banque du liban ةيريدم ناـنـبل فرـصم i.t department ... the “bdl control”...

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. 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.



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).



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



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.



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.



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)



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.



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)



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.



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:




Insert your name and Bank name and then click Next

Click on typical and then click Next



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.



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).



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:


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.




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)



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:



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”



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.



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



(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.



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.



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.



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.



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 :





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.




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.


Situation date Date of the situation in the format yyyy / mm.


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:



After you select the desired option the program will display the required data depending on

the view type (Totalised / Detailed).




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.




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:


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:





After filling the above-required information you can select between two options:



After you select the desired option the program will display the required data depending on

the view type (Totalised / Detailed).




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.



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.



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.



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.



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.



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.



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.



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:



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


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>


Loan Type Enter a loan type or choose it from the drop down list if applicable

for the selected liability type.







Margin Specify the margin received as a guarantee for the selected

liability if applicable.



4- Memorandum Items <F5>


Loan Type Enter a loan type or choose it from the drop down list if applicable

for the selected liability type.







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.



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.



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.



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



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:


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.



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:


from the list menu.

Type of report You can select to view the output in any of the two ways:


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:



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.



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.



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.



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.




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.




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”.



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.”



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



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.




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).


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.”



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.



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.



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


Family dictionary Contains all the possible family names that can be used in the


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.



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.



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



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



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



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



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 [email protected]

Contact Persons Miss. Hiam Khachen,

Mr. Fady Ayoub,

Mrs. Salam Harfouche.

mailto:[email protected]

banque du liban ةيريدم ناـنـبل فرـصم i.t department ... the “bdl control”...

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