BSD Circular No.4 of 2003

BSD Circular No.04
February 25, 2003

The Presidents/Chief Executives
All Banks/ DFIs/NBFCs

Dear Sirs/Madam,

You will be pleased to know that State Bank of Pakistan has made its Credit Information Bureau (CIB) facilities online in collaboration with Pakistan Banks Association (PBA). Through this facility, banks/financial institutions can now seek credit worthiness reports and submit their monthly credit data to the Bureau electronically via dial up. Resultantly, the time lag in submission of data to CIB and retrieval of credit reports will be minimized so as to promote efficiency in the credit appraisal processes of banks/DFIs/NBFCs.

2) For availing online facility of obtaining Credit Worthiness Reports, banks/DFIs/NBFCs shall be required to sign an agreement with SBP on the prescribed format, the specimen of which can be obtained from this office effective from 28th February 2003. The applicant banks/DFIs/NBFCs will be connected online after signing of the agreement and payment of joining fee of Rs 130, 000/-. Banks shall pay the joining fee to PBA, while DFIs and NBFCs shall pay the fee to SBP. After completion of above formalities, SBP shall provide necessary guidelines, software, users ID etc. to the banks/DFIs/NBFCs. All banks/DFIs/NBFCs are advised to join CIB online at the earliest but not later than 30th April 2003. The State Bank shall not entertain any request for issuance of credit reports manually after 30th April 2003.

3) The existing formats of data collection and credit worthiness reports of CIB have been critically examined in consultation with PBA to bring them at par with international best practices. As a result, the existing formats of data collection (viz. CIB-I, II & III) circulated vide our BSD Circular No.16 dated 26th March 2001 have been revised thereby deleting certain redundant fields/items, increasing the width of few fields and adding some new fields/items. The Revised CIB I, II & III formats are enclosed as Annexure-I

4) Banks/DFIs/NBFCs are advised to submit CIB data of borrowers of Rs.0.5 million and above on the revised formats online through their authorized persons, effective from the month ending 30th April 2003 from their pre-notified telephone numbers, within 15 days from the close of each calendar month. However during the three months parallel run period (upto June, 2003), Banks/DFIs/NBFCs shall continue to submit the above data on floppy diskettes (DBF format) also.

Please acknowledge receipt.

Yours faithfully,

(JAMEEL AHMAD)
Director

DATA BASE STRUCTURE OF CIB-I

					Annexure-I to BSD Circular No 4
					dated 25th February

(Amount in Thousand Rs.)
Sr. No.	FIELD NAME	TYPE	WIDTH	DESCRIPTION	REMARKS
1	LCOD	N	3	Lending Institution Code
2	BRWR	N	7	Borrower's Code
3	NAME	C	60	Name of Borrower
4	ADRS	C	120	Registered Address of Borrower	WIDTH INCREASED FROM 70 TO 120
5	TXNO	C	15	National Tax Number of Borrower
6	BSNS	N	2	Business Code
7	SECTOR	N	1	Sector Information (1=Public, 2= Private)
8	TYPE	C	1	Borrower Type ( I = Individual, C = Company, P = Partnership, O = Others)
9	GRPN	C	30	Group Name of Borrower
10	DRC	C	40	Director's Name
11	FATHER	C	40	Father's Name
13	DTYPE	C	1	Type of Director E=Elected, N=Nominee
14	TNOM	C	3	Type of Nominationg Agency
15	NNOM	C	70	Name of Nominating Agency
16	DRCAD	C	120	Residential Address of Director	WIDTH INCREASED FROM 70 TO 120
17	DNATIONAL	C	1	Nationality of Director P=Pakistani, F=Foreign	NEW FIELD
18	NICOLD	C	13	Old National Identity Card No. of Director	FIELD NAME CHANGED FROM NIC TO NICOLD
19	NICNEW	C	15	New Computerised National Identity Card No. of Director	NEW FIELD
20	DATEIN	DATE	10	Date of appointment of as Director
21	DATEOUT	DATE	10	Date of exclusion as Director
22	SHR	N	3	% of Share holding
23	GRNTR	C	40	Guarantor's Name
24	GFATHER	C	40	Guarantor's Father Name
24	GNICOLD	C	13	Old National Identity Card No. of Guarantor	FIELD NAME CHANGED FROM GNIC TO GNICOLD
25	GNICNEW	C	15	New National Identity Card No. of Guarantor	NEW FIELD
26	GRNTRAD	C	120	Residential Address of Guarantor	WIDTH INCREASED FROM 70 TO 120
27	GLIAB_G	N	10	Total Liabilities of Guarantor towards Institution as Guarantor
28	GLIAB_B	N	10	Total Liabilities of Guarantor towards Institution as Borrower
29	GTYPE	C	1	Type of Guarantee (P = Personal Gurantee, O = Other types)

DATA BASE STRUCTURE OF CIB-II
(Amount in Thousand Rs.)
Sr. No.	FIELD NAME	TYPE	WIDTH	DESCRIPTION	REMARKS
1	INSTREF	C	20	Internal Code/Refference of respective institutions
2	LCOD	N	3	Lending Institution Code
3	BRWR	N	7	Borrower's Code
4	BRANCH	C	15	Branch Code
5	NAME	C	60	Name of Borrower
6	GRPN	C	30	Group Name of Borrower