49 558 Spaces Char(558)


Extra Bit


1 Credit limit total. Credit used total. 2 Count of the old clients in this

bank. Sum of the numbers of the old clients in this bank.

3 Count of the new clients in this bank.

Sum of the numbers of the new clients in this bank.

I.T DEPARTMENT BANQUE DU LIBAN

O: Obligatory - F: Facultative - n/a: Not applicable Page : 33 CDR 4.0 Technical document (CDR_40_TDV4.0.doc)

Validations on the new ID data records (File Rbbbyymm) Case 1 : Individuals Starting Length Fields Description Format Values Client type = ‘I’ Associe ‘S’

1 1 Format character Char(1) “C” O O 2 3 Branch number Num(3) O O 5 1 Space Char(1) 6 9 Client number Char(9) Nbbb99999 or O99999999 O O 15 1 Space Char(1) 16 2 Client sequence Num(2) 00 for Beneficiary ,

01,02,03,etc… for partners O O

18 1 Space Char(1) 19 1 Operation type Char(1) N: new or M: modification O O 20 1 Space Char(1) 21 1 Client type Char(1) I=Ind / S=Ste O O 22 1 Space Char(1)

23 20 Client family name Char(20) If client type = I O 43 1 Space Char(1) 44 20 Client first name Char(20) If client type = I O 64 1 Space Char(1) 65 20 Client father’s name Char(20) If client type = I O 85 1 Space Char(1) 86 20 Client mother’s first

name Char(20) If client type = I O

106 1 Space Char(1) 107 20 Client mother’s maiden

name Char(20) If client type = I F

127 1 Space Char(1) 128 20 Client spouse first name Char(20) If client type = I F 148 1 Space Char(1)



Starting Length Fields Description Format Values Client type = ‘I’ Associe ‘S’

149 20 Client spouse family name

Char(20) If client type = I F

169 1 Space Char(1) 170 1 Sex Char(1) If client type = I, value is

‘M’ or ‘F’ O

23 120 Company name Char(120) If client type = S O 143 28 Spaces Char(28) If client type = S 171 1 Space Char(1) 172 8 Birth/Foundation date Num(8) O O 180 1 Space Char(1) 181 5 Register location Num(5) 99999 If client type = I or

00099 If client type = S O

(If Lebanese) F

186 1 Space Char(1) 187 12 Register number Char(12) O

(If Lebanese) F

199 1 Space Char(1) 200 3 Nationality Num(3) O n/a 203 1 Space Char(1) 204 1 Resident Char(1) Y = Yes / N = No O n/a 205 1 Space Char(1) 206 35 Building / floor Char(35) O n/a 241 1 Space Char(1) 242 35 Street Char(35) F n/a 277 1 Space Char(1) 278 35 District Char(35) F n/a 313 1 Space Char(1) 314 35 City / Village Char(35) O n/a 349 1 Space Char(1)



Starting Length Fields Description Format Values Client type = ‘I’ Associe ‘S’

350 5 Address location code Num(5) O (If resident)

n/a

355 1 Space Char(1) 356 3 Address country code Num(3) O n/a 359 1 Space Char(1) 360 8 Postal code Char(8) F n/a 368 1 Space Char(1) 369 12 Telephone number 1 Char(12) F n/a 381 1 Space Char(1) 382 12 Telephone number 2 Char(12) F n/a 394 1 Space Char(1) 395 4 Client Classification Char(4) O n/a 399 1 Space Char(1) 400 2 Legal form Num(2) O O (=21) 402 1 Space Char(1) 403 3 Judicial status Char(3) O n/a 406 1 Space Char(1) 407 60 Commercial names Char(60) F n/a 467 1 Space Char(1) 468 120 Additional information Char(120) F n/a 588 1 Space Char(1) 589 8 Risk number Char(8) F n/a 597 1 Space Char(1) 598 2 Partner type Num(2) n/a n/a 600 1 Space Char(1) 601 3 Participation percentage Num(3) n/a n/a 604 1 Space Char(1) 605 2 Credit Portfolio Num(2) O (=0)



Case 2 : Companies Starting Length Fields Description Format Values Client type = ‘S’ Associe ‘I’ Associe ‘S’

1 1 Format character Char(1) “C” O O O 2 3 Branch number Num(3) O O O 5 1 Space Char(1) 6 9 Client number Char(9) Nbbb99999 or O99999999 O O O

15 1 Space Char(1) 16 2 Client sequence Num(2) 00 for Beneficiary ,

01,02,03,etc… for partners O O O

18 1 Space Char(1) 19 1 Operation type Char(1) N: new or M: modification O O O 20 1 Space Char(1) 21 1 Client type Char(1) I=Ind / S=Ste O O O 22 1 Space Char(1)

23 20 Client family name Char(20) If client type = I O 43 1 Space Char(1) 44 20 Client first name Char(20) If client type = I O 64 1 Space Char(1) 65 20 Client father’s name Char(20) If client type = I O 85 1 Space Char(1) 86 20 Client mother’s first

name Char(20) If client type = I O

106 1 Space Char(1) 107 20 Client mother’s maiden

name Char(20) If client type = I F

127 1 Space Char(1) 128 20 Client spouse first name Char(20) If client type = I F 148 1 Space Char(1)



Starting Length Fields Description Format Values Client type = ‘S’ Associe ‘I’ Associe ‘S’

149 20 Client spouse family name

Char(20) If client type = I F

169 1 Space Char(1) 170 1 Sex Char(1) If client type = I, value is

‘M’ or ‘F’ O

23 120 Company name Char(120) If client type = S O O 143 28 Spaces Char(28) If client type = S 171 1 Space Char(1) 172 8 Birth/Foundation date Num(8) O / F

(Depends on the legal form)

O O / F (Depends on

the legal form)

180 1 Space Char(1) 181 5 Register location Num(5) 99999 If client type = I or

00099 If client type = S O / F


O (If Lebanese)

O / F (Depends on

the legal form)

186 1 Space Char(1) 187 12 Register number Char(12) O / F


O (If Lebanese)

O / F (Depends on

the legal form)

199 1 Space Char(1) 200 3 Nationality Num(3) O O O 203 1 Space Char(1) 204 1 Resident Char(1) Y = Yes / N = No O n/a n/a 205 1 Space Char(1) 206 35 Building / floor Char(35) O n/a n/a 241 1 Space Char(1) 242 35 Street Char(35) F n/a n/a



Starting Length Fields Description Format Values Client type = ‘S’ Associe ‘I’ Associe ‘S’ 277 1 Space Char(1) 278 35 District Char(35) F n/a n/a 313 1 Space Char(1) 314 35 City / Village Char(35) O n/a n/a 349 1 Space Char(1) 350 5 Address location code Num(5) O

(If resident) n/a n/a

355 1 Space Char(1) 356 3 Address country code Num(3) O n/a n/a 359 1 Space Char(1) 360 8 Postal code Char(8) F n/a n/a 368 1 Space Char(1) 369 12 Telephone number 1 Char(12) F n/a n/a 381 1 Space Char(1) 382 12 Telephone number 2 Char(12) F n/a n/a 394 1 Space Char(1) 395 4 Client Classification Char(4) O n/a n/a 399 1 Space Char(1) 400 2 Legal form Num(2) O O

(=20) O

402 1 Space Char(1) 403 3 Judicial status Char(3) O n/a n/a 406 1 Space Char(1) 407 60 Commercial names Char(60) F n/a n/a 467 1 Space Char(1) 468 120 Additional information Char(120) F n/a n/a 588 1 Space Char(1) 589 8 Risk number Char(8) F F n/a 597 1 Space Char(1) 598 2 Partner type Num(2) n/a O O



Starting Length Fields Description Format Values Client type = ‘S’ Associe ‘I’ Associe ‘S’ 600 1 Space Char(1) 601 3 Participation percentage Num(3) n/a O O 604 1 Space Char(1) 605 2 Credit Portfolio Num(2) O n/a (=0)



File name : Abbbyymm Record length : 124 characters

The file begins by a Bank Header Record containing the current situation date and the date of the next situation to create. The data in this file is grouped by branch. Each branch data is terminated by eight branch control records. The file skeleton is as follows : Bank Header Record Branch number 1, Data Records (New ID and Global Amounts)

Note : All new ID records should directly precede the amount records of the related new ID Branch number 1, Control Record 1 Control Record 2 Control Record 3 Control Record 4 Control Record 5 Control Record 6 Control Record 7 Control Record 8 Branch number 2, Data records (New ID and Global Amounts)

Note : All new ID records should directly precede the amount records of the related new ID Branch number 2, Control Record 1 Control Record 2 Control Record 3 Control Record 4 Control Record 5 Control Record 6 Control Record 7 Control Record 8



Bank header record (File Abbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “A” 2 3 Branch number Num(3) “000” 5 1 Space Char(1) 6 8 Client number Char(8) “00000000” 14 1 Space Char(1) 15 4 Identification field Char(4) “AVIS” 19 1 Space Char(1) 20 3 Bank number Num(3) 23 1 Space Char(1) 24 30 Bank name Char(30) 54 1 Space Char(1) 55 6 This situation date Num(6) yyyymm 61 1 Space Char(1) 62 6 Next situation date Num(6) yyyymm 68 1 Space Char(1) 69 6 Previous situation date Num(6) yyyymm 75 50 Space Char(50)

New ID data record (File Abbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “B” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 8 Client number Num(8) 99999999 14 1 Space Char(1) 15 1 Client type Char(1) I=Ind / S=Ste 16 1 Space Char(1) 17 9 Client number as at declaration Char(9) Nbbb99999 26 1 Space Char(1) 27 70 Client name Char(70) 97 1 Space Char(1) 98 8 Birth/Foundation date Num(8) yyyymmdd 106 1 Space Char(1) 107 5 Register location Num(5) 99999 If client type = I or

00099 If client type = S 112 1 Space Char(1) 113 12 Register number Char(12)

Note : The new ID records should directly precede the amount records of the related new ID.



Amounts data record (File Abbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “C” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 8 Client number Num(8) 99999999 14 1 Space Char(1) 15 1 Client status Char(1) O= Old / N= New 16 1 Space Char(1) 17 1 Liability group Num(1) 18 1 Subgroup code Num(1) 19 2 Liability type Num(2) 21 3 Loan type Num(3) 24 1 Space Char(1) 25 3 Currency code Num(3) 28 1 Space Char(1) 29 7 Credit limit Num(7) (in millions of LL) 36 1 Space Char(1) 37 7 Credit used Num(7) (in millions of LL) 44 1 Space Char(1) 45 3 Economic sector Char(3) 3 spaces if not applicable 48 1 Space Char(1) 49 3 Remaining period Num(3) In months or 000 if not

applicable 52 1 Space Char(1) 53 1 Risk classification Num(1) 54 1 Space Char(1) 55 3 Utilization Country Num(3) 58 1 Space Char(1) 59 7 Margin Num(7) (in millions of LL) 66 59 Space Char(59)

Branch control record (File Abbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “D” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 8 Client number Char(8) “ZZZZZZZZ” 14 1 Space Char(1) 15 1 Extra bit Char(1) 1,2,3,4,5,6,7,8 16 1 Space Char(1) 17 15 Control field 1 Num(15) 32 1 Space Char(1) 33 15 Control field 2 Num(15) 48 77 Spaces Char(77)




Extra Bit










5 Count of the clients in this branch in the previous situation.

Sum of the numbers of the clients in this branch in the previous situation.

6 Count of the clients deleted in this branch in this situation.

Sum of the numbers of the clients deleted in this branch in this situation.

7 Count of the new clients in this branch in this situation.

Sum of the numbers of the new clients in this branch in this situation.

8 Count of the clients (old and new) in this branch in this situation.

Sum of the numbers of the clients (old and new) in this branch in this situation.



File name : Fbbbyymm Record length : 606 characters

The file begins by a Bank Header Record containing the current situation date and the date of the previous situation. The data in this file is grouped by branch. Each branch data is terminated by six branch control records. The file skeleton is as follows: Bank Header Record Branch number 1, Data Records (ID and Amounts)

Note : All ID records should directly precede the amount records of the related ID Branch number 1, Control Record 1 Control Record 2 Control Record 3 Control Record 4 Control Record 5 Control Record 6 Branch number 2, Data records (ID and Amounts)

Note : All ID records should directly precede the amount records of the related ID Branch number 2, Control Record 1 Control Record 2 Control Record 3 Control Record 4 Control Record 5 Control Record 6



Bank header record (File Fbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “A” 2 3 Branch number Num(3) “000” 5 1 Space Char(1) 6 8 Client number Char(8) “00000000” 14 1 Space Char(1) 15 4 Identification field Char(4) “FRST” 19 1 Space Char(1) 20 3 Bank number Num(3) 23 1 Space Char(1) 24 30 Bank name Char(30) 54 1 Space Char(1) 55 6 This situation date Num(6) yyyymm 61 1 Space Char(1) 62 6 Previous situation date Num(6) yyyymm 68 539 Space Char(539)

ID data record (File Fbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “B” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 8 Client number Num(8) 99999999 14 1 Space Char(1) 15 2 Client sequence Num(2) 00 for Beneficiary ,

01,02,03,etc… for partners 17 1 Space Char(1) 18 1 Client status Char(1) O= Old / N= New 19 1 Space Char(1) 20 1 Client type Char(1) I=Ind / S=Ste 21 1 Space Char(1) 22 9 Client number as at declaration Char(9) Nbbb99999 if new client or

9 spaces if old client 31 1 Space Char(1)

32 20 Client family name Char(20) If new client & type = I 52 1 Space Char(1) 53 20 Client first name Char(20) If new client & type = I 73 1 Space Char(1) 74 20 Client father’s name Char(20) If new client & type = I 94 1 Space Char(1) 95 20 Client mother’s first name Char(20) If new client & type = I 115 1 Space Char(1) 116 20 Client mother’s maiden name Char(20) If new client & type = I 136 1 Space Char(1) 137 20 Client spouse first name Char(20) If new client & type = I 157 1 Space Char(1) 158 20 Client spouse family name Char(20) If new client & type = I 178 1 Space Char(1) 179 1 Sex Char(1) If new client & type = I, value is

‘M’ or ‘F’



Starting Length Fields Description Format Values

32 120 Company name Char(120) If new client & type = S 152 28 Spaces Char(28) If new client & type = S

32 70 Client name Char(70) If old client 102 78 Spaces Char(78) If old client 180 1 Space Char(1) 181 8 Birth/Foundation date Num(8) 189 1 Space Char(1) 190 5 Register location Num(5) 99999 If client type = I or

00099 If client type = S 195 1 Space Char(1) 196 12 Register number Char(12) 208 1 Space Char(1) 209 3 Nationality1 Num(3) 212 1 Space Char(1) 213 1 Resident1 Char(1) O = Yes / N = No 214 1 Space Char(1) 215 35 Building / floor1 Char(35) 250 1 Space Char(1) 251 35 Street1 Char(35) 286 1 Space Char(1) 287 35 District1 Char(35) 322 1 Space Char(1) 323 35 City / Village1 Char(35) 358 1 Space Char(1) 359 5 Address location code1 Num(5) 364 1 Space Char(1) 365 3 Address country code1 Num(3) 368 1 Space Char(1) 369 8 Postal code1 Char(8) 377 1 Space Char(1) 378 12 Telephone number 11 Char(12) 390 1 Space Char(1) 391 12 Telephone number 21 Char(12) 403 1 Space Char(1) 404 4 Client Classification1 Char(4) 408 1 Space Char(1) 409 2 Legal form1 Num(2) 411 1 Space Char(1) 412 3 Judicial status1 Char(3) 415 1 Space Char(1) 416 60 Commercial names1 Char(60) 476 1 Space Char(1) 477 120 Additional information1 Char(120) 597 1 Space Char(1) 598 2 Partner type1 Num(2) 600 1 Space Char(1) 601 3 Participation percentage1 Num(3) 604 1 Space Char(1) 605 2 Credit Portfolio Num(2)

(1): This field is not used in case of an old client. Note: The ID record should directly precede the amount records of the related ID.



Amounts data record (File Fbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “C” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 8 Client number Num(8) 99999999

14 1 Space Char(1) 15 1 Client quality Char(1) O= Old / N= New 16 1 Space Char(1) 17 1 Liability group Num(1) 18 1 Subgroup code Num(1) 19 2 Liability type Num(2) 21 3 Loan type Num(3) 24 1 Space Char(1) 25 3 Currency code Num(3) 28 1 Space Char(1) 29 7 Credit limit Num(7) (in millions of LL) 36 1 Space Char(1) 37 7 Credit used Num(7) (in millions of LL) 44 1 Space Char(1) 45 3 Economic sector Char(3) 3 spaces if not applicable 48 1 Space Char(1) 49 3 Remaining period Num(3) In months or 000 if not

applicable 52 1 Space Char(1) 53 1 Risk classification Num(1) 54 1 Space Char(1) 55 7 Margin Num(7) (in millions of LL) 62 1 Space Char(1) 63 3 Utilization Country Num(3) 66 541 Space Char(541)



Branch control record (File Fbbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “D” 2 3 Branch number Num(3) 5 1 Space Char(1) 6 8 Client number Char(8) “ZZZZZZZZ” 14 1 Space Char(1) 15 1 Extra bit Char(1) 1,2,3,4,5,6 16 1 Space Char(1) 17 15 Control field 1 Num(15) 32 1 Space Char(1) 33 15 Control field 2 Num(15) 48 559 Spaces Char(559)


Extra Bit
















File name : Ubbbyymm Record length : 356 bytes

The file begins by a Bank Header Record containing the current situation date and the preparation date and time of the file. The data in this file is of two types. Structure record that indicates the format of the table to be updated and a data record that indicates the data to be inserted or modified or deleted from the corresponding table. The file skeleton is as follows: Bank Header Record Structure record 1 Data record 1 Data record 2

Structure record 2 Data record 1 Data record 2



Bank header record (File Ubbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “A” 2 1 Space Char(1) 3 4 Identification field Char(4) “UPDT” 7 1 Space Char(1) 8 3 Bank number Num(3) 11 1 Space Char(1) 12 30 Bank name Char(30) 42 1 Space Char(1) 43 6 This situation date Num(6) yyyymm 49 1 Space Char(1) 50 6 Preparation date & time Num(14) yyyymmddhhmmss 56 301 Space Char(293)

Structure record (File Ubbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “B” 2 1 Space Char(1) 3 30 Table name Char(30) 33 1 Space Char(1) 34 1 Number of key fields Num(1)

1 Space Char(1) 30 Field name Char(30)

n x 40 1 Space Char(1) 4 Field type Char(4) Bool, Byte, Cur, Date, Dbl, Dec,

Int, Lng, Sng, Str, Var. 1 Space Char(1) 3 Field length Num(3) 2 Number of fields other than key Num(2) 1 Space Char(1) 30 Field name Char(30)

m x 40 1 Space Char(1) 4 Field type Char(4) Bool, Byte, Cur, Date, Dbl, Dec,

Int, Lng, Sng, Str, Var. 1 Space Char(1) 3 Field length Num(3)

Note : n is the number of key fields in the corresponding table while m is the number of fields other than the key in the corresponding table. n + m can maximum be equal to 8.



Data record (File Ubbbyymm) Starting Length Fields Description Format Values

1 1 Format character Char(1) “C” 2 1 Space Char(1) 3 1 Operation type Char(1) “A” : Add

“M” : Modify “D” : Delete

n x 1 Space Char(1) Variable Key value Char

m x 1 Space Char(1) Variable Field value Char Variable Spaces Char

Note : n is the number of key fields in the corresponding table while m is the number of fields other than the key in the corresponding table. n + m can maximum be equal to 8.



File name : CDR_bbb.ini File length : 4 bytes

This file contains 4 flags with the following possible values :

1 Indicates to the CDR application that the “Static Database (CDR_40_S.accdb)” has been

sent by the CDR and that this database should replace the existing static database.

2 Indicates to the CDR application that the “First file” has been sent by the CDR and that

it’s data should replace the last existing situation risk data.

3 Indicates to the CDR application that the “Avis file” has been sent by the CDR.

4 Indicates to the CDR application that the “Updates file” has been sent by the CDR

Examples of a CDR_bbb.ini : 12 The “Static Database” and the “First file” have been sent by the CDR.

123 The “Static Database”, the First file and the “Avis file” have been sent by the CDR.

34 The “Updates file” and the “Avis file” have been sent by the CDR.

3 The “Avis file” have been sent by the CDR.



VI. ADMINISTRATION The Entry of data to the application is done for each branch separately. If you choose to install the application for multi users only one user at a time can prepare the data for a specific branch. No concurrent users for the same branch are allowed. Furthermore some functions (processing functions) of the application cannot be run unless nobody is using the application other than the one who is requesting these functions. These functions are: create new situation, receive data from BDL, copy data to BDL and purge data. These restrictions are done using special tables “LockTab” and “Lockdatabase” defined in the Static Database (CDR_40_S.accdb). When the data of a branch is being edited the number of this branch is written into table “LockTab” thus preventing any other user to edit the data of this branch. And when running any processing function a field in table “Lockdatabase” is set to true thus preventing any other user to use the application. If for any technical reason (connection lost between the user PC and the server, system crash, etc…) the flags are not reflecting the real situation you can unlock a branch or the database using a special function that should be used carefully. From the Static Database run the form “Administration”. This function should be restricted to the administrator of the application and normal users should not be aware of this function.



APPENDIX 1 : LIABILITY TABLES CONTENTS Table name : LiabilityGroup

Fields

LiabilityGroup Description 1 DIRECTS 2 INDIRECTS

Table name : LiabilitySubGroup

Fields

LiabilityGroup SubgroupCode Description 1 1 ENGAGEMENTS DIRECTS 1 2 GARANTIES RECUES 2 1 ENGAGEMENTS HORS BILAN 2 2 COMPTES POUR MEMOIRE

Table name : LiabilityType

Fields

Liab. Group

Subgroup Code

Liab. Type

Short Desc.

Description Authorized Loan type

Margin

1 1 01 ACB AV. SUR COMT. BLK/GAR. BAN/BT/AUT. TITRES GOUVERN.

1 1 0

1 1 02 AVM AVANCES SUR VALEUR MOBILIERES

1 1 0

1 1 03 ASH AVANCES SUR HYPOTHEQUES 1 1 0 1 1 04 ASR AVANCES SUR AUTRES SURETES

REELLES 1 1 0

1 1 05 AGP AVANCES SUR GARANTIES PERSONELLES

1 1 0

1 1 06 ABL AVANCES A BLANC 1 1 0 1 2 08 TCB TOT. GAR COMPTES BLOQUES ET

ASSIMILES 0 0 0

1 2 09 TSR TOT. SURETE REELLES. 0 0 0 1 2 10 TBI TOT. BIENS IMMOBILIERS 0 0 0 1 2 11 TVM TOT. VALEUR MOBILIERES 0 0 0 2 1 01 EF ENGAG. DE FINANCEMENT 1 1 1 2 1 02 ES ENGAG. PAR SIGNATURE 1 1 1 2 1 03 OT OPERATIONS A TERME 1 0 1 2 1 04 SE ENGAG. SUR EFFETS 1 1 1 2 1 05 IF ENGAG. SUR INSTRUMENTS

FINANCIERS 0 0 1

2 1 06 AE AUTRES ENGAGEMENTS 0 0 0 2 1 07 AC AVALS ET CAUTIONS 0 0 0 2 2 09 DF CR. FINAN. PAR DEPOTS

FIDUCIAIRES 1 1 1

2 2 10 CI CREANCES IRRECOUVRABLES 0 0 0 2 2 11 CMC CREANCES DES CLIENTS DES

INSTITU. DU MICRO CREDIT 1 1 0

2 2 12 PGF PRETS & CREDIT DU PORTEFEUILLE DE GESTION DE FONDS

1 1 1



Table name : LoanType

Fields LoanType ShortDescription Description

0 00 Code insignifiant 1 a1 Cr.a moy.&long terme aux sect.productifs 2 a19 Cr. dev moy.&long terme aux sect.prod (incit.2009) 3 a11 Cr N.boni.dev pour des proj.resp.de l'envr N.energ 4 a12 Cr N.boni.dev pour des proj.resp.de l'envr energie 5 a2 Cr.logement 6 a29 Credits logement en devises (incit. 2009) 8 a13 Cr pour des proj.resp.de l'envr apres bonification 9 a0 Prets sect prd ds la prd de remb prolong.non bonif

10 a3 Prets bonifies sauf si garan.par ste.KAFALAT sal. 11 a31 Prets bonifies banque Europeenne d'investissement 12 a32 Prets bonifies finances par IFC,EIB,OPIC,AFD,AFESD 13 a33 Prets bonifies dev sur gar IFC,EIB,OPIC,AFD,AFESD 14 a34 Prets bonifies sect touristique pour financ le BFR 15 a4 Cr.pme en fx sur gar.ste.KAFALAT sal. 16 a49 Cr.pme en fx sur gar.ste.KAFALAT sal. (incit.2009) 17 a89 Prets non boni.fin. par caisses intr (incit.2009) 18 a99 Prets n boni.dev sur gar caisses intr (incit.2009) 19 a35 Prets bonif. pour fin. des proj.respect.de l'envr 20 a5 Prets bonifies sur gar.ste.KAFALAT sal. 21 e3 Factoring - Créances achetées avec recours 22 e4 Factoring - Créances achetées sans recours 24 fr Prêts en LL pour le besoin de fonds de roulement 25 a6 Programme Epargne/logement 26 n19 Cr. LL moy.&long terme aux sect.prod (incit.2009) 27 n29 Credits logement en LL (incit. 2009) 28 sg Cr. Logement en LL suiv. protocole avec la D.G.S.G 29 en Cr. en LL aux entrepreneurs des bâtiments gouver. 30 a7 Autres credits au logement 31 a8 Prets non boni.finances par IFC,EIB,OPIC,AFD,AFESD 32 a9 Prets non boni.dev sur gar IFC,EIB,OPIC,AFD,AFESD 33 a10 Prets pour la couv de 60% de la val de remplacemt 34 rd Cr.en LL pour recherche et dev dans les sect prod 36 cin Cr.en LL aux entrepre. domaine connaiss. et innov. 38 b22 Escompte papier commercial sans recours 39 q0 Cr.en LL.sur gar.KAFALAT des Arbres apres bonif 40 b3 Titres de prets deduc des engag.soumis aux rsv.obl 41 c2 Debt par carte de paiement payable en fin de cycle 42 c1 Debt par cartes de crédit à paiements mensuels 43 d3 creances litigieuses 44 d2 Dettes en suspens en cours de recouvrement 45 d1 creances douteuses ou irrecouvrables 46 lg1 lettres de garantie pour adjudications 47 lg2 lettres de garantie de bonne execution




48 lg3 lettres de garantie monetaire 49 lg4 Autres lettres de garantie 50 e1 Eff.comm.escomptes avec recours 51 e2 Eff.comm.escomptes sans recours sauf ceux de b22 52 f Credits sur effet de levier 53 i Cr. Hab. fin. par des prets acrd a la bqe habitat 54 ev1 Cr N.boni.LL pour des proj.resp.de l'envr N.energ 55 k Acceptations 56 l1 Operations de credits-bail non bonifies 57 l2 Operations de credits-bail bonifies 58 lc Lettres de credit 59 o Obligations du secteur non financier non lie 60 p Cr.logement en LL. suivant protocole ISKAN 61 p09 Cr.log en LL. suivant protocole ISKAN(incit. 2009) 62 ip1 Moudharaba 63 ip2 Moucharaka moutanakisa (decroissante) 64 i09 Cr.Hab.fin.par des prets a la bq habit(incit.2009) 65 r Prets boni. en LL sur gar IFC,EIB,OPIC,AFD,AFESD 66 iq Kard Hasan 67 io Autres financements islamiques 68 ag Cr.agricole en LL protocole ministere agriculture 69 dp Cr.logement en LL protocole ministere des deplaces 70 q1 Cr.PME en LL.sur gar.ste.KAFALAT sal. 71 q3 Cr boni.LL KAFALAT pour proj.resp.de l'env energ 72 q2 Prets bonifies en LL.sur gar.ste.KAFALAT sal. 73 jr Cr.logement en LL protcl caisse mutuelle magistrat 74 ev2 Cr N.boni.LL pour des proj.resp.de l'envr energie 75 m1 Cr. Logement en LL suiv. protocole orgn. Militaire 76 m2 Cr. Logement en LL accorde direct. orgn. Militaire 77 m3 Cr. logement de l'orgn militaire cédés aux banques 78 fs Cr. Logement en LL suiv. protocole avec la DG. FSI 79 i10 Cr.hab.fin.par des prets a la bq hab-deci:16/26/10 80 s Cr. Logement en LL accorde direct. a ISKAN 81 ict Cr.en LL aux étudiants Lib pour achat de tab. élec 82 h1 Mic-credit LL acceptes par les inst. de mic-credit 83 h21 Mic-credit fin. par des prets acrd inst mic-credit 84 h22 Mic-credit fin. par des prets acrd inst financiere 85 h3 Mic-credit LL finances par les inst financieres 86 v09 Autres crédits en dev bénéficiants des incit. 2009 87 n09 Autres crédits en LL bénéficiants des incit. 2009 88 t Prets non boni. LL sur gar IFC,EIB,OPIC,AFD,AFESD 89 u Prêts accordés en LL pour l'enseignement supérieur 90 x1 Av. sur nantiss.de fonds de com. non agree par CCB 91 x2 Avances sur marche 92 if1 Mourabaha 93 if2 ijara




94 if3 Bayaa salam 95 if4 Istisnaa 97 z3 Autres credits a echeance determine 98 z2 Autres credits par effets directs 99 z1 Autres credits en compte courant



Table name : Liabilitycrossloan

Fields LiabilityGroup SubGroupCode LiabilityType LoanType

1 1 1 1 1 1 1 2 1 1 1 3 1 1 1 4 1 1 1 5 1 1 1 6 1 1 1 8 1 1 1 9 1 1 1 10 1 1 1 11 1 1 1 12 1 1 1 13 1 1 1 14 1 1 1 15 1 1 1 16 1 1 1 17 1 1 1 18 1 1 1 19 1 1 1 20 1 1 1 21 1 1 1 22 1 1 1 24 1 1 1 25 1 1 1 26 1 1 1 27 1 1 1 28 1 1 1 29 1 1 1 30 1 1 1 31 1 1 1 32 1 1 1 33 1 1 1 34 1 1 1 36 1 1 1 38 1 1 1 39 1 1 1 40 1 1 1 41 1 1 1 42 1 1 1 43 1 1 1 44 1 1 1 45 1 1 1 50




1 1 1 51 1 1 1 52 1 1 1 53 1 1 1 54 1 1 1 55 1 1 1 56 1 1 1 57 1 1 1 59 1 1 1 60 1 1 1 61 1 1 1 62 1 1 1 63 1 1 1 64 1 1 1 65 1 1 1 66 1 1 1 67 1 1 1 68 1 1 1 69 1 1 1 70 1 1 1 71 1 1 1 72 1 1 1 73 1 1 1 74 1 1 1 75 1 1 1 76 1 1 1 77 1 1 1 78 1 1 1 79 1 1 1 80 1 1 1 81 1 1 1 82 1 1 1 83 1 1 1 84 1 1 1 85 1 1 1 86 1 1 1 87 1 1 1 88 1 1 1 89 1 1 1 90 1 1 1 91 1 1 1 92 1 1 1 93 1 1 1 94 1 1 1 95 1 1 1 97 1 1 1 98




1 1 1 99 1 1 2 1 1 1 2 2 1 1 2 3 1 1 2 4 1 1 2 5 1 1 2 6 1 1 2 8 1 1 2 9 1 1 2 10 1 1 2 11 1 1 2 12 1 1 2 13 1 1 2 14 1 1 2 15 1 1 2 16 1 1 2 17 1 1 2 18 1 1 2 19 1 1 2 20 1 1 2 21 1 1 2 22 1 1 2 24 1 1 2 25 1 1 2 26 1 1 2 27 1 1 2 28 1 1 2 29 1 1 2 30 1 1 2 31 1 1 2 32 1 1 2 33 1 1 2 34 1 1 2 36 1 1 2 38 1 1 2 39 1 1 2 40 1 1 2 41 1 1 2 42 1 1 2 43 1 1 2 44 1 1 2 45 1 1 2 50 1 1 2 51 1 1 2 52 1 1 2 53




1 1 2 54 1 1 2 55 1 1 2 56 1 1 2 57 1 1 2 59 1 1 2 60 1 1 2 61 1 1 2 62 1 1 2 63 1 1 2 64 1 1 2 65 1 1 2 66 1 1 2 67 1 1 2 68 1 1 2 69 1 1 2 70 1 1 2 71 1 1 2 72 1 1 2 73 1 1 2 74 1 1 2 75 1 1 2 76 1 1 2 77 1 1 2 78 1 1 2 79 1 1 2 80 1 1 2 81 1 1 2 82 1 1 2 83 1 1 2 84 1 1 2 85 1 1 2 86 1 1 2 87 1 1 2 88 1 1 2 89 1 1 2 90 1 1 2 91 1 1 2 92 1 1 2 93 1 1 2 94 1 1 2 95 1 1 2 97 1 1 2 98 1 1 2 99 1 1 3 1 1 1 3 2




1 1 3 3 1 1 3 4 1 1 3 5 1 1 3 6 1 1 3 8 1 1 3 9 1 1 3 10 1 1 3 11 1 1 3 12 1 1 3 13 1 1 3 14 1 1 3 15 1 1 3 16 1 1 3 17 1 1 3 18 1 1 3 19 1 1 3 20 1 1 3 21 1 1 3 22 1 1 3 24 1 1 3 25 1 1 3 26 1 1 3 27 1 1 3 28 1 1 3 29 1 1 3 30 1 1 3 31 1 1 3 32 1 1 3 33 1 1 3 34 1 1 3 36 1 1 3 38 1 1 3 39 1 1 3 40 1 1 3 41 1 1 3 42 1 1 3 43 1 1 3 44 1 1 3 45 1 1 3 50 1 1 3 51 1 1 3 52 1 1 3 53 1 1 3 54 1 1 3 55 1 1 3 56




1 1 3 57 1 1 3 59 1 1 3 60 1 1 3 61 1 1 3 62 1 1 3 63 1 1 3 64 1 1 3 65 1 1 3 66 1 1 3 67 1 1 3 68 1 1 3 69 1 1 3 70 1 1 3 71 1 1 3 72 1 1 3 73 1 1 3 74 1 1 3 75 1 1 3 76 1 1 3 77 1 1 3 78 1 1 3 79 1 1 3 80 1 1 3 81 1 1 3 82 1 1 3 83 1 1 3 84 1 1 3 85 1 1 3 86 1 1 3 87 1 1 3 88 1 1 3 89 1 1 3 90 1 1 3 91 1 1 3 92 1 1 3 93 1 1 3 94 1 1 3 95 1 1 3 97 1 1 3 98 1 1 3 99 1 1 4 1 1 1 4 2 1 1 4 3 1 1 4 4 1 1 4 5




1 1 4 6 1 1 4 8 1 1 4 9 1 1 4 10 1 1 4 11 1 1 4 12 1 1 4 13 1 1 4 14 1 1 4 15 1 1 4 16 1 1 4 17 1 1 4 18 1 1 4 19 1 1 4 20 1 1 4 21 1 1 4 22 1 1 4 24 1 1 4 25 1 1 4 26 1 1 4 27 1 1 4 28 1 1 4 29 1 1 4 30 1 1 4 31 1 1 4 32 1 1 4 33 1 1 4 34 1 1 4 36 1 1 4 38 1 1 4 39 1 1 4 40 1 1 4 41 1 1 4 42 1 1 4 43 1 1 4 44 1 1 4 45 1 1 4 50 1 1 4 51 1 1 4 52 1 1 4 53 1 1 4 54 1 1 4 55 1 1 4 56 1 1 4 57 1 1 4 59 1 1 4 60




1 1 4 61 1 1 4 62 1 1 4 63 1 1 4 64 1 1 4 65 1 1 4 66 1 1 4 67 1 1 4 68 1 1 4 69 1 1 4 70 1 1 4 71 1 1 4 72 1 1 4 73 1 1 4 74 1 1 4 75 1 1 4 76 1 1 4 77 1 1 4 78 1 1 4 79 1 1 4 80 1 1 4 81 1 1 4 82 1 1 4 83 1 1 4 84 1 1 4 85 1 1 4 86 1 1 4 87 1 1 4 88 1 1 4 89 1 1 4 90 1 1 4 91 1 1 4 92 1 1 4 93 1 1 4 94 1 1 4 95 1 1 4 97 1 1 4 98 1 1 4 99 1 1 5 1 1 1 5 2 1 1 5 3 1 1 5 4 1 1 5 5 1 1 5 6 1 1 5 8 1 1 5 9




1 1 5 10 1 1 5 11 1 1 5 12 1 1 5 13 1 1 5 14 1 1 5 15 1 1 5 16 1 1 5 17 1 1 5 18 1 1 5 19 1 1 5 20 1 1 5 21 1 1 5 22 1 1 5 24 1 1 5 25 1 1 5 26 1 1 5 27 1 1 5 28 1 1 5 29 1 1 5 30 1 1 5 31 1 1 5 32 1 1 5 33 1 1 5 34 1 1 5 36 1 1 5 38 1 1 5 39 1 1 5 40 1 1 5 41 1 1 5 42 1 1 5 43 1 1 5 44 1 1 5 45 1 1 5 50 1 1 5 51 1 1 5 52 1 1 5 53 1 1 5 54 1 1 5 55 1 1 5 56 1 1 5 57 1 1 5 59 1 1 5 60 1 1 5 61 1 1 5 62 1 1 5 63




1 1 5 64 1 1 5 65 1 1 5 66 1 1 5 67 1 1 5 68 1 1 5 69 1 1 5 70 1 1 5 71 1 1 5 72 1 1 5 73 1 1 5 74 1 1 5 75 1 1 5 76 1 1 5 77 1 1 5 78 1 1 5 79 1 1 5 80 1 1 5 81 1 1 5 82 1 1 5 83 1 1 5 84 1 1 5 85 1 1 5 86 1 1 5 87 1 1 5 88 1 1 5 89 1 1 5 90 1 1 5 91 1 1 5 92 1 1 5 93 1 1 5 94 1 1 5 95 1 1 5 97 1 1 5 98 1 1 5 99 1 1 6 1 1 1 6 2 1 1 6 3 1 1 6 4 1 1 6 5 1 1 6 6 1 1 6 8 1 1 6 9 1 1 6 10 1 1 6 11 1 1 6 12




1 1 6 13 1 1 6 14 1 1 6 15 1 1 6 16 1 1 6 17 1 1 6 18 1 1 6 19 1 1 6 20 1 1 6 21 1 1 6 22 1 1 6 24 1 1 6 25 1 1 6 26 1 1 6 27 1 1 6 28 1 1 6 29 1 1 6 30 1 1 6 31 1 1 6 32 1 1 6 33 1 1 6 34 1 1 6 36 1 1 6 38 1 1 6 39 1 1 6 40 1 1 6 41 1 1 6 42 1 1 6 43 1 1 6 44 1 1 6 45 1 1 6 50 1 1 6 51 1 1 6 52 1 1 6 53 1 1 6 54 1 1 6 55 1 1 6 56 1 1 6 57 1 1 6 59 1 1 6 60 1 1 6 61 1 1 6 62 1 1 6 63 1 1 6 64 1 1 6 65 1 1 6 66




1 1 6 67 1 1 6 68 1 1 6 69 1 1 6 70 1 1 6 71 1 1 6 72 1 1 6 73 1 1 6 74 1 1 6 75 1 1 6 76 1 1 6 77 1 1 6 78 1 1 6 79 1 1 6 80 1 1 6 81 1 1 6 82 1 1 6 83 1 1 6 84 1 1 6 85 1 1 6 86 1 1 6 87 1 1 6 88 1 1 6 89 1 1 6 90 1 1 6 91 1 1 6 92 1 1 6 93 1 1 6 94 1 1 6 95 1 1 6 97 1 1 6 98 1 1 6 99 1 2 8 0 1 2 9 0 1 2 10 0 1 2 11 0 2 1 1 58 2 1 1 62 2 1 1 63 2 1 1 66 2 1 1 67 2 1 1 92 2 1 1 93 2 1 1 94 2 1 1 95 2 1 2 46




2 1 2 47 2 1 2 48 2 1 2 49 2 1 2 62 2 1 2 63 2 1 2 66 2 1 2 67 2 1 2 92 2 1 2 93 2 1 2 94 2 1 2 95 2 1 3 0 2 1 4 46 2 1 4 47 2 1 4 48 2 1 4 49 2 1 4 62 2 1 4 63 2 1 4 66 2 1 4 67 2 1 4 92 2 1 4 93 2 1 4 94 2 1 4 95 2 1 5 0 2 1 6 0 2 1 7 0 2 2 9 42 2 2 9 43 2 2 9 44 2 2 9 45 2 2 9 56 2 2 9 62 2 2 9 63 2 2 9 66 2 2 9 67 2 2 9 92 2 2 9 93 2 2 9 94 2 2 9 95 2 2 9 97 2 2 9 98 2 2 9 99 2 2 10 0 2 2 11 83 2 2 11 84




2 2 11 85 2 2 12 1 2 2 12 3 2 2 12 4 2 2 12 5 2 2 12 8 2 2 12 10 2 2 12 11 2 2 12 12 2 2 12 13 2 2 12 14 2 2 12 19 2 2 12 30 2 2 12 31 2 2 12 32 2 2 12 38 2 2 12 40 2 2 12 43 2 2 12 44 2 2 12 45 2 2 12 50 2 2 12 51 2 2 12 52 2 2 12 54 2 2 12 55 2 2 12 56 2 2 12 57 2 2 12 59 2 2 12 62 2 2 12 63 2 2 12 65 2 2 12 66 2 2 12 67 2 2 12 68 2 2 12 74 2 2 12 88 2 2 12 90 2 2 12 91 2 2 12 92 2 2 12 93 2 2 12 94 2 2 12 95 2 2 12 97 2 2 12 98 2 2 12 99



APPENDIX 2 : TECHNICAL SUPPORT In the event you need any queries related to this document, do not hesitate to contact the technical support at the address below: Banque du Liban I.T Department Telephone no. 961-1-750000 Fax no. 961-1-343316 Email [email protected]

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