Instruction on the compilation and submission by banks of primary reports to identify and supervise the credit risk, DEB of the NBM no.54 of March 9, 2016

Annex no.1
to the Instruction on the compilation and submission by banks of primary reports to identify and supervise the credit risk ORD0317 Code form ORD 3.17 Daily report on granted credits and undertaken credit commitments as of _____20 Description No. Name/Name and surname of borrower/counterparty Identification number of borrower/counterparty Type of borrower/counterparty Sex of borrower Contract number Date of assuming exposure Contract amount Date of reimbursement Nominal interest rate Annual percentage rate of charge (APRC) Currency of the credit/credit commitment Currency linked to credit Credit/credit commitment branch Main type of insurance Value of type E insurance Value of type F insurance Value of type G insurance Value of type H insurance Value of type I insurance Value of type J insurance Value of type K insurance Value of type L insurance Value of type M insurance Value of type N insurance Value of type O insurance Value of type P insurance Value of type Q insurance Value of type R insurance Value of type S insurance Value of type T insurance Value of type U insurance Date of the last change of the due date Modified due date Date of the last renegotiation Balance of credit in credit currency No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 Format:
text/number/alphanumeric, etc.
Number
Text
Text
Number
Text
Text
Date
Number
Date
Number
Number
Text
Number
Data
Number
Field length (maximum number of characters)
10
100
20
2
1
50
8
8
10
8
5
5
3
2
1
10
8
10
Obligation to report: YES - in any event; NO -only if there is data / it is expressly requested YES (if the code 21 is indicated in column 4) YES NO YES YES NO YES (for credits whose due date has been changed) NO YES Examples 196 SATURN SA 1000000000000 11 m 80962707100 20141222 128748 20170502 15.35 25.35 498 840 20 U 2450654 128748

Description
Balance of credit in MDL
Balance of credit commitments
Classification category
Calculated credit allowances (basic amount)
Calculated credit allowances (interest and other income) Credit allowances to contingent liabilities Impairments formed according to IFRS Types of impairments according to IFRS Amount of instalments calculated Amount of instalments paid Credit past due days Amount of interest calculated Amount of interest paid Interest past due days Calculated commissions, but unpaid Type of interest rate Agreement of credit history subject Information on credit history IBAN Code Note Number of BIC account Branch code Risk weighting of 0% Risk weighting of 2% Risk weighting of 4% Risk weighting of 10% Risk weighting of 20% Risk weighting of 35% Risk weighting of 50% Risk weighting of 70% Risk weighting of 75% Risk weighting of 100% Risk weighting of 150% Risk weighting of 250% Risk weighting of 370% N o. 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 Format:
text/number/ alphanumeric
, etc.
Number
Number
Text
Number
Text
Number
Text
Number
Field length (maximum number of character s
)
10
10
1
10
1
10
10
4
10
10
4
10
1
24
50
30
11
10
20
Obligation to report:
YES

in any event; NO
only if there is data / it is
expressly requested
NO
YES
NO
YES
YES
NO
Ex ample s
0
2
116408
11651
1685
114954
1
0
2498
1
MD24AG000225100013104
168
MOBBLC00000000000
MOBBMD22609
0
116408
0

Description
Risk weighting of 1000%
Other risk weighting
Type of portfolio
Type of contracted credit facility
Credit life
Payment frequency
Scheduled payment amount
Account status
Amount of outstanding liabilities
Initial value discharged by collection or off-balance sheet (compromised amount) First past due date Account closing date Date of last payment ID series and number of the borrower/counterparty Date of birth/Date of registration Telephone ECOA Code Consumer information indicator Country code Residence address line 1 Residence address line 2 Place of residence Residence district/municipality ZIP code of residence Residence address indicator Residence code Facsimile Email N o . 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 Format:
te x t/number/ alphanumeric
, etc.
Number
Number
Text
Number
Text
Number
Number
Data
Text
Data
Number
Text
Field length (maximum number of characters)
20
20
1
2
3
1
9
2
9
9
8
15
8
20
1
2
2
32
32
20
2
9
1
1
20
30
Obligation to report: YES

in any event; NO
-only if there is data / it is expressly requested NO NO YES NO NO YES (for closed accounts) NO YES YES NO YES NO YES YES NO E x ample s 0 0 C 48 LOC Q 2510 11 1420151 20150630 A12345678 20031106 068123456 1 03 MD str.Cosmonautilor 55 Chișinău 01 MD2001 R 022101010

[Table in the wording of the Decision of the NB M no. 188 of 19.07.2017, in force of 01.01.2018 ] [Table amended by the wording of the Decision of the NBM no. 108 of 26.05.2022, in force 01.09.2022 ] Description Patronymic Domicile address line 1 Domicile address line 2 Place of domicile Domicile district/municipality ZIP code of domicile Legal entity full name Reorganized legal entities CRR_ID Group code Probability of default (PD) Loss on Default (LGD) Debt service-to-income-ratio/Total income ratio (DSTI) Unauthorised overdraft Net monthly income of the borrower Market value of collateral Loan-to-value ratio (LTV) Grace period (number of months) Standard deviation of instalments Re-financed credits Reporting date N o . 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 11 6 11 7 11 8 119 120 Format:
text/number/ alphanumeric
, etc.
Text
Number
Text
Number
Data
Field length (maximum number of characters)
20
32
32
20
2
9
500
150
100
500
9
9
5
2
10
2
8
1
8
Obligation to report: YES

in any event; NO
-only if there is data / it is expressly requested NO YES for PJ NO YES, for PF of branch 15 YES for PF of branch 15 YES Ex ample s SATURN joint stock company 52 15.20 1 5530 2795.085 0 20150307

Procedure of compiling the Daily report on granted credits and undertaken credit commitments

This report shall reflect the information on credits granted, on each credit separately, and the
information related to each undertaken credit commitments or instrument if they are granted under the same contract. Banks shall submit the report 3.17 as follows:
a) First reporting – starting with the date of entry into force of this Instruction (01.07.2016) until
10.07.2016 banks shall report on the entire credit portfolio as of 30.06.2016 in accordance with
the instructions below; b) Daily reporting – starting with the date of entry into force of this Instruction (01.07.2016) banks shall report daily (until 3:00 p.m. at the latest on the first working day that follows the day for which data is reported) information on loans, commitments or credit instruments, which registered at least one change in the data in columns 3, 12, 34, 35, 36, 38, 39, 83. The daily report shall include all the columns according to the report ORD 317, not only those that have recorded changes. Information shall not be recorded for credits, credit commitments or instruments that throughout the day recorded no changes in columns 3, 11, 33, 34, 36, 37, and 70; c) Monthly reporting - monthly, within no more than 8 working days from the last day of the previous month, banks shall report on credit portfolio and credit commitments fully assumed as of the last date of the previous reporting month. Monthly reporting of credit portfolio shall not affect the daily reporting or repeated reporting for data correction. The reporting of the monthly credit portfolio may be carried out both in full or in separate parts by indicating in column 120 "Reporting date" the last reporting date of the previous month; d) Repeated reporting - upon identification of errors in reporting, either by the bank or by the NBM, the banks shall adjust previously erroneously reported data. Repeated reporting shall be based on the same principles as daily reporting, by reporting all columns relating to credit, credit commitment or instrument that has been identified with errors in reporting. Replacing previously reported erroneous data shall be carried out by indicating in column 120 "Reporting date" the date for which the information is substituted; e) Reporting new credits - granting a new credit by the bank shall require a new entry in the loan portfolio that will trigger a daily reporting based on the model set out in letter b); f) Reporting closed credits – in case of closing a credit instrument, column 83 shall be completed by indicating the date of closing the account related to the record of the corresponding instrument, columns 36-43 and 59-73 shall be completed with the value 0(zero), and a daily reporting shall be initiated in accordance with the requirements set out in letter b). [Point 1 amended by the Decision of the NBM no. 117 of 18.04.2019, in force of 26.04.2019] [Point 1 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
Credits, financial leases or undertaken credit commitments (for the purpose of this report - "credits")
are divided into different categories depending on the branch and collateral. All credits shall be reflected, irrespective of their position of expiry or the ability to be collected. Credits sold by the bank without recourse or written-off shall not be reflected. In the event that a part of the credit has been sold, the part of the credit that remains at the reporting bank shall be reflected. In the case of fully paid credits, the related information shall be reported only once, at the next reporting after the respective event. When using the term “extended credit” it shall be taken into account the definition of “extended asset” from the Regulation on assets and contingent liabilities classification.
For the positions reflecting credit commitments, only the columns for which the bank holds
information shall be completed, the other columns shall not be filled in.
The amounts of this report shall be reflected without being diminished with the respective amounts
related to the value adjustments, allowances for impairment losses (loss of value) and calculated amount of allowances for assets/contingent liabilities classification in accordance with the Regulation on assets and contingent liabilities classification.
Column 1 No. shall reflect the order number of each entry in the table.
Column 2 Name/Name and surname of borrower/counterparty shall reflect the name/name and
surname of the borrower/counterparty that was registered into the information system of the bank and that obtained a credit from the bank. Resident legal entities are recommended to use the registered abbreviated name of the legal entity (source - official website of State Tax Service:
https://servicii.fisc.md/contribuabil.aspx).
Column 3 Identification number of borrower/counterparty shall reflect, as appropriate,
a) state identification number (numeric format) of the legal entity (IDNO), b) state identification number of individual (IDNP), c) fiscal code assigned by the fiscal body or d) identity document series and number if these are used according to the legislation in force as personal identification number. In case of non-resident legal entities, the state identification/registration number assigned by the competent body of the country of origin of the non-resident shall be indicated and in case of non-resident individuals – fiscal code of the country of origin or the series and number of the identity document, in the event that these are used/assigned as a personal identification number according to the legislation of the country of origin. [Point 7 completed by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
Column 4 Type of borrower/counterparty shall reflect the borrower/counterparty codification
according to the following categories:
“11” - resident legal entities, including individuals practicing entrepreneurial activity or individuals performing professional services, as well as those practicing professional activity in the justice sector; “12” - non-resident legal entities, including individuals practicing entrepreneurial activity or other type of activity; “21” - resident individuals; “22” - non-resident individuals. 8 1 . Column 5 Sex of the borrower shall reflect the sex of the borrower according to the nomenclature, as follows:
m – male; f - female
This column shall be filled in only by individuals.
Column 6 Contract number shall indicate the number of the credit contract concluded between the
bank and the borrower/counterparty (hereinafter “contract”). In the absence of a credit contract (unauthorized overdraft) the bank may indicate where appropriate: "F/N", "without number" or any other random codification at own discretion. In the case of ceiling/framework credit contracts, the number of ceiling/framework contract shall be indicated, while for the annexes/additional agreements to them, based on which a new credit product appears within the limit of the amount stipulated by the ceiling/framework credit contract, the number of the credit contract provided for in the annex/additional agreement shall be

indicated. Once assigned, the contract number shall not be changed, including in the case of extending/restructuring the credit/or changing other conditions of the existing product.
10. Column 7 Date of assuming exposure shall reflect the initial date of assuming
exposure (date of contract signing) in the following format: yyyymmdd (e.g. 20141222). In the absence of a credit contract (unauthorized overdraft), the date of registering the credit shall be indicated (overdraft) in bank's balance sheet. In the case of ceiling/framework credit contracts, the date of signing the contract regarding the establishment of the credit limit shall be indicated, while for each credit product offered based on the ceiling/framework credit contract, it shall be indicated the date of signing the
annex/additional agreement to the ceiling/framework credit contract based on which a new credit product
appears within the limit of the amount provided by the ceiling/framework credit contract.
11. Column 8 Contract amount shall indicate the amount in the currency specified in the credit contract.
In case of multi-currency credits, the given column shall be completed only for the credit granted in the base currency according to the credit contract, for credits granted in currencies other than the base one, the column shall indicate zero. Zero shall be indicated for unauthorised overdrafts. [Point 9, 10, 11 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
12. Column 9 Date of reimbursement shall reflect the final maturity date of the credit/credit
commitment according to the initial contract (until prolongation or renegotiation, if any), in the following format: yyyymmdd (e.g. 20170502). In the case of credits granted through credit cards, without maturity (lifetime credit card), it shall be indicated a maturity over 10 years from the reporting date (e.g. Reporting date - 20151231, maturity - 20251231). In the case of unauthorised overdrafts on debit cards accounts, the reimbursement date shall be the date on which the unauthorised overdraft was permitted, if the bank has no own regulations for the establishment of such reimbursement date.
13. Column 10 Nominal interest rate (%) shall reflect the nominal interest rate on the reporting date. It
shall be indicated in numeric format, using the point (.) as decimal separator, without including the percentage sign (%) (e.g. 15.35). 13 1 Column 11 Annual percentage rate of charge shall reflect the annual percentage rate on the reporting date. It shall be indicated in numeric format, using the point (.) as decimal separator, without including the percentage sign (%) (e.g. 15.35). This column shall only be completed for the situation on the last day of the month. In the case of a new credit instrument, the given column shall be completed on the day of its issue, with the monthly adjustment within the term and according to the description above. [Point 131 in the wording of the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
14. Column 12 Credit/credit commitment currency shall reflect the numeric code of the currency in
which the credit/credit commitment currency was granted (e.g. 498, 840, 978).
15. Column 13 Currency linked to credit shall reflect the numeric code of the currency to which the
exposure is linked. This column shall be filled in if the credit extended in MDL is linked to the exchange rate of a foreign currency, indicating the currency code that was linked to the credit (e.g. 840, 978).
16. Column 14 Credit/credit commitment branch shall indicate the branch/field in which the borrower
/counterparty is working. Only one of the categories indicated below shall be reflected, the one with the highest share:
01 – Credits granted to agriculture - according to the characteristics of the group of accounts 1230.

02 – Credits granted to food industry - according to the characteristics of the group of accounts 1240. 03 – Credits granted to constructions - according to the characteristics of the group of accounts 1260. 04 – Consumer credits - according to the characteristics of the group of accounts 1290. 05 – Credits granted to energy industry - according to the characteristics of the group of accounts 1320. 06 – Overnight and overdraft credits granted to banks - according to the characteristics of the group of accounts 1330 and 1340. 07 – Credits granted to banks - according to the characteristics of the group of accounts 1350. 08 – Credits granted to financial institutions from state budget - according to the characteristics of the group of accounts 1360. 09 – Credits granted to National Social Insurance House/National Health Insurance Company - according to the characteristics of the group of accounts 1370. 10 – Credits granted to Government - according to the characteristics of the group of accounts 1380. 11 – Credits granted to administrative-territorial units/institutions subordinated to administrative territorial units - according to the characteristics of the group of accounts 1390. 12 – Credits granted to productive industry - according to the characteristics of the group of accounts 1410. 13 – Credits granted to trade - according to the characteristics of the group of accounts 1420. 14 – Credits granted to non-banking financial sector - according to the characteristics of the group of accounts 1430. 15 – Credits granted for purchasing/building real estate - according to the characteristics of the group of accounts 1440. 16 – Credits granted to non-commercial organizations - according to the characteristics of the group of accounts 1450. 17 – Credits granted to individuals performing an activity - according to the characteristics of the group of accounts 1460. 18 – Credits granted to transport, telecommunications, and network development - according to the characteristics of the group of accounts 1470. 19 – Credits granted to services sector - according to the characteristics of the group of accounts 1310. 20 – Other granted credits - according to the characteristics of the group of accounts 1490, 1510 and other that are not reflected above. Credits combining forms of: (overnight and term) placements with the reimbursement term expired stipulated in the legal document concluded between the parties, REPO agreement forms, placements - guarantees, financial lease, credit commitment, shall be classified according to the characteristics of the group of accounts mentioned above. [Point 16 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
17. Column 15 Main type of insurance shall reflect the main source of insurance for each exposure
credit, using the encoding system below. If several types of insurance are used, this column shall reflect the main type of insurance. In determining the main type of insurance, the bank shall consider the volume of insurance covering the most part of the credit. If there are several types of insurance, with the same value, the main type of insurance shall be considered the insurance with the highest quality, determined according to the bank's own policies. D - no insurance; E – residential property; F - commercial property; G - land;

H - personal property, including jewellery;
I - means of transport (including leased), motorized and non-motorized agricultural machinery of individuals and legal entities; J - machinery, equipment; K - bank deposits/part of loan used to secure the granted credit; L - debt instruments and/or capital instruments (except instruments from the position N and S); M - livestock, food, agricultural and vegetable products; N - shares of other banks; O - suretyship; P - receivables, flow of funds from current accounts; Q - future goods (in the producing process, to be procured/imported in the country, future years harvest, etc.); R - guarantees of the Government of the Republic of Moldova or of the Government of a state-member of Economic Co-operation and Development Organization; S - state and NBM securities; T - guarantees of the international organizations and multilateral development banks; U - other. The main type of the guarantee shall be determined starting from the values calculated according to the specifications in the columns 16-32. Suretyship, receivables, flow of funds from current accounts and future goods (in the producing process, to be procured/imported in the country, future years harvest, etc.) shall be reported as main types of guarantees only if for the respective exposure there is no other type of guarantees that covers at least 50% of the exposure value. For the borrowers for whom the receivables represent the basic asset (leasing companies, microfinance organisations etc.), the establishment of the guarantee on the receivables can be reported as the main type of guarantee. With reference to the real estate, when determining the type of guarantee, the bank shall consider the following: (1) the category of immovable property with residential purpose refers to residential rooms (apartments, dorm rooms), individual houses and other dwellings occupied by the owners or tenants of the dwellings; (2) the land category refers to plots of land, without constructions registered in the Real Estate Register, intended for construction, agricultural, garden, non-productive land, orchard plot, special purpose, landscaped land, land used as communication road, land used as forest fund, land used as water fund, land with mining exploitation purpose; (3) the rest of the immovable goods not mentioned in point (1), (2) refer to the category of commercial real estate, including housing blocks, multi-year plantations registered in the Real Estate Register. [Point 17 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022] [Point 17 completed by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
18. Column 16 - 32 shall indicate the value of insurance, considering its type, in Moldovan Lei, according
to the collateral contracts related to the credit/credit commitment. The lowest value of the collateral value (according to the collateral contract) and the market value according to the last independent valuation report for immovable goods or the last bank valuation report for movable goods shall be indicated. If the good is pledged for two or more credits/credit commitments, its value shall be divided proportionally for these credits, depending on credit balance on the reporting date, so that the value of the collateral is not doubled. E.g.: Collateral value MDL 1000000.00

Credit 1: MDL 200000.00;
Credit 2: MDL 300000.00;
Credit 3: MDL 100000.00;
Total balance of credits: MDL 600000.00
Share of credit 1: (200000.00/600000.00)=0.33
Share of credit 2: (300000.00/600000.00)=0.5
Share of credit 3: (100000.00/600000.00)=0.17
Collateral distribution, credit 1: 1000000.000.33=330000.00 (MDL); Collateral distribution, credit 2: 1000000.000.5=500000.00 (MDL); Collateral distribution, credit 3: 1000000.00*0.17=170000.00 (MDL). If the proposed apportionment formula is impossible to apply, the banks may use other formulas for allocating the collateral, if such cases are documented (in internal procedures, credit contract, collateral contract, etc.). For the following types of guarantees: O – suretyship and Q – future goods, the value “0” shall be indicated. [Point 18 completed by the Decision of the NBM no. 108, of 26.05.2022, in force of 01.09.2022]
19. Column 33 Date of last change of the due date shall reflect the last extension date according to the
definition „extended asset” of the Regulation on assets and contingent liabilities classification or in case of other changes on maturity. The submission format shall be as follows: yyyymmdd (e.g.20150131). This column shall be filled in only if the credit/credit commitment was extended or other maturity changes occurred.
20. Column 34 Modified due date, in case of prolongation (or other changes in maturity) shall reflect the
final maturity in the following format: yyyymmdd (e.g. 20170502). This column shall be filled in only if column 32 is filled in. [Point 14-20 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022] 201 Column 35 Date of the last renegotiation shall reflect the date of the last renegotiation, according to the definition “renegotiated asset” of the Regulation on asset and contingent liabilities classification. The format shall be as follows: yyyymmdd (e.g. 20150131). This column shall be filled in only if the deadlines for making expired payments have been changed for the credit/credit commitment. [Point 201 in the wording of the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
21. Column 36 Balance of credit in credit currency shall reflect the gross amount outstanding in the
balance in credit currency on the reporting date. Credit contracts with zero balance having the ability to increase the balance shall be indicated as credit contracts with balance zero.
22. Column 37 Balance of credit in MDL shall reflect the gross amount outstanding in the balance on
the reporting date, the amount in foreign currency recalculated in MDL using the official exchange rate of MDL. Credit contracts with zero balance having the ability to increase the balance shall be indicated as credit contracts with balance zero.
23. Column 38 Balance of credit commitments shall reflect the balance of credit commitments
according to the contract, the amount in foreign currency being recalculated in MDL using the official

exchange rate of MDL. For the credit commitment assumed and partially disbursed, the given column shall be completed with the amount of the commitment that was not disbursed.
24. Column 39 Classification category shall reflect the risk category on the reporting date, depending on
the credit classification according to the Regulation on assets and contingent liabilities classification. The classification category shall be indicated as following:
0 – not subject to classification;
1 – standard;
2 – supervised;
3 – substandard;
4 – doubtful (uncertain);
5 – compromised (losses).
25. Column 40 Calculated credit allowances (basic amount) shall reflect the amount of allowances for
credit loss calculated by the bank according to the Regulation on assets and contingent liabilities classification. It shall be reflected the amount of allowances to the basic amount of the credit, the amounts in foreign currency being recalculated in MDL using the official exchange rate. 251 Column 41 Calculated credit allowances (interest and other income) shall reflect the amount of allowances calculated to credits (interest and other income) by the bank according to the Regulation on asset and contingent liabilities classification. It shall be reflected the amount of allowances for interest and other income, the amounts in foreign currency being recalculated in MDL using the official exchange rate. 252 Column 42 Credit allowances to contingent liabilities shall reflect the amount of allowances for contingent liabilities losses calculated by the bank according to the Regulation on asset and contingent liabilities classification. It shall be reflected the amount of allowances to the basic amount of the contingent liability, the amounts in foreign currency being recalculated in MDL using the official exchange rate. 253 Column 43 Impairments formed according to IFRS shall reflect the amount of allowances for expected losses from the impairment of the financial asset calculated according to the International Financial Reporting Standards, reflected in the bank’s balance sheet, the amounts in foreign currency being recalculated in MDL using the official exchange rate. This column shall be filled in only for the situation on the last day of the month based on the balances of the impaired financial asset from that date, with the adjustment, for the last day of the month, for the entire bank portfolio of the values of this column. [Point 25 3 amended by the Decision of the NBM no. 108 of 25.05.2022, in force of 01.09.2022] 254 Column 44 Type of impairment according to shall reflect the type of impairment formed as follows:
0 – assets without a significant increase in credit risk after initial recognition (stage 1); 1 – assets with a significant increase in risk credit after initial recognition, but not impaired (stage 2); 2 – impaired assets due to credit risk (stage 3).
26. Column 45 Amount of instalments calculated shall reflect the amount of instalments that would
indicate the amount to be paid by the borrower to the principal according to the schedule shown in the

credit contract from its issue until the reporting date in the currency of the asset/contingent liability. In the case of credit lines, it shall be reflected the difference between the amount of credit contract and maximum accepted limit, according to such agreement on the reporting date. Where revolving credit lines granted to individuals on cards record overdue days for payment of instalments, the given column shall reflect the result of the following formula: the amount of the contract - due credit balance + outstanding credit balance. In the case of products without payment schedule (authorised and authorised overdrafts on debit cards, outstanding debts on credit cards, etc.), it shall be indicated the outstanding amounts as at the reporting date.
27. Column 46 Amount of instalments paid shall reflect the amount of instalments paid de facto by the
borrower for the principal amount from the date of issue of the credit up to the reporting date in the currency of asset/contingent liability. In the case of credit lines, it shall be reflected the difference between the amount of credit contract and outstanding balance according to such agreement as at the reporting date. For the products without payment schedule (authorised and authorised overdrafts on debit cards, outstanding debts on credit cards, etc.), it shall be indicated zero.
28. Column 47 Credit past due days shall reflect the number of late days for the payment of instalments,
calculated (if any arrears) from the day that the instalment would be paid. It shall be reflected only in case of arrears, otherwise it shall be indicated "0".
29. Column 48 Amount of interest calculated shall reflect the amount of interest effectively calculated
(increased) from the date the credit was issued according to the schedule stipulated in the credit contract until the reporting date, including the increased interest on outstanding debts in the currency of the asset/contingent liability.
30. Column 49 Amount of interest paid shall reflect the amount of interest paid de facto by the borrower
from the date the credit was issued until the reporting date, including the increased and paid interest on overdue debts in the currency of the asset/contingent liability.
31. Column 50 Interest past due days shall reflect the number of late days for the payment of interests,
calculated (if any arrears) from the day the interest was to be paid. It shall be reflected only in case of arrears, otherwise it shall be indicated "0".
32. Column 51 Calculated commissions, but unpaid shall reflect the total amount of commissions
calculated, but unpaid related to the credit granted and/or credit commitment undertaken, in the currency of the asset/contingent liability. 321 Column 52 Type of interest rate shall reflect the type of interest rate according to the established nomenclature:
0 – flat;
1 – floating;
2 – mixt;
3 – without interest.
The mixt interest rate represents a combination of the first two types of interest rate, applied separately, for different periods of the credit contract.

Column 53 Agreement of credit history subject shall answer to the question whether the consent of
the credit history subject has been obtained for presenting information to Credit History Bureau ("yes" - 1 or "no" - 0). In the event of the impossibility (proven based on documents) of obtaining the approval or disapproval from the client, it shall be indicated "2".
Column 54 Information on credit history shall answer the question whether the bank holds
information on credit history for the subject of the credit history.
0 - information is missing;
1 - held information prior to credit granting; 2 - held updated information, annually, after credit granting or contractual conditions changing.
Column 55 IBAN code shall reflect the IBAN code set in accordance with the NBM regulations or, in
the absence of the IBAN, the number of the analytical code shall be reflected.
Column 56 Note may reflect additional data or explanations on the borrower, if these are relevant, up
to 50 characters.
Column 57 BIC account number shall reflect the unique and complete account number of the credit
history subject as it exists in the records of the source of formation of credit histories, accompanied by the first four characters of the BIC identification code of the source of formation of credit histories.
Column 58 Branch code shall reflect the code of the branch in AIPS in the balance sheet of which the
credit is reflected.
[Point 21-38 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
Columns 59-73 Risk weighting of 0% / 2% / 4% /10% / 20% / 35% / 50% / 70% / 75% / 100% /
150% / 250% / 370% / 1000%/ Other “risk weights” shall reflect the amount of risk weighted assets, depending on their type and the type of the collateral, calculated according to the Instruction on submission of COREP reports by banks for supervisory purposes, form C 07.00 – Credit Risk, Counterparty credit Risk and incomplete transactions: Standardised approach to capital requirements (CR SA) – Breakdown of total exposures by risk weights (Column 200 – Value of exposure). The columns shall be completed in MDL or the equivalent in MDL recalculated at the official exchange rate of the National Bank or at the exchange rate of the bank for the currency linked credits for which it is provided another exchange rate under the contract. If, depending on the collateral, the credit or undertaken credit commitment is classified into different weighting categories, then it shall be divided appropriately according to the provisions of the mentioned instruction. This column shall be completed only for the situation on the last day of the month based on balances of credit/credit commitments as of the respective date, adjusted the value of this column for the last day of the month for the entire portfolio of the bank. In the case of a new debt instrument, the respective column shall be filled in on the day of its occurrence, adjusting monthly within the period and description above. Daily dynamics between reporting dates determined by the exchange rate, the changes in the balance etc. shall not be reported, so daily reporting shall not be determined by the changing values in these columns. [Point 39 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
Columns 74 - 107 shall reflect data presented to the Credit History Bureau in accordance with the
provisions of the law and the Reporting Nomenclature to the Credit History Bureau, as well as the available data on customers that have not agreed to present the information to the Bureau. In case of changes in the Reporting Nomenclature by the Credit History Bureau, such changes shall be also applied

to reporting to the NBM. In the case of borrowers that have agreed to present the information to the Credit History Bureau, it shall be presented to the NBM the same information that has been submitted to the Bureau. In the case of borrowers that have not agreed, it shall be presented only the information available at the bank, if it is possible to be reported according to the nomenclature of the Credit History Bureau and/or in accordance with additional specific requirements, requested by the NBM. [Point 40 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
41. Column 108 CRR_ID shall reflect the unique identification code of the credit/credit commitment
assigned by the bank's information system. The unique identification code cannot be assigned to another credit/credit commitment than the one to which it has been initially assigned, including in the case of making changes to the conditions of the credit/credit commitment and will be reused only in the case of restoring the previous asset to the balance sheet switched to losses or in cases of re-opening of the new overdraft limit on the same debit and/or credit accounts and the issuance of new unauthorized overdraft debt on the same debit cards. In view of ensuring uniqueness within the banking system, the unique identification code will necessarily start with the alphanumeric code assigned to the bank by the NBM and which consists of 2 characters. 411 Column 109 Group code shall reflect all the identification codes of groups of connected persons or individuals (individuals and/or legal entities who are not part of a group of connected persons) of which each borrower is a member, the codes being space separated. The code shall be reflected for each exposure, so that the same group code shall be use for all exposures of a person or a group of people. The identification of the group of connected persons shall be carried out based on the provisions of the Regulation on “large” exposures. The code assigned to the groups submitted in the COREP report “C
27.00 – Identification of the counterparty” must be identical to the numerical part of the code of the same
group reported according to this Instruction and cannot vary from one period to another. It is not allowed to assign the code of a group that disappeared/no longer exists in the portfolio on the reporting date to a new group. The assignment of the same code can only occur if a disappeared group reappears after a period of time. If the group is separated into two or more groups of borrowers, the banks shall keep the initial code of the group for the largest part of the exposure and assign a new code for the smaller part. Likewise, in the case of the merger of two or more groups, the banks shall assign to the newly formed group the code of the group that had the highest exposure, using the same approach in all subsequent cases. Completing the given column is mandatory for each borrower, both in the daily and monthly reports. In the event of granting a new credit, the code of the group to which the borrower belongs will also be filled in. If the normative acts in force do not provide for the accumulation of such information, the bank shall ascertain the membership of the group as the relevant information appears. Regarding the way of establishing the group codes, in order to ensure uniqueness, the unique identification code shall start with the bank's identifier consisting of 2 characters (alphanumeric), used at the formation of the IBAN codes, assigned by the National Bank of Moldova. [Point 411 amended by the Decision of the NBM no. 117 of 18.04.2019, in force of 19.06.2019] 412 . Column 110 Probability of default (PD) shall reflect the probability that a counterparty will default within one year, in accordance with the provisions of IFRS 9, expressed in %.

413 Column 111 Loss on Default (LGD) shall reflect the ratio between the loss on an exposure due to the default of a counterparty and the amount due in case of default, in accordance with the provisions of IFRS 9, expressed in %. [Point 41, 411 , 412 , 413 , amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022] 414 Column 112 Debt service to income ratio/Total income ratio (DSTI) shall reflect the ratio between the value of the monthly costs of maintenance the borrower’s total debt (payment of the principal, interest and other payments, if any) and the net monthly income of the borrower, on a regular and official basis (for which there is documentary evidence), expressed in %. “The value of the monthly costs of maintenance the borrower’s total debt” shall be established as the monthly average of maintenance the credit costs for the next 12 months (or as the average for the remaining months until maturity, if their number is less than 12), including arrears existing at the reporting date. As regards to the borrower’s monthly net income, in the case of individuals, the bank shall consider the average monthly net income used when granting the credit, while in the case of legal entities – the average monthly net profit, without deducting the credit maintenance costs/credits (interest, commissions, other expenses related to credits) and income tax. Filling in column 112 is mandatory for each borrower, both in the daily and monthly reports. DSTI shall be calculated and reported based on data held by the bank at the time of granting the credit and shall be updated upon receipt of the updated data on the individual’s income, annually, upon submission of the financial statements by the borrower, in the case of legal entities and in the case of other changes of the income or the costs of maintaining the credit/credits. [Point 414 completed by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022] 415 . Column 113 Unauthorised Overdraft shall answer the question whether the credit is an unauthorised overdraft (by “yes” – 1 or “no” – 0). [Point 415 amended by the Decision of the NBM no.108 of 26.05.2022, in force of 01.09.2022] 41 6 . Column 114 Net monthly income of the borrower shall reflect, in the case of individuals, the average monthly net income of the borrower (and of the co-borrower if stipulated in the contract) for the last 6 available months, but no more than 12 months until the submission of the application for credit, on a regular and official basis (for which there is documentary evidence) used when granting the credit, and in the case of legal entities – the average monthly net profit, until the deduction of the expenses for maintaining the credit/credits (interest, commissions, other expenses related to credits) and income tax. The indicator shall be updated at least when the bank obtains (in accordance with internal regulations) the updated information on the borrower’s income – for individuals,
and upon receipt of the annual financial statements - for legal entities, as well as in case of other changes in income. The income of other members of the borrower’s family and/or the guarantor’s income are not included, except a co-borrower exists. 417 . Column 115 Market value of collateral shall reflect the market value of the immovable property that is the subject of the pledge, according to the latest valuation report drawn up by an independent assessor owned by the bank. If the property is pledged for two or more credits/credit commitments, its value is divided proportionally among these credits, depending on the balance of the credits at the reporting date, so that the value of the pledge does not double.

The reported value shall be reflected in MDL or recalculated in MDL using the official exchange rate and must be reported for credits granted to individuals from branch 15 – credits granted for the procurement/construction of the property – according to the characteristics of account group 1440. Additionally, the bank may report the indicator for other credits as well. 418 . Column 116 Loan-to-value ratio (LTV) shall reflect the ratio, expressed in %, between the credit balance (the equivalent in MDL) and the value of the pledged property, which is defined as the equivalent in MDL of the lowest of the following two values:

the market value of the pledged property – the market value according to the Regulation no. 111/2018
on the treatment of banks’ credit risk using standardised approach (the value reported in column 114);
the price of the pledged property – the price of the property, specified in the sale-purchase contract (if
there is such a contract no older than 6 months) of the respective asset.
If the property is pledged for two or more credits/credit commitments, the value of the property shall be divided proportionally among these credits, depending on the balance of the credits at the reporting date, so that the value of the pledge does not double. The indicator must be calculated and reported for credits granted to individuals from branch 15 - credits granted for the procurement/construction of property – according to the characteristics of account group

The indicator shall be recalculated with the change in the market value of the guarantee based on an
evaluation report issued by an independent valuation company. Additionally, the bank may report the indicator for other credits as well. 419 . Column 117 Grace period (number of months) shall reflect the longest period of consecutive months granted as grace period to reimburse the principal, expressed in whole months. If the grace period is less than 15 days, it shall not count towards the number of months granted as grace. This column shall not undergo changes throughout the whole life of the credit, unless an additional agreement to the credit contract granting a longer grace period is signed, being reported the longest grace period according to the latest changes. 4110 Column 118 Standard deviation of instalments shall reflect the result obtained according to the formula below, which represents the uniformity of the distribution of the instalments calculated as the sum of the principal and the related interest (the distance of the instalments from their arithmetic average):
where:
N – total number of remarks (instalments)
X¡ = value of each remark (instalments)
µ = average value of data set (instalments)

4111
. Column 119 Re-financed credit shall reflect whether the credit has been granted for the purpose of refinancing a credit of a borrower from another bank or from a non-banking financial company (by “yes” – 1 or “no” – 0) [Point 416 -4111 in the wording of the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]
42. Column 120 Reporting date shall reflect the date of the operational day for which data were reported
in columns 2-11 in the following format: yyyymmdd (e.g. 20150307).
[Point 42 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022] [Point 43-44 repealed by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]

Annex no.2
to the Instruction on the compilation and submission by banks of primary reports to identify and supervise the credit risk ORD0317A Code form ORD 3.17A Report on persons affiliated with large borrowers as of _____20 Description Reporting date No. Identification code of the large borrower of the bank Name/Name and surname of the person affiliated with Identification code of the person affiliated with Name/Name and surname of the person affiliated with the borrower Identification code of the person affiliated with the borrower Type of person affiliated with the borrower Affiliation criterion Share (%) No. 1 2 3 4 5 6 7 8 9 10 Format:
text/number/alphanumeric, etc.
Date Number Number Text Number
Field length (maximum number of characters) 8 4 20 500 20 500 20 2 2 6 Obligation to report: YES - in any event; NO - only if there is data/it is expressly requested YES NO

Guidelines on drafting the Report on persons affiliated with large borrowers

This report shall reflect the information about the affiliated persons with the 20 largest bank individual
borrowers at the end of the month. In determining the largest borrowers of the bank, it shall be taken into consideration the gross amount of credits and contingent liabilities. The bank's list of the 20 largest borrowers shall include individuals and legal entities, except banks (resident or non-resident) and public administration authorities (municipalities, mayoralties, etc.). Banks shall fill in the report at least with the information gathered in accordance with the Regulation on bank’s activity management framework. Additionally, the banks shall also report the auxiliary information gathered on affiliated persons with its 20 largest borrowers, which is not covered by the Regulation mentioned above, if such information is available.
Column 1 Reporting date shall reflect the last calendar day of the reporting month for which the
information is reported in the following format: yyyymmdd (e.g. 20150331).
Column 2 No. shall reflect the order number of the registration in the report.
Column 3 Identification code of the large borrower of the bank shall reflect, as appropriate, the
state identification number of the legal entity (IDNO) or of the individual (IDNP) for the bank's borrowers that are part of the 20 largest individual borrowers of the bank on the last calendar day of the reporting month for which the information is reported.
Column 4 Name/Name and surname of the person affiliated with shall reflect the name/name and
surname of the person with whom the affiliated person is reflected in Column 6 and 7 according to the affiliation criterion indicated in Column 9. It is recommended to use the registered abbreviated name of the legal entity (source - official website of State Tax Service: https://servicii.fisc.md/contribuabil.aspx). Data on the person from Column 4 and 5 shall be repeated for all its affiliated persons indicated in Columns 6 and 7.
Column 5 Identification code of the person affiliated with shall reflect the identification code of the
person indicated in Column 4, as appropriate, the state identification number (numeric format) of the legal entity (IDNO), state identification number of the individual (IDNP), fiscal code assigned by the tax authority or the series and number of the identity document in the event that these are used/assigned according to the legislation in force as personal identification number to the persons affiliated with the large borrower of the bank. In case of non-resident legal entities, the identification number/state registration number assigned by the competent body of the country of origin of the non-resident shall be indicated, while in case of non-resident individuals – the fiscal code of the country of origin.
Column 6 Name/Name and surname of the person affiliated with the borrower shall reflect the
name/name and surname of the person affiliated with the person indicated in Column 4 and 5 that is directly or indirectly affiliated with the bank's borrower. It is recommended to use the registered abbreviated name of the legal entity (source - official website of State Tax Service:
https://servicii.fisc.md/contribuabil.aspx).
Column 7 Identification code of the person affiliated with the borrower shall reflect the
identification code of the person indicated in Column 6, as appropriate, the state identification number (numeric format) of the legal entity (IDNO), state identification number of the individual (IDNP), fiscal code assigned by the tax authority or series and number of the identity document in the event that these are used/assigned according to the legislation in force as personal identification number. In case of nonresident legal entities, the identification number/state registration number assigned by the competent body

of the country of origin of the non-resident shall be indicated and in case of non-resident individuals – the fiscal code of the country of origin.
9. Column 8 Type of person affiliated with the borrower shall reflect the code of the person affiliated
with the bank's borrower, indicated in Column 6 and 7, based on the categories below:
“11” - resident legal entities, including individuals who perform entrepreneurial activity or persons who provide professional services, as well as persons who practice professional activity in the justice sector; “12” - non-resident legal entities, including individuals who practice entrepreneurial activity or other type of activity; “21” - resident individuals; “22” - non-resident individuals;
10. Column 9 Affiliation criterion shall reflect the affiliation criterion, taking into consideration the
provisions of item 2 of the Regulation on bank transactions with affiliated persons, based on the codification below:
01 – for administrators of legal entities (member of Board, executive body, audit committee of the legal entity, administrator of branch, as well as the person whose function, according to the internal structure of the respective legal entity, includes the duty of the attribution of representation, independently or together with other persons, of the legal entity when signing legal documents directly related to the conduct of its main activity); 02 – for the person holding control over the legal entity; 03 – for the person that is under the control of the legal entity; 04 - for the person that is, together with the legal entity, under the control of another person; 05 - for the person affiliated with the individual who, according to the civil law, is linked with the individual through first and second degree of kinship; 06 - for the person affiliated with the individual who, according to the civil law, is his/her spouse; 07 - for the person affiliated with the individual who has direct or associate interest in a participation; 08 - for the legal entity, affiliated with the individual, on which the individual and its affiliated persons exercise control individually or jointly. 09 - for the person affiliated with the individual specified in item 01; 10 - for the person affiliated with the individual specified in item 02; 11 - for the person affiliated with the individual specified in item 03; 12 - for the person affiliated with the individual specified in item 04; 13 - other criteria for individuals and legal entities, which are not specified above. If a person can meet several affiliation criteria, in the report shall be indicated the first code of the criteria according to the above-mentioned list.
11. Column 10 Shareholding (%) shall reflect the size of the share if the affiliation is determined by
exercising control through holding a shareholding in the capital of the legal entity. It shall be indicated in numeric format with 2 decimals, without including the sign (%) (e.g. 55.12).
12. Periodicity of submission of the report - monthly.
13. The deadline for submission of the report - not later than the 15th of the following month.
[Annex no. 2 amended by the Decision of the NBM no.108 of 26.05.2022, in force of 01.09.2022] [Annex no. 2 amended by the Decision of the NBM no.90 of 03.05.2018, in force of 18.05.2018]

Annex no.3
to the Instruction on the compilation and submission by banks of primary reports to identify and supervise the credit risk ORD0317B Code form ORD 3.17B Report on collateral for large borrowers as of _____20 [Table in the wording of the Decision of the NBM no. 188 of 19.07.2017, in force of 01.01.2018] Description No. Number of collateral contract Date of contract signing Type of guarantee Identification number of the borrower Name / Name and surname of the borrower Date of last assessment Market value Value of collateral Value of collateral on credit Identification number of assessor Name of assessor Identification number of the insurer Name of the insurer Insurance policy expiration date Description of the asset (address)/insurance/other information CRR_ID Cadastral code Reporting date No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 Format:
text/number/alphanumeric, etc.
Numbe r
Text Date Text Numbe r
Text Date Numbe r
Numbe r
Numbe r
Numbe r
Text Number Tex t
Number
Text Text
Numbe r
Dat e
Field length (maximum number of characters)
3 20 8 1 20 500 8 10 20 500 20 500 8 400 1000 20 8 Obligation to report: YES - in any event; NO -only if there is data / it is expressly requested YES NO DA NO YE S Example 1 No.17-B 2014122 2 U 1000000000001 ” Debitor SA” 20141222 12874 8 22874 8 22874 8 1234567890123 "Evaluator" SRL 1234567890124 "Asigurator" SRL 20161231 Property with an area of 150 square meters. Located at the address:
5
Independenţe i str., ap.107,
Chişinău
CMD201802445
245632
2
20160630

Guidelines on drafting the Report on collateral for large borrowers

This report shall reflect the detailed information about the collateral of the bank’s 20 largest individual
borrowers at the end of the month. The information in the report is structured by type of collateral, regardless of whether several types of collateral are created under a single contract.
Column 1 No. shall reflect the order number of each entry in the table.
Column 2 Number of collateral contract shall reflect the number assigned to the collateral contract by
the bank and pledging borrower.
Column 3 Date of contract signing shall reflect the date on which the collateral contract was signed by
the bank and the pledging borrower (in the format yyyymmdd).
Column 4 Type of guarantee shall reflect the type of insurance according to the nomenclature below
for each collateral separately.
D - no insurance;
E - residential real estate;
F - commercial real estate;
G - land;
H - personal property, including jewellery;
I - means of transport (including leased), motorized and non-motorized agricultural machinery of individuals and legal entities; J - machinery, equipment; K - bank deposits/part of loan used to secure the granted credit; L - debt instruments and/or capital instruments (except for the instruments in the N and S positions); M - livestock, food, agricultural and vegetable products; N - shares of other banks; O - suretyship; P - receivables, flow of funds from current accounts; Q - future goods (in the producing process, to be procured/imported in the country, future years harvest, etc.); R - guarantees of the Government of the Republic of Moldova or of the Government of a state-member of the Organization for Economic Cooperation and Development; S - state and NBM securities; T - guarantees of the international organizations and multilateral development banks; U - other.
Column 5 Identification number of pledging borrower/mortgage borrower/mortgage guarantor shall
reflect, as appropriate, the state identification number (numeric format) of the legal entity (IDNO), state identification number of the individual (IDNP), fiscal code assigned by the tax authority or series and number of the identity document in the event that these are used/assigned according to the legislation in force as personal identification number. In case of non-resident legal entities, the identification number/state registration number assigned by the competent body of the country of origin of the nonresident shall be indicated and in case of non-resident individuals – the fiscal code of the country of origin.
Column 6 Name/Name and surname of pledging borrower/mortgage borrower/mortgage guarantor
shall reflect the name/name and surname of the pledging borrower. Resident legal entities are

recommended to use the registered abbreviated name of the legal entity (source - official website of State Tax Service: https://servicii.fisc.md/contribuabil.aspx).
8. Column 7 Date of last assessment shall reflect the date of the last assessment report of the asset
pledged as collateral (in the format yyyymmdd).
9. Column 8 Market value shall reflect the market value (in MDL) of the asset pledged as collateral
according to the last assessment report. In the event of the assessment carried out by the bank, it shall be indicated the market value set by the bank according to its internal policies and procedures.
10. Column 9 Value of collateral shall reflect the value (in MDL) of the pledged asset according to the
collateral contract concluded between the bank and pledging borrower.
11. Column 10 Value of collateral on credit shall reflect the value (in MDL) of the collateral assigned to
a credit. In the event when the collateral serves as guarantee for a sole credit, column 10 shall reflect the value indicated in column 9, while in the case where the collateral serves as guarantee for two or more credits, it shall be indicated the proportional value of each credit separately.
12. Column 11 Identification number of assessor shall reflect the state identification number of the
assessor (IDNO) that issued the last assessment report of the respective asset. In case of assets valued by the bank, the identification code of the bank shall be indicated.
13. Column 12 Name of assessor shall reflect the name of the legal entity that carried out the assessment.
It is recommended to use the registered abbreviated name of the legal entity (source - official website of State Tax Service: https://servicii.fisc.md/contribuabil.aspx).
14. Column 13 Identification number of the insurer shall reflect the state identification number of the
insurer (IDNO) that issued the insurance policy for the respective asset.
15. Column 14 Name of the insurer shall reflect the name of the legal entity that issued the insurance
policy for the pledged asset. It is recommended to use the registered abbreviated name of the legal entity (source - official website of State Tax Service: https://servicii.fisc.md/contribuabil.aspx).
16. Column 15 Insurance policy expiration date shall reflect the insurance policy expiration date, if the
pledged asset needs to be insured, in the following format: yyyymmdd
17. Column 16 Description of the asset (address/insurance/other information) shall reflect the general
information about the pledged asset. The description must not exceed 400 characters.
18. Column 17 CRR_ID shall reflect the unique identification code of the credit/contingent liability
assigned by the bank's information system for which the respective asset is pledged. In the case where the collateral contract covers several credits, it shall be reported all the identification codes of credits, separated by space.
19. Column 18 Cadastral code shall reflect the cadastral code of the asset in case of reporting in Column
4 of values E, F or G. In the case of pledged credits with immovable property of the same type (plots of land, apartments) with individual cadastral codes, numbering over 10 assets per credit, these shall be reported under a single registration by type of asset, indicating the cadastral code of the plot of land where the pledged residential building is located or the cadastral code of the asset with the greatest collateral value. The cadastral number shall be composed only of numbers and shall not contain separators in the form of spaces or dots.

Column 19 Reporting date shall reflect the last calendar day of the reporting month for which the
information is reported in the following format: yyyymmdd (e.g. 20150331).
Periodicity of submission of the report - monthly.
The deadline for submission of the report - not later than the 15th of the following month.
[Annex no.3 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022] [Guidelines on drafting amended by the Decision of the NBM no.108 of 26.05.2022, in force of 01.09.2022] [Annex no.3 amended by the Decision of the NBM no. 90 of 3.05.2018, in force of 18.05.2018] [Guidelines on drafting amended by the Decision of the NBM no.188 of 19.07.2017, in force of 01.01.2018]

Annex no.4
to the Instruction on the compilation and submission by banks of primary reports to identify and supervise the credit risk ORD0317C Code form ORD 3.17C Report on applications for large loans as of _____20 Description Name of applicant Identification number of applicant Date Amount of credit requested Currency of credit requested The period for which the credit is requested (days) Application status Application ID Branch code Reporting date No. 1 2 3 4 5 6 7 8 9 10 Format: text/number/alphanumeric, etc. Text Text Date Number Text Text Date Field length (maximum number of characters) 500 20 8 10 3 5 1 8 Obligation to report: YES - in any event; NO -only if there is data/it is expressly requested YES Example:
JUPITER SA
1001001001001
20160614
1000000000
498 365 2
CMD201802446
MOBBMD22609
20160315

Guidelines on drafting the Report on applications for large credits

This report shall reflect the information regarding the applications received by the bank for granting
credits in an amount greater than or equal to 1% of the bank’s own funds on the last reporting date or its equivalent on the date when the application has been received.
Column 1 Name of applicant shall reflect the name/name and surname of the applicant for credit.
Resident legal entities are recommended to use the registered abbreviated name of the legal entity (source

official website of State Tax Service: https://servicii.fisc.md/contribuabil.aspx).

Column 2 Identification code of the applicant shall reflect, as appropriate, the state identification
code (numeric format) of the legal entity (IDNO), state identification number of the individual (IDNP), fiscal code assigned by the tax authority or series and number of the identity document if these are used/assigned according to the legislation in force as personal identification number. For non-resident legal entities, it shall be indicated the identification number/state registration number assigned by the competent body of the country of origin of the non-resident and for non-resident individuals - the fiscal code of the country of origin.
Column 3 Date of application shall reflect the date of application for credit (in the following format:
yyyymmdd).
Column 4 Amount of credit requested shall reflect the amount of the requested credit in the currency
in which it was requested. If a credit range is indicated in the application form (from/to), it shall be reflected the maximum amount.
Column 5 Currency of credit requested shall reflect the numeric code of the currency in which the
credit is requested (e.g. 498, 840, 978).
Column 6 The period for which the credit is requested shall reflect the period in days for which the
credit is requested. If a time range is indicated in the application form (from/to), it shall be reflected the biggest amount of time.
Column 7 Application status shall reflect one of the following codifications to specify the status of the
application from the time it was received:
1 - submitted;
2 - under examination;
3 - approved;
4 - rejected;
5 - withdrawn.
If, during the same day, the application undergoes several stages (the application is submitted, examined and rejected), the application status as of the end of the operational day shall be reflected in the report.
Column 8 Application ID shall reflect the unique identifier of the application assigned by the bank.
Column 9 Branch code shall reflect the branch's code in AIPS that received the application.
Column 10 Reporting date shall reflect the date of the operational day for which data are reported in
the following format: yyyymmdd (e.g., 20150307).
The frequency of submission of the report - daily when the applications received meet the reporting
requirements, the information on the amount/currency/credit limit changes during the examination of the application or when the applications previously reported change the status indicated in Column 7.
The deadline for report submission - at the latest until 3:00 p.m. of the first working day succeeding
the day for which data are reported (e.g. the day for which data are reported is 07.03.2015, deadline for presenting data is 09.03.2015, 3:00 p.m.). [Annex no.4 amended by the Decision of the NBM no. 108 of 26.05.2022, in force of 01.09.2022]

Instruction on the compilation and submission by banks of primary reports to identify and supervise the credit risk, DEB of the NBM no.54 of March 9, 2016

Lineage: In force

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