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00044 0647926224 0647926387/6020
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
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
FINANCIERO S DE
DEL 16 MARZO
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
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 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
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 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 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 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 14 Yes ###
50 M IDR monthly 3 Positive 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 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
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
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Include 8
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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 ###
1 1 1 1 ###
drawn creditNo 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
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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
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 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
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
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How long How long cancell cance distributed n Others
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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
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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
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
about 800 3-4 years 3 Negativ 7 Negativ 7 Yes ### InformationYes; financi
scal/contribuyente a. la d 0 a. la d 0 No ###
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
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 ###
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b 4.4.2
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for priv'te 3 t 4.4.4
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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
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
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
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
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
0 3 2 1 2
Yes 1 somewhat si 3 the PCR is 2 positive 3 No private credit information prov
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 very signif 4 the PCR is 1 very positi 4 Non-Bank fivery positi 4 They want to access to PCR data
R, PUES ANTES NO SE TENIA NINGUN FILTRO DE INFORMACION PARA LA TOMA DE DECISIONES CREDITICIAS
ss to PCR data
n s y s d
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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
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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
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
2 ### ###
1.825.000 EUR No ### Yes ###1.000.000 EUR
2 No ### No ###
No ### No ###
No ### No ###
2 2.000.000 euros S ###Consultants were hiredNo ###
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
No 0
No 0
No 0
Yes 1 750.000 Euro
Yes 1
No 0
Yes 1
No 0
Yes 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
s/borrowers
0 3 0
0 0 0 b. Se instr 0 1 0 0 0 c.entre un 3
2 3 0 b. Se instr 0 1 0 0 0 c.entre un 3
0 3 0 b. Se instr 0 1 1 0 0 a.menos d 1
3 2 0 b. Se instr 0 1 1 0 0 EXISTE ELb.entre do 2
3 0 0 The person f 1 1 0 0 0 less than 1
2 0 0
3 0 0 one to two 3
3 0 0 b. Se instr 0 1 0 0 0 c.entre un 3
0 0 0 a. El perso 1 1 0 1 0 Se contactab.entre do 2
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S ###
Instrutivo 8/98, de 23.07 b. la instit 0
S ###
Ley de Procedimientos Administrativos Se resp78.000 pesos b. la instit 0
Yes ###
data protection act The institu 0
No ###
N/A N/ N/ Staff of th 1
### 0 1 0 0 0 0 0
Yes ###
Privacy act A regular 0 1 0 0 0 0 10.000 EUR Staff of t 1
S ###
Ley del Co a. Un depar 1 0 0 0 1 0 ReclmoUS$10.000Dolar USA b. la insti 0
S ### a. Un depar 1 0 0 0 0 0 US$50.000Dlares b. la insti 0
S ###
Ley Generala. Un depar 1 1 0 0 0 0 $10.000.00dlar de E b. la insti 0
Yes ###
CICR resolution dated 29 March 1994 Estblished protocol to verify t The institu 0
The instituti0
No ### Invribl No plic b. la insti 0
b. la insti 0
S ###
LA SUPER e. Un proto 0 0 0 0 1 0 N/D b. la insti 0
S ###
LA CONST a. Un depar 1 1 0 0 0 0 150000 NUEVOS Sa. personal 1
Yes ###
Instruction A Consumer 1 0 0 0 0 0 Bnco de230.000 Euro The institu 0
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No ### The instituti0
1 0 0 0 0 0 0 1 ###
1 1 0 Only at the 1 0 0 1 0 No ###No ###
1 0 0 a. Solo a p 1 0 0 0 1 No ###
1 0 0 e. La infor 0 0 0 0 1 No ###
1 0 0 La informacNo ###No ###
1 0 0 Information 0 0 0 0 1 No ###Yes ###
0 0 0 A piece of No ###
No aplica No aplica No ###
1 0 0
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S ### 0 0 0 1 0 0 S ###Grnde quntiNo ###
S ### 1 1 3 No ### No ###
0 2 3 1 0 0 No ### No ###
No ### 0 0 0 0 0 1 n/ No ###
Yes ### 1 0 2 3 0 0 No ### Yes ###Germny
Yes ### 3 2 0 1 0 0 No ### No ###
No ###
### 3 0 2 0 0 1 control over the redem### ###
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EXIGENC
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3 1 2 0 0 0 No ###UN
of bnks to No ###
0 2 3 1 0 0 No ###CREDITO
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S ### 1 1 1 No ###-informtion
NECESID
1 3 2 0 0 0 No ###bout No ###
DES
credits in
S ### 2 0 0 1 0 3 EXIGENCI S ###VRIS
detil nd
S ### 2 3 0 1 0 0 No ###those of No ###
Yes ### 2 0 0 1 0 0 Yes ###To improve No
finncil t ###
1 2 3 0 0 0 No ###instutition No ###
Yes ### 1 1 2 1 3 s other No ###
Yes ### 3 2 1 Yes ### thn bnks. No ###
1 2 3 0 0 0 No ###Consolidti No ###
Yes ### 1 1 2 1 3 No ###on of risks No ###
of finncil
No ### 2 0 0 1 0 3 Estdistics No ###institution No ###
No ### s under
2 0 3 1 0 0 Yes ###Defult of t No
supervisio ###
3 2 1 0 0 0 n.
Yes ### 3 3 1 Yes ### No ###
3 0 2 1 0 0 No ### No ###
S ### 1 0 3 2 0 0 No ### No ###
S ### 1 3 2 3 S ###L necesidd S ###Chile, Colo
e e c t h
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helped? ? helped? ? policy? country? ? country? sector r tives of FI FI tizing
S ### No ### S 1 S 1 b. exigir a 0
No ###No ### No ### S 1 No 0 d. la ampli 0
No ###No ### No ### Yes 1 No 0 creating a 0
No ###No ### No ### No 0 No 0
No ###No ### No ### Yes 1 Yes 1 expanding 0
No ###No ### No ### No 0 Yes 1 expanding 0
No ###No ### No ### No 0 No 0
### ### ### 0 1
No ###No ###Computer Di
No ### No 0 No 0 expanding 0
No ###No ### No ### No 0 No 0
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8.7. 8.7. 8.7. 8.7. 8.7 a i 8.10_ 8.10_ Other
8.10Oth
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e s collater n other
legal P u al collection credit
cost down expa crea reason to C outstandin e bad registry/ by registries
recov sizin ndin elimi ting create R g legal s Other check registry governme operating
ery g g nate pcr? PCR? ? issues? ? registries lists of liens nt in country
1 0 0 0 0 S ###
No ###
a. listas d 1 0 Subsistema de Letras
0 0 1 0 0 No ###
S ###
a. listas d 1 0 Dun & Bradstreet, Otras
0 0 0 0 1 No ###
No ###
Collateral r 0 1 Bad loans list
Not applica
No ###
No ### 0 0 credit bureaus operating in
0 0 1 0 0 Yes ###
No ### 0 0 smaller loans is provided)
0 0 1 0 0 Yes ###
Yes ###
Bad check l 1 0 No others.
No ###
No ### 0 0 none Credicheck
### ###
0 0
No ###
No ###
Collateral r 0 1 Island Credit Service
0 0 1 0 0 S ###
No ###
a. listas d 1 0 InformacinDATOS Y SIPROTEC
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 ###
Collateral r 0 1
0 0 1 0 0 No ###
Yes ###
Collateral r 0 1 Corporate Kreditsicherung e.V.
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 ###
Collateral r 0 1 Dun & Bradstreet
0 0 0 0 1 No ###
Yes ### 0 0 2. List of wilful
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 ###
Collateral r 0 1
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
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
a. ninguna 1 0 0 0 0 0 a. ninguna 1 0 0 0
8.13.Ot Legl 8.14Oth
her 8.14 # er
restriction 8.15
s tht Explin Lws or
discourge discourgin regultions
privte cred g surroundin
other gov't info restriction g credit
gency industry? s informtion
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 ###
Privacy Rule)
e la situacin de endeudamiento del solicitante de un crdito, no implica calificacin alguna sobre su solvencia y liquidez, por lo que la Sup
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
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