EBA NPL Counterparty Table

From Open Risk Manual

Table Fields

Field Type Definition
Counterparty Identifier Text Unique internal identifier for the Counterparty. One or multiple Counterparties can be part of a Counterparty
Name of Counterparty Text Name used to refer to the Counterparty
Counterparty Group Identifier Text Institution's internal identifier for the Counterparty Group where Counterparty Group is defined as a group of related Counterparties
Counterparty Role Choice Type of the Counterparty
Legal Type of Counterparty Choice Type of the Counterparty i.e. Private Individual, Listed Corporate, Unlisted Corporate and Partnership
Number of Joint Counterparties Number Number of joint Counterparties who jointly own parts of the Loan.
Date of Birth Date Date of birth of the Private Individual Counterparty
Personal Identity Number Text Unique external identifier assigned to the Private Individual Counterparty
Type of Personal Identity Number Choice Type of the personal identity number entered in field "Personal Identity Number", e.g. National Insurance Number, Passport Number, National Tax Number
Nationality of Counterparty Choice Main nationality of the Private Individual Counterparty
Address of Residence Text Street address where the Private Individual Counterparty lives, including flat / house number
City of Residence Choice City where the Private Individual Counterparty lives
Geographic Region of Residence Choice Province / Region where the Private Individual Counterparty lives
Geographic Region Classification Choice NUTS3 classification used for the field "Geographic Region of Residence", i.e. NUTS3 2013 (1), NUTS3 2010 (2), NUTS3 2006 (3), NUTS3 2003 (4), Other (5)
Postcode of Residence Text Postcode where the Private Individual Counterparty lives
Country of Residence Choice Country where the Private Individual Counterparty resides
Annual Income Number Total annual income of the Private Individual Counterparty
Currency of Annual Income Choice Currency that the annual income of the Private Individual Counterparty is expressed in
Income Self-Certified Boolean Indicator as to whether the Private Individual Counterparty has self-certified their annual income
Employment Status Choice Employment status of the Private Individual Counterparty
Occupation Type Choice Main occupation of the Private Individual Counterparty, where (a), (b), (c) or (d) is selected in the field 'Employment Status'
Occupation Description Text Description of the occupation of the Private Individual Counterparty, providing more detail for field "Occupation Type"
Date of Verification for Personal Details Date Date that the personal details of the Private Individual Counterparty, i.e. nationality, residence, annual income and occupation in the above fields, were last verified
Internal Credit Rating at Origination Text Internal credit rating issued to the Counterparty applicable at the point in time when the Counterparty became a customer.
External Credit Rating at Origination Text External credit rating issued to the Corporate Counterparty applicable at the point in time when the Counterparty became a customer
Source of External Credit Rating at Origination Text From which agency the external credit rating at the point in time when the Counterparty became a customer
External Credit Scoring at Origination Text External credit scoring issued to the Private Individual Counterparty at loan origination
Source of External Credit Scoring at Origination Text From which agency the external credit scoring at the point in time when the Counterparty became a customer
Current Internal Credit Rating Text Internal credit rating issued to the Counterparty at the NPL Portfolio Cut-Off Date
Current External Credit Rating Text External credit rating issued to the Corporate Counterparty at NPL Portfolio Cut-Off Date
Source of Current External Credit Rating Text Agency which provided the external credit rating at cut-off date
Current External Credit Scoring Text External credit scoring issued to the Private Individual Counterparty at cut-off date
Source of Current External Credit Scoring Text From which agency the external credit scoring at NPL Portfolio Cut-Off Date was obtained
Date of Incorporation Date Date that the Corporate Counterparty was incorporated as a company, partnership or fund, and therefore became a separate legal entity from its owners, with its own rights and obligations
Registration number Text Company registration number of the Corporate Counterparty according to the country specific registration office
Legal Entity Identifier Choice Global standard 20-character corporate identifier of the Corporate Counterparty
Address of Registered Location Text Address where the Corporate Counterparty is registered, including flat / house number
City of Registered Location Choice City where the Corporate Counterparty is registered
Geographic Region of Registered Location Choice Province or Region where the Corporate Counterparty is registered
Geographic Region Classification Choice NUTS3 classification used for the field "Geographic Region of Registered Location", i.e. NUTS3 2013 (1), NUTS3 2010 (2), NUTS3 2006 (3), NUTS3 2003 (4), Other (5)
Postcode of Registered Location Text Postcode where the Corporate Counterparty is registered
Country of Registered Location Choice Country where the Corporate Counterparty is registered
Basis of Financial Statements Choice Financial reporting practice the Corporate Counterparty has adopted
Financial Statements Type Choice Indicator as to whether the financial statements have been prepared at the Consolidated or at the Counterparty level
Date of Latest Annual Financial Statements Date Date of the latest available Financial Statements
Currency of Financial Statements Choice Currency that the latest available financial statements are expressed in
Enterprise Size Choice Classification of enterprises by size for the Corporate Counterparty
Industry Segment Choice Industry in which the Corporate Counterparty mainly operates
Business Description Text Description of the business operations of the Corporate Counterparty, providing more detail for field "Industry Segment"
Fixed Assets Number Amount of fixed assets held by the Corporate Counterparty as per the latest available financial statements
Current Assets Number Amount of current assets held by the Corporate Counterparty, excluding cash and cash equivalent items as per the latest available financial statements
Cash and Cash Equivalent Items Number Amount of cash and cash equivalent items held by the Corporate Counterparty as per the latest available financial statements
Total Assets Number Amount of total assets held by the Corporate Counterparty as per the latest available financial statements
Net Assets Number Amount of net assets held by the Corporate Counterparty as per the latest available financial statements
Total Liabilities Number Amount of total liabilities held by the Corporate Counterparty on the balance sheet as defined by the applicable accounting standard as per the latest available financial statements
Total Debt Number Amount of total debt held by the Corporate Counterparty as per the latest available financial statements
Market Capitalisation Number Market capitalisation of a listed Corporate Counterparty
Annual Revenue Number Amount of annual revenue held by the Corporate Counterparty as per the latest available financial statements
Annual EBIT Number Amount of annual EBIT held by the Corporate Counterparty as per the latest available financial statements
Financials Audited Boolean Indicator as to whether the financial statements have been audited or not by the Corporate Counterparty
Number of FTE Number Number of full-time employees (or equivalent) working for the Corporate Counterparty as at the last financial reporting date
Date of Last Contact Date Date of last direct contact with the Counterparty
Cross Default for Counterparty Choice Indicator as to whether contractual breach of any loans held by the Counterparty would trigger the default event of any other loans
Description of Cross Default Text Description of cross default when "Partial" is selected in field "Cross Default for Counterparty"
Cross Collateralisation for Counterparty Choice Indicator as to whether all / some of the loans held by the Counterparty are secured by all / some of the collaterals held by the Counterparty
Description of Cross Collateralisation Text Description of cross collateralisation when "Partial" is selected in field "Cross Collateralisation for Counterparty"
Related Party Boolean Indicator as to whether the Counterparty is a related party to the Institution, e.g. Counterparty is an employee of the Institution
Description of Related Party Text Further comments / details on the nature of the relation between the institution and the related party when "Yes" is selected in field "Related Party"
Other Products with Institution Text Other products that the Counterparty holds with the Institution that are not included in the NPL Portfolio
Contingent Obligations Boolean Indicator as to whether the Corporate Counterparty has contingent obligations which will be part of the sale, e.g. the Institution provided a guarantee to a real estate developer on their development
Description of Contingent Obligations Text Description of contingent obligations when "Yes" is selected in field "Contingent Obligations"
Deposit Balance with Institution Number Deposit amount the Counterparty holds with the Institution as defined by annex II, Part two of the ECB BSI Regulation
Currency of Deposit Choice Currency that the deposit held with the Institution is expressed in
Eligibility for Deposit to Offset Boolean Indicator as to whether the deposit held with the Institution can be used to pay down the loan
Counterparty deceased Boolean Indicator as to whether the Private Individual Counterparty has passed away
Name of Insolvency/Restructuring Proceedings Choice Name of any insolvency or restructuring proceedings to which the Counterparty is subject
Additional Name of Insolvency/Restructuring Proceedings Choice Additional name of any insolvency or restructuring proceedings to which the Counterparty is subject
Legal Procedure Type Choice Type of insolvency or restructuring process the counterparty is currently in
Description of Legal Procedure Type Text Description of the legal procedure type when 'Other' is selected in the data field 'Legal Procedure Type'
Commencement Date of Insolvency / Restructuring Proceedings Date Date that the Counterparty commenced Insolvency / Restructuring Proceedings
Stage Reached in Insolvency/Restructuring procedure Choice Stage Reached in Insolvency/Restructuring procedure
Additional Stage Reached in Insolvency/Restructuring procedure Text Additional indication of how advanced the relevant procedure has become as a result of various legal steps in the legal procedure having been completeted
Insolvency Practitioner Appointed Boolean Indicator as to whether an insolvency practitioner has been appointed
Date of Appointment Date Date that the insolvency practitioner was appointed
Name of Insolvency Practitioner Text Name of Insolvency Practitioner
Correspondence address of appointed insolvency practitioner Text Correspondence address of appointed insolvency practitioner
Insolvency Practitioner Reference Text Insolvency Practitioner Reference
Proof of Claim Filed by the seller Boolean Proof of Claim Filed by the seller
Distribution made to the Seller Boolean Indicator as to whether a distribution has been made to the seller
Notice for Procedure Termination Boolean Indicator as to whether the notice of the end of the procedure has been given to the seller
Number of Current Judgements Number Number of outstanding Court Enforcement Orders at the NPL Portfolio Cut-Off Date against the Private Individual Counterparty
Number of Discharged Judgements Number Number of discharged Court Enforcement Orders against the Private Individual Counterparty
Date of Internal Demand Issuance Date Date that a demand notice was sent by the Institution itself
Date of External Demand Issuance Date Date that a demand notice was sent by solicitors who act on behalf of the Institution
Date when Reservation of Rights Letter Was Issued Date Date that the Reservation of Rights Letter was issued by the Institution
Jurisdiction of Court Choice Location of the court where the case is being heard
Indicator of Counterparty Cooperation Boolean Indicator as to whether the Corporate or Private Individual Counterparty is cooperative or not
Date of Obtaining Order for Possession Date Date that the Order for Possession is granted by the court
Eviction Date Date Date that the Counterparty is evicted
Sheriff / Bailiff Acquisition Date Date Date that sheriff / bailiff is acquired by the court
Legal Fees Accrued Number Total amount of legal fees accrued at the NPL Portfolio Cut-Off Date
Comments on Other Litigation Related Process Text Further comments / details if there is other litigation processes in place

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