SEB ISO 20022 Message Implementation Guideline

1 SEB ISO 20022 Message Version Implementation Guideline Bank to Customer for the messages , and reporting th Valid from the 11 of May, 2015. SEB ISO 20022 MIG for the messages , and / Version Contents Page No. 1. Introduction 4. General summary 4. General remarks 5. 2. Message structure , and 7. 3. Message items 12. Group Header 12. Report (schema for ) 13. Statement (schema for ) 13. Notification (schema for ) 14. Account set of elements 15. Interest conditions (this section only appears in ) 16. Balances (this section appears in and ) 19. Transaction Summary ( ) ( ) 22. Entry ( ) ( ) 23. Bank Transaction Codes ( ) ( ) 24.

2 AmountDetails, ( ) ( ) 28. Charges 28. NtryDtls Batch level, ( ) ( ) 28. NtryDtls TxDtls, ( ) ( ) 29. Amount Details, ( ) ( ) 30. Bank Transaction Codes, or 32. Charges, 2172 or 2152 33. Interest, ( only) 33. Related parties on transaction level, and 35. Debtor, ( ) ( ) 35. DebtorAccount, ( ) ( ) 36. Ultimate Debtor, ( ) ( ) 37. Creditor, ( ) ( ) 37. Creditor Account, ( ) ( ) 38. Ultimate Creditor, ( ) ( ) 38. 2. SEB ISO 20022 MIG for the messages , and / Version Related Agents, ( ) ( ) 39. Purpose Code, ( ) ( ) 40. Remittance Information, ( ) ( ) 40. Related Dates ( ) ( ) 41. Additional Transaction Information, ( ) ( ) 41.

3 4. Message Samples 42. Appendix 1. and Bank Transaction Code list used by SEB 43. Appendix 2. Change Log and attached documentation 45. 3. SEB ISO 20022 MIG for the messages , and / Version 1. Introduction General summary The Bank to Customer reporting messages are sent by SEB to end-customers using SEB Integrations Services channels Global Corporate Access (GCA) and Corporate Access over SWIFT (CAoS). In addition the reporting messages can be sent using C&I Online File Handling Services function. There are two bank account reporting messages available 1. ISO 20022 - BankToCustomerAccountReportV02 (later in this document: ) Message for Intra-day account balances reporting, 2.

4 ISO 20022 - BankToCustomerStatementV02 (later in this document: ). Message for End-of-Day account statement reporting and 3. ISO 20022 - BankToCustomerDebitCreditNotificationV02 (later in this document: ) Message for the Intra-Day or End-of-Day reporting of the credit and/or debit booking reporting with full details of payments. Message is used also to report account specific accrued interests and capitalised interests. can be sent by SEB from all SEB bank accounts per customer agreement. Customer can also mandate SEB to receive other banks' End-of-Day reporting in mt940 format and deliver that further to SEB's customer in Message format.

5 And messages are available only for the SEB. accounts in sites: SE, FI, DK, NO, DE, PL, UK. The diagrams below show the main building blocks of the , and messages. Please note, that the technical structure of the and is exactly the same. Only the 053 Stmt element name is replaced by the Rpt element name and the Root element names differ with using BkToCstmrStmt and using BkToCstmrAcctRpt. All numbers preceding elements in this document refers to Index in the ISO 20022 Message Definition report. 4. SEB ISO 20022 MIG for the messages , and / Version General remarks J The , and can contain several accounts, one on each Report, Statement or Notification level.

6 J at this moment SEB offers only with balances. The transaction report will be deployed later. The content is indicated in GrpHdr AddtlInf as /BALN/ when reporting only the balances, J SEB offers either with debits and credits mixed, only credits or only debits. The content is indicated in GrpHdr AddtlInf as /NOTF/ when reporting both debits and credits, /DEBT/ when only debits and /CRED/ when only credits. J The transaction information sent in is also stated in the with same Refs in NtryDtls AcctSvcrRef and if applicable MsgId, PmtInfId, InstrId and EndToEndId. J Account layout: customer to instruct if IBAN or BBAN layout to be used in Account.

7 J Sweeps and Zero balancing are identified by the Bank Tranaction Code (BTC). Counter account with BIC is stated in DbtrAcct/CdtrAcct DbtrAgt/CdtrAgt and in RmtInf. Accounts can be reported in IBAN layout if that option is chosen. J Accrued and Capitalised interest reports are delivered daily or monthly. The daily delivery option is covering also non-banking days as the interest is calculated every day. Customer can agree the interest report delviery per account that the report is needed or by giving only the Nordic Cash Pool top account when SEB adds automatically all sub-accounts into the report based on the account structure at SEB.

8 On the Report / Statement / Notification level SEB states: J Unique Report / Statement / Notification Id J Account number, currency and account owner J Account holding branch with BIC. J Top account if the account is part of a pool J Number of entries and sums. In the Account Report this information is excluded as the inclusion of the intra-day transaction report will be later. for and J Sequence number J Reporting date covered by the Message J Interest conditions for the time covered by the statement J Balances including reporting of any limits on the Entry level (not included in the ). J UInique Entry/Account Servicer Id J Entry details J Booked amounts, booking and value dates, BankTransaction Codes J Bg number for payments via the Swedish Bankgiro J Interest report having the internal / external indicator and interest date on the Entry/Transaction details level for debits, J References J Amounts with possible currency exchange information J Debtor name (not id).

9 J Debtor account J possible ultimate debtor J Creditor name and id J Creditor account J Creditor agent J possible ultimate creditor 5. SEB ISO 20022 MIG for the messages , and / Version J Purpose code J Remittance information if needed on the Entry/Transaction details level for credits, J available payment references J Amounts with possible currency exchange information J Debtor name (not id). J Debtor account only in German domestic transaction case J possible ultimate debtor J Creditor name and possible id J possible ultimate creditor J Purpose code J All available remittance information on the Transaction details level for Accrued Interest report, J Accrued debit interest J Accrued credit interest J Accrued overdraft interest J Accrued debit interest adjustment J Accrued credit interest adjustment J Accrued overdraft interest adjustment J Account for capitalisation of interest J Counter account for internal posting (Nordic Cash Pool internal interest.)

10 On the Transaction details level for Capitalised Interest report, J Total Posted Debit interest with period from -> to J Total Posted Credit interest with period from -> to J Total Posted Overdraft Interest with period from -> to J Posted Debit interest adjustment with period from -> to J Posted Credit interest adjustment with period from -> to J Posted Overdraft interest adjustment with period from -> to J Account for capitalization of interest J Counter account for internal posting (Nordic Cash Pool internal interest.). 6. SEB ISO 20022 MIG for the messages , and / Version 2. Message structure , and Index &.