Technical Standards for Reporting Guaranteed Deposits

Approval: 26/10/2016
Validity: 01/12/2016

NRSF-01
TECHNICAL STANDARDS FOR REPORTING GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE OF EL SALVADOR
GOVERNMENT OF EL SALVADOR

THE COMMITTEE OF STANDARDS OF THE CENTRAL BANK OF RESERVE OF EL SALVADOR,

CONSIDERING:

I. That Article 156 of the Banks Law decrees that all banks regulated by said law shall be members of the Deposit Guarantee Institute. Except for the Agricultural Development Bank, Multisectoral Investment Bank currently the Development Bank of El Salvador, and branches of foreign banks established in the country, the latter when they demonstrate before the Financial System Superintendency that the deposits collected are covered equally or better by insurance or guarantees established abroad.

II. That Article 166 of the Banks Law establishes that all information and verifications required by the Deposit Guarantee Institute regarding member banks shall be obtained and carried out through the Financial System Superintendency and the Central Bank of Reserve of El Salvador.

III. That Article 167 of the Banks Law determines that banks must report to the Deposit Guarantee Institute and the Financial System Superintendency, within the first ten business days of each month, the amount of guaranteed deposits.

IV. That Article 106 of the Cooperative Banks and Savings and Credit Societies Law establishes that Cooperative Banks shall be members of the Deposit Guarantee Institute with the same rights and obligations conferred by law to banks.

THEREFORE,

in virtue of the regulatory powers conferred by Article 99 of the Law on Supervision and Regulation of the Financial System,

AGREES to issue the following:

TECHNICAL STANDARDS FOR REPORTING GUARANTEED DEPOSITS

CHAPTER I
OBJECTIVE, SUBJECTS AND TERMS

Objective
Art. 1.- These Standards aim to establish the manner in which obligated subjects must remit to the Deposit Guarantee Institute and the Financial System Superintendency, the deposits subject to guarantee.

Subjects
Art. 2.- The subjects obligated to comply with the provisions established in these Standards are:
a) Banks incorporated in El Salvador; b) Branches of foreign banks established in the country; c) Savings and credit societies; and d) Cooperative banks.

The Agricultural Development Bank and branches of foreign banks established in the country are excepted, when such branches demonstrate to the Superintendency that the deposits collected are covered equally or better by insurance or guarantees established abroad.

Terms
Art. 3.- For the purposes of these Standards, the terms indicated below have the following meaning:
a) Central Bank: Central Bank of Reserve of El Salvador; b) Guaranteed Deposits: The sum of deposits up to the value of the guarantee limit per person stipulated in accordance with Article 167 of the Banks Law; c) Non-Guaranteed Deposits: Those deposits that do not have the guarantee of the Deposit Guarantee Institute because they exceed the value of the guarantee limit, as well as those listed in Article 168 of the Banks Law (2); d) Excess: The sum exceeding the guarantee limit per person, as well as interest balances to be paid; e) Business Group: In accordance with Article 5 letter n) of the Securities Market Law, it is one in which a company or set of companies have a common controller, who acting directly or indirectly participates with fifty percent as minimum in the share capital of each of them or that have common shareholders who, directly or indirectly, are holders of fifty percent as minimum of the capital of another company, which allows to presume that the economic and financial performance is determined by common interests or subordinate to the group; f) Institute: Deposit Guarantee Institute; g) Person, Client or Depositor: Holder of one or more types of deposits; and (1) h) Superintendency: Financial System Superintendency. (1)

CHAPTER II
REQUIRED INFORMATION

Art. 4.- The obligated subjects must remit via a single submission to the Institute and the Superintendency, within the first ten business days of each month, information on deposits according to the formats and indications established in the Annexes of these Standards, referring to the last day of the previous month.

This submission must be made once the first paragraph of Article 14 of the “Technical Standards for Submission and Collection of Information for the Accounting and Statistical System of Financial Entities” (NRP-51) (2) has been complied with.

The information to be reported will be the Guaranteed Deposits and, for reconciliation and validation purposes, the Non-Guaranteed Deposits.

The maximum amount to be reported by each depositor in Annex No. 1 of these Standards, in the column “Guaranteed Deposits”, will be the current guaranteed amount. The excesses must be reported by deposit type, in the column “Non-Guaranteed Deposits”. (1)

In the case where the same person has more than one type of deposit, they must be reported only once, in the row “Various”; and if the sum of all deposits exceeds the guarantee limit, the excess must be reported in that same row, in the column “Non-Guaranteed Deposits”. (1)

The deposits that must be reported as Non-Guaranteed Deposits are the following:
a) Those constituted with bearer deposit certificates; b) Those from other banks; c) Those from companies belonging to the same financial conglomerate or business group, of the obligated subject in question; d) Those from persons related to the obligated subject in question, in accordance with what is provided in Article 204 of the Banks Law, and Article 50 of the Cooperative Banks and Savings and Credit Societies Law; e) Those belonging to autonomous estates such as trusts or any other similar figure, even if they have been established in the name of the entity that administers them; f) Those that are property of persons who have been judicially proven to have a relationship with money laundering and other assets or with terrorism financing; g) Excesses referred to in the third and fourth paragraphs of this article; and (1) h) Interest balances to be paid. (1)

For the estimation of the total balance of deposits per customer or account type, the Annexes must consider the principal balances and the balances of interest to be paid.

Art. 5.- In the corresponding formats for Annexes Nos. 1 to 3, deposits will be grouped as follows:
a) Checking Accounts:
i. From the category “2110 Demand Deposits”, the so-called “Checking Account Deposits”; and
ii. From the category “2114 Restricted and Inactive Deposits”, the so-called “Seized Deposits” and “Inactive Deposits”.
b) Savings Accounts:
i. From the category “2110 Demand Deposits”, the so-called “Savings Deposits” and “Simplified Savings Account Deposits”; and
ii. From the category “2114 Restricted and Inactive Deposits”, the so-called “Deposits in Guarantee”, “Seized Deposits”, and “Inactive Deposits”.
c) Time Deposits:
i. Those contained in the category “2111 Agreed Deposits Up to One Year Term”;
ii. Those contained in the category “2112 Agreed Deposits More Than One Year Term”, and
iii. From the category “2114 Restricted and Inactive Deposits”, the so-called “Deposits in Guarantee” and “Seized Deposits”.

The Institute and the Superintendency may request clarifications as appropriate regarding the information obtained in accordance with these Standards.

Art. 6.- The obligated subjects must estimate guaranteed and non-guaranteed deposits and provide information based on Annexes Nos. 1 and 2, considering the following:
a) That the Institute will be the guarantor of deposits of the same depositor in an obligated subject for an amount of principal up to a quantity defined in accordance with the Banks Law; b) That in the case of accounts whose holders are two or more persons, the guarantee amount will be computed independently for each holder, with a limit of three persons per account; and c) Interest balances to be paid, not being part of the principal amount, will be considered within the excess.

For the sum of each type of deposit, the estimation of both guaranteed and non-guaranteed deposits must be reported.

In each case, the number of accounts and depositants considered must be made explicit.

Art. 7.- The Superintendency will transmit the technical details related to the submission of the information requested in this article, which will be communicated within a maximum period of sixty days after the entry into force of these Standards. The technical details will be limited to the collection of information in accordance with what is regulated in these Standards. (1)

The obligated subjects must implement the necessary mechanisms for the transmission of the information referred to in the previous paragraph within a maximum period of ninety days after the Superintendency notifies the technical details.

The name and structure of the data files containing the general information on guaranteed and non-guaranteed deposits are contemplated in Annex No. 9 of these Standards. (1)

The Superintendency will transmit to the entities, within a maximum period of twenty business days after the approval of the modifications to Annexes Nos. 10, 11 and 12, with a copy to the Central Bank, the technical details related to the submission of the information required in said Annexes. (2)

The obligated subjects must implement the necessary mechanisms for the transmission of the information referred to in the previous paragraph of this article within a maximum period of two months after receiving the technical details. (2)

Art. 8.- The obligated subjects must designate a person responsible for the submission of the information required in these Standards, within the period established in Article 4 of the same.

The name of the person designated as responsible for the submission of the information must be notified to the Institute and the Superintendency. In case of substitution, the obligated subjects must communicate the respective changes to the Institute and the Superintendency, within the following five business days after the change, in order to update the user name and assign them the key for the submission of information by electronic means.

CHAPTER III
OTHER PROVISIONS AND VALIDITY

Sanctions
Art. 8-A.- Non-compliance with the provisions contained in these Standards will be sanctioned in accordance with what is established in the Law on Supervision and Regulation of the Financial System. (1)

Repeals
Art. 9.- These Standards render ineffective the “Standards for Reporting Guaranteed Deposits” (NPB4-22) approved by the Board of Directors of the Financial System Superintendency in Session CD 83/99 of December 8, 1999, and its reforms whose Organic Law was repealed by Legislative Decree Number 592 containing the Law on Supervision and Regulation of the Financial System, published in the Official Gazette Number 23, Volume 390, dated February 2, 2011.

Transitory
Art. 10.- Repealed (2)

Unforeseen Aspects
Art. 11.- Unforeseen aspects in regulatory matters in these Standards will be resolved by the Central Bank through its Standards Committee.

Validity
Art. 12.- These Standards will enter into force starting from December 1, two thousand sixteen.

MODIFICATIONS:
(1) Modifications to articles 3, 4, 7 and Annexes Nos. 1, 2, 3, 4, 5, 6, 7 and 8 and incorporation of article 8-A and Annex No. 9, approved by the Central Bank through its Standards Committee in Session No. CN-08/2022 dated September 23, two thousand twenty-two, with validity starting from October 10, two thousand twenty-two. (2) Modifications in articles 3, 4 and 7 and in Annexes Nos. 7 and 9, repeal of article 10 and incorporation of Annexes Nos. 10, 11 and 12, approved by the Central Bank through its Standards Committee in Session No. CN-10/2024 dated October 31, two thousand twenty-four, with validity starting from November 15, two thousand twenty-four.

Annex No. 1

Guaranteed Deposits and their Excesses (1)
Date: to the XX of XX of XXXX
Balances in United States Dollars

Type of Deposits	Guaranteed Deposits	Non-Guaranteed Deposits (1)
	Amount	Number of Accounts	Number of Depositors (persons)	Amount	Number of Accounts	Number of Depositors (persons)
Checking Accounts
Savings Accounts
Time Deposits
Various (1)
TOTAL

Repealed clarifying note 1 (1)
Repealed clarifying note 2 (1)

Instructions for filling out Annex No. 1 (1) a) If the person has only one deposit, it must be reported in the row of the corresponding deposit type; (1) b) If the same person is holder of more than one of the same type of deposit, the sum of these must be reported in the row of the corresponding deposit type, computing in the columns of “Number of Accounts” the total number of accounts; (1) c) In the case where the same person is holder of more than one type of deposit (1) (checking, savings and time deposits), the sum of these must be reported only once in the “Various” deposit row, computing in the columns of “Number of Accounts” the total number of accounts; (1) d) For letters a) to c), the “Amount” column of the “Guaranteed Deposits” column, must not exceed the current guaranteed amount per person; (1) e) If any of the letters a) to c) exceed the current guaranteed amount, the excess must be reported, in the “amount” column of the “Non-Guaranteed Deposits” column; and (1) f) If a deposit account has more than one holder, the “Number of Depositors (persons)” column must consider the guaranteed amounts and permitted holders in accordance with letter b) of Article 6 of these Standards. (1)

The sum of the total of the “Amount” columns of guaranteed and non-guaranteed deposits must match the “Total deposit balance” of Annex No. 7 of these Standards. (1)

Annex No. 2

NON-GUARANTEED DEPOSITS BY LAW
Date: to the XX of XX of XXXX
Balances in United States Dollars

Type of Deposit	Amount	Number of accounts (1)	Number of depositors (persons)
Checking Accounts:
a) From other banks
b) Companies of the same conglomerate or group
c) Related
d) Estates administered by third parties
e) Those that are property of persons who have been judicially proven to have a relationship with money laundering and other assets or with terrorism financing
Savings Accounts:
a) From other banks
b) Companies of the same conglomerate or group
c) Related
d) Estates administered by third parties
e) Those that are property of persons who have been judicially proven to have a relationship with money laundering and other assets or with terrorism financing
Time Deposits:
a) From other banks
b) Companies of the same conglomerate or group
c) Related
d) Estates administered by third parties
e) Those that are property of persons who have been judicially proven to have a relationship with money laundering and other assets or with terrorism financing
Various: (1)
a) From other banks (1)
b) Companies of the same conglomerate or group (1)
c) Related (1)
d) Estates administered by third parties (1)
e) Those that are property of persons who have been judicially proven to have a relationship with money laundering and other assets or with terrorism financing (1)
Instructions for filling out Annex No. 2 (1)

Annex No. 2

NON-GUARANTEED DEPOSITS BY LAW
Date: to the XX of XX of XXXX
Balances in United States Dollars

Type of Deposit	Amount	Number of accounts (1)	Number of depositors (persons)
a) If the person has only one deposit, it must be reported in the row of the corresponding deposit type. (1)
b) If the same person is holder of more than one of the same type of deposit, the sum of these must be reported in the row of the corresponding deposit type, computing in the columns of “Number of Accounts” the total number of accounts. (1)
c) In the case where the same person is holder of more than one type of deposit (checking, savings and time deposits), the sum of these must be reported only once in the “Various” row, computing in the columns of “Number of Accounts” the total number of accounts. (1)

Annex No. 3

DEPOSIT INFORMATION BY AMOUNT AND ACCOUNT TYPE Date: to the XX of XX of XXXX Balances in United States Dollars

Amounts	Natural Persons	Legal Persons	Public Legal Persons
	Checking	Savings	Time	Checking	Savings	Time	Checking	Savings	Time
	No. Accounts	Balance	No. Accounts	Balance	No. Accounts	Balance	No. Accounts	Balance	No. Accounts	Balance	No. Accounts	Balance
0 to 1,000.00
1,001.01 to 5,000.00
5,000.01 to Current Guarantee Limit¹/ (1)
Current Guarantee Limit + 0.01¹/ (1) to 50,000.00
50,000.01 to 75,000.00
75,000.01 to 100,000.00
100,000.01 to 500,000.00
500,000.01 to 1,000,000.0
More than 1 million
Totals (1)

1/ Updated based on the Law. (1)

Annex No. 4

GUARANTEED DEPOSITORS BY LAW (1)
Date: to the XX of XX of XXXX
Balances in United States Dollars (1)

Amounts	Balance per Depositor
	No. Persons	No. Accounts	Balance
0 to 1000
1001.01 to 5000
5000.01 to Current Guarantee Limit¹/ (1)
Current Guarantee Limit + 0.01¹/ (1) to 50000
50000.01 to 75000
75000.01 to 100000
100000.01 to 500000
500000.01 to 1000000
More than 1 million
Total

1/ Updated based on the Law. (1)

Instructions for filling out Annex No. 4
The purpose of the annex is to obtain the quantity of guaranteed depositors from the amount of deposits. (1) To obtain the information from this annex, the following must be considered: (1) a) Include only guaranteed depositors, that is, excluding deposits from Annex No. 2 of these Standards. (1) b) Group deposits by client and classify them by deposit range. (1) c) Place the deposit amount in the balance column according to the corresponding range. (1) d) If the same person is holder of more than one of the same type of deposit or different types of deposits “accounts”, the sum of the types of deposits will be located in the “Amounts” range; for this case the “No. Accounts” column, will consider all accounts of the holder. (1) e) If a deposit account has more than one holder, the balance will be placed by the deposit amount according to the corresponding range; for this case in the “No. of persons” column, the permitted holders must be considered in accordance with letter b) of Article 6 of these Standards. (1)

Annex No. 5

TIME DEPOSITS BY CALENDAR MATURITY
Date: to the XX of XX of XXXX
Balances in Thousands of United States Dollars (1)

Days remaining until maturity	Balances	No. Accounts	No. Persons
0 to 30
31 to 60
61 to 90
91 to 180
181 to 360
More than 360 days
Total

---

Instructions for filling out Annex No. 5

Deposit balances must be expressed in United States dollars. This report only contains information on time deposits, that is, those contained in the items “2111 Agreed deposits up to one year term”, and “2112 Agreed deposits for more than one year term”. As well as the item “2114 Restricted and Inactive Deposits, the so-called Guaranteed Deposits” and “Seized Deposits”, corresponding to time deposits.

Time deposits must be grouped by the days remaining until their maturity, taking the last day of the month as the reference date. For the report as of May 31 of a year, a deposit that matures on June 15 of that year will be reported within the first category of 0 to 30 days, since there are 15 calendar days remaining until its maturity, regardless of whether it is a 180-day deposit, for example.

Approval: 10/26/2016
Validity: 12/01/2016

NRSF-01
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE
OF EL SALVADOR
GOVERNMENT OF
EL SALVADOR

Annex No. 6

DEPOSIT CONCENTRATION REPORT
Date: as of the XX of XX of XXXX
Balance in United States Dollars (1)

| Corr. | Natural Person, Legal Entity or Public Legal Entity | Accumulated Balance per client | Number of accounts per client | Related |
| :--- | :--- | :--- | :--- | :--- |
| 1. | 1= Natural; 2= Legal or 3= Public Legal (1) | US$ | | 1= Related; 2= Not related |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |
| | | | | |

**Instructions for filling out Annex No. 6**

Balances must be reported in United States dollars. To obtain this report, deposits must be grouped by client and the 100 depositors, whether natural or legal persons, who hold the largest deposit balances must be determined. It must also be identified how many accounts that client has, regardless of the type of product or deposit in question, as well as determining whether they are natural or legal persons.

Likewise, it is requested that the persons considered related to the bank be identified, either by administration or ownership according to what is established in the Banking Law.

Understand that Public Legal Entity means the Nation, the Treasury, the Municipalities, and the establishments that are funded with treasury funds, among others. (1)

```markdown  
Approval: 10/26/2016  
Validity: 12/01/2016

NRSF-01  
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE  
OF EL SALVADOR  
GOVERNMENT OF  
EL SALVADOR

Annex No. 7

STATISTICS ON DEPOSITORS AND THEIR ACCOUNTS  
Date: as of the XX of XX of XXXX

| Item | Data |  
| :--- | :--- |  
| Total deposit balance | US$ |  
| Savings deposit balance | US$ |  
| Simplified savings deposit balance (1) | US$ (1) |  
| Checking deposit balance | US$ |  
| Time deposit balance | US$ |  
| Total number of clients | Number of persons |  
| Total number of accounts | Number of accounts |  
| Number of checking accounts | Number of accounts |  
| Number of savings accounts | Number of accounts |  
| Number of simplified savings accounts (1) | Number of accounts (1) |  
| Number of time accounts | Number of accounts |  
| Number of natural persons | Number of persons |  
| Number of legal persons | Number of persons |  
| Number of Public legal persons | Number of persons |  
| Number of Private legal persons | Number of persons |  
| Number of female depositors (1) | Number of persons (1) |  
| Number of male depositors (1) | Number of persons (1) |  
| Total balance of female depositors (1) | US$ (1) |  
| Total balance of male depositors (1) | US$ (1) |  
| Number of natural persons with checking accounts (1) | Number of persons (1) |  
| Number of legal persons with checking accounts (1) | Number of persons (1) |  
| Number of Public legal persons with checking accounts (1) | Number of persons (1) |  
| Number of natural persons with savings accounts (1) | Number of persons (1) |  
| Number of legal persons with savings accounts (1) | Number of persons (1) |  
| Number of Public legal persons with savings accounts (1) | Number of persons (1) |  
| Number of natural persons with time deposits (1) | Number of persons (1) |  
| Number of legal persons with time deposits (1) | Number of persons (1) |  
| Number of Public legal persons with time deposits (1) | Number of persons (1) |  
| Number of persons with simplified savings accounts (1) | Number of persons (1) |

```markdown
Approval: 10/26/2016
Validity: 12/01/2016

NRSF-01
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE
OF EL SALVADOR
GOVERNMENT OF
EL SALVADOR

Annex No. 7

STATISTICS ON DEPOSITORS AND THEIR ACCOUNTS
Date: as of the XX of XX of XXXX

**Instructions for filling out Annex No. 7**

This information must be reported in United States dollars, in number of persons, or in number of accounts, according to what the table establishes.

The classification of accounts by type will be made according to the following:

**A) Savings Accounts:**
1.- From the item "2110 Demand Deposits", the so-called "Savings Deposits"; and
2.- From the item "2114 Restricted and Inactive Deposits", the so-called "Guaranteed Deposits", "Seized Deposits", and "Inactive Deposits", corresponding to savings accounts.

**B) Simplified Savings Accounts (1)**
1.- From the item "2110 Demand Deposits", the so-called "Simplified Savings Account Deposits"; and
2.- From the item "2114 Restricted and Inactive Deposits", the so-called "Guaranteed Deposits", "Seized Deposits", and "Inactive Deposits", corresponding to simplified savings accounts. (1)

**C) Checking Accounts:**
1.- From the item "2110 Demand Deposits", the so-called "Checking Account Deposits"; and
2.- From the item "2114 Restricted and Inactive Deposits", the so-called "Seized Deposits" and "Inactive Deposits", corresponding to checking accounts.

**D) Time Deposits:**
1.- Those contained in the item "2111 Agreed deposits up to one year term"; and
2.- Those contained in the item "2112 Agreed deposits for more than one year term".
3.- From the item "2114 Restricted and Inactive Deposits", the so-called "Guaranteed Deposits" and "Seized Deposits", corresponding to the time deposit account.

For the above, consider the following validation points: (1)
*   Both total deposits and total accounts must be the sum of what is reported in Savings, Simplified Savings, Checking, and Time, respectively. (1)
*   The total number of clients must be the sum of what is reported in Number of natural persons and Number of Legal Persons.
*   Additionally, the number of Legal Persons will be the sum of the Number of Public Legal Persons and the Number of Private Legal Persons.
*   Deposit balances must consider both the principal balance and the balance of interest payable.
*   For the rows 'total balance of female depositors' and 'total balance of male depositors', all types of accounts must be included.(1)
*   All account balances will be validated with the information sent in the saldo_cuenta.xml file of the "Technical Standards for Submission and Collection of Information for the Accounting and Statistical System of Financial Entities" (NRP-51) (2).

```markdown  
Approval: 10/26/2016  
Validity: 12/01/2016

NRSF-01  
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE  
OF EL SALVADOR  
GOVERNMENT OF  
EL SALVADOR

Annex No. 8

DEPOSITS BY CURRENCY TYPE (1)  
Date: as of the XX of XX of XXXX

| Currency Code | Balance in Foreign Currency | Balance in US$ |  
| :--- | :--- | :--- |  
| USD (1) | | |  
| EUR (1) | | |  
| GTQ (1) | | |  
| HNL (1) | | |  
| CRC (1) | | |  
| NIO (1) | | |  
| PAB (1) | | |  
| MXN (1) | | |  
| OTR (1) | | |

**Instructions for filling out Annex No. 8**

In case there are no deposits other than United States dollars, a record must be added with the total in dollars and the same balance in both columns.

```markdown
Approval: 10/26/2016
Validity: 12/01/2016

NRSF-01
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE
OF EL SALVADOR
GOVERNMENT OF
EL SALVADOR

Annex No.9 (1)

FILE STRUCTURES

**File 1 (Annex1.xml)**

This file contains general information on guaranteed and non-guaranteed deposits; the file details information on the value captured from deposits, the number of accounts, and the number of clients associated for each type of deposit (checking account, savings account, time deposit, and others).

| No | Column Name | Description |
| :--- | :--- | :--- |
| 1.1 | deposit_class | Deposit class according to Table 1 |
| 1.2 | account_type | Account type according to Table 2 |
| 1.3 | deposit_amount | Deposit amount |
| 1.4 | number_accounts | Number of accounts |
| 1.5 | number_depositors | Number of persons who are depositors |

**File 2 (Annex2.xml)**

In this file, each of the items that make up the different types of deposits not guaranteed by law is detailed.

| No | Column Name | Description |
| :--- | :--- | :--- |
| 2.1 | account_type | Account type according to Table 2 |
| 2.2 | deposit_type | Deposit type according to Table 3 |
| 2.3 | deposit_amount | Deposit amount |
| 2.4 | number_accounts | Number of accounts |
| 2.5 | number_depositors | Number of persons who are depositors |

**File 3 (Annex3.xml)**

In this file, information on deposits is detailed according to the type of person, type of deposit, and the amount thereof.

| No | Column Name | Description |
| :--- | :--- | :--- |
| 3.1 | account_type | Deposit account type according to Table 2B |
| 3.2 | deposit_amount_code | Deposit amount code according to Table 4 |
| 3.3 | person_type | Person type according to Table 5 |
| 3.4 | number_accounts | Number of accounts |
| 3.5 | deposit_balance | Deposit balances |

```markdown  
Approval: 10/26/2016  
Validity: 12/01/2016

NRSF-01  
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE  
OF EL SALVADOR  
GOVERNMENT OF  
EL SALVADOR

Annex No. 9 (1)

**File 4 (Annex4.xml)**

This file presents information on guaranteed depositors by amounts.

| No | Column Name | Description |  
| :--- | :--- | :--- |  
| 4.1 | deposit_amount_code | Deposit amount code according to Table 4 |  
| 4.2 | number_depositors | Number of persons who are depositors |  
| 4.3 | number_accounts | Number of accounts |  
| 4.4 | deposit_balance | Captured deposit value |

**File 5. (Annex 5.xml)**

This file presents information on time deposits classified by maturity days.

| No | Column Name | Description |  
| :--- | :--- | :--- |  
| 5.1 | maturity_days_code | Code of days remaining for maturity according to Table 6 |  
| 5.2 | maturity_deposit_balance | Deposit balance at maturity |  
| 5.3 | number_accounts | Number of accounts |  
| 5.4 | number_depositors | Number of persons who are depositors |

**File 6. (Annex6.xml)**

In this file, a deposit concentration report by client is presented and the top 100 depositors are determined.

| No | Column Name | Description |  
| :--- | :--- | :--- |  
| 6.1 | correlative_number | Correlative number |  
| 6.2 | person_type | Person type according to Table 5 |  
| 6.3 | accumulated_balance | Client's accumulated balance |  
| 6.4 | number_accounts | Number of accounts owned by the client |  
| 6.5 | bank_relationship | Type of client relationship with the bank according to Table 7 |

```markdown
Approval: 10/26/2016
Validity: 12/01/2016

NRSF-01
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE
OF EL SALVADOR
GOVERNMENT OF
EL SALVADOR

Annex No. 9 (1)

**File 7. (Annex7.xml)**

Global statistics on depositors and their accounts are presented.

| No | Column Name | Description |
| :--- | :--- | :--- |
| 7.1 | total_deposits_balance | Total deposit balance |
| 7.2 | savings_deposits_balance | Savings deposits balance |
| 7.3 | Simplified_savings_deposits_balance | Savings deposits balance |
| 7.4 | checking_deposits_balance | Checking deposits balance |
| 7.5 | time_deposits_balance | Time deposits balance |
| 7.6 | total_clients_quantity | Total number of clients |
| 7.7 | total_accounts_quantity | Total number of accounts |
| 7.8 | checking_accounts_quantity | Number of checking accounts |
| 7.9 | savings_accounts_quantity | Number of savings accounts |
| 7.10 | Simplified_savings_accounts_quantity | Number of simplified savings accounts |
| 7.11 | time_accounts_quantity | Number of time accounts |
| 7.12 | natural_persons_quantity | Number of natural persons |
| 7.13 | legal_persons_quantity | Number of legal persons |
| 7.14 | public_legal_persons_quantity | Number of Public legal persons |
| 7.15 | private_legal_persons_quantity | Number of Private legal persons |
| 7.16 | female_depositors_quantity | Number of female depositors |
| 7.17 | male_depositors_quantity | Number of male depositors |
| 7.18 | total_female_depositors_balance | Total balance of female depositors |
| 7.19 | total_male_depositors_balance | Total balance of male depositors |
| 7.20 | natural_persons_checking_accounts_quantity | Number of natural persons with checking accounts |
| 7.21 | legal_persons_checking_accounts_quantity | Number of legal persons with checking accounts) |
| 7.22 | public_legal_persons_checking_accounts_quantity | Number of Public legal persons with checking accounts |
| 7.23 | natural_persons_savings_accounts_quantity | Number of natural persons with savings accounts |
| 7.24 | legal_persons_savings_accounts_quantity | Number of legal persons with savings accounts |
| 7.25 | public_legal_persons_savings_accounts_quantity | Number of Public legal persons with savings accounts |
| 7.26 | natural_persons_time_deposits_quantity | Number of natural persons with time deposits |
| 7.27 | legal_persons_time_deposits_quantity | Number of legal persons with time deposits |
| 7.28 | public_legal_persons_time_deposits_quantity | Number of Public legal persons with time deposits |
| 7.29 | persons_simplified_savings_accounts_quantity | Number of persons with simplified savings accounts |

```markdown  
Approval: 10/26/2016  
Validity: 12/01/2016

NRSF-01  
TECHNICAL STANDARDS TO REPORT GUARANTEED DEPOSITS

CENTRAL BANK OF RESERVE  
OF EL SALVADOR  
GOVERNMENT OF  
EL SALVADOR

Annex No. 9 (1)

**File 8. (Annex8.xml)**

Information on deposits by currency type and its equivalent in United States Dollars is detailed.

| No | Column Name | Description |  
| :--- | :--- | :--- |  
| 8.1 | foreign_currency_code | Foreign currency code according to Table 8. |  
| 8.2 | foreign_currency_balance | Deposit balances in foreign currency. |  
| 8.3 | dollar_balance | Deposit balances expressed in United States Dollars |

**File 10 (Annex10.xml) (2)**

This file presents information on deposits by account type, by amounts, and by type of person.

| No | Column Name | Description |  
| :--- | :--- | :--- |  
| 10.1 | deposit_amount_code | Deposit amount code according to Table 4A |  
| 10.2 | account_type | Deposit account type according to Table 2C |  
| 10.3 | deposit_amount | Deposit amount |  
| 10.4 | male_accounts_quantity | Number of male accounts |  
| 10.5 | female_accounts_quantity | Number of female accounts |  
| 10.6 | legal_entity_accounts_quantity | Number of legal entity accounts |  
| 10.7 | male_depositors_quantity | Number of persons who are male depositors |  
| 10.8 | female_depositors_quantity | Number of persons who are female depositors |  
| 10.9 | legal_entity_depositors_quantity | Number of persons who are legal entity depositors |