ANNEX II
Index | Template | Data field | Borrower type | Loan type | Description | Mandatory data fields | Field type | ESMA (RTS 2020/1224) | ANACREDIT (Anacredit Reporting Manual to ECB/2016/13) | FINREP (ITS 2021/451) | CRR | IAS/IFRS |
1,00 | Counterparty | Counterparty Group Identifier | Applicable to all | Applicable to all | Institution's internal identifier to uniquely identify each counterparty group. Where counterparty group is defined as a group of related counterparties. Where a group could just be a standalone counterparty or multiple counterparties. Each counterparty group should have one Counterparty Group Identifier. | Mandatory | Alphanumeric | |||||
1,01 | Counterparty | Name of Counterparty Group | Applicable to all | Applicable to all | Name used to refer to the counterparty group. | Mandatory | Alphanumeric | |||||
1,02 | Counterparty | Counterparty Identifier | Applicable to all | Applicable to all | Institution's internal identifier to uniquely identify each counterparty. Each counterparty must have one counterparty identifier at the cut-off date. This value cannot be used as the counterparty identifier for any other counterparty. | Mandatory | Alphanumeric | 2.2.3; 12.4.1 | ||||
1,03 | Counterparty | Name of Counterparty | Applicable to all | Applicable to all | Full legal name of the counterparty. | Mandatory | Alphanumeric | 12,1 | ||||
1,04 | Counterparty | Economic activity | Corporate | Applicable to all | Classification of the corporate counterparty according to its economic activity, in accordance with the NACE revision 2 statistical classification as laid down in Regulation (EC) No 1893/2006. | Mandatory | Choice populated by using the classification NACE codes-a level two, three or four NACE code in accordance with Regulation (EC) No 1893/2006. | 12.4.15 | ||||
1,05 | Counterparty | Role of the counterparty | Applicable to all | Applicable to all | Role of the counterparty ("Protection provider", "Borrower"). | Mandatory | Choice: Protection Provider; Borrower. | |||||
1,06 | Counterparty | Legal Type of Counterparty | Applicable to all | Applicable to all | Type of the counterparty broken-down by sector as defined in Annex V of the Regulation (EU) N. 2021/451 ("Non-financial corporations-SMEs"; "Non-financial corporations- other than SMEs"; "Households"). | Mandatory | Choice: Non-financial corporations-SMEs; Non-financial corporations-other than SMEs; Households. | Annex V.Part 1.Paragraph 5(i); Paragraph 42 (e) (f) | ||||
1,07 | Counterparty | Date of birth | Private Individual | Applicable to all | Date of birth of the private individual counterparty. | dd/mm/yyyy | ||||||
1,08 | Counterparty | Residency of Counterparty | Private Individual | Applicable to all | Indication whether the residency of the private individual counterparty is in the same country of the institution. | Mandatory | Boolean (Yes or No). | |||||
1,09 | Counterparty | Counterparty deceased | Private Individual | Applicable to all | Indication as to whether the private individual counterparty has passed away. | Boolean (Yes or No). | Annex X.NPEL9 | |||||
1,10 | Counterparty | National identifier | Corporate | Applicable to all | A commonly used identification code which enables the unambiguous identification of the counterparty within its country of residency. | Mandatory | Alphanumeric | |||||
1,11 | Counterparty | National identifier | Private Individual | Applicable to all | A commonly used identification code which enables the unambiguous identification of the counterparty within its country of residency. | Alphanumeric | ||||||
1,12 | Counterparty | Source of National identifier | Corporate | Applicable to all | Name of the country specific registration office which provides the counterparty national identifier. | Mandatory | Alphanumeric | |||||
1,13 | Counterparty | Legal Entity Identifier (LEI) | Corporate | Applicable to all | A legal entity identifier of the counterparty assigned in accordance with the International Organisation for Standardisations. | Choice populated by using ISO 17442. | 12.4.2 | |||||
1,14 | Counterparty | Address of Counterparty | Corporate | Applicable to all | Counterparty's street address, including the street number. | Mandatory | Alphanumeric | 12.4.8 | ||||
1,15 | Counterparty | City of Counterparty | Corporate | Applicable to all | Counterparty's city, town or village. | Mandatory | Alphanumeric | 12.4.9 | ||||
1,16 | Counterparty | Postal code of Counterparty | Applicable to all | Applicable to all | Counterparty's postal code. | Mandatory | Alphanumeric | 12.4.10 | ||||
1,17 | Counterparty | Country of Counterparty | Applicable to all | Applicable to all | Counterparty's country. | Mandatory | Choice populated by using ISO 3166-1 alpha-2 code of the country. | 12.4.12 | ||||
1,18 | Counterparty | Availability of e-mail address | Applicable to all | Applicable to all | Indicator whether the institution has the availability of an e-mail address of the counterparty. | Boolean (Yes or No). | ||||||
1,19 | Counterparty | Availability of telephone number | Applicable to all | Applicable to all | Indicator whether the institution has the availability of a telephone number (mobile or landline) of the counterparty. | Boolean (Yes or No). | ||||||
1,20 | Counterparty | Date of Last Contact | Applicable to all | Applicable to all | The most recent date of contact with the counterparty, by using any oral or written communication mean (i.e. letter, phone collection, e-mail) and provided that a reply has been received by the counterparty. | dd/mm/yyyy | ||||||
1,21 | Counterparty | Date of Latest Annual Financial Statements | Corporate | Applicable to all | Date of the latest available Financial Statements. | dd/mm/yyyy | ||||||
1,22 | Counterparty | Currency of Financial Statements | Corporate | Applicable to all | Currency in which the latest available financial statements are expressed in. | Choice populated by using ISO 4217 currency codes. | ||||||
1,23 | Counterparty | Fixed Assets | Corporate | Applicable to all | Carrying amount of the corporate counterparty's fixed assets as per its latest available financial statements. Where ‘Fixed Assets’ is defined by IAS 16 (Property, Plant and Equipment) or similar according to other accounting standards, as assets whose use is for the business operation, where a value is assigned to them, and the useful economic life is more than one year. | Number | IAS 16.6 | |||||
1,24 | Counterparty | Current Assets | Corporate | Applicable to all | Carrying amount of the corporate counterparty's current assets, excluding cash and cash equivalent items as per its latest available financial statements. Where ‘Current Assets’ are assets that are defined by IAS 1.60, or similar according to other accounting standards, as expected to be realised in the entity’s normal operating cycle, held primarily for the purpose of trading, and expected to be realised within 12 months after the reporting period. | Number | IAS 1.60; IAS 1.66 | |||||
1,25 | Counterparty | Cash and Cash Equivalent Items | Corporate | Applicable to all | Carrying amount of the corporate counterparty's cash and cash equivalent items as per its latest available financial statements. Where ‘Cash and Cash Equivalents’ are defined by IAS 7 or similar according to other accounting standards, as short-term, highly liquid investments that are readily convertible to known amounts of cash and which are subject to an insignificant risk of changes in value. | Number | IAS 7.6 | |||||
1,26 | Counterparty | Total Assets | Corporate | Applicable to all | Carrying amount of the corporate counterparty's total assets, as defined by the applicable accounting standard, as per its latest available financial statements. | Number | IAS 1.9(a), IG 6 | |||||
1,27 | Counterparty | Total Liabilities | Corporate | Applicable to all | Carrying amount of the corporate counterparty's total liabilities, as defined by the applicable accounting standard, as per its latest available financial statements. | Number | IAS 1.9(b), IG 6 | |||||
1,28 | Counterparty | Total Debt | Corporate | Applicable to all | Carrying amount of the corporate counterparty's total debt as defined by the IAS 32.11 (financial liabilities) or similar applicable accounting standard, as per its latest available financial statements. It's related to all formal, written financing agreements such as short-term loans payable, long-term loans payable, and bonds payable as per the latest available financial statements. | Number | IAS 32.11 | |||||
1,29 | Counterparty | Annual Turnover | Corporate | Applicable to all | Annual sales volume net of all discounts and sales taxes of the counterparty in accordance with Recommendation 2003/361/EC. Equivalent to the concept of ‘total annual sales’ in Article 153(4) of Regulation (EU) No 575/2013. | Number | 12.4.22 | Art. 153(4) | ||||
1,30 | Counterparty | Annual EBIT | Corporate | Applicable to all | Amount of annual Earnings Before Interest and Tax (EBIT) generated by the corporate counterparty as per the latest available financial statements. | Number | ||||||
1,31 | Counterparty | Name of Insolvency/Restructuring Proceedings | Applicable to all | Applicable to all | Name of any insolvency or restructuring proceedings to which the counterparty is subject. | Mandatory | Choice dependent on the country. | |||||
1,32 | Counterparty | Status of legal proceedings | Applicable to all | Applicable to all | Categories describing a counterparty's legal status in relation to its solvency based on the national legal framework. The institution must transpose the values listed in the 'Field type' column into the national legal framework. | Mandatory | No legal action taken; Under judicial administration, receivership or similar measures; Bankruptcy/insolvency; Other legal measures. | 12.4.16 | ||||
1,33 | Counterparty | Description of other legal measures | Applicable to all | Applicable to all | Description of the status of legal proceedings when ‘Other legal measures’ is selected in data field ‘Status of legal proceedings’. | Alphanumeric | 12.4.16 | |||||
1,xx | Counterparty | |||||||||||
2,00 | Relationship | Counterparty Identifier | Applicable to all | Applicable to all | Institution's internal identifier to uniquely identify each counterparty. Each counterparty must have one counterparty identifier at the cut-off date. This value cannot be used as the counterparty identifier for any other counterparty. | Mandatory | Alphanumeric | 2.2.3; 12.4.1 | ||||
2,01 | Relationship | Loan Identifier | Applicable to all | Applicable to all | Institution’s internal identifier to uniquely identify each loan under a single loan agreement. Each loan must have one loan identifier at the cut-off date. This value cannot be used as the loan identifier for any other loan under the same or different loan agreement. | Mandatory | Alphanumeric | |||||
2,02 | Relationship | Mortgage Identifier | Applicable to all | Secured loan | The institution’s internal identifier for the Mortgage Agreement. | Mandatory | Alphanumeric | |||||
2,03 | Relationship | Protection Identifier | Applicable to all | Secured loan | Institution’s internal identifier to uniquely identify each protection used to secure the loan (collateral or guarantee). Each protection must have one protection identifier at the cut-off date. This value cannot be used as the protection identifier for any other protection. Where the categories of the collateral and guarantee are those defined in the template F13.01 of Annexes III and IV to Implementing Regulation (EU) No 2021/451. | Mandatory | Alphanumeric | 2.2.6 | Annex III and Annex IV. F 13.01 | |||
3,00 | Loan | Cut-off Date | Applicable to all | Applicable to all | Reference date of the data included in the EBA NPL templates. In general, if not otherwise provided in the description of the field, the data refers to the cut-off date. | Mandatory | dd/mm/yyyy | |||||
3,01 | Loan | Loan Identifier | Applicable to all | Applicable to all | Institution’s internal identifier to uniquely identify each loan under a single loan agreement. Each loan must have one loan identifier at the cut-off date. This value cannot be used as the loan identifier for any other loan under the same or different loan agreement. | Mandatory | Alphanumeric | |||||
3,02 | Loan | Inception date | Applicable to all | Applicable to all | The date on which the contractual relationship originated, i.e. the date on which the contract agreement became binding for all parties. | Mandatory | dd/mm/yyyy | 3.4.4 | ||||
3,03 | Loan | Governing Law of Loan Agreement | Applicable to all | Applicable to all | Jurisdiction governing the loan agreement. This does not necessarily correspond to the country where the loan agreement was originated. | Mandatory | Choice populated by using ISO 3166 ALPHA-2. | Annex X.NPEL 23 | ||||
3,04 | Loan | Joint Counterparties | Applicable to all | Applicable to all | Number of counterparties who jointly owe under the loan. They are jointly responsible for payments to the lender arising under the loan agreement. | Mandatory | Choice: no joint counterparties two counterparties; more than two counterparties. | |||||
3,05 | Loan | Asset Class | Applicable to all | Applicable to all | Asset class of the loan as defined in Article 2(1) of Commission Delegated Regulation (EU) 2020/1224. | Mandatory | Choice: Residential real estate, Commercial real estate, Corporate, Automobile, Consumer, Credit card, Leasing, Other | Article 2(1). | ||||
3,06 | Loan | Type of instrument | Applicable to all | Applicable to all | Classification of the loan according to the type of contractual terms agreed between the parties. | Mandatory | Choice populated according to the seller's segmentation. A suggested list is the following: Deposits other than reverse repurchase agreements; Overdraft; Credit card debt; Revolving credit other than overdrafts and credit card debt; Credit lines other than revolving credit; Reverse repurchase agreements; Trade receivables; Financial leases; Other loans. | 3.4.1 | ||||
3,07 | Loan | Legal final maturity date | Applicable to all | Applicable to all | Contractual maturity date of the loan as at the cut-off date, taking into account any agreements amending initial contracts, including forbearance measures. This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | dd/mm/yyyy | 3.4.6 | |||||
3,08 | Loan | Currency | Applicable to all | Applicable to all | Currency denomination of the Loan, in accordance with the ISO's 4217 standard. | Mandatory | Choice populated by using ISO 4217 Currency Codes. | 3.4.3 | ||||
3,09 | Loan | Principal amount | Applicable to all | Applicable to all | The amount of oustanding principal as recognised on the balance sheet as at the cut-off date. The number does not include the amounts recognised under the field 'Accrued interest' and 'Other balances'. | Mandatory | Number | |||||
3,10 | Loan | Accrued interest | Applicable to all | Applicable to all | The amount of accrued interest on loans as defined in Regulation (EU) No 1071/2013 (ECB/2013/33) as at the cut-off date. In accordance with the general principle of accruals accounting, interest receivable on instruments should be subject to on-balance sheet recording as it accrues (i.e. on an accruals basis) rather than when it is actually received (i.e. on a cash basis). | Mandatory | Number | 4.4.11 | ||||
3,11 | Loan | Other balances | Applicable to all | Applicable to all | Total amount of other outstanding amounts recognised on the balance sheet as at the cut-off date.The number should incorporate other charges, commissions, fees and other outstanding amounts not recognised under the field 'Principal amount' or 'Accrued interest'. | Mandatory | Number | |||||
3,12 | Loan | Legal Balance | Applicable to all | Applicable to all | Total claim amount, including any on-balance sheet exposures (excluding any debt forgiveness), off-balance sheet exposures and penalty interests, which the lender is entitled to receive by the debtor as at the cut-off date. | Mandatory | Number | |||||
3,13 | Loan | Days in Past-Due | Applicable to all | Applicable to all | Number of days that the loan is currently past-due as at the cut-off date. In case of non-performing loans that are not past-due, the number is zero. The loan is ‘past-due’ when it meets the criteria of paragraph 96 of Part 2 of Annex V to Implementing Regulation (EU) No 2021/451. | Mandatory | Number | |||||
3,14 | Loan | Interest Rate | Applicable to all | Applicable to all | Annualised agreed rate or narrowly defined interest rate in accordance with Regulation (EU) No 1072/2013 of the European Central Bank (ECB/2013/34). It's applicable at the cut-off date, which takes into account any current forbearance measure. This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | Percentage | 4.4.1 | |||||
3,15 | Loan | Interest Rate Type | Applicable to all | Applicable to all | Classification of loans based on the base rate for establishing the interest rate for each payment period. It's applicable at the cut-off date, which takes into account any current forbearance measure. This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | Choice: Fixed; Variable; Mixed. | 3.4.8 | |||||
3,16 | Loan | Description of Interest Rate Type | Applicable to all | Applicable to all | Description of interest rate type when "Mixed" is selected in field "Interest Rate Type". This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | Alphanumeric | ||||||
3,17 | Loan | Interest rate spread/margin | Applicable to all | Applicable to all | Margin or spread (expressed as a percentage) to add to the reference rate that is used for the calculation of the interest rate in basis points. It's applicable at the cut-off date, which takes into account any current forbearance measure granted. This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | Percentage | 3.4.12 | |||||
3,18 | Loan | Reference Rate | Applicable to all | Applicable to all | Reference rate used for the calculation of the actual interest rate. Combination of the reference rate value and maturity value, applicable at the cut-off date when ‘Variable’ is selected in the field ‘Interest Rate Type’. This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | Alphanumeric | ||||||
3,19 | Loan | Interest rate reset frequency | Applicable to all | Applicable to all | Frequency at which the interest rate is reset after the initial fixed-rate period, if any. It's applicable at the cut-off date, which takes into account any current forbearance measure. This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | Choice: Not resettable Overnight Monthly Quarterly Semi-annually Annually At creditor discretion Other frequency | 3.4.9 | |||||
3,20 | Loan | Payment Frequency | Applicable to all | Applicable to all | Frequency of payments due, either of principal or interest, i.e. number of months between payments. It is based on the current loan agreement as at the cut-off date, which takes into account any current forbearance measure. This data field is required only when the field 'Days in Past-Due' is less than or equal to 365 days in past-due. | Choice: Monthly Quarterly Semi-annually Annually Bullet Zero coupon Other | 3.4.16 | |||||
3,21 | Loan | Last Payment Date | Applicable to all | Applicable to all | Date that the last payment was made. | dd/mm/yyyy | Annex X.NPEL 30. | |||||
3,22 | Loan | Last Payment Amount | Applicable to all | Applicable to all | Amount of last payment. | Number | ||||||
3,23 | Loan | Date of the default status of the instrument | Applicable to all | Applicable to all | The date on which the default status is considered to have occurred. Where default is as per Article 178 of Regulation (EU) No 575/2013 (CRR). In case of non-performing loans that are not in default status, this data field is not reported. | Mandatory | dd/mm/yyyy | 4.4.5 | Definition of default as of Article 178 | |||
3,24 | Loan | Loan legal status | Applicable to all | Applicable to all | Indication of the loan legal status as at the cut-off date. | Mandatory | Choice: (c) no legal or 'out of court' action taken. out of court settlement; legal proceedings; | |||||
3,25 | Loan | Date of initiation of legal proceedings | Applicable to all | Applicable to all | The date on which the legal proceedings were initiated. This date must be the most recent relevant date prior to the cut-off date and must only be reported if the field 'Loan legal status' has the value 'legal proceedings'. | Mandatory | dd/mm/yyyy | |||||
3,26 | Loan | Stage reached in legal proceedings | Applicable to all | Applicable to all | It is an indication of how advanced the relevant legal procedure has become as a result of various legal steps in the legal procedure having been completed for each secured or unsecured loan. The generic, standardised legal actions across countries are identified below. This is not an exhaustive list of legal actions and therefore the institution should make a value judgement as to whether they should add any additional legal actions to the generic standardised legal actions. Multiple selections of stages are allowed to be entered if applicable: This data field must only be reported if the field 'Loan legal status' has the value 'legal proceedings'. Initial stage; A proof of claim has been filed by the seller; A notice of intention to sell secured assets has been given; A distribution has been made to the seller; A notice of the end of the procedure has been given. | Mandatory | alphanumeric | |||||
3,27 | Loan | Jurisdiction of Court | Applicable to all | Applicable to all | Location of the court where the court case is being heard.This field is required only when a court case has been initiated | Mandatory | Choice populated by using ISO 3166 ALPHA-2. | Annex X.NPEL20 | ||||
3,28 | Loan | Date of Obtaining Order for Possession | Applicable to all | Secured loan | Date that the order for possession is granted by the court. This field is required only when an order for possession has been granted by the court. | dd/mm/yyyy | Annex X.NPEL21 | |||||
3,29 | Loan | Statute of limitations date | Applicable to all | Applicable to all | Date when the loan expires and legal proceedings cannot be undertaken.This field is required only when it is applicable under the governing law of the loan agreement and the legal status of the loan. | Mandatory | dd/mm/yyyy | |||||
3,30 | Loan | Syndicated Loan | Applicable to all | Applicable to all | Indicator as to whether the loan is provided by a syndicate or consortium of two or more credit institutions. This means that in the case of a syndicated loan the institution holds less than 100% of the total loan. | Boolean (Yes or No). | ||||||
3,31 | Loan | Syndicated Portion | Applicable to all | Applicable to all | Percentage of the portion held by the institution. Applicable when "Yes" is selected in field "Syndicated Loan". | Percentage | Annex X.NPEL 31 | |||||
3,32 | Loan | Securitised | Applicable to all | Applicable to all | Indicator as to whether the loan has been securitised or within covered bond pool. | Boolean (Yes or No). | ||||||
3,33 | Loan | Lease agreement | Applicable to all | Secured loan | Indicator as to whether the credit agreement contains a lease. | Mandatory | Boolean (Yes or No). | IFRS 16.9 | ||||
3,34 | Loan | Start Date of Lease | Applicable to all | Secured loan | Date that the current lease starts if 'yes' is selected in the field 'Lease agreement'. | dd/mm/yyyy | ||||||
3,35 | Loan | End Date of Lease | Applicable to all | Secured loan | Date that the current lease ends if 'yes' is selected in the field 'Lease agreement'. | dd/mm/yyyy | ||||||
3,36 | Loan | Lease Break Option | Applicable to all | Secured loan | Details of any lease break clause(s) if 'yes' is selected in the field 'Lease agreement'. | Alphanumeric | ||||||
3,37 | Loan | Type of Lease | Applicable to all | Secured loan | Type of the lease agreement with the counterparty if 'yes' is selected in the field 'Lease agreement'. | Choice: Triple Net (Tenant pays the base rental amount plus operating costs, including real estate taxes, insurance, maintenance, and repairs); Net-Net Lease (Tenant pays the base rental amount, real estate taxes, and insurance premiums). | ||||||
3,38 | Loan | Forbearance measure | Applicable to all | Applicable to all | Indicator as to whether forbearance measures are currently applied to the loan at the cut-off date. | Mandatory | Boolean (Yes or No). | Art. 47b | ||||
3,39 | Loan | Type of Forbearance measure | Applicable to all | Applicable to all | Types of forbearance as defined in accordance with the criteria and the definitions specified in paragraphs 357 and 358 of Part 2 of Annex V to Implementing Regulation (EU) No 2021/451. Applicable when 'yes' is selected in the field 'Forbearance measure'. Multiple choices are permitted. | Mandatory | Choice: grace period/payment moratorium; interest rate reduction; extension of maturity/term; rescheduled payments; debt forgiveness; debt asset swaps; other forbearance measures. | Annex V.Part 2.357-358. | ||||
3,40 | Loan | End Date of Forbearance measure | Applicable to all | Applicable to all | Date that the current applicable forbearance measure ends. Applicable when 'yes' is selected in the field 'Forbearance measure'. In case of multiple forbearance measures, the most recent end date of the forbearance measures is considered. | Mandatory | dd/mm/yyyy | Annex X.NPEL 41 | ||||
3,41 | Loan | Description of the Forbearance measures | Applicable to all | Applicable to all | Further comments/details on the forbearance measures, including the description of any clause to stop forbearance and multiple forbearance measures applied to the loan. Applicable when 'yes' is selected in the field 'Forbearance measure'. | Alphanumeric | ||||||
3,42 | Loan | Debt Forgiveness | Applicable to all | Applicable to all | Gross carrying amount of the loan that was partially forgiven as part of current forbearance measure, including principal forgiveness agreed by external collection agencies, as at the cut-off date. Where debt forgiveness refers to a partial cancellation of the loan by the institution through forfeiture of right to legally recover it as specified in paragraph 358 of Part 2 of Annex V to Implementing Regulation (EU) No 2021/451. The gross carrying amount is defined in accordance with paragraph 34.Part 1 of Annex V to Implementing Regulation (EU) No 2021/451. Applicable when the category (e) debt forgiveness is selected in the field 'Type of Forbearance'. | Number | Annex V.Part 1.34 and Part 2.358 | |||||
3,43 | Loan | Number of historical forbearance | Applicable to all | Applicable to all | Number of forbearance(s) that happened in the last two years. Applicable when 'yes' is selected in the field 'Forbearance measure'. | Number | ||||||
3,xx | Loan | |||||||||||
4,00 | Collateral, guarantee and enforcement | Protection Identifier | Applicable to all | Secured loan | Institution’s internal identifier to uniquely identify each protection used to secure the loan (collateral or guarantee). Each protection must have one protection identifier at the cut-off date. This value cannot be used as the protection identifier for any other protection. Where the categories of the collateral and guarantee are those defined in the template F13.01 of Annexes III and IV to Implementing Regulation (EU) No 2021/451. | Mandatory | Alphanumeric | 2.2.6 | Annex III and IV. F 13.01 | |||
4,01 | Collateral, guarantee and enforcement | Type of immovable property | Applicable to all | Secured loan | Type of the immovable property collateral. Applicable to all immovable (real estate) collateral. | Mandatory | Choice: office retail industrial residential other | |||||
4,02 | Collateral, guarantee and enforcement | Type of movable property, other collateral and guarantee | Applicable to all | Secured loan | Type of movable property, other collateral and guarantee. Applicable to collateral (other than immovable property) and guarantees. | Mandatory | Choice populated according to the seller's segmentation. A suggested list is the following: Auto mobile vehicles Industrial and commercial vehicles (including commercial trucks, rail vehicles etc.) Nautical vehicles and ships (includes Nautical leisure vehicles) Aeroplanes Industrial equipment (includes Machine tools and Energy related equipment and Floating charge) Office equipment Medical equipment Goods and inventory (company's goods and products that are ready to sell, along with the raw materials that are used to produce them) Other physical collateral Equity and debt securities Financial Guarantees Life insurance policies pledged Gold, currency and deposits Other collateral | |||||
4,03 | Collateral, guarantee and enforcement | Address of immovable property | Applicable to all | Secured loan | Street address where the immovable property is located at, including flat/house, number or name. Applicable to all immovable (real estate) collateral. | Mandatory | Alphanumeric | |||||
4,04 | Collateral, guarantee and enforcement | City of immovable Property | Applicable to all | Secured loan | City where the immovable property is located at. Applicable to all immovable (real estate) collateral. | Mandatory | Choice populated by using UN/LOCODE. | |||||
4,05 | Collateral, guarantee and enforcement | Immovable property Postcode | Applicable to all | Secured loan | Postcode where the immovable Property is located at. Applicable to all immovable (real estate) collateral, unless there is no postal code for land or alike. | Mandatory | Alphanumeric | |||||
4,06 | Collateral, guarantee and enforcement | Immovable property Country | Applicable to all | Secured loan | Region or country where the immovable property collateral is located. Applicable to all immovable (real estate) collateral. | Mandatory | Choice populated by using ISO 3166 ALPHA-2 of the region or country in which the collateral is located. | |||||
4,07 | Collateral, guarantee and enforcement | Immovable property collateral cadaster identification number | Applicable to all | Secured loan | The identification number under which the immovable property collateral is recorded in the cadaster. | Alphanumeric | ||||||
4,08 | Collateral, guarantee and enforcement | Cadaster identification | Applicable to all | Secured loan | The name and/or identification code of the official register (cadaster) showing details of ownership, boundaries and value of the immovable property (collateral). | Alphanumeric | ||||||
4,09 | Collateral, guarantee and enforcement | Lien position | Applicable to all | Secured loan | The highest ranking position held by the institution in relation to the collateral other than mortgage guarantee, which determines the order in which the law recognises the institution's claims against the collateral in a foreclosure. In case the loan has several liens on one collateral, the highest claim held by the institution is reported in this field. Applicable if the lien is recorded against the title to the collateral in the official deed records. In the case of mortgage guarantees, this field is not filled under this template but in the Template 4.2: Mortgage guarantee. | Mandatory | Number | |||||
4,10 | Collateral, guarantee and enforcement | Higher Ranking Loan | Applicable to all | Secured loan | The amount that higher ranking claimants/holders of first position liens are entitled to receive before the institution in a foreclosure of the collateral other than mortgage guarantee. The purpose of this field is to provide an indication of the extent to which the institution will be able to recoup the outstanding debt from the collateral in a foreclosure after first position liens have been settled in full. Applicable if the institution does not hold the first position lien in relation to the collateral. In the case of mortgage guarantees, this field is not filled under this template but in the Template 4.2: Mortgage guarantee. | Mandatory | Number | |||||
4,11 | Collateral, guarantee and enforcement | Register of Deeds Number | Applicable to all | Secured loan | Registration number under which the institution's lien against the title to the collateral other mortgage guarantee is recorded in the official deed records. Applicable if the institution has a lien on the collateral. In the case of mortgage guarantees, this field is not filled under this template but in the Template 4.2: Mortgage guarantee. | Alphanumeric | ||||||
4,12 | Collateral, guarantee and enforcement | Year of construction | Applicable to all | Secured loan | The year in which the collateral was constructed. | |||||||
4,13 | Collateral, guarantee and enforcement | Building Area (M2) | Applicable to all | Secured loan | Building area (square metres) of the immovable property. Applicable to all immovable (real estate) collateral. | Number | ||||||
4,14 | Collateral, guarantee and enforcement | Land Area (M2) | Applicable to all | Secured loan | Land area surrounding the immovable property (square metres). Applicable to all immovable (real estate) collateral. | Number |