Instruction No. 16/2021
Official Gazette No. 11/2021 5th Supplement • 2021/12/10

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Themes
Supervision :: Conduct Supervision

Index

Text of the Instruction

Annex to the Instruction

A. Framework

B. Content

C. File transfer

D. Information structure (XML schema)

E. Annex I – Reference lists

F. Annex II – Example of information reporting

Text of the Instruction

Subject: Reporting of information relating to credit agreements covered by the procedures provided for in the PARI and the PERSI

With the entry into force of Decree-Law No. 70-B/2021, of 6 August, which made the first amendment to the general regime for default, approved by Decree-Law No. 227/2012, of 25 October, credit institutions, financial companies, payment institutions and electronic money institutions are required to report to Banco de Portugal quantitative information relating to the implementation of the procedures provided for in the Action Plan for the Risk of Default (PARI) and the implementation of the Out-of-Court Procedure for the Regularisation of Default Situations (PERSI).

Through this Instruction, the requirements for the information that institutions must report on the implementation of the procedures provided for in the PARI and the PERSI are established, as well as the reporting model they must observe for that purpose, revoking Instruction No. 44/2012.

This Instruction was subject to public consultation, under the terms provided for in Article 101 of the Code of Administrative Procedure.

Accordingly, Banco de Portugal, in the exercise of the powers conferred on it by paragraph 3 of Article 33 of Decree-Law No. 227/2012, of 25 October, determines the following:

Instruction No. 16/2021 Official Gazette No. 11/2021 5th Supplement • 2021/12/10 Themes Supervision :: Conduct Supervision
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1. Object

Credit institutions, financial companies, payment institutions and electronic money institutions shall communicate to Banco de Portugal, under the terms provided for in this Instruction, information relating to the following credit agreements:

a) Credit agreements covered by the procedures provided for in the Action Plan for the Risk of Default (PARI), in accordance with the provisions of Articles 9 et seq. of Decree-Law No. 227/2012, of 25 October;

b) Credit agreements included in the Out-of-Court Procedure for the Regularisation of Default Situations (PERSI), in accordance with the provisions of Articles 14 et seq. of Decree-Law No. 227/2012, of 25 October.

2. Definitions

Without prejudice to the definitions set out in Article 3 of Decree-Law No. 227/2012, of 25 October, for the purposes of this Instruction:

a) "Credit category" means the classification of the credit agreement, to be carried out in accordance with the provisions of paragraph 3 of this Instruction;

b) "Credit consolidation agreement" means the credit agreement entered into with a view to the full repayment of the principal and the payment of interest, fees and other charges due under several credit agreements of which the customer is the borrower, regardless of the institutions that intervene therein as lenders;

c) "Credit agreement in default" means the agreement in which the borrower has failed to pay any obligation arising from that agreement;

d) "Credit agreement in PARI" means the credit agreement in respect of which the institution has detected signs of risk of default, in the course of the permanent and systematic monitoring of the performance of the credit agreements in which it intervenes as lender or following an alert from the respective borrower, and which is under assessment or negotiation within the scope of the procedures provided for in the PARI;

e) "Credit agreement in PERSI" means the credit agreement that has been included in PERSI and is under assessment or negotiation within the scope of that procedure;

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f) "Credit agreement in force" means the credit agreement whose obligations remain enforceable, not including agreements that have been terminated, called or revoked or that are subject to enforcement proceedings;

g) "Agreement of indefinite duration" means the credit agreement without a defined term or with automatic renewal;

h) "Additional loan agreement" means the credit agreement intended to support the payment of instalments or other charges of another credit agreement or agreements;

i) "Refinancing agreement" means the credit agreement entered into with a view to the full repayment of the principal and the payment of interest, fees and other charges due under a credit agreement of which the customer is the borrower;

j) "Renegotiated agreement" means the credit agreement whose terms and conditions have been subject to amendments, not considering as renegotiation the amendments resulting from the application of the contractual conditions initially provided for;

k) "Revolving credit" means the agreement of fixed or indefinite duration in which a maximum credit limit is established, which the customer may use over time up to that limit and in which, upon repayment of the amounts owed, the customer may reuse the credit;

l) "Termination of the PARI" means the conclusion of the steps taken by the lending institution within the scope of the PARI in relation to a given banking customer;

m) «Institution» means credit institutions, financial companies, payment institutions and electronic money institutions;

n) «Obligations arising from the credit agreement» means the obligations to repay the principal or pay remuneratory interest assumed by the client under a credit agreement;

o) «Type of interest rate» corresponds to the type of interest rate provided for in the agreement, which may be:

i) Fixed interest rate: interest rate that remains constant during the term of the agreement;

ii) Variable interest rate: interest rate that varies over the term of the agreement, in accordance with changes in the value of the respective index;

iii) Mixed interest rate: interest rate associated with a credit agreement that combines period(s) of fixed interest rate and period(s) of variable interest rate.

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3. Credit categories

For the purposes of this Instruction, the following credit categories shall be taken into account:

a) Personal credit – credit with a scheduled repayment plan and loan duration defined at the beginning of the agreement, with the exception of car credit. This type of credit includes the following subcategories:

i) Without specific purpose – credit granted without the purpose for which the borrowed amount is intended being defined;

ii) Home purpose – credit intended for the acquisition of furniture and equipment for the home;

iii) Education purpose – credit intended to finance education expenses;

iv) Health purpose – credit intended to finance health expenses;

v) Renewable energy purpose – credit intended to finance renewable energy equipment;

vi) Financial leasing of equipment – credit for the acquisition of equipment involving financial leasing operations, regardless of the purpose for which the leased asset is intended;

vii) Consolidated credit without mortgage – credit not secured by a mortgage over immovable property or over another right over immovable property, the purpose of which is to concentrate into a single loan, at a single credit institution, two or more credits previously held by the borrower;

viii) Credit for works – credit, not secured by a mortgage over immovable property or over another right over immovable property, nor secured by a right in rem intended for carrying out works on immovable property, regardless of whether the amount is less than, equal to or greater than 75 000 euros;

ix) Other purposes – credit intended to finance a specific good or service and which is not included in the preceding subparagraphs, nor is a financial leasing agreement.

b) Car credit – credit intended for the acquisition of a car or other vehicles subject to registration, with a scheduled repayment plan, amount and duration of the loan defined at the beginning of the agreement. This type of credit includes the following subcategories:

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i) Financial leasing or Long-Term Rental (ALD) with option or obligation to purchase: new – credit for the acquisition of new vehicles involving financial leasing or ALD operations with option or obligation to purchase;

ii) Financial leasing or Long-Term Rental (ALD) with option or obligation to purchase: used – credit for the acquisition of used vehicles involving financial leasing or ALD operations with option or obligation to purchase;

iii) Credit with reservation of ownership: new – credit for the acquisition of new vehicles and in which there is a reservation of ownership of the vehicle;

iv) Credit with reservation of ownership: used – credit for the acquisition of used vehicles and in which there is a reservation of ownership of the vehicle;

v) Other: new – credit for the acquisition of new vehicles that does not fall within the preceding subparagraphs;

vi) Other: used – credit for the acquisition of used vehicles that does not fall within the preceding subparagraphs.

c) Credit card – agreement of indefinite duration, without a fixed scheduled repayment plan, in which a maximum credit limit is established and the use of credit is made through a card. This type of credit includes the following subcategories:

i) With free-float period – credit card that allows the use of credit without interest being charged for a minimum period of 30 consecutive days, regardless of the repayment method agreed with the consumer;

ii) Without free-float period – credit card that, in at least one of the repayment methods that may be agreed with the consumer, does not allow the use of credit for a minimum period of 30 consecutive days without interest being charged;

iii) Deferred debit card – credit card in which the outstanding balance is always paid in full by the consumer on a date agreed with the credit institution, with no interest being charged.

d) Credit line – agreement of indefinite duration, with a fixed scheduled repayment plan, in which a maximum credit limit is established.

e) Bank current account – agreement of fixed duration, without a fixed scheduled repayment plan, in which a maximum credit limit is established.

f) Overdraft facility – facility for the use of credit, associated with a demand deposit account, in which, in addition to the balance of that account, its operation is permitted up to a limit

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maximum credit previously established. In overdraft facilities, the following subcategories are distinguished:

i) With salary domiciliation and repayment term exceeding one month – bank overdraft granted based on salary domiciliation, whose contract does not provide for the obligation to repay within one month;

ii) Without salary domiciliation and repayment term exceeding one month – bank overdraft granted without being based on salary domiciliation, whose contract does not provide for the obligation to repay within one month;

iii) With salary domiciliation and repayment term equal to or less than one month – bank overdraft granted based on salary domiciliation, whose contract provides for the obligation to repay within a term equal to or less than one month;

iv) Without salary domiciliation and repayment term equal to or less than one month – bank overdraft granted without being based on salary domiciliation, whose contract provides for the obligation to repay within a term equal to or less than one month.

g) Overrunning – overdraft tacitly accepted by the institution allowing the customer to dispose of funds exceeding the balance of their current deposit account or of the overdraft facility.

h) Housing credit with mortgage guarantee – classic credit agreement guaranteed by mortgage or other equivalent guarantee usually used on immovable property, or guaranteed by a right relating to immovable property, intended for the acquisition or construction of permanent own housing, secondary housing or for rental, or for the acquisition or maintenance of ownership rights over existing or planned land or buildings;

i) Housing credit without mortgage guarantee – classic credit agreement not guaranteed by mortgage or other equivalent guarantee usually used on immovable property, nor guaranteed by a right relating to immovable property, intended for the acquisition or construction of permanent own housing, secondary housing or for rental, or for the acquisition or maintenance of ownership rights over existing or planned land or buildings, or for the payment of the deposit due in the context of the future acquisition of property for those purposes;

j) Real estate financial leasing – agreement by which the institution undertakes, in return for remuneration, to transfer to the consumer the temporary enjoyment of immovable property for permanent own housing, secondary housing or for rental, acquired or constructed at the consumer's indication, and

Instruction No. 16/2021 BO No. 11/2021 5th Supplement • 2021/12/10 Supervision Themes :: Conduct Supervision
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which the latter may purchase, after the agreed period has elapsed, for a price determined in the contract or determinable by simple application of the criteria set out therein;

k) Mortgage credit – credit agreement which, not being able to be classified under the previous paragraphs, is guaranteed by mortgage or other equivalent guarantee usually used on immovable property, or guaranteed by a right relating to immovable property. This type of credit includes the following subcategories:

i) Consolidated credit – credit agreement entered into with a view to the full repayment of the capital and the payment of interest, commissions and other charges due under several credit agreements of which the consumer is the borrower, regardless of the credit institutions involved in them;

ii) Car credit – credit agreement intended for the acquisition of a car or other vehicles, with a repayment schedule, amount and duration of the loan defined at the beginning of the credit agreement, including financial leasing of cars and other vehicles;

iii) Other purposes – credit agreement whose purpose cannot be classified under subparagraphs i) and ii) or the credit agreement in which the purpose for which the borrowed amount is intended is not defined;

iv) Credit card – revolving credit agreement, in which the use of credit is carried out through a card, including cards with and without a free-float period and deferred debit cards;

v) Overdraft facility – revolving credit agreement that establishes a credit facility associated with a current deposit account, allowing it to be operated beyond its balance, up to a maximum credit limit previously established;

vi) Other revolving credits – revolving credit agreement not classifiable under subparagraphs iv) and v).

4. Characterisation of the information to be reported

4.1. The information to be reported, under the terms set out in this Instruction, concerns the number and amount of credit agreements in force, credit agreements under PARI, credit agreements under PERSI and the result of the procedures provided for under PARI and PERSI.

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4.2. Institutions must comply with the Reporting Model annexed to this Instruction, of which it forms an integral part, and in which the technical and operational requirements inherent to compliance with the obligations established in this Instruction are defined.

5. Deadline applicable to the reporting of information

5.1. The information provided for in this Instruction must be sent monthly to Banco de Portugal within 10 business days after the end of the reference period.

5.2. For the purposes of the preceding paragraph, the reference period corresponds to the calendar month.

6. Form of reporting

The information must be sent to Banco de Portugal, under the terms of the Reporting Model referred to in paragraph 4 of this Instruction, via the BPnet Portal (www.bportugal.net), through the “Reporte de Incumprimento” service available in the “Supervisão Comportamental” thematic area.

7. Repealing provision

Instruction No. 44/2012, published in the Official Bulletin of Banco de Portugal No. 12/2012, of 17 December 2012, is revoked.

8. Transitional provision

8.1. Institutions must report by 14 February 2022 the information relating to:

a) The period between 7 and 31 August 2021; and

b) The months of September, October, November and December 2021.

8.2. The information relating to the month of January 2022 must likewise be reported by 14 February 2022.

9. Entry into force

This Instruction enters into force on 15 January 2022.

Annex to Instruction n.o 16/2021 BO n.o 11/2021 5.º Suplemento • 2021/12/10
Topics Supervision :: Behavioural Supervision
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Annex to the Instruction

Reporting of Non-Compliance – Communication model with entities covered by the reporting

A. Framework

Decree-Law n.º 227/2012, of 25 October, establishes the principles and rules to be observed by institutions in preventing and regularising situations of non-compliance with credit contracts by bank customers.

According to paragraph 3 of Article 33.º of the aforementioned legal instrument, institutions are obliged to communicate to Banco de Portugal quantitative information on the implementation of the procedures adopted under the Action Plan for Default Risk (“PARI”) and the Out-of-Court Procedure for Regularising Situations of Non-Compliance (“PERSI”).

This document specifies the rules for communicating to Banco de Portugal information on credit contracts under PARI, credit contracts under PERSI and the outcome of the procedures provided for under PARI and PERSI. The communication model is based on the transfer of XML files through the Banco de Portugal BPnet channel.

Any clarifications regarding this Communication Model may be requested via the e-mail address reporte.incumprimento@bportugal.pt.

B. Content

The information to be communicated concerns credit contracts under PARI, credit contracts under PERSI and the outcome of the procedures provided for under PARI and PERSI.

Each XML file, relating to a given reference period, is communicated individually, although corrective versions may be sent. Each corrective version replaces in full the information sent in the previous version for the reference period.

C. File transfer

The reporting established in this Communication Model is based on the periodic communication of information to Banco de Portugal through file transfer, in which the following rules must be observed:

Periodicity	Monthly.
Reporting deadline	10 working days from the end of the reference period, which corresponds to the calendar month.
File flow	ReporteIncumprimento – Communication by the reporting entity (the institution that sends the file to Banco de Portugal) of information on the credit contracts under PARI and the credit contracts under PERSI of the reported entity (the institution to which the reported information relates) in the reference period, as well as on the outcome of the procedures carried out under PARI and PERSI by the reported entity in the reference period.
Channel	The information must be sent to Banco de Portugal, in XML file, via the BPnet portal (www.bportugal.net), through the “Reporte de Incumprimento” service available in the “Supervisão Comportamental” thematic area.
Nomenclature	INCUMP.pppp.ssssss.eee
	pppp	4-position code relating to the reported entity (the institution to which the reported information relates), corresponding to the registration code of the institution with Banco de Portugal. This code must match the one indicated in the control information of the XML file (see section D. Information structure (XML schema)).
	ssssss	Identification of the reference period of the report in the AAAAMM format (6 positions). This unique identifier must be composed of the year (AAAA) and month (MM) of the reference period and must match the one indicated in the header information of the XML file (see section D1. Header information).
	eee	Extension identifying the file format.
	Example:
	In the first 10 working days of February 2022, institution 9999 sends the required information report for the month of January 2022, with the following nomenclature:
	INCUMP.9999.202201.XML
Format	Files must be sent in accordance with the indicated nomenclature and the information structure described in section D.

Reporting Entity
ReporteIncumprimento
Banco de Portugal

D. Information structure (XML schema)

This section describes the information to be sent, as well as its format, through the definition of an XML schema.

The communication of information to Banco de Portugal by the entities covered by the Reporting of Non-Compliance is based on the sending of a file, which must comply with the structure defined in the single XML schema.

The information in the XML file is divided into two parts: the first, called header, with the information necessary for controlling the reports made, and the second with the information to be reported, the body.

D.1. Header information

The file header must contain: the code of the reporting entity, the code of the reported entity, the reference date and the schema version.

The following table describes the elements of the header section:

Element	[min-max]	Type	Rules/observations
EntidadeReportante	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reporting entity, that is, the entity that submits the file on the BPnet portal and proceeds with its submission.
LEIReportante	[1-1]	Alphanumeric (20 positions)	“Legal Entity identifier” (LEI), relating to the identification of legal entities, associated with the reporting entity.
EntidadeReportada	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reported entity, that is, the entity to which the reported information relates.
LEIReportada	[1-1]	Alphanumeric (20 positions)	“Legal Entity Identifier” (LEI), relating to the identification of legal entities, associated with the reported entity.
DataReferencia	[1-1]	Date	Last day of the reference period, that is, the last day of the month to which the information reported in the file relates, according to the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day.
VersaoXSD	[1-1]	Alphanumeric (4 positions)	Schema version.

An institution may represent another institution and submit the files of the represented institution to Banco de Portugal. In this case, the reporting entity is distinct from the reported entity.

Annex to Instruction n.o 16/2021 BO n.o 11/2021 5th Supplement • 2021/12/10
Topics Supervision :: Behavioural Supervision
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D.2. Body information

The body is where all the information relating to the Non-Compliance Report is placed. The structure of the body is composed of nine sections, whose detail will be given in the following points.

D.2.1. Table 1

The Table 1 section must be filled with aggregated information, by credit category, on the totality of credit contracts in force at the end of the reference period.

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The following table describes the elements of this section:

Element	[min-max]	Type	Rules/observations
CategoriaCredito	[1-1]	Alphanumeric (4 positions)	Credit category code, in accordance with table A of Annex I.
NumTotalContr	[1-1]	Integer	Total number of credit agreements in force at the end of the reference period.
MntDivTotalContr	[1-1]	Numeric (28,2)	Total amount of outstanding principal in regular status of credit agreements in force at the end of the reference period. For agreements in default, overdue and unpaid instalments, as well as charges arising from the default, must not be included. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the dot as the decimal separator.
NumContrIncump	[1-1]	Integer	Total number of credit agreements in force that are in default at the end of the reference period.
MntDivContrIncump	[1-1]]	Numeric (28,2)	Total amount of outstanding principal in regular status of credit agreements in force that are in default at the end of the reference period. Overdue and unpaid instalments, as well as charges arising from the default, must not be included. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the dot as the decimal separator.
MntIncumpContr	[1-1]	Numeric (28,2)	Total amount of overdue and unpaid instalments, as well as charges arising from the default, namely default interest and fees, relating to credit agreements in force that are in default at the end of the reference period. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the dot as the decimal separator.

Annex to Instruction No. 16/2021 BO No. 11/2021 5th Supplement • 2021/12/10
Themes Supervision :: Conduct Supervision
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D.2.2. Table 2

The Table 2 section must be filled in with aggregated information on credit agreements under PARI and credit agreements under PERSI at the end of the reference period.

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
NumContratosPERSI	[1-1]	Integer	Total number of credit agreements under PERSI at the end of the reference period, that is, on the last day of the month to which the reported information relates.
NumMutuariosPERSI	[1-1]	Integer	Total number of borrowers of credit agreements under PERSI at the end of the reference period. This number must be calculated without duplication of the Tax Identification Number (NIF) and must not include guarantors.
MntDivContrPERSI	[1-1]	Numeric (28,2)	Total amount of outstanding principal in regular status of credit agreements under PERSI at the end of the reference period. The amount of overdue and unpaid instalments, as well as the amount of charges arising from the default, must not be included. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the dot as the decimal separator.
MntIncumpContrPERSI	[1-1]	Numeric (28,2)	Total amount of overdue and unpaid instalments, as well as charges arising from the default, namely default interest and fees, relating to credit agreements under PERSI at the end of the reference period. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the dot as the decimal separator.
NumContratosPARI	[1-1]	Integer	Total number of credit agreements under PARI at the end of the reference period, that is, on the last day of the month to which the reported information relates.
NumMutuariosPARI	[1-1]	Integer	Total number of borrowers of credit agreements under PARI at the end of the reference period. This number must be calculated without duplication of the Tax Identification Number (NIF) and must not include guarantors.
MntDivContrPARI	[1-1]	Numeric (28,2)	Total amount of outstanding principal of credit agreements under PARI at the end of the reference period. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the dot as the decimal separator.

D.2.3. Table 3

The Table 3 section must be filled in with information that characterizes each credit agreement included in PERSI in the reference period.

Annex to Instruction No. 16/2021 BO No. 11/2021 5th Supplement • 2021/12/10
Supervision Topics :: Conduct Supervision
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Mod. 99999911/T – 01/14

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Institution's registration code with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to each credit agreement, which must appear in the agreement itself and unambiguously identify it. In the case of agreements previously reported, the same agreement identification must be used.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement included in PERSI that, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement included in PERSI that, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
CategoriaCredito	[1-1]	Alphanumeric (4 positions)	Credit category code, in accordance with table A of Annex I.
RegimeCH	[0-1]	Alphanumeric (3 positions)	Code of the regime of the housing credit agreement, in accordance with table B of Annex I. This field must only be filled in in cases where the credit category is AA30 and AA31.
DataCelebracao	[1-1]	Date	Date on which the credit agreement was signed by the parties, institution and customer, in accordance with the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day.
DataTermo	[1-1]	Date	End date of the credit agreement, in accordance with the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day. In the case of agreements of indefinite duration, this field must be filled in with “9999-12-31”.
MntInicial	[1-1]	Numeric (28,2)	Total amount of the credit, established in the credit agreement. In the case of credit granted in tranches, this field must correspond to the maximum credit limit made available to the customer. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
MntDividaPERSI	[1-1]	Numeric (28,2)	Amount of outstanding principal, in regular status, at the date of inclusion in PERSI. It must not include overdue and unpaid instalments, nor charges arising from default. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Interest rate type code, in accordance with table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable on the date of integration into PERSI. It must be filled in with a number with five decimal places and must use a period as the decimal separator (e.g.: a TAN of 12.735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the type of index applicable on the date of integration into PERSI when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), in accordance with table D of Annex I. In the case of a mixed interest rate, the index applicable during the variable-rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points added to the value of the index to determine the TAN when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable

			on the date of integration into PERSI. In the case of a mixed interest rate, the spread applicable during the variable-rate period must be indicated. It must be filled in with a number with five decimal places and must use a period as the decimal separator (e.g.: a spread of 2.3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or principal deferral provided for in the contract, in accordance with table E of Annex I.
DataInicioIncump	[0-1]	Date	Date of commencement of default, that is, the date on which the customer first failed to pay an obligation arising from the contract, in accordance with the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day.
MntIncumpPERSI	[1-1]	Numeric (28,2)	Amount of overdue and unpaid instalments, as well as charges arising from the default, namely default interest and commissions, on the date of integration into PERSI. The monetary unit to be used in the communication must be the euro, with values rounded to the nearest euro cent. Use the period as the decimal separator.
DataIniPERSI	[1-1]	Date	Date on which PERSI is initiated for each credit agreement, in accordance with the provisions of paragraphs 1 to 3 of Article 14 of Decree-Law No. 227/2012, of 25 October. This field must be filled in accordance with the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day.
MotivoIniPERSI	[1-1]	Alphanumeric (3 positions)	Code corresponding to the reason that gave rise to the integration of the credit agreement into PERSI, in accordance with table F of Annex I.
PERSIFiador	[1-1]	Boolean	If the PERSI refers to a guarantor, enter "1", otherwise enter "0".

D.2.4. Table 4

The Table 4 section must be filled in with information on each credit agreement renegotiated within the scope of PERSI in the reference period.

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Mod. 99999911/T – 01/14

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to each credit agreement, which must appear in the contract itself and which unequivocally identifies it. In the case of agreements previously reported, the same agreement identification must be used.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement renegotiated under the PERSI which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement renegotiated under the PERSI which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
DataRenegociacao	[1-1]	Date	Date on which the renegotiation was formalised, in accordance with the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day.
MntDividaReneg	[1-1]	Numeric (28,2)	Amount of outstanding principal in regular status at the date of the renegotiation. It must not include overdue and unpaid instalments, nor charges arising from default. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
MntIncumpReneg	[1-1]	Numeric (28,2)	Amount of overdue and unpaid instalments, as well as charges arising from default, namely default interest and fees, at the date of the renegotiation. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
MntReneg	[1-1]	Numeric (28,2)	Amount to which the changes to the contractual conditions agreed between the parties under the renegotiation apply. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
VarSpread	[0-1]	Numeric (28,2)	Change in the spread, as a result of the renegotiation, expressed in basis points. It must only be filled in if the agreement is at a variable or mixed rate. Negative changes preceded by the sign "-" (e.g.: change in the spread from 2.50% to 1.25% must be reported as -125.00). This field must not assume the value zero.
VarTxJuro	[0-1]	Numeric (28,2)	Change in the interest rate, as a result of the renegotiation, expressed in basis points. It must only be filled in if the agreement is at a fixed rate. Negative changes preceded by the sign "-" (e.g.: change in the interest rate from 2.50% to 1.25% must be reported as -125.00). This field must not assume the value zero.
VarPrazoContrato	[0-1]	Numeric (28,2)	Change in the term of the agreement, as a result of the renegotiation, expressed in months (e.g.: change in the term of the agreement from 25 years to 30 years must be reported

			as 60.00). Negative changes preceded by the sign "-". This field must not assume the value zero.
VarPrazoCarencia	[0-1]	Numeric (28,2)	Change in the principal grace period, as a result of the renegotiation, expressed in months (e.g.: change in the principal grace period from 1 year to 2 years must be reported as 12.00). Negative changes preceded by the sign "-". In the case of the introduction of a principal grace period as a result of the renegotiation, the number of months thereof must be indicated. This field must not assume the value zero.
VarPrazoCarenciaCapJuros	[0-1]	Numeric (28,2)	Change in the principal and interest grace period, as a result of the renegotiation, expressed in months (e.g.: change in the principal and interest grace period from 1 year to 2 years must be reported as 12.00). Negative changes preceded by the sign "-". In the case of the introduction of a principal and interest grace period as a result of the renegotiation, the number of months thereof must be indicated. This field must not assume the value zero.
VarDifUltPrestacao	[0-1]	Numeric (28,2)	Change in the percentage of principal deferred to the last instalment as a result of the renegotiation, expressed in basis points (e.g.: change in the percentage of deferred principal from 5% to 10% must be reported as 500.00). Negative changes preceded by the sign "-". This field must not assume the value zero.
VarOutras	[1-1]	Boolean	If, as a result of the renegotiation, conditions other than those set out in the fields “VarSpread”, “VarTxJuro”, “VarPrazoContrato”, “VarPrazoCarencia”, “VarPrazoCarenciaCapJuros” and “VarDifUltPrestacao” have been changed, this field must be filled in with "1", otherwise with "0".

D.2.5. Table 5A

The Table 5A section must be filled in with information on each debt consolidation contract entered into under the PERSI during the reference period.

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with the Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to each debt consolidation contract, which must appear in the contract itself and which unequivocally identifies it.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the debt consolidation contract which, under the terms set out in point 4.2.2. of Instruction n.º 17/2018, must be reported to the Central de Responsabilidades de Crédito in the "Identificação de contrato" field included in "Bloco 2 – Contrato/instrumento". The specification of this variable is set out in the Guia de Apoio Técnico e Operacional ao reporte de informação para a Central de Responsabilidades de Crédito.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the debt consolidation contract which, under the terms set out in point 4.2.2. of Instruction n.º 17/2018, must be reported to the Central de Responsabilidades de Crédito in the "Identificação do instrumento" field included in "Bloco 2 – Contrato/instrumento". The specification of this variable is set out in the Guia de Apoio Técnico e Operacional ao reporte de informação para a Central de Responsabilidades de Crédito.
DataCelebracao	[1-1]	Date	Date on which the debt consolidation contract was signed by the parties, institution and client, according to the format AAAA-MM-DD, where AAAA corresponds to the year, MM to the month and DD to the day.
DataTermo	[1-1]	Date	End date of the debt consolidation contract, according to the format AAAA-MM-DD, where AAAA corresponds to the year, MM to the month and DD to the day. In the case of contracts of indefinite duration, this field must be filled in with "9999-12-31".
MntInicial	[1-1]	Numeric (28,2)	Total amount of the credit, established in the debt consolidation contract. The monetary unit to be used in the reporting must be the euro, with values rounded to the euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Code of the interest rate type of the debt consolidation contract, according to table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable on the date of execution of the debt consolidation contract. It must be filled in with a number with five decimal places and have the point as the decimal separator (e.g.: a TAN of 12,735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the index type applicable to the debt consolidation contract, when the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03) according to table D of Annex I. In the case of mixed interest rate contracts, the index applicable during the variable interest rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points added to the index value to determine the TAN when the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable on the date of execution of the debt consolidation contract. In the case of mixed interest rate contracts, the spread applicable during the variable interest rate period must be indicated. It must be filled in with a number with five decimal places and have the point as the decimal separator (e.g.: a spread of 2,3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or capital deferral provided for in the debt consolidation contract, according to table E of Annex I.

Annex to Instruction n.o 16/2021 BO n.o 11/2021 5.º Suplemento • 2021/12/10
Supervision Topics :: Behavioural Supervision
..................................................................................................................................................................................................

Mortgage	[1-1]	Boolean	If the credit consolidation contract is secured by a mortgage or other equivalent guarantee habitually used on real estate, this field must be filled in with “1”, otherwise with “0”.

D.2.6. Table 5B

The Table 5B section must be filled in with information on each credit contract included in the credit consolidation contract reported in the Table 5A section.

Information must be reported on all credit contracts covered by the credit consolidation contract, regardless of whether those contracts have been integrated into PERSI.

..................................................................................................................................................................................................

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the credit contract included in the consolidation, which must appear in the contract itself and which unequivocally identifies it.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit contract included in the credit consolidation which, under the terms set out in point 4.2.2. of Instrução n.º 17/2018, must be reported to the Central de Responsabilidades de Crédito in the “Identificação de contrato” field included in the “Bloco 2 – Contrato/instrumento”. The specification of this variable is set out in the Guia de Apoio Técnico e Operacional ao reporte de informação para a Central de Responsabilidades de Crédito.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit contract included in the credit consolidation which, under the terms set out in point 4.2.2. of Instrução n.º 17/2018, must be reported to the Central de Responsabilidades de Crédito in the “Identificação do instrumento” field included in the “Bloco 2 – Contrato/instrumento”. The specification of this variable is set out in the Guia de Apoio Técnico e Operacional ao reporte de informação para a Central de Responsabilidades de Crédito.
CategoriaCredito	[1-1]	Alphanumeric (4 positions)	Credit category code of the credit contract included in the consolidation, in accordance with table A of Annex I. If it is a credit contract not covered by the categories provided for in table A of Annex I, this field must be filled in with the code ZZ99.
MntDividaCons	[1-1]	Numeric (28,2)	Amount of outstanding principal in a regular situation of each credit contract included in the credit consolidation, as at the date of execution of the credit consolidation contract. It must not include overdue and unpaid instalments, nor charges resulting from default. The monetary unit to be used in the reporting must be the euro, with values rounded to the euro cent. Use the point as the decimal separator.
MntIncumpCons	[1-1]	Numeric (28,2)	Amount of overdue and unpaid instalments, as well as other charges resulting from default, namely default interest and commissions, of each credit contract included in the credit consolidation, on the date on which the credit consolidation contract was executed. The monetary unit to be used in the reporting must be the euro, with values rounded to the euro cent. Use the point as the decimal separator.
IdContratoCons	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the credit consolidation contract reported in the Table 5A section.
IdContratoConsCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit consolidation contract reported in Table 5A which, under the terms set out in point 4.2.2. of Instrução n.º 17/2018, must be reported to the Central de Responsabilidades de Crédito in the “Identificação de contrato” field included in the “Bloco 2 – Contrato/instrumento”. The specification of this variable is set out in the Guia de Apoio Técnico e Operacional ao reporte de informação para a Central de Responsabilidades de Crédito.
IdInstrumentoCons CRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit consolidation agreement reported in Table 5A that, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.

Annex to Instruction No. 16/2021 BO No. 11/2021 5th Supplement • 2021/12/10
Topics Supervision :: Conduct Supervision
..................................................................................................................................................................................................

D.2.7. Table 6

The Table 6 section must be filled in with information on each refinancing agreement entered into under PERSI in the reference period.

..................................................................................................................................................................................................

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reporting entity.
IdContratoOriginal	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the contract that was subject to refinancing, which must appear in the contract itself and unambiguously identify it. In the case of previously reported contracts, the same contract identification must be used.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the refinancing contract entered into, which must appear in the contract itself and unambiguously identify it.
IdContratoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the contract subject to refinancing which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the contract subject to refinancing which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the refinancing contract entered into which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.

..................................................................................................................................................................................................

IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the refinancing contract entered into which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
DataCelebracao	[1-1]	Date	Date on which the refinancing contract was signed by the parties, institution and client, in accordance with the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day.
DataTermo	[1-1]	Date	End date of the refinancing contract, in accordance with the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day. In the case of contracts of indefinite duration, this field must be filled in with “9999-12-31”.
MntInicial	[1-1]	Numeric (28,2)	Total amount of the credit, established in the refinancing contract. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Code of the type of interest rate of the refinancing contract, in accordance with table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable on the date of entering into the refinancing contract. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a TAN of 12.735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the type of index applicable to the refinancing contract, when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03) in accordance with table D of Annex I. In the case of mixed interest rate contracts, the index applicable during the variable interest rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points that is added to the value of the index to determine the TAN when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable on the date of entering into the refinancing contract. In the case of mixed interest rate contracts, the spread applicable during the variable interest rate period must be indicated. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a spread of 2.3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or capital deferral provided for in the refinancing contract, in accordance with table E of Annex I.
PrazoCarencia	[0-1]	Numeric (28,2)	Duration of the grace period for capital and/or interest in months. This field should only be filled in when the refinancing contract provides for the existence of a grace period for capital or for capital and interest (that is, when PerCarDif is E02, E03 or E05).
Hipoteca	[1-1]	Boolean	If the refinancing contract is secured by a mortgage or another equivalent guarantee usually used on real estate, this field must be filled in with “1”, otherwise with “0”.

..................................................................................................................................................................................................

D.2.8. Table 7

The Table 7 section must be filled in with information on each additional loan contract granted under the PERSI in the reference period.

Whenever the additional loan contract is intended for the payment of instalments of more than one contract, replicate the characteristics of the additional loan contract as many times as the original contracts concerned.

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Institution's registration code with Banco de Portugal, referring to the reporting entity.
IdContratoOriginal	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the credit contract whose instalments or charges the additional loan contract is intended to finance, which must appear in the contract itself and unambiguously identify it. In the case of contracts previously reported, the same contract identification must be used.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the additional loan contract, which must appear in the contract itself and unambiguously identify it.
IdContratoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit contract whose instalments or charges the additional loan contract is intended to finance which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit contract whose instalments or charges the additional loan contract is intended to finance which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the additional loan contract which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit

			Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the additional loan contract which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
DataCelebracao	[1-1]	Date	Date on which the additional loan contract was signed by the parties, institution and client, in accordance with the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day.
DataTermo	[1-1]	Data	End date of the additional loan agreement, in accordance with the YYYY-MM-DD format, where YYYY corresponds to the year, MM to the month and DD to the day. In the case of open-ended agreements, this field must be filled in with “9999-12-31”.
MntTotalCredito	[1-1]	Numeric (28,2)	Total amount of the credit, established in the additional loan agreement. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Code of the type of interest rate of the additional loan agreement, in accordance with table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable on the date of conclusion of the additional loan agreement. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a TAN of 12.735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the type of index applicable to the additional loan agreement, when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03) in accordance with table D of Annex I. In the case of mixed interest rate agreements, the index applicable during the variable interest rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points that is added to the value of the index for the calculation of the TAN when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable on the date of conclusion of the additional loan agreement. In the case of mixed interest rate agreements, the spread applicable during the variable interest rate period must be indicated. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a spread of 2.3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or deferral of principal, provided for in the additional loan agreement, in accordance with table E of Annex I.
PrazoCarencia	[0-1]	Numeric (28,2)	Duration of the grace period for principal and/or interest in months. This field must only be filled in when the additional loan agreement provides for the existence of a grace period for principal or for principal and interest (that is, when PerCarDif is E02, E03 or E05).
Hipoteca	[1-1]	Boolean	If the additional loan agreement is secured by a mortgage or another equivalent guarantee usually used over immovable property, this field must be filled in with “1”, otherwise, with “0”.

D.2.9. Table 8

The Table 8 section must be filled in with information on each credit agreement in respect of which the PERSI was extinguished in the reference period.

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Institution registration code with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Code with the internal reference assigned by the institution to each credit agreement, which must appear in the agreement itself and which unequivocally identifies it. In the case of agreements previously reported, the same agreement identification must be used.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement included in PERSI which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Agreement identification” included in “Block 2 – Agreement/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement integrated into PERSI which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Agreement/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.

DataExtincaoPERSI	[1-1]	Date	Date on which the PERSI was extinguished in relation to the credit agreement, in accordance with the provisions of paragraphs 1 and 2 of Article 17 of Decree-Law No. 227/2012, of 25 October. This field must be filled in according to the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day. In the case of agreements in which the field MotivoExtincao is filled in with the codes G03, G04, G05 or G06, the date indicated in this field must coincide with the date of formalisation of the solution communicated, respectively, in the sections of Tables 4, 5A, 6 and 7.
MotivoExtincao	[1-1]	Alphanumeric (3 positions)	Code of the reason for extinction of the PERSI, which corresponds to the reason why the credit agreement ceased to be integrated into PERSI, in accordance with table G of Annex I. In the case of there being several reasons for extinction, only one reason for extinction must be indicated in accordance with the hierarchy table presented below.
MntDividaRem	[0-1]	Numeric (28,2)	Amount of outstanding principal after the transfer in satisfaction has been carried out. This field must only be filled in if the reason for extinction of the PERSI is “G07 - Transfer in satisfaction”. The monetary unit to be used in the communication must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.

In situations in which the extinction of the PERSI is justified by more than one of the reasons indicated in table G of Annex I, for the purposes of filling in the field “MotivoExtincao” of this section only the reason that is presented first in the following table must be indicated:

Code	Hierarchy of the reasons for extinction of the PERSI
	(Table G of Annex I)
G07	Transfer in satisfaction
G03	Renegotiated agreement
G04	Conclusion of a credit consolidation agreement
G05	Conclusion of a refinancing agreement
G06	Conclusion of an additional loan agreement
G01	Payment of the amounts in arrears
G08	Declaration of insolvency of the client
G09	Attachment carried out or seizure ordered in favour of third parties over the debtor's assets
G10	Banking client does not have the financial capacity to regularise the situation of non-compliance
G11	Banking client refused the proposal to regularise the situation of non-compliance
G12	Institution refused the changes suggested by the banking client to the proposal presented by it
G13	Banking client did not cooperate with the institution (e.g. non-provision of documentation)
G14	More than 90 days have elapsed since integration into the PERSI process (without agreement)
G15	Other reason

In situations in which an agreement is concluded that includes several solutions aimed at regularising the non-compliance, the institutions must only report the extinction of the PERSI, in this section and in the sections Table 4 to Table 7, after the formalisation of all the regularisation solutions. This situation may cause, exceptionally, transactions formalised in reference periods prior to that of the reporting in question to be reported in the sections Table 4 to Table 7.

D.2.10. Table 9

The section Table 9 must be filled in with information that characterises each credit agreement integrated into PARI in the reference period.

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to each credit agreement, which must appear in the agreement itself and unambiguously identify it. In the case of agreements previously reported, the same agreement identification must be used.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement under PARI which, under the terms set out in point 4.2.2. of Instrução n.º 17/2018, must be reported to the Central de Responsabilidades de Crédito in the field “Identificação de contrato” included in “Bloco 2 – Contrato/instrumento”. The specification of this variable is set out in the Guia de Apoio Técnico e Operacional ao reporte de informação para a Central de Responsabilidades de Crédito.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement under PARI which, under the terms set out in point 4.2.2. of Instrução n.º 17/2018, must be reported to the Central de Responsabilidades de Crédito in the field “Identificação do instrumento” included in “Bloco 2 – Contrato/instrumento”. The specification of this variable is set out in the Guia de Apoio Técnico e Operacional ao reporte de informação para a Central de Responsabilidades de Crédito.
CategoriaCredito	[1-1]	Alphanumeric (4 positions)	Credit category code, in accordance with table A of Annex I.
RegimeCH	[0-1]	Alphanumeric (3 positions)	Code of the regime of the housing credit agreement, in accordance with table B of Annex I. This field must only be filled in where the credit category is AA30 and AA31.
DataCelebracao	[1-1]	Date	Date on which the credit agreement was signed by the parties, institution and customer, in accordance with the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day.

..................................................................................................................................................................................................

DataTermo	[1-1]	Date	End date of the credit agreement, in accordance with the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day. In the case of agreements of indefinite duration, this field must be filled in with “9999-12-31”.
MntInicial	[1-1]	Numeric (28,2)	Total amount of the credit, established in the credit agreement. In the case of credit granted in tranches, this field must correspond to the maximum credit limit made available to the customer. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
MntDividaPARI	[1-1]	Numeric (28,2)	Amount of outstanding principal, in regular status, at the date of application of the PARI. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Interest rate type code, in accordance with table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable at the date of integration into PERSI. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a TAN of 12.735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the type of index applicable at the date of application of the PARI when the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03) in accordance with table D of Annex I. In the case of a mixed interest rate, the index applicable during the variable rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points that is added to the value of the index to determine the TAN when the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable at the date of application of the PARI. In the case of a mixed interest rate, the spread applicable during the variable rate period must be indicated. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a spread of 2.3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or principal deferral provided for in the contract, in accordance with table E of Annex I.
DataIniPARI	[1-1]	Date	Date on which the institution detected signs of deterioration in the borrower's financial capacity to meet the obligations arising from the credit agreement, on which the borrower conveyed facts indicating the risk of default, or on which the institution applied the PARI because the contract was covered by a public moratorium. This field must be filled in according to the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day.
MotivoIniPARI	[1-1]	Alphanumeric (3 positions)	Code corresponding to the reason that gave rise to the application of the PARI, in accordance with table H of Annex I. In cases in which the PARI was applied by virtue of the provisions of subparagraph a) of paragraph 2 of Article 5 of Decree-Law No. 70-B/2021, of 6 August, the reason for the start of PARI to be reported must correspond to "Contract under public moratorium provided for in Decree-Law No. 10-J/2020, of 26 March" (H07).

Annex to Instruction No. 16/2021 BO No. 11/2021 5th Supplement • 2021/12/10
Supervision Themes :: Conduct Supervision
..................................................................................................................................................................................................

D.2.11. Table 10

The Table 10 section must be filled in with information on each credit agreement renegotiated under the PARI in the reference period.

..................................................................................................................................................................................................

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Institution's registration code with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to each credit agreement, which must appear in the contract itself and unambiguously identify it. In the case of contracts previously reported, the same contract identification must be used.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement renegotiated under the PARI which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field "Contract identification" included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement renegotiated under the PARI which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field "Instrument identification" included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
DataRenegociacao	[1-1]	Date	Date on which the renegotiation was formalised, in accordance with the format YYYY-MM-DD, in which YYYY corresponds to the year, MM to the month and DD to the day.
MntDividaReneg	[1-1]	Numeric (28,2)	Amount of principal outstanding in regular status at the date of the renegotiation. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
MntIncumpReneg	[1-1]	Numeric (28,2)	Amount of overdue and unpaid instalments, as well as charges arising from default, namely default interest and fees, at the date of the renegotiation. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator. This variable must only be reported

			with a value other than zero in situations in which the renegotiation is formalised at a time when the credit agreement covered by the PARI already presents overdue and unpaid amounts.
MntReneg	[1-1]	Numeric (28,2)	Amount to which the changes to the contractual conditions agreed between the parties under the renegotiation apply. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
VarSpread	[0-1]	Numeric (28,2)	Spread variation, as a result of the renegotiation, expressed in basis points. It should only be filled in if the contract is at a variable or mixed rate. Negative variations preceded by the "-" sign (e.g.: spread variation from 2.50% to 1.25% should be reported as -125.00). This field must not assume the value zero.
VarTxJuro	[0-1]	Numeric (28,2)	Interest rate variation, as a result of the renegotiation, expressed in basis points. It should only be filled in if the contract is at a fixed rate. Negative variations preceded by the "-" sign (e.g.: interest rate variation from 2.50% to 1.25% should be reported as -125.00). This field must not assume the value zero.
VarPrazoContrato	[0-1]	Numeric (28,2)	Contract term variation, as a result of the renegotiation, expressed in months (e.g.: contract term variation from 25 years to 30 years should be reported as 60.00). Negative variations preceded by the "-" sign. This field must not assume the value zero.
VarPrazoCarencia	[0-1]	Numeric (28,2)	Capital grace period variation, as a result of the renegotiation, expressed in months (e.g.: capital grace period variation from 1 year to 2 years should be reported as 12.00). Negative variations preceded by the "-" sign. In the case of introduction of a capital grace period as a result of the renegotiation, the number of months of the same must be indicated. This field must not assume the value zero.
VarPrazoCarenciaCapJuros	[0-1]	Numeric (28,2)	Capital and interest grace period variation, as a result of the renegotiation, expressed in months (e.g.: capital and interest grace period variation from 1 year to 2 years should be reported as 12.00). Negative variations preceded by the "-" sign. In the case of introduction of a capital and interest grace period as a result of the renegotiation, the number of months of the same must be indicated. This field must not assume the value zero.
VarDifUltPrestacao	[0-1]	Numeric (28,2)	Variation of the percentage of capital deferred to the last instalment, as a result of the renegotiation, expressed in basis points (e.g.: variation of the percentage of deferred capital from 5% to 10% should be reported as 500.00). Negative variations preceded by the "-" sign. This field must not assume the value zero.
VarOutras	[1-1]	Boolean	If, as a result of the renegotiation, other conditions than those specified in the fields "VarSpread", "VarTxJuro", "VarPrazoContrato", "VarPrazoCarencia", "VarPrazoCarenciaCapJuros" and "VarDifUltPrestacao" have been changed, this field must be filled with "1", otherwise, with "0".

D.2.12. Table 11A

The Table 11A section must be filled with information on each credit consolidation contract entered into under the PARI in the reference period.

..................................................................................................................................................................................................

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Institution's registration code with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to each credit consolidation contract, which must appear in the contract itself and which unequivocally identifies it.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit consolidation contract that, under the terms provided in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field "Contract identification" included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit consolidation contract that, under the terms provided in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field "Instrument identification" included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
DataCelebracao	[1-1]	Date	Date on which the credit consolidation contract was signed by the parties, institution and client, in accordance with the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day.
DataTermo	[1-1]	Data	End date of the credit consolidation contract, according to the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day. In the case of contracts of indefinite duration, this field must be filled in with “9999-12-31”.
MntInicial	[1-1]	Numeric (28,2)	Total amount of the credit, established in the credit consolidation contract. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Code of the type of interest rate of the credit consolidation contract, in accordance with table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable on the date of conclusion of the credit consolidation contract. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a TAN of 12.735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the type of index applicable to the credit consolidation contract, when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03) in accordance with table D of Annex I. In the case of contracts with a mixed interest rate, the index applicable during the variable interest rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points that is added to the value of the index to determine the TAN when the type of interest rate is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable on the date of conclusion of the credit consolidation contract. In the case of contracts with a mixed interest rate, the spread applicable during the variable interest rate period must be indicated. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a spread of 2.3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or deferral of principal provided for in the credit consolidation contract, in accordance with table E of Annex I.

Hipoteca	[1-1]	Boolean	If the credit consolidation contract is secured by a mortgage or another equivalent guarantee usually used on immovable property, this field must be filled in with “1”, otherwise, with “0”.

D.2.13. Table 11B

The Table 11B section must be filled in with information on each credit contract included in the credit consolidation contract reported in the Table 11A section.

Information must be reported on all credit contracts covered by the credit consolidation contract, regardless of whether those contracts have been included in PARI.

..................................................................................................................................................................................................

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the credit contract included in the consolidation, which must appear in the contract itself and which unequivocally identifies it.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the contract included in the credit consolidation which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the contract included in the credit consolidation which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
CategoriaCredito	[1-1]	Alphanumeric (4 positions)	Code of the credit category of the credit agreement included in the consolidation, in accordance with table A of Annex I. If it concerns a credit agreement not covered by the categories provided for in table A of Annex I, this field must be filled in with code ZZ99.
MntDividaCons	[1-1]	Numeric (28,2)	Amount of principal outstanding in regular status of each credit agreement included in the credit consolidation, at the date of conclusion of the credit consolidation agreement. It must not include overdue and unpaid instalments, nor charges arising from default. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
MntIncumpCons	[1-1]	Numeric (28,2)	Amount of overdue and unpaid instalments, as well as other charges arising from default, namely default interest and fees, of each credit agreement included in the credit consolidation, on the date on which the credit consolidation agreement was concluded. The monetary unit to be used in the reporting must be the euro, with values rounded to the nearest euro cent. Use the point as the decimal separator.
IdContratoCons	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the credit consolidation agreement reported in section Table 11A.
IdContratoConsCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit consolidation agreement reported in Table 11A which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCons CRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit consolidation agreement reported in Table 11A which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.

D.2.14. Table 12

Section Table 12 must be filled in with information on each refinancing agreement concluded within the scope of the PARI in the reference period.

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Institution's registration code with Banco de Portugal, referring to the reporting entity.
IdContratoOriginal	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the agreement that was subject to refinancing, which must appear in the agreement itself and unequivocally identify it. In the case of agreements previously reported, the same contract identification must be used.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the refinancing agreement concluded, which must appear in the agreement itself and unequivocally identify it.
IdContratoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the agreement subject to refinancing which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the agreement subject to refinancing which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Instrument identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the refinancing agreement concluded which, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field “Contract identification” included in “Block 2 – Contract/instrument”. The specification of this variable is set out in the Technical and Operational Support Guide for

..................................................................................................................................................................................................

			reporting of information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the refinancing contract entered into which, under the terms set out in point 4.2.2 of Instruction No. 17/2018, must be reported to the Credit Liabilities Register in the "Identification of the instrument" field included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Credit Liabilities Register.
DataCelebracao	[1-1]	Date	Date on which the refinancing contract was signed by the parties, institution and client, in accordance with the YYYY-MM-DD format, in which YYYY corresponds to the year, MM to the month and DD to the day.
DataTermo	[1-1]	Date	End date of the refinancing contract, in accordance with the YYYY-MM-DD format, in which YYYY corresponds to the year, MM to the month and DD to the day. In the case of contracts of indefinite duration, this field must be filled in with "9999-12-31".
MntInicial	[1-1]	Numeric (28,2)	Total amount of credit, established in the refinancing contract. The monetary unit to be used in the reporting must be the euro, with values rounded to the euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Code of the interest rate type of the refinancing contract, in accordance with table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable on the date of entry into the refinancing contract. It must be filled in with a number with five decimal places and have the point as the decimal separator (e.g. a TAN of 12,735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the index type applicable to the refinancing contract, where the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), in accordance with table D of Annex I. In the case of mixed interest rate contracts, the index applicable during the variable interest rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points added to the index value for determining the TAN where the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable on the date of entry into the refinancing contract. In the case of mixed interest rate contracts, the spread applicable during the variable interest rate period must be indicated. It must be filled in with a number with five decimal places and have the point as the decimal separator (e.g. a spread of 2,3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or capital deferral provided for in the refinancing contract, in accordance with table E of Annex I.
PrazoCarencia	[0-1]	Numeric (28,2)	Duration of the capital and/or interest grace period in months. This field must only be filled in where the refinancing contract provides for the existence of a capital grace period or a capital and interest grace period (i.e. when PerCarDif is E02, E03 or E05).
Hipoteca	[1-1]	Boolean	Where the refinancing contract is secured by a mortgage or other equivalent guarantee customarily used over real estate, this field must be filled in with "1", otherwise with "0".

Annex to Instruction No. 16/2021 BO No. 11/2021 5th Supplement • 2021/12/10
Themes Supervision :: Behavioural Supervision
..................................................................................................................................................................................................

D.2.15. Table 13

The Table 13 section must be filled in with information on each additional loan contract granted under the PARI during the reference period.

Whenever the additional loan contract is intended to pay instalments of more than one contract, replicate the characteristics of the additional loan contract as many times as there are original contracts involved.

..................................................................................................................................................................................................

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Registration code of the institution with Banco de Portugal, referring to the reporting entity.
IdContratoOriginal	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the credit contract whose instalments or charges the additional loan contract is intended to finance, which must be stated in the contract itself and which unequivocally identifies it. In the case of previously reported contracts, the same contract identification must be used.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Internal reference code assigned by the institution to the additional loan contract, which must be stated in the contract itself and which unequivocally identifies it.
IdContratoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit contract whose instalments or charges the additional loan contract is intended to finance which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Credit Register Centre in the "Contract identification" field included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Credit Register Centre.
IdInstrumentoOriginalCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit contract whose instalments or charges the additional loan contract is intended to finance which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Credit Register Centre in the "Instrument identification" field included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Credit Register Centre.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the additional loan contract which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Credit Register Centre in the "Contract identification" field included in

			"Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Credit Register Centre.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the additional loan contract which, under the terms set out in point 4.2.2. of Instruction No. 17/2018, must be reported to the Credit Register Centre in the "Instrument identification" field included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Credit Register Centre.
DataCelebracao	[1-1]	Date	Date on which the additional loan contract was signed by the parties, institution and client, in accordance with the YYYY-MM-DD format, where YYYY corresponds to the year, MM to the month and DD to the day.
DataTermo	[1-1]	Date	End date of the additional loan contract, in accordance with the YYYY-MM-DD format, where YYYY corresponds to the year, MM to the month and DD to the day. In the case of contracts of indefinite duration, this field must be filled in with "9999-12-31".
MntTotalCredito	[1-1]	Numeric (28,2)	Total amount of credit established in the additional loan contract. The monetary unit to be used in the reporting must be the euro, with values rounded to the euro cent. Use the point as the decimal separator.
TipoTaxaJuro	[1-1]	Alphanumeric (3 positions)	Code of the interest rate type of the additional loan contract, in accordance with table C of Annex I.
TAN	[1-1]	Numeric (8,5)	Value of the nominal annual rate (TAN) applicable on the date of execution of the additional loan contract. It must be filled in with a number with five decimal places and have the point as the decimal separator (e.g. a TAN of 12,735% must be reported as 12.73500).
IndexanteTxJuro	[0-1]	Alphanumeric (3 positions)	Code of the index type applicable to the additional loan contract, where the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03) in accordance with table D of Annex I. In the case of mixed interest rate contracts, the index applicable during the variable interest rate period must be indicated.
SpreadTxJuro	[0-1]	Numeric (8,5)	Value in percentage points that is added to the value of the index to determine the TAN when the interest rate type is variable or mixed (i.e. when TipoTaxaJuro is C02 or C03), applicable on the date of conclusion of the additional loan agreement. In the case of mixed interest rate agreements, the spread applicable during the variable interest rate period must be indicated. It must be filled in with a number with five decimal places and must have the point as the decimal separator (e.g.: a spread of 2.3% must be reported as 2.30000).
PerCarDif	[1-1]	Alphanumeric (3 positions)	Code corresponding to the existence or non-existence of a grace period or capital deferral provided for in the additional loan agreement, in accordance with table E of Annex I.
PrazoCarencia	[0-1]	Numeric (28,2)	Duration of the grace period for capital and/or interest in months. This field should only be filled in when the additional loan agreement provides for the existence of a grace period for capital or for capital and interest (i.e., when PerCarDif is E02, E03 or E05).
Hipoteca	[1-1]	Boolean	If the additional loan agreement is secured by a mortgage or other equivalent security commonly used on real estate, this field must be filled in with "1", otherwise with "0".

D.2.16. Table 14

The Table 14 section must be filled in with information on each credit agreement for which the PARI was extinguished, in the reference period.

The following table describes the elements of this section.

Element	[min-max]	Type	Rules/observations
CodigoIC	[1-1]	Alphanumeric (4 positions)	Institution's registration code with Banco de Portugal, referring to the reporting entity.
IdContrato	[1-1]	Alphanumeric (up to 200 positions)	Code with the internal reference assigned by the institution to each credit agreement, which must appear in the agreement itself and unambiguously identify it. In the case of agreements previously reported, the same agreement identification must be used.
IdContratoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement in PARI that, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field "Contract identification" included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.
IdInstrumentoCRC	[1-1]	Alphanumeric (up to 200 positions)	Variable relating to the credit agreement in PARI that, under the terms provided for in point 4.2.2. of Instruction No. 17/2018, must be reported to the Central Credit Register in the field "Instrument identification" included in "Block 2 – Contract/instrument". The specification of this variable is set out in the Technical and Operational Support Guide for reporting information to the Central Credit Register.

DataExtincaoPARI	[1-1]	Date	Date on which the institution ceases the steps associated with the PARI for the credit agreement. This field must be filled in in accordance with the format YYYY-MM-DD, where YYYY corresponds to the year, MM to the month and DD to the day. In the case of agreements where the field MotivoExtincao is filled in with codes I02, I03, I04 or I05, the date indicated in this field must coincide with the date of formalisation of the solution communicated, respectively, in the sections of Tables 10, 11A, 12 and 13.
MotivoExtincaoPARI	[1-1]	Alphanumeric (3 positions)	Code of the reason for extinction of the PARI, which corresponds to the reason why the institution ceased the steps associated with the PARI in relation to the credit agreement, in accordance with table I of Annex I.

In situations where the extinction of the PARI is justified by more than one of the reasons indicated in table I of Annex I, for the purposes of filling in the field "MotivoExtincaoPARI" of this section only the reason that is presented first in the following table should be indicated:

Code	Hierarchy of reasons for extinction of the PARI
	(Table I of Annex I)
I02	Renegotiated agreement
I03	Conclusion of a credit consolidation agreement
I04	Conclusion of a refinancing agreement
I05	Conclusion of an additional loan agreement
I10	Customer defaulted on the credit agreement
I11	Credit agreement was integrated into PERSI relating to another credit agreement
I01	No risk of default
I06	Bank customer does not have financial capacity
I07	Bank customer refused the proposal presented by the institution
I08	Institution refused the changes suggested by the bank customer to the proposal it presented
I09	Bank customer did not cooperate with institution (e.g.: failure to provide documentation)
I12	Other reason

In situations where an agreement is entered into that includes several solutions aimed at preventing default, institutions should only report the termination of the PARI, in this section and in sections Table 10 to Table 13, after all regularization solutions have been formalized. This situation may cause that, exceptionally, transactions formalized in reference periods prior to the one of the reporting in question are reported in sections Table 10 to Table 13.

E. Annex I – Reference lists

Table A – Credit categories

Credit Category		Code
Consumer credit (agreements covered by Decree-Law No. 133/2009)	Personal credit	Without specific purpose	AA01
		Home purpose	AA02
		Education purpose	AA03
		Health purpose	AA04
		Renewable energy purpose	AA05
		Consolidated credit without mortgage	AA06
		Equipment finance lease	AA07
		Credit for works	AA29
		Other purposes	AA08
	Car credit	Finance lease or ALD with purchase option or obligation: new	AA09
		Finance lease or ALD with purchase option or obligation: used	AA10
		With retention of title: new	AA11
		With retention of title: used	AA12
		Other: new	AA13
		Other: used	AA14
	Credit card	With free-float period	AA15
		Without free-float period	AA16
		Deferred debit card	AA17
	Credit line		AA18
	Bank current account		AA19
	Overdraft facility	With salary domiciliation and repayment term exceeding one month	AA20
		Without salary domiciliation and repayment term exceeding one month	AA21
		With salary domiciliation and repayment term equal to or less than one month	AA22
		Without salary domiciliation and repayment term equal to or less than one month	AA23
	Credit overruns		AA39
Contracts covered by Decreto-Lei n.º 74-A/2017	Housing credit with mortgage guarantee		AA30
	Housing credit without mortgage guarantee		AA31
	Real estate financial leasing		AA32
	Mortgage credit – Consolidated credit		AA33
	Mortgage credit – Car credit		AA34
	Mortgage credit – Other purposes		AA35
	Mortgage credit – Credit card		AA36
	Mortgage credit – Overdraft facility		AA37
	Mortgage credit – Other revolving credits		AA38
Consumer credit contracts covered by Decreto-Lei n.º 359/91	Personal credit		AA27
	Car credit		AA28

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Table B – Housing credit regime

Housing credit regime	Code
General credit regime	B01
Subsidized credit regime	B02
Credit regime for disabled persons	B03

Table C – Type of interest rate

Type of interest rate	Code
Fixed rate	C01
Variable rate	C02
Mixed rate	C03

Table D – Variable rate and mixed rate index

Variable rate and mixed rate index	Code
3-month Euribor	D01
6-month Euribor	D02
12-month Euribor	D03
Other	D04

Table E – Grace period / capital deferral

Grace period / capital deferral	Code
No grace period or capital deferral	E01
Capital grace period	E02
Capital and interest grace period	E03
Capital deferral	E04
Grace period and capital deferral	E05

Table F – Reason for initiating the PERSI

Reason for initiating the PERSI	Code
Default on the credit agreement – elapse of the 31 and 60 day period (Article 14(1) of Decree-Law No. 227/2012)	F01
At the request of the client who has defaulted (Article 14.º, No. 2, item a), of Decree-Law No. 227/2012)	F02
For default on a contract for which the client had already alerted to the risk of default (Article 14.º, No. 2, item b), of Decree-Law No. 227/2012)	F03
For default when another contract with the same institution was also already in default (Article 14.º, No. 3, of Decree-Law No. 227/2012)	F04
Other reasons	F05

Table G – Reason for termination of PERSI

Reason for termination of PERSI	Code
Payment of amounts in arrears	G01
Contract renegotiated	G03
Conclusion of a credit consolidation contract	G04
Conclusion of a refinancing contract	G05
Conclusion of an additional loan contract	G06
Payment in kind	G07
Declaration of insolvency of the client	G08
Attachment carried out or attachment order decreed in favor of third parties over the debtor's assets	G09
Banking client does not have the financial capacity to regularize the default situation	G10
Banking client refused the proposal to regularize the default situation	G11
Institution refused the changes suggested by the banking client to the proposal submitted by it	G12
Banking client did not cooperate with the institution (e.g.: failure to provide documentation)	G13
More than 90 days elapsed since integration into the PERSI process (without agreement)	G14
Other reason	G15

Table H – Reason for starting PARI

Reason for starting PARI	Code
Communication by the client of facts that indicate the risk of default	H01
Detection by the institution of indications of risk of default – Default on other credit contracts, inclusion on the list of cheque users who pose a risk, tax or social security debts, insolvency, judicial proceedings or attachment of bank accounts, unemployment, loss of income or performance of the sector of activity in which the banking client carries out their professional activity, among others	H02
Compliance with an obligation arising from a special legal regime	H03
Other reasons	H04

Table I – Reason for termination of PARI

Reason for termination of PARI	Code
No risk of default	I01
Contract renegotiated	I02
Execution of a debt consolidation contract	I03
Execution of a refinancing contract	I04
Execution of an additional loan contract	I05
Banking client does not have financial capacity	I06
Banking client refused the proposal presented by the institution	I07
Institution refused the changes suggested by the banking client to the proposal it presented	I08
Banking client did not cooperate with the institution (e.g.: failure to provide documentation)	I09
Client defaulted on the credit contract	I10
Credit contract was included in PERSI relating to another credit contract	I11
Other reason	I12

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F. Annex II – Example of information reporting

Example of an XML file for communication of the Default Report by an institution:

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</Quadro12> <Quadro13> <CodigoIC>9999</CodigoIC> <IdContratoOriginal>7200074600042784084</IdContratoOriginal> <IdContrato>7200074605892382084</IdContrato> <IdContratoOriginalCRC>7200074600042784084</IdContratoOriginalCRC> <IdInstrumentoOriginalCRC>5050100094</IdInstrumentoOriginalCRC > <IdContratoCRC>7200074605892382084</IdContratoCRC> <IdInstrumentoCRC>5050100094</IdInstrumentoCRC > <DataCelebracao>2021-09-09</DataCelebracao> <DataTermo>2026-07-05</DataTermo> <MntTotalCredito>9500.00</MntTotalCredito> <TipoTaxaJuro>C02</TipoTaxaJuro> <TAN>7.79200</TAN> <IndexanteTxJuro>D03</IndexanteTxJuro> <SpreadTxJuro>7.80000</SpreadTxJuro> <PerCarDif>E01</PerCarDif> <PrazoCarencia>0.00</PrazoCarencia> <Hipoteca>0</Hipoteca> </Quadro13> <Quadro14> <CodigoIC>9999</CodigoIC> <IdContrato>8200013000006187074</IdContrato> <IdContratoCRC>8200013000006187074</IdContratoCRC> <IdInstrumentoCRC>5050100094</IdInstrumentoCRC > <DataExtincaoPARI>2021-09-12</DataExtincaoPARI> <MotivoExtincaoPARI>I02</MotivoExtincaoPARI> </Quadro14> <Quadro14> <CodigoIC>9999</CodigoIC> <IdContrato>720000110009503456</IdContrato> <IdContratoCRC>720000110009503456</IdContratoCRC> <IdInstrumentoCRC>5050100094</IdInstrumentoCRC > <DataExtincaoPARI>2021-09-10</DataExtincaoPARI> <MotivoExtincaoPARI>I03</MotivoExtincaoPARI> </Quadro14> <Quadro14> <CodigoIC>9999</CodigoIC> <IdContrato>720000110009456556</IdContrato> <IdContratoCRC>720000110009456556</IdContratoCRC> <IdInstrumentoCRC>5050100094</IdInstrumentoCRC > <DataExtincaoPARI>2021-09-10</DataExtincaoPARI> <MotivoExtincaoPARI>I03</MotivoExtincaoPARI> </Quadro14> <Quadro14> <CodigoIC>9999</CodigoIC> <IdContrato>720000110008793675</IdContrato> <IdContratoCRC>720000110008793675</IdContratoCRC> <IdInstrumentoCRC>5050100094</IdInstrumentoCRC > <DataExtincaoPARI>2021-09-18</DataExtincaoPARI> <MotivoExtincaoPARI>I04</MotivoExtincaoPARI> </Quadro14> <Quadro14> <CodigoIC>9999</CodigoIC>

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[*] Annex amended by Instruction No. 10/2023, published in the BO No. 4/2023 3rd Supplement, of 28 April.

Index

Text of the Instruction

1. Object

2. Definitions

3. Credit categories

4. Characterisation of the information to be reported

5. Deadline applicable to the reporting of information

6. Form of reporting

7. Repealing provision

8. Transitional provision

9. Entry into force

Annex to the Instruction

Reporting of Non-Compliance – Communication model with entities covered by the reporting

A. Framework

B. Content

C. File transfer

D. Information structure (XML schema)

D.1. Header information

D.2. Body information

D.2.1. Table 1

D.2.2. Table 2

D.2.3. Table 3

D.2.4. Table 4

D.2.5. Table 5A

D.2.6. Table 5B

D.2.7. Table 6

D.2.8. Table 7

D.2.9. Table 8

D.2.10. Table 9

D.2.11. Table 10

D.2.12. Table 11A

D.2.13. Table 11B

D.2.14. Table 12

D.2.15. Table 13

D.2.16. Table 14

E. Annex I – Reference lists

Table A – Credit categories

Table B – Housing credit regime

Table C – Type of interest rate

Table D – Variable rate and mixed rate index

Table E – Grace period / capital deferral

Table F – Reason for initiating the PERSI

Table G – Reason for termination of PERSI

Table H – Reason for starting PARI

Table I – Reason for termination of PARI

F. Annex II – Example of information reporting

Lineage: Amended

Timeline