Instruction on Registry of Bank Account Holders

Transcription

1 In accordance with article 36, paragraph 1 and subparagraph 1.17, and article 65, paragraph 1 and 2 of Law No. 03/L-209 for Central Bank of the Republic of Kosova, article 8, paragraph 1, and 2, subparagraph 2.3 of Law Nr. 04/L-155 on payment system as well as article 4, paragraph 2 of the regulation on registry of bank account holders, the Executive Board of Central Bank of the Republic of Kosovo, in the meeting held on 23 December 2013, approved this: Instruction on Registry of Bank Account Holders Article 1 Purpose The purpose of this instruction is setting the rules, terms and standards that shall be used as a reference for all commercial banks, which are obliged to report to the Registry of Bank Account Holders. Article 2 Terms and Definitions 1. Terms and Definitions outlined in this instruction are in accordance with Regulation on Registry of Bank Account Holders, and have the following meaning: 1.1. CBK means Central Bank of the Republic of Kosovo RBAH means Registry of Bank Account Holders Regulation of RBAH means Regulation on Registry of Bank Account Holders EICS means Electronic Interbank Clearing System DPS means Department of Payment System DIT means Department of Information Technology 1.7. KJC means Kosovo Judicial Council 1.8. Bank account holder means the natural or legal person who has opened a bank account in the respective bank Data subject means the person for whom information on bank account/accounts were collected Provider of accounts records means the financial institution licensed as Commercial Bank by CBK XML (Extensible Mark-up Language) means the mode of coding the records in the documents. Article 3 Reported information in RBAH

2 1. Reporting of bank accounts information is mandatory for all commercial banks that are licensed by Central Bank of the Republic of Kosovo. 2. Participants in the RBAH system are commercial banks (records providers), and other institutions determined by the RBAH s Regulation. 3. Data subjects (clients) in this system shall be identified based on their ID number for natural person, and based on the business registration number for legal person. 4. Beside the identification number, other additional information by which the bank account holder is identified are: Name, Surname and bank account. This information should be available for all entities. 5. Hereinafter are presented the information that are held in the RBAH s system, and that are interlinked with bank accounts as well as bank accounts holders: 5.1. Bank account: ID Account ID_ Status Description of status Updating date Personal Nr. ID_ Currency ID_ Institution 5.2. Customer information Personal Nr/Business Nr. Name Surname Gender Address Category ID_ State (Citizenship) 6. Each account reported by the providers of records must contain one of the accounts status as defined in the following: 6.1. Active account the account is active when it is used on regular basis by the account holder (customer) Blocked account the account is blocked by state institutions order according to legal provisions in force Inactive account the account is inactive if it remains non-functional by its holder for a certain period of time Frozen account - may be as a result of a number of different legal acts-decisions. An account may be frozen if it includes unpaid liabilities such as taxes, guaranties, credits etc Closed account each account that is closed by the customer, or by an authorized person, in case of customer s death, it is considered as closed account. Article 4 Supporting infrastructure and access to RBAH s system 1. RBAH's system is installed on separate hardware and software platform, and network infrastructure. 2. Participants should determine the location from which they will access the RBAH s system. 3. Access to RBAH s system for participants is provided based on web technology platform with security set of elements.

3 4. In case of network infrastructure failure, backup forms of communication are: 5. Record providers (banks) may send their records at CBK as excel files. 6. KJC or other institutions as determined by RBAH s regulation, may obtain necessary records by USB or as hard copies. 7. Personal Computers (PC) shall be provide by participants with necessary configurations as well as there will be adjusted the net configuration for access. 8. Minimal PC configuration for usage and access in EICS are: 1.1 Operating System Windows XP, 1.2 Microsoft Office 2003, Adobe Reader Internet Explorer (IE 6.0 or newer), Enable Active X controls, Web Application in Trusted Side Article 5 Operational analysis on functioning of the RBAH s system 1. Security level for access to RBAH s system is determined by user profiles, as: 1.1. Users with administrator rights. Officials from the Department of Payment System at CBK belong to this profile of users, and have the following rights: Opening and updating the users in the system, for opening and updating of users in the system, applicants must send a request to DPS/CBK electronically to the address: [email protected] Generating reports from the system in order to monitor the reporting by banks, as well as the extraction and analysis of statistics on bank accounts in Kosovo Extraction of reports for customers bank accounts. These reports shall be provided in compliance with RBAH regulation Designated users for executing reports Users of this profile are users from KJC, institutions and entities envisaged by the Law on Execution Procedure Users of this profile are enabled the extraction and printing of the bank account holders information. As a main parameter for filtering the information on customer accounts, for natural persons is used the personal number, and for legal person is used the business number Users for uploading and updating of statements (banks) To this profile belong users from commercial banks which conduct the reporting of bank accounts into the RBAH s system. This reporting is done by using the menu of file uploads. 2. The process flow scheme during records registration in the system 2.1. Records from the banking system are exported to XML, files with described standard in article 6 File structure for reporting 2.2. Based on XML scheme, the RBAH s system validates the data during the process of uploading files In RBAH, records from files are saved in a specific table called as temporary table with file s details Each customer in the system is identified by the personal number (for natural person) or by business number (for legal person), however, each bank account is unique based on these attributes: account, the institution where the bank account is opened and the currency On the following scheme, the validation process of XML files is described in details in order to register and update records in the system.

4 The process of registration/update of records in the system START Data registration from files based in the database Data are initially entered in a temporary table. Customer does not exist Registration of customer Customer control Customer exists Account control Account exists Account does not exist Registration of account in the system Account s status control There are changes Change the account s status There are no changes Register in the log as redundant information Report on registration-changes END

5 Article 6 The file structure for reporting 1. The XML scheme is used for reporting records in the RBAH system, whose fields define the requirements for integrity, control and managing of data. 2. The following table presents the essential fields for reporting. Field Type of data Length Description Name String 250 characters Customer s name (natural person) or business name (legal person) Surname String 250 characters Customer s surname (natural person) or acronym (legal person) Personal Nr. String 20 characters Personal number (natural person) or business number (legal person) Account String 16 characters Bank account Type of customer Integer Default values Customer type code; 1 (natural person), 2 (legal entity) Account s status Integer Default values Code of account s status, see relevant codes at fields codes Bank s code Integer Default values Bank s code. See relevant codes at fields codes Currency String Default values Currency Code. See relevant codes at the page CODES Customer s address String 250 characters Customer s address Gender String 2 characters Initials of the customer s gender. See relevant codes at fields codes Country of customer String Default values The country code of the customer. See relevant codes at fields codes Status description String Max characters Reason of account s status change from active account to another status. Date of opening/updating the account Date Time yyyy-mm-dd Thh:mm:ss The date when an account was opened or when it s status has changed, ex.: T09:25:12 3. The entire XML scheme, which is used for validation of records, is presented hereinafter.

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7 Article 7 Codes of predefined fields During the process of data reporting for some of the areas their codes are reported, and a list of codes for specific areas is presented below: Type of Client Code Description 1 Physical person 2 Legal person Status Code of Account Code Status 1 Active 2 Blocked 3 Passive 4 Frozen 5 Closed Bank code Code Bank 10 Banka Qendrore e Kosoves 11 ProCredit Bank 13 Banka per Biznes 14 Banka Ekonomike e Kosoves 15 Raiffeisen Bank Kosovo 16 Banka Kreditore e Prishtines 17 NLB Prishtina 18 Komercijalna Banka 19 Banka Kombetare Tregtare 20 TEB sh.a 21 IS Bankasi Article 8 Entry into force This Instruction comes into force on 1 January Bedri Hamza Chairman of the Executive Board