banque du liban ةيريدم ناـنـبل فرـصم i.t department ... the “bdl control”...
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BANQUE DU LIBAN
I.T DEPARTMENT
مديرية مصـرف لبـنـان المعلوماتية
USER’S GUIDE
Centrale des Risques
Version 4.0 August 2013
I.T DEPARTMENT BANQUE DU LIBAN
Page : 2 CDR 4.0 User’s Guide
TABLE OF CONTENTS
I. WHO SHOULD USE THIS MANUAL 3
II. ABBREVIATIONS 4
III. GENERAL VIEW 5
1. OVERVIEW 5
2. CONCEPT OF BDL CDR PROJECT 8
3. CONVENTIONS OF BDL-CDR 9
4. DATA CYCLE DESCRIPTION 10
IV. GETTING STARTED 11
1. MINIMUM SYSTEM REQUIREMENTS 11
2. CD CONTENTS 11
3. INSTALLATION PROCEDURE 12
4. DATA INITIALLY LOADED 17
V. OPERATIONAL GUIDE 18
1. GENERAL RULES 18
2. WORK PROCEDURE 20
3. VALIDATION OF BDL DISKETTE 61
4. APPLICATION PARAMETERS 63
5. BACK UP AND PURGE YOUR DATA 65
VI. DATABASE OBJECTS 66
1. OVERVIEW 66
VII. APPLICATION MESSAGES 67
1. APPLICATION MESSAGES 67
APPENDIX 1 : TECHNICAL SUPPORT 70
I.T DEPARTMENT BANQUE DU LIBAN
Page : 3 CDR 4.0 User’s Guide
I. WHO SHOULD USE THIS MANUAL
This manual is intended to help the members of the Centrale Des Risques (CDR) understand
the software application CDR4.0 provided by Banque du Liban. This application allows
them to declare the information about their debtor clients as per BDL basic decision 7705
dated 26/10/2000 and all the related intermediate decisions.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 4 CDR 4.0 User’s Guide
II. ABBREVIATIONS
BDL
Banque du Liban.
CDR
Centrale des Risques.
DC
Data cycle.
DEC
Data entry cycle.
IND.
Individual.
STE.
Company (Societe).
LL
Loans in Lebanese pounds (in millions of LL).
FX
Loans in Foreign Currencies (in millions of LL).
AU
Authorized credit amount.
UT
Used credit amount.
LA Authorized credit amount due to loans in Lebanese pounds (in millions
of LL).
LU Used credit amount due to loans in Lebanese pounds (in millions of
LL).
XA Authorized credit amount due to loans in Foreign Currencies (in
millions of LL).
XU Used credit amount due to loans in Foreign Currencies (in millions of
LL).
I.T DEPARTMENT BANQUE DU LIBAN
Page : 5 CDR 4.0 User’s Guide
III. GENERAL VIEW
1. OVERVIEW
The Centrale Des Risques is an intermediate information center between the banks and
financial institutions, in which they interchange information permitted by the Code of Money
and Credit about their clients credits.
[For more details refer to the decree (9860, 25/6/1962) and decision (7705, 26/10/2000)]
All banks and financial institutions are members in the CDR, which is located at BDL.
Members are requested to declare to the CDR about their clients that have a credit risk
exceeding a certain amount, decided upon by the Central Council at BDL.
The information provided by the members about the credits is detailed by economical sector,
currency code, remaining period and risk classification. Credits in foreign currency are
declared after conversion into Lebanese pounds. Amounts should be in millions of Lebanese
pounds.
Moreover this information is divided in two groups: Direct and Indirect, each group is also
divided into two sub-groups:
Direct
Direct Liabilities
Received Guarantees
Indirect
Off-balance sheet accounts
Memorandum items
1- Direct Liabilities : This group is composed of six liability types as follows :
ACB Avances sur comptes bloqués ou
garanties bancaires ou bons du
trésor ou autres titres
gouvernementaux agréés
االت مصرفية أو سندات مقابل ضمانات نقدية أو كف خزينة أو حكومية مقبولة
AVM Avances sur valeurs mobilières
مقابل قيم مالية
ASH Avances sur Hypothèques
مقابل تأمني عقاري
ASR Avances sur autres sûretés réelles
مقابل ضمانات أخرى
AGP Avances sur garanties personnelles
شخصية بكفاالت
ABL Avances à blanc
مكشوفة
I.T DEPARTMENT BANQUE DU LIBAN
Page : 6 CDR 4.0 User’s Guide
Each liability type is subdivided into loan types for more details please refer to BDL Basic
circular 75 published on BDL website.
2- Received Guarantees
TCB Total comptes bloqués et assimilés
نقدية و ما شابـههاجمموع الضمانات ال
TSR Total sûretés réelles
جمموع الضمانات العقارية والضمانات األخرى
3- Off-balance sheet accounts
EF Engagements de financement
تعهدات متويل
ES Engagements par signature
تعهدات بتوقيع
OT Operations à terme
عمليات ألجل
SE Engagements sur effets
تعهدات على سندات
IF Engagements sur instruments
financiers تعهدات على أدوات مالية
AE Autres engagements
تعهدات أخرى
AC Avals et cautions
تكفل و كفاالت
4- Memorandum items
DF Crédits financés par dépôts
fiduciaires ة بشكل تسليفات ممولة من ودائع موجودات ائتماين
ائتمانية CI Créances Irrecouvrables ديون رديئة CMC Créances des clients des institutions
du micro crédit ديون زبائن مؤسسات االقراض الصغري
PGF Prêts et crédits du portefeuille de
gestion de fonds االموالقروض وتسليفات حمفظة إدارة
Every month, the CDR center receives USBs from all its members declaring their clients risk
as per the preceding risk groups. The CDR center then sends to every member the global risk
amount for each of its clients.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 7 CDR 4.0 User’s Guide
This information would also be sent as a response to any inquiry submitted by a member
about an individual or a company, thus helping the banks and financial institutions in deciding
whether to grant the loan or not.
Members are also requested to fill complete information about their new clients as detailed in
the Identification cards. The identification cards are of two types:
Identification card for individuals : CDR-I.
Identification card for moral persons : CDR-S.
Each form should be printed and joined with the necessary official supporting documents
(i.e.: Id card, commercial certificate, registration certificate, … ).
At the CDR center, data received on the special identification forms is matched against the
existing clients computer file, then the data for the unmatched client is fed into the file and the
client is assigned a number. The assigned number becomes the unique identifier for the
client among all members in the CDR.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 8 CDR 4.0 User’s Guide
2. CONCEPT OF BDL CDR PROJECT
The entry and the validation process of the client amounts is done at the bank or the financial
institution itself and for each of its branches. The entered data is then copied on a USB. The
copying process creates a BDL-Control (global control record), that should be printed and
sent with the diskette to the CDR center, along with the special identification forms of its new
clients.
In return, members receive from the CDR center a copy of the “AVIS(1)
” situation file. The
“AVIS” file and their risk working tables of the same situation date are used to create the new
risk working tables for the next situation date. The next situation date is assigned by the CDR
center in the “AVIS” file.
AVIS
(1) AVIS : A file containing the clients global risk amounts among all members, and the
numbers assigned for the new clients by the CDR.
R
Entry by branch :
- Data
- New clients
- Control record
Listing, checking
and VALIDATION
COPY all data of all
branches on 3.5”
diskette
- BDL-control
- New clients
IDs
Identification
forms : CDR-I
/ CDR-S
New clients
IDs
BDL
BDL
RISK WORKING
TABLES
(Current situation)
RISK WORKING
TABLES
(Next situation)
I.T DEPARTMENT BANQUE DU LIBAN
Page : 9 CDR 4.0 User’s Guide
3. CONVENTIONS OF BDL-CDR
Any client in a branch with no risk amounts declared in the preceding situation is a new
client.
The branch gives a provisional number in form of “Nbbbrrrrr” where :
“N” stands for new client,
“bbb” is the branch code,
“rrrrr” is a serial number starting from 00001 to 99999.
The entry programs offered by BDL explain this procedure and give an automatic
sequential number scale when entering the identification record.
Old clients are the clients declared in the previous situation. The format of an old client
is O99999999 where :
“O” stands for old client,
“99999999” is the client CDR number.
Previous situation means the situation directly preceding this situation being prepared.
Deleted client is a client in a branch who existed in the previous situation but has no risk
amounts in this situation.
Any modification of the data of an old client should be notified to the CDR center by
entering the updated information into the system and sending the Identification cards
(CDR-I & CDR-S) indicating the changes. In return the CDR center executes the
modification and notifies the members through the AVIS file.
The entry of a new client is done by a specific program in the data preparation option
listed in the main menu. All the Identification cards data fields (CDR-I & CDR-S)
should be entered into the system.
Control Record is a record containing totals of the data entered. A control record must
be entered for each branch. The control is done on:
The summation of the amounts by subgroup
The count of the clients and the summation of their numbers separated as old and
new.
A branch with no risk amounts must enter a zero control record.
Validation must be done to ensure that the control records are correct and to give
permission for a copy of the data to diskette. The copying process creates a global record
for the bank, called BDL control.
The BDL control must be printed and sent along with the USB, the listing of the new
clients, and the identification forms to the CDR center.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 10 CDR 4.0 User’s Guide
4. DATA CYCLE DESCRIPTION
Each month (situation) is considered as one Data Cycle (DC). The different steps to finish a
DC are :
1- At the bank or Financial institution and per branch :
Entry of data : Amounts, New Clients and Control.
Validation of the entries.
Copy the validated data on a USB. The copy procedure creates a total control for all
the branches of the member called “BDL Control”.
Send the “BDL Control” listing, the diskette, the listing of the new clients and the
identification forms to the “Centrale des Risques” center.
2- At the “Centrale des Risques” center :
Receive the USB and validate the contents with BDL control for all members.
Create and send the “AVIS” situation to the member.
3- At the bank or Financial institution and for each Branch :
Receive “AVIS” from CDR, which also includes the numbers assigned to new clients
and the next situation date to be prepared.
Update the new clients records with their associated numbers
Create the next situation working tables using the current situation working tables and
the received “AVIS” file.
CDR Member
(Bank or financial
institution)
CDR center
(BDL)
I.T DEPARTMENT BANQUE DU LIBAN
Page : 11 CDR 4.0 User’s Guide
IV. GETTING STARTED
1. MINIMUM SYSTEM REQUIREMENTS
CDR 4.0 is built on Microsoft Access 2007.
This application can run on Microsoft Windows
XP or Microsoft Windows
7.
2. CD CONTENTS
The CD labelled CDR 4.0 contains the following files:
File / Folder name Description
CDR_40_S.accdb The static database of CDR 4.0
CDR_40_W.accdb The working database of CDR 4.0
CDR_40_TD V3.0.pdf CDR 4.0 Technical Document.
CDR_40_UG V1.0.pdf CDR 4.0 User’s Guide.
Fbbb1307
(where bbb is your bank number)
“First file”: Contains the list of clients to be used to
prepare the first situation using CDR 4.0
CDR_bbb.ini (where bbb is your bank number)
“Ini file” containing a flag used when executing the
command “Receive data from BDL”.
AccessRuntime.exe MS Access runtime 2007 program.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 12 CDR 4.0 User’s Guide
3. INSTALLATION PROCEDURE
If you don’t have Microsoft Access 2007 full version installed on your computer, you need to
install Microsoft Access runtime 2007 by executing the program AccessRuntime.exe from
the CDR 4.0 CD.
The CDR 4.0 application can be installed as a single user or multi-user application.
3.1 Installation of CDR 4.0 for a single user
In order to install the application CDR 4.0 you have to execute the following steps:
1. Download the CDR 4.0 interface package (CDR_40.zip) from the following link to a
temporary folder on your computer:
http://www.banqueduliban.gov.lb/tabs/index/4/293/CENTRALE-DES-RISQUES.html
2. When the download is completed unzip the file and execute the setup program
setup.exe from the package CDR_40_I
3. Follow the set up instructions as per the following screen shots:
I.T DEPARTMENT BANQUE DU LIBAN
Page : 13 CDR 4.0 User’s Guide
Insert your name and Bank name and then click Next
Click on typical and then click Next
I.T DEPARTMENT BANQUE DU LIBAN
Page : 14 CDR 4.0 User’s Guide
Click Install
Then click next
4. Verify that a new folder was created on your hard disk named CDR_40 containing the
file CDR_40_I.accdr.
5. Insert the CDR 4.0 compact disc into your CD-ROM drive.
6. Go to my computer icon on the desktop, and from the root of the CD drive, copy the
files CDR_40_S.accdb and CDR_40_W.accdb to the folder C:\CDR_40.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 15 CDR 4.0 User’s Guide
7. To launch the CDR 4.0 application click on Start > All Programs > CDR 4.0
8. When the application is launched for the first time you will be asked to enter the path
of the folder on which you copied the static and working databases (i.e. C:\cdr_40).
This operation will link the application interface database (CDR_40_I.accdr) to the
static database (CDR_40_S.accdb) and the working database (CDR_40_W.accdb).
I.T DEPARTMENT BANQUE DU LIBAN
Page : 16 CDR 4.0 User’s Guide
3.2 Installation of CDR 3.0 for multi-users
In order to install the application CDR 4.0 for many concurrent users you have to execute the
following steps:
1. Download the CDR 4.0 interface package (CDR_40_I) from the following link to a
temporary folder on your computer:
http://www.banqueduliban.gov.lb/tabs/index/4/293/CENTRALE-DES-RISQUES.html
2. Repeat the steps 2 to 4 detailed in paragraph 3.1 for each client PC on the network.
3. Insert the CDR 4.0 compact disc into your CD-ROM drive.
4. Go to my computer icon on the desktop, and from the root of the CD drive, copy the
files CDR_40_S.accdb and CDR_40_W.accdb to a shared folder on the Server.
5. Grant the users who will be connected to the shared folder on the server full control
permission (read and write) on that folder.
6. To launch the CDR 4.0 application click on Start > All Programs > CDR 4.0.
7. When the application is launched for the first time you will be asked to enter the path
of the shared folder on which you copied the static and working databases (i.e.
\\server\cdr_40). This operation will link the application interface database
(CDR_40_I.accdr) to the static database (CDR_40_S.accdb) and the working database
(CDR_40_W.accdb) on the server.
8. Steps 5 to 7 should be repeated on each client PC.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 17 CDR 4.0 User’s Guide
4. DATA INITIALLY LOADED
On first implementation, the Static Tables of the application are initially loaded by the CDR
center with the appropriate data for each member.
The working tables are set up in a way to allow the preparation of the first situation that was
agreed upon with the CDR members (i.e. 2013/07). For this purpose the CDR center provides
the following tables with initial data:
Situation Contains one record that defines the first situation date.
RiskCtl Contains the control records for all branches with zero values.
RiskVal Contains the validation records of the branches for the first situation.
( Refer to the “Technical document” for detailed information about the static and working
tables)
I.T DEPARTMENT BANQUE DU LIBAN
Page : 18 CDR 4.0 User’s Guide
V. OPERATIONAL GUIDE
To open the application, you click the start button, point to programs and then point to
Banque du Liban and then click CDR 4.0.
The main menu of the application includes all the necessary steps to achieve one data entry
cycle (DEC).
1. GENERAL RULES
The member’s name is displayed on the title bar of the application.
The menus and sub-menus are designed as switchboards that enable the user to navigate
from one part of the application to another. Each sub-menu contains a header containing
the option selected in the previous menu.
Each sub-menu contains a button at the bottom right side used, if pressed, to close the
sub-menu and return to the previous menu. Instead the main menu contains an exit button
used, if pressed, to close the application.
Microsoft Access shortcut keys are allowed to navigate through out the application
forms and reports. In Addition customized function Keys are used and are only
operational when necessary:
I.T DEPARTMENT BANQUE DU LIBAN
Page : 19 CDR 4.0 User’s Guide
ESC Undo changes in a field or a record.
F2 Confirm data entry.
F5 Move between pages in a form.
F6 Move between different horizontal blocks in a form.
PAGE DOWN To go down one page in forms containing more than one page.
PAGE UP To go up one page in forms containing more than one page.
The situation date is displayed in the upper right side of all screens, but can be changed
only from the main menu.
All lists can be previewed before printing them. To print the report you should select the
“Print” option from the File menu in the menu bar.
Available Buttons : At the bottom of the forms you may have one or more button from
the following buttons:
1- Confirm Saves the information added or changed and goes to the next record
(client or branch).
2- Undo Undo changes made.
3- Previous Goes to Previous record (client or branch).
4- Next Goes to Next record (client or branch).
5- Find Finds a client by name or by number, with matching criteria for the
whole field or any part of the field.
6- Delete Delete the record displayed on the screen.
7- View View data on screen for a defined range.
8- Print Print data for defined range.
9- Close Close the form and return to the previous form.
N.B.: a- The buttons 1 and 2 are enabled if any changes occur to the data, and in this case all
other buttons are disabled. When buttons 1 and 2 are disabled, all other buttons are
enabled.
b- Shortcuts to the buttons are allowed : Press the Alt key + the key of the underlined
letter of the required button to run the function of the button
i.e.: To run the “Close” button press simultaneously the keys : “Alt” and “C”
I.T DEPARTMENT BANQUE DU LIBAN
Page : 20 CDR 4.0 User’s Guide
2. WORK PROCEDURE
A normal DEC proceeds in the following sequence :
1. Receive data from BDL.
2. View and print Avis data*.
3. Create new situation date*.
4. Data preparation.
5. Copy to diskette the validated data, and print BDL control from diskette.
6. Print new clients from diskette.
The following pages provide the necessary details for the achievement of each step.
In a multi-user environment, the data entry functions (Clients entry, Amounts entry and
branch control entry) and the validation function are restricted to one user per branch.
Therefore only one user at a time can update the data of a specific branch while another user
is working on a different branch. This restriction is not applicable on inquiry and listing
functions.
In addition the functions that make updates to data in all the branches at the same time are
restricted to one and only one user at a time. These functions are :
Situation (create and delete a situation)
Copy data to BDL
Receive data from BDL
Purge data
(*) : This step is not executed when preparing the risk situation for the first time.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 21 CDR 4.0 User’s Guide
2.1 Receive data from BDL.
You can select this function from the “Main” menu of the application. This function is used
to receive data sent by the CDR center to the members.
The situation date is always the last existing situation date
First you must specify the path or location of the data received from the CDR center.
Then press the “Receive” button to start receiving the data in the appropriate tables. In case
the program needs to delete old existing data a message box will be displayed asking for your
confirmation to proceed with the operation.
The data received from the CDR center is of four types :
Static data In case any modification occurs to the parameters of the application by the
CDR center the static database CDR_40_S.accdb is sent to the member at the
end of the last situation.
First file On first implementation of the system or upon modification by the CDR
center of client’s personal information (risk numbers, client personal
information, etc…) the first file (Fbbbyymm) is sent to the member at the end
of the last situation.
Avis file As a reply of the member declaration the CDR center sends the Avis file
I.T DEPARTMENT BANQUE DU LIBAN
Page : 22 CDR 4.0 User’s Guide
(Abbbyymm) which contains the new risk numbers given by the CDR to the
newly declared clients and their related information and contains also the total
amount of credits granted by the banking and financial sector to the clients of
the members.
Update file In order to replicate on the static database any modification, which affects the
dictionaries of names, the location codes and the branches an update file
(Ubbbyymm) is sent at the end of the situation.
While the program is receiving the data, the data type color is turned to red and messages are
displayed into the message box line describing the progress of the work.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 23 CDR 4.0 User’s Guide
2.2 View and print Avis data.
You can view and print Avis data by selecting option “Data Received from BDL (Avis)”
from the “Main” menu of the application. This option will open a submenu from which you
can view and print the following data:
Clients Shows risk numbers assigned by the CDR center to your clients
declared as new in this situation.
Control Data Control Data related to each of your branches.
Global Amount Global Risk amount of your clients in the financial sector.
Global Amount
– risk Amount
Global Risk amount of your clients in the financial sector minus
their risks with your institution.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 24 CDR 4.0 User’s Guide
2.2.1 View and print Avis : New Clients Risk Numbers
To view and print new clients risk numbers assigned by the CDR center to your clients
declared as new in this situation, you should select option “Clients” from the “Avis”
submenu. This option allows you also to see the updated identification information
(summary) of the clients that you requested a modification for.
The program displays a form and asks for the following information to be entered:
Situation date Date of the situation in the format yyyy / mm
Branch You can either specify the branch number or select the branch name
from the list menu.
Sort by You should specify how you want the data to be sorted : either by the
risk number of the client at the CDR center or by the number you
assigned to the new client Nbbb99999.
After filling the above required information you can select between two options:
Press the “View” button to display the data on screen.
Press the “Print” button to get the data printed on a report.
After you select the desired option the program will display the list of the new risk numbers
aside with the numbers you previously assigned to your new clients in the form Nbbb99999
and with a summary of the clients identification information.
The “Close” button is used to exit the current program.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 25 CDR 4.0 User’s Guide
2.2.2 View and print Avis : Control Data
You can view and print Avis control data from the option “Control data” in the “Avis”
submenu.
The program displays a form and asks for the following information to be entered:
Situation date Date of the situation in the format yyyy / mm
Branch You can either specify the branch number or select the branch
name from the list menu
After filling the above required information you can select between two options :
Press the “View” button to display the data on screen.
Press the “Print” button to get the data printed on a report.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 26 CDR 4.0 User’s Guide
After you select the desired option the program will display the following types of
information:
Avis control This table contains totals of the global risk amounts granted by the
financial sector to the clients of the selected branch detailed by
liability subgroup.
Avis statistics This table contains statistical information about the number of clients
and the summation of their risk numbers (sum. No.) as follows :
- Existing in the previous situation,
- Deleted in this situation: Clients that existed in the previous
situation but not anymore in the current situation,
- New in this situation,
- Existing in this situation.
You can toggle between the two types of information using the F5 key.
The “Close” button is used to exit the current program.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 27 CDR 4.0 User’s Guide
2.2.3 View and print Avis : Global Amounts
To view and print the global risk amounts of your clients you should select the option
“Global Amount” from the “Avis” submenu.
This option allows you to get the total risk amounts of your clients in the financial sector.
The program displays a form and asks for the following information to be entered:
Situation date Date of the situation in the format yyyy / mm.
Branch You can either specify the branch number or select the branch
name from the list menu.
Client Range Enter the desired range of client numbers.
View Type You can select to view the output in any of the two ways:
Totalized: the risk amounts shown in this selection are at the
liability type level: (ACB, AVM, ASH, …) The authorized
amounts (LA / XA) and the utilized amounts (LU / XU) are
displayed separately for LL and FX respectively in millions
of LL.
Detailed: In this option the risk amounts shown are at the
lowest available level. The authorized and utilized amounts are
displayed separately for LL and FX respectively in millions of
LL.
Liability Group This option is only available if you select “Totalized” option
from the “View type’. You can select to get the output for either:
Direct Liability Group or
Indirect Liability Group
After filling the above-required information you can select between two options:
Press the “View” button to display the data on screen.
Press the “Print” button to get the data printed on a report.
After you select the desired option the program will display the required data depending on
the view type (Totalised / Detailed).
The “Close” button is used to exit the current program.
I.T DEPARTMENT BANQUE DU LIBAN
Page : 30 CDR 4.0 User’s Guide
2.2.4 View and print Avis : Global minus Risk Amounts
The Global Risk amount minus risk amount shows the risk amounts of your clients in the
financial sector without including their risks with your institution.
To view and print this data you should select the option “Global Amount – Risk ” from the
“Avis” submenu.
The program displays a form and asks for the following information to be entered:
Situation date Date of the situation in the format yyyy / mm
Branch You can either specify the branch number or select the branch
name from the list menu
Client Range Enter the range of client numbers.
Calculation method You have two options to calculate the global amount – risk of
your clients :
Either you subtract from the global risk the value of their
risk with your institution
Or you subtract from the global risk the value of their risk
with the selected branch.
View Type You can select to view the output in any of the two ways:
Totalized: the risk amounts shown in this selection are at the
liability type level: (ACB, AVM, ASH, …) The authorized
amounts (LA / XA) and the utilized amounts (LU / XU) are
displayed separately for LL and FX respectively in millions
of LL.
Detailed: In this option the risk amounts shown are at the
loan type level. The authorized and utilized amounts are
displayed separately for LL and FX respectively in millions of
LL.
Liability Group This option is only available if you select “Totalized” option from
the “View type’. You can select to get the output for either:
Direct Liability Group or
Indirect Liability Group
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Page : 31 CDR 4.0 User’s Guide
After filling the above-required information you can select between two options:
Press the “View” button to display the data on screen.
Press the “Print” button to get the data printed on a report.
After you select the desired option the program will display the required data depending on
the view type (Totalised / Detailed).
The “Close” button is used to exit the current program.
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2.3 Create new situation date.
You can select this option “Situation” from the main menu of the application. This function
allows you to create a new situation.
The program displays a form containing the last existing situation date and the next situation
date to create. You only have to press on “Create new situation” button to start the creation
process. A message box will be displayed asking for your confirmation to proceed with the
create operation. During the creation, messages are displayed into the message box line
describing the progress of the work.
Besides, this function allows you to undo your creation and return to the previous status by
pressing on the button “Undo last create”. A message box will be displayed asking for your
confirmation to proceed with the undo operation.
In case you start the data entry process and you want to delete all the data pertaining to the
current situation date, you can use the option “Situation” from the main menu of the
application. The program displays a form containing the last existing situation date and the
previous situation date. If you press on the “Delete last create” button a message box will be
displayed asking for your confirmation to proceed with the delete operation. Upon
confirmation the data related to the current situation date is deleted as well as the current
situation date itself and the previous situation date will become the current situation date.
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2.4 Data preparation
In order to enter data for a new situation, you have to choose the “Data Preparation” option
from the “Main” Menu.
In the “Data preparation” sub menu you have 7 choices listed below concerning entering
and listing data:
Empty list
Clients
Copy New Clients from Previous Situations
Amounts
Control Data
Reports
Validate
The steps to follow during data entry are:
1. Print empty declaration forms for the new clients by selecting the “Empty list” option.
2. Input the information concerning the new clients by selecting the “Clients” option.
3. Input the risk amounts for the old and new clients by selecting the “Amounts” option.
4. After that, you will enter the control data for all branches by choosing “Control Data”.
5. Optionally, you can view and print the data entered by choosing the “Reports” option.
6. Validate your data entry by choosing the “Validate” option.
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2.4.1 Data preparation : Print empty list of clients.
In order to prepare the data of a given situation, you can print empty declaration forms for
your client in the previous situation (old client) and for any eventual client in this situation
(new client). The “Empty list” option in the “Data preparation” sub menu allows you to
print the empty declaration forms.
The program displays a form and asks you to enter the following items:
Branch You must select the branch number or name of the clients you want to
print the empty list for.
Type of client Specify for which clients you want to print the empty declaration forms:
New clients only, Old clients only or for both New and Old clients.
From to number You must specify the range of client numbers to include into the
printouts.
Print previous
details
In case you want to print the details of the previous situation related to the
client, next to the empty rows in the declaration forms you should select
the “Yes” option otherwise select “No”.
Once you complete your selection press the “Print” button to start the printing process.
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2.4.2 Data preparation : Clients
To define new clients for the current situation, choose from the “Data Preparation” sub
menu the “Clients” option. When you select this option, a window of selections is opened and
you are requested to enter the following information:
Branch number First Choose the branch number or name where you want to define the
new clients.
Type of clients New client, view Old client or modify Old client.
Then click the “Ok” button and a new selection is displayed. You will have 2 options:
1- Either you want an automatic display for the clients numbers or you want to enter the
numbers manually yourself.
2- Enter the range of client numbers.
By default the automatic display is selected and the range is filled from minimum to
maximum.
After you click the “Ok” button, the “Identification of New /Old Clients” or “Modification
of old clients” forms open.
In case you choose “view Old clients” option in the previous selection window you will be
only allowed to view a summary information of the old clients without making any
modification.
Otherwise you have to enter complete information of the new or modified client. The
information to enter depends on the type of the client: Physical person “Individu” or Moral
person “Societé”.
For the Individu the information is divided into 4 groups:
Group 1: Personal Information which includes: Sex, Nationality, Client name, Client
first name, Father’s first name, Mother’s Maiden and first name, Spouse name, Spouse
first name, Register number, Birth date and Register place.
Group 2: Risk information which includes: Client Classification, Legal Form,
Judicial Status, Commercial name, Miscellaneous information and Risk number if
available.
Group 3: Address which includes: Residence, Country of residence, Location code,
Building, Street, Sector, City, Telephone number and Postal code.
Group 4: Associé which includes: Raison sociale (corporate name), trade register
number, trade register place and Foundation date. This group is used to define a sole
proprietorship company.
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For the Societé the information is divided into 5 groups:
Group 1: Company Information which includes: Raison sociale (corporate name),
Nationality, Foundation date, trade register number and trade register place.
Group 2: Risk information which includes: Client Classification, Legal Form,
Judicial Status, Commercial name, Miscellaneous information and Risk number if
available.
Group 3: Address which includes: Residence, Country of residence, Location code,
Building, Street, Sector, City, Telephone number and Postal code.
Group 4: Associé “I” which includes: Sex, Nationality, Client name, Client first name,
Father’s first name, Mother’s Maiden and first name, Spouse name, Spouse first name,
Register number, Birth date, Register place, Partner type, Participation percentage and
Risk number if available. This group is used to define one or many Individual Partner
to the societe.
Group 5: Associé “S” which includes: Raison sociale (corporate name), Nationality,
Foundation date, trade register number and trade register place, legal form, partner type,
Participation percentage and Risk number if available. This group is used to define one
or more Company Partner to the societe.
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Rules and Validations:
Names All names used in the definition of the clients should be defined into the
dictionary of names. If the name entered does not exist in the dictionary
a warning message is given and the name is accepted. A Maximum
number of 100 unmatched names with the dictionary is allowed.
Associé “I” / “S” The partners of the moral person should be defined depending on the
legal form of the moral person as described into BDL Basic circular 75
dated on 26/10/2000. Note that the “Societé de fait” should have at least
two partners.
Sole proprietorship
company
Sole proprietorship companies are defined as Associé “S” to the
Individual who owned this company as a single owner.
Register No. and
Register place
Register number and register place are mandatory for Lebanese clients
only.
Address location
code
The location code is mandatory for resident clients only.
Risk Number
If known, you specify in this field the risk number of the client or the
partner (associé) at the CDR center.
When you finish entering the information click the button “Confirm” or press <F2> to save
the entered data. Then you can enter the information for the next client.
To delete a client you should press the “Delete” button. This operation is allowed only if the
client doesn’t have risk amounts. If the client already exists this button is enabled, else it is
disabled.
Available Buttons
Refer to paragraph 1 in this section, (General rules) to know about the functionality of
each button in the bottom of the “Identification of New/Old Clients” or “Modification of
old clients” forms.
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2.4.3 Data preparation : Copy new clients from previous situations
This function allows you to copy new clients detailed information from any previous situation
to the current situation.
When you select the option, “Copy New Clients from Previous Situations” from the “Data
Preparation” sub menu a window of selections is opened and you are requested to enter the
following information:
Copy from
Situation Specify any previous situation date from which you want to retrieve the
new client detailed information
Branch Specify the branch number where the new client was defined.
Client Number Specify the client number you want to copy.
Copy to
Situation Displays the current situation date. This field cannot be modified.
Branch Specify the branch number where you want the new client to be defined.
Then click the “Copy” button to start the copy process. The new number assigned to the
client will be equal to the maximum new client number, defined in the destination branch,
plus one.
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2.4.4 Data preparation : Amounts To input the risk amounts for the clients, choose “Amounts” option from the “Data
Preparation” sub menu. When you select this option, you are asked to select the branch you
want to work with.
Choose the number or name of the branch you want to add risk amounts for its clients and
then click the “Ok” button.
After you click the “Ok” button, the “Risk amounts Entry” form opens. It allows you to enter
the following information for each client (Old or new):
Client Number Is the CDR risk number of the client you want to enter his risk amounts.
When you input or select a client number, his name and related
information are displayed. It’s an obligatory field.
Client Name Is the name of the client you want to enter his risk amounts. When you
input or select the name of a client his corresponding number and related
information are displayed. It’s an obligatory field.
By default the first client in the selected branch is displayed. Then you have 4 amount pages
where you can enter the risk amounts. Each page is for a specific Liability sub group:
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1- Engagements Directs <F5>
Liability Type Enter a liability type or choose it from the drop down list.
Loan Type Enter a loan type or choose it from the drop down list.
Economic Sector Enter the economic sector related to the liability of the client
Currency ISO code of the liability currency.
Authorized Authorized amount converted into millions of LL for the selected
liability type, loan type, economic sector and currency.
Utilized Utilized amount converted into millions of LL for the selected
liability type, loan type, economic sector and currency.
Remaining period Specify the remaining period of the loan in months.
Risk Classification Specify the risk rating of the loan.
2- Garanties Reçues <F5>
Liability Type Enter a guarantee type or choose it from the drop down list.
Currency ISO code of the guarantee currency.
Utilized Guarantee amount in millions of LL for the selected guarantee
type.
3- Engagements Hors Bilan <F5>
Liability Type Enter a liability type or choose it from the drop down list.
Loan Type Enter a loan type or choose it from the drop down list if applicable
for the selected liability type.
Economic Sector Enter the economic sector related to the liability of the client
Currency ISO code of the liability currency.
Authorized Authorized amount converted into millions of LL for the selected
liability type, loan type, economic sector and currency.
Utilized Utilized amount converted into millions of LL for the selected
liability type, loan type, economic sector and currency.
Margin Specify the margin received as a guarantee for the selected
liability if applicable.
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4- Memorandum Items <F5>
Liability Type Enter a liability type or choose it from the drop down list.
Loan Type Enter a loan type or choose it from the drop down list if applicable
for the selected liability type.
Economic Sector Enter the economic sector related to the liability of the client
Currency ISO code of the liability currency.
Authorized Authorized amount converted into millions of LL for the selected
liability type, loan type, economic sector and currency.
Utilized Utilized amount converted into millions of LL for the selected
liability type, loan type, economic sector and currency.
Remaining period Specify the remaining period of the loan in months.
Risk Classification Specify the risk rating of the loan.
Margin Specify the margin received as a guarantee for the selected
liability if applicable.
When you finish entering the information click the button “Confirm” or press <F2> to save
the entered data. Then you can enter the amounts for the next client.
If you entered a liability type without entering any amount you are asked to enter the amounts
or to delete the record for the liability type.
N.B.:
a- At the bottom of each page you will find a total for each type of amount, and a button to
delete the amounts for the selected liability type.
b- To navigate between pages you can press <F5> key while the <F6> key allows you to
navigate between the main form and the amount pages.
Available Buttons
Refer to paragraph 1 in this section (General Rules) to know about the functionality of
each button in the bottom of the “Risk Amounts Entry” form.
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2.4.5 Data preparation : Control Data
To input the control data for the branches, choose the “Control Data” option from the “Data
Preparation” sub menu.
This function allows you to enter the following information for each branch in your
institution:
Total Authorized Total of authorized amounts for each liability sub group.
Total Utilized Total of utilized amounts for each liability sub group.
Count of old clients Count of old clients declared in the current situation.
Sum No. of old clients Sum of the numbers of old clients declared in the current situation.
Count of new clients Count of new clients declared in the current situation.
Sum No. of new clients Sum of the numbers (last 5 digits) of new clients declared in the
current situation.
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When you finish entering the control data click the button “Confirm” or press <F2> to save
the entered data. Then you can enter the control data related to the next branch.
N.B.: To navigate between the tables and the main form press the <F6> key.
Available Buttons
Refer to paragraph 1. in this section (General Rules) to know about the functionality of
each button in the bottom of the “Branch Control Data” form.
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2.4.6 Data preparation : Reports
To view and print the data of all branches for the current situation, choose from the “Data
Preparation” sub menu the “Reports” option.
Using this sub-menu you will be able to choose the type of data you want to view or print:
Clients.
Amounts.
Control data.
Amounts exceeding cash guarantee
Clients having no real guarantee
Distribution of loans by economic sector and loan type
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2.4.6.1 Clients
This function allows you to view or print the Identification data of your clients in a specific
situation date. For the new and modified clients this function will print the Identification cards
CDR-I and CDR-S to be sent to the CDR center.
First you have to select the following information:
Branch You can either specify the branch number or select the branch name
from the list menu.
Type of clients Specify the type of clients you want to view or print:
New clients Identification cards
Old clients.
Modified clients.
New clients summary
Client status Specify the status of the clients you want to view or print:
Only Clients with risk amounts.
Only Clients with no risk amounts.
All clients with and without risk amounts.
From / to number Enter the required range of client numbers.
Then you can press the “View” button to display the data on screen or the “Print” button to
get the data printed on a report.
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2.4.6.2 Amounts
This function allows you to view or print the risk amounts of your client in a specific situation
date.
First you have to select the following information:
Branch You can either specify the branch number or select the branch name
from the list menu.
Type of report You can select to view the output in any of the two ways:
Totalized: the risk amounts shown in this selection are at the
liability type level: (ACB, AVM, ASH, …) The authorized amounts
(AU) and the utilized amounts (UT) in millions of LL.
Detailed: In this option the risk amounts shown are at the loan type
level. The authorized and utilized amounts are displayed in millions
of LL.
Liability Group This option is only available if you select “Totalized” option from the
“Type of report’. You can select to get the output for either:
Direct Liability Group or
Indirect Liability Group
Type of clients You can specify to view only the new clients or the old clients or both
the new and the old clients.
From / to number Enter the required range of client numbers.
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2.4.6.3 Control Data
This function allows you to view or print the control data for each branch in a specific
situation date.
First you are asked to enter a range of branches.
Then you can press the “View” button to display the data on screen or the “Print” button to
get the data printed on a report.
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2.4.6.4 Amounts exceeding cash guarantee
This function allows you to print the clients having utilized amount in the liability type ACB
greater than the amount specified in the cash guarantee TCB.
First you are asked to choose between printing the data for all branches or for a specific
branch.
Then you can press the “Print” button to get the data printed on a report.
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2.4.6.5 Clients having no real guarantee
This function allows you to print the clients having utilized amounts in the liability types
AVM, ASH and ASR and their real guarantee amount TSR is null.
First you are asked to choose between printing the data for all branches or for a specific
branch.
Then you can press the “Print” button to get the data printed on a report.
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2.4.6.6 Distribution of loans by economic sector and loan type
This function shows the distribution of the loans on the main economic sectors.
This report will be used to control the assignment of loan types in your declarations and
prevent any misuse of loan types in certain economic sectors.
The economic sectors listed in the economic sector list (ECO-01) are grouped as follows :
Agriculture = Axx
Industry = Bxx + Cxx + Dxx
Construction = Exx
Trading and services = Fxx + Gxx + Hxx + Ixx + Kxx + Mxx
Financial intermediation = Jxx
Other sectors = Lxx + Nxx + Oxx + Pxx + Qxx
Individuals = Rxx
(Axx means all the economic sectors starting with the code A : A01, A02, A03, A04) First you are asked to choose between printing the data for all branches or for a specific
branch.
Then you can press the “Print” button to get the data printed on a report.
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2.4.7 Data preparation : Validate.
In order to ensure a correct data entry operation, you should validate the risk data of each
branch. The “Validate” option in the “Data preparation” sub menu allows you to validate
your data entry.
First you have to select one or more branches that you want to validate. Then you should
press, “Validate selected branches” button to start the validation process.
The program will make the matching between the data entered for the clients in a branch with
the control data of the related branch.
During validation, messages are displayed in the message box line describing the progress of
the work. In case of un-matching data, error messages are generated and can be printed. You
should correct the errors and retry the validation operation. The error messages due to the use
of names, which are not defined in the dictionary of names, will be considered as warnings if
they did not exceed the limit of 100 per branch. In this case the branch will be validated.
In case you want to validate all your branches, you have to press on “Validate all branches
button”.
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2.5 Copy to diskette the validated data, and print BDL control from diskette.
Once all your branches data is validated, you may copy your data to diskette, then send it to
the CDR center. The option “Copy data to BDL“ in the main menu allows you to execute
this operation.
The program displays a form and asks you to enter the situation date you want to copy and the
path or location of the destination file Rbbbyymm. Usually the path is a:\
Then press the “Copy” button to start copying the data. In case of errors, a message box will
be displayed describing the error; correct the error and retry the copy operation.
During the copy operation messages are displayed in the message box line showing the
progress of the work.
If the copy operation proceeds without errors the following message is displayed:
“End of process.”
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2.6 Print new clients from diskette.
The new clients declared in the prepared situation should be printed and sent to the CDR
center.
The option “Print New Clients from Diskette“ in the main menu allows you to execute this
operation. The program will read the data from the Risk file Rbbbyymm already prepared in
the previous paragraph and print the new clients information accordingly. Two different
outputs will be printed depending on the format option you choose. You can either print a
bordereau of the new and modified clients or the identification cards CDR-I and CDR-S.
In addition, once you receive the Avis file from the CDR center, this program will allow you
to print the numbers assigned by the CDR center to your new customers by reading the data
from the Avis file Abbbyymm.
The program displays a form and asks you to enter the following information :
Situation date Date of the situation you are preparing in the format yyyy / mm
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File type The file type you are printing :
Risk file to BDL: Rbbbyymm contains your declaration data of the
situation previously specified.
Avis file from BDL: Abbbyymm contains the CDR center
response to your declaration of the situation previously specified.
Output format Specify the output format
Bordereau: to print a summary of all the new and modified clients
that you are sending to the CDR center.
Identification cards: to print detailed information about the new
and modified clients according to the cards CDR-I and CDR-S.
Path of file Specifies the path where the file Rbbbyymm or Abbbyymm exist on
your computer : for example a:\.
Print Define in this option if you want to print the data for all your branches
or for one branch only.
Then you can press the “Print” button to get the data printed on a report.
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3. VALIDATION OF BDL DISKETTE
In case you prepare the Risk file Rbbbyymm (BDL diskette) using your own programs, The
CDR 4.0 application provides a program that allows you to verify the correctness and
compliance of the data into the prepared file with the application requirements. (For more
information refer to the technical document page 27).
The program displays a form and asks for the following information to be entered:
Situation date Date of the situation to be validated in the format yyyy / mm
Path of file Specifies the path where the file Rbbbyymm exist on your
computer : for example c:\cdr_40.
6 Numeric fields Represents the BDL control data that exists into the file to
validate.
Once the “Validate” button is pressed the program will start validating the data, messages are
displayed in the message box line describing the progress of the work.
In case of un-matching data error messages are displayed and can be printed. You should
correct the errors and retry the validation operation. The error messages due to the use of
names, which are not defined in the dictionary of names, will be considered as warnings if
they did not exceed the limit of 100 per branch. In this case the branch will be validated.
If the validation proceeds without errors the following message is displayed:
“End of process.”
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Moreover this function provides a button “Print Bank Control Data” that allows you to print
the BDL control that should be signed and sent to the CDR center.
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4. APPLICATION PARAMETERS
The application parameters can be listed by clicking on the button Parameters from the main
menu. A sub menu will be shown and the user can select to see one of the following
parameters :
Economic sector Contains the economic sectors code of the clients ECO01.
Liability group Contains the main liability groups and subgroups a client may
have.
Directs
Direct Liabilities,
Received Guarantees,
Indirects
Off balance sheet accounts,
Memorandum items.
Liability type Contains all the liability types a client may have. These types
are related to liability sub-groups (ACB, AVM, ASH, etc.
…….).
Loan type Contains all possible loan types. The loan types are related only
to the Direct Liability sub-group ( a1, a2, a3, etc. …….)
Liability cross loan Contains the possible relation between the liability Types and
the Loan types.
Branches Contains all the branches names and numbers of the member.
Commercial register Contains the trade register locations in Lebanon.
Legal form Contains all the possible legal forms of the clients.
Credit Portfolio Contains all the possible credit portfolios of the clients.
Partner type Contains the partners, shareholders and participants types in a
moral person.
Legal cross partner Contains the possible relation between the legal form and the
partner type data tables.
Location codes Contains the Lebanese regions used for personal register
locations and addresses.
Currency Contains the currencies defined in the system.
Nationality Contains the nationalities defined in the system.
Client classification Contains the clients economic classifications ECO02.
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Risk classification Contains the risk rating of the loans.
Judicial status Contains all the possible judicial statuses of the clients.
Male dictionary Contains all the possible Male names that can be used in the
Identification cards of the individuals.
Female dictionary Contains all the possible female names that can be used in the
Identification cards of the individuals.
Family dictionary Contains all the possible family names that can be used in the
Identification cards of the individuals.
You can only view these parameters on screen or print them by pressing on the print button.
These tables are recognized and coded by the CDR center. Therefore any kind of modification
is prohibited. A recognized modification should be done by the “Centrale des Risques”
administrator.
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5. BACK UP AND PURGE YOUR DATA
In order to protect your data against loss if your hard disk fails or you accidentally overwrite
or delete data you must backup your data files. Include into your backup the following files
from the folder C:\CDR_40 : (or the equivalent folder in your environment)
CDR_40_I.accdr
CDR_40_S.accdb
CDR_40_W.accdb
For better system performance you must purge the unneeded old situation data from your
database. This operation must be done after backing up your files.
The last option in the main menu allows you to purge the data existing in the CDR tables by
selecting a range of situation dates. Once the date range is selected and the purge button is
pressed the program asks for a confirmation. Upon confirmation the program will delete all
the data (Risk and Avis) related to the selected situation dates.
To benefit from the freed storage due to the purge operation you should exit the application
and then re-enter again, this will enforce the compact database utility to run.
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VI. DATABASE OBJECTS
1. OVERVIEW
The CDR 4.0 application is developed using Microsoft Access 2007 environment. The
application is built using three Microsoft Database files which are :
CDR_40_S.accdb ( Static Database ) contains the codes and parameters of the
application.
CDR_40_W.accdb ( Working Database ) contains the risk data of the members.
CDR_40_I.accdr ( Interface Database ) contains the forms, reports and the
modules of the application.
The Interface Database CDR_40_I.accdr is linked to the other databases CDR_40_S.accdb
and CDR_40_W.accdb.
In addition Interface files (line sequential text file) are used by the application to send or
receive data to or from the CDR.
Refer to the “Technical document” for detailed information about the tables and interface
files structure.
CDR_40_I
CDR_40_S
CDR_40_W
CDR_40_I
CDR_40_I PC1
PC2
PC3 Server
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VII. APPLICATION MESSAGES
1. APPLICATION MESSAGES
The messages generated by the application are stored in the static database
(CDR_40_S.accdb) table STmessages and are the following :
Message
code Description
INF003 There are no more Branches
INF004 No data for this Choice
INF007 Client does not exist
INF008 This client is Not Found
INF009 There are no more Clients
INF010 No Amounts for this choice
INF011 No clients for this choice
INF012 No Clients for this Branch
INF013 The branch you selected is in use by another user
WRN001 You must select a branch from the list
WRN002 Branch Number does not exist for this bank
WRN003 From Number must be greater than zero
WRN004 Branch, From Number and To Number must not be null
WRN005 You must select a branch
WRN006 From Number must not be null
WRN007 To Number must not be null
WRN008 From Number must be less than To Number
WRN009 To Number must be greater than zero
WRN010 Situation year must not be empty
WRN011 Situation Month must not be empty
WRN012 Path must not be empty
WRN013 File "First" does not exist
WRN014 File "Avis" does not exist
WRN015 File static data (CDR_40_S.ACCDB) does not exist
WRN016 File "First" has incorrect data
WRN017 File "Avis" has incorrect data
WRN018 This bank does not exist
WRN019 Bank must not be empty
WRN020 This branch does not exist
WRN021 This Data already exists, press Esc to Undo this selection
WRN022 Liability Type and Loan Type must not be Null, press Esc to Undo The current choice
WRN023 The Loan Type does not match the Liability Type, re-enter
WRN024 This Liability Type already exist, press Esc to Undo this selection
WRN025 Liability Type must not be Null
WRN026 Select the liability type before you input the amounts
WRN027 Branch Number is not valid
WRN028 From Number and To Number must not be null
I.T DEPARTMENT BANQUE DU LIBAN
Page : 68 CDR 4.0 User’s Guide
Message
code Description
WRN029 You must complete the data entry for this record before you leave this page, or press Esc to undo this record
WRN030 Client Number,Client Name, Sector Code and Subdivision Code must not be Null
WRN031 Client Number must not be Null
WRN032 Client Name must not be Null
WRN033 Sector Code must not be Null
WRN034 Subdivision Code must not be Null
WRN035 This Client has Amounts, delete the Amounts and then delete the client
WRN036 Invalid Year format, must be 4 digits
WRN037 Invalid Date, re-enter
WRN038 You must Select the Situation Date first
WRN039 You must Select a Sector Name from the list
WRN040 You must Select a Sector Subdivision from the list
WRN041 You must select an item from the list
WRN042 You must select From and To Branch Number
WRN043 You must select From Branch Number
WRN044 You must select To Branch Number
WRN045 From Branch Number must be less than To Branch Number
WRN046 Year , Month or Branch can not be empty
WRN047 Situation month does not Exist
WRN048 Situation year does not Exist
WRN049 From Sector Code must be less than To Sector Code
WRN050 From Date must be less than To Date
WRN051 Sector Code does not exist
WRN052 Subdivision Code does not exist
WRN053 Could not copy file Static data
WRN054 Could not copy file First from Mainframe
WRN055 Could not copy file Avis from Mainframe
WRN056 Bank, Branch, Path, From Number and To Number must not be Null
WRN057 Branch must not be Null
WRN058 Currency must not be Null
WRN059 Risk Classification must not be Null
WRN060 The currency for this Loan Type must be LBP
WRN061 Remaining period must not be Null
WRN062 The sex must not be Null
WRN063 The first name must not be null
WRN064 The last name must not be null
WRN065 The father's first name must not be null
WRN066 The mother's first name must not be null
WRN067 The mother's last name must not be null
WRN068 The birth date must not be null
WRN069 The nationality must not be null
WRN070 The register place must not be null
WRN071 you have to select the sex of the client first
WRN072 Raison Sociale must not be null
WRN073 The Partner Type must not be null
I.T DEPARTMENT BANQUE DU LIBAN
Page : 69 CDR 4.0 User’s Guide
Message
code Description
WRN074 The percentage of participation must not be null
WRN075 The legal form must not be null
WRN076 The Client Classification must not be null
WRN077 The Register number must not be null
WRN078 There are no more partners to cycle in
WRN079 The Legal Form must not be null
WRN080 The Location Code must not be null
WRN081 The building must not be null
WRN082 The city must not be null
WRN083 The Trade Register Place must not be null
WRN084 The Foundation Date must not be null
WRN085 Warning, the name you typed is not in the dictionary
WRN086 Location Code does not exist
WRN087 Nationality does not exist
WRN088 There must be at least one Partner
WRN089 this partner type is not valid for the legal form of the client
WRN090 A Societe de fait may not have company partners
WRN091 The Country must not be null
WRN092 There must be at least two Partners
WRN093 The First Name is not in the dictionary
WRN094 The Spouse First Name is not in the dictionary
WRN095 The Loan Type must not be null
WRN096 Register Place does not exist
WRN097 File "Update parameters" does not exist
WRN098 File "Update parameters" has incorrect data
I.T DEPARTMENT BANQUE DU LIBAN
Page : 70 CDR 4.0 User’s Guide
APPENDIX 1 : TECHNICAL SUPPORT
In the event you need any queries related to this document, do not hesitate to contact the
technical support at the address below:
Banque du Liban
I.T Department
Telephone no. 961-1-750000
Fax no. 961-1-343316
Email ecdrsupport@bdl.gov.lb
Contact Persons Miss. Hiam Khachen,
Mr. Fady Ayoub,
Mrs. Salam Harfouche.
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