FR Y-14Q Retail Other Consumer International

FR 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 (e.g. 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. 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 (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 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).
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 below for the attribute codes for the five segment categories. Do not drop leading zeros.
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
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FR Y-14Q: International Other Consumer Schedule Instructions
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
4. 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
5. 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.
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FR Y-14Q: International Other Consumer Schedule Instructions

3. $ Gross contractual charge-offs – The total unpaid principal balance for the segment that was
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 the delinquency status at
charge-off. Do not include bankruptcy charge-offs in this variable.
4. $ Bankruptcy charge-offs – The total unpaid principal balance 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 the delinquency status at charge-off.
5. $ Recoveries – The total dollar amount of any balance recovery collected during the month from
previously charged-off amounts for the segment as of month-end. For the delinquency status
segmentation, categorize recoveries by the delinquency status at charge-off. Report recoveries as a
positive number.
6. $ 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].
7. # New Accounts – The total number of new accounts originated in the given month for the segment
being reported as of month-end.
8. $ 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.

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FR Y-14Q: International Other Consumer Schedule Instructions

FR Y-14Q: International Other Consumer Schedule Segmentation and Variables

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
Delinquency Status
Original FICO or Equivalent
Original Loan-to-Value
Geography

PRODUCT_TYPE
DLQ_STATUS
ORIG_FICO
ORIG_LTV
GEOGRAPHY

Please provide all Dollar Unit data in $ Millions.
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
<=70 or not applicable
Character char(35)
9-10
Region 1

Variable Names
N_ACCT
D_OS
D_GCO
D_BKCO
D_RECOVERIES
D_NET_CO
N_NEW_ACCOUNTS
D_NEW_COMMITMENTS

Data Types
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric
Numeric

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
>70
Region 2
Region 3
Region 4

05
Overdraft
120+ DPD

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

Summary Variables
# Accounts
$ Outstandings
$ Gross contractual charge-offs
$ Bankruptcy charge-offs
$ Recoveries
$ Net Charge-offs
# New Accounts
$ New Commitments

Format
16.
16.6
16.6
16.6
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

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