Regulatory Alerts2025-09-05 | A 8320Circular RUNOR 1-1920: Monthly Accounting Information Regime. Minimum Cash and Application of Resources (R.I. - E.M. - A.R.). Adjustments
The Central Bank of the Argentine Republic issued Communication “A” 8320 to update the monthly accounting information regime, minimum cash requirements, and application of resources. The directive mandates financial entities to submit daily and monthly data files with specific requirement codes, submission deadlines, and validation rules. It establishes precise record designs, categorization criteria for different entity types, and a comprehensive error-coding system to ensure accurate calculation of minimum cash obligations and franchise exemptions.
"Year of the Reconstruction of the Argentine Nation" COMMUNICATION “A” 8320 05/09/2025 TO FINANCIAL ENTITIES: Ref.: Circular RUNOR 1-1920: Monthly Accounting Information Regime. Minimum Cash and Application of Resources (R.I. - E.M. - A.R.). Adjustments
We address you regarding Communication “A” 8319 concerning the aforementioned information regime. Accordingly, we enclose the sheets to be incorporated into the consolidated text of Section 6 of “Submission of Information to the Central Bank”. We remain attentive.
CENTRAL BANK OF THE ARGENTINE REPUBLIC Rodrigo J. Danessa Estela M. del Pino Suárez Chief Manager of Information Regime and Information Centers Deputy General Manager of Information Regime and Protection of Financial Services Users ANNEX
6.2. daily information – Peso Currency 6.2.1. General Instructions The information included in this section is of daily frequency and will be recorded in variable-length files containing the data according to the record design inserted in point 6.2.6, taking into account what is stipulated in point 1.2.3.1 of Section 1 of “Submission of Information to the Central Bank”. The aforementioned files must be sent in accordance with point 1.2.2 of Section 1 of “Submission of Information to the Central Bank” for the file transfer service on the exclusive www3 site (MFT). It is noted that this requirement will not allow the “OPERA=FALSE” option in the “DETALLE.XML” file. The validation process results will be available as stipulated in point 1.2.4 of the aforementioned regulations.
6.2.2. At the time of submitting information, in the “DETALLE.XML” file, code 4 will be used to identify this regime and for the requirement code, the following shall apply: Entities “A and Branches or subsidiaries of G-SIB” File “SALDOSPROMEDIO.TXT” - Requirement code 2 It will be submitted on the third business day of each month (single submission) and will contain the monthly average daily balances corresponding to the last day of the previous month, with this latter date being recorded as the information date. File “SALDOSDIARIOS.TXT” - Requirement code 3 It will be submitted daily and will contain the data according to the information model in point 1.10.2 of this regime's procedural rules (NP), with the information date corresponding to the day of the month being reported. File “FRANEM.TXT” - Requirement code 2 It will be submitted on the third business day of each month (single submission) and will contain the data corresponding to the items according to the information model with average balances at the last day of the previous month.
Other Entities File “SALDOSPROMEDIO.TXT” - Requirement code 4 It will be submitted on the 22nd day of each month or the following business day (single submission) and will contain the monthly average daily balances corresponding to the last day of the previous month, with this latter date being recorded as the information date. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 1
File “SALDOSMENSUALES.TXT” - Requirement code 5 It will be submitted on the 22nd day of each month or the following business day (single submission) and will contain the data according to the information model in point 1.10.2 of this regime's procedural rules (NP), for each day of the month, with the information date corresponding to the last day of the month being reported. File “FRANEM.TXT” - Requirement code 4 It will be submitted on the 22nd day of each month or the following business day (single submission) and will contain the data corresponding to the items according to the information model with average balances at the last day of the month being reported. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 2
| Files | Entity Type | Requirement | Submission | Information Date |
|---|---|---|---|---|
| “SALDOSPROMEDIO.TXT”<br>“FRANEM.TXT” | A and G-SIB | 2 | 3rd business day of month “n” | Last day of “n-1” |
| “SALDOSDIARIOS.TXT” | A and G-SIB | 3 | Daily | Day of “n” being reported |
| “SALDOSPROMEDIO.TXT”<br>“FRANEM.TXT” | B / C | 4 | Day 22 of month “n” | Last day of “n-1” |
| “SALDOSMENSUALES.TXT” | B / C | 5 | Day 22 of month “n” | Last day of “n-1” |
6.2.3. Particular instructions for file “SALDOSPROMEDIO.TXT”. One record must be recorded per item –points 1.10.1, 1.10.3 and 1.10.4 of the information model in this regime's procedural rules (NP)–. Items without amounts will not be recorded. Amounts must be reported without a sign. Of the items provided in the NP, only those corresponding to the admitted concepts valid for each period will be accepted, as stipulated in the substantive rules. For items 10120X to 10128X, 10140X to 10144X, 10146X, 10147X, 10160X, 10161X, 10162X, 10163X, 10164X, 10166X, 10171X to 10190X and 11010X, the term segment code defined in point 1.2.3 “Residual terms” of the NP will be recorded in position 6 of the item code field. Totalizer items will not be reported, except in cases where no amounts are registered for included items, in which case item 100000 must be reported with the “Amount” field equal to zero. The total requirement for included obligations (item 907000) will be calculated by the BCRA. For the calculation of the requirement, current requirement rates for period “n” will be applied to the included items from period “n-1”. Additionally, the total minimum cash requirement for the month (item 903000) will be calculated by adding to the previously calculated amount, the value of additional requirements (increases) (903000/M). Item 700000 will be calculated by the BCRA taking into account the instructions in point 1.2.4 of the NP. For determining the computable requirement for the month's position, when the algebraic sum is negative, this amount will be considered an increase in requirement. When the resulting amount is positive, it will be considered a decrease, in which case it will be computed up to the amount reported in item 903000/00001. Entities covered, as established in Section 6. Minimum MiPyME Quota of the consolidated text on Minimum Cash, must report items 871000, 872000 and 873000 even if their balance is equal to zero. The “Category” field will be completed according to the following detail:
| Items | Entities B | Entities C |
|---|---|---|
| Entities Group “A” and “G-SIB” not included in that group | 1XXXXX in pesos (except 100000) | 1 |
| Remaining items in pesos | 0 | 0 |
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 3
6.2.4. Particular instructions for file “SALDOSDIARIOS.TXT”. For each day of the month, one record must be recorded per item –point 1.10.2 of the information model in this regime's procedural rules (NP)–. Items without amounts will not be recorded. Additionally, the accumulated average balance from the beginning of the month until the reported day for item 102200/00001 will be reported in this file. Amounts must be reported without a sign. The “Category” field will be completed with value 0. Totalizer items will not be reported. In cases where no amounts are registered for included items, item 200000 must be reported with the “Amount” field equal to zero. Information corresponding to non-business days must be submitted on the same date as that of the immediate following business day. Each day's information will remain pending processing until the validation of the previous day is verified.
6.2.5. Particular instructions for file “SALDOSMENSUALES.TXT”. One record must be recorded per item –points 1.10.1, 1.10.3 and 1.10.4 of the information model in this regime's procedural rules (NP)–. Items without amounts will not be recorded. Additionally, the accumulated average of item 102200/00001 from the beginning of the month until the reported day will be reported in this file. Amounts must be reported without a sign. The “Category” field will be completed with value 0. Totalizer items will not be reported. In cases where no amounts are registered for included items on any day of the month, item 200000 must be reported with the “Amount” field equal to zero.
6.2.5. Particular instructions for file “FRANEM.TXT”. The required data will be recorded when some franchise items corresponding to the “SALDOSPROMEDIO.TXT” file have been reported. Otherwise, this file will not be submitted. In the “Item Code” field, each of the franchise codes reported in the “SALDOSPROMEDIO.TXT” file will be recorded, providing in this file the detail of number and point of the resolution that gave rise to it, the resulting amount from its application, and its description. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 4
In case the granted franchise consisted of different points, these data must be provided for each of them. If a point's description occupies more than one record, the match between the amount reported in the “SALDOSPROMEDIO.TXT” file and the sum of the amounts corresponding to the same code with Sequence field equal to 01 will be verified. The amount will only be integrated for the first record of each sequence (Sequence field = 01).
6.2.6. Record designs. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 5
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Designation: “SALDOSPROMEDIO.TXT” / “SALDOSDIARIOS.TXT” Sheet 1 of 1
| N° | Field Name | Type (1) | Max Length (1) | Observations |
|---|---|---|---|---|
| 1 | Item Code | Numeric | 6 | “SALDOSPROMEDIO.TXT” according to Information Model points 1.10.1, 1.10.3 and 1.10.4 of this regime's procedural rules (NP).<br>“SALDOSDIARIOS.TXT” Information Model point XXXX |
| 2 | Currency/Species Code | Numeric | 5 | “SALDOSPROMEDIO.TXT”<br>Admitted values = 00001<br>“SALDOSDIARIOS.TXT”<br>Admitted values = 00001/TP |
| 3 | Amount | Numeric | 15 | - |
| 4 | Category | Numeric | 1 | According to point 6.2.3 of these instructions. |
| (1) The delimiter “;” will be used as a field separator. | ||||
| Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 6 |
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Designation: “SALDOSMENSUALES.TXT” Sheet 1 of 1
| N° | Field Name | Type (1) | Max Length (1) | Observations |
|---|---|---|---|---|
| 1 | Item Code | Numeric | 6 | According to Information Model point 1.10.2 of this regime's procedural rules (NP). |
| 2 | Currency/Species Code | Numeric | 5 | Admitted values = 00001/TP |
| 3 | Amount | Numeric | 15 | - |
| 4 | Category | Numeric | 1 | According to point 6.2.3 of these instructions. |
| 5 | Day | Numeric | 2 | Each of the days of the month being reported. |
| (1) The delimiter “;” will be used as a field separator. |
Designation: “FRANEM.TXT”
| N° | Field Name | Type (1) | Max Length (1) | Observations |
|---|---|---|---|---|
| 1 | Resolution/Note No. | Character | 11 | According to point 1.6 of the consolidated text of this regime's procedural rules (NP). |
| 2 | Resolution/Note Date | Numeric | 8 | AAAAMMDD. According to point 1.6 of the consolidated text of this regime's procedural rules (NP). |
| 3 | Point of Resolution | Character | 10 | XX.XX. Record points. |
| 4 | Item Code | Numeric | 6 | According to point 6.2.5 of these instructions. |
| 5 | Currency/Species Code | Numeric | 5 | 00001/ TP |
| 6 | Sequence | Numeric | 2 | (2) |
| 7 | Description | Character | 127 | According to point 6.2.5 of these instructions. |
| 8 | Amount | Numeric | 11 | According to point 6.2.5 of these instructions. |
- The delimiter “;” will be used as a field separator.
- When it refers to the first record of a point from a particular Resolution/Note for each consolidation code, record “01”. If the description (field 10) exceeds the 127 characters provided, supplementary records will be recorded incrementing the sequence number by 1 for each record and integrating all preceding fields to it. NP: procedural rules of this regime. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK Section 6. Minimum cash and application of resources. Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 7
6.2.7. Validation table. 6.2.7.1. Errors applicable to all files
| Code | Legend | Cause |
|---|---|---|
| 01 | FILE “XXXXX.TXT” NOT FOUND | - If it is an entity “A or G-SIB”, the file “SALDOSPROMEDIO.TXT” or “SALDOSDIARIOS.TXT” was omitted to be recorded, or the reported file does not correspond to the record design, or<br>- If it is an entity B or C, the file “SALDOSPROMEDIO.TXT” or “SALDOSMENSUALES.TXT” was omitted to be recorded, or the reported file does not correspond to the record design, or<br>- “OPERA=FALSE” was declared in the “DETALLE.XML” file for the file “XXXXX.TXT”, or<br>- The file “FRANEM.TXT” was omitted to be reported, having been reported in the “SALDOSPROMEDIO.TXT” file some item 6XXXXX. |
| 02 | SUBJECT CODE INCORRECTLY REPORTED | The subject code does not correspond to one authorized for this regime. |
| 03 | INFORMATION DATE INCORRECT OR ADVANCED | - Information corresponding to an existing date was sent, or<br>- A period was reported with the previous one not valid, (Applicable to file “SALDOSPROMEDIO.TXT”) |
| 04 | FORMAT ERROR – RECORD XXX | - The file(s) “XXXXX.TXT” do not respect the instructions provided in point 6.2.6 of these instructions.<br>- The detailed fields were not recorded according to what is established in the record design of point 6.2.6, as detailed below:<br><br>Design |
| 05 | INFORMATION ALREADY SUBMITTED AND ACCEPTED | Information corresponding to a validated period was sent. |
| 06 | CORRECTIVE INFORMATION INCORRECTLY REPORTED | Corrective information corresponding to a non-validated period was sent. |
| 07 | DUPLICATED NOVELTY - FILE “SALDOSPROMEDIO.TXT” | More than one record was reported with the identical combination of Item Code, Currency Code and Category fields.<br>- FILE “SALDOSDIARIOS.TXT”<br>More than one record was reported with the identical combination of Item Code, Currency Code and Category fields.<br>- FILE “SALDOSMENSUALES.TXT”<br>More than one record was reported with the identical combination of Item Code, Currency Code, Category and Day fields.<br>- FILE “FRANEM.TXT”<br>More than one record was reported with the identical combination of Resolution Number, Resolution Point, Item Code, Currency/Species Code and Sequence fields. |
| B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | ||
| Section 6. Minimum cash and application of resources. | ||
| Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 8 |
6.2.7.2. Errors applicable to file “SALDOSPROMEDIO.TXT”
| Code | Legend | Cause |
|---|---|---|
| 101 | ITEM 701000/00001 INCORRECTLY REPORTED | - The amount reported for this item does not match the calculation performed by the BCRA, taking into account what is indicated in point 1.2.4 of the NP, or<br>- Having not reported financing items 808000/00001 or 809000/00001 and 810000/00001, an amount was recorded for this item. |
| 102 | ITEM 702000/00001 INCORRECTLY REPORTED | The amount reported for this item does not match the calculation performed by the BCRA, taking into account what is indicated in point 1.2.4 of the NP. |
| 103 | MISSING REPORT OF ITEM 702000/00001 | Having reported ATM cash withdrawal items (83100X/00001, 83200X/0000, 83300X/00001 and/or 84000X/00001), no amount was recorded for this item. |
| 104 | MISSING REPORT OF ITEM 707000/00001 | Having reported items 817000/00001 and/or 836000/00001 and/or 854000/001 and/or 855000/00001 and/or 856000/00001, no amount was recorded for this item. |
| 105 | ITEM 707000/00001 INCORRECTLY REPORTED | The amount reported for this item does not match the calculation performed by the BCRA, taking into account what is indicated in point 24 of Section 4 of the NP, or exceeds the maximum limit provided. |
| 106 | MISSING REPORT OF ITEM 817000/00001 OR 836000/00001 OR 854000/00001 OR 855000/00001 OR 856000/00001 | Having reported item 707000/00001, items 817000/00001, 836000/00001, 854000/00001, 855000/00001, and 856000/00001 were not reported. |
| 107 | INCONSISTENCY IN 12-MONTH AVERAGE FINANCING ITEMS | The sum of items 808000/00001 and 809000/00001 is greater than the amount registered in item 810000/00001. |
| 108 | ITEM 708000/00001 INCORRECTLY REPORTED | - The amount reported for this item does not match the calculation performed by the BCRA, taking into account what is indicated in point 21 of Section 4 of the NP, or<br>- Having not reported financing items 81200/00001 or 813000/00001, an amount was recorded for this item. |
| 109 | ITEM 710000/00001 INCORRECTLY REPORTED | - The amount reported for this item does not match the calculation performed by the BCRA, taking into account what is indicated in point 21 of Section 4 of the NP, or<br>- Having not reported financing items 814000/00001, 828000/00001 or 829000/00001, an amount was recorded for this item. |
| 110 | ITEM 711000/00001 INCORRECTLY REPORTED | - The amount reported for this item does not match the calculation performed by the BCRA, taking into account what is indicated in point 21 of Section 4 of the NP, or<br>- Having not reported financing items 816000/00001, 834000/00001, 835000/00001 or 838000/001, an amount was recorded for this item. |
| 111 | ITEM 713000/00001 INCORRECTLY REPORTED | The amount reported for this item does not match the calculation performed by the BCRA, taking into account points 18 to 20 of Section 4 of the NP for periods 202201, 202204 and 202207 respectively, and 26 from 202501. |
| 112 | MISSING REPORT OF ITEM 837000/00001 | Having reported item 713000/00001, item 837000/00001 was not reported. |
| 113 | MISSING REPORT OF ITEM 841000/00001 | Having reported item 714100/00001, item 841000/00001 was not reported. |
| 114 | ITEM 714100/00001 INCORRECTLY REPORTED | The amount reported for the indicated item exceeds the maximum permitted limit, as established in point 26 of the NP. |
| 115 | MISSING REPORT OF ITEM 715000/00001 | Having reported item 853000/00001, item 715000/00001 was not reported. |
| 116 | ITEM 715000/00001 INCORRECTLY REPORTED | - The amount reported for this item does not match the calculation performed by the BCRA, taking into account what is indicated in point 21 of Section 4 of the NP.<br>- Having not reported item 853000/00001, an amount was recorded for this item. |
| 117 | MISSING REPORT OF ITEM 87X000/00001 | For an entity covered by Section 6 of the Minimum Cash Rules, some items 87X000/00001 were omitted to be reported. |
| 118 | MISSING REPORT OF ITEM 861000/00001 | Having reported item 714500/00001, item 861000/00001 was not reported. |
| 119 | ITEM 714500/00001 INCORRECTLY REPORTED | The amount reported for the indicated item exceeds the maximum permitted limit, as established in point 26 of the NP. |
| 120 | ITEM 760000/00001 INCORRECTLY REPORTED (VALIDITY UNTIL 11/2025) | - An amount was reported for this item without an excess being registered in the position, or<br>- The reported amount exceeds the limit provided for the period. |
| B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | ||
| Section 6. Minimum cash and application of resources. | ||
| Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 9 |
6.2.7.3. Errors applicable to file “SALDOSDIARIOS.TXT”
| Code | Legend | Cause |
|---|---|---|
| 201 | INCONSISTENCY IN ITEMS 21010X | The sum of the amounts reported for items 21010X/TP is greater than the sum of the amounts reported in items 824X00/001, 825000/001 plus 45% of the amount of item 102200/001. |
| B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | ||
| Section 6. Minimum cash and application of resources. | ||
| Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 10 |
6.2.7.4. Errors applicable to file “SALDOSMENSUALES.TXT”
| Code | Legend | Cause |
|---|---|---|
| 301 | INCONSISTENCY IN ITEMS 21010X | The sum of the amounts reported for items 21010X/TP is greater than the sum of the amounts reported in items 824X00/001, 825000/001 plus 45% of the amount of item 102200/001. |
| 302 | MISSING REPORT OF DAY XX | No integration item was reported for the indicated day. (Not applicable when item 200000 is reported equal to zero). |
| B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | ||
| Section 6. Minimum cash and application of resources. | ||
| Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 11 |
6.2.7.5. Errors applicable to file “FRANEM.TXT”
| Code | Legend | Cause |
|---|---|---|
| 401 | LACK OF CORRESPONDENCE BETWEEN FRANCHISE ITEMS | The sum of the amounts recorded in the Sequence field equal to 01, corresponding to each consolidation code, does not match the total reported in “SALDOSPROMEDIO.TXT”. |
| B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | ||
| Section 6. Minimum cash and application of resources. | ||
| Version: 1st COMMUNICATION “A” 8320 Validity: 01/08/2025 Page 12 |