Circular No. 2.756

CIRCULAR N. 002756 ------------------ Establishes procedures for the monthly submission of information relating to clients, with a view to implementing the Central Credit Risk system. The Collegiate Board of the Central Bank of Brazil, having regard to the provisions of art. 2 of Resolution No. 2.390 of 22.05.97, D E C I D E D: Art. 1 With a view to implementing the provisions of art. 1 of Resolution No. 2.390 of 22.05.97, the individual and legal entity clients whose total operations on the reference date is equal to or greater than R$50,000.00 (fifty thousand reais) must be listed in descending order of the amounts of the operations for which they are responsible - including therein the guarantees of which they are beneficiaries. Paragraph 1 With respect to the other clients whose total operations on the reference date is less than R$ 50,000.00 (fifty thousand reais) - for whom identification is waived - only the consolidated global amount of the operations must be reported, separating the liabilities of individuals and legal entities. Paragraph 2 The information in question must be submitted as from the reference date of 30.06.97, covering: I - the identification of the client; II - the amount of debts falling due, overdue and written off as a loss, for which the client is responsible; III - the amount of the co-obligations assumed and guarantees provided to the client. Art. 2 The provision of the information referred to in the preceding article must be made in accordance with the instructions contained in the attached document, observing the following coding of the Document Catalogue - CADOC: SEGMENT CADOC CODE Development or Promotion Agencies 05.1.3.003-0 Commercial Banks 20.1.3.188-7 Development Banks 22.1.3.159-3 Investment Banks 24.1.3.472-5 Multiple Banks 26.1.3.256-7 BNDES 28.0.3.065-0 State Savings Banks 36.1.3.252-6 Federal Savings Bank 38.0.3.254-5 Mortgage Companies 39.1.3.030-5 Leasing Companies 77.1.3.161-0 Credit, Financing and Investment Companies 81.1.3.162-0 Real Estate Credit Companies 83.1.3.251-7 Art. 3 As from the reference date of 31.12.97, the institutions mentioned in art. 1 of Resolution No. 2.390 of 22.05.97 must submit to the Central Bank of Brazil the information mentioned in art. 1 of this Circular, organized by economic conglomerate, in accordance with the institution's own classification, in the form to be defined in due course. Art. 4 The information referred to in this Circular must be provided monthly to the Central Bank of Brazil by the 10th day of the month following the reference date to which it refers. Sole paragraph. Exceptionally, the information relating to the reference date of 30.06.97 may be provided by 31.07.97. Art. 5 The institutions must inform the Regional Office of the Central Bank of Brazil to which they are subject, and keep permanently updated, the name, CPF and telephone number of the director responsible for providing the information. Art. 6 Failure to comply with the provisions of this
Circular shall subject the offending institution to the payment of a fine, in accordance with Resolution No. 2.194 of 31.08.95. Art. 7 This Circular enters into force on the date of its publication. Brasília, 22 May 1997 Alkimar Ribeiro Moura Cláudio Ness Mauch Director Director Carlos Eduardo T. de Andrade Director ANNEX TO CIRCULAR NO. 2756 OF 22/05/97 The operations for which clients are responsible to be considered for the purposes of providing the information in question are those recorded in the following COSIF account headings: CODE TITLE 1.6.0.00.00-1 Credit Operations 1.7.0.00.00-0 Leasing Operations 1.8.1.00.00-2 Honored Guarantees and Sureties 1.8.8.20.00-7 Credits arising from Export Contracts 1.8.8.35.00.9 Debtors for Purchase of Securities and Assets 1.8.8.80.00-9 Securities and Credits Receivable 1.8.8.90.00-6 Sundry Debtors - Abroad 1.8.8.92.00-4 Sundry Debtors - Country 1.8.9.00.00-6 Other Credits in Liquidation 3.0.1.10.00-1 Credits Opened for Import 3.0.1.15.00-6 Credits Opened for Import - Floating Rates 3.0.1.20.00-8 Confirmed Export Credits 3.0.1.30.30-4 Beneficiaries of Guarantees Provided - Non-Financial Individuals or Legal Entities 3.0.1.30.90-2 Beneficiaries of Guarantees Provided - Other 3.0.1.90.00-7 Beneficiaries of Other Co-obligations 3.0.9.60.00-0 Credits Written Off as a Loss 4.9.2.36.00-0 Advances on Exchange Contracts 4.9.2.48.00-5 Advances on Exchange Contracts - Floating Rates. With respect to leasing operations, code 1.7.0.00.00-0, the present value of the leasing contract must be reported, determined in accordance with COSIF 1.11.8.5, understood as the installments and the guaranteed residual value, less advances. The layouts described below are usable in generating files containing document 3010 - Debtors of the National Financial System with the requested information. Each file consists of a first identification record, one or more data records and a final control record, whose layouts can be consulted in Sisbacen, through transaction PDIC600. The numeric fields: a) must be reported in external decimal format ('DISPLAY'); b) must be right-aligned and padded with leading zeros; c) in the case of values comprising a fractional part, the decimal point is implicit, with two decimal places established in the last two positions; d) in the case of absence of information, fill with zeros. The alphanumeric fields: a) must be left-aligned and padded with blanks on the right; b) in the case of absence of information, fill with blanks. Regardless of the retention of the data that gave rise to the information, the institutions must keep, for a minimum period of 30 days, a copy of the data provided in magnetic medium, so that it is possible to promptly restore the original content, if necessary. The institutions connected to SISBACEN in the TCU-TCU mode and users of IBM's NFTP (Netview File Transfer Program) software must contact the Central Bank of Brazil/Department of Information Technology (DEINF/DITEC), telephones
(061) 414-2130 and 414-2574, to define and adjust the transmission parameters. The other institutions must obtain, as of 30.06.97, from the Regional Offices, the PDEVW10 program, executable in a Windows 3.1 or higher environment, intended for data encryption and generation of the file on diskette, which includes the installation and use instructions in the LEIAME.TXT file. The diskette(s) must be delivered containing the file generated by the PDEVW10 program, at the Regional Offices with an external label containing the following information: a) CGC of the sending entity; b) name of the sending entity; c) name of the subsystem ('DEVEDORES'); d) document code ('3010'); e) base date of the data; f) date of shipment. Any doubts may be clarified by the Regional Computer Service Centers and, at the Headquarters, by DEINF/DIVOP, telephone (061) 414-2157. Identification Record (code LDEV0001): -------------------------------------------------------------------- Field | from | to | Picture | Content -------------------------------------------------------------------- Identification | 01 | 01 | X(01) | '#'(hexadecimal value '23' in of the record | | | | ASCII, and '7B' in EBCDIC) | 02 | 02 | X(01) | 'A'(letter A) | 03 | 03 | 9(01) | 1 (digit 1) -------------------------------------------------------------------- Document | 04 | 07 | 9(04) | 3010 code | | | | -------------------------------------------------------------------- CGC of the | 08 | 21 | 9(14) | CGC of the reporting institution institution | | | | with 14 digits -------------------------------------------------------------------- Identification | 22 | 29 | X(08) | 'SISBACEN' (will contain the word | | | | SISBACEN) -------------------------------------------------------------------- Date of | 30 | 37 | 9(08) | day, month and year - format movement | | | | DDMMYYYY -------------------------------------------------------------------- -------------------------------------------------------------------- Flag | 38 | 38 | X(01) |-'T'(letter T), in the case of a file | | | |transmitted through NFTP; | | | |-'D'(letter D), in the case of a file | | | |on diskette -------------------------------------------------------------------- Filler | 39 | 190 | X(152) | -------------------------------------------------------------------- Sequential | 191 | 197 | 9(07) | sequential number of the record | | | | will contain 0000001 in the | | | | identification record -------------------------------------------------------------------- Data records (code LDEV0002): -------------------------------------------------------------------- Field | from | to | Picture | Content -------------------------------------------------------------------- CGC/CPF of | 01 | 11 | 9(11) |CGC, with 8 digits, or CPF, with the client | | | |11 digits, or 99999999999 for | | | |the consolidated of CPF or CGC -------------------------------------------------------------------- CGC/CPF | 12 | 12 | 9(01) |-1(digit 1), in the case of CGC
Indicator | | | |-2(digit 2), in the case of CPF | | | |-3(digit 3), in the case of con- | | | |solidated of legal entities | | | |(individual values less | | | |than R$50,000.00) | | | |-4(digit 4), in the case of con- | | | |solidated of natural persons | | | |(individual values less | | | |than R$50,000.00) -------------------------------------------------------------------- Past-due debt | 13 | 29 | 9(17) |consolidated amount, in reais, up to 180 | | | |of the client's future transactions days | | | | -------------------------------------------------------------------- Past-due debt | 30 | 46 | 9(17) | idem from 180 to | | | | 360 days | | | | -------------------------------------------------------------------- Past-due debt | 47 | 63 | 9(17) | idem above | | | | 360 days | | | | -------------------------------------------------------------------- Overdue debt| 64 | 80 | 9(17) |updated amount, in reais, of up to 60 days | | | |overdue transactions, including | | | |those recorded in credits in | | | |liquidation -------------------------------------------------------------------- Overdue debt| 81 | 97 | 9(17) | idem above 60 | | | | up to 180 days | | | | -------------------------------------------------------------------- Overdue debt| 98 | 114 | 9(17) | idem above 180 | | | | up to 360 days | | | | -------------------------------------------------------------------- -------------------------------------------------------------------- Overdue debt | 115 | 131 | 9(17) | idem above 360 | | | | days | | | | -------------------------------------------------------------------- Credits written off| 132 | 148 | 9(17) |updated amount, in reais, as loss in the | | | |as of the base date, of transactions fiscal year | | | |recorded in credits written | | | |off as loss -------------------------------------------------------------------- Credits written off| 149 | 165 | 9(17) | idem as loss in the | | | | previous fiscal | | | | year | | | | -------------------------------------------------------------------- Co-obligations and | 166 | 182 | 9(17) |updated amount of guarantees risks assumed | | | |provided, maturing and overdue of | | | |and not honored -------------------------------------------------------------------- Risk category | 183 | 183 | 9(01) |fill with 9 | | | | -------------------------------------------------------------------- Filler | 184 | 190 | X(07) | -------------------------------------------------------------------- Sequential | 191 | 197 | 9(07) | -------------------------------------------------------------------- Final Control Record (code LDEV0003): -------------------------------------------------------------------- Field | from | to | Picture | Content -------------------------------------------------------------------- Identification | 01 | 01 | X(01) | '@' (hexadecimal value '40' in the record | | | | ASCII, and '7C' in EBCDIC) | 02 | 02 | 9(01) | 1 (digit 1)
-------------------------------------------------------------------- Document code | 03 | 06 | 9(04) | 3010 -------------------------------------------------------------------- CGC of the | 07 | 20 | 9(14) | CGC of the reporting institution institution | | | | with 14 digits -------------------------------------------------------------------- Identification | 21 | 28 | X(08) | 'SISBACEN' (will contain the word | | | | SISBACEN) -------------------------------------------------------------------- Records stored | 29 | 35 | 9(07) | Total number of records stored in the in the file | | | | file, including the control | | | | records -------------------------------------------------------------------- Filler | 36 | 190 | X(155) | -------------------------------------------------------------------- Sequential | 191 | 197 | 9(07) | sequential number of the record --------------------------------------------------------------------