How to read CTOS Report

and TreX Report?

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Types of information available in CTOS Report

Individual

CTOS Report is divided into 4 parts:

• Section A (Snapshot : Summary of subject’s profile,
Credit Info at A Glance, FICO Score, CTOS Litigation
Index, STATS)
• Section B (Subject’s profile)
• Section C (CCRIS): C1, C2 and C3
• Section D (Litigation Records): D1,D2 & D3
Company/Business
(will be shown in the
following slides)

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 Section A
4 1

Section A:

1. FICO Score
2. CTOS Litigation Index
3. STATS
4. ID Verification
5. Credit Info at A Glance

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2

3
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 Section A
1 740

FICO Score : A score range of 350-800

The higher the score, the lower the risk. But no score says whether a specific individual will be a
“good” or “bad” customer
• Key factors to improve score will also be reflected.
• Probability of default (PD) is a financial term describing the likelihood of a default over a particular
time horizon

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8712
CTOS Litigation Index

CTOS Litigation Index: Weightage based indexing system derived from information in Section D
(Legal Case). It is a 4 digit number reflecting the most severed case in Section D.
(Refer to next slide)
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What is CTOS Litigation Index
The CTOS Litigation Index is based on four digit numbers known as ‘index’ where the index for each enquiry name
is derived based on the information from Section D. The Due Diligence Index will be based on the worst case
scenario in Section D.
The index shows the severity level of the case.
Due Diligence Index is broken into 3 sections from the 4-digit numbers.

DD Index 9 5 3 4
Third
First two digits Forth digit
digit

Digit Description Notes

First two digits The first two digits represent the worst case in Section D Possible values start from OO to 99 where the higher the
– based on the type of record. number, the greater the severity of the case.
Third digit The third digit represents the age of the worst case in Possible values start from 0 to 9 where the higher the
Section D. number, the more recent the record.
Forth digit The forth digit represents how many records are there in Possible values start from 0 to 9 where the higher the
Section D including the worst case used to formulate the number, the more cases in Section D.
first three digits.
---- The worst case scenario of the legal record is withheld.
0000 When there is no legal record.

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CTOS Litigation Index
Reflected in Section A

CTOS Litigation Index

• Please refer to the Due Diligence Index Table (Slide 31, 32,
33 and 34)
• In this example:
 87 – Summon Issued
 1 – Issued more than 8 years
 2- This company has total of 2 legal records

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CTOS Litigation Index Table - Individual (First 2 Digits) - representing the worst
case scenario - legal case

Digit Record Type Digit Record Type

99 Subject Deceased 47 Bankruptcy Notice struck off
Action Withdrawn
98 Mismatch of name versus legal ID
Settled
95 Bankruptcy receiving or Adjudication Order Received
45 Proclamation of Sale struck off
93 Bankruptcy Creditors Petition issued Action withdrawn
91 Bankruptcy Notice Issued Settled

89 Proclamation of Sale under Deed of Assignment 43 Civil Suit Struck off

Action withdrawn
88 Proclamation of Sale under the National Land Code Settled
Foreclosure Proceedings-Originating Summons
issued 41 Civil Suit under Repayment Scheme
87 Civil Suit 39 Civil Suit- Account Regularized
Summon 37 Tribunal struck off
85 Tribunal Action withdrawn
Settled
83 Special Listing-AMLA
25 Director with a company winding up order issued
82 Internal List
24 Director with company winding up petition issued
49 Bankruptcy Discharge/Annulment
23 Director with company voluntary winding up
48 Bankruptcy Creditors Petition struck off
Action Withdrawn 21 Director with company strike off under section 308
Settled

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CTOS Litigation Index- Company (First 2 Digits) - representing the worst case
scenario - legal case

Digit Record Type Digit Record Type

98 Significant mismatch of company name versus 49 Wound up order struck off
registration number Stayed

97 Company struck off 48 Petition stayed struck off

Business deregistered Action withdrawn
Settled
96 Voluntary Winding up
47 Proclamation of sale struck off
95 Wound up order issued Action Withdrawn
Settled
93 Petition for winding up issued
45 Civil suit struck off
89 Proclamation of sale under Deed of Assignment
Action Withdrawn
88 Proclamation of Sale under the National Land Code Settled
Foreclosure Proceedings-Originating Summons 43 Civil suit under repayment scheme
issued
41 Civil suit-Account regularized
87 Civil Suit
Summon 39 Tribunal struck off
Action withdrawn
86 Originating summon Settled
85 Tribunal 37 Company under special administration
83 Special Listing-AMLA, Internal List 35 Company Restructure/equity reduction

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Third Digit: Fourth Digit:
Tells you the age of the worst case scenario Tells you the total legal cases

Digit Description Digit Description

9 0 - 12 months 9 9 records or > 9 records
8 13 - 24 months 8 8 records
7 25 - 36 months 7 7 records
6 37 - 48 months 6 6 records
5 49 - 60 months 5 5 records
4 61 - 72 months 4 4 records
3 73 - 84 months 3 3 records
2 85 - 96 months 2 2 records
1 > 96 months 1 1 record

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 Section A

STATS:
3 Displays information selected by users and the
availability of information in each section.
Section A: ID Verification
Section B: Company Profile (For Individual:
Directorship & Business Interest, Address
Records)
Section C: CCRIS
Section D: Legal Records

TR: Trade References (TREX/eTR)

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 Section A
4 ID Verification
Company Name / Reg. No. COMPANY SDN BHD / 123456 (your input)

Company Name COMPANY SDN BHD (Name Match)

Company Registration No. 1234560M (ID Match)

Registration Date 04/04/2002

ID Verification
Registered Address NO. 32A, JALAN OPERA U2/L,
TAMAN TTDI JAYA, SECTION U2, • Summary details of
SHAH ALAM, SELANGOR
the subject
Business Sector GENERAL MERCHANDISE
Company Type PRIVATE LIMITED
• Summary details of
Financials and shareholders
the company’s
Last Updated 04/11/2011
financials and
Previous Name Change ABC SDN BHD (12/02/2015)
shareholders’
Revenue 30,100,390.00
information
Profit After Tax (RM) 542,935.00
Net Assets (RM) 1,245,015.00
Paid-up Capital (RM) 550,000.00
Total Company Charges (RM) 4,200,000.00

Directorship  Director 1 (IC)  Director 3 (IC)

 Director 2 (IC)  Director 4 (IC)
Top 5 shareholders  Shareholder 1 (value)  Shareholder 4 (value)
 Shareholder 2 (value)  Shareholder 5 (value)
 Shareholder 3 (value) 11
 Section A
5 Credit Info At A Glance

Source Entity Related Parties

Winding up / Bankruptcy status MDI Clean Clean

Credit Info at a Glance:
Active legal records in past 24 months NEWSPAPERS
• Number 2 0 This section displays the highlights
• Value RM 200,000.00 0 on the following information:
Trade references in past 24 months SUBSCRIBER Litigation, Trade References, CCRIS,
• Negative 0 0 DCHEQUES
• Positive 0 0

Dishonoured cheques in past 24 months DCHEQS YES YES Indicator:

Outstanding credit facilities CCRIS
No records
• Number 3 - With Records
• Value RM 274,599.00 -
• Installments in arrears in past 24 months YES

Special attention accounts CCRIS NO NO

Credit applications in past 12 months CCRIS

 Total 4 -
 Approved 0 -
 Pending 3 -

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Section B- Company’s profile
Section B: Company’s profile

This section will show the details of the company:

1 Company’s business sector, address, share capital, board
of directors and shareholders.

You will find the financial information of the company in

this section too.
Financial information includes:

2 • Balance sheet
• Income Statement
• Liquidity ratios

3 Information on the company’s subsidiaries will also be

shown

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 Section B- Company’s profile
1
Company Name COMPANY SDN BHD (XXXXXXM)
Registration Date 04/04/2002 Company details:
Registered Address NO. 32A, JALAN OPERA U2/L,
TAMAN TTDI JAYA, SECTION U2, • Registration date
SHAH ALAM, SELANGOR • Registration address
Business Sector GENERAL MERCHANDISE • Business Sector
Auditor CHEN & CO • Auditor
• Financial Year End
Financial Year End 31/12
(DD/MM) • Company Type
Company Type PRIVATE LIMITED • Address Records
Address Records Date Source
219 JLN GIGIH 9, BANDAR T6, 47100 SHAH ALAM 15/01/2015 SSM
89 TAMAN FAJAR BAKRI BATU 4, 47200 SHAH ALAM, 07/10/2014 CCRIS
SELANGOR
NO.198, JALAN SATU, TAMAN KERAMAT, SELANGOR 10/11/2014 SSM
NO.23, JALAN RUSA 4, TAMAN BUKIT, SELANGOR 05/07/2012 SSM

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 Section B- Company’s profile

2 Share Capital

Authorised Capital 2,000,000.00 Paid-up 1,000,000.00 Share Capital:

Capital
• Paid up capital
Type Number of Nominal Other than Paid up capital
shares value Cash
• Authorised capital
• Number of shares
Ordinary 1,000,000.00 1.00 0 1,000,000.00
• Nominal Value
Preference 0 0 0 0 • Type of shareholders
Others 0 0 0 0

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 Section B- Company’s profile
3 DIRECTORS
Name Residential IC no. Designation Date of Date of
Address Appointment Resignation
DIRECTOR 1 219 JLN GIGIH 9, 79031201223 Director 04/04/2002 -
BANDAR T6, 4
47100 SHAH
ALAM
DIRECTOR 2 89 TAMAN FAJAR, 77031001551 Director 16/06/2006 - List of directors and
BAKRI BATU 4, 4 shareholders of the
47200 SHAH
ALAM,
company
SELANGOR
SECRETARY NO.198, JALAN 64030101223 Secretary 26/12/2003 -
SATU, 1
TAMAN KERAMAT,
SELANGOR
SHAREHOLDERS
Name IC no. / BR No. Shareholding (shares) Shareholding (%)
SHAREHOLDER 1 790312012234 50,000 10%
SHAREHOLDER 2 770509355519 450,000 90%

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 Section B- Company’s profile
Other financial Information also available in Section B

Snapshot of financial
information in Section B.
These information is obtained
via CCM /SSM- Suruhanjaya
Syarikat Malaysia

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 Section C- CCRIS Information
Section C is divided into 3 subsection: C1, C2 and C3
Subject Status Pending Verification
C1: Banking Payment History CCRIS SUMMARY

Banking Payment History includes: Credit Applications No of Amount

Applications Applied
• CCRIS Summary
Applied in past 12 4 1,850,000.00
• CCRIS Details months
• CCRIS Derivatives
Approved in past 12 - -
months
Rejected in past 12 1 500,000.00
The image in this slide shows CCRIS Summary months
Pending 3 1,350,000.00
Summary of Potential & Outstanding Total Limit FEC Limit
Current Liabilities
As Borrower 272,059.00 2,270,000.00 0.00
As Guarantor - 0.00 0.00
Total 272,059.00 2,270,000.00 0.00
Legal Action Taken Y
Special Attention Y
Account
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 CCRIS Details (C1-Banking Payment History)
CCRIS Details
Loan Information
Total Date Prin. Date
No Date Sts Capacity Lender Facility Outstanding Balance Limit (RM) Repmt. Col Conduct Of Account For Last 12 Months LGL Status
Type Balance (RM) Updated Term Type STS Updated
2015
Type of facility Outstanding Total applied Payment behaviour
2014
Outstanding Credit M F J D N O S A J J M A
12 10/05/2014
1 02/11/2011 Own CB 38,000.00 70
O PCPASCAR 34,488.00 28/02/2015 MTH 0 0 0 0 1 0 0 0 0 0 1

2 10/11/2014 Own CB 10,000.00 00

O CRDTCARD 5,000.00 28/02/2015 MTH 0 0 0 0 0 0 0 0 0 0 1

Total
Outstanding 39,488.00 Total 43,000.00
Balance: Limit:
Special Attention Account
1 10/11/2014 CRDTCARD Special Attention Account- For Account that has bad 10 09/01/2015
payment history/ writ off accounts
Credit Application
1 02/01/2015 P Own Own 25,000.00

2 11/03/2015 A Own CB Credit applications – loan 15,000.00

yet to be imbursed
3 02/02/2015 A Joint OTH 33,000.00

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 Section C1: CCRIS Derivatives
CCRIS DERIVATIVES
Earliest known facility Date of application 09/06/2011
Facility type HRPCSGD – Hire purchase for scheduled goods
Secured facilities # of facilities 2
Total outstanding balance (RM) 272,059.00 (12.4 %)
Average number of installments in arrears 4.4
Unsecured facilities # of facilities 1
Total outstanding balance (RM) 2,500.00 (3.1 %)
Average number of installments in arrears 0

CCRIS Derivatives:
• Earliest Known Facility: The first application with the bank
• Secured facility: Facility with collateral pledged, The number of application, the
outstanding balance
• Unsecured facility: Facility without collateral pledged, the number of application, the
outstanding balance

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 Section C2 and C3: (Dishonoured Cheques and Subject’s Comments)
C2: Dishonoured Cheques

Dishonoured Cheque Information (Own Bank)

Account No Issuance Date Cheque No Amount Remarks

70122182 10/05/2015 223455 5000.00 Account Closed

Dishonoured Cheque Information (Commercial Bank)

Bank Account No Issuance Date Remark
1 1411238939242 05/05/2015 Account Closed

Bounced cheques issued by the subject and recorded by Bank Negara Malaysia.

3 types of remarks:
• Account Closed
• Effects not Cleared
• Insufficient Fund

C3: CCRIS Subject Comment

A platform for subject to comment about the CCRIS information

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 Section D: Legal Records
Section D: This section is divided into 2 subsections (D1
and D2)

D1: Subject as a defendant

D2: Subject as a plaintiff

Section D1 (Summary and details of legal records)

Image below shows the summary of legal records

Status as of last
No Case Type Amount Plaintiff
update
1 SUMMONS - PARTY NAMED IN SUIT 104,934 AFFIN BANK Settled
2 SUMMONS - DIRECTED TO 39,481 AMBANK – RETAIL COLLECTIONS Pending
CENTRE, KL

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 Section D: Legal Cases
1. SUMMONS - PARTY NAMED IN SUIT 1
RESPONDENT COMPANY SDN BHD
How to read legal records:
LOCAL NO 98888720 (LC MATCH)
Main information that you have to look for:
ADDRESS EMR 5217,LOT 3530, 11 . MILES, JLN KAPAR, BEG BERKUNCI,
213 KAPAR, SEL
OBJECT -
INCORPORATION DATE - 1 Record Type and Stage
AUTHORISED CAPITAL -
PETITIONER AFFIN BANK 2
CASE NO 52-52467-2009 HIGH COURT JOHOR BAHRU
2 Petitioner (Party who sued the
PETITION DATE 23-02-2010 STRAITS TIMES 03-03-2010 subject)
ORDER DATE 31-03-2010 MALAY MAIL 21-02-2011 3
HEARING DATE 23-10-2011 3 Amount
AMOUNT 104,934
SOLICITOR KENGTEEN & CO Tel 07-24235266/ 4
SUITES 3 & 4, 15TH FLOOR, 4 22442368 Lawyer details
KOMPLEKS PERDANA REF
LIQUIDATOR THE OFFICIAL RECEIVER
PEGAWAI PEMEGANG HARTA MALAYSIA
7 & 8, BANGUNAN PERTAMA COMPLEX,
JALAN TUANKU ABDUL RAHMAN, 50100 KUALA LUMPUR
SUBJECT COMMENT I have made a police report on this fraud case, as my IC was use
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to obtain this facility.
 Section D: Legal Cases
D2: Legal Cases (Subject as plaintiff)
SUMMONS –PARTY NAMED IN SUIT 1
DEFENDANT ABSOLUTE DISASTER SDN BHD 2
ADDRESS EMR 5217, LOT 3530, 11 . MILES, JLN KAPAR, BEG
BERKUNCI, 213 KAPAR, SEL
OBJECT 0273303 (LC MATCH)
1 Record Type and Stage
INCORPORATED DATE
LAST ANNUAL RETURN DATE 2 Defendant
AUTHORISED CAPITAL PAID-UP
CAPITAL 3 Court Dates
CASE NO WU2-02-2014 3
PETITION DATE 10-05-2014 4
HEARING DATE 10-07-2014 Lawyer details
GAZETTE CCM SEARCH DATE
AMOUNT
SOLICITOR KENGTEEN & CO Tel 07-24325266
SUITES 3 & 4, 15TH FLOOR, Ref
KOMPLEKS PERDANA
123456 4

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 Section D: Legal Cases
D3: AMLA (Anti Money Laundering Act)
Anti Money Laundering Act your enquiry has been screened against database complied from the following sources which
are used frequently for AMLA (Anti Money Laundering Act) screening (a) UN Security Council resolution 1267 list (b)
United States Dept. of the Treasure Specially Designated Nationals.

Please note that a “Name Match” does not mean the subject enquiry id in fact the entity referred to in the AMLA list.
Please conduct your own further probe with the relevant authorities for confirmation.

Example of an AMLA record:

1. United States Dept of Treasury Specially Designated Nationals

Name : Wendall Koon Koon

ID : 6510781

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 Historical Enquiry
2013 2014
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
FI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-FI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit
Evaluation Lawyer 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
FI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-FI 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Others
Lawyer 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

This section displays the total number of enquiries made on the subject in the past 24 months. Divided into 3
categories:
Financial Institution
Non Finance Institution
Lawyer

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How to read TreX/eTR Report

1 Subject of Reference

2 Aging information
1
3 Returned Cheque Experience
2
4
Reminders/ Letter of Demand for payment
Referee’s request: Details of the subscriber that
5
submitted Trade Reference information
3
4

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 How to read TreX/eTR Report
Subject of Reference:
1 *There are some information
(business experiences) shared by
other CTOS Subscribers on this
subject.

1.Relationship: Tells you what is the

relationship of this subject with your
company (as declared by your
company)

2.Aging: Account receivables, the

amount of days owed and other
information about the subject’s
account with the trade referee.
*Trade Referee: the party sharing the
information

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How to read TreX/eTR Report

3. Returned Cheque
Experience:
The subject has issued cheque
but the cheque cannot be
processed due to certain
reasons eg: Insufficient Fund,
Account Closed etc.

4. Reminders/ Letter of
Demand:
Details about the reminder
letter / letter of demand sent
to the subject

5. Referee’s request: Details of

the subscriber that submitted
the Trade Reference

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