FR Y-14Q Retail Credit Card International

FR Y-14Q: Instructions for International Card Schedule
FR Y-14Q: Instructions for International Card Schedule
This document provides general guidance, data definitions and instructions for the International Card Schedule. This
schedule applies to international (not US or US territories) consumer card loans reported on line 6.a of schedule HC-C
of the FR Y-9C and international corporate and SME credit card loans included on line 4.b of schedule HC-C of the FR
Y-9C. For US bank and charge cards and SME and corporate cards, reference the separate instructions and schedules.
For the first reporting period (e.g., September 2011), the bank holding company should report monthly portfoliolevel data for the international credit card portfolio by segments from January 2007 to the first reporting period. For
subsequent periods, the reporting BHC is required to report data for the months within the reporting period. The
required segmentations are presented in Table A found below. More information on each of these segmentations
can be found in Section A. Start each row of data with your BHC name (Variable name: BHC_NAME), your RSSD ID
number (Variable name: RSSD_ID), the reporting month (Variable name: REPORTING_MONTH), and Portfolio ID
(Variable name: PORTFOLIO_ID) (use IntCard for portfolio ID within this schedule).
Table B below lists the summary variables that are to be reported for each portfolio segment. Definitions for each of
these variables can be found in Section B. Provide all dollar unit data in millions of dollars ($ Millions).
Use the variable names and formats provided in table A. Detailed instructions on how to submit the data will be
provided separately. Include in the submission all segments that are not applicable (e.g., there are no loans or
accounts in those segments).
Reporting BHCs should provide a segment ID for each reported segment. This segment ID should be a unique ten digit
identifier where each pair of the ten digits refers to a specific classification for each of the five segmentation
categories. Refer to table A for the attribute codes for the five segment categories. Do not drop leading zeros.
For the requested segment-level 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 exceptions to this rule are the following
summary variables: $ gross contractual charge-offs, $ bankruptcy charge-offs, $ recoveries and $ net charge-offs. For
these three variables, report the dollar amount of charge-offs or recoveries only for the month that they occurred.
For the delinquency status segmentation, categorize charge-offs or recoveries by the delinquency status at chargeoff. A summation of charge-offs or recoveries across the delinquency buckets for a given reporting month should
thus result in the total charge-offs or recoveries recorded by the institution in that 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 – Segment the portfolio into the following two product types:
a) Bank Card - Bank cards are regular general purpose credit cards that can be used at a
wide variety of merchants, including any who accept MasterCard, Visa, American Express
or Discover credit cards. Include affinity and co-brand cards in this category, and student
cards if applicable. This product type also includes private label or propriety credit cards,
which are tied to the retailer issuing the card and can only be used in that retailer’s
stores. Include oil & gas cards in this loan type, and student cards if applicable.
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FR Y-14Q: Instructions for International Card Schedule
b) Charge Card—Charge cards are consumer credit cards for which the balance is repaid in
full each billing cycle.
c) Other— All other international card products.
2. Age – Age refers to the amount of time that has elapsed since the account was originated. There are
two possible ages to report:
a) <= Two years old
b) > Two years old
3. Geography – Segment the portfolio into the following four geographical area designations. The
primary borrower’s current place of residency should be used to define the region.
a) Region 1: Canada
b) Region 2: EMEA — Europe, Middle East, and Africa
c) Region 3: LATAM — Latin America and Caribbean
d) Region 4: APAC — Asia Pacific
4. Delinquency Status – 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 or more days past due (accruing and non-accruing) as
of month-end.
5. Original FICO or equivalent –Segment the portfolio by original FICO score or equivalent. Original
FICO 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. Segment the portfolio into the following three categories:
a) <= 620
b) > 620
c) N/A – Original FICO or equivalent score is missing or unknown
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 as of month-end.
2. $ Receivables – Total receivables for accounts on the book for the segment as of month-end.
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FR Y-14Q: Instructions for International Card Schedule
3. $ Unpaid principal balance – Total Unpaid Principal Balance (UPB) on the book for the segment as of
month-end. Unlike receivables, total UPB should be net of any interest and fees owed by the
borrower.
4. $ Commitments – The total dollar amount of credit lines on the book for the segment as of monthend. The internal automated limit (shadow limit) should be used when there is no contractual limit.
5. # New accounts – The total number of new accounts originated (or purchased) in the given month
for the segment as of month-end.
6. $ New commitments – The total dollar amount of new commitments on accounts originated (or
purchased) in the given month for the segment as of month-end. If unknown for some accounts due
to an acquisition or a merger, report the credit line at acquisition.
7. $ Gross contractual charge-offs – The total UPB for the segment that were contractually charged off
as of month-end. Report principal charge-offs only, not interest and fees. For the delinquency status
segmentation, categorize charge-offs by delinquency status at charge-off. Do not include bankruptcy
charge-offs in this calculation.
8. $ Bankruptcy charge-offs – The total UPB for the segment that was charged off due to bankruptcy as
of month-end. Report principal charge-offs only, not interest and fees. For the delinquency status
segmentation, categorize charge-offs by delinquency status at charge-off.
9. $ Recoveries – The total dollar amount of any balance recovery collected during the month from
previously charged-off accounts for the segment as of month-end. For the delinquency status
segmentation, categorize recoveries by delinquency status at charge-off. Report recoveries as a
positive number.
10. # Accounts charged-off – The total number of accounts which experienced a charge-off (contractual
or bankruptcy) in the reference month. For the delinquency status segmentation, categorize chargeoffs by delinquency status at charge-off.
11. $ Net charge-offs – The total UPB for the segment that was charged-off in the reference month, net
of any recoveries in the reference month. Report principal charge-offs only, not interest and fees.
Generally, $ Net Charge-offs should equal [$ Gross Contractual Charge-offs + $ Bankruptcy Chargeoffs — $ Recoveries].
12. Adjustment factor to reconcile $ gross contractual charge-offs to $ net charge-offs – If it is not the
case that $ Net Charge-offs equals [$ Gross Contractual Charge-offs + $ Bankruptcy Charge-offs — $
Recoveries], provide the value of $ Net Charge-offs minus [$ Gross Contractual Charge-offs + $
Bankruptcy Charge-offs — $ Recoveries] in this variable, and separately provide an explanation for
the difference. In a separate document included in the submission, provide an explanation for such a
difference (for example, fraud losses are also included in the reporting BHC’s $ Net Charge-offs
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FR Y-14Q: Instructions for International Card Schedule
variable). If the adjustment factor variable represents more than one factor leading to the
difference, provide a separate breakout of the multiple factors.
13. $ O/S for accounts that were 30+ DPD in last 24 months – The total receivables for the segment as
of month-end that was 30 or more days past due at any given time in the past 24 months ending in
the reference month. Exclude charged-off accounts when making this calculation.
14. # Accounts that were 30+ DPD in last 24 months – The total number of accounts for the segment as
of month-end that were 30 or more days past due at any given time in the past 24 months ending in
the reference month. Exclude charged-off accounts when making this calculation.

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FR Y-14Q: Instructions for International Card Schedule
FR Y-14 Q: International Credit Card Schedule
Table A
Definition
Reference
Report Instruction A - 1
Report Instruction A - 2
Report Instruction A - 3
Report Instruction A - 4
Report Instruction A - 5

Segments
Product Type
Age
Geography
Delinquency Status
Original FICO or Equivalent

PRODUCT_TYPE
AGE
GEOGRAPHY
DLQ_STATUS
ORIG_FICO

Please provide all Dollar Unit data in $ Millions.
Segment ID
Position
Data Types Format
Attribute ID within Segment ID Positions
01
02
03
04
05
Character char(35)
1-2
Bank Card
Charge Card
Other
Character char(35)
3-4
<= Two years old
> Two years old
Character char(35)
5-6
Region 1
Region 2
Region 3
Region 4
Character char(35)
7-8
Current + 1 - 29 DPD
30 - 59 DPD
60 - 89 DPD 90 - 119 DPD 120+ DPD
Character char(35)
9 - 10
<= 620
> 620
N/A

Variable Name
N_ACCT
D_RECEIVABLES
D_UNPD_PRIN_BALA
D_COMMITMENTS
N_NEW_ACCOUNTS
D_NEW_COMMITMENTS
D_GROSS_CONTRACTUAL_CO
D_BANKRUPTCY_CO
D_RECOVERIES
N_ACCT_CO
D_NET_CO

Data Types
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric

Format
16.
16.6
16.6
16.6
16.
16.6
16.6
16.6
16.6
16.
16.6

D_ADJ_NET_CO
D_OS_ACCT_GE30_DPD_24M
N_ACCTS_GE30_DPD_24M

Numeric
Numeric
Numeric

16.6
16.6
16.

Variable Name

Table B
Definition
Reference
Report Instruction B - 1
Report Instruction B - 2
Report Instruction B - 3
Report Instruction B - 4
Report Instruction B - 5
Report Instruction B - 6
Report Instruction B - 7
Report Instruction B - 8
Report Instruction B - 9
Report Instruction B - 10
Report Instruction B - 11
Report Instruction B - 12
Report Instruction B - 13
Report Instruction B - 14

Summary Variables
# Accounts
$ Receivables
$ Unpaid Principal Balance
$ Commitments
# New Accounts
$ New Commitments
$ Gross Contractual Charge-offs
$ Bankruptcy Charge-offs
$ Recoveries
# Accounts Charged-off
$ Net Charge-offs
Adjustment Factor to Reconcile $ Gross
Contractual Charge-off to $ Net Charge-offs
$ O/S for Accounts That Were 30+ DPD in Last 24 Months
# Accounts That Were 30+ DPD in Last 24 Months

International Geographic Regions
Region 1
Canada
Region 2
EMEA -- Europe, Middle East, and Africa
Region 3
LATAM -- Latin America and Caribbean
Region 4
APAC -- Asia Pacific

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