Product Portfolio

The Product Portfolio tab displays the banking products associated with the customer, such as credit line, personal loans, credit cards, and others.

Assets Products

The Assets Products section contains the bellow contract types, By default, the active records are displayed but the inactive ones can also be viewed by changing the status filter to Inactive. To view additional information, double-click on a record. Depending on the banking product selected, certain tabs are displayed.

Term Loan - banking product which defines a loan for a specific amount that has a specified repayment schedule and either a fixed or floating interest rate. For more details see the Term Loans page.

Overview

The Overview tab displays further elements such as the product type, account details, or contract details.

For the General Data section, the following data is displayed:

Field	Required	DataType	Details
Banking Product	No	Read Only	The customer's banking product name. For example: Current Account.
Amount	No	Read Only	The term loan amount.
Main Bank Account	No	Read Only	The main bank account number.
Used amount	No	Read Only	The used amount.
Contract Number	No	Read Only	The contract number.
Unused amount	No	Read Only	The unused amount.
Activation Date	No	Read Only	The activation date of the term loan.
Currency	No	Read Only	The term loan currency.
Reimbursement Account	No	Read Only	The current account used for collecting the installments.
Disbursement Account	No	Read Only	The account where the disbursements are performed.
Close Date	No	Read Only	The close date of the term loan.

For the Product Interest Rate section, the following data is displayed:

Field	Required	DataType	Details
Product Interest	No	Read Only	The interest rate applied to the banking product.
Margin	No	Read Only	The margin.
Total Interest Rate	No	Read Only	The total value of the interest rate.
Reference Rate	No	Read Only	The reference rate of the overdraft valid at the reference date rate.
Reference Rate Date	No	Read Only	The reference rate date.

For the Repayment Overview section, the following data is displayed:

Field	Required	DataType	Details
Contract period	No	Read Only	The contract period.
Contract Period Type	No	Read Only	The contract period type for example: months years, and so on.
Maturity Date	No	Read Only	The contract maturity date.
Due Date	No	Read Only	The installment repayment date.
Number of Installments	No	Read Only	The number of installments.
Periodicity Type	No	Read Only	The time interval for the repayment schedule, for example: once, days, years, months, weeks.
Schedule Type	No	Read Only	The schedule type, for example, equal installments, equal principal.

For the Grace Period section, the following data is displayed:

Field	Required	DataType	Details
Principal Grace Period (Months)	No	Read Only	The value in months for the grace period for principal repayment of a contract.
Interest Grace Period (Months)	No	Read Only	The value in months for the grace period for interest repayment of a contract.

For the Contract Participants section, the following data is displayed:

Field	Required	DataType	Details
Status	No	Read Only	The status of the participant: active or inactive.
Participant	No	Read Only	The participant's name.
Role	No	Read Only	The role of the participant in the contract.
Start Date	No	Read Only	The start date of the contract.
End Date	No	Read Only	The end date of the contract.

For the Contract Tranche section, the following data is displayed:

Field	Required	DataType	Details
Status	No	Read Only	The status of the contract tranche: active or inactive.
Tranche Date	No	Read Only	The date of the disbursement tranche.
Tranche Percent	No	Read Only	The percentage from the contract value (amount) that has to be disbursed with a tranche.
Amount	No	Read Only	The amount from the contract value that has to be disbursed with this tranche.
Unusage Commission Percent	No	Read Only	The commission percent applicable for the unused loan amount from a tranche
Interest Percent	No	Read Only	The interest percent applicable for a tranche, if it is different from the interest rate applicable for the entire contract.
Created On	No	Read Only	The record creation date.
External ID	No	Read Only	The record external ID.

For the Contract Covenants section, the following data is displayed:

Field	Required	DataType	Details
Covenant	No	Read Only	The covenant, for example, the borrower should perform tax obligations, the lender can monitor the borrower's current ratio, the lender posses the right to prevent merges or acquisitions.
Value	No	Read Only	The covenant value.
Covenant Type	No	Read Only	The covenant type, for example: financial, affirmative, negative. For additional information see the Availability section of the Current Accounts with Overdraft page.
Review Date	No	Read Only	The date when the covenant has to be reviewed.
Review Frequency (Months)	No	Read Only	The number of months after which the covenant has to be reviewed.
Created On	No	Read Only	The record creation date.
External ID	No	Read Only	The record external ID.

Fees & Commisions

For the Contract Fees section, the following data is displayed:

Field	Required	DataType	Details
Fee Name	No	Read Only	The name of the fee.
Currency	No	Read Only	The currency of the fee.
Periodicity Type	No	Read Only	The type of periodicity. For example, monthly, quarterly, or annual.
Percent Fee	No	Read Only	The commission percentage applicable, if the commission is defined as a percentage.
Negotiated Fee	No	Bool	If true, the fee is negotiated.
Value Fee	No	Read Only	The commission value applicable, if the commission was defined as a value
Created On	No	Read Only	The record creation date.

Contract

For the Documents section, the following data is displayed:

Field	Required	DataType	Details
Account	No	Lookup	The customer's account.
Contract	No	Lookup	The contract number.
Document Type	No	Option Set	Select the contract type from the following options: Agreement Contract Application External Report Statement Other Documents
Entity Id	No	Text	The entity ID.
Entity	No	Lookup	The entity name.
External ID	No	Text	The external ID.
File	No	File	Select the document to attach it to the customer's account.
Name	No	Text	The document name.

Credit Card - banking product that allows the customer to make purchases without bringing out any amount of cash. Instead, the customer borrows funds from the issuing bank, to make purchases. For more details see the Credit Cards page.

Overview

The Overview tab displays further elements such as the product type, account details, or contract details.

For the General Data section, the following data is displayed:

Field	Required	DataType	Details
Banking Product	No	Read Only	The customer's banking product name. For example: Current Account.
Amount	No	Read Only	The term loan amount.
Main Bank Account	No	Read Only	The main bank account number.
Used amount	No	Read Only	The used amount.
Contract Number	No	Read Only	The contract number.
Unused amount	No	Read Only	The unused amount.
Activation Date	No	Read Only	The activation date of the credit card.
Currency	No	Read Only	The term loan currency.
Bank Account IBAN	No	Read Only	The customer's IBAN number.
Close Date	No	Read Only	The close date of the credit card.

For the Product Interest Rate section, the following data is displayed:

Field	Required	DataType	Details
Product Interest	No	Read Only	The interest rate applied to the banking product.
Margin	No	Read Only	The margin.
Total Interest Rate	No	Read Only	The total value of the interest rate.
Reference Rate	No	Read Only	The reference rate of the overdraft valid at the reference date rate.
Reference Rate Date	No	Read Only	The reference rate date.

For the Repayment Overview section, the following data is displayed:

Field	Required	DataType	Details
Contract period	No	Read Only	The contract period.
Contract Period Type	No	Read Only	The contract period type for example: months years, and so on.
Maturity Date	No	Read Only	The contract maturity date.
Due Date	No	Read Only	The installment repayment date.
Minimum Payment amount	No	Read Only	The minimum payment amount.

For the Grace Period section, the following data is displayed:

Field	Required	DataType	Details
Credit Card Grace Period	No	Read Only	The grace period for the credit card.

For the Contract Participants section, the following data is displayed:

Field	Required	DataType	Details
Status	No	Read Only	The status of the participant: active or inactive.
Participant	No	Read Only	The participant's name.
Role	No	Read Only	The role of the participant in the contract.
Start Date	No	Read Only	The start date of the contract.
End Date	No	Read Only	The end date of the contract.

For the Contract Covenants section, the following data is displayed:

Field	Required	DataType	Details
Covenant	No	Read Only	The covenant, for example, the borrower should perform tax obligations, the lender can monitor the borrower's current ratio, the lender posses the right to prevent merges or acquisitions.
Value	No	Read Only	The covenant value.
Covenant Type	No	Read Only	The covenant type, for example: financial, affirmative, negative. For additional information see the Availability section of the Current Accounts with Overdraft page.
Review Date	No	Read Only	The date when the covenant has to be reviewed.
Review Frequency (Months)	No	Read Only	The number of months after which the covenant has to be reviewed.
Created On	No	Read Only	The record creation date.
External ID	No	Read Only	The record external ID.

Fees & Commisions

For the Contract Fees section, the following data is displayed:

Field	Required	DataType	Details
Fee Name	No	Read Only	The name of the fee.
Currency	No	Read Only	The currency of the fee.
Periodicity Type	No	Read Only	The type of periodicity. For example, monthly, quarterly, or annual.
Percent Fee	No	Read Only	The commission percentage applicable, if the commission is defined as a percentage.
Negotiated Fee	No	Bool	If true, the fee is negotiated.
Value Fee	No	Read Only	The commission value applicable, if the commission was defined as a value
Created On	No	Read Only	The record creation date.

Contract

For the Documents section, the following data is displayed:

Field	Required	DataType	Details
Account	No	Lookup	The customer's account.
Contract	No	Lookup	The contract number.
Document Type	No	Option Set	Select the contract type from the following options: Agreement Contract Application External Report Statement Other Documents
Entity Id	No	Text	The entity ID.
Entity	No	Lookup	The entity name.
External ID	No	Text	The external ID.
File	No	FIle	Select the document to attach it to the customer's account.
Name	No	Text	The document name.

Overdraft (Current Account with Overdraft) - an extension of the credit from a lending institution that is granted when an account reaches zero. For more details see the Overdrafts page.

Overview

The Overview tab displays further elements such as the product type, account details, or contract details.

For the General Data section, the following data is displayed:

Field	Required	DataType	Details
Banking Product	No	Read Only	The customer's banking product name. For example: Current Account.
Bank Account IBAN	No	Read Only	The customer's IBAN number.
Main Bank Account	No	Read Only	The main bank account number.
Balance	No	Read Only	The account's balance.
Contract Number	No	Read Only	The contract number.
Currency	No	Read Only	The account's currency.
Activation Date	No	Read Only	The date the account was activated.
Close Date	No	Read Only	The date account was closed.
Bundle Type	No	Read Only	The bundle type.
No of Debit Cards	No	Read Only	The number of debit cards associated with the account.
Bundle Attached	No	Bool	If true, the contract is part of a bundle.
Debit Card Attached	No	Bool	If true, the contract has a debit card attached.
Overdraft Attached	No	Bool	If true, the contract has an overdraft attached to the account.
Set Off Exception	No	Bool	If true, an exception is set.

For the Product Interest Rate section, the following data is displayed:

Field	Required	DataType	Details
Product Interest	No	Read Only	The interest rate applied to the banking product.
Total Interest Rate	No	Read Only	The total value of the interest rate.

Overdraft

NOTE
This section is displayed only for Current Accounts with Overdraft baking products.

For the General Data section, the following data is displayed:

Field	Required	DataType	Details
Overdraft Contract Number	No	Read Only	The contract number of the overdraft.
Amount	No	Read Only	The amount of the overdraft.
Overdraft Activation Date	No	Read Only	The overdraft activation date.
Used Amount	No	Read Only	The used amount from the Amount field value.
Overdraft Close Date	No	Read Only	The overdraft close date.
Unused Amount	No	Read Only	The unused amount from the Amount field value

For the Product Interest Rate section, the following data is displayed:

Field	Required	DataType	Details
Overdraft Interest	No	Read Only	The interest rate of the overdraft. For example: EURIBOR 3M, ROBOR 6M.
Overdraft Margin	No	Read Only	The overdraft margin.
Overdraft Total Interest Rate	No	Read Only	The total interest rate of the overdraft which is the sum of the overdraft margin + the overdraft reference rate.
Overdraft Reference Rate	No	Read Only	The reference rate of the overdraft valid at the reference date rate.
Date for Review Overdraft Interest Rate	No	Read Only	The review date of the overdraft interest rate.
Overdraft Reference Rate Date	No	Read Only	The overdraft reference rate date.

For the Repayment Overview section, the following data is displayed:

Field	Required	DataType	Details
Contract Period	No	Read Only	The contract period.
Contract Period Type	No	Read Only	The contract period type.
Maturity Date	No	Read Only	The date of the final payment for the overdraft repayment.

For the Contract Participants section, the following data is displayed:

Field	Required	DataType	Details
Status	No	Read Only	The status of the participant: active or inactive.
Participant	No	Read Only	The participant's name.
Role	No	Read Only	The role of the participant in the contract.
Start Date	No	Read Only	The start date of the contract.
End Date	No	Read Only	The end date of the contract.

For the Contract Covenants section, the following data is displayed:

Field	Required	DataType	Details
Covenant	No	Read Only	The covenant, for example, the borrower should perform tax obligations, the lender can monitor the borrower's current ratio, the lender posses the right to prevent merges or acquisitions.
Value	No	Read Only	The covenant value.
Covenant Type	No	Read Only	The covenant type, for example: financial, affirmative, negative. For additional information see the Availability section of the Current Accounts with Overdraft page.
Review Date	No	Read Only	The date when the covenant has to be reviewed.
Review Frequency (Months)	No	Read Only	The number of months after which the covenant has to be reviewed.
Created On	No	Read Only	The record creation date.

Fees & Commisions

For the Contract Fees section, the following data is displayed:

Field	Required	DataType	Details
Fee Name	No	Read Only	The name of the fee.
Currency	No	Read Only	The currency of the fee.
Periodicity Type	No	Read Only	The type of periodicity. For example, monthly, quarterly, or annual.
Percent Fee	No	Read Only	The commission percentage applicable, if the commission is defined as a percentage.
Negotiated Fee	No	Bool	If true, the fee is negotiated.
Value Fee	No	Read Only	The commission value applicable, if the commission was defined as a value
Created On	No	Read Only	The record creation date.

Contract

For the Documents section, the following data is displayed:

Field	Required	DataType	Details
Account	No	Lookup	The customer's account.
Contract	No	Lookup	The contract number.
Document Type	No	Option Set	Select the contract type from the following options: Agreement Contract Application External Report Statement Other Documents
Entity Id	No	Text	The entity ID.
Entity	No	Lookup	The entity name.
External ID	No	Text	The external ID.
File	No	File	Select the document to attach it to the customer's account.
Name	No	Text	The document name.