Appendix No. 1 to Instruction No. 256 on the Procedure, Deadlines and Volume of Information Provided by Credit Bureaus to the National Bank of Tajikistan

General Information on Management Bodies
Composition of Shareholders of the Credit Bureau (hereinafter – CB) Full Name. Place of Work. Position Composition of the CB Supervisory Board Full Name. Place of Work. Position CB Executive Body Full Name. Place of Work. Position Heads of Relevant Structural Departments of the CB Full Name. Place of Work. Position

Appendix No. 2 to Instruction No. 256 on the Procedure, Deadlines and Volume of Information Provided by Credit Bureaus to the National Bank of Tajikistan

Information on Credit Bureau Activities
CB Name:
Reporting Period: From Year/Month/Day _____// To Year/Month/Day _____// Brief Description of Activities Description of CB activities for the reporting period. The information must contain only the most significant achievements in the Credit Bureau's work and include separate sections addressing the following questions:

status of technological solutions and their changes;
periods of service suspension and reasons;
technical issues in CB operations;
complete data on backup procedures;
location of backup servers (if any);
special measures taken in case of emergencies (in the form of a plan, regulation, etc.);
conditions for continuous operations in the event of unforeseen or emergency circumstances;
activities regarding data exchange with CB service providers/users, including a description of arising issues;
technological solution changes planned for the next 6–12 months;
requests and issues reviewed in coordination with the National Bank of Tajikistan;
information requests submitted by other companies that are not regulated financial organizations;
other matters.
Signatures of Responsible Persons

Head: 2) Chief Accountant

Information on Requested and Provided Data (Volume)
Months (each month of the quarter)
Regulated Credit Financial Organizations Providing Data, Including:

banks
non-bank credit organizations
microcredit deposit organizations
microcredit organizations
microcredit funds
others
Credit Contracts Received Monthly
credit financial organizations, including:
banks
non-bank credit organizations
microcredit deposit organizations
microcredit organizations
microcredit funds
others
Requests Provided on a Monthly Basis
credit financial organizations, including:
banks
non-bank credit organizations
microcredit deposit organizations
microcredit organizations
microcredit funds
others

Total Quantity of Requested Data
Requests for Personal Credit History:

number of credit history subjects' requests issued free of charge
number of credit history subjects' requests issued for a fee
Client Complaints Regarding Personal Credit History:
number of complaints received from credit history subjects
number of credit history subjects' complaints resolved in favor of the subjects – changes to records
number of credit history subjects' complaints resolved in favor of regulated credit financial organizations – no changes to records
number of unresolved credit history subjects' complaints

Overview of Activities with Regulated Credit Financial Organizations
Month:______
| Name of Credit Financial Organization | Date Agreement Signed | Quantity of New Records for Physical Persons (Data Transferred) | Quantity of New Records for Legal Entities (Data Transferred) | Total Quantity of Transferred Records | Total Quantity of Received Requests | Notes |
|---|---|---|---|---|---|---|
| | | Physical Persons | Legal Entities | | | |
Note: The quantity of new borrowers refers to the number of new borrowers or the total number of borrowers and/or newly associated borrowers.

Data Provided by Regulated Credit Financial Organizations Using CB Services
Month:________
| Name of Credit Financial Organization | New Subjects (Data Transferred) | Quantity of Errors | Quantity of Records (Contracts Transferred to CB) |
|---|---|---|---|
Requests Provided by Regulated Credit Financial Organizations Using CB Services
Month:______
| Name of Credit Financial Organization | Type 1 Requests | Type 2 and Other Requests | Total Quantity of Requests | Requests with Data Issued | Share of Requests with Data Issued |
|---|---|---|---|---|---|
Description:
Type 1 Requests: For example, standard credit information Type 2 and Other Requests: For example, extended credit information

Breakdown of Information by Borrowers/Physical Persons (Individual Entrepreneurs) and Borrowers/Legal Entities
Month:______
| Name of Financial Organization | Borrowers/Physical Persons (Data Transferred) | Borrowers/Physical Persons (Data Requested) | Borrowers/Legal Entities (Data Transferred) | Borrowers/Legal Entities (Data Requested) |
|---|---|---|---|---|
Data Provided by Financial Organizations Using CB Services, with Breakdown by Borrowers/Physical Persons and Individual Entrepreneurs and Borrowers/Legal Entities
Month:________
Note: The statistical data and forms presented above focus on initial-stage data submission and requests. The second phase is based on reporting data for market monitoring and prudential risk identification (institutional risk determination). This requires a different set of reporting data and must include reports on the types of loans/financing issued, the profile of issued loans/financing (e.g., contract amounts and repayment terms), geographic distribution of loans/financing, and client risk classification (among others). Such statistics are provided both in aggregate and per organization. They must be structured to allow trend tracking.
| Name of Financial Organization | Loans/Financing, Financial Leasing and Overdraft | | |
| --- | --- | --- | --- |
| | By Credit Financial Organizations | By CB | Percentage of Discrepancies |

Appendix 3 to Instruction No. 256 on the Procedure, Deadlines and Volume of Information Provided by Credit Bureaus to the National Bank of Tajikistan

VOLUME OF INFORMATION PROVIDED BY FINANCIAL ORGANIZATIONS TO CB
Details of the Credit Financial Organization Providing Information Name of Credit Financial Organization:
Address:
Full Name of the Person Providing Information:
Email Address:
Contact Phone Number:
Date of Information Submission:
Composition of Data Required for Submission
| Date | Is an Agreement for Credit Information Exchange Signed with a Licensed CB? |
|---|---|
| | Date of Agreement Signing: |
Quantity of Credit Information Provided to the CB over the Last Quarter (broken down by month), indicating:

month of document submission;
number of data subjects;
quantity of credit information provided during the reporting month.

Quantity of the Following Information by Credit Financial Organization:

data subjects in the current quarter;
data subjects in exchange with the organization as of the last day of the reporting quarter¹;
quantity of credit contracts actually concluded in the current quarter (broken down by month);
quantity of active credit contracts for the organization as of the last day of the reporting quarter²;
quantity of closed credit contracts for the organization as of the last day of the reporting quarter.
Rejection Rate for Current Quarter
Quantity of Credit Applications Received During the Quarter Quantity of Approved Credit Applications Information on Quantity of Requests Submitted During the Quarter (broken down by month)³

¹ If data on the actual number of subjects per month and in total for the organization differs by more than 10% from the number of subjects provided to the CB, written explanations must be attached in the form of an explanatory note, which is an integral part of these reports. ² If data on the actual number of open credit contracts for the organization differs by more than 10% from the information provided to the CB, written explanations must be attached in the form of an explanatory note, which is an integral part of these reports. ³ If a discrepancy exceeding 10% is identified in any month between the quantity of requested information and the quantity of approved or renewed credit agreements at the financial organization, written explanations for such discrepancy must be included in the reports.

Appendix 4 to Instruction No. 256 on the Procedure, Deadlines and Volume of Information Provided by Credit Bureaus to the National Bank of Tajikistan

Volume of Information on the Credit Market
CB BANK DETAILS
Name of Registered Entity:
Registration Number:
Full Name of the Person Filling This Form:
Email Address:
Contact Phone Number:
Date of Submission:
Information Provided for the Following Years:
Information Provided for the Following Quarters:
CREDIT INFORMATION: USERS (CREDIT FINANCIAL ORGANIZATIONS)
As of the End of the Reporting Period
2.1. Total Quantity of Physical Persons Registered in the CB System
During the Reporting Period
2.1.1. Physical Persons with Good Credit Standing
2.1.2. Physical Persons with Inactive Loans/Financing – Payment Delays from 1 Day to 3 Months
2.1.3. Physical Persons with Inactive Loans/Financing – Payment Delays from 3 to 6 Months
2.1.4. Physical Persons with Inactive Loans/Financing – Payment Delays from 6 to 12 Months
2.1.5. Physical Persons with Inactive Loans/Financing – Payment Delays Exceeding 12 Months
2.1.6. Physical Persons with Poor Credit Standing and Insolvency Established by Court Order (e.g., Bankruptcy)
CREDIT INFORMATION: LEGAL ENTITIES
As of the End of the Reporting Period
3.1. Total Quantity of Legal Entities Registered in the CB System
During the Reporting Period
3.1.1. Legal Entities with Credit Accounts without Negative Information
3.1.2. Legal Entities with Poor Credit Standing – Payment Delays from 1 Day to 3 Months
3.1.3. Legal Entities with Poor Credit Standing – Payment Delays from 3 to 6 Months
3.1.4. Legal Entities with Poor Credit Standing – Payment Delays from 6 to 12 Months
3.1.5. Legal Entities with Poor Credit Standing – Payment Delays Exceeding 12 Months
3.1.6. Legal Entities Subject to Court Orders (e.g., Bankruptcy)
CREDIT INFORMATION: PHYSICAL PERSONS
As of the End of the Reporting Period
4.1. Total Quantity of Physical Persons Registered in the CB System
During the Reporting Period
4.1.1. Physical Persons with Credit Accounts without Negative Information
4.1.2. Physical Persons with Poor Credit Standing – Payment Delays from 8 Days to 1 Month
4.1.3. Physical Persons with Poor Credit Standing – Payment Delays from 1 to 2 Months
4.1.4. Physical Persons with Poor Credit Standing – Payment Delays from 2 to 3 Months
4.1.5. Physical Persons with Poor Credit Standing – Payment Delays Exceeding 3 Months
4.1.6. Physical Persons with Poor Credit Standing Subject to Court Orders Equivalent to Bankruptcy
CREDIT INFORMATION: LEGAL ENTITIES (OTHER ORGANIZATIONS)
As of the End of the Reporting Period
5.1. Total Quantity of Legal Entities Registered in the CB System
During the Reporting Period
5.1.1. Legal Entities with Credit Accounts without Negative Information
5.1.2. Legal Entities with Poor Credit Standing – Payment Delays from 8 Days to 1 Month
5.1.3. Legal Entities with Poor Credit Standing – Payment Delays from 1 to 2 Months
5.1.4. Legal Entities with Poor Credit Standing – Payment Delays from 2 to 3 Months
5.1.5. Legal Entities with Poor Credit Standing – Payment Delays Exceeding 3 Months
5.1.6. Legal Entities with Poor Credit Standing Established by Court Orders Equivalent to Bankruptcy
ACCESS OF PHYSICAL AND LEGAL PERSONS TO THEIR CREDIT INFORMATION
During the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
6.1. Total Quantity of Credit Information Provided Free of Charge
6.2. Total Quantity of Credit Information Provided for a Fee
INFORMATION ON DISPUTE RESOLUTION
During the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
7.1. Total Quantity of Credit Information Requests Received from the CB
7.2. Total Quantity of All Calls, Requests, and Disputes Regarding CB Information
7.3. Total Quantity of Officially Registered Calls/Requests/Disputes Regarding the CB
Dispute Resolution Concerning Credit Information
7.4. Quantity of Open Cases at the Start of the Quarter
7.5. (+) New Disputes Arising During the Quarter and Officially Registered (= 7.3)
7.6. (-) Minus Resolved Disputes (Total must equal the sum of 7.8 and 7.9)
7.7. (=) Unresolved Disputes at the End of the Quarter
From 7.6, specify:
7.8. Total Quantity of Resolved Disputes in Favor of the Applicant (Total must equal the sum of 7.8.1 and 7.8.4)
7.8.1. Total Quantity of Disputes Resolved by the CB
7.8.2. Total Quantity of Disputes Not Resolved by Credit Financial Organizations
7.8.3. Total Quantity of Disputes Resolved by Other Parties (courts, National Bank of Tajikistan, others)
7.8.4. Total Quantity of Resolved Disputes (Cases with No Response Received Within 20 Days)
7.9. Total Quantity of Resolved Disputes Without Changes to Credit History
7.10. Provide a list of the most serious disputes for each month of the last quarter on a separate page
7.11. Provide a list and quantity of complaints from all data providers for each month of the last quarter on a separate page
ACTIVITY IN THE CREDIT/FINANCING MARKET (Banks)
| Physical Persons | Legal Entities |
|---|---|
8.1. Quantity of Credit Accounts/Financing at the End of the Previous Reporting Period
8.2. Quantity of Credit Accounts/Financing Opened During the Current Quarter
8.3. Quantity of Credit Accounts/Financing Closed During the Current Quarter
8.4. Quantity of Credit Accounts/Financing at the End of the Current Reporting Period
Debt Analysis for Banks
The following information relates to the total quantity of accounts and includes, in particular, third-party accounts.
| Physical Persons | Legal Entities |
|---|---|
8.5. Accounts That Are Only Credit Accounts/Financing
8.6. Accounts with Payment Delays on Loans/Financing from 1 Day to 3 Months
8.7. Accounts with Payment Delays on Loans/Financing from 3 to 6 Months
8.8. Accounts with Payment Delays on Loans/Financing from 6 to 12 Months
8.9. Accounts with Payment Delays on Loans/Financing Exceeding 12 Months
The following accounts are included in the total quantity of accounts based on court orders and deteriorating status.
| Physical Persons | Legal Entities |
|---|---|
8.10. Quantity of Court Orders at the End of the Reporting Period
8.11. New Court Orders Issued During the Reporting Period
8.12. Quantity of Other Court Orders at the End of the Reporting Period (Bankruptcy)
Debt Analysis for Non-Bank Financial Organizations (NBFIs)
8.13. Quantity of Credit Accounts/Financing at the End of the Previous Reporting Period
8.14. Quantity of Credit Accounts/Financing Opened During the Quarter
8.15. Quantity of Credit Accounts/Financing Closed During the Quarter
8.16. Quantity of Credit Accounts/Financing at the End of the Current Reporting Period
Loan/Financing Analysis for NBFIs
The following information is included in the total quantity of accounts, including third-party accounts.
| Physical Persons | Legal Entities |
|---|---|
8.17. Accounts That Are Only Credit Accounts/Financing
8.18. Accounts with Payment Delays on Loans/Financing from 8 Days to 1 Month
8.19. Accounts with Payment Delays on Loans/Financing from 1 to 2 Months
8.20. Accounts with Payment Delays on Loans/Financing from 2 to 3 Months
8.21. Accounts with Payment Delays on Loans/Financing Exceeding 3 Months
The following accounts are included in the total quantity of accounts based on court orders and deteriorating status.
| Physical Persons | Legal Entities |
|---|---|
8.22. Quantity of Court Orders at the End of the Reporting Period
8.23. New Court Orders Issued During the Reporting Period
8.24. Quantity of Other Court Orders at the End of the Reporting Period (Bankruptcy)
PRODUCT BREAKDOWN (Banks)
As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
9.1 Mortgage Accounts
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Tajikistani Somoni c) Total Gross Unpaid Loan/Financing Balance in Somoni d) Quantity of Accounts Without Payment Delays e) Quantity of Accounts with Payment Delays from 1 Day to 3 Months f) Quantity of Accounts with Payment Delays from 3 to 6 Months g) Quantity of Accounts with Payment Delays from 6 to 12 Months h) Quantity of Accounts with Payment Delays Exceeding 12 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
9.2 Overdraft Accounts
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Payment Delays e) Quantity of Accounts with Payment Delays from 1 Day to 3 Months f) Quantity of Accounts with Payment Delays from 3 to 6 Months g) Quantity of Accounts with Payment Delays from 6 to 12 Months h) Quantity of Accounts with Payment Delays Exceeding 12 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
9.3 Unsecured Loan Accounts
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Loan Delays e) Quantity of Accounts with Payment Delays from 1 Day to 3 Months f) Quantity of Accounts with Payment Delays from 3 to 6 Months g) Quantity of Accounts with Payment Delays from 6 to 12 Months h) Quantity of Accounts with Payment Delays Exceeding 12 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
9.4 Installment Credit Lines/Financing
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Loan/Financing Delays e) Quantity of Accounts with Payment Delays from 1 Day to 3 Months f) Quantity of Accounts with Payment Delays from 3 to 6 Months g) Quantity of Accounts with Payment Delays from 6 to 12 Months h) Quantity of Accounts with Payment Delays Exceeding 12 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
9.5 Total Consumer Loans
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Loan Delays e) Quantity of Accounts with Payment Delays from 1 Day to 3 Months f) Quantity of Accounts with Payment Delays from 3 to 6 Months g) Quantity of Accounts with Payment Delays from 6 to 12 Months h) Quantity of Accounts with Payment Delays Exceeding 12 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
9.6 Other Credit/Financing Services
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Loan/Financing Delays e) Quantity of Accounts with Payment Delays from 1 Day to 3 Months f) Quantity of Accounts with Payment Delays from 3 to 6 Months g) Quantity of Accounts with Payment Delays from 6 to 12 Months h) Quantity of Accounts with Payment Delays Exceeding 12 Months i) Quantity of Accounts Without Updates Received During the Reporting Period
PRODUCT BREAKDOWN NBFIs
As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
10.1 Mortgage Accounts
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Payment Delays e) Quantity of Accounts with Payment Delays from 8 Days to 1 Month f) Quantity of Accounts with Payment Delays from 1 to 2 Months g) Quantity of Accounts with Payment Delays from 2 to 3 Months h) Quantity of Accounts with Loan Delays Exceeding 3 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
10.2 Secured Loan/Financing Accounts
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Payment Delays e) Quantity of Accounts with Payment Delays from 8 Days to 1 Month f) Quantity of Accounts with Payment Delays from 1 to 2 Months g) Quantity of Accounts with Payment Delays from 2 to 3 Months h) Quantity of Accounts with Payment Delays Exceeding 3 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
10.3 Overdraft Accounts
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Payment Delays e) Quantity of Accounts with Payment Delays from 8 Days to 1 Month f) Quantity of Accounts with Payment Delays from 1 to 2 Months g) Quantity of Accounts with Payment Delays from 2 to 3 Months h) Quantity of Accounts with Payment Delays Exceeding 3 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
10.4 Unsecured Loan/Financing Accounts
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni c) Total Gross Unpaid Balance in Somoni d) Quantity of Accounts Without Payment Delays e) Quantity of Accounts with Payment Delays from 8 Days to 1 Month f) Quantity of Accounts with Payment Delays from 1 to 2 Months g) Quantity of Accounts with Payment Delays from 2 to 3 Months h) Quantity of Accounts with Payment Delays Exceeding 3 Months i) Quantity of Accounts Without Updates Received During the Reporting Period As of the End of the Reporting Period
| Physical Persons | Legal Entities |
|---|---|
10.5 Installment Credit Lines/Financing
a) Quantity of Active/Open Accounts b) Total Gross Periodic Payment in Somoni