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ECB SME Template
Version 19
Date: 2011-12-21
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SME Requirements
The information should be submitted for all SME loans except leasing.
When completing the template, please note:
Collateral Section
Amortisation ro!ileThe amortisation schedule needs to be completed on a loan by loan basis.
"ists
The collateral section should be completed for each piece of collateral that is pledged against a particular loan. For excollateral, therefore the collateral template would need to be completed ! times for loan MME!"#. Each time ma$ing scollateral details in %S' to %S&".
When sumbitting responses to field which are lists, (ust the number of the list option should be submitted, e.g. for )S'submitted is (ust the number *'*
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ECB "oan "e#el Data - Reportin$ Template !or SME - Decem%er 2011
Template for Newly Added Assets - Initial Rating Point, Substituted Assets, Product Changes etc
&iel' num%er riorit( TA) &iel' *ame Data T(pe &iel' D
AS1 Mandatory 3ynamic +ool %ut4off 3ate 3ate %urrent pool or
AS2 Mandatory Static +ool 1dentifier Text52umeric
AS, Mandatory Static 6oan 1dentifier Text52umeric niue identifie
AS Mandatory Static 7riginator Text 6ender that ad8
AS. Mandatory Static Ser8icer 1dentifier Text52umeric
AS/ Mandatory 3ynamic Ser8icer 2ame Text Ser8icer name
AS Mandatory Static 9orrower 1dentifier Text52umeric
AS 7ptional 3ynamic 0roup %ompany 1dentifier Text
AS9 !lan"
AS10 !lan"
AS11 !lan"
AS12 !lan"
AS1, !lan"
AS1 !lan"
%li$or 3n!ormation
AS1. Mandatory Static %ountry 6ist
AS1/ Mandatory Static +ostcode Text
AS1 7ptional Static 0eographic egion 6ist
AS1 Mandatory Static 7bligor 6egal Form 5 9usiness Type 6ist
AS19 7ptional Static 7bligor 1ncorporation 3ate 3ate
AS20 7ptional Static 7bligor is a %ustomer since; 3ate
The uniue tran
string 5 transacti
niue identifierentity is ser8icin
niue identifierborrowers with mbe identified e.gloans shown as
niue group coidentifies the bocompany
%ountry of permTaxonomy for fu
First & or ! charminimum. 3o noSee Taxonomy f
The region descis located basedTerritorial nits fregional coding efer to taxonom
+ublic %ompany6imited %ompan
+artnership !-1ndi8idual
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AS21 7ptional Static %ustomer segment 6ist
AS22 Mandatory Static 9orrower 9asel 111 Segment 6ist
AS2, Mandatory Static 7riginator )ffiliate; > 5 2
AS2 7ptional Static 7bligor Tax %ode Text52umeric
AS2. Mandatory Static )sset Type 6ist
AS2/ Mandatory 3ynamic Seniority 6ist
AS2 7ptional 3ynamic Total credit limit granted to the loan 2umericTotal credit lim
AS2 7ptional 3ynamic Total %redit 6imit sed 2umeric
AS29 7ptional Static Syndicated > 5 2
AS,0 7ptional 3ynamic 9an$ 1nternal ating 2umeric
AS,1 7ptional 3ynamic 6ast 1nternal 7bligor ating e8iew 3ate
AS,2 7ptional 3ynamic Text52umeric
AS,, 7ptional 3ynamic Text52umeric
AS, 7ptional 3ynamic Text52umeric
AS,. 7ptional 3ynamic Text52umeric
1ndicate the bodefinition ecMedium '-Small &-Micro !-7ther
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AS,/ 7ptional 3ynamic Text52umeric
AS, Mandatory 3ynamic 2umeric
AS, 7ptional 3ynamic 2umeric
6oss 0i8en 3e
AS,9 7ptional Static SB+ 1ndustry %ode 2umeric
AS0 7ptional Static MoodyCs 1ndustry %ode 2umeric
AS1 7ptional Static Fitch 1ndustry %ode 2umeric
AS2 Mandatory Static 2)%E 1ndustry %ode Text52umeric
AS, 7ptional Static 7ther 1ndustry %ode Text52umeric
AS 7ptional 3ynamic 9orrower deposit amount 2umeric9orrower depo
AS. 7ptional 3ynamic 9orrower deposit currency 6ist
AS/ !lan"
AS !lan"
AS !lan"
AS9 !lan"
"oan C4aracteristics
AS.0 Mandatory Static 6oan 7rigination 3ate 3ate
AS.1 Mandatory Static 3ate
AS.2 Mandatory Static 6oan 3enomination %urrency 6ist
AS., Mandatory 3ynamic 6oan Dedged > 5 2
AS. Mandatory Static 2umeric 7riginal total l
AS.. Mandatory 3ynamic %urrent 9alance 2umeric
AS./ Mandatory Static Securitised 6oan )mount 2umeric
7ther +ublic ating 7ther public ea8ailable refer
9an$ 1nternal 6oss 0i8en 3efault 603-Estimate
6oss 0i8en 3econditions.
9an$ 1nternal 6oss 0i8en 3efault 603-Estimate 3own4Turn-
9orrower SB+a8ailable refer
9orrower Mooa8ailable refer
9orrower Fitcha8ailable refer
9orrower induTaxonomy for to be used. 1f nTaxonomy for
7ther 9orrowea8ailable refer
%urrency of thSee Taxonom
3ate of originaa8ailable refer
Final Maturity 3ate Final maturity
6oan denominSee Taxonom
Das the specifcurrency ris$;
7riginal 6oan 9alance
)mount of loaoff date, This sthat are classetransaction. Fadded to the lothe principal inbe added. Excpenalty amoun
9alance of theoff date
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AS. 7ptional Static +urpose 6ist
AS. Mandatory Static 6ist
AS.9 Mandatory Static 1nterest +ayment Freuency 6ist
AS/0 7ptional 3ynamic Maximum 9alance 2umeric
AS/1 7ptional Static Weighted )8erage 6ife 2umeric
AS/2 Mandatory 3ynamic )mortiation Type 6ist
AS/, 7ptional 3ynamic egular +rincipal 1nstalment 2umeric )mount of e
AS/ 7ptional 3ynamic egular 1nterest 1nstalment 2umeric )mount of e
6oan purpose
+urchase '-
e4mortgage eno8ation !Euity release%onstruction %onstruction 73ebt consolide4mortgage e4mortgage o%ombination M1n8estment MoWor$ing %apit7ther '!-2o 3ata 23-
+rincipal +ayment Freuency
Freuency of
number of mo
Monthly '-Guarterly &-Semi annually
)nnual
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AS/. Mandatory Static Type of 6oan 6ist
AS// Mandatory 3ynamic 9alloon )mount 2umeric The balloon pa
AS/ 7ptional 3ynamic 2ext +ayment 3ate 3ate
AS/ Mandatory 3ynamic +ayment type 6ist
AS/9 7ptional Static +repayment +enalty 2umeric
AS0 7ptional Static +rincipal 0race +eriod End 3ate 3ate
AS1 7ptional Static 1nterest 0race +eriod End 3ate 3ate
AS2 !lan"
AS, !lan"
AS !lan"
AS. !lan"
AS/ !lan"
AS !lan"
AS !lan"
AS9 !lan"
3nterest Rate
AS0 Mandatory 3ynamic %urrent 1nterest ate 2umeric %urrent intere
AS1 Mandatory 3ynamic 1nterest %ap ate 2umeric
AS2 Mandatory Static 1nterest Floor ate 2umeric
AS, Mandatory 3ynamic 1nterest ate Type 6ist
Term '-e8ol8ing %re7ther !-2o 3ata 23-
3ate of next p
refer to Taxon
3irect 3ebit 'Standing 7rde%heue !-%ash
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AS Mandatory 3ynamic %urrent 1nterest ate 1ndex 6ist
AS. Mandatory 3ynamic %urrent 1nterest ate Margin 2umeric
AS/ 7ptional 3ynamic e8ision Margin ' 2umeric
AS 7ptional 3ynamic 1nterest e8ision 3ate ' 3ate
AS 7ptional 3ynamic e8ision Margin & 2umeric
AS9 7ptional 3ynamic 1nterest e8ision 3ate & 3ate 5 2umeric
AS90 7ptional 3ynamic e8ision Margin ! 2umeric
AS91 7ptional 3ynamic 1nterest e8ision 3ate ! 3ate
AS92 7ptional 3ynamic e8ised 1nterest ate 1ndex 6ist
AS9, 7ptional Static Final Margin 2umeric
AS9 Mandatory Static 1nterest eset +eriod 6ist
AS9. !lan"
AS9/ !lan"
AS9 !lan"
%urrent intererate off which set-:' month 6197' month E! month 6197! month E# month 6197# month E'& month 6197'& month E9oE 9ase atE%9 9ase aStandard Jaria7ther '&-
%urrent intereloans this is thrate, for floatino8er or under index rate
The margin fodate. 1f no datfor inputs.
3ate interest rdiscount margloan re4fixed ereset date-. 1f Taxonomy for
The margin fodate. 1f no datfor inputs.
3ate of &nd ina8ailable refer
The margin fodate. 1f no datfor inputs.
3ate of !rd inta8ailable refer
2ext interest rfield )S@ 5 2
AS1,2 Mandatory 3ynamic )llocated 6osses 2umeric The allocated
AS1,, 7ptional 3ynamic edemption 3ate 3ate
AS1, Mandatory 3ynamic 3ate 6oss )llocated 3ateThe date when
2umber of dayprior to redem
3efault or Foreclosure on the loan perthe transaction definition
Whether thereforeclosure ondefinition. 1f noTaxonomy for
3efault or Foreclosure on the loan per9asel 111 definition
Whether thereforeclosure ondefinition. 1f noTaxonomy for
eason for 3efault 9asel 11 definition-
sing 9asel 11
9an$ruptcy 5 1nFailure to +ay 9reach of Term7ther
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AS1,. 7ptional 3ynamic eal Estate Sale +rice 2umeric
AS1,/ 7ptional 3ynamic 2umeric
AS1, 7ptional 3ynamic 3ate of End of Wor$4out 3ate
AS1, 7ptional 3ynamic Foreclosure %ost 2umeric
The sale pricesame currency
Total +roceeds f rom 7ther %ollateral or0uarantees
The total procor guaranteesthe same curr
loan. 1f no datafor inputs.
3ate on whichfinished. 1f no Taxonomy for
The cost of thedata a8ailable
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ECB "oan "e#el Data - Reportin$ TeAmortisation
&iel' num%er riorit( TA) &iel' *ame
AS, Mandatory Static 6oan 1dentifier
AS1.0 Mandatory 3ynamic 7utstanding 9alance +eriod '
AS1.1 Mandatory 3ynamic
555 ... ... ...
Mandatory 3ynamic
Mandatory 3ynamic
555 ... ... ...
AS1, Mandatory 3ynamic
AS1,9 Mandatory 3ynamic
7utstanding 9alance +eriod '3ate
AS61.2-1,/7 8e#ennum%ers
7utstanding 9alance +eriod L&4=
AS61.,-1,7 8o''num%ers
7utstanding 9alance +eriod L&4= 3ate
7utstanding 9alance +eriod#??
7utstanding 9alance +eriod#?? 3ate
*ote: T4e epectation is to pro#i'e amortisation out to maturit( o! t4e loan 8ma no5 o! pt4en pro#i'e 0 in su%sequent !iel's5
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plate !or SME - Decem%er 2011Profile
Data T(pe &iel' De!inition + Criteria
Text52umeric niue identifier for each loan
2umeric
)mortisation +rofile with ?I prepayments
3ate3ate associated with +eriod ' 9alance
... ...
2umeric)mortisation +rofile with ?I prepayments
3ate3ate associated with +eriod L&4= 9alance
... ...
2umeric)mortisation +rofile with ?I prepayments
3ate 3ate associated with +eriod #?? 9alance
erio's assume' to %e .0 (ears ;it4 mont4l( amortisation5 3! s4orter maturit(
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ECB "oan "e#el Data - Reportin$ T
Note# This tab is to be completed for each p
&iel' num%er riorit( TA) &iel' *ame
Collateral
CS1 Mandatory Static %ollateral 13
CS2 Mandatory Static 6oan 1dentifier
CS, Mandatory Static Security Type
CS 7ptional 3ynamic
CS. 7ptional 3ynamic %ollateralisation atio
CS/ Mandatory Static
CS 7ptional Static Finished +roperty;
CS 7ptional Static 6icensed +roperty;
%ollateral 8alue
%ollateral Type
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CS9 7ptional Static )sset 1nsurance
CS10 Mandatory Static
CS11 Mandatory Static 7riginal Jaluation 3ate
CS12 Mandatory 3ynamic %urrent Jaluation 3ate
CS1, Mandatory Static 7riginal Jaluation Type
CS1 Mandatory 3ynamic an$ing
CS1. 7ptional 3ynamic +rior 9alances
CS1/ Mandatory Static +roperty +ostcode
CS1 7ptional Static 0eographic egion
CS1 7ptional 3ynamic
CS19 7ptional 3ynamic
7riginal Jaluation)mount
nconditional +ersonal0uarantee )mount
nconditional%orporate 5Third +arty
0uarantee )mount
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CS20 7ptional Static
CS21 7ptional 3ynamic
CS22 7ptional 3ynamic
CS2, Mandatory Static
CS2 Mandatory Static %olleteral %urrency
CS2. 7ptional Static
CS2/ 7ptional Static
CS2 7ptional Static +rior 9alance %urrency
CS2 !lan"
%orporate 0uarantor1dentifier
%orporate 0uarantor
9an$ 1nternal ' >ear+robability 3efault
%orporate 0uarantor6ast 1nternal ating
e8iew
7rigination %hannel 5)rranging 9an$ or
3i8ision
+ersonal 0uarantee%urrency
%orporate 0uarantee%urrency
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mplate !or SME - Decem%er 2011 /iece of collateral rele$ant to a gi$en loan
Data T(pe &iel' De!inition + Criteria
Textniue collateral code for the originating entity
Text52umeric
6ist
2umeric
2umeric
6ist
> 5 2
> 5 2
niue loan identifier associated with the collateral.These should match the identifiers from field )S!
1s there a Fixed or Floating charge o8er the assets;Fixed %harge '-Floating %harge &-2o %harge !-7ther
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> 5 2
2umeric
3ate
3ate
6ist
Text
2umeric
Text
6ist
2umeric
nconditional +ersonal 0uarantee )mount
2umeric
3oes asset ha8e insurance; 1f no data a8ailable referto Taxonomy for inputs.
+roperty 8alue as of date of latest loan ad8ance priorto a securitisation
3ate of latest property 8aluation at time of latest loanad8ance prior to a securitisation. 1f no data a8ailablerefer to Taxonomy for inputs.
This should be the date of the most recent 8aluation%S
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Text52umeric
2umeric
3ate
6ist
6ist
6ist
6ist
6ist
niue identifier for guarantor to flag which entity isguaranteeing the loan. 1f no data a8ailable refer toTaxonomy for inputs.
%orporate 0uarantor 9an$ 1nternal ' >ear +robability3efault
3ate of %orporate 0uarantor 6ast 1nternal atinge8iew. 1f no data a8ailable refer to Taxonomy forinputs.
7ffice networ$ '-9ro$er &-1nternet !-7ther
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0ermany France 1taly Spain The 2etherlands )ustria
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9elgium 9ulgaria %yprus %ech republi 3enmar$ Estonia Finland
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0reece Dungary 1reland 6at8ia 6ithuania 6uxembourg Malta
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2orway +oland +ortugal omania Slo8a$ia Slo8enia Sweden
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ECB "oan "e#el Data - Reportin
&iel' *o riorit( TA) &iel' *ame Data T(pe
SME &iel's at Securit( or Bon' "e#el Data
BS1 Mandatory 3ynamic eport 3ate 3ate
BS2 Mandatory Static 1ssuer Text
BS, 7ptional 3ynamic Ending eser8e )ccount 9alance 2umeric
BS 7ptional 3ynamic Target eser8e )ccount 9alance 2umeric
BS. Mandatory 3ynamic 3rawings under 6iuidity Facility > 5 2
BS/ 7ptional 3ynamic 6ist
BS !lan"
BS !lan"
BS9 !lan"
BS10 !lan"
SME &iel's at Collateral "e#el Data
BS11 7ptional 3ynamic Excess Spread )mount 2umeric
BS12 Mandatory 3ynamic Trigger Measurements5atios > 5 2
BS1, Mandatory 3ynamic 2umeric
BS1 !lan"
BS1. !lan"
BS1/ !lan"
BS1 !lan"
BS1 !lan"SME &iel's !or Transaction Report Contact 3n!ormation
%urrency of eser8e )ccount9alance
)8erage %onstant +re4paymentate
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BS19 Mandatory Static +oint %ontact Text
BS20 Mandatory Static %ontact 1nformation Text
BS21 !lan"
BS22 !lan"
BS2, !lan"
BS2 !lan"
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$ Template !or SME - Decem%er 2011
&iel' De!inition + Criteria
The date on which the transaction report was issued. )ll dates ta$e >>>>4MM433 format
2ame of issuer and issue series, if applicable
The balance of funds on deposit in the reser8e account at the )ccrual End 3ate
%urrency of eser8e )ccount 9S! B 9S
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2ame of the department or the point persons- of the information sources
Telephone number B e4mail address
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ECB "oan "e#el Data - Reporti
&iel' *o riorit( TA) &iel' *ame Data T(pe
SME &iel's at Tranc4e "e#el
BS2. Mandatory Static 9ond %lass 2ame Text 5 2umeric
BS2/ Mandatory Static Text 5 2umeric
BS2 Mandatory 3ynamic 1nterest +ayment 3ate 3ate
BS2 Mandatory 3ynamic +rincipal +ayment 3ate 3ate
BS29 Mandatory Static 9ond %urrency Text
BS,0 7ptional Static 7riginal +rincipal 9alance 2umeric
BS,1 7ptional 3ynamic 2umeric
BS,2 Mandatory Static eference ate 6ist
BS,, 7ptional 3ynamic ele8ant Margin 2umeric
BS, 7ptional 3ynamic %oupon eference ate 2umeric
BS,. 7ptional 3ynamic %urrent %oupon 2umeric
BS,/ 7ptional 3ynamic %umulati8e 1nterest Shortfall 2umeric
BS, 7ptional 3ynamic %umulati8e +rincipal Shortfalls 2umeric
BS, Mandatory Static 6egal Maturity 3ate
BS,9 Mandatory Static 9ond 1ssue 3ate 3ate
1nternational Securities 1dentification2umber
Total Ending 9alance Subseuent to+ayment
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$ Template !or SME - Decem%er 2011
&iel' De!inition + Criteria
The 7riginal +rincipal 9alance of a specific tranche of SME at issuance
The par, or notional, balance of a specific tranche of SME after the current +rincipal +ayment 3ate
The cumulati8e amount of +rincipal Shortfall as at the end of the current )ccrual +eriod I-
The date before which a specific tranche of SME must be repaid in order not to be in default
3ate the bonds were issued
The designation typically a letter and5or number- gi8en to a tranche of 9onds which exhibit the
same rights, priorities and characteristics as defined in the prospectus i.e. Series ', %lass )' etc.
The security identification code assigned to each class of SME pursuant to standards establishedby the 1nternational Standards 7rganisation 1S12- or other uniue securities code established byan exchange or other entity
The periodic date on which the last payment of interest to holders of a specific tranche of SME isscheduled to occur
The last periodic date on which a payment of principal to holders of a specific tranche of SME isscheduled to occur
9ond denomination.See Taxonomy for full list of %urrencies
The base reference interest index as defined in the offering document e.g. ! month E197-applicable to a specific tranche of SME' month 6197 '-' month E197 &-! month 6197 !-! month E197
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Value
'
&
!
>>>4MM
2ot rele8ant at the present time
2ot applicable for the (uristiction see table in C)ssetsC and C%ollateralC sheets-
Where 23 2o 3ata- is entered in the loan le8el template, it should also be accompanied by one of the six predefinedreasons below. The reason code must be entered in the original field and delimited with commas as per the examplesbelow. Fields should not be left blan$.
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Eample
23,'
23,&
23,!
23,>>>4MM
23,=
23,#