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pdfFR Y-14Q: International Other Consumer Schedule Instructions
FR Y-14Q: International Other Consumer Schedule Instructions
In this schedule, reporting bank holding companies (BHCs) should include all international loans reported in lines 6.b
and 6.d of the FR Y-9C excluding student loans and non-purpose securities based loans, AND should include all
international non-auto leases included in line 10.a of the FR Y-9C.
For the first reporting period (September 2011), the request is for monthly portfolio-level data for a number of
International Other Consumer Portfolio segments from January 2007 to the first reporting period. For subsequent
periods, the reporting BHC is only required to report data for the months within the reporting period.
The requested segmentations are presented in table A of these instructions. The reporting BHC is requested to
segment its international other consumer portfolio by product type, delinquency status, original FICO or equivalent,
current line size/loan amount, original loan-to-value ratio, and geography. More information on each of these
segmentations can be found in section A of these instructions. Start each row of data with your BHC name (SAS
Variable: BHC_NAME), your RSSD ID number (SAS Variable: RSSD_ID), the reporting month (SAS Variable:
REPORTING_MONTH), and Portfolio ID (SAS Variable: PORTFOLIO_ID) (use IntlOthCons for portfolio ID for this
schedule).
Table B lists the variables that are to be reported for each portfolio segment. Definitions for each of these variables
can be found in section B of these instructions. Provide all dollar unit data in millions of dollars ($ Millions).
The OTHERCON_INTL Example Raw File Exhibit provides an example of the dataset to be submitted. Columns D to K
of this worksheet indicate the specific reported segments while the remaining columns contain the requested
summary variables. Rows 3 through 60 are for the following specific segment: secured revolving loans, 29 or fewer
days past due, with an original FICO of <=620, a loan size of <=$3,000, an original loan-to-value ratio less than or
equal to 70 percent or N/A, and located in Canada. A new segment starts in row 61. This segment has the same
characteristics as the prior segment except that it is located in EMEA. There are five product type segments, five
delinquency status segments, three original FICO or equivalent segments, two loan size/loan amount segments, two
original loan-to-value segments, and four geography segments. This results in a maximum sized dataset with 1,200
rows of data per reporting month (5 x 5 x 3 x 2 x 2 x 4 = 1,200). Use the SAS variable name and SAS data types
provided in table A. Submit all data files in SAS format (version 7 or higher) only. Include in the submission all
segments that are not applicable (e.g., there are no loans or accounts in those segments) such that the dataset
always has 1,200 rows of data per reporting month. For the summary variables, assign a SAS Missing Value (".") if
information is not applicable or not available.
Reporting BHCs should provide a segment ID for each reported segment. This segment ID should be a unique twelve
digit identifier where each pair of the twelve digits refers to a specific classification for each of the six segmentation
categories. Refer to table A below for the attribute codes for the six segment categories. For example, in the
OTHERCON_INTL Example Raw File Exhibit, the first segment listed has the segment ID 010101010101 because each
of the attributes for this segment is in the primary position of the attributes list in table A. Starting with row 61, the
second example segment has the segment ID 010101010102 because all of the attributes are the same as the prior
segment except that geography is “EMEA”, which is listed in the second position of the attributes list in table A. Do
not drop leading zeros.
-1-
FR Y-14Q: International Other Consumer Schedule Instructions
For the requested summary variables, do not include charge-offs and recoveries in the calculation of dollars or
number of accounts for a given reporting month. The only exception to this rule is for the field $ net contractual
charge-offs. For this variable, report the dollar amount of charge-offs or recoveries only in the month that they
occurred. For the delinquency status segmentation, categorize charge-offs or recoveries by delinquency status at
charge-off. A summation of charge-offs or recoveries across the delinquency buckets for a given month should thus
result in the total charge-offs or recoveries recorded by the reporting institution in that reporting month.
A. Segmentation Variables
For each of the summary variables (to be described in further detail in section B), information should be
reported for the following segments:
1. Product Type – Reporting BHCs should segment the portfolio into the following five product types
based on the various features of the credit:
a) Secured-Revolving
b)
c)
d)
e)
Secured-Installment
Unsecured-Revolving
Unsecured-Installment
Overdraft
2. Delinquency Status – Reporting BHCs should segment the portfolio into the following five
delinquency statuses:
a) Current and 1-29 DPD: Accounts that are not past due (accruing and non-accruing) as of
month-end and accounts that are 1 to 29 days past due (accruing and non-accruing) as of
month-end.
b) 30-59 DPD: Accounts that are 30 to 59 days past due (accruing and non-accruing) as of
month-end.
c) 60-89 DPD: Accounts that are 60 to 89 days past due (accruing and non-accruing) as of
month-end.
d) 90-119 DPD: Accounts that are 90 to 119 days past due (accruing and non-accruing) as of
month-end.
e) 120+ DPD: Accounts that are 120 days or more past due (accruing and non-accruing) as
of month-end.
3. Original FICO or Equivalent – Segment the portfolio by original FICO score or equivalent. Original
FICO score or equivalent should be the score upon which the original underwriting decision was
based. If the bank does NOT have original FICO scores, map the internal score or other bureau score
used to the equivalent FICO score.
a) <= 620
b) > 620
c) N/A— Original FICO or equivalent score is missing or unknown
-2-
FR Y-14Q: International Other Consumer Schedule Instructions
4. Line Size/Loan Amount – Reporting BHCs should segment the portfolio into the following two credit
line or current loan amount segments. If necessary, round up any dollar values to the next integer
(e.g., $3,000.01 - $3,000.99 to $3,001).
a) < =$3,000
b) >$3,000
5. Original Loan-to-Value Ratio– The original combined loan-to-value ratio is the original amount of the
loan or line, in addition to any senior liens, divided by the collateral value at the time of origination.
For loans where the loan-to-value ratio is not applicable, include the lowest ratio for a segment
identifier. Segment the portfolio as follows:
a) <= 70 or not applicable
b) > 70
6. Geography –Segment the portfolio into the following four geographical area designations. The
borrower’s current place of residency should be used to define the region.
a) Canada
b) EMEA—Europe, Middle East, and Africa
c) LATAM—Latin America and Caribbean
d) APAC—Asia Pacific
B. Summary Variables
For each of the segments described above and for each reference month, report information on the
following summary variables:
1. # Accounts – Total number of accounts on the book for the segment being reported as of monthend.
2. $ Outstandings – The total unpaid principal balance for accounts on the book for the segment being
reported as of month-end.
3. $ Net Charge-offs – The total unpaid principal balance for the segment being reported that was
charged-off in the reference month, net of any recoveries in the reference month. Generally, $ Net
Charge-offs should equal [$ Gross Contractual Charge-offs + $ Bankruptcy Charge-offs — $
Recoveries].
4. # New Accounts – The total number of new accounts originated in the given month for the segment
being reported as of month-end.
5. $ New Commitments – The total dollar amount of new commitments on accounts originated in the
given month for the segment being reported as of month-end. If unknown for some accounts due to
acquisition or merger, report the credit line at acquisition.
-3-
FR Y‐14Q: International Other Consumer Schedule Segmentation and Variables
Instructions: Please see document titled "FR Y14Q: International Other Consumer Schedule Instructions" for guidance.
Table A
Definition
Reference
Report Instruction A ‐ 1
Report Instruction A ‐ 2
Report Instruction A ‐ 3
Report Instruction A ‐ 4
Report Instruction A ‐ 5
Report Instruction A ‐ 6
Segments
Product Type
Delinquency Status
Original FICO or Equivalent
Line Size / Loan Amount
Original Loan‐to‐Value
Geography
PRODUCT_TYPE
DLQ_STATUS
ORIG_FICO
LINE_LOAN_SIZE
ORIG_LTV
GEOGRAPHY
Please provide all Dollar Unit data in $ Millions.
SAS
SAS
Segment ID
Data Types Format
Position
01
Character char(35)
1‐2
Secured‐Revolving
Character char(35)
3‐4
Current + 1‐29 DPD
Character char(35)
5‐6
<= 620
Character char(35)
7‐8
<=3,000
Character char(35)
9‐10
<=70 or not applicable
Character char(35)
11‐12
Canada
SAS Variable Names
N_ACCT
D_OS
D_NET_CO
N_NEW_ACCOUNTS
D_NEW_COMMITMENTS
SAS
Data Types
Numeric
Numeric
Numeric
Numeric
Numeric
SAS Variable Names
Attribute ID within Segment ID Positions
02
03
04
Secured‐Installment Unsecured‐Revolving Unsecured‐Installment
30‐59 DPD
90‐119 DPD
60‐89 DPD
> 620
N/A
>3,000
>70
LATAM
APAC
EMEA
Table B
Definition
Reference
Report Instruction B ‐ 1
Report Instruction B ‐ 2
Report Instruction B ‐ 3
Report Instruction B ‐ 4
Report Instruction B ‐ 5
Summary Variables
# Accounts
$ Outstandings
$ Net Charge‐offs
# New Accounts
$ New Commitments
SAS
Format
16.
16.6
16.6
16.
16.6
Regions
Region 1
Region 2
Region 3
Region 4
International Geographic Regions
Canada
EMEA‐‐Europe, Middle East, and Africa
LATAM‐‐Latin America and Caribbean
APAC‐‐Asia Pacific
05
Overdraft
120+ DPD
FR Y‐14Q: International Other Consumer Raw Data File
Business/Portfolio Identifier Data
Segment
BHC Name
BHC RSSD_ID #
Portfolio ID
Segment ID
Summary Variables
Product Type
Delinquency Status
Original FICO or Line Size/ Loan
equivalent
Amount
Original LTV
Reporting
Month
Geography
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Jan‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Feb‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Apr‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
May‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Jul‐07
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Aug‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Sep‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Oct‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Nov‐07
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Dec‐07
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Feb‐08
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Mar‐08
< = 70 or not appCanada
Apr‐08
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
May‐08
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Jul‐08
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Aug‐08
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Sep‐08
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Oct‐08
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Nov‐08
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Dec‐08
Jan‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Feb‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Mar‐09
< = 70 or not appCanada
Apr‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
May‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
Jun‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Jul‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Aug‐09
< = 620
<= 3,000
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
Sep‐09
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Oct‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Nov‐09
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Dec‐09
Jan‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Feb‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Mar‐10
< = 70 or not appCanada
Apr‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
May‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
Jun‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Jul‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Aug‐10
< = 620
<= 3,000
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
Sep‐10
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Oct‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Nov‐10
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Dec‐10
Jan‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Feb‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Mar‐11
< = 70 or not appCanada
Apr‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
May‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
Jun‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Jul‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Aug‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
Sep‐11
Oct‐11
ABC
7654321 IntlOthCons
010101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appCanada
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
Jan‐07
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
Feb‐07
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
Mar‐07
< = 70 or not appEMEA
Apr‐07
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
May‐07
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
Jun‐07
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
Jul‐07
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
Aug‐07
< = 620
<= 3,000
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
Sep‐07
< = 70 or not appEMEA
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not appEMEA
Oct‐07
ABC
7654321 IntlOthCons
010101010102
Secured‐Revolving
..
Current + 1‐29 DPD
..
< = 620
<= 3,000
..
< = 70 or not appEMEA
..
Nov‐07
..
$ New Commitment
Jun‐08
ABC
ABC
ABC
# New Accounts
Jan‐08
ABC
ABC
010101010101
$ Net Charge‐offs
Jun‐07
ABC
7654321 IntlOthCons
$ Outstanding
Mar‐07
ABC
ABC
# Accounts
..
..
..
..
..
..
| File Type | application/pdf |
| File Modified | 2011-11-18 |
| File Created | 2011-11-18 |