| layout | title |
|---|---|
| schema | account |
Account Schema
An Account represents a financial account that describes the funds that a customer has entrusted to a financial institution in the form of deposits or credit balances.
Properties
| Name | Description | Type | Enum |
|---|---|---|---|
| id | The unique identifier for the record within the firm. | string | - |
| date | The observation or value date for the data in this object. Formatted as YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. | string | - |
| acc_fv_change_before_taxes | Accumulated change in fair value before taxes. | integer | - |
| accounting_treatment | The accounting treatment in accordance with IAS/IFRS9 accounting principles. | string | amortised_cost, available_for_sale, cb_or_demand, fv_mandatorily, fv_oci, fv_thru_pnl, held_for_hedge, held_for_trading, held_to_maturity, loans_and_recs, ntnd_cost_based, ntnd_fv_equity, ntnd_fv_pl, other_gaap, trading_gaap, |
| accrued_interest | The accrued interest since the last payment date and due at the next payment date. Monetary type represented as a naturally positive integer number of cents/pence. | integer | - |
| arrears_balance | The balance of the capital amount that is considered to be in arrears (for overdrafts/credit cards). Monetary type represented as a naturally positive integer number of cents/pence. | integer | - |
| asset_liability | Is the data an asset, a liability, or equity on the firm’s balance sheet? | string | asset, equity, liability, pnl, |
| balance | The contractual balance on the date and in the currency given. Monetary type represented as a naturally positive integer number of cents/pence. | integer | - |
| base_rate | The base rate represents the basis of the rate on the balance at the given date as agreed in the terms of the account. | string | FDTR, UKBRBASE, ZERO, |
| behavioral_curve_id | The unique identifier for the behavioral curve used by the financial institution. | string | - |
| break_dates | Dates where this contract can be broken (by either party). Formatted as YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. | array | - |
| call_dates | Dates where this contract can be called (by the customer). Formatted as YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. | array | - |
| capital_tier | The capital tiers based on own funds requirements. | string | add_tier_1, anc_tier_2, anc_tier_3, at1_grandfathered, bas_tier_2, bas_tier_3, ce_tier_1, cet1_grandfathered, t2_grandfathered, tier_1, tier_2, tier_3, |
| ccf | The credit conversion factor that indicates the proportion of the undrawn amount that would be drawn down on default. | number | - |
| cost_center_code | The organizational unit or sub-unit to which costs/profits are booked. | string | - |
| count | Describes the number of accounts aggregated into a single row. | integer | - |
| country_code | Two-letter country code as defined according to ISO 3166-1 plus ISO allowed, user-assignable codes (AA, QM to QZ, XA to XZ, and ZZ). | string | AA, AD, AE, AE-AJ, AE-AZ, AE-DU, AE-FU, AE-RK, AE-SH, AE-UQ, AF, AG, AI, AL, AM, AO, AQ, AR, AS, AT, AU, AW, AX, AZ, BA, BB, BD, BE, BF, BG, BH, BI, BJ, BL, BM, BN, BO, BQ, BR, BS, BT, BV, BW, BY, BZ, CA, CA-AB, CA-BC, CA-MB, CA-NB, CA-NL, CA-NS, CA-NT, CA-NU, CA-ON, CA-PE, CA-QC, CA-SK, CA-YT, CC, CD, CF, CG, CH, CI, CK, CL, CM, CN, CO, CR, CU, CV, CW, CX, CY, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, EH, ER, ES, ET, FI, FJ, FK, FM, FO, FR, GA, GB, GD, GE, GF, GG, GH, GI, GL, GM, GN, GP, GQ, GR, GS, GT, GU, GW, GY, HK, HM, HN, HR, HT, HU, ID, IE, IL, IM, IN, IO, IQ, IR, IS, IT, JE, JM, JO, JP, KE, KG, KH, KI, KM, KN, KP, KR, KW, KY, KZ, LA, LB, LC, LI, LK, LR, LS, LT, LU, LV, LY, MA, MC, MD, ME, MF, MG, MH, MK, ML, MM, MN, MO, MP, MQ, MR, MS, MT, MU, MV, MW, MX, MY, MZ, NA, NC, NE, NF, NG, NI, NL, NO, NP, NR, NU, NZ, OM, PA, PE, PF, PG, PH, PK, PL, PM, PN, PR, PS, PT, PW, PY, QA, QM, QN, QO, QP, QQ, QR, QS, QT, QU, QV, QW, QX, QY, QZ, RE, RO, RS, RU, RW, SA, SB, SC, SD, SE, SG, SH, SI, SJ, SK, SL, SM, SN, SO, SR, SS, ST, SV, SX, SY, SZ, TC, TD, TF, TG, TH, TJ, TK, TL, TM, TN, TO, TR, TT, TV, TW, TZ, UA, UG, UM, US, UY, UZ, VA, VC, VE, VG, VI, VN, VU, WF, WS, XA, XB, XC, XD, XE, XF, XG, XH, XI, XJ, XK, XL, XM, XN, XO, XP, XQ, XR, XS, XT, XU, XV, XW, XX, XY, XZ, YE, YT, ZA, ZM, ZW, ZZ, |
| cr_approach | Specifies the approved credit risk rwa calculation approach to be applied to the exposure. | string | airb, eif_fb, eif_lt, eif_mba, firb, sec_erba, sec_sa, sec_sa_lt, std, |
| currency_code | Currency in accordance with ISO 4217 standards plus CNH for practical considerations. | string | AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BOV, BRL, BSD, BTN, BWP, BYN, BZD, CAD, CDF, CHE, CHF, CHW, CLF, CLP, CNH, CNY, COP, COU, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRU, MUR, MVR, MWK, MXN, MXV, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SRD, SSP, STN, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, USN, USS, UYI, UYU, UYW, UZS, VES, VND, VUV, WST, XAF, XAG, XAU, XBA, XBB, XBC, XBD, XCD, XDR, XOF, XPD, XPF, XPT, XSU, XTS, XUA, XXX, YER, ZAR, ZMW, |
| customer_id | The unique identifier used by the financial institution to identify the customer that owns the account. | string | - |
| day_count_convention | The methodology for calculating the number of days between two dates. It is used to calculate the amount of accrued interest or the present value. | string | act_360, act_365, act_act, std_30_360, std_30_365, |
| encumbrance_amount | The amount of the account that is encumbered by potential future commitments or legal liabilities. Monetary type represented as a naturally positive integer number of cents/pence. | integer | - |
| encumbrance_type | The type of the encumbrance causing the encumbrance_amount. | string | covered_bond, derivative, none, other, repo, |
| end_date | The end or maturity date of the account. Format should be YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601 | string | - |
| first_arrears_date | The first date on which this account was in arrears. | string | - |
| first_payment_date | The first payment date for interest payments. | string | - |
| forbearance_date | The date on which the first forbearance measure was granted to this product. Format should be YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601 | string | - |
| fvh_level | Fair value hierarchy category according to IFRS 13.93 (b) | integer | - |
| guarantee_amount | The amount of the account that is guaranteed under a Government Deposit Guarantee Scheme. Monetary type represented as a naturally positive integer number of cents/pence. | integer | - |
| guarantee_scheme | The Government Deposit Scheme scheme under which the guarantee_amount is guaranteed. | string | be_pf, bg_dif, ca_cdic, cy_dps, cz_dif, de_edb, de_edo, de_edw, dk_gdfi, ee_dgs, es_fgd, fi_dgf, fr_fdg, gb_fscs, gr_dgs, hk_dps, hr_di, hu_ndif, ie_dgs, it_fitd, lt_vi, lu_fgdl, lv_dgf, mt_dcs, nl_dgs, pl_bfg, pt_fgd, ro_fgdb, se_ndo, si_dgs, sk_dpf, us_fdic, |
| impairment_amount | The impairment amount is the allowance set aside by the firm that accounts for the event that the asset becomes impaired in the future. | integer | - |
| impairment_date | The date upon which the product became considered impaired. Format should be YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601 | string | - |
| impairment_status | The recognition stage for the impairment/expected credit loss of the product. | string | doubtful, in_litigation, loss, non_performing, normal, performing, pre_litigation, stage_1, stage_1_doubtful, stage_1_loss, stage_1_normal, stage_1_substandard, stage_1_watch, stage_2, stage_2_doubtful, stage_2_loss, stage_2_normal, stage_2_substandard, stage_2_watch, stage_3, stage_3_doubtful, stage_3_loss, stage_3_normal, stage_3_substandard, stage_3_watch, substandard, watch, |
| impairment_type | The loss event resulting in the impairment of the loan. | string | collective, individual, write_off, |
| insolvency_rank | The insolvency ranking as per the national legal framework of the reporting institution. | integer | - |
| interest_repayment_frequency | Repayment frequency of the interest. | string | daily, weekly, bi_weekly, monthly, bi_monthly, quarterly, semi_annually, annually, at_maturity, biennially, sesquiennially, |
| last_drawdown_date | The last date on which a drawdown was made on this account (overdraft). | string | - |
| last_payment_date | The final payment date for interest payments, often coincides with end_date. | string | - |
| ledger_code | The internal ledger code or line item name. | string | - |
| limit_amount | The minimum balance the customer can go overdrawn in their account. | integer | - |
| minimum_balance_eur | Indicates the minimum balance, in Euros, of each account within the aggregate. Monetary type represented as a naturally positive integer number of cents/pence. | integer | - |
| mtd_deposits | Month to date amount deposited within the account as a naturally positive integer number of cents/pence. | integer | - |
| mtd_interest_paid | Month to date interest added to account as a naturally positive integer number of cents/pence. | integer | - |
| mtd_withdrawals | Month to date amount withdrawn from the account as a naturally positive integer number of cents/pence. | integer | - |
| next_payment_date | The next date at which interest will be paid or accrued_interest balance returned to zero. | string | - |
| next_repricing_date | The date on which the interest rate of the account will be re-calculated. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. | string | - |
| next_withdrawal_date | The next date at which customer is allowed to withdraw money from this account. | string | - |
| on_balance_sheet | Is the account or deposit reported on the balance sheet of the financial institution? | boolean | - |
| prev_payment_date | The most recent previous date at which interest was paid or accrued_interest balance returned to zero. | string | - |
| product_name | The name of the product as given by the financial institution to be used for display and reference purposes. | string | - |
| purpose | The purpose for which the account was created or is being used. | string | adj_syn_inv_decon_subs, adj_syn_inv_own_shares, adj_syn_mtg_def_ins, adj_syn_nonsig_inv_fin, adj_syn_other_inv_fin, admin, annual_bonus_accruals, benefit_in_kind, capital_gain_tax, capital_reserve, cash_management, cf_hedge, cf_hedge_reclass, ci_service, clearing, collateral, commitments, computer_and_it_cost, computer_peripheral, computer_software, corporation_tax, credit_card_fee, critical_service, current_account_fee, custody, dealing_rev_deriv, dealing_rev_deriv_nse, dealing_rev_fx, dealing_rev_fx_nse, dealing_rev_ir, dealing_rev_sec, dealing_rev_sec_nse, dealing_revenue, ded_fut_prof, ded_fut_prof_temp_diff, defined_benefit, deposit, derivative_fee, dgs_contribution, div_from_cis, div_from_money_mkt, dividend, donation, employee, employee_stock_option, escrow, fees, fine, firm_operating_expenses, firm_operations, furniture, fut_prof, fut_prof_temp_diff, fx, general_credit_risk, goodwill, insurance_fee, int_on_bond_and_frn, int_on_bridging_loan, int_on_credit_card, int_on_deposit, int_on_deriv_hedge, int_on_derivative, int_on_ecgd_lending, int_on_loan_and_adv, int_on_money_mkt, int_on_mortgage, int_on_sft, int_unallocated, interest, intra_group_fee, inv_in_subsidiary, investment_banking_fee, investment_property, ips, land, loan_and_advance_fee, machinery, manufactured_dividend, mortgage_fee, mtg_ins_nonconform, mtg_insurance, ni_contribution, non_life_ins_premium, not_fut_prof, occupancy_cost, operational, operational_escrow, operational_excess, oth_tax_excl_temp_diff, other, other_expenditure, other_fs_fee, other_non_fs_fee, other_social_contrib, other_staff_cost, other_staff_rem, overdraft_fee, own_property, pension, ppe, prime_brokerage, property, pv_future_spread_inc, rec_unidentified_cpty, reclass_tax, recovery, redundancy_pymt, reference, reg_loss, regular_wages, release, rent, res_fund_contribution, restructuring, retained_earnings, revaluation, revenue_reserve, share_plan, share_premium, staff, system, tax, telecom_equipment, third_party_interest, underwriting_fee, unsecured_loan_fee, vehicle, write_off, |
| rate | The full interest rate applied to the account balance in percentage terms. Note that this therefore includes the base_rate (ie. not the spread). | number | - |
| rate_type | Describes the type of interest rate applied to the account. | string | combined, fixed, preferential, tracker, variable, |
| regulatory_book | The type of portfolio in which the instrument is held. | string | banking_book, trading_book, |
| reporting_entity_name | The name of the reporting legal entity for display purposes. | string | - |
| reporting_id | The internal ID for the legal entity under which the account is being reported. | string | - |
| risk_country_code | Two-letter country code as defined according to ISO 3166-1 plus ISO allowed, user-assignable codes (AA, QM to QZ, XA to XZ, and ZZ). | string | AA, AD, AE, AE-AJ, AE-AZ, AE-DU, AE-FU, AE-RK, AE-SH, AE-UQ, AF, AG, AI, AL, AM, AO, AQ, AR, AS, AT, AU, AW, AX, AZ, BA, BB, BD, BE, BF, BG, BH, BI, BJ, BL, BM, BN, BO, BQ, BR, BS, BT, BV, BW, BY, BZ, CA, CA-AB, CA-BC, CA-MB, CA-NB, CA-NL, CA-NS, CA-NT, CA-NU, CA-ON, CA-PE, CA-QC, CA-SK, CA-YT, CC, CD, CF, CG, CH, CI, CK, CL, CM, CN, CO, CR, CU, CV, CW, CX, CY, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, EH, ER, ES, ET, FI, FJ, FK, FM, FO, FR, GA, GB, GD, GE, GF, GG, GH, GI, GL, GM, GN, GP, GQ, GR, GS, GT, GU, GW, GY, HK, HM, HN, HR, HT, HU, ID, IE, IL, IM, IN, IO, IQ, IR, IS, IT, JE, JM, JO, JP, KE, KG, KH, KI, KM, KN, KP, KR, KW, KY, KZ, LA, LB, LC, LI, LK, LR, LS, LT, LU, LV, LY, MA, MC, MD, ME, MF, MG, MH, MK, ML, MM, MN, MO, MP, MQ, MR, MS, MT, MU, MV, MW, MX, MY, MZ, NA, NC, NE, NF, NG, NI, NL, NO, NP, NR, NU, NZ, OM, PA, PE, PF, PG, PH, PK, PL, PM, PN, PR, PS, PT, PW, PY, QA, QM, QN, QO, QP, QQ, QR, QS, QT, QU, QV, QW, QX, QY, QZ, RE, RO, RS, RU, RW, SA, SB, SC, SD, SE, SG, SH, SI, SJ, SK, SL, SM, SN, SO, SR, SS, ST, SV, SX, SY, SZ, TC, TD, TF, TG, TH, TJ, TK, TL, TM, TN, TO, TR, TT, TV, TW, TZ, UA, UG, UM, US, UY, UZ, VA, VC, VE, VG, VI, VN, VU, WF, WS, XA, XB, XC, XD, XE, XF, XG, XH, XI, XJ, XK, XL, XM, XN, XO, XP, XQ, XR, XS, XT, XU, XV, XW, XX, XY, XZ, YE, YT, ZA, ZM, ZW, ZZ, |
| risk_weight_std | The standardised approach risk weight represented as a decimal/float such that 1.5% is 0.015. | number | - |
| rollover_date | A particular predetermined date at which an account is rolled-over. | string | - |
| source | The source(s) where this data originated. If more than one source needs to be stored for data lineage, it should be separated by a dash. eg. Source1-Source2 | string | - |
| start_date | The timestamp that the trade or financial product commences. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. | string | - |
| status | Describes if the Account is active or been cancelled. | string | active, cancelled, cancelled_payout_agreed, other, transactional, |
| trade_date | The timestamp that the trade or financial product terms are agreed. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. | string | - |
| type | This is the type of the account with regards to common regulatory classifications. | string | amortisation, bonds, call, cd, credit_card, current, current_io, deferred, deferred_tax, depreciation, expense, income, intangible, internet_only, ira, isa, isa_current, isa_current_io, isa_io, isa_time_deposit, isa_time_deposit_io, money_market, non_deferred, non_product, other, prepaid_card, provision, reserve, retail_bonds, savings, savings_io, suspense, tangible, third_party_savings, time_deposit, time_deposit_io, vostro, |
| uk_funding_type | Funding type calculated according to BIPRU 12.5/12.6 | string | a, b, |
| version_id | The version identifier of the data such as the firm’s internal batch identifier. | string | - |
| withdrawal_penalty | This is the penalty incurred by the customer for an early withdrawal on this account. An early withdrawal is defined as a withdrawal prior to the next_withdrawal_date. Monetary type represented as a naturally positive integer number of cents/pence. | integer | - |