1.

Mohammed Abdur Rahman, CRMD,CAD,CIB-Unit
2.

Ghazi Ashraful Alam, CRMD,CAD,CIB-Unit

Roles & Benefits of Credit Bureau
Credit bureaus are institutions that specialize in collecting, collating and disseminating credit information. Credit information is collected from various traditional sources such as banks & financial institutions, government departments, as well as non-traditional sources such as utility providers and compiled into credit information reports which help creditors in assessing repayment capabilities of prospective and existing customers. Credit bureaus aid lenders, borrowers and the economy as a whole. The primary functions of credit bureaus are:
– – – – – – – – To act as a ware house of credit information of borrowers, owners and guarantors. To ensure that accurate depiction of the "prospective borrowers' total credit exposure" and financial position is available to the creditor prior to making a credit decision. To protect creditors against unnecessary credit risk exposure. To prevent application fraud by authenticating application particulars. To ensure that no defaulter can get any credit facility. To facilitate improved efficiency and turn around time of credit evaluation and decisions Commercial banks can use CIB report as part of their screening process for all borrowers. For microfinance, rural banks can help avoid lending to borrowers with existing loans in other banks and, thus, potentially avert client’s over-indebtedness.

Online CIB System: Project overview
• • • • Project funded by : DFID (UKaid) Implementation Agency : CIB, Bangladesh Bank Project Cost: 5.6 million US Dollar Vendor : Italian Company CRIF & Local partner Flora Telecom Ltd. • Project schedule :May, 2009 to October 2010 • Due to readiness of Banks and FIs for the new system and insufficiency of data, the project has gone to live on 19 July 2011

Features of Online CIB System
 Only monthly contribution of data  Threshold 1 taka and above(i.e. Real data)

 Data contribution to the system
 Batch – monthly contribution( subject & contract for new and only contract for old subject)  Online – request for new financing

 Automatic matching system & online report download  Response within seconds  System connectivity: Web& Aplication to Aplication

 Complete historical information of each contract as well

as overall summary (instalment, non-instalment, credit cards)  More information on both contracts and subjects

CIB online Batch Data Contents
SUBJECT:
• A Subject, is someone, or something, that has/can have a credit relationship with a Bank or Financial Institute or that is owner of a Company. A Subject can be an Individual, a Proprietorship, or a Company.
• The following Subject types will be reported:
– – – Person( Individual) Proprietorship Company

CONTRACT:
◦ Any financial transaction with an individual, sole proprietorship, or company that requests credit at banks/FI’s. ◦ Contracts can be divided among Installment (Term), Non Instalment (Continous), and Credit Card  The following contract types will be reported:
   Instalment Non Instalment Credit Cards

LINK

Entities are referenced to each other trough Links. There are two types of Links: Subject-Contract & Subject-Subject.
 Subject-Contract Links allow us to specify which Subject and which Contract are related to each other.  Subject-Subject Links allow us to define “special role “ on companies. Essentially assign individuals who are “Owners” to the specific companies they own.

Data Contribution Forms

Subject

Subject Data Form-1
Individual’s (Borrower/Co-Borrower/Guarantor) Information Month Ending on……………….. Name of the Bank/FI: Record Type: P FI Code: ……………….. FI Subject Code :………………………….. Subject’s Title :……………… Father’s Title: …………….. Mother’s Title:………….. Husband’s Title: ……………. Sector Type: ……………….. Gender: Male/Female District of Birth: National ID Number:…………………… Branch Code :………………… CIB Subject Code (If known): Subject’s Name :…………………………………. Father’s Name: ………………………………… Mother’s Name:………………………………….. Husband’s Name: ………………………………… Sector Code: ………………………………….. Date of Birth : (DDMMYYYY) Country of Birth: National ID Number (Available/Not available):…

If available input ‘1’

If not available input ‘0’
Contd……

Taxpayer Identification Number (TIN): Permanent Address: Street(no & name)/Village……, PS/Upazilla………, PostalCode………….,District……………Country……………………. Street(no & name)/./Village……, PS/ Upazilla………, PostalCode………….,District…………… Country………………

Current Address:

Other ID Documents (Passport/Driving/ Nationality certificate): ID type…………ID no…………ID issue date………….ID issue country…………….. Telephone Number:

________________ Date : Seal and signature of the authorized officer

________________ Se al and signature of the Manager

*Additional form is needed in case of more than one individual. **Abbreviated name is not allowed in case of an individual

Subject Data Form-2
Proprietorship Information
Month Ending on……………….. Name of the Bank/FI: Record Type: I FI Code: ……………….. FI Subject Code :………………………….. Title(M/S) :……………… Legal Form: 1 Sector Type:…………. Taxpayer Identification Number (TIN):… Sector Code: ………………………………… Branch Code :………………… CIB Subject Code (If known): Trade Name :………………………………….

Permanent Address:

Street(no & name)/Village……, PS/Upazilla………, PostalCode………….,District……………Country………………….

Business Address:

Street(no&name)/./Village……, PS/Upazilla………, Postal Code…………., District…………………., Country………………

Telephone Number:
Contd……

Owner’s Title :………………
Owner’s Father’s Title: …………….. Owner’s Mother’s Title:………….. Owner’s Husband’s Title: ……………. Gender: Male/Female District of Birth: National ID Number: ………………. Owner’s Taxpayer Identification Number (TIN): Permanent Address:

Owner’s Name :………………………………….
Owner’s Father’s Name: ………………………………… Owner’s Mother’s Name:………………………………….. Owner’s Husband’s Name: ………………………………… Date of Birth : (DDMMYYYY) Country of Birth: National ID Number (Available/Not available):… If available input ‘1’ If not available input ‘0’

Street(no & name)/Village……, PS/Upazilla………, PostalCode………….,District……………Country………

Current Address:

Street(no & name)/Village……, PS/Upazilla………, PostalCode………….,District……………Country……… ID type…………ID no…………ID issue date………….ID issue country……………..
___________________ ___________________ Seal and signature of the Manager

Other ID Documents (Passport/Driving/ Nationality certificate):

Date :

Seal and signature of the authorized officer

**Abbreviated name is not allowed in case of an individual

Subject Data Form-3
Company-shareholder’s Information Month Ending on……………….. Name of the Bank/FI:

Record Type: C
FI Code: ……………….. FI Subject Code :………………………….. Title: ……. Legal Form: Sector Type:…………. Taxpayer Identification Number (TIN):… Permanent Address: Street(no&name)/Village……, PS/Upazilla………, Sector Code: ………………………………… Branch Code :………………… CIB Subject Code (If known): Trade Name :………………………………….

PostalCode………….,District……………Country………………….
Business Address: Street(no&name)/./Village……, PS/Upazilla………, Postal Code…………., District……………Country………………

Telephone Number:
Contd……

Subject Data Form-4
Company- Shareholder’s Information
Month Ending on……………….. Name of the Bank/FI:

Record Type: L
FI Code: ……………….. FI Subject Code of the company:…… Role :………………….. Branch Code :…………………

FI Subject Code of the Shareholder:……
__________________ Date : Seal and signature of the authorized officer ______________ Seal and signature of the Manager

**Abbreviated name is not allowed in case of an individual

Data Contribution Forms

Contract

Contract Data Form-1
For Instalment Financing
Month Ending on…………… Name of the bank/FI 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 Record Type * F.I. Code * Branch Code F.I. Subject Code * F.I.Contract Code * contract Type * contract Phase * contract Status * Currency Code (in file) * Currency Code of Credit * Starting date of the contract Request date of the contract Planned End Date of the contract Actual End Date of the contract Date of Last Payment Flag Subsidized Credit Flag pre-finance of Loan Code Reorganized Credit Personal Guarantee Type Real Guarantee Type Amount guaranteed by Personal Guarantee Amount guaranteed by Real Guarantee Tak in Unit X(1) X(3) X(4) X(16) X(16) X(2) X(2) X(1) X(3) X(3) D(8) D(8) D(8) D(8) D(8) X(1) X(1) X(1) X(3) X(3) N(12) N(12) D

General information of all types of Contract

23 24 25 26 27 28 29 30 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46

Total financed amount * Total Number of Instalments * Periodicity of Payment * Method of Payment Monthly Instalment Amount Expiration Date of Next Instalment Amount of Next Expiring Instalment Number of remaining Instalments Remaining Amount Number of Overdue and not Paid Instalments Overdue and not Paid Amount Number of days of payment delay Type of leased good Value of leased good New/used Brand Registration number Date of manufacturing Due for recovery Recovery during the reporting period Cumulative recovery Date of law suit Date of classification No. of time(s) rescheduled Economic purpose code

N(12) N(3) N(1) N(3) N(12) D(8) N(12) N(3) N(12) N(3) N(12) N(3) X(1) N(12) X(1) X(40) X(40) D(8) N(12) N(12) N(12) D(8) D(8) N(2) X(4)

Signature, Seal & Date of the auhorised officer

Signature, Seal & Date of the Manager

Contract Data Form-2
For Non Instalment Financing
Month Ending on…………… Name of the bank/FI Record Type * 2 1 4 5 6 7 8 9 10 F.I. Code * Branch Code F.I. Subject Code * F.I.Contract Code * contract Type * contract Phase * contract Status * Currency Code (in file) * Currency Code of Credit * Tak in Unit X(1) X(3) X(4) X(16) X(16) X(2) X(2) X(1) X(3) X(3) D

General information of all types of Contract

11
12 13 14 15 16 17 18 19 20 21 22

Starting date of the contract
Request date of the contract Planned End Date of the contract Actual End Date of the contract Date of Last Payment Flag Subsidized Credit Flag pre-finance of Loan Code Reorganized Credit Personal Guarantee Type Real Guarantee Type Amount guaranteed by Personal Guarantee Amount guaranteed by Real Guarantee

D(8)
D(8) D(8) D(8) D(8) X(1) X(1) X(1) X(3) X(3) N(12) N(12)

23 24 25 26 27 28 29 30 31 32

Credit Limit * Utilization * Nr. of days of payment delay Due for recovery Recovery during the reporting period Cumulative recovery Date of law suit Date of classification No. of time(s) rescheduled Economic purpose code

N(12) N(12)

N(3)
N(12) N(12) N(12) D(8) D(8)

N(2) X(4)

Signature, Seal & Date of the auhorised officer

Signature, Seal & Date of the Manager

Contract Data Form-3
For Credit card
Month Ending on…………… Name of the bank/FI 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 Record Type * F.I. Code * Branch Code F.I. Subject Code * F.I.Contract Code * contract Type * contract Phase * contract Status * Currency Code (in file) * Currency Code of Credit * Starting date of the contract Request date of the contract Planned End Date of the contract Actual End Date of the contract Date of Last Payment Flag Subsidized Credit Flag pre-finance of Loan Code Reorganized Credit Personal Guarantee Type Real Guarantee Type Amount guaranteed by Personal Guarantee Amount guaranteed by Real Guarantee Tak in Unit X(1) X(3) X(4) X(16) X(16) X(2) X(2) X(1) X(3) X(3) D(8) D(8) D(8) D(8) D(8) X(1) X(1) X(1) X(3) X(3) N(12) N(12) D

General information of all types of Contract

23 24 25 26 27 28 29 30 31 32 32 33 34 35 36 37 38 39 40 41 42

Periodicity of Payment Method of Payment Monthly Instalment Amount Credit limit * Expiration Date of Next Instalment Remaining Amount Number of Overdue and not Paid Instalments Overdue not Paid Amount Date of Last Charge Type of Instalment Amount charged in the month Flag Card used in the month How many times Card has been used in the month Number of day of payment delay Due for recovery Recovery during the reporting period Cumulative recovery Date of law suit Date of classification No. of time(s) rescheduled Economic purpose code

X(1) X(3) N(12) N(12) D(8) N(12) N(3) N(12) D(8) X(1) N(12) X(1) N(2) N(3) N(12) N(12) N(12) D(8) D(8) N(2) X(4)

Signature, Seal & Date of the auhorised officer

Signature, Seal & Date of the Manager

Contract Data Form-4 Subject Information for score/grade Month Ending on……………

Subject Information
1 2 3 4 5 6 7 Record Type F.I. Code Branch Code F.I. Subject Code Risk Grading Y score Z score S

Contract Data Form-5 Contract Links for Guarantor / Co-borrower Month Ending on…………… Name of the bank/FI Tak in Unit

Contract Links
1 2 3 4 5 6 7 Record Type F.I. Code Branch Code Type of Link F.I. Primary Code F.I. Secondary Code FI contract code
G or C

G

Signature, Seal & Date of the auhorised officer

Signature, Seal & Date of the Manager