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Country Name Email Title Instituti Address City State

Angola Jorge Leobna.dec@eDirector Banco NaciAv. 4 de FeLuanda Luanda


Argentina Oscar A. deodelrio@bcGerente TBanco Centr ReconquistBuenos Aires
Aruba Prakash M cbaua@setHead SuperCentrale B HavenstraaOranjestad
Australia Bruce LeBrbruce.lebr Head of CreAustralian 400 GeorgeSydney NSW
Austria Wolfgang MWolfgang.MMag. Oesterreic Otto-WagneVienna Vienna
Bahrain Dr. Khalid bmalbr@baExecutive DBahrain MoP.O. Box 2 Manama
Barbados Mr. Ian Car cbb.libr@caDirector--B Central Ba P.O. Box 1 Bridgetown
Belarus F. Martinke kolontai@nbExpert National Ba20 Skorina Minsk
Belgium PICKEUR MDir1@cbf.bAdvisor CBF Louizalaan BRUSSELS
Belize
Bermuda Munro Suthinfo@bma. General M Beermuda M 26 BurnabyHamilton
Bolivia Efran Camecamacho@ Intendente supban@lp.Plaza IsabeLa Paz La Paz
Brazil Tereza Cristereza.cris Head of DeBanco Centr SBS - Quadr Brasilia DF
Canada Richard F. rgresse@osf Manager, CaO.S.F.I. C 255 Albert SOttawa Ontario
Cayman Islands Anna McLebanking@cDeputy HeaCayman IslP.O. Box 10052 APO Grand Cayman
Chile Gustavo Ar garriagada@ Intendente SuperintendMoneda 11 Santiago Metropolit
Colombia Ricardo Le Rleon@supe Secretario Superinten Calle 7 N Bogot Cundinamarca
Costa Rica MBA BernarBalfaro@sug Superinten Superinten Avenidas 4 San Jos
Croatia Snjezana Lsnjezana.l Deputy Dir Croatian N Jurisiceva Zagreb
Cyprus A.J.PHILI aiphilip@ceCHIEF SE CENTRAL P.O.BOX 5 NICOSIA
Czech Republic Jarmila Musjarmila.mu Director of Czech Nati Na Prikope Praha 1
Dominican Republic Luis A. Mo supbanco@Director Es Superinten Av. Mxico Sto. Dgo. Rep.Dom.
Ecuador EGAS EGUpegas@e-ma DIRECTORSUPERINT12 DE OCTQUITO QUITO
El Salvador HILDA MO malarcon@s ADMINIST SUPERINT7a. Av. Nt SAN SALV CENTRO A
France Philippe philippe.pr Chef du SeBANQUE D84 rue des POITIERS
Germany Mr. Manfredmio-evide Bundesbank Deutsche Wilhelm-EpFrankfurt am Main
Guatemala Marcelo Mommota@sibDirector D Superinten 9a. Av. 22- Guatemala Centro Am
Guyana Margaret B bob.lib@guAssistant Bank of Gu1 Avenue ofGeorgetow Georgetown
Hati Paul Ruddypmentor@yChief of Di Banque de R l ue des MiPort-au-Prince
Hong Kong Mr EdmondEdmond_YP Head Hong Kong 30/F, Citib Central Hong Kong
India MR. A.Q. SIDDIQI CHIEF GE RESERVE DBS, WTC,MUMBAI
Indonesia JUSPALIN juspalina@bMs. Bank IndonJl. MH Tha Jakarta
Ireland Kathryn Copeland SAO Central BanDame St Dublin 2
Italia Giuseppinabarbato.giuDirettore Banca d'ItaLargo GuidoFrascati ( Italia
Latvia
Lithuania Kazimiera kromonas@m Director, C The Bank ofJogalios 14Vilnius
Luxembourg Eric Osch banques@cs attach Commission110, route Luxembourg
Malawi Mr W R Milowrmilonde@Director, Reserve Ban Reserve Bank
Lilongwe 3 Africa
Malaysia Chin Sok Eesokee@bnm.g Manager Bank Negara Jalan Dato Kuala
On Lumpu
Wilayah P
Mexico Rafael del Vrvillar@banDir. de Es Banco de MAve. 5 de MMexico, D.F.
Moambique Fernando Mffm@bancom Economist Banco de Mo Av. 25 de set
Maputo SADC
Netherlands Mr M. de K m.de.kogel Policy advi De NederlaP.O. Box 9 Amsterdam-
Netherlands Antilles H. L. Wille info@centr Head BankiBank van dBreedestraat Willemstad Curacao
New Zealand M Griffin griffinm@rbSenior AdviReserve BaBox 2498 Wellington
Nicaragua Wilfredo Agsuperinten@ Inspector BSuperintendKm. 7 Sur, Managua Managua
Panama EDUARDO edquiros@sJEFE DE SUPERINTTORRE MI PANAMA PANAMA
Paraguay YOLANDA SUPBAN@B JEFE DE SUPERINTPABLO VI ASUCNCION
Peru ORLANDO OVASSALLINTENDENSUPERINTLOS LAURE LIMA
Portugal Ana Isabel aventura@bCoordenadoBanco de PRua FrancisLisboa
Puerto Rico Fernando Gfernandog@Assistant CommissioneP.O. Box 1 San Juan Puerto Ric
RWANDA KANTENGWA akantengwaCONTROL BANQUE NAV. PAUL VIKIGALI CENTRAL A
SENEGAL Vilvo Bi vdevo@bceao.DIRECTEUBCEAO BCEAO SIEGE
DAKAR WEST AFRIC
Singapore Tay Chek chtay@masDirector Monetary Au10 ShentonSingapore -
Slovak Republic Roman Hrdlroman.hrdl Head of SeNational BaDunajska 1Bratislava
Spain Anselmo DidocumentacSubjefe de BANCO DEAlcala,50 Madrid
Sweden Brita berg Finansinspektionen
Tanzania L. H. Mkila lhmkila@hq.Director, B Bank of Ta P. O. Box Dar es Sal Africa
Trinidad and Tobago Henry Jeffehjeffers@ceInspector o Central BanEric Willi Port of Spanone
Turkey A.Vefa Celi Vefa.Celik General M The CentralTCMB IdareULUS - A Ankara
United Kingdom Richard Bo richard.bouManager - CFinancial S 25 The NorLondon Canary Wha
Uruguay Alfredo Po siif@bcu.g Gerente deBanco CentPaysandu yMontevideoMontevideo
Venezuela JOSE G. D joduran@suGerente deSuperinten Av. Univer Caracas Distrito Fed
PostalCo Telephone Fax

Cx. Postal 002442-336069 002442-336069


1003 54-11-4348-3902 54-11-4348-3938
297-822509 297-832251
2000 (612) 9210 3308 (612) 9210 3411
1090 43-1 40420-3434 43-1 40420-3499
--- 0973-529-400 0973-532-605
246-436-6870 246-437-3334
220008 375 17 229 29 17
B - 1050 32-2-535.22.53 32-2-535.22.29

HM 11 441-295-5278 441-292-7471
447 431919 (591-2)430028
70074-900 55 61 414-1320 55 61 225-3032
K1A 0H2 613-990-7336 613-998-8466
Grand Cayman (345) 949-7089 (345) 949-2532
------ (56-2) 4426235 (56-2) 4410914
Cundinamarca 3506041 3507910
2762-1000 256-20-10 255-39-95
10000 (+385) 1 4564 922 (+385) 1 4565 052
1395 +357-2-379800 +357-2-378152
110 00 00420 - 2 - 244144 00420-2-24412866
685-8141 Ext. 431- 685-0859
231-612 / 229-962 522-628 / 506-813
2942 (503)281-2444 Y (5 (503)281-1797
86180 33-5-49-55-86-01 33-5-49-55-86-00
60431 49 69 9566 - 8521 49 69 9566 - 8064
01001 2320346 2328793
Georgetown 63250-6; 63258-9; 592-2-66011
P.O. Box (509)-299-1128 (509)-299-1135
Hong Kong (852) 2878 8111 (852) 2878 1887
400 005 91-22-2182528 91-22-2180157
10100 62 21 3817920 62 21 2311315
PO Box 55 ++ 353 1 6716666 ++ 353 1 6711370
00044 0647926224 0647926387/6020

LT-2001 370 2 680 500 371 2 615 665


L-2991 (+352) 26 25 1 211 (+352) 26 25 1 603
P.O. Box 30(265) 780600 (265) 780506
50480 603.-2907322 603-2985378
06059 525-237-2569 525-237-2571
1695 (258 1) 4267 32 (258 1) 42 67 32
1000AB +31 20 5243634 +31 20 5243669
599-9-434-5617 or 599-9-461-5004
6001 64 4 4713 746 64 4 472 3262
788 2651651 2650455
0832-2397 (507) 206-7938 (507) 264-9745
608010 -INTERNO: 608149
4210969 2218990
1150-165 00-351-1-3128303 00-351-1-3128104
00910-385 (787)723-3365 (787)723-4042
B.P. 531 KI 00 250 75846 00 250 72251
BP 3108 (221) 839 05 00 (221) 823 93 35
079117 (65) 2299263 (65) 2299697
818 54 00421 7 5953 3460 00421 7 5292 7868
28014 (34) 91 338 55 96 (34) 91 338 61 02
+46 8 787 8000
255-051-118021 255-051-113941
None (868) 625-4835 (868) 625-7365
06100 (90)(312) 312 43 12(90)(312) 311 47 85
E14 5HS 0171 676 0462 0171 676 0463
11000 901 3566 908 2914
1010 408.90.01,408.97.0 408.97.32
2.1-
2.1-have have 2.5. 2.5. 2.5.
Country 2.1 2.1 consumers firms 2.2a 2.2b 2.3 2.4 2.4 2.4.Othe 2.5 a b c
Other who pub
Who Govt Govt Governme submit priv. pub devt
has a Registry agency agency nt Agency s com com bank
Do you have a PCR? PCR? Consumers? Firms? Name Acronym Year est. controlling controlling in control data? bank bank s
Angola c. S - existe un reg 1 1 1 Central de Riscos de C 1998 a. Banco C 1 a. Banc 1 1 0
Argentina b. S - existe un re 1 1 1 Central de deudores de 1991 b. Superin 2 La Superin a. Banc 1 1 1
Aruba No - data is collecte 0
Australia No - data is collecte 0
Austria Yes - data on Indivi 1 1 1 GrokrediteGKE 1986 3 Ministry of Private 1 1 1
Bahrain Yes - data on Indivi 1 1 1 Central Ris CRU 1979 Central Ba 1 Private 1 1 0
Barbados No - data is collecte 0
Belarus 1 1 1 National Bank of the R Dec-96 Central Ba 1 1 1
Belgium Yes - data on Indivi 1 1 1 See memo 1967 Central Ba 1
Belize 0
Bermuda 0
Bolivia c. S - existe un reg 1 1 1 Central de CIRC 1989 b. Superin 2 a. Banc 1 0 0
Brazil Yes - data on Indivi 1 1 1 Central de Risco de Cr 1997 Central Ba 1 Private 1 1 1
Canada No - data is collecte 0
Cayman Islands No - data is collecte 0
Chile c. S - existe un reg 1 1 a1nivelArchivo
informatico
De R04
desde 1986, en libros
b. Superin
data desde los
2 aos '50 a. Banc 1 1 0
Colombia c. S - existe un reg 1 1 1 NOTA: Se aclara que l 1990 b. Superin 2 a. Banc 1 1 1
Costa Rica c. S - existe un reg 1 1 1 Central de Deudores 1995 b. Superin 2 a. Banc 1 1 1
Croatia No - data is collecte 0
Cyprus No - data is collecte 0
Czech Republic No - data is collecte 0
Dominican Republic c. S - existe un reg 1 1 1 Sistema de Informaci 1994 b. Superin 2 a. Banc 1 1 1
Ecuador c. S - existe un reg 1 1 1 CENTRAL CDR 1997 b. Superin 2 a. Banc 1 1 1
El Salvador c. S - existe un reg 1 1 1 CENTRAL CTRI 1994 b. Superin 2 a. Banc 1 1 0
France Yes - data on Busin 1 0 1 BANQUE DSCR 1946 Central Ba 1 Private 1 1 1
Germany Yes - data on Indivi 1 1 1 Evidenzzentrale fr M 1934 Central Ba 1 Private 1 1 1
Guatemala c. S - existe un reg 1 1 1 Sistema de SIC 1996 b. Superin 2 a. Banc 1 1 1
Guyana 0
Hati Yes - data on Indivi 1 1 1 Centrales des Risques 1980 Central Ba 1 Private 1 1 0
Hong Kong Yes - data on Indivi 0
India No - data is collecte 0
Indonesia Yes - data on Indivi 1 1 1 SISTEM I SID 1973 Central Ba 1 Private 1 1 1
Ireland **LARGE EXPOSURES0
Italia Yes - data on Indivi 1 1 1 Centrale deiC.R. 1962 Central Ba 1 Private 1 1 0
Latvia 0
Lithuania Yes - data on Indivi 1 1 1 Loan Risk Data Base 1996 Central Ba 1 Private 1 1 1
Luxembourg No - data is collecte 0
Malawi No - data is collected 0
Malaysia Yes - data on Individ 1 1 1 Central Credi
CCB 1988 Central Ban 1 Privat 1 0 1
Mexico c. S - existe un reg 1 1 1 Servicio NaSENICREB 1964 a. Banco C 1 a. Banc 1 0 1
Moambique Central Ban 1 Privat 1 0 0
Netherlands No - data is collecte 0
Netherlands Antilles No - data is collecte 0
New Zealand No - data is collecte 0
Nicaragua c. S - existe un reg 1 1 1 Sistema deSCR b. Superin 2 a. Banc 1 1 1
Panama d. No - no existe ni 0
Paraguay c. S - existe un reg 1 1 1 CENTRAL CRC b. Superin 2 a. Banc 1 1 0
Peru c. S - existe un reg 1 1 1 CENTRAL CTRAL DE 1968 b. Superin 2 a. Banc 1 1 0
Portugal Yes - data on Indivi 1 1 1 Servio de Centraliza 1978 Central Ba 1 Private 1 1 0
Puerto Rico No - data is collecte 0
RWANDA Yes - data on Individ 1 1 1 BANQUE NAT
B.N.R. 1990 Central Ban 1 Privat 1 1 1
SENEGAL Yes - data on Individ 1 1 1 CENTRALEC DR 1979 Central Ban 1 Privat 1 1 1
Singapore Yes - data on Busin 0
Slovak Republic Yes - data on Busin 1 0 1 Register of Bank Loan 1996 Central Ba 1 Private 1 1 0
Spain c. S - existe un reg 1 1 1 Central de CIR 1962 a. Banco C 1 a. Banc 1 1 1
Sweden No - data is collecte 0
Tanzania No - data is collecte 0
Trinidad and Tobago No - data is collecte 0
Turkey Yes - data on Busin 1 0 1 The CentralCBRT 1951 Central Ba 1 Private 1 1 1
United Kingdom No - data is collecte 0
Uruguay c. S - existe un reg 1 1 1 Central de CRC 1982 a. Banco C 1 a. Banc 1 1 0
Venezuela c. S - existe un reg 1 1 1 Sistema CeSICRI 1975 b. Superin 2 a. Banc 1 1 1
s
15
as
Bancos, N Sa
u January
1488
Artculo nct
2 2.
b 1999
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14 ion
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it 2.9
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N 22203
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t finan card provi & to a in1994).
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9
a March
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n dede2197 reporting? ?
n corp ers loans s A2.5Other # providing Amt credits in PCRcurrency date exact/est data a laws ing fees actions
1999
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Normas, to
0 0 0 0 0 7 S 1 InstrutivoContables
Normas S para las1Entidades Financieras.
0 0
translate
o
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0 0 1 0 0 Administrad150 97.510 Millones d May 99 Cifra exact S 1 Deudores
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0 CONAU 1 1)
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BMA75Ttulo
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0 0 0 0 0 Credit card 19 N/A BD N/A Estimate Yes 1 Sistemas
EDBC 605/93
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95/26/EG
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All listed 175 200.000.000.000 EUR 31.12.98 Estimate Yes 1 1999).
n
de
dos Yes 1 supe 0 1
requerida
Informaci
ltimas
en
n el
de
contienen
1 0 0 0 0 Mutuales de71 32388687050 Bolivianos 30/06/99 Cifra exact S 1 artculo
Riesgos"
las S 1 i. m 1 0
0 1 0 0 0 442 333 bilions Brazilian R June, 30th Exact figur Yes 1 12 del
Resolution
intruccion Yes 1 pena 1 1
Reglamen
es para
to
lospara la
0 0 0 0 0 Sociedades30 US$ 50.000 millo Dolar USA 07/99 Cifra estim S 1 valuacin
bancos) S 1
1 1 0 0 0 100 $30 billones Dlares Junio 1999 Cifra estim S 1 de los II S
Captulo 1 i. mCosta 1 Rica, Ley
1 7558
Ley Orgnica del Banco Central de
activos
1 1 0 0 0 92 $3,208,300,000 dlar de E 31 julio 19 Cifra exact S 1 Acuerdo Sugef S 1-95 1 ii. 0 1
crediticios
y normas
Normas
para Bancarias
Establecidas
determina Mediante la Segunda Resolucin de la Junta
0 1 1 0 0 Bancos de D
190 66,785,790,845 RD$ 31-12-98 Cifra exact S 1 Monetaria
Banking
ry de
ActS
offecha 29 de junio
the Federal 1Republic
de
i. m1993. 1
of Germany, 0
1 1 1 0 0 103 75''906.000'000. SUCRES 30-06-99 Cifra estim S 1 EL ARTICUS
last amendment in 1998 1
clasificar i. m 1 0
0 0 0 0 0 38 52,653,624,709.3 COLONES 31 DE JUL Cifra exact S 1 Estan
Loi
los obli Sde 1984
bancaire
de 1 i. m 1 0
1 1 0 0 0 901 920 Milliards EURO Juin 1999 Exact figur Yes 1 Dcision duRegulation,
Exposures
recuperac Yes
Conseil National
1 du Crdit
supe 0 1
1 1 0 0 0 Insurance 5200 10400 billion DEM 31.03.1999Exact figur Yes 1 last amendment
in Yes in 1999 1 pena 1 1
0 0 0 0 0 Sociedades55 18,694 millones Quetzal Cifra estim S 1 dudosa. S 1 i. m 1 0

0 0 0 0 0 12 5.5 billions Gourdes sept. 1997 Exact figur Yes 1 art. 63 of Yes 1 pena 1 0
-Italian banking law (decree 1 September 1993, n 385)
- Resolution of the Interministerial Committee for Credit
0 0 0 0 0 168 306171 B IDR 07,1999 Estimate Yes 1 and
CIRCULAR
Saving Yes
(CICR), dated 29 1 March
pena19941 1
- Banca d'Italia provision dated 10 August 1995
1 1 0 0 0 1063 890691675819 EURO 30.6.1999 Exact figur Yes 1 The
- Banca d'Italia
Board Yes
of instructions
the 1 pena
Bank of Lithuania 1
Resolution 0 125 of
No.
December 21, 1995 (New version No. 198, of October 29,
0 0 0 0 0 Bank subsi 24 2.2 billion USD 23 08 1999Exact figur Yes 1 on the Rules Yesfor Managing 1the Loan
supeRisk0 Data Base
1

Convenio celebrado entre el Banco de Mxico y las


0 1 0 0 0 Privately 237.4 billion MYR 30 June 199Estimate Yes 1 instituciones
Central Ba Yes 1 pen
financieras del pas 1 junio de
el 12 de 0 1964,
0 0 0 0 0 119 786458000000 pesos 5/99 Cifra exact S 1 y Ley de instituciones
S de crdito
1 iii.
articulo 094 bis 5 0
1 0 0 1 0 9 Yes 1 Circular n. 0Yes 1 sup 0 1

Decreto
RESOLUCION#828 Ley
-ART. 158;159 DEL
DE General de Bancos
LADIRECTORIO
LEY N26702 DELy BANCO
-LEYdeGENERAL
OtrasCENTRA
DEL
0 0 0 0 0 15 1,030.9 $Millones 30-06-99 Cifra exact S 1 N12
Instituciones
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Y DEL 1 1994.
DE
SISTEMA i. mSEGUROS
DE 1 Y0ORGANI
LEY N 861 "GENERALDE
SUPERINTENDENCIA DEBANCA
BANCOS,FINANCIERAS
Y SEGUROS. YO
0 1 0 0 0 CAJA DE 73 6.373.565.863.00 GUARANIES JUNIO/99 Cifra exact S 1 -CIRCULAR
DE CREDITO SNDEL 24 DE JUNIO
B-1926-92 1DE 30/11/92
i.DE
m 1996.
1-INFORME0 CRED
0 1 1 1 0 133 66092000000 NUEVOS S31/05/1999Cifra estim S 1 CONFIDENCIALS (ICC). 1 i. m 1 0
1 1 1 0 0 242 143.518.401 Euro 1000 1999-05-31Exact figur Yes 1 Decree-LawYes 1 pena 1 0

1 0 1 0 0 9 69.313.421.000 FRW 31.12.1999 Exact figureYes 1 BANKING Yes 1 pen 1 0


0 0 0 0 0 90 2 100 Milliards FCFA JULY 1999 Exact figureYes 1 INSTRUCTYes 1 pen 1 0
Banking Act No. 21/1992 Zb.
0 0 0 0 0 26 789.455 mil. SK 8/99 Estimate Yes 1 Decreto-Ley
Guideline No.
Yes12/1996de
18/1962, of 7the
1deNational
pena
junio deBank
1 of Slovakia
1
nacionalizacin y
1 0 0 0 0 Fondos de 435 160 billones Peseta 1999-06 Cifra exact S 1 reorganizacin
S del Banco de 1 Espaa
i. m 1 1

The Law of CBRT, No:1211, Article 44

0 0 0 0 0 84 76 Billion $ June 1999 Exact figur Yes 1 The


CartaRegulation
Yes del
Organica of Risk Centralization
Banco 1
Centralpena 1
del Uruguay 0 No.
- Ley
16.696 del 30/03/1995, articulo No. 39
1 0 0 0 0 49 7.529: Millones d 30/06/1999Cifra exact S 1 Circular No.S1.579 1 i. m 1 1
1 1 1 0 0 91 10.725.366.947,0 US$ julio 1999 Cifra exacta Resolucin S 1 i. m 1 1
nct
2.10. ion
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access non- sanctions pli how many how many provide provide contains contains collecte taxp repo amt inter
to data complia other been ed sanctioned sanctioned voluntarily voluntarily consumer consum d on addr ayer rt'g of est
denied nce penalty penalty fees applied? ? ? ? ? ? info? er info? cons? name ess ID inst loan rate
0 0 1% a 20% do capital soci
(i) Banking No - toda l 0 S - el RPC 1 a. Nombre 1 1 1 1 1 0
0 0 Gastos por
Andno presen S 1 mas de 25 4 No - toda l 0 S - el RPC 1 a. Nombre 1 1 0 1 1 0
Financial
Institutions
0 0 Penalty
Act 1989fees No 0 No - all dat 0 Yes 1 Name of i 1 1 0 1 1 0
0 0 (BAFIA): Yes 1 1-3 1 No - all dat 0 Yes 1 Name of i 1 1 0 1 1 0
fine not
exceeding 0 1 1 1 0 1 1 0
0 1 one million
AdministFrom 247,89 Yes 1 4-10 2 No - all dat 0 Yes 1 Name of i 1 1 1 1 1 0
ringgit and
in the case
0 0 of
200 a BolivianoS 1 mas de 25 4 S - alguna 1 S - el RPC 1 a. Nombre 1 0 1 1 1 1
continuing
1 0 R$ 150/day Yes 1 More than 4 No - all dat 0 Yes 1 Taxpayer 0 0 1 1 1 0
offence,
shall, be
liable to be
Las sanciones
punishedse deteS 1 1a3 1 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0
0 0 US$6.000
with a daily S 1 4 a 10 2 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0
0 0 fine not No 0 No - toda l 0 S - el RPC 1 a. Nombr 1 0 0 1 1 0
exceeding
one
thousand
0 0 De RD$1,000
ringgit for a RD$10,00 mas de 25 4 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0
1 0 every
DE 50day A 30 S 1 11 a 25 3 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 0 0
0 0 during colo S
hasta 5,000.oo 1 4 a 10 2 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 1
0 0 which the No 0 No - all dat 0 No 0
0 0 offence
max. 100000 No 0 No - all dat 0 Yes 1 Name of i 1 1 0 1 1 0
0 0 continues.
Hasta Q.10.0S 1 11 a 25 3 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 1
(ii) Islamic
0 0 Banking Act No 0 No - all dat 0 Yes 1 Name of i 1 1 1 1 1 0
1983: fine
not
exceeding
1 0 one
four million r Yes 1 More than 4 No - all dat 0 Yes 1 Name of i 1 1 1 1 1 1
thousand
0 0 Persons
ringgit forperfoYes 1 1-3 1 No - all dat 0 Yes 1 Name of i 1 0 1 1 1 0
every day
0 0 during Yes 1 1-3 1 No - all dat 0 Yes 1 Name of i 1 0 0 1 1 1
which the
default
0 0 continues. No 0 Yes - some 1 Yes 1 Name of 1 1 0 1 1 0
1 0 S 1 1a3 1 S - alguna 1 S - el RPC 1 a. Nombre 1 1 1 1 1 0
0 0 Yes 1 4-10 2 No - all dat 0 Yes 1 Amount of l 0 0 0 0 1 0

0 0 Amonestaciones EscriS 1 1a3 1 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 1

0 0 APERCI10 A 50 SA S 1 1a3 1 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0


1 1 560000 S 1 1a3 1 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0
1 0 Mere brebetween EuroYes 1 11-25 3 No - all dat 0 Yes 1 Name of i 1 0 1 1 1 0

0 0 0 Yes 1 1-3 1 No - all dat 0 Yes 1 Name of 1 1 0 1 1 1


0 0 0 Yes 1 1-3 1 No - all dat 0 Yes 1 Name of 1 1 0 1 1 0

0 0 No 0 No - all dat 0 No 0
0 0 The amount of
S 1 1a3 1 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0

1 0 0 1-3 Billion Tu Yes 1 4-10 2 No - all dat 0 No 0

0 0 0 S 1 4 a 10 2 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0


1 0 0 0,01% CapitaS 1 1a3 1 No - toda l 0 S - el RPC 1 a. Nombre 1 0 1 1 1 0
Na 3. nes
3.2 3.2 3.2 me
3.2 3.2 2. 3.2 3.2 3. 3. 3.2 3. s
3.2
3.1. 3.1. 3.1. 3.1. 3.1. 3.1. 3.1. 3.1. 3.1. 3.1.2.Oth .2. .2. .2. of
.2. .2. 2. .2. .2. typ
2. val
2. .2. 2. gro
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rep e ue na up
2.g 2.h 2.i 2.j 2.k 2.l own 2.m
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orti e
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or
type valu ers'p onal r other tax ng oun ere typ col col ng of con
type of e of ratin of finan pers consumer pay insti t of st mat e of lat lat of ow glo
mat of colla colla g of busi cial onal tax informatio na add er tuti loa rat urit loa era era loa ner mer
urity loan teral teral loan ness data info info n collected Firm Data? Firm Data? Categories me ress ID on n e y n l l n (s) ate
1 1 1 0 1 0 0 0 0 9 S - el RPC 1 a. Nombre d 1 1 1 1 1 0 1 1 1 0 1 0 0
0 0 1 1 1 0 0 0 0 7 Los camposS - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 0 1 1 1 0 0
number

0 1 0 0 0 1 0 0 0 6 Yes 1 Name of fir 1 1 0 1 1 0 0 1 0 0 0 0 1


0 1 0 0 0 1 0 0 0 6 Yes 1 Name of fir 1 1 0 1 1 0 0 1 0 0 0 1 1

1 1 1 0 0 1 0 0 0 1 1 1 1 1 1 0 1 1 1 0 0 1 0
0 1 0 0 0 0 0 0 0 6 Amount of cYes 1 Name of fir 1 1 1 1 1 0 0 1 0 0 0 0 0

1 1 1 1 1 0 0 1 0 11 Actividad ES - el RPC 1 a. Nombre d 1 0 1 1 1 1 1 1 1 1 1 0 0


1 0 0 0 0 0 0 0 0 4 Yes 1 Taxpayer Id 0 0 1 1 1 0 1 0 0 0 0 0 0

0 1 0 0 1 0 0 0 0 6 S - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 1 0 0 1 0 0
0 1 0 0 1 0 0 0 0 6 S - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 1 0 0 1 0 0
0 1 0 0 1 0 0 0 0 5 Cdula de iS - el RPC 1 a. Nombre d 1 0 0 1 1 0 0 1 0 0 1 0 1

0 1 0 0 1 0 0 0 0 6 S - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 1 0 0 1 0 0
0 1 1 1 1 0 0 0 0 7 S - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 1 1 1 1 0 0
1 1 0 0 1 0 0 0 0 8 destindo deS - el RPC 1 a. Nombre d 1 0 1 1 1 1 0 1 0 0 1 0 0
0 Yes 1 Name of fir 1 1 0 1 1 0 1 1 0 0 0 0 0
0 1 0 0 0 1 0 1 0 7 Yes 1 Name of fir 1 1 0 1 1 0 0 1 0 0 0 1 1
0 1 1 1 1 0 0 0 0 9 Identificac S - el RPC 1 a. Nombre d 1 0 1 1 1 1 0 1 1 1 1 0 0

1 1 0 0 1 0 0 0 0 8 Yes 1 Name of fir 1 1 1 1 1 0 1 1 0 0 0 0 0

1 1 1 1 1 1 0 0 0 12 Yes 1 Name of fir 1 1 1 1 1 1 1 1 1 1 1 1 1

1 1 1 1 1 0 0 0 0 9 - Activity Yes 1 Name of fir 1 0 1 1 1 0 1 1 1 1 1 0 0

1 1 1 1 1 0 0 0 0 9 identificat Yes 1 Name of fir 1 1 0 1 1 1 1 1 1 1 1 1 0

1 1 1 1 1 1 0 0 0 Yes 1 Name of fi 1 1 0 1 1 0 1 1 1 1 1 0 0
0 1 0 0 1 0 0 0 0 7 S - el RPC 1 a. Nombre d 1 1 1 1 1 0 0 1 0 0 1 0 0
0 0 0 0 0 0 0 0 0

1 1 1 1 1 0 0 0 0 10 Varias (Mo S - el RPC 1 a. Nombre d 1 0 1 1 1 1 1 1 1 1 1 0 0

0 0 0 1 1 0 0 1 0 7 SITUACIONS - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 0 0 1 1 0 0


0 1 1 1 1 0 0 1 1 10 S - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 1 1 1 1 1 0
0 1 0 0 0 0 0 0 0 5 Class of cr Yes 1 Name of fir 1 0 1 1 1 0 0 1 0 0 0 0 0

1 1 1 1 1 1 1 1 0 Yes 1 Name of fi 1 1 0 1 1 1 1 1 1 1 1 1 1
0 1 0 0 0 1 0 0 0 Yes 1 Name of fi 1 1 0 1 1 0 0 1 0 0 0 0 0

0 Yes 1 Name of fir 1 1 1 1 1 0 1 1 1 1 1 1 1


1 1 1 0 1 0 0 0 0 8 S - el RPC 1 a. Nombre d 1 0 1 1 1 0 1 1 1 0 1 0 0

0 Yes 1 Name of fir 1 0 0 1 1 0 0 1 0 0 0 0 0

1 1 1 1 0 0 0 0 0 8 a) Califica S - el RPC 1 a. Nombre d 1 0 1 1 1 0 1 1 1 1 0 0 0


0 1 1 1 1 0 0 0 0 8 Actividad S - el RPC 1 a. Nombre d 1 0 1 1 1 0 0 1 1 1 1 0 1
z dat sit
3.2 3.2 3.2 3.2 e
3 a is iv
c rep e/ Informatio Informatio
.2. .2. .2. .2. 3.2.2.Ot . 3.3.1.A 3.3.1.cu 3.4.Othe 3. A3.6.
u orte Ne n is n is
n
bal o
inco p
busi q her 3.3 3
t mount rrency 3.4
How often 3.4
d to r 3.5 5
ga 3.6
presented 3.6
presented 3.6a 1 3.6.1.a
anc me nes o data is PCR tiv by FI to by FI to
e stat s f reported fro Other Positive/N e PCR in the PCR in the Other catego unsec line
she em acti tax Loan size f to PCR m reporting egative da following following reporting ries of of cred
et ent vity info other cutoff? ? Amount Currency from Fis Fis frequency data ta format format format credit /cred card
0 0 1 0 10 Natureza No ### g.constant 0 c. Datos po 2 i. una desc 1
0 0 0 0 7 Los campos
S ###
50 pesos c.mensual 3 c. Datos po 2 iii. hay va 3 a. lnea 1

0 0 1 0 7 Yes ###
5 mio ATS monthly 3 Positive da 1 there are s 3
0 0 1 0 8 Yes ###
50,000 BD quarterly 4 Positive da 1 there are s 3 unsecure 1

0 0 1 0 ### 10 000 USD 3 2 1


0 0 0 0 6 Amount ofYes ###
24.789,35 EUR monthly 3 Positive an 2 there are s 3

0 0 1 0 11 Actividad No ### c.mensual 3 c. Datos po 2 i. una desc 1


0 0 0 0 4 Yes ###
50000 Brazilian R monthly 3 Positive an 2 a borrower' 2

0 0 0 0 6 No ### c.mensual 3 c. Datos po 2 iii. hay va 3 b. autor 0


0 0 1 0 7 S ###
$11.900 Dlares d.trimestra 4 c. Datos po 2 iii. hay va 3 a. lnea 1
0 0 1 0 7 Cdula deNo ### c.mensual 3 c. Datos po 2 i. una desc 1

0 0 0 0 6 No ### e.semestra 5 c. Datos po 2 4 hay 3 tipos de crditos: 1) Comercial


0 0 1 0 9 No ### c.mensual 3 c. Datos po 2 ii. se prese 2
0 0 0 0 7 destino deNo ### c.mensual 3 c. Datos po 2 i. una desc 1
0 0 0 0 6 Yes ###
76000 EURO monthly 3 Positive da 1 4 Regroupement des crdits d'un bn
0 0 0 0 7 Yes ###
3 million DEM quarterly 4 Negative d 0 there are s 3
0 0 0 0 9 Identific No ### e.semestra 5 c. Datos po 2 i. una desc 1
0
0 0 1 0 8 Yes ###
75,000 Gourdes quarterly 4 Positive an 2 there are s 3

0 0 1 0 14 Yes ###
50 M IDR monthly 3 Positive an 2 each loan / 1

0 0 1 0 10 - Activity Yes ###


77469 EURO monthly 3 Positive an 2 there are s 3 unsecure 1

0 0 0 0 11 Company Yes ###


12.500 USD 7 within 3 daysPositive an 2 each loan / 1

0 0 1 0 Directors oYes ### 1 million MYR monthly 3 Positive and2 each loan / 1
0 0 1 0 8 S ###
Doscientos pesos Los c.mensual 3 c. Datos po 2 iii. hay va 3 a. lnea 1
monthly 3 Positive data1

0 0 1 0 11 Varias (M No ### c.mensual 3 c. Datos po 2 iii. hay va 3 a. lnea 1

0 0 0 0 6 IAGUAL S ###
10.000.000GUARANIEc.mensual 3 c. Datos po 2 ii. se prese 2
0 0 1 1 11 ACTIVID S ###
13558 NUEVOS Sc.mensual 3 c. Datos po 2 iii. hay va 3 a. lnea 1
0 0 0 0 5 Class of cNo ### monthly 3 Positive an 2 there are s 3

1 1 1 0 Yes ### 500 FRW monthly 3 Positive and2 each loan / 1


0 0 1 0 Yes ### 5 ou 10 Mil FCFA monthly 3 Positive data1 4 a borrowers

0 0 1 0 13 Outstandi Yes ###


3000000 SK monthly 3 Positive an 2 each loan / 1
0 0 1 0 9 S ###
1.000.000 Peseta a.diariame 1 c. Datos po 2 iii. hay va 3 a. lnea 1

0 0 1 0 5 Short Ter Yes ###


3 Billion Turkish Lir monthly 3 Positive an 2 a borrower' 2

0 0 1 0 9 a) Calific S ###
18.000 Dolares Amd.trimestra 4 a. Datos po 1 iii. hay va 3 a. lnea 1
0 0 1 0 10 No ### c.mensual 3 c. Datos po 2 iii. hay va 3 a. lnea 1
a fi
r3 li
3
collec a a
3.6. 3.6. 3.6.1 3.6.1.Oth 3.7.1.Oth . .
over other t collec n t
1.b 1.c .d 3.6.1.e 3.6.1.f 3.6.1.g er
category 3.7
collat 3.7
t 3.7.1 3.7.1.a 3.7.1.b 3.7.1.c er 3.8
Include 8
t 3.9 9
i
draf hom comm.
that loans eral collat descriptio registratio pers or e include info o
t auto e sec. comm. Credit to are infor eral n/classific value of n of Other corp e on pers or n
line loan mort Line of Credit to large aggregate matio inform collateral ation of the collateral/l collateral guarantee s corp s
s s gage cred small bus corp d under n? ation? info in PCR collateral collateral iens info s? ? affiliations? ?
Yes 1 a. Descripci 1 0 0 S 1 No ###
1 1 1 1 1 1 Otros crdi Yes 1 b. Valor de 0 1 0 Slo se inc No 0 No ###

bills of ex No 0 Yes 1 Yes ###


1 0 0 0 0 0 personal guNo 0 No 0 Yes ###

1 1 1 1 ###
drawn creditNo 0 No 0 No ###

Yes 1 a. Descripc 1 1 1 S 1 No ###


No 0 No 0 No ###

1 0 0 0 0 0 Crditos deNo 0 No 0 No ###


0 0 1 0 0 0 En ColombiaNo 0 No 0 S ###
No 0 No 0 S ###

omerciales: La deuda se presenta en forma agregada. 2 Ver respuesNo 0 No 0 S ###


Yes 1 a. Descripci 1 1 0 S 1 No ###
No 0 No 0 No ###
un bnficiaire par guichet No 0 No 0 No ###
Asset itemsNo 0 No 0 Yes ###
Yes 1 a. Descripci 1 1 0 Fecha de S 1 No ###

They are aggregated by maturity: Short-term; long term. No 0 No ###


No 0

Yes 1 Description/ 1 1 1 Yes 1 Yes ###

1 1 1 1 0 0 Credit clai Yes 1 Description/ 1 1 0 Yes 1 Yes ###

Yes 1 Description/ 1 1 1 Informatio Yes 1 Yes ###

Yes 1 Description 1 1 0 Yes 1 Yes ###


0 0 0 1 1 1 No 0 No 0 No ###
1 1 1 1 1 1 Yes 1 a. Descripci 1 1 0 Ubicacion; S 1 No ###

Yes 1 b. Valor de 0 1 0 No 0 S ###


0 0 1 0 1 1 Yes 1 a. Descripc 1 1 1 S 1 S ###
Types of cr No 0 No 0 No ###

Yes 1 Description 1 1 0 Yes 1 No ###


Yes ###

Yes 1 Description/ 1 1 0 Yes 1 Yes ###


0 0 0 1 1 1 avales,leasYes 1 a. Descripci 1 0 0 No 0 No ###

No 0 No 0 Yes ###

1 0 1 1 0 0 No 0 No 0 S ###
1 1 1 1 1 1 Yes 1 a. Descripci 1 1 0 Datos de loS 1 S ###
3 atio 3
p borro
. n or u
. wers
qual b man
1 3.1 3.11.Oth 1 3.1
how ity li aged
3.10 0 3.11
classificati 1
ratin er 3.12
Guidelines 2
s 3.12a 3.12b 3.13
Who 3.13
Who 3.14
How are 4
in 3.14a 3.14b 3.15 3.16
R on or g is Other for the h Name and assigns assigns borrowers the Other
at quality assi means of classificati e document classificati the the managed data unique ID Other way
in rating is gne classifying on d number of on classificati classificati in the base to manage to manage #
Rating? g? assigned d loan published? ? guidelines categories ons? ons? database? ? borrowers borrowers individuals # firms
No 0 b. por nme 2 *
S 1 b. el prest 2 S ###
Clasificaci 1 a 6 a. Instituc 1 b. por nme 2 4,655,002 117.896

No 0 3 by identification code 58,733 36.799


No 0 No ### by taxpayer 2 By secret number see below

0 1
No 0 3 TVA--Tax o Technically 265,000 160.000

S 1 b. el prest 2 S ###
Reglamento1-5 a. Instituc 1 3 Carnet de Identidad pa 779,620 9496
No 0 by taxpayer 2 650,639 230241

S 1 b. el prest 2 S ###
Recopilaci A, B, B-, C a. Instituc 1 b. por nme 2 3,024,000 80.500
S 1 b. el prest 2 S ###
Captulo II A a E a. Instituc 1 b. por nme 2 1,269,000 192000
S 1 b. el prest 2 S ###
Acuerdo SuA, B, C, D, a. Instituc 1 3 Nmero de Cdula de Id518,409 10695

S 1 4 La respuestS ###
Normas BanA,B,C1,C2,a. Instituc 1 b. por nme 2 Carnet de identificacin personal N.D.
S 1 b. el prest 2 S ###
CODIFICACA-E a. Instituc 1 b. por nme 2 825,904 15.662
S 1 b. el prest 2 S ###
A traves deCategora "a. Instituc 1 b. por nme 2 450,000 150,000.00
No 0 3 numro SIREN 900000
No 0 by name of 1 96,000 170000
S 1 a. prstamo 1 S ###
Reglamentode la "A" a a. Instituc 1 b. por nme 2 No disponib

Yes 1 individual; 2 Yes ###


Rglementat
A-C Bank superv 2 by taxpayer 2 6,118 individual and fi

Yes 1 specific loa 1 Yes ###


CIRC.LET 1-5 Reporting fi 1 by taxpayer 2

Yes 1 4 Each borrow


Yes ###
- Istruzioni di vigilanza Reporting fi 1 4 By personal5,586,750 1088300

Yes 1 individual; 3 Yes ###


Resolution 1-standard,Reporting fi 1 by name of 1 Identification Number 7,500 7 thousand

Yes 1 specific l 1 Yes ### Bank Negara P-PerforminReporting financial institu 4 Unique identi 473,132 66,751
S 1 a. prstamo 1 S ###calificaci a-e a. Instituc 1 b. por nme 2 75,000 120000
Bank supervisor / Central

S 1 b. el prest 2 S ###
Norma sobre
A, B, C, D a. Instituc 1 a. por nom 1 por numero de identificacion fiscal/contribuyen

S 1 c. el presta 3 S ###
RESOLUCIO
1a5 a. Instituc 1 b. por nme 2 81,111 37.781.-
S 1 b. el prest 2 S ###
RESOLUCIO
0-4 a. Instituc 1 a. por nom 1 1,120,000 480000
No 0 4 Firms are id2,915,433 393.284

Yes 1 individual; 2 Yes ### INSTRUCT1-5 Reporting financial institu 4 BORROWER'S


Yes ### C R 210 C R 230 Bank supervisor / Central
by name of 1 SPECIFIC IND + FIRMS
55 000

Yes 1 individual; 2 Yes ###


Guideline N5 categorie Reporting fi 1 by taxpayer 2 8.131
S 1 a. prstamo 1 S ###
Circular B Normal, vena. Instituc 1 4 Por nombre 9,370,000 622.000

No 0 4 Trade Regi 378,862 1026162

S 1 b. el prest 2 S ###
Clasificaci 1 a 5 a. Instituc 1 b. por nme 2 Personas fi 122,000 51.000
S 1 a. prstamo 1 S ###
5 capitulos A-E a. Instituc 1 b. por nme 2 1,560,000 114.300
h pu w v w C la ot pri m du
e
4 b
4. ho
4. FI
4. ho
4. B
4. U
4. O
4. w
4. he
4. st
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4. al
4.
3.18. 3.18 3.18. a
. FI
2. do
2. w
2. do
2. an
2. ni
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2. en
2. r2. at
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2. ke
2. v
2. s
2.
Is PCR g wh n't ho n't d tf Ta for fe e/l ed tin bu o
3.17 3.18.1 3.18.1 2 .2 3 3.18.3 4.1
data 1
e 4.2 a b c d e g h i j k l m n 4.2.Other 4.3
o pr pr pr Ba of x ce d. oc bu g si w
How long How long cancell cance distributed n Others
# of new is data is data ed lled Unpaid Unpaid outside c pr ov ov ov nk P co m G al re fir ne n with
credit info preserved preserved debts debts debts debts on the y who has ovi id id id su C lle en ov go au m ss da access to Reciproci
pieces/mo. ? ? on file on file on file file agency? ? access? de e e e p. R ct t t vt s s es ta data ty?
* f. ms de d 6 g. Mas 6 g. Mas 6 S ###
a. instituc 1 0 1 0 1 0 0 0 0 0 0 0 0 0 b. No - las
164.000 e. entre oc 5 a. la d 0 a. la d 0 S ###
a. instituc 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Pblico en b. No - las

87.276 repo5-7 years 4 5 to 7 4 5 to 7 4 Yes ###


public finan 1 1 1 1 1 1 0 0 0 0 0 0 0 1 No; financia
Approx 2800more than 6 debt is 0 up to o 1 Yes ###
public finan 1 0 0 0 1 1 0 0 0 0 0 0 0 0 Yes; financi

6 6 6 ### 0 0 1 0 1 0 0 1 0 0 0 0 0 0
400.000 1-2 years 2 debt is 0 8 to 10 5 Yes ###
Individuals 0 0 0 0 0 0 0 0 0 0 0 0 0 1 All partici Yes; financi

f. ms de d 6 a. la d 0 h. La i 7 S ###
c. instituc 0 0 1 0 1 1 0 1 0 0 0 0 0 0 a. S - las
600000 more than 6 Negativ 7 Negativ 7 Yes ###
public finan 1 0 1 0 1 1 0 0 0 0 0 0 0 1 Yes; financi

1.600 f. ms de d 6 a. la d 0 a. la d 0 S ###
a. instituc 1 0 1 0 1 1 0 0 0 0 0 0 1 0 a. S - las
40000 e. entre oc 5 e. de 5 4 c. de 1 2 S ###
a. instituc 1 0 1 0 1 0 0 1 1 0 1 0 1 0 a. S - las
4200 f. ms de d 6 a. la d 0 Negativ 7 S ###
a. instituc 1 0 1 0 0 1 0 1 0 0 0 0 0 0 a. S - las

N.D. f. ms de d 6 g. Mas 6 g. Mas 6 S ###


a. instituc 1 0 1 0 1 1 0 1 1 1 0 0 0 1 a. S - las
b. entre un 2 a. la d 0 a. la d 0 S ###
a. instituc 1 1 1 1 1 1 0 0 0 0 0 0 1 0 b. No - las
7000 mens b. entre un 2 a. la d 0 a. la d 0 S ###
a. instituc 1 0 1 0 0 1 0 0 0 0 0 0 0 0 a. S - las
25000 a 281-2 years 2 up to o 1 up to o 1 Yes ###
public finan 1 1 1 0 1 1 0 0 0 0 0 0 0 1 Yes; financi
480000 permore than 6 debt is 0 More th 6 Yes ###
public finan 1 0 1 0 1 1 0 0 0 0 0 0 0 1 Yes; financi
367 d. entre ci 4 a. la d 0 a. la d 0 No ###

ndividual and fi more than 6 Negativ 7 Negativ 7 Yes ###


public finan 1 0 1 0 0 1 0 0 0 0 0 0 0 0 Bank SuperYes; financi

less than 1 1 debt is 0 b. Les 1 No ###

40000 ca. more than 6 More th 6 More th 6 Yes ###


public finan 1 0 1 0 1 1 0 1 0 0 0 0 0 1 Yes; financi

about 800 3-4 years 3 Negativ 7 Negativ 7 Yes ### InformationYes; financi

5-7 years 4 5 to 7 y 4 5 to 7 y 4 Yes ### public fina 1 0 1 0 1 1 0 0 0 0 0 0 0 0 Yes; financ


2500 f. ms de d 6 S ###
a. instituc 1 0 1 0 1 0 0 0 1 0 0 0 0 0 letter i is a. S - las
1-2 years 2

scal/contribuyente a. la d 0 a. la d 0 No ###

291.725. d. entre ci 4 a. la d 0 a. la d 0 S ###


a. instituc 1 0 1 0 1 1 0 0 0 0 0 0 0 0 a. S - las
300 f. ms de d 6 h. La i 7 h. La i 7 S ###
a. instituc 1 0 1 0 1 0 1 0 0 0 1 0 0 0 a. S - las
5.000.000 more than 6 Negativ 7 Negativ 7 Yes ###
public finan 1 0 1 0 0 1 0 0 0 0 0 0 0 1 Corporate Yes; financi

200 8-10 years 5 debt i 0 More t 6 Yes ### public fina 1 1 1 1 1 1 0 0 0 0 0 0 0 0 No; financi
250 more than 6 More t 6 Yes ### public fina 1 0 1 0 1 0 0 0 0 0 0 0 0 0 Yes; financ

500 5-7 years 4 debt is 0 debt is 0 Yes ###


private fina 0 0 1 0 0 0 0 0 0 0 0 0 0 0 Yes; financi
16.545.000f. ms de d 6 a. la d 0 More th 6 S ###
a. instituc 1 0 1 0 1 1 0 1 0 0 0 0 1 0 Personas jua. S - las

1100 more than 6 Negativ 7 Negativ 7 Yes ###


public finan 1 0 1 0 0 0 0 0 0 0 0 0 0 0 Agencies AYes; financi

50.000 f. ms de d 6 h. La i 7 h. La i 7 S ###
a. instituc 1 0 1 0 0 1 0 0 0 0 0 0 0 0 a. S - las
1.4 Millone a. menos d 1 a. la d 0 a. la d 0 S ###
a. instituc 1 0 1 0 1 1 0 0 1 1 0 0 0 0 La persona a. S - las
.n .' .t .i row ion rting
t4 g
4 i4 t4 ers bor co ide
4. instit
r
. e
. ccess t
. u
. in
4.5 4.5 4.5 row
4.5 m
4.5 4.5.Oth ntifi
6. ution
4.6.
'l n restricted u t ba lar ers me ed reporting inde Format Format
4.3 4.3 4.4.1
ccess 1
b 4.4.2
ccess 2
c 4.4.3
for priv'te 3 t 4.4.4
ccess 4
i 4.5 .a .b .c .d .e er
Other 4.6.1
reporting 1 for 4.6.2
institution 2
ntifie 4.7
data is 4.7
data is
d ge aut rci
Rec restricted ' restricted i non- i restricted o restriction institution fir indentified d for presented presented
Reci ipro within n for other e fin'nci'l o for fin'nci'l n sta bor FI's h. al s on identified m for indiv when when
proci city Centr'l k Gov't s institution n institution s ccess ndi row clie Re clie access to for firm dat individual idual distriubted distriubted
ty? ? b'nk? ? 'gencies? ? s s s? ng
? restricted? ers nts qu. nts Fis data a data data to FIs to FIs
No 0 S ###No ###No ###S ###d. las inst 0 0 0 1 0 No 0 No 0 c. Cada pr 3
No 0 No ###No ###No ###No ### S 1 S 1 b. La deuda 2

No 0 Yes ###Yes ###Yes ###No ###


Yes 1 Yes ###No ###Yes ###No ### Access restrYes 1 Yes 1 An individua 1

1 ### ### ### ###


Yes 1 No ###Yes ###Yes ###Yes ###access rest 0 0 0 0 1 No 0 No 0 4

Yes 1 No ###S ###S ###No ###


Yes 1 No ###Yes ###Yes ###Yes ###institution 0 0 0 1 0 No 0 No 0 An individua 1

Yes 1 S ###S ###S ###S ### Se entrega No 0 No 0 a. La suma 1


Yes 1 S ###S ###S ###S ###d. las inst 0 0 0 1 0 S 1 S 1 b. La deuda 2
Yes 1 S ###S ###S ###S ###d. las inst 0 0 0 1 0 S 1 b. La deuda 2

Yes 1 S ###S ###S ###S ###a. acceso r 1 1 1 0 1 S 1 S 1 a. La suma 1


No 0 No ###S ###S ###No ###d. las inst 0 0 0 1 0 No 0 No 0 a. La suma 1
Yes 1 No ###S ###S ###S ### La restrinc S 1 S 1 b. La deuda 2
Yes 1 No ###Yes ###Yes ###Yes ###access rest 0 1 0 0 0 No 0 An individua 1
Yes 1 Yes ###Yes ###Yes ###Yes ###access restr 0 0 1 0 0 No 0 No 0 4

Yes 1 Yes ###Yes ###Yes ###Yes ### information No 0 No 0 Each loan or 3

Yes 1 Yes ###Yes ###Yes ###Yes ###access restr 0 0 1 0 0 Access restNo 0 No 0 An individua 1

Yes 1 Yes ###Yes ###Yes ###Yes ###access rest 1 1 1 0 1 Yes 1 Yes 1 Each loan or 3

Yes 1 Yes ### Yes ### Yes ### Yes ### access restr0 0 1 0 0 No 0 No 0 Each loan o 3
Yes 1 No ###S ###S ###No ###
Yes 1 S ###S ###S ###S ###d. las inst 0 0 0 1 0 No 0 No 0 b. La deuda 2
Yes 1 No ###S ###S ###No ###e. acceso r 0 0 0 0 1 No 0 No 0 a. La suma 1
Yes 1 Yes ###Yes ###Yes ###Yes ###access restr 0 0 1 1 0 No 0 No 0 4

No 0 No ### Yes ### Yes ### No ### access restr0 0 1 0 0 No 0 No 0 An individu 1


Yes 1 Yes 1 Yes 1 An individu 1

Yes 1 Yes ###Yes ###Yes ###Yes ### No 0 An individua 1


Yes 1 S ###S ###S ###S ###c. acceso re 0 0 1 1 0 No 0 No 0 4

Yes 1 Yes ###Yes ###Yes ###No ###

Yes 1 S ###S ###S ###S ###b. acceso r 0 1 1 0 0 Datos cont No 0 No 0 a. La suma 1


Yes 1 S ###S ###S ###S ### No 0 No 0 a. La suma 1
ot ent
4. 4. 4. 4. 4. he in
4. 4.
4.7.Othe 8. 8. 8. 8. 8. r4. fir
8. fin
8. 4.9. 4.9. 4.9. 4.9. 4.9. 4.9.Oth 4.10.Ot
Other int cla gu ms an Most Most Most
rpresentatio 4.8 a b c d e 8.f g h 4.9 a b 4.9.c d e 4.9.f g erOther way 4.10
common 4.10
common her
common
loa m er ssi col ar /ot cia
n format how data data is way for way for way for
for n at est fic lat an her l may be disk in writte made data to be data to be data
distribution info made a uri rat ati er te loa inf delivered intern mode or perso n available distributed distributed distributio
to Fis avail to Fis mt ty e on al es ns o to Fis et ms CDs phone fax n docs to Fis to FIs to FIs n - Other
a. Monto de 1 1 0 0 0 0 1 0 c. En disq 0 0 1 0 0 1 1 g. En docu 7
a. Monto de 1 0 0 1 1 1 0 0 a. A travs 1 0 1 0 0 0 0 c. En disq 3

via compute 0 0 1 0 1 0 1 via facsimil 5


loan or deb 1 0 0 0 0 1 1 0 via written 0 0 0 0 0 0 1 via written 7

0 0 0 0 0 0 1 7
Loans from aloan or de 1 0 0 0 0 0 0 0 via compute 0 0 1 0 0 0 1 All reportin via comput 3

b. Mediant 0 1 1 0 0 0 0 Intranet b. Mediant 2


loan or deb 1 1 0 0 0 0 0 0 via modems 0 1 0 0 0 1 1 via modems 2

a. Monto d 1 0 0 0 0 0 0 0 f. Persona 0 0 0 0 0 1 1 Archivos Magneticos 8 Archivos Magnetico


a. Monto de 1 0 0 1 0 0 1 0 b. Mediante 0 1 0 1 0 1 0 b. Mediant 2
a. Monto de 1 0 0 1 0 0 0 0 g. En docu 0 0 0 0 0 0 1 g. En docu 7

c. En disq 0 0 1 0 0 1 1 g. En docu 7
a. Monto de 1 0 0 1 0 1 0 0 b. Mediant 0 1 1 0 0 1 1 b. Mediant 2
a. Monto de 1 0 0 1 0 0 0 0 b. Mediant 0 1 1 0 0 1 1 c. En disq 3
indication d loan or deb 1 1 0 1 0 0 0 0 via modems 0 1 1 0 0 0 1 via modems 2
An indiviual' loan or deb 1 0 0 0 0 0 1 0 via modems 0 1 1 0 0 0 1 via comput 3

loan or deb 1 0 0 1 0 0 1 0 via written 0 0 0 0 0 0 1 classificat via written 7

loan or deb 1 1 0 1 1 1 1 0 via modems 0 1 1 0 0 0 0 via modems 2

loan or debt 1 1 1 1 1 1 0 0 Banks makevia internet 8 email

loan or debt1 0 0 1 1 0 0 0 via computer 0 0 1 0 0 0 0 via Financial Institutio 8 via Financi


b. Mediante 0 1 0 1 0 0 0 b. Mediant 2
via written d 0 0 0 0 0 0 1

a. Monto de 1 0 0 1 0 0 1 0 g. En docu 0 0 0 0 0 0 1 g. En docu 7


a. Monto de 1 0 0 1 1 1 0 0 c. En disq 0 0 1 0 0 0 0 c. En disq 3
Individual's loan or deb 1 0 0 1 0 0 0 0 via modems 0 1 1 0 0 0 1 via modems 2

loan or debt1 1 1 0 0 0 0 0 via written d 0 0 0 0 0 0 1 via written 7


loan or debt1 0 0 1 0 0 0 0 via written d 0 0 0 0 0 0 1 via written 7

loan or debt 1 0 0 1 1 0 0 0 via modems 0 1 0 0 0 0 0 via modems 2


Suma total da. Monto de 1 1 0 1 1 1 0 0 b. Mediant 0 1 1 0 0 1 1 c. En disq 3

via comput 0 0 1 0 0 0 0 Electronic via comput 3

a. Monto de 1 0 0 1 1 1 1 0 b. Mediant 0 1 0 0 0 0 0 b. Mediant 2


La letra "A" a. Monto de 1 0 0 1 1 1 0 0 b. Mediant 0 1 0 0 0 1 0 b. Mediant 2
Pos tor
Pos Da use
Dat ta rs
4.11.ov 4. 4. 4. 4.14.1. 4.14.2.
Historical Historical a ma Are of
4.11 4.11 r25K 4.12
data 4.12
data 13
ma 13
de 4.13.1 4.14
private 14 4.14.1
dat Most 4.14.1
Most Other 4.14.2 4.14.2 Other
volume of volume of volume of available available de av sector a common common Other Other time
consultati consultati consults if for for ava ail Cherry users of cha payment payment payment Time for Time for frame for
ons on- ons on- over distributio distributio ilab abl Picking data rge arrangeme arrangeme arrangeme subscriptio subscriptio subscriptio
line line 25,000 n n le? e? Question puntual
Consulta charged?
de losd?deudores
nt usedde lantcartera
used de nt used ns ns n
a. menos d 1 * f. Los que 6 No 0 No h restNo
consumo 0
o vivienda en situacin normal y Por compra individual de cada CD-ROM mensual.
5 500.000 a. Los del 1 S 1 cumplimiento
S inadecuado
1 (situaciones
c. Por una 1 y 2)
3 La consultaanual
por Internet es gratuita
4 O bien por

limited number of consultations and limited


Three to fi 4 Yes 1 amount of data
No offered per
0 consultation
N/A Current yea 2 Yes 1 No restricti No 0 N/A

4 0 Use of the data for marketing


0 reasons is legally
Current mo 1 Yes 1 prohibited. Yes 1 Fee based on 4 Quarterly 2

No restrictions besides the borrower's


5 102719 a. Los del 1 S 1 No existen Noto access their
authorization 0 information in the
5 30000 One to two 3 PCR. So, the Yes
borrowers 1must
Users
be its
charg
client too.
1

Slo se cobra un cargo a personas fsicas y


os Magneticos a. Los del 1 S 1 No hay restS 1 juridicas que desean pedir sus propios datos
c. Los que 3 S 1 La consultaNo 0 La Superintendencia Bancaria al enPara la Superintendenci
b. entre 1. 2 a. Los del 1 No 0 No 0

No 0 No 0
d. entre 10 4 a. Los del 1 S 1 NINGUNA. No 0
no lo hemo a. Los del 1 S 1 Las entidadNo 0
10001 - 25 4 Current yea 2 Voir rponsYes 1 Users charg 1
Current mo 1 No 0

Current yea 2 Yes 1 None. No 0

The italian C.R. regulation states that access to


C.R. data is possible only for purposes strictly
connected
Banks to risk
receive management.
consolidated Bank of about
information Italy the
5 170000 ca. One to two 3 Yes 1 borrower
inspectors- i.e.
verify
No total
theindebtedness,
respect
0 of thethe
regulation.
performance of the loans, etc. Banks, which
less than 1 1 Three to fi 4 Yes 1 issued loans Noare not disclosed.
0

less than 1 1 Three to five 4 Yes 1 No 0


S 1 No 0
NO SE PROPORCIONAN NOMBRES DE ENTIDADES DE
a. Los del 1 S 1 As
CREDITOS
NINGUNA.
a general S
CON
rule, LAS
eachQUE
TRANSPARENCIA1 d.OPERA
Basado
ABSOLUTA
Financial e
Institution 4hasLA INFORMACION.
EN mensual 1
a. Los del 1 S 1 LIBRE
access COMPETENCIA.
to itsNo
own clients0or to indebtness of
5001 - 100 3 Current mo 1 Yes 1 other's clients
Noif authorized.
0

Current month 1 Yes 1


Current month 1 Yes 1 Monthly 1
Cada IF tiene acceso a los datos del RPC de sus
less than 1 1 Current mo 1 Yes 1 clientes.
No restrict Noacceder a0los datos de los que no No Fees
para
a. Los del 1 S 1 son clientesNo
necesitan su
0 autorizacion

More than 6 Yes 1 Information


La consultaNo 0
a los prestatarios que no operan en la
institucion, es individual y no se suministra la o
d. Los que 4 S 1 las instituciones
No de la que 0 son clientes.
a. Los del 1 S 1 El factor f No 0
nt
us Notable
ers reaction
4.14.3.C 4. 4.18.Re 4.19.Re
Are public ch Notable from
4.14.3 urrency 4.15
sector/gov 15
arg 4.16 4.16 4.17 4.17 4.18 4.18 action
reaction 4.19 4.19 action
private
Fees for Currency ernment ed impact of impact of PCR use PCR use from credit
the most of most users for PCR on PCR on by by financial reaction of reaction of informatio
common common charged dat lending lending financial financial reaction of reaction of institution Priv Cred Priv Cred n
service service for data? a? decisions decisions inst inst Fin.Inst. Fin.Inst. s Bureaus Bureaus providers
No 0 a. los dato 4 c. el RPC n 3 a. muy posi 4 A contnua a. muy posi 4
10 pesos por No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4 a. muy posi 4

No 0 somewhat si 3 the PCR is 2 positive 3 negative 1


No 0 somewhat si 3 the PCR is 2 very positi 4 FI's have expressed a wish for the Not applicable.

0 3 2 1 2
Yes 1 somewhat si 3 the PCR is 2 positive 3 No private credit information prov

No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4 b. positiva 3


53/megaby Brazilian R No 0 very signif 4 the PCR is 2 very positi 4 no reaction 2

US$ 0,6 Dolar USA No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4 a. muy posi 4
Superintendencia Bancaria,
No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4 a. muy posi 4
No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4 a. muy posi 4

No 0 a. los dato 4 b. el RPC e 2 b. positiva 3 Solicitan t b. positiva 3


No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4 CONSIDERARON DE VITAL IMPORTANCIA LA CDR, PUES ANTE
No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4
very signif 4 the PCR is 2 very positi 4 positive 3
No 0 somewhat si 3 the PCR is 2 very positi 4 Banks disagreed with the raise of the theshold because of the loss o

No 0 somewhat si 3 the PCR is 2 positive 3 positive 3

very signif 4 the PCR is 2 very positi 4

No 0 very signif 4 the PCR is 1 very positi 4 no reaction 2

No 0 very signifi 4 the PCR dat 3 positive 3 no reaction 2


a. los dato 4 a. el RPC e 1 a. muy posi 4 b. positiva 3
1.374.282.-GUARANIES 1 a. los dato 4 a. el RPC e 1 b. positiva 3 b. positiva 3
No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4 b. positiva 3
No 0 somewhat si 3 the PCR is 2 positive 3 Only the Financial Institutions are

No 0 very signifi 4 the PCR is 1 positive 3


No 0 very signifi 4 the PCR is 2 positive 3 positive 3

0 No 0 somewhat si 3 the PCR is 2 positive 3 positive 3


No 0 a. los dato 4 b. el RPC e 2 a. muy posi 4

No 0 very signif 4 the PCR is 1 very positi 4 Non-Bank fivery positi 4 They want to access to PCR data

No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4


No 0 a. los dato 4 a. el RPC e 1 a. muy posi 4
formation provider.

R, PUES ANTES NO SE TENIA NINGUN FILTRO DE INFORMACION PARA LA TOMA DE DECISIONES CREDITICIAS

se of the loss of information


Institutions are providers of credit information to the PCR

ss to PCR data
n s y s d
g e z t et
d d e a er
a t d t m
t o f i in
a a o s e
i n r t to id i
n a s i ta e m
l l u 5
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w l nt pr
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a h h. in ify ov
a
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e t v o ev ev bt gl ov nt
Country 5.1/8.16
Ask FI s 1
x 5.2 2
r data 5.3 3 i year 5.4 5.5 5
d 1
el 1
el ae bo c
isi d
ify
are using a e analyzed s begun use e o o d m o tr
data in m Data used n for i for developed l p p n er ni e
loan s to analyze d supervisio o supervisio statistical s e e es at n n
exams? ? trends s n n n models? ? d d s es g ds
Angola No ###No ###No ### S ###des1 0 0 0 2
Argentina S ###S ###S ###1991 S ###des1 1 0 1 1
Aruba Yes ###
Australia Yes ###
Austria Yes ###Yes ###Yes ###1986 Yes ###Dev1 1 2 0 0
Bahrain Yes ###Yes ###Yes ###1979 Yes ###Dev1 2 0 1 3
Barbados No ###
Belarus ### ### ### 1997 ### 0 1 0 0
Belgium Yes ###Yes ###Yes ###1967 No ###
Belize
Bermuda No ###
Bolivia S ###S ###S ###1989 S ###des1 1 2
Brazil Yes ###Yes ###Yes ###1997 Yes ###Dev1 0 0 1 0
Canada Yes ###
Cayman Islands No ###
Chile S ###S ###S ###1986 S ###des1 1 0 2 3
Colombia S ###S ###S ###1990 S ###des1 1 1 1 1
Costa Rica S ###S ###S ###1993 S ###com2 2 3 0 1
Croatia Yes ###
Cyprus No ###
Czech Republic No ###
Dominican Republic S ###No ###S ###1994 S ###des1 3 0 0 0
Ecuador S ###S ###S ###1997 No ### 1 1 1 1
El Salvador No ###S ###S ###1997 S ###des1 1 0 1 0
France Yes ###Yes ###Yes ###1946 Yes ###Dev1 1 0 2 0
Germany Yes ###Yes ###Yes ###1934 Yes ###Dev1 2 3 0 0
Guatemala S ###No ###S ###1997 S ###des1 2 0 0 3
Guyana No ###
Hati Yes ###No ###Yes ###1989 No ### 1 2 3 0
Hong Kong Yes ###
India Yes ###
Indonesia Yes ###Yes ###Yes ###1973 No ### 1 3 0 0
Ireland Yes ###
Italia Yes ###Yes ###Yes ### 1975 No ### 3 0 2 0
Latvia
Lithuania Yes ###Yes ###Yes ###1996 No ### 1 2 2 1
Luxembourg Yes ###
Malawi No ###
Malaysia Yes ### Yes ### Yes ### 1988 No ### 2 3 1 0
Mexico S ###S ###S ### 1964 S ###des1 0 0 3 1
Moambique
Netherlands Yes ###
Netherlands Antilles No ###
New Zealand No ###
Nicaragua S ###S ###S ###1997 S ###des1 1 3 2 1
Panama S ###
Paraguay S ###S ###S ### 1995 S ### 1 2 0 0
Peru S ###S ###S ###1968 S ###otr 2 0 0 1 0
Portugal Yes ###Yes ###Yes ###1993 No ### 3 0 0 0
Puerto Rico Yes ###
RWANDA Yes ### Yes ### Yes ### 1990 No ### De
1,3 1 3 1 1
SENEGAL Yes ### Yes ### Yes ### No ### 1 0 0 0
Singapore Yes ###
Slovak Republic Yes ###No ###Yes ###1997 No ###Dev1 1 2 1 3
Spain S ###No ###S ###1963 S ###des1 0 0 3 1
Sweden No ###
Tanzania No ###
Trinidad and Tobago No ###
Turkey Yes ###Yes ###Yes ###1979 Yes ###Dev1 1 3 1 3
United Kingdom Yes ###
Uruguay S ###No ###S ###1983 No ### 1 0 3 0
Venezuela S ###S ###S ###1997 S ###des1 0 0 0 1
d p o s t o e rt
e a n e s o n a
nt nc st s o n t n c
ify ie at fo f - if c or
b ri s us r f s y e e
a sk in of s - i i of u
n a b cr u s t n p ni
ks dj or e p i e g cr t
m d ro di e t i w fo w
ak e w t rv e n e r o
in
5. p
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5. p
5. is
5. s
5 s
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6
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6. 6. 6 6. 6. 5.6.io . . . . .
ri it as tf n- p e instrument n p g
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e 5.91 5.1
Context in importanc e 1 6.1 1o 6.2a
y su fic os ot complime r reviewed t indentifyin s which e of pcr rv n
lo ra at of h explai nts off-site v prior to i g s useful in for is core unit P
a nc io Fi e n supervisio s on-site o weakness e identifying supervisio io working C full
ns e n s r other n? n inspection n es s weakness n n on PCR R time
0 3 1 0 No ###No ###No ###Ainda no a. muy imp 4 S 1 3
0 0 0 0 S ###S ###S ###Deteccin a. muy imp 4 S 1

3 0 0 0 Yes ###Yes ###No ### somewhat i 3 Yes 1 8


0 0 0 0 Yes ###Yes ###Yes ###to know thesomewhat i 3 Yes 1 2

2 0 0 0 3 control over the r ### ### 3 1


See m Yes ###Yes ###Yes ###See memo.somewhat i 3 Yes 1 11

3 obtenerS ###S ###S ###Incumplimiea. muy imp 4 S 1 2


3 0 0 2 Yes ###Yes ###Yes ###All the PCRvery import 4 0

0 0 0 0 S ###No ###S ###Coyunturasa. muy imp 4 S 1 4


1 2 1 3 S ###S ###S ###Para recali a. muy imp 4 S 1 9
0 0 0 0 S ###S ###S ###Se han detea. muy imp 4 S 1 2

2 0 1 0 S ###S ###S ###Para identi a. muy imp 4 S 1 5


1 3 1 0 S ###S ###S ###EVALUACIO a. muy imp 4 S 1 6
0 0 1 0 S ###S ###S ###Se listas l a. muy imp 4 S 1 2
1 0 0 1 Yes ###Yes ###Yes ### very import 4 Yes 1 50
0 0 0 1 Yes ###Yes ###Yes ###Bankruptcy very import 4
0 0 1 0 S ###S ###S ###Se ha estabb. algo imp 3 No 0

0 0 0 0 Yes ###Yes ###No ### somewhat i 3 Yes 1 1

0 0 0 2 Yes ###Yes ###Yes ###BAD DEBTsomewhat i 3 Yes 18 HOURS

1 0 0 0 Yes ###Yes ###Yes ###Informationsomewhat i 3 Yes 1 34

1 3 1 1 Yes ###Yes ###Yes ###Informationvery import 4 Yes 1 1

0 0 0 0 0 Yes ### Yes ### Yes ### Trend, stress-


very import 4 Yes 1 7
0 0 2 0 S ###S ###No ### c. de poca 2 S 1 5
3 3 1 0 S ###S ###S ###Calificacio a. muy imp 4 S 1 1

0 0 3 0 S ###S ###S ###VINCULACa. muy imp 4 S 1 2


3 0 2 0 S ###S ###S ### SE MEJO a. muy imp 4 S 1 7
0 0 1 2 No ###Yes ###No ### somewhat i 3 Yes 1 7

1 2 1 Yes ### Yes ### Yes ### TO GET I very import 4 Yes 1 4
0 0 0 3 2 To deteYes ### Yes ### No ### very import 4 Yes 1 X

1 3 1 1 Yes ###Yes ###No ### somewhat i 3 Yes 1 3


0 0 2 0 S ###S ###S ###Ocultacion a. muy imp 4 S 1 20

1 0 1 1 Yes ###Yes ###Yes ###It is possi very import 4 Yes 1 22

0 0 0 0 2 DetermiS ###S ###S ### a. muy imp 4 S 1 1


0 3 2 0 S ###S ###S ###Para verifi a. muy imp 4 S 1 3
a
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6.2b 6.3 6.3a 6.4 4
h 6.4.1 6.4.1a 6.5 5
d 6.5.1 6.5.1a
i w
r Cost of purchase a
part budget for consultant e consulting special r cost of
time PCR currency s hired? d services currency hardware e hardware currency
No ###O Consultor contratad S ###
9 216.000 pesos No ### S ###1.500.000 pesos

16,3 mio ATS No ### No ###


--- N/A No ### N/A No ### N/A

2 ### ###
1.825.000 EUR No ### Yes ###1.000.000 EUR

2 150000 Dlares S ###96000 dlares No ###


6 we don't have estimateNo ### No ###

0 US$ 8.000 Dolasr US No ### No ###


$300.000 Dlares S ### S ###$300.000 Dlares
5 $8.500.00 dlar de E No ### No ###

N.D. S ###N.D. S ###N.D.


300.000 DOLARES No ### S ###240.000 DOLARES
2 400,000.oocolones sa No ### No ###100,000.00colones sa
No ### No ###
not available No ### No ###
No disponible No ### No ###

N/A N/A No ###N/A N/A No ###N/A N/A

8 HOURS 2B IDR Yes ###800 M IDR Yes ###2 B IDR

1 Yes ### 377 Euro/day (VNo ###

4 18000 USD No ### No ###

No ### Yes ### MYR 0.6 million


No ### No ###
2 S ### S ###

1 154.925.36GUARANIES ### S ###300.000.- US$


960000 NUEVOS SS ###100000 NUEVOS SS ###64000 NUEVOS S
23 650.000 Euro No ### Yes ###105.000 Euro

2 No ### No ###
No ### No ###

No ### No ###
2 2.000.000 euros S ###Consultants were hiredNo ###

No ### Yes ###

1 No ### S ###60.000 Dolares Am


58.000,00 US$ S ###10.000,00 US$ S ###300.000,00US$
p
ur
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a
s
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s
p
e
ci
6
al
.
s
6.6 of 6.6a
6 6.6b
t
purchase w
special ar cost of
software? e software currency
No 0
S 1 incluido en pesos

No 0
No 0 N/A The Software was designed internally.

0
Yes 1 500.000 EUR

No 0
No 0

No 0
S 1 $100.000 Dlares
No 0

No 0
No 0
S 1 35000.oo colones
No 0
No 0
No 0

No 0 software p N/A

Yes 1 750 M IDR

Yes 1 We did not

No 0

Yes 1 MYR 0.6 million


No 0

No 0
No 0
Yes 1 750.000 Euro

Yes 1
No 0

Yes 1
No 0

Yes 1

S 1 280.000 Dolares Americanos


S 1 70.000,00 US$
chec
7.1.
ks 7.1. 7.1. 7.1. 7.1.Oth 7.3.
prob 7.3.
Bad 7.3.
Country 7.1 with
a b c d er 7.2 7.3 1.a
s 1.b 1.c
data
othe borr stati with from
r ower stica soft data othe matc
data com l ware other number of % of dbse provi r hing
from plain chec prog means of consumer which is ded dbse probl
accuracy FI ts ks ram accuracy complaints accurate by FI s ems
Angola a. A travs 1 1 0 1 O sistema O sistema ainda no funciona.
Argentina b. Quejas d 1 0 1 1 240 1 0 3
Aruba
Australia
Austria Borrower co 0 1 1 1 negligible no figures 1 0 2
Bahrain Through occ 1 0 1 0 Nil N/A 3 0 1
Barbados
Belarus 1 0 0 1 0 10% 1 0 3
Belgium Through occ 1 1 1 1 50 less than 1 1 0 2
Belize
Bermuda
Bolivia c. Mediante 0 0 1 1 50 10% 2 0 1
Brazil Through occ 1 1 1 1 104 < 1% 1 0 0
Canada
Cayman Islands
Chile c. Mediante 0 0 1 1 Cruces con600 99% 1 0 2
Colombia a. A travs 1 0 1 1 Se efectuan2% 2 3 1
Costa Rica a. A travs 1 0 1 1 Ninguna 5% 3 0 1
Croatia
Cyprus
Czech Republic
Dominican Republic a. A travs 1 1 0 1 N.D. N.D. 2 0 1
Ecuador a. A travs 1 1 0 0 5.000 25 % 1 1
El Salvador a. A travs 1 0 0 0 200 dato a 10% 1 1
France Statistical 0 0 1 1 1 1
Germany Borrower co 0 1 1 1 50 1% 1 0 2
Guatemala No aplica. No aplica No disponible
Guyana
Hati Through occ 1 0 0 0 none non availab 1 0 2
Hong Kong
India
Indonesia Through occ 1 1 0 1 LESS THAN5 % 1 3 0
Ireland
Italia Through occ 1 1 1 1 Through per1356 0,75 1 0 3
Latvia
Lithuania Information is not available to customers/borrowers
Luxembourg
Malawi
Malaysia Through oc 1 0 1 1 None 2 0 1
Mexico a. A travs 1 1 1 0 20 Major al 9 1 0 2
Moambique
Netherlands
Netherlands Antilles
New Zealand
Nicaragua c. Mediante 0 0 1 1 15% 1 0 3
Panama
Paraguay a. A travs 1 0 0 1 NINGUNA N/D 1 0 2
Peru b. Quejas d 0 1 0 1 5000 1 0 0
Portugal Through occ 1 0 1 0 3.000 1 0 2
Puerto Rico
RWANDA Through oc 1 0 1 0 1 0 1
SENEGAL Statistical c 0 0 1 0 1 0 2
Singapore
Slovak Republic Through occ 1 1 0 1 focused on-3 1 3 2
Spain a. A travs 1 1 1 1 Inspeccione300 1 0 2
Sweden
Tanzania
Trinidad and Tobago
Turkey Borrower co 0 1 1 1 150 4% 1 0 3
United Kingdom
Uruguay a. A travs 1 0 1 1 2 0 1
Venezuela a. A travs 1 1 0 0 Anlisis de 192 aprox. 5% a nivel 2 0 1
tech
nical must
probl sche
7.3. 7.3.
ems 7.3. 7.4. 7.4. 7.4.
must 7.4. 7.4.
dule 7.4Othe
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sub d
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dwar PCR must mit com ing
e or procedure staff go to writt plain with Other
slow soft for follo repor en over staff procedure time to time to
upda ware othe consumer ws ting requ phon mem for correct correct
ting ) r What is other? complaints up inst est e ber complaints error error
no funciona. b. Se instr 0 1 0 0 0 a.menos d 1
2 0 0 b. Se instr 0 1 1 0 0 d.ms de d 4

3 0 0 The staff o 1 0 1 0 0 less than 1


2 0 0 N/A

0 0 2 late provision of informatio 1 0 0 0 0 1


3 0 0 The staff o 1 0 1 0 0 less than 1

0 3 0 a. El perso 1 1 1 0 0 b.entre do 2
0 0 0 The person f 0 1 1 0 0

0 3 0 a. El perso 1 1 1 0 0 b.entre do 2
3 3 b. Se instr 0 1 0 0 0 b.entre do 2
0 2 0 b. Se instr 0 1 1 1 0 a.menos d 1

0 3 0 a. El perso 1 1 1 1 0 Puede hacea.menos d 1


3 3 a. El perso 1 1 0 0 1 a.menos d 1
1 a. El perso 1 1 1 1 1 Depender a.menos
d d 1
3 The person 0 0 1 0 0
0 0 0 The staff o 1 0 1 0 0 The personbetween tw 2
No aplica. No aplica.

0 3 0

0 2 0 The staff o 1 1 1 0 1 between tw 2

0 0 2 Slow updating ofThe staff o 1 0 1 0 0 The italian between tw 2

s/borrowers

0 3 0
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S ### 1 2 2 1 S ###PRESION S ###COLOMBI
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No ### No ###
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S ### No ### S 1 S 1 b. exigir a 0
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No ###No ### No ### No 0 Yes 1 expanding 0
No ###No ### No ### No 0 No 0
### ### ### 0 1

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S ###No ### S ###Costa Rica No 0 No 0 d. la ampli 0
No ###No ### No ### Yes 1 Yes 1 expanding 0
No ###No ### No ### No 0 No 0
No ###No ### No ### No 0 No 0
No ###No ### S ###Bolivia, P S 1 No 0
No ###No ### S ###Ecuador, H S 1 No 0 b. exigir a 0
S ###No ### S ###Nicaragua S 1 No 0 d. la ampli 0
No ###No ### No ### No 0 Yes 1 creating a 0
No ###No ### No ### No 0 No 0
No ###No ###no No ### No 0 No 0 requiring t 0
S ###S ### No ### No 0 No 0 d. la ampli 0
S ###No ### S ###DENTRO DNo 0 No 0 b. exigir a 0
No ###No ### No ### No 0 No 0 d. la ampli 0
No ###No ### Yes ###Chine, SlovNo 0 Yes 1 expanding 0
No ###No ### Yes ###Countries i No 0 No 0 expanding 0
No ###No ### No ### No 0 No 0 d. la ampli 0
No ###No ### No ### No 0 No 0
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No ###No ### No ### Yes 1 No 0 creating a 0
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No ###No ### No ### No 0 No 0
No ###No ### No ### Yes 1 expanding 0

No ###No ### No ### No 0 No 0 expanding 0


No ###No ### No ### Yes 1 No 0
No ### No ### No ### No 0 No 0
No ### No ### No ### Yes 1 Yes 1 requiring 0
No ###No ### S ###Guatemala No 0 S 1 e. la elimi 0
No ###No ### No ### No 0 No 0
No ###No ### No ### No 0 No 0
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No ###No ### No ### No 0
S ### No ### No 0 d. la ampli 0
No ###S ### No ### No 0 No 0 d. la ampli 0
No ###No ### Yes ###Cape VerdeNo 0 No 0 expanding 0
No ###No ### No ### No 0 No 0
No ### No ### No ### No 0 No 0
No ### No ### No ### Yes 1 No 0 expanding the
0
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1 0 0 0 0 S ###
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0 0 1 0 0 No ###
S ###
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0 0 0 0 1 No ###
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Not applica
No ###
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0 0 1 0 0 Yes ###
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No ###
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### ###
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No ###
No ###
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0 0 1 0 0 S ###
No ###
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0 0 1 0 0 No ###
No ###
Bad check l 1 0 CADIN
No ###
No ### 0 0
No ###
No ###
Bad check l 1 0 Cayman Islands Governm
No ###
No ###
a. listas d 1 1 Impedidos dProtestos, Deuda de casas
1 0 1 0 0 S ###
S ### 0 0 InformacinCOVIDATA
0 0 1 0 0 S ###
No ###
b. registro 0 1 Artculo 72 Protectora de Crdito priva
0 0 0 0 1 Yes ###
No ### 0 0 Central bank collects
No ###
No ###
Bad check l 1 0
1 0 0 0 1 No ###
No ### 0 0 - -
0 0 1 0 0 S ###
No ### 0 0 sistema. 4) Consultores de Datos de
1 0 1 0 0 S ###
No a. listas
### 1 1 REPORTE C DOVINCO
0 0 1 0 0 S ###
No ### 0 0 El Banco CePROCREDITO,S.A. DE CV
0 0 1 0 0 No ###
Yes ###
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0 0 1 0 0 No ###
Yes ###
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0 0 1 0 0 No ###
S ### 0 0 No aplica. Protectora de Crdito Come
No ###
No ### 0 0 No informatiThere are n
0 0 1 0 0 Yes ###
No ###
Bad check l 1 0 Centrale de
0 0 0 0 1 No ###
Yes ###
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0 0 0 0 1 No ###
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Not defaulters
applica over Rs.2.5 m
0 0 0 0 0 Bad check li 1 1
No ###
No ### 0 0 Through La(01) 2600388
0 0 1 0 0 No ###
No ###
Bad check l 1 0 Registry of shortly)

0 0 1 0 0 No ###
Yes ###
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No ###
No ###
Bad check l 1 0 N.A. N.A.
No ### Bad check l 1 0
1 0 1 0 0 Yes ### Yes ### Bad check l 1 0
0 0 0 1 0 S ### 0 0 Relacin dede Crdito ( Equifax ) Seni

0 0 For the pur located in Tiel/Netherlands.


No ###
No ### 0 0 outstandingCuracao. Tel 599-9-732290
No ###
No ###
Collateral r 0 1 Baynet CRA
0 0 1 0 0 No ###
No ###
b. registro 0 1 (Privado)
S ### 0 0 REGISTROFAX: (507) 215-7005
-CENTRAL DE RIESGOS C
0 0 1 0 0 S ###
S ### 0 0 -INFORCONF
0 0 1 0 0 No ###
No ###
a. listas d 1 0 ANULACIOCENTRAL PRIVADA CERT
0 0 1 0 0 Yes ###
No ###
Bad check l 1 0 Central Commercial Pa
0 0 Experian
No ### No ### Bad check l 1 0
0 0 1 0 0 Yes ### Bad check l 1 0
Collateral r 0 1 List of individuals wh
1 0 1 0 0 Yes ###
Yes ### 0 0
No ###
S ### 0 0 Grupo INTERPRES
0 0 ------------
1 0 0 0 1 Yes ###
Yes ### 0 0 Protested Bills
0 0 A. V.Central
Negative Consumer
The Knowles and
Credits
Bank Compan
&of
Credit
Turkey
C
0 0 1 0 0 Yes ###
Yes ###
Bad check li 1 1 Original Maturity
CreditPeriod
Regisration
of Loans
Bureau
over
No ###
No ###
Collateral r 0 1 Re Box 2, f -
1 0 1 0 0 No ###
No ###
a. listas d 1 0 Liga de Defensa Comercial
1 0 1 0 0 No ###
S ### 0 0
Inform
ation
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Restri from collect rovinci
8.12 8.12 8.12
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d. la infor 0 0 0 1 0 1 b. Banco C 0 1 0 0
a. ninguna 1 0 0 0 0 0 a. ninguna 1 0 0 0
No governm 1 0 0 0 0 0 No regulati 1 0 0 0
Information 0 0 0 1 1 1 Other Minis 0 0 1 0
Information 0 0 0 1 1 0 Other Minis 0 0 1 0
Must regist 0 1 0 1 0 1
No governm 1 0 0 0 0 0 No regulati 1 0 0 0
0 1 0 0 0 0

Island Credit Service


DATOS Y SIPROTEC 0 0 0 0 0 0 El secreto a. ninguna 1 0 0 0
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Information 0 0 0 1 0 1
d. la infor 0 0 0 1 0 1 b. Banco C 0 1 1 0
a. ninguna; 1 0 0 1 0 0 a. ninguna 1 0 0 0
f. la distri 0 0 0 0 0 1 a. ninguna 1 0 0 0
Distribution 0 0 0 0 0 1 ConfidentioCentral Ba 0 1 0 0
0 0 0 1 1 0 No regulati No regulati 1 0 0 0
0 0 0 0 0 0 The Act on Central Ba 0 1 0 0
b. deber r 0 1 0 0 0 0 b. Banco C 0 1 0 0
d. la infor 0 0 0 1 0 0 a. ninguna 1 0 0 0
e. la infor 0 0 0 0 1 1 HAY UN I b. Banco C 0 1 0 0
Must regist 0 1 0 0 0 1 Central Ba 0 1 0 0
No governm 1 0 0 0 0 0 No regulati 1 0 0 0
a. ninguna 1 0 0 0 0 0 a. ninguna 1 0 0 0
No govern 1 0 0 1 0 0 No regulati 1 0 0 0
No governm 1 0 0 0 0 0 No regulati 1 0 0 0
Information 0 0 0 1 1 1 Other Minis 0 0 1 0
Information 0 0 0 1 1 1 The workingNo regulat 1 0 0 0
No governm 1 0 0 0 0 0 Central Ba 0 1 0 0
(01) 2600388
Information 0 0 0 1 0 1 0 0 0 0

No governm 1 0 0 0 0 0 Central Ba 0 1 0 0
Must regist 0 1 0 1 0 1 Other Minis 0 0 1 0
No government1 0 0 0 0 0 No regulation 1 0 0 0
Information 0 0 0 1 0 1 Central Bank 0 1 0 0
de Crdito ( Equifax ) Senicreb 0 0 0 0

No governm 1 0 0 0 0 0
No governm 1 0 0 0 0 0 No regulati 1 0 0 0
No governm 1 0 0 0 0 0 Privacy legiNo regulati 1 0 0 0
d. la infor 0 0 0 1 1 0 b. Banco C 0 1 0 0
b. deber r 0 1 0 1 1 1 c. algn Mi 0 0 1 0
d. la infor 0 0 0 1 0 1 c. algn Mi 0 0 1 0
a. ninguna 1 0 0 0 0 0 a. ninguna 1 0 0 0
Information 0 0 0 1 1 1 Central Ba 0 1 1 0
Distribution 0 0 0 0 0 1 0 0 0 0
No governm 1 1 0 0 0 0 No regulation 1 0 0 0
Must regist 0 1 0 0 0 0 Central Bank 0 1 0 0
Information 0 0 0 1 0 0 Central Ba 0 1 0 0
Must regist 0 1 0 1 0 0 Central Ba 0 1 0 0
b. deber r 0 1 0 0 0 0 Cumplir cond. agencias 0 0 0 1
Entry restri 0 0 1 1 0 1 Other Minis 0 0 1 0
Information 0 0 0 1 1 1 No regulati 1 0 0 0
No governm 1 0 0 1 0 0 No regulati 1 0 0 0
Information 0 0 0 1 1 0 Central Ba 0 1 1 0
0 0 0 0
Liga de Defensa Comercial
0 0 0 0 0 0 Pasivos e i b. Banco C 0 1 0 0
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8.13.Ot Legl 8.14Oth
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Lei n. 6/97, de 11 de Junho
S ###
Disposio Lei n. 1/99, de 23 de Abril
No ### Nacional Habeas Data
No ### the Credit System (AB 1998, no. 16)
The PrivacyNo ### (ACCC). Information about the ACCC can be found at www.accc.gov.au. The operations
Yes ###
CCR is exclusively operated by the OeNB
N/A Yes ###
ConfidentiaNone.
No ###

No ### (pending)
No ### -Decreto Supremo 22203
Yes ###
There are some restrictions concerning the Secrecy Law (Financial Privacy Rule)
No ###
Yes ###
Confidential Relationships (Preservation) Law restricts divulgence of confidential information of a bus
S ###
-Ley Generalprivada
de Bancos (establece secreto y reserva bancaria)
No ### Ley 510 de 1999
S Problemas f)
### d La informacin que otorgue la Superintendencia sobre la situacin de endeudamiento d
No ### Low on Croatian National Bank
No ###
Yes ###
The Act on 21/1992 Coll.
No ### Monetaria del 14-2-97.
No ### CODIFICACION DE RESOLUCIONES DE LA SUPERINTENDENCIA DE BANCOS Y JUN
S ###
Art. 108 de Norma NPB4-17 "Procedimiento para la recoleccin de datos del Sistema Central de Reis

No ###
No ### Artculo 19 de la Ley de Bancos
No ###
No ###
No ### Personal Data (Privacy) Ordinance
No ###
There is no While appraising loan proposals banks / financial institution do collect available informatio
No ###
Data Protection Act, 1988
Guarantor (No ###

No ### Economic activities, etc.


No ### 1993
No ###
Yes ###
Comisin dNo ### sobre la materia

not applica No ### Ministry of Justice.


No ### None
Yes ###
Privacy Act and Bankers' common law duty of confidentiality
S ###
Ley Generalde Otras Instituciones.
-LEY N 861/96, de bancos
No ### LEY BANCARIA (LEY 9 DE 26 DE FEBRERO DE 1998)
ARTICULO-RESOLUCION
84 DE LA LEY N 12/94
861,YDELBCP
ART. 36 DE LA CONSTITUCION NACIONAL DE LA REPUBLICA
S ###
BANCOS". -RESOLUCION 8, ACTA 252, DEL BCP
No ### RES. SBS. N 972
Protection of
ofpersonal
1995-02-16data
US FederalNo ### US Fair Credit Reporting Act
Yes ###
No ###
Yes ###
Customer Confidentially Please refer to Section 47 of the Singapore Banking Act, which is available a
No ### bank of Slovakia
No ### Decreto-Ley 18/1962, de 7 de Junio
Yes ###
In the foll See above
Yes ###
A proper legal framework will have to be put in place.
No ### There are
Banks Act,noArticle
other 22
specific
/ 8 legislation related to credit information in Trinidad and Tobago
Yes ###
CommercialCommercial Law
Data Protection Regist Banker's Du -
No ### profesional.
No ### Resolucin 001-06-098 Gaceta Oficial Nro. 36.484 de fecha 29 de junio de 1998
www.accc.gov.au. The operations of CRL would also be subject to local listing requirements as a consequence of its parent being listed on

Privacy Rule)

of confidential information of a business or of a professional nature. Client approval would be required.

e la situacin de endeudamiento del solicitante de un crdito, no implica calificacin alguna sobre su solvencia y liquidez, por lo que la Sup

NTENDENCIA DE BANCOS Y JUNTA BANCARIA


datos del Sistema Central de Reisgos y Deudores Relacionados"

tion do collect available information from various sources including Credit Rating Agencies about the prospective borrowers.
e Banking Act, which is available at our website, http://www.mas.gov.sg/singfinsec/index.html

nformation in Trinidad and Tobago. However, as a former British colony, English Common Law provides the context for all legal relationship

echa 29 de junio de 1998


its parent being listed on the Australian Stock Exchange (ASX). General information and a brief summary of these listing requirements can

quidez, por lo que la Superintendencia no ser responsable por crditos otorgados por las entidades fiscalizadas con base en la informaci
xt for all legal relationships and the banker/client relationship under Common Law has been interpreted as encompassing strict confidentiali
e listing requirements can be found at the ASX?s web site www.asx.com.au

con base en la informacin suministrada."


passing strict confidentiality requirements which can only be waived with the consent of the client.