SEB MIG for ISO20022 camt.052, camt.053 and camt.054.

Transcription

1 SEB MIG for ISO20022 camt.052, camt.053 and camt.054. Version 1.0

2 Table of contents 1. Introduction Camt Bank To Customer Statement Camt Bank To Customer Account Report Camt Bank To Customer Debit Credit Notification List of Bank Transaction Codes used in SEB Examples

3 1. Introduction The purpose of this document is to provide guidance about camt , camt and camt structure, sent by SEB. CAMT BankToCustomerAccountReportV02 is used when statement end-date is current day. It is used to report intraday transactions and can also include information about booked transactions and balances. CAMT BankToCustomerStatementV02 is used when statement end-date is in the past and it is used to report booked transactions and balances. CAMT BankToCustomerDebitCreditNotificationV02 is used to report single booked entry. Clients can receive this message only from Host to host banking interface. This document should be read together with the ISO XML message standards, as all information of the elements have not been repeated in this document and should be taken into account where applicable. Message elements that are not represented in this document will be not used in described messages. Below is the explanation of each column of the tables: Index column number refers to the corresponding description in the ISO XML Message Definition Report. This report can be found at Mult column - indicates whether an element is mandatory or optional and how many repetitions are allowed for the element. For example: [1..1] shows that element is mandatory and can be presented only once [1..n] - shows that element is mandatory and can be presented 1 to n times [0..1] shows that element is optional and can be presented only once [0..n] shows that element is optional and can be presented 0 to n times Or column indicates that only one or several elements may be presented Message Item column - element name used in ISO XML Message Definition Report. XML Tag column short name identifying an element within an XML message, which is put between brackets, e.g. <Amt> Type column indicates the ISO type Usage column describes usage in SEB messages. 3

4 2. Camt Bank To Customer Statement Index Mult. OR Message Item <XML Tag> Type Usage [1..1] Message root <BkToCstmrStmt> 1.0 [1..1] +GroupHeader <GrpHdr> 1.1 [1..1] ++MessageIdentification <MsgId> Text Unique message identification, generated by SEB. 1.2 [1..1] ++CreationDateTime <CreDtTm> DateTime The date and time (UTC+2) of account statement message creation at the bank 1.4 [0..1] ++MessagePagination <MsgPgntn> Used if the camt-message needs to be divided into several parts. If pagination is not used, each account statement must be a complete account statement including all transactions and initial and final balances. [1..1] +++PageNumber <PgNb> Text [1..1] +++LastPageIndicator <LastPgInd> Indicator ITBD interim balances shall be used on paginated account report for each page, to present change of balance. 2.0 [1..n] +Statement <Stmt> - repeated for each currency on account - includes balances and transaction data 2.1 [1..1] ++Identification <Id> Text Unique identification of the account statement, provided by the bank 2.4 [1..1] ++CreationDateTime <CreDtTm> DateTime The date and time (UTC+2) 2.5 [1..1] ++FromToDate <FrToDt> Period for what statement is generated [1..1] +++FromDateTime <FrDtTm> DateTime [1..1] +++ToDateTime <ToDtTm> DateTime 4

5 2.10 [1..1] ++Account <Acct> [1..1] +++Identification <Id> [1..1] ++++IBAN <IBAN> Identifier Account number, for what statement is generated [0..1] +++Currency <Ccy> Code Account currency, for what this statement block is generated. [1..1] +++Owner <Ownr> Account owner information [1..1] ++++Name <Nm> Text Name of the account owner [0..1] ++++PostalAddress <PstlAdr> [0..7] +++++AddressLine <AdrLine> Text [1..1] ++++Identification <Id> Account owner s ID [1..1] +++++OrganisationIdentific <OrgId> ation [0..n] Other <Othr> [1..1] Identification <Id> Text Organization's legal ID [0..1] Scheme Name <SchmeNm> [1..1] Code <Cd> COID [0..1] +++Servicer <Svcr> Only SEB Pank s BIC, address and name is provided [1..1] ++++FinancialInstitutionIde <FinInstnId> ntification [0..1] +++++BIC <BIC> Identifier [0..1] +++++Name <Nm> Text [0..1] +++++PostalAddress <PstlAdr> [0..7] AddressLine <AdrLine> Text 2.23 [1..n] ++Balance <Bal> Only opening booked balance (OPBD) and closing booked balance (CLBD) of requested period shall be presented [1..1] +++Type <Tp> 2.25 [1..1] ++++CodeOrProprietary <CdOrPrtry> 2.26 [1..1] +++++Code <Cd> Code 2.28 [0..1] ++++SubType <SubTp> 2.29 [1..1] +++++Code <Cd> Code For paginated messages INTM (intermediate) code will be used together with OPBD and CLBD balance type codes to indicate 5

6 intermediate characteristic of the balance 2.34 [1..1] +++Amount <Amt> Actual balance 2.35 [1..1] +++CreditDebitIndicator <CdtDbtInd> CRDT or DBIT. Zero is marked as CRDT 2.36 [1..1] +++Date <Dt> [1..1] ++++Date <Dt> Date 2.43 [1..1] ++TransactionsSummary <TxsSummry> Number of credit and debit bookings and sums in the message 2.49 [1..1] +++TotalCreditEntries <TtlCdtNtries> 2.50 [0..1] ++++NumberOfEntries <NbOfNtries> Text 2.51 [1..1] ++++Sum <Sum> Quantity 2.52 [1..1] +++TotalDebitEntries <TtlDbtNtries> 2.53 [0..1] ++++NumberOfEntries <NbOfNtries> Text 2.54 [1..1] ++++Sum <Sum> Quantity Booking 2.76 [0..n] ++Entry <Ntry> Only booked transactions are presented 2.78 [1..1] +++Amount <Amt> Amount Booked amount 2.79 [1..1] +++CreditDebitIndicator <CdtDbtInd> Code CRDT for credit or DBIT for debit 2.80 [0..1] +++ReversalIndicator <RvslInd> Indicator Used in case Entry is a reversal. If CdtDbtInd is CRDT and RvslInd is true the origingal entry was a debit [1..1] +++Status <Sts> Code BOOK 2.82 [1..1] +++BookingDate <BookgDt> Booking date [1..1] ++++Date <Dt> DateTime 2.83 [0..1] +++Value Date <ValDt> Value date [1..1] ++++Date <Dt> DateTime 2.84 [1..1] +++AccountServicerRefere <AcctSvcrRef> Text SEB-s reference to identify the entry. nce 2.91 [1..1] +++BankTransactionCode <BkTxCd> See bank transaction codes used in SEB in chapter [1..1] ++++Domain <Domn> 2.93 [1..1] +++++Code <Cd> Code 6

7 2.94 [1..1] +++++Family <Fmly> 2.95 [1..1] Code <Cd> Code 2.96 [1..1] SubFamilyCode <SubFmlyCd> Code Transaction Details [1..n] +++EntryDetails <NtryDtls> [1..n] ++++TransactionDetails <TxDtls> Used to provide information on the single transaction [1..1] +++++References <Refs> [0..1] MessageIdentificat ion [0..1] AccountServicerR eference [0..1] PaymentInformatio nidentification [0..1] InstructionIdentific ation [0..1] EndToEndIdentific ation <MsgId> Text Referencing the message id in the pain.001 (1.1 <MsgId>) <AcctSvcrRef> Text SEB-s reference to identify the entry.same as in field 2.84 <PmtInfId> Text Referencing the payment information id in the pain.001 (2.1 <PmntInfId) <InstrId> Text Not implemented yet. Information returned if given in pain.008 and pain.001. This field will be also used to show document number. <EndToEndId> Text Referencing the end-to-end id in the pain.001/pain.008 (2.31 <EndRoEndId>) [0..1] +++++AmountDetails <AmtDtls> [0..1] InstructedAmount <InstdAmt> This amount is the original ordered amount as instructed by the instructing party. Used only when original ordered amount currency differs from creditor account currency (incoming payment) or debtor account currency (outgoing payment) 7

8 [1..1] Amount <Amt> Amount [0..1] TransactionAmoun t <TxAmt> [1..1] Amount <Amt> Amount Always the same as entry amount (index 2.78) [0..1] CurrencyExchang e <CcyXchg> Used only in currency exchange case [0..1] SourceCurrency <SrcCcy> Code In case of outgoing payment always the currency of debtor s account. In case of incoming payment always the currency of instructed amount [0..1] TargetCurrency <TrgtCcy> Code Resulting currency of the currency exchange made. [0..1] UnitCurrency <UnitCcy> Code [1..1] ExchangeRate <XchgRate> Rate [0..1] +++++RelatedParties <RltdPties> [0..1] Debtor <Dbtr> Reported in case of incoming payments [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIde ntification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> 8

9 [1..1] Identification <Id> Text Company registration number of the debtor [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code COID is supported [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentifica tion [0..1] {Or DateAndPlace OfBirth <PrvtId> Personal code of the debtor <DtAndPlcOfBirth> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirt h <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code NIDN is supported [1..1] Or} Proprietary <Prtry> Text 9

10 [0..1] Issuer <Issr> Text [0..1] DebtorAccount <DbtrAcct> Reported in case of incoming payments [1..1] Identification <Id> [1..1] {Or IBAN <IBAN> Identifier [1..1] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] UltimateDebtor <UltmtDbtr> In case of incoming payments reported if available. In case of outgoing payments referencing the ultimate debtor in pain.001 [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIde ntification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text 10

11 [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentifica tion [0..1] {Or DateAndPlace OfBirth <PrvtId> <DtAndPlcOfBirth> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirt h <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] Creditor <Cdtr> Reported in case of outgoing payments as sent to the bank in pain.001 or other payment instruction [0..1] Name <Nm> Text [0..1] Identification <Id> 11

12 [1..1] {Or OrganisationIde ntification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text Company registration number of the creditor [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code COID is supported [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentifica tion [0..1] {Or DateAndPlace OfBirth <PrvtId> <DtAndPlcOfBirth> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirt h <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text Personal code of the creditor 12

13 [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] CreditorAccount <CdtrAcct> Reported in case of outgoing payments [1..1] Identification <Id> [1..1] {Or IBAN <IBAN> Identifier [1..1] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] UltimateCreditor <UltmtCdtr> In case of incoming payments reported if available. In case of outgoing payments referencing the ultimate creditor in pain.001 [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIde ntification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text 13

14 [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentifica tion [0..1] {Or DateAndPlace OfBirth <PrvtId> <DtAndPlcOfBirth> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirt h <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text 14

15 2.211 [0..1] +++++RelatedAgents <RltdAgts> [0..1] DebtorAgent <DbtrAgt> Reported in case of incoming payment and if BIC is used [1..1] FinancialInstitutio nidentification <FinInstnId> [0..1] BIC <BIC> Identifier [0..1] Name <Nm> Text [0..1] CreditorAgent <CdtrAgt> Reported in case of outgoing payment and if BIC is used [1..1] FinancialInstitutio nidentification <FinInstnId> [0..1] BIC <BIC> Identifier [0..1] Name <Nm> Text [0..1] +++++Purpose <Purp> In case of incoming payments reported if available. In case of outgoing payments referencing the purpose in pain [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [1..1] +++++RemittanceInformati on <RmtInf> In case of incoming payments reporter if available. In case of outgoing payments referencing the remittance information in pain.001 or other payment instruction. 15

16 2.235 [0..n] Unstructured <Ustrd> Text Unstructed payment details [0..n] Structured <Strd> If the ustructured remittance information in incoming payment corresponds to EACT standard (/RFB/XXXXXX/TXT/ZZZZZZ, where RFB stands for the code of creditor reference, XXXXXX stands for the creditor reference, TXT stands for the code of unstructured information and ZZZZZZ stands for the unstructured information) and creditor reference meets the Estonian reference number standard, the creditor reference will be lifted to the structured remittance information under tag Reference [0..n] CreditorReferenc einformation <CdtrRefInf> [0..1] Type <Tp> [1..1] CodeOrProprie tary <CdOrPrtry> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] Reference <Ref> Text 16

17 3. Camt Bank To Customer Account Report Index Mult. OR Message Item <XML Tag> Type Usage [1..1] Message root <BkTToCstmrAcctRpt> 1.0 [1..1] +GroupHeader <GrpHdr> 1.1 [1..1] ++MessageIdentification <MsgId> Text Unique message identification generated by SEB. 1.2 [1..1] ++CreationDateTime <CreDtTm> DateTime The date and time (UTC+2) of account statement message creation at the bank 1.4 [0..1] ++MessagePagination <MsgPgntn> Used if the camt-message needs to be divided into several parts. If pagination is not used, each account statement must be a complete account statement including all transactions and initial and final balances. [1..1] +++PageNumber <PgNb> Text [1..1] +++LastPageIndicator <LastPgInd> Indicator ITBD interim balances shall be used on paginated account report for each page, to present change of balance. 2.0 [1..n] +Statement <Stmt> - repeated for each currency on account - includes balances and transaction data 2.1 [1..1] ++Identification <Id> Text Unique identification of the account statement provided by the SEB bank 2.4 [1..1] ++CreationDateTime <CreDtTm> DateTime The date and time (UTC+2) 2.5 [1..1] ++FromToDate <FrToDt> Period for what report is generated [1..1] +++FromDateTime <FrDtTm> DateTime [1..1] +++ToDateTime <ToDtTm> DateTime 17

18 2.10 [1..1] ++Account <Acct> [1..1] +++Identification <Id> [1..1] ++++IBAN <IBAN> Identifier Account number, for what report is generated [0..1] +++Currency <Ccy> Code Account currency, for what this report block is generated. [1..1] +++Owner <Ownr> Account owner information [1..1] ++++Name <Nm> Text Name of the account owner [0..1] ++++PostalAddress <PstlAdr> [0..7] +++++AddressLine <AdrLine> Text [1..1] ++++Identification <Id> Account owner s ID [1..1] +++++OrganisationIdentif <OrgId> ication [0..n] Other <Othr> [1..1] Identification <Id> Text Organization's legal ID [0..1] Scheme Name <SchmeNm> [1..1] Code <Cd> COID [0..1] +++Servicer <Svcr> Only SEB Pank s BIC, address and name is provided [1..1] ++++FinancialInstitutionI <FinInstnId> dentification [0..1] +++++BIC <BIC> Identifier [0..1] +++++Name <Nm> Text [0..1] +++++PostalAddress <PstlAdr> [0..7] AddressLine <AdrLine> Text 2.23 [1..n] ++Balance <Bal> Only opening booked balance (OPBD) and interim booked balance (ITBD) of requested period shall be presented [1..1] +++Type <Tp> 2.25 [1..1] ++++CodeOrProprietary <CdOrPrtry> 2.26 [1..1] +++++Code <Cd> Code 2.28 [0..1] ++++SubType <SubTp> 2.29 [1..1] +++++Code <Cd> Code For paginated messages INTM (intermediate) code will be used together with OPBD (opening booked balance) and ITBD balance 18

19 type codes to indicate intermediate characteristic of the balance 2.34 [1..1] +++Amount <Amt> Actual balance 2.35 [1..1] +++CreditDebitIndicator <CdtDbtInd> CRDT or DBIT. Zero is marked as CRDT 2.36 [1..1] +++Date <Dt> [1..1] ++++Date <Dt> Date 2.43 [1..1] ++TransactionsSummary <TxsSummry> Number of credit and debit bookings and sums in the message 2.49 [1..1] +++TotalCreditEntries <TtlCdtNtries> 2.50 [0..1] ++++NumberOfEntries <NbOfNtries> Text 2.51 [1..1] ++++Sum <Sum> Quantity 2.52 [1..1] +++TotalDebitEntries <TtlDbtNtries> 2.53 [0..1] ++++NumberOfEntries <NbOfNtries> Text 2.54 [1..1] ++++Sum <Sum> Quantity Booking 2.76 [0..n] ++Entry <Ntry> Only booked transactions are presented 2.78 [1..1] +++Amount <Amt> Amount Booked amount 2.79 [1..1] +++CreditDebitIndicator <CdtDbtInd> Code CRDT for credit or DBIT for debit [0..1] +++ReversalIndicator <RvslInd> Indicator Used in case Entry is a reversal.. If CdtDbtInd is CRDT and RvslInd is true the origingal entry was a debit [1..1] +++Status <Sts> Code BOOK 2.82 [1..1] +++BookingDate <BookgDt> Booking date [1..1] ++++Date <Dt> DateTime 2.83 [0..1] +++Value Date <ValDt> Value date [1..1] ++++Date <Dt> DateTime 2.84 [1..1] +++AccountServicerRefer <AcctSvcrRef> Text SEB-s reference to identify the entry. ence 2.91 [1..1] +++BankTransactionCod <BkTxCd> See bank transaction codes used in SEB in chapter 5 e 2.92 [1..1] ++++Domain <Domn> 19

20 2.93 [1..1] +++++Code <Cd> Code 2.94 [1..1] +++++Family <Fmly> 2.95 [1..1] Code <Cd> Code 2.96 [1..1] SubFamilyCode <SubFmlyCd> Code Transaction Details [1..n] +++EntryDetails <NtryDtls> [1..n] ++++TransactionDetails <TxDtls> Used to provide information on the single transaction [1..1] +++++References <Refs> [0..1] MessageIdentificatio n [0..1] AccountServicerRef erence [0..1] PaymentInformationI dentification [0..1] InstructionIdentificati on [0..1] EndToEndIdentificati on <MsgId> Text Referencing the message id in the pain.001 (1.1 <MsgId>) <AcctSvcrRef> Text SEB-s reference to identify the entry.same as in field 2.84 <PmtInfId> Text Referencing the payment information id in the pain.001 (2.1 <PmntInfId) <InstrId> Text Not implemented yet. Information returned if given in pain.008 and pain.001. This field will be also used to show document number. <EndToEndId> Text Referencing the end-to-end id in the pain.001/pain.008 (2.31 <EndRoEndId>) [0..1] +++++AmountDetails <AmtDtls> 20

21 [0..1] InstructedAmount <InstdAmt> This amount is the original ordered amount as instructed by the instructing party. Used only when original ordered amount currency differs from creditor account currency (incoming payment) or debtor account currency (outgoing payment) [1..1] Amount <Amt> Amount [0..1] TransactionAmount <TxAmt> [1..1] Amount <Amt> Amount Always the same as entry amount (index 2.78) [0..1] CurrencyExchange <CcyXchg> Used only in currency exchange case [0..1] SourceCurrency <SrcCcy> Code In case of outgoing payment always the currency of debtor s account. In case of incoming payment always the currency of instructed amount [0..1] TargetCurrency <TrgtCcy> Code Resulting currency of the currency exchange made. [0..1] UnitCurrency <UnitCcy> Code [1..1] ExchangeRate <XchgRate> Rate [0..1] +++++RelatedParties <RltdPties> [0..1] Debtor <Dbtr> Reported in case of incoming payments [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIdent ification <OrgId> 21

22 [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text Company registration number of the debtor [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code COID is supported [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati on [0..1] {Or DateAndPlaceOf Birth <PrvtId> Personal code of the debtor <DtAndPlcOfBirt h> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code NIDN is supported 22

23 [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] DebtorAccount <DbtrAcct> Reported in case of incoming payments [1..1] Identification <Id> [1..1] {Or IBAN <IBAN> Identifier [1..1] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] UltimateDebtor <UltmtDbtr> In case of incoming payments, reported if available. In case of outgoing payments referencing the ultimate debtor in pain.001 [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIdent ification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code 23

24 [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati on [0..1] {Or DateAndPlaceOf Birth <PrvtId> <DtAndPlcOfBirt h> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] Creditor <Cdtr> Reported in case of outgoing payments as sent to the bank in pain.001 or other payment instruction [0..1] Name <Nm> Text [0..1] Identification <Id> 24

25 [1..1] {Or OrganisationIdent ification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text Company registration number of the creditor [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code COID is supported [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati on [0..1] {Or DateAndPlaceOf Birth <PrvtId> <DtAndPlcOfBirt h> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text Personal code of the creditor [0..1] Scheme Name <SchmeNm> 25

26 [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] CreditorAccount <CdtrAcct> Reported in case of outgoing payments [1..1] Identification <Id> [1..1] {Or IBAN <IBAN> Identifier [1..1] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] UltimateCreditor <UltmtCdtr> In case of incoming payments reported if available. In case of outgoing payments referencing the ultimate creditor in pain.001 [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIdent ification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code 26

27 [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati on [0..1] {Or DateAndPlaceOf Birth <PrvtId> <DtAndPlcOfBirt h> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] +++++RelatedAgents <RltdAgts> [0..1] DebtorAgent <DbtrAgt> Reported in case of incoming payment and if BIC is used [1..1] FinancialInstitutionI dentification <FinInstnId> 27

28 [0..1] BIC <BIC> Identifier [0..1] Name <Nm> Text [0..1] CreditorAgent <CdtrAgt> Reported in case of outgoing payment and if BIC is used [1..1] FinancialInstitutionI dentification <FinInstnId> [0..1] BIC <BIC> Identifier [0..1] Name <Nm> Text [0..1] +++++Purpose <Purp> In case of incoming payments reported if available. In case of outgoing payments referencing the purpose in pain [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [1..1] +++++RemittanceInformatio n <RmtInf> In case of incoming payments reported if available. In case of outgoing payments referencing the remittance information in pain.001 or other payment instruction [0..n] Unstructured <Ustrd> Text Unstructed payment details. If the ustructured remittance information in incoming payment corresponds to EACT standard (/RFB/XXXXXX/TXT/ZZZZZZ, where RFB stands for the code of creditor reference, XXXXXX stands for the creditor reference, TXT stands for the code of unstructured information and ZZZZZZ stands for the unstructured information) and creditor reference meets the Estonian reference number standard, the creditor reference will be lifted to the structured remittance information under tag Reference. 28

29 2.236 [0..n] Structured <Strd> [0..n] CreditorReferenceI nformation <CdtrRefInf> [0..1] Type <Tp> [1..1] CodeOrPropriet ary <CdOrPrtry> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] Reference <Ref> Text 29

30 4. Camt Bank To Customer Debit Credit Notification Index Mult. OR Message Item <XML Tag> Type Usage [1..1] Message root <BkTToCstmrAcctRpt> 1.0 [1..1] +GroupHeader <GrpHdr> 1.1 [1..1] ++MessageIdentification <MsgId> Text Unique message identification generated by SEB. 1.2 [1..1] ++CreationDateTime <CreDtTm> DateTime The date and time (UTC+2) of account statement message creation at the bank 2.0 [1..n] +Notification <Ntfctn> 2.1 [1..1] ++Identification <Id> Text Unique identification of the notification provided by the SEB 2.4 [1..1] ++CreationDateTime <CreDtTm> DateTime The date and time (UTC+2) 2.10 [1..1] ++Account <Acct> [1..1] +++Identification <Id> [1..1] ++++IBAN <IBAN> Identifier Account number, for what notification is generated [0..1] +++Currency <Ccy> Code Account currency, for what this notification block is generated. [1..1] +++Owner <Ownr> Account owner information

31 [1..1] ++++Name <Nm> Text Name of the account owner [0..1] ++++PostalAddress <PstlAdr> [0..7] +++++AddressLine <AdrLine> Text [1..1] ++++Identification <Id> Account owner s ID [1..1] +++++OrganisationIdentif ication <OrgId> [0..n] Other <Othr> [1..1] Identification <Id> Text Organization's legal ID [0..1] Scheme Name <SchmeNm> [1..1] Code <Cd> COID [0..1] +++Servicer <Svcr> Only SEB Pank s BIC, address and name is provided [1..1] ++++FinancialInstitutionI dentification <FinInstnId> [0..1] +++++BIC <BIC> Identifier [0..1] +++++Name <Nm> Text [0..1] +++++PostalAddress <PstlAdr> [0..7] AddressLine <AdrLine> Text Bookings 31

32 2.56 [0..n] ++Entry <Ntry> Only booked transactions are reported 2.58 [1..1] +++Amount <Amt> Amount 2.59 [1..1] +++CreditDebitIndicator <CdtDbtInd> Text CRDT for credit or DBIT for debit 2.60 [0..1] +++ReversalIndicator <RvslInd> Indicator Used in case Entry is a reversal. If CdtDbtInd is CRDT and RvslInd is true the original entry was a debit [1..1] +++Status <Sts> Code BOOK 2.62 [1..1] +++BookingDate <BookgDt> Booking date [1..1] ++++Date <Dt> DateTime 2.63 [0..1] +++Value Date <ValDt> Value date [1..1] ++++Date <Dt> DateTime 2.64 [1..1] +++AccountServicerReferen ce <AcctSvcrRef> Text SEB-s reference to identify the entry [1..1] +++BankTransactionCode <BkTxCd> See bank transaction codes used in SEB in chapter [1..1] ++++Domain <Domn> 2.73 [1..1] +++++Code <Cd> Code 2.74 [1..1] +++++Family <Fmly> 2.75 [1..1] Code <Cd> Code 2.76 [1..1] SubFamilyCode <SubFmlyCd> Code 32

33 Transaction Details [1..n] +++EntryDetails <NtryDtls> [1..n] ++++TransactionDetails <TxDtls> Used to provide information on the single transaction [1..1] +++++References <Refs> [0..1] MessageIdentificatio n [0..1] AccountServicerRef erence [0..1] PaymentInformationI dentification [0..1] InstructionIdentificati on [0..1] EndToEndIdentificati on <MsgId> Text Referencing the message id in the pain.001 (1.1 <MsgId>) <AcctSvcrRef> Text SEB-s reference to identify the entry. Same as in field 2.64 <PmtInfId> Text Referencing the payment information id in the pain.001 (2.1 <PmntInfId) <InstrId> Text Not implemented yet. Information returned if given in pain.008 and pain.001. This field will be also used to show document number. <EndToEndId> Text Referencing the end-to-end id in the pain.001/pain.008 (2.31 <EndRoEndId>) [0..1] +++++AmountDetails <AmtDtls> [0..1] InstructedAmount <InstdAmt> This amount is the original ordered amount as instructed by the instructing party. Used only when original ordered amount currency differs from creditor account currency (incoming payment) or debtor account currency (outgoing payment) [1..1] Amount <Amt> Amount [0..1] TransactionAmount <TxAmt> 33

34 [1..1] Amount <Amt> Amount Always the same as entry amount (index 2.58) [0..1] CurrencyExchange <CcyXchg> Used only in currency exchange case [0..1] SourceCurrency <SrcCcy> Code In case of outgoing payment always the currency of debtor s account. In case of incoming payment always the currency of instructed amount [0..1] TargetCurrency <TrgtCcy> Code Resulting currency of the currency exchange made. [0..1] UnitCurrency <UnitCcy> Code [1..1] ExchangeRate <XchgRate> Rate [0..1] +++++RelatedParties <RltdPties> [0..1] Debtor <Dbtr> Reported in case of incoming payments [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIdent ification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text Company registration number of the debtor [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code COID is supported 34

35 [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati on [0..1] {Or DateAndPlaceOf Birth <PrvtId> Personal code of the debtor <DtAndPlcOfBirth> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code NIDN is supported [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] DebtorAccount <DbtrAcct> Reported in case of incoming payments [1..1] Identification <Id> [1..1] {Or IBAN <IBAN> Identifier 35

36 [1..1] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] UltimateDebtor <UltmtDbtr> In case of incoming payments reporter if available. In case of outgoing payments referencing the ultimate debtor in pain.001 [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIdent ification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati on [0..1] {Or DateAndPlaceOf Birth <PrvtId> <DtAndPlcOfBirth> 36

37 [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] Creditor <Cdtr> Reported in case of outgoing payments as sent to the bank in pain.001 or other payment instruction [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIdent ification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text Company registration number of the creditor [0..1] Scheme Name <SchmeNm> 37

38 [1..1] {Or Code <Cd> Code COID is supported [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati on [0..1] {Or DateAndPlaceOf Birth <PrvtId> <DtAndPlcOfBirth> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text Personal code of the creditor [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code NIDN is supported [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] CreditorAccount <CdtrAcct> Reported in case of outgoing payments [1..1] Identification <Id> 38

39 [1..1] {Or IBAN <IBAN> Identifier [1..1] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] UltimateCreditor <UltmtCdtr> In case of incoming payments reported if available. In case of outgoing payments referencing the ultimate creditor in pain.001 [0..1] Name <Nm> Text [0..1] Identification <Id> [1..1] {Or OrganisationIdent ification <OrgId> [0..1] {{Or BICOrBEI <BICOrBEI> Identifier [0..n] Or}} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [1..1] Or} PrivateIdentificati <PrvtId> 39

40 on [0..1] {Or DateAndPlaceOf Birth <DtAndPlcOfBirth> [1..1] BirthDate <BirthDt> DateTime [1..1] CityOfBirth <CityOfBirth> Text [1..1] CountryOfBirth <CtryOfBirth> Code [0..n] Or} Other <Othr> [1..1] Identification <Id> Text [0..1] Scheme Name <SchmeNm> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] +++++RelatedAgents <RltdAgts> [0..1] DebtorAgent <DbtrAgt> Reported in case of incoming payment and if BIC is used [1..1] FinancialInstitutionI dentification <FinInstnId> [0..1] BIC <BIC> Identifier [0..1] Name <Nm> Text 40

41 2.193 [0..1] CreditorAgent <CdtrAgt> Reported in case of outgoing payment and if BIC is used [1..1] FinancialInstitutionI dentification <FinInstnId> [0..1] BIC <BIC> Identifier [0..1] Name <Nm> Text [0..1] +++++Purpose <Purp> In case of incoming payments reported if available. In case of outgoing payments referencing the purpose in pain [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [1..1] +++++RemittanceInformatio n <RmtInf> In case of incoming payments reporter if available. In case of outgoing payments referencing the remittance information in pain.001 or other payment instruction [0..n] Unstructured <Ustrd> Text Unstructed payment details [0..n] Structured <Strd> If the ustructured remittance information in incoming payment corresponds to EACT standard (/RFB/XXXXXX/TXT/ZZZZZZ, where RFB stands for the code of creditor reference, XXXXXX stands for the creditor reference, TXT stands for the code of unstructured information and ZZZZZZ stands for the unstructured information) and creditor reference meets the Estonian reference number standard, the creditor reference will be lifted to the structured remittance information under tag Reference. 41

42 2.236 [0..n] CreditorReferenceI nformation <CdtrRefInf> [0..1] Type <Tp> [1..1] CodeOrPropriet ary <CdOrPrtry> [1..1] {Or Code <Cd> Code [1..1] Or} Proprietary <Prtry> Text [0..1] Issuer <Issr> Text [0..1] Reference <Ref> Text 5. List of Bank Transaction Codes used in SEB Domain Family Sub-family Credit / Debit Description PMNT CNTR CDPT C Cash Collection PMNT CNTR FEES D Cash transaction fee PMNT CNTR CWDL D Cash withdrawal PMNT RCHQ OTHR C Cheque honouring PMNT RCHQ FEES D Cheque honouring fee PMNT ICHQ OTHR D Cheque purchase PMNT ICHQ FEES D Chegue purchase fee PMNT ICDT BOOK D Interbank payment PMNT ICDT DMCT D Domestic payment PMNT ICDT XBCT D Cross-border payment 42

43 PMNT ICDT ESCT D European payment PMNT RCDT BOOK C Incoming Interbank payment PMNT RCDT FEES D Incoming payment fee PMNT RCDT DMCT C incoming domestic payment PMNT RCDT XBCT C incoming cross-border payment PMNT RCDT ESCT C incoming European payment PMNT MDOP FEES D Other fees related to payments PMNT ICDT FEES D Outgoing payment fee PMNT CCRD FEES D Card fee PMNT CCRD CDPT C Cash collection in ATM PMNT CCRD CWDL D Cash withdrawal with card PMNT CCRD OTHR D/C Card transaction PMNT MCOP ADJT C Transaction adjustment PMNT MCRD OTHR C Incoming POS transactions PMNT MCRD COMM D POS transactions processing fee PMNT IDDT FEES D Direct debit fee PMNT RCDT FICT C Incoming bank to bank payment PMNT ICDT FICT D Bank to bank payment PMNT ICDT RPCR C Payment reversal due to Payment Cancellation Request PMNT MDOP ADJT D Transaction adjustment PMNT RCDT RRTN C Returned payment PMNT MDOP COMM D Bank commission PMNT MCOP INTR C incoming interest PMNT OTHR OTHR D/C Other payments PMNT MCRD FEES D Merchant fees CAMT ACCB SWEP D Sweeping CAMT ACCB TOPG C Topping CAMT ACCB FEES D Account balancing fee FORX OTHR OTHR D/C Foreign exchange transaction FORX OTHR FEES D Fee of foreign exchange transaction TRAD DOCC FEES D Documantary Collection fee TRAD DCCT FEES D Documantary Credit fee TRAD GUAR FEES D Guarantee fee 43

44 LDAS OTHR OTHR D/C Loan disbursement (C)/loan repayment (D) LDAS MDOP FEES D Loan charges LDAS MCOP INTR C Disbursement of guaranteed interest LDAS MDOP OTHR D Loan related penalty LDAS NTAV NTAV D Other loan related fees LDAS MGLN FEES C Loan administration fee SECU CUST DVCA C Reciept of securities dividends SECU MDOP FEES D Other fees related to securities SECU SETT FEES D Service fee of securities transaction SECU SETT REDM C Redemption of fund units SECU SETT SUBS C Subscription of fund units SECU SETT TRAD D/C Securities transaction with other broker SECU CORP OTHR C Split of securities SECU CUST REDM C Redemption of bonds SECU SETT OTCG D/C Securities transfer delivery versus payment SECU SETT XCHG D/C Securities transaction on market SECU MCOP INTR C Interest income from bonds SECU COLL FEES D Fees related to pledging of securities SECU OTHR OTHR D/C Other movements related to securities XTND NTAV NTAV D Different bank fees 44

45 6. Examples 6.1 Camt.053 presenting following transactions on multicurrency account: Debiting one European payment Debiting payment fee of outgoing payment Currency conversion from EUR to RUB (as EUR was selected as cover currency for RUB payment) Credit of RUB account as a result of EUR to RUB currency conversion <?xml version= 1.0 encoding= UTF-8?> <Document xmlns= urn:iso:std:iso:20022:tech:xsd:camt xmlns:xsi= xsi:schemalocation= urn:iso:std:iso:20022:tech:xsd:camt camt xsd > <BkToCstmrStmt> <GrpHdr> </GrpHdr> <Stmt> <MsgId>STMMSGID/ /1</MsgId> <CreDtTm> T05:30:47+02:00</CreDtTm> <MsgPgntn> </MsgPgntn> <PgNb>1</PgNb> <LastPgInd>true</LastPgInd> <Id> EUR</Id> <CreDtTm> T05:30:50+02:00</CreDtTm> <FrToDt> <FrDtTm> T00:00:01</FrDtTm> <ToDtTm> T23:59:59</ToDtTm> 45

46 </FrToDt> <Acct> <Id> <IBAN>EE </IBAN> </Id> <Ccy>EUR</Ccy> <Ownr> <Nm>AS XML</Nm> <Id> <OrgId> <Othr> <Id>123456</Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Ownr> <Svcr> <FinInstnId> <BIC>EEUHEE2X</BIC> <Nm>AS SEB Pank</Nm> <PstlAdr> <AdrLine>Tornimäe 2, TALLINN ESTONIA</AdrLine> </PstlAdr> </FinInstnId> </Svcr> </Acct> <Bal> <Tp> <CdOrPrtry> <Cd>OPBD</Cd> 46

47 </CdOrPrtry> </Tp> <Amt Ccy= EUR > </Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt> </Dt> </Dt> </Bal> <Bal> <Tp> <CdOrPrtry> <Cd>CLBD</Cd> </CdOrPrtry> </Tp> <Amt Ccy= EUR > </Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt> </Dt> </Dt> </Bal> <TxsSummry> <TtlCdtNtries> <NbOfNtries>0</NbOfNtries> <Sum>0.00</Sum> </TtlCdtNtries> <TtlDbtNtries> <NbOfNtries>3</NbOfNtries> <Sum> </Sum> </TtlDbtNtries> </TxsSummry> <Ntry> <Amt Ccy= EUR > </Amt> <CdtDbtInd>DBIT</CdtDbtInd> 47

48 <Sts>BOOK</Sts> <BookgDt> <Dt> </Dt> </BookgDt> <ValDt> <Dt> </Dt> </ValDt> <AcctSvcrRef>RD </AcctSvcrRef> <BkTxCd> <Domn> <Cd>PMNT</Cd> <Fmly> <Cd>ICDT</Cd> <SubFmlyCd>ESCT</SubFmlyCd> </Fmly> </Domn> </BkTxCd> <NtryDtls> <TxDtls> <Refs> <MsgId>87fbf /1</MsgId> <AcctSvcrRef>RD </AcctSvcrRef> <PmtInfId> AO1</PmtInfId> <InstrId>123</InstrId> <EndToEndId>123</EndToEndId> </Refs> <AmtDtls> <TxAmt> <Amt Ccy= EUR > </Amt> </TxAmt> </AmtDtls> <RltdPties> <Cdtr> 48

49 <Nm>AS ISO</Nm> <Id> <OrgId> <Othr> <Id>765432</Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Cdtr> <CdtrAcct> <Id> <IBAN>EE </IBAN> </Id> </CdtrAcct> </RltdPties> <RltdAgts> <CdtrAgt> <FinInstnId> <BIC>HABAEE2X</BIC> <Nm>AS Swedbank</Nm> </FinInstnId> </CdtrAgt> </RltdAgts> <RmtInf> <Strd> <CdtrRefInf> <Ref> </Ref> </CdtrRefInf> </Strd> </RmtInf> 49

50 </Ntry> <Ntry> </TxDtls> <Amt Ccy= EUR >0.38</Amt> <CdtDbtInd>DBIT</CdtDbtInd> <Sts>BOOK</Sts> <BookgDt> <Dt> </Dt> </BookgDt> <ValDt> <Dt> </Dt> </ValDt> <AcctSvcrRef>RO L03</AcctSvcrRef> <BkTxCd> <Domn> <Cd>PMNT</Cd> <Fmly> <Cd>ICDT</Cd> <SubFmlyCd>FEES</SubFmlyCd> </Fmly> </Domn> </BkTxCd> <NtryDtls> <TxDtls> <Refs> <AcctSvcrRef>RO L03</AcctSvcrRef> </Refs> <AmtDtls> <TxAmt> <Amt Ccy= EUR >0.38</Amt> </TxAmt> </AmtDtls> <RmtInf> 50

51 <Ustrd>RD teenustasu</ustrd> </RmtInf> </TxDtls> </NtryDtls> </Ntry> <Ntry> <Amt Ccy= EUR > </Amt> <CdtDbtInd>DBIT</CdtDbtInd> <Sts>BOOK</Sts> <BookgDt> <Dt> </Dt> </BookgDt> <ValDt> <Dt> </Dt> </ValDt> <AcctSvcrRef>RO L01</AcctSvcrRef> <BkTxCd> <Domn> <Cd>FORX</Cd> <Fmly> <Cd>OTHR</Cd> <SubFmlyCd>OTHR</SubFmlyCd> </Fmly> </Domn> </BkTxCd> <NtryDtls> <TxDtls> <Refs> <MsgId>MSGID/ /2</MsgId> <AcctSvcrRef>RO L01</AcctSvcrRef> <PmtInfId>PmtInfId2</MsgId> <InstrId>126</InstrId> <EndToEndId>126</EndToEndId> 51

52 </Refs> <AmtDtls> <InstdAmt> <Amt Ccy= RUB > </Amt> </InstdAmt> <TxAmt> <Amt Ccy= EUR > </Amt> <CcyXchg> <SrcCcy>EUR</SrcCcy> <TrgtCcy>RUB</TrgtCcy> <UnitCcy>EUR</UnitCcy> <XchgRate> </XchgRate> </CcyXchg> </TxAmt> </AmtDtls> <RltdPties> <Cdtr> <Nm>AS XML</Nm> <Id> <OrgId> <Othr> <Id>123456</Id> <SchmeNm>COID</SchmeNm> </Othr> </OrgId> </Id> </Cdtr> <CdtrAcct> <Id> <IBAN>EE </IBAN> </Id> </CdtrAcct> </RltdPties> 52

53 <RltdAgts> <CdtrAgt> <FinInstnId> <BIC>EEUHEE2X</BIC> <Nm>AS SEB Pank</Nm> </FinInstnId> </CdtrAgt> </RltdAgts> <RmtInf> <Ustrd>Valuutavahetus EUR/RUB kurss </Ustrd> </RmtInf> </TxDtls> </NtryDtls> </Ntry> </Stmt> <Stmt> <Id> RUB</Id> <CreDtTm> T05:30:50+02:00</CreDtTm> <FrToDt> <FrDtTm> T00:00:01</FrDtTm> <ToDtTm> T23:59:59</ToDtTm> </FrToDt> <Acct> <Id> <IBAN>EE </IBAN> </Id> <Ccy>RUB</Ccy> <Ownr> <Nm>AS XML</Nm> <Id> <OrgId> <Othr> <Id>123456</Id> 53

54 <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Ownr> <Svcr> <FinInstnId> <BIC>EEUHEE2X</BIC> <Nm>AS SEB Pank</Nm> <PstlAdr> <AdrLine>Tornimäe 2, TALLINN ESTONIA </AdrLine> </PstlAdr> </FinInstnId> </Svcr> </Acct> <Bal> <Tp> <CdOrPrtry> <Cd>OPBD</Cd> </CdOrPrtry> </Tp> <Amt Ccy= RUB >0.00</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt> </Dt> </Dt> </Bal> <Bal> <Tp> <CdOrPrtry> <Cd>CLBD</Cd> 54

55 </CdOrPrtry> </Tp> <Amt Ccy= RUB > </Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt> </Dt> </Dt> </Bal> <TxsSummry> <TtlCdtNtries> <NbOfNtries>1</NbOfNtries> <Sum> </Sum> </TtlCdtNtries> <TtlDbtNtries> <NbOfNtries>0</NbOfNtries> <Sum>0.00</Sum> </TtlDbtNtries> </TxsSummry> <Ntry> <Amt Ccy= RUB > </Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Sts>BOOK</Sts> <BookgDt> <Dt> </Dt> </BookgDt> <ValDt> <Dt> </Dt> </ValDt> <AcctSvcrRef> RO L02</AcctSvcrRef> <BkTxCd> <Domn> <Cd>FORX</Cd> <Fmly> 55

56 <Cd>OTHR</Cd> <SubFmlyCd>OTHR</SubFmlyCd> </Fmly> </Domn> </BkTxCd> <NtryDtls> <TxDtls> <Refs> <MsgId>MSGID/ /2</MsgId> <AcctSvcrRef> RO L02</AcctSvcrRef> <PmtInfId>PmtInfId2</MsgId> <InstrId>126</InstrId> <EndToEndId>126</EndToEndId> </Refs> <AmtDtls> <TxAmt> <Amt Ccy= RUB > </Amt> </TxAmt> </AmtDtls> <RltdPties> <Dbtr> <Nm>AS XML</Nm> <Id> <OrgId> <Othr> <Id>123456</Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Dbtr> 56

57 <DbtrAcct> <Id> <IBAN>EE </IBAN> </Id> </DbtrAcct> </RltdPties> <RltdAgts> <DbtrAgt> <FinInstnId> <BIC>EEUHEE2X</BIC> <Nm>AS SEB Pank</Nm> </FinInstnId> </DbtrAgt> </RltdAgts> <RmtInf> <Ustrd>Valuutavahetus EUR/RUB kurss </Ustrd> </RmtInf> </TxDtls> </NtryDtls> </Ntry> </Stmt> </BkToCstmrStmt> </Document> 6.2 Camt.054 presenting debiting one consolidated payment <?xml version= 1.0 encoding= UTF-8?> <Document xmlns= urn:iso:std:iso:20022:tech:xsd:camt xmlns:xsi= xsi:schemalocation= urn:iso:std:iso:20022:tech:xsd:camt camt xsd > <BkToCstmrDbtCdtNtfctn> <GrpHdr> 57

58 <MsgId> /1</MsgId> <CreDtTm> T15:30:47+02:00</CreDtTm> </GrpHdr> <Ntfctn> <Id>EE EUR /1</Id> <CreDtTm> T15:30:47+02:00</CreDtTm> <Acct> <Id> <IBAN>EE </IBAN> </Id> <Ccy>EUR</Ccy> <Ownr> <Nm>AS XML</Nm> <Id> <OrgId> <Othr> <Id>123456</Id> <SchmeNm> <Cd>COID</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Ownr> <Svcr> <FinInstnId> <BIC>EEUHEE2X</BIC> <Nm>AS SEB Pank</Nm> <PstlAdr> <AdrLine>Tornimäe 2, TALLINN ESTONIA</AdrLine> 58

59 </PstlAdr> </FinInstnId> </Svcr> </Acct> <Ntry> <Amt Ccy= EUR > </Amt> <CdtDbtInd>DBIT</CdtDbtInd> <Sts>BOOK</Sts> <BookgDt> <Dt> </Dt> </BookgDt> <ValDt> <Dt> </Dt> </ValDt> <AcctSvcrRef> RO L01</AcctSvcrRef> <BkTxCd> <Domn> <Cd>PMNT</Cd> <Fmly> <Cd>ICDT</Cd> <SubFmlyCd>BOOK</SubFmlyCd> </Fmly> </Domn> </BkTxCd> <NtryDtls> <TxDtls> <Refs> <MsgId>87fbf /1</MsgId> <AcctSvcrRef>RO L01</AcctSvcrRef> <PmtInfId> AO2</PmtInfId> </Refs> <AmtDtls> <TxAmt> 59

60 <Amt Ccy= EUR > </Amt> </TxAmt> </AmtDtls> <RmtInf> <Ustrd>koondkorraldus</Ustrd> </RmtInf> </TxDtls> </NtryDtls> </Ntry> </Ntfctn> </Document> Explanation of consolidated payment remittance information. Remittance information (transaction details) in camt messages depend on how client have requested batch booking. There are three possibilities: 1) client enters Batch Booking value True and does not enter Category Purpose Codes SALA, PENS or SSBE. In this case the transaction details under unstructured remittance information will be Koondkorraldus ; 2) client enters Category Purpose Code SALA, PENS or SSBE and does not enter Batch Booking value True. In this case the transacation details under unstructured remittance information will be respectively Palgamakse, Pensionimakse or Sotsiaalkindlustusmakse ; 3) client enters both Batch Booking value True and Category Purpose Code SALA, PENS or SSBE. In this case the transacation details under unstructured remittance information will be respectively Palgamakse, Pensionimakse or Sotsiaalkindlustusmakse. 60