Loan Schema


Data schema defining the characteristics of a loan product.

Properties

Name Description Type Enum
id
The unique identifier for the loan within the financial institution.
string -
date
YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601.
string -
acc_fv_change_before_taxes
Accumulated change in fair value before taxes.
integer -
acc_fv_change_credit_risk
Accumulated changes in fair value due to credit risk.
integer -
accounting_treatment
Data schema defining the characteristics of a loan product.
string
cb_or_demandheld_for_tradingfv_thru_pnlfv_mandatorilyfv_ociamortised_costheld_for_hedgeavailable_for_saleloans_and_recsheld_to_maturity
accrued_interest_balance
The accrued interest due at the next payment date. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
administration
How the loan was administered by the lender.
string
principalother
arrears_arrangement
The arrangement the lender has made with the borrower regarding the amount referenced in the arrears_balance.
string
temporaryformalpossessednone
arrears_balance
The balance of the loan or capital amount that is considered to be in arrears. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
asset_liability
Is the loan an asset or a liability on the firm's balance sheet?
string
assetliability
balance
The balance of the loan or capital still to be repaid. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
base_rate
The base rate represents the basis of the repayment rate on the borrowed funds at the given date as agreed in the terms of the loan.
string
ZEROUKBRBASEFDTR
behavioral_curve_id
The unique identifier for the behavioral curve used by the financial institution.
string -
country_code
Data schema defining the characteristics of a loan product.
string
AFAXALDZASADAOAIAQAGARAMAWAUATAZBSBHBDBBBYBEBZBJBMBTBOBQBABWBVBRIOBNBGBFBICVKHCMCAKYCFTDCLCNCXCCCOKMCGCDCKCRCIHRCUCWCYCZDKDJDMDOECEGSVGQEREEETFKFOFJFIFRGFPFTFGAGMGEDEGHGIGRGLGDGPGUGTGGGNGWGYHTHMVAHNHKHUISINIDIRIQIEIMILITJMJPJEJOKZKEKIKPKRKWKGLALVLBLSLRLYLILTLUMOMKMGMWMYMVMLMTMHMQMRMUYTMXFMMDMCMNMEMSMAMZMMNANRNPNLNCNZNINENGNUNFMPNOOMPKPWPSPAPGPYPEPHPNPLPTPRQARERORURWBLSHKNLCMFPMVCWSSMSTSASNRSSCSLSGSXSKSISBSOZAGSSSESLKSDSRSJSZSECHSYTWTJTZTHTLTGTKTOTTTNTRTMTCTVUGUAAEGBUSUMUYUZVUVEVNVGVIWFEHYEZMZWAAQMQNQOQPQQQRQSQTQUQVQWQXQYQZXAXBXCXDXEXFXGXHXIXJXKXLXMXNXOXPXQXRXSXTXUXVXWXXXYXZZZ
cum_recoveries
The total amount recovered since the date of default of the instrument.
integer -
currency_code
Data schema defining the characteristics of a loan product.
string
AEDAFNALLAMDANGAOAARSAUDAWGAZNBAMBBDBDTBGNBHDBIFBMDBNDBOBBOVBRLBSDBTNBWPBYNBZDCADCDFCHECHFCHWCLFCLPCNYCOPCOUCRCCUCCUPCVECZKDJFDKKDOPDZDEGPERNETBEURFJDFKPGBPGELGHSGIPGMDGNFGTQGYDHKDHNLHRKHTGHUFIDRILSINRIQDIRRISKJMDJODJPYKESKGSKHRKMFKPWKRWKWDKYDKZTLAKLBPLKRLRDLSLLYDMADMDLMGAMKDMMKMNTMOPMRUMURMVRMWKMXNMXVMYRMZNNADNGNNIONOKNPRNZDOMRPABPENPGKPHPPKRPLNPYGQARRONRSDRUBRWFSARSBDSCRSDGSEKSGDSHPSLLSOSSRDSSPSTNSYPSZLTHBTJSTMTTNDTOPTRYTTDTWDTZSUAHUGXUSDUSNUSSUYIUYUUYWUZSVESVNDVUVWSTXAFXAGXAUXBAXBBXBCXBDXCDXDRXOFXPDXPFXPTXSUXTSXUAXXXYERZARZMWCNH
customers
The list of customers for this loan
array -
ccf
The credit conversion factor that indicates the proportion of the undrawn amount that would be drawn down on default.
number -
encumbrance_amount
The amount of the loan that is encumbered by potential future commitments or legal liabilities. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
encumbrance_end_date
Date encumbrance amount goes to zero. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601
string -
end_date
YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601
string -
facility_currency_code
Data schema defining the characteristics of a loan product.
string
AEDAFNALLAMDANGAOAARSAUDAWGAZNBAMBBDBDTBGNBHDBIFBMDBNDBOBBOVBRLBSDBTNBWPBYNBZDCADCDFCHECHFCHWCLFCLPCNYCOPCOUCRCCUCCUPCVECZKDJFDKKDOPDZDEGPERNETBEURFJDFKPGBPGELGHSGIPGMDGNFGTQGYDHKDHNLHRKHTGHUFIDRILSINRIQDIRRISKJMDJODJPYKESKGSKHRKMFKPWKRWKWDKYDKZTLAKLBPLKRLRDLSLLYDMADMDLMGAMKDMMKMNTMOPMRUMURMVRMWKMXNMXVMYRMZNNADNGNNIONOKNPRNZDOMRPABPENPGKPHPPKRPLNPYGQARRONRSDRUBRWFSARSBDSCRSDGSEKSGDSHPSLLSOSSRDSSPSTNSYPSZLTHBTJSTMTTNDTOPTRYTTDTWDTZSUAHUGXUSDUSNUSSUYIUYUUYWUZSVESVNDVUVWSTXAFXAGXAUXBAXBBXBCXBDXCDXDRXOFXPDXPFXPTXSUXTSXUAXXXYERZARZMWCNH
fvh_level
Fair value hierarchy category according to IFRS 13.93 (b)
integer -
first_payment_date
The first payment date for interest payments.
string -
guarantee_amount
The amount of the loan that is guaranteed by the guarantor. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
guarantor_id
The unique identifier for the guarantor of the loan.
string -
impairment_amount
The impairment amount for a loan is the allowance for loan impairments set aside by the firm that accounts for the event that the loan becomes impaired in the future.
integer -
impairment_status
The recognition stage for the impairment of the loan.
string
stage_1stage_2stage_3
impairment_type
The loss event resulting in the impairment of the loan.
string
collectiveindividualwrite_off
interest_repayment_frequency
Repayment frequency of the loan interest, if different from principal.
string
dailyweeklybi_weeklymonthlybi_monthlyquarterlysemi_annuallyannuallyat_maturity
issuer_id
The unique identifier for the issuer of the loan.
string -
last_payment_date
The final payment date for interest payments, often coincides with end_date.
string -
limit_amount
The total credit limit on the loan. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
lnrf_amount
The total amount of non-recourse funding linked to the loan. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
movement
The movement parameter describes how the loan arrived to the firm.
string
acquiredsoldsecuritisedsyndicatedsyndicated_leadother
next_payment_date
The next date at which interest will be paid or accrued_interest balance returned to zero.
string -
notional_amount
The original notional amount of the loan. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
on_balance_sheet
Is the loan reported on the balance sheet of the financial institution?
boolean -
originator_id
The unique identifier used by the financial institution to identify the originator of the loan product.
string -
originator_type
The type of financial institution that acted as the originator of the loan product.
string
mortgage_lenderspvother
prev_payment_date
The most recent previous date at which interest was paid or accrued_interest balance returned to zero.
string -
product_name
The name of the product as given by the financial institution to be used for display and reference purposes.
string -
provision_amount
The amount of reserves that is provisioned by the financial institution to cover the potential loss on the loan. Monetary type represented as a naturally positive integer number of cents/pence.
integer -
provision_type
The provision type parameter details the provisions the issuing firm has allocated to cover potential losses from issuing a loan.
string
noneother
purpose
The underlying reason the borrower has requested the loan.
string
house_purchasefirst_time_buyerbuy_to_letconsumer_buy_to_letbuy_to_let_house_purchasebuy_to_let_remortgagebuy_to_let_further_advancebuy_to_let_otherremortgageremortgage_otherlifetime_mortgagebridging_loanfurther_advancepromotionalotherips
rate
The full interest rate applied to the loan balance. Note that for tracker rates this includes the benchmark (ie. not the credit spread). Percentages represented as a decimal/float, so 1.5 implies 1.5%.
number -
rate_type
Describes the type of interest rate applied to the loan.
string
fixedvariabletrackercombined
regulated
Is this loan regulated or unregulated?
boolean -
regulatory_book
Data schema defining the characteristics of a loan product.
string
trading_bookbanking_book
repayment_frequency
Repayment frequency of the loan.
string
dailyweeklybi_weeklymonthlybi_monthlyquarterlysemi_annuallyannuallyat_maturity
repayment_type
Repayment type of the loan refers to whether the customer will be repaying capital + interest, just interest or a combination of the two.
string
repaymentinterest_onlycombinedother
reporting_lei
The LEI code for the legal entity under which the loan is being reported.
string -
reporting_entity_name
The name of the reporting legal entity for display purposes (as LEI code may not be available).
string -
risk_country_code
Data schema defining the characteristics of a loan product.
string
AFAXALDZASADAOAIAQAGARAMAWAUATAZBSBHBDBBBYBEBZBJBMBTBOBQBABWBVBRIOBNBGBFBICVKHCMCAKYCFTDCLCNCXCCCOKMCGCDCKCRCIHRCUCWCYCZDKDJDMDOECEGSVGQEREEETFKFOFJFIFRGFPFTFGAGMGEDEGHGIGRGLGDGPGUGTGGGNGWGYHTHMVAHNHKHUISINIDIRIQIEIMILITJMJPJEJOKZKEKIKPKRKWKGLALVLBLSLRLYLILTLUMOMKMGMWMYMVMLMTMHMQMRMUYTMXFMMDMCMNMEMSMAMZMMNANRNPNLNCNZNINENGNUNFMPNOOMPKPWPSPAPGPYPEPHPNPLPTPRQARERORURWBLSHKNLCMFPMVCWSSMSTSASNRSSCSLSGSXSKSISBSOZAGSSSESLKSDSRSJSZSECHSYTWTJTZTHTLTGTKTOTTTNTRTMTCTVUGUAAEGBUSUMUYUZVUVEVNVGVIWFEHYEZMZWAAQMQNQOQPQQQRQSQTQUQVQWQXQYQZXAXBXCXDXEXFXGXHXIXJXKXLXMXNXOXPXQXRXSXTXUXVXWXXXYXZZZ
risk_weight_std
The standardised approach risk weight represented as a decimal/float such that 1.5% is 0.015.
number -
risk_weight_irb
The internal risk weight represented as a decimal/float such that 1.5% is 0.015.
number -
secured
Is this loan secured or unsecured?
boolean -
source
The source(s) where this data originated. If more than one source needs to be stored for data lineage, it should be separated by a dash. eg. Source1-Source2
string -
start_date
The timestamp that the trade or financial product commences. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601.
string -
status
Describes if the loan is active or been cancelled.
string
actualcommittedcancelleddefaulted
trade_date
The timestamp that the trade or financial product terms are agreed. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601.
string -
type
The form of the loan product administered by the financial institution, with regards to common regulatory classifications.
string
mortgagecommercial_propertycommercialpersonalautoliquidity_facilityletter_of_creditguaranteetrade_financecredit_cardcredit_facilitymulticcy_facilitynostroother
version_id
The version identifier of the data such as the firm's internal batch identifier.
string -
vol_adj
The volatility adjustment appropriate to the exposure.
number -
count
Describes the number of loans aggregated into a single row.
integer -
minimum_balance_eur
Indicates the minimum balance, in Euros, of each loan within the aggregate.
integer -

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