Circular No. 2.768

CIRCULAR N. 002768 ------------------ Establishes procedures for the monthly remittance of information relating to clients, with a view to implementing the Central Credit Risk system. The Collegiate Board of the Central Bank of Brazil, in a session held on 16.07.97, 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 The institutions mentioned in art. 1 of Resolution No. 2.390, of 22.05.97, with a view to executing the provisions of that normative, must list the amounts of operations for which their clients, individuals and legal entities, are responsible, whose total, on the base date, is equal to or greater than R$50,000.00 (fifty thousand reais) and the amounts of operations for which they are responsible - including therein the guarantees of which said clients are beneficiaries. Paragraph 1 With respect to the other clients whose total respective operations, on the base date, is less than R$50,000.00 (fifty thousand reais) - for which identification is waived -, only the consolidated global amount of the operations must be reported, segregating the liabilities of individuals and legal entities. Paragraph 2 The information must include: I - the identification of the client; II - the amount of debts falling due, overdue and written off as loss, for which the client is responsible; III - the amount of co-obligations assumed and guarantees provided to the client. Art. 2 The provision of the information referred to in the previous article must be made in accordance with the instructions contained in the attached document, observing the following coding of the Document Catalog - CADOC: SEGMENT CADOC CODE Development or Promotion Agencies 05.1.3.003-0 Savings and Loan Associations 12.1.3.252-6 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 The information referred to in this Circular provided monthly to the Central Bank of Brazil, as from the base date of 30.06.97, by the 20th day of the month following the base date to which they refer, may, exceptionally, be provided: I - that relating to the base date of 30.06.97, by 31.08.97; II - that relating to the base date of 31.07.97, by 15.09.97; III - that relating to the base date of 31.08.97, by 30.09.97. Art. 4 As from the base date of 31.12.97, the institutions mentioned in art. 1 of Resolution No. 2.390, of 22.05.97, must send 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. Sole paragraph. For the purposes provided for in this article, clients with balances lower
than R$50,000.00 (fifty thousand reais) must also be considered. Art. 5 The institution must inform the Regional Office of the Central Bank of Brazil to which it is subject, and keep permanently updated, the name, CPF and telephone number of the director responsible for providing the information. Art. 6 Non-compliance 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. Art. 8 Circular No. 2.756, of 22.05.97, is revoked. Brasília, 16 July 1997 Alkimar Ribeiro Moura Carlos Eduardo T. de Andrade Director Director ANNEX TO CIRCULAR NO. 2768, OF 16.07.97 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 titles: 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 Suretyships and Guarantees 1.8.8.20.00-7 Credits arising from Export Contracts 1.8.8.35.00.00-9 Debtors for Purchase of Securities and Assets 1.8.8.80.00-9 Securities and Credits Receivable 1.8.9.00.00-6 Other Credits in Liquidation 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 - Others 3.0.1.90.00-7 Beneficiaries of Other Co-obligations 3.0.9.55.00-8 Debtors for Written-Off Exchange Contracts 3.0.9.60.00-0 Credits Written Off as Loss 3.0.9.80.00-4 SFH - Installments of Financing to be Released 3.0.9.86.10-1 Amounts of Contracted Credits to be Released - Legal Entities 4.9.2.36.00-0 Advances on Exchange Contracts 4.9.2.48.00-5 Advances on Exchange Contracts - Floating Rates. In fixed-rate operations or those in which interest is already contractually included, the amounts to be reported must be calculated by bringing each installment due to present value, month by month, if applicable. With respect to leasing operations, code 1.7.0.00.00-0, the amounts to be reported must be calculated by bringing each consideration due to present value, month by month, relating to leases and subleases receivable and residual amounts to be realized, in accordance with COSIF 1-11-8-5-a. Advances on exchange contracts, recorded in account titles 4.9.2.36.00-0 and 4.9.2.48.00-5, except for transactions with financial institutions, must be reported added to their respective income receivable recorded in the title Income Receivable from Advances Granted, code 1.8.2.75.00-9. The amounts relating to codes 3.0.9.80.00-4 and 3.0.9.86.10-1 must be reported as from the base date of 31.12.97, inclusive, as co-obligations and assumed risks. The layouts described below can be used to generate 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 last
control record, whose layouts can be consulted in Sisbacen, through transaction PDIC600. The numeric fields: a) must be provided in external decimal format ('DISPLAY'); b) must be right-aligned and padded with leading zeros; c) in the case of values that include a fractional part, the decimal point is implicit, with two decimal places established in the last two positions; d) in the case of missing information, fill with zeros. The alphanumeric fields: a) must be left-aligned and padded with blanks on the right; b) in the case of missing information, fill with blanks. Regardless of the maintenance of the data that gave rise to the information, institutions must keep, for a minimum period of 30 days, a copy of the data provided in magnetic media, so that prompt restoration of the original content is possible, if necessary. Institutions connected to SISBACEN in the TCU-TCU mode and users of IBM's NFTP (Netview File Transfer Program) software must contact Banco Central do Brasil/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 16.07.97, from the Regional Offices or through the INTERNET, address http: //www.bcb.gov.br, the PDEVW10 program, executable in Windows 95, NT or higher environment, intended for encrypting data and generating 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 submission. Any questions 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 lower | | | |than R$50,000.00) | | | |-4(digit 4), in the case of | | | |consolidated of natural persons | | | |(individual values lower | | | |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) | same from 180 to | | | | 360 days | | | | -------------------------------------------------------------------- Past-due debt | 47 | 63 | 9(17) | same 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) | same above 60 | | | | up to 180 days | | | | -------------------------------------------------------------------- Overdue debt | 98 | 114 | 9(17) | same above 181 | | | | up to 360 days | | | | -------------------------------------------------------------------- Overdue debt | 115 | 131 | 9(17) | same above 360 | | | | days | | | | -------------------------------------------------------------------- Credits written | 132 | 148 | 9(17) | updated amount, in reais, up to off as | | | | the base date on which the transactions loss in the | | | | were recorded in the offset fiscal year | | | | as loss --------------------------------------------------------------------
Credits written | 149 | 165 | 9(17) | same off as loss in the | | | | previous fiscal | | | | year | | | | -------------------------------------------------------------------- Co-obligations and| 166 | 182 | 9(17) | updated amount of guarantees risks assumed | | | | provided and risks assumed | | | | -------------------------------------------------------------------- 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 re-| 29 | 35 | 9(07) | Total number of records recorded in corded in the| | | | the file, including the control file | | | | records -------------------------------------------------------------------- Filler | 36 | 190 | X(155) | -------------------------------------------------------------------- Sequential | 191 | 197 | 9(07) | sequential number of the record --------------------------------------------------------------------