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 |
Disclaimer
- This text is generated automatically. Do not edit manually!
- This information is provided as is. Refer to the EBA NPL Template for pointers to definitive instructions
