demo-alfa-with-fire-json-model
fire.model.account
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.
Local Fields
| Name | Datatype | Description |
|---|---|---|
| date | datetime | The observation or value date for the data in this object. Formatted as YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. |
| last_recovery_date | datetime ? | Date of most recent recovery in the reporting quarter. |
| risk_weight_std | double ? | The standardised approach risk weight represented as a decimal/float such that 1.5% is 0.015. |
| accounting_treatment |  fire.model.accounting_treatment ? |
|
| impairment_status | fire.model.impairment_status ? |
|
| ccf | double(0.0, *) ? | |
| impairment_amount | int(0, *) ? | The impairment amount is the allowance set aside by the firm that accounts for the event that the asset becomes impaired in the future. |
| reporting_entity_name | string ? | The name of the reporting legal entity for display purposes. |
| orig_credit_score | int ? | The credit score of the customer at origination of the product using a commercially available credit bureau score. |
| source | string ? | 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 |
| day_count_convention | fire.model.day_count_convention ? |
The standardised methodology for calculating the number of days between two dates. It is used to calculate the amount of accrued interest or the present value. |
| type | fire.model.account_type ? |
This is the type of the account with regards to common regulatory classifications. |
| arrears_balance | int ? | 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. |
| ledger_code | string ? | The internal ledger code or line item name. |
| balance | int ? | The contractual balance on the date and in the currency given. Monetary type represented as a naturally positive integer number of cents/pence. |
| limit_amount | int ? | The minimum balance the customer can go overdrawn in their account. |
| resolution_date | datetime ? | Date of resolution of the defaulted facility. |
| pd_irb_ec | double(0.0, 1.0) ? | The probability of default as determined by internal ratings-based approach. Expressed as a percentage between 0 and 1. This value is used in economic capital calculations. |
| facility_id | string ? | The code assigned by the financial institution to identify a facility. |
| id | string | The unique identifier for the record within the firm. |
| withdrawal_penalty | int ? | 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. |
| lgd_floored | double(0.0, 1.0) ? | The final LGD value after the relevant floors have been applied. To be used in the IRB RWA calculations. |
| call_dates | list< datetime > ? | Dates where this contract can be called (by the customer). Formatted as YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. |
| orig_limit_amount | int ? | The original line of credit amount that was granted at the origination of the facility |
| mtd_interest_paid | int ? | Month to date interest added to account as a naturally positive integer number of cents/pence. |
| count | int(1, *) ? | Describes the number of accounts aggregated into a single row. |
| last_payment_date | datetime ? | The final payment date for interest payments, often coincides with end_date. |
| product_name | string ? | The name of the product as given by the financial institution to be used for display and reference purposes. |
| country_code | fire.model.country_code ? |
Two-letter country code for account location/jurisdiction. In accordance with ISO 3166-1. |
| review_date | datetime ? | The currently scheduled review date for Counterparty exposure. This date should be set in the future. Formatted as YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. |
| base_rate | fire.model.account_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. |
| last_write_off_date | datetime ? | Date of Financial Institution's most recent Write Off in the reporting quarter. |
| asset_liability | fire.model.asset_liability ? |
|
| first_payment_date | datetime ? | The first payment date for interest payments. |
| last_drawdown_date | datetime ? | The last date on which a drawdown was made on this account (overdraft). |
| cost_center_code | string ? | The organizational unit or sub-unit to which costs/profits are booked. |
| status | fire.model.account_status ? |
Describes if the Account is active or been cancelled. |
| end_date | datetime ? | The end or maturity date of the account. Format should be YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601 |
| pd_irb | double(0.0, 1.0) ? | The probability of default as determined by internal ratings-based approach. Expressed as a percentage between 0 and 1. This value is used in regulatory capital calculations. |
| purpose | fire.model.account_purpose ? |
The purpose for which the account was created or is being used. |
| risk_country_code | fire.model.country_code ? |
Two-letter country code describing where the risk for the account resides. In accordance with ISO 3166-1 |
| fraud_loss | int ? | The total value of accounting losses incurred by the Financial Institution due to fraudulent activities within the reporting segment. |
| ead | int ? | The EAD field allows users to input monetary exposure-at-default values across the loan's lifecycle. Upon default, this field must be updated to reflect the final realised EAD value — that is, the actual exposure outstanding at the moment of default. |
| fvh_level | int(1, 3) ? | Fair value hierarchy category according to IFRS 13.93 (b) |
| rollover_date | datetime ? | A particular predetermined date at which an account is rolled-over. |
| encumbrance_type | fire.model.account_encumbrance_type ? |
The type of the encumbrance causing the encumbrance_amount. |
| interest_repayment_frequency | fire.model.account_interest_repayment_frequency ? |
Repayment frequency of the interest. |
| mtd_withdrawals | int ? | Month to date amount withdrawn from the account as a naturally positive integer number of cents/pence. |
| regulatory_book | fire.model.regulatory_book ? |
|
| behavioral_curve_id | string ? | The unique identifier for the behavioral curve used by the financial institution. |
| currency_code | fire.model.currency_code ? |
Actual currency of the Account in accordance with ISO 4217 standards. It should be consistent with balance, accrued_interest, guarantee_amount and other monetary amounts. |
| next_payment_date | datetime ? | The next date at which interest will be paid or accrued_interest balance returned to zero. |
| rate_type | fire.model.account_rate_type ? |
Describes the type of interest rate applied to the account. |
| minimum_balance | int ? | Indicates the minimum balance of each account within the aggregate. Monetary type represented as a naturally positive integer number of cents/pence. |
| on_balance_sheet | boolean ? | Is the account or deposit reported on the balance sheet of the financial institution? |
| rate | double ? | The full interest rate applied to the account balance in percentage terms. Note that this therefore includes the base_rate (ie. not the spread). |
| insolvency_rank | int(1, *) ? | The insolvency ranking as per the national legal framework of the reporting institution. |
| capital_tier | fire.model.account_capital_tier ? |
The capital tiers based on own funds requirements. |
| cr_approach | fire.model.cr_approach ? |
Specifies the approved credit risk rwa calculation approach to be applied to the exposure. |
| economic_loss | int ? | The definition of loss, used in estimating Loss Given Default for the reporting segment. When measuring economic loss, as opposed to accounting loss |
| guarantee_amount | int(0, *) ? | 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. |
| prev_payment_date | datetime ? | The most recent previous date at which interest was paid or accrued_interest balance returned to zero. |
| default_date | datetime ? | Date of default. |
| forbearance_date | datetime ? | 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 |
| encumbrance_amount | int(0, *) ? | 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. |
| break_dates | list< datetime > ? | Dates where this contract can be broken (by either party). Formatted as YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. |
| frr_id | string ? | The internal facility risk rating assigned to a facility based on its specific risk characteristics, including collateral and seniority. |
| parent_facility_id | string ? | The parent code assigned by the financial institution to identify a facility. |
| start_date | datetime ? | The timestamp that the trade or financial product commences. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. |
| guarantee_scheme | fire.model.account_guarantee_scheme ? |
The Government Deposit Scheme scheme under which the guarantee_amount is guaranteed. |
| impairment_type | fire.model.impairment_type ? |
|
| mtd_deposits | int ? | Month to date amount deposited within the account as a naturally positive integer number of cents/pence. |
| behavioral_end_date | datetime ? | Behavioral end date (as opposed to contractual). YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601 |
| impairment_date | datetime ? | The date upon which the product became considered impaired. Format should be YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601 |
| uk_funding_type | fire.model.account_uk_funding_type ? |
Funding type calculated according to BIPRU 12.5/12.6 |
| reporting_id | string ? | The internal ID for the legal entity under which the account is being reported. |
| version_id | string ? | The version identifier of the data such as the firm's internal batch identifier. |
| trade_date | datetime ? | The timestamp that the trade or financial product terms are agreed. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. |
| lgd_irb | double(0.0, 1.0) ? | The loss given default as determined by internal ratings-based approach. Expressed as a percentage between 0 and 1. This value is used in regulatory capital calculations. |
| lgd_irb_ec | double(0.0, 1.0) ? | The loss given default as determined by internal ratings-based approach. Expressed as a percentage between 0 and 1. This value is used in economic capital calculations. |
| minimum_balance_eur | int ? | Indicates the minimum balance, in Euros, of each account within the aggregate. Monetary type represented as a naturally positive integer number of cents/pence. |
| cum_write_offs | int(0, *) ? | The portion of the loan which has been written off. |
| ead_irb_ec | int ? | The expected gross dollar exposure for each facility upon a borrower's default as determined by internal ratings-based approach. This value is used in economic capital calculations. |
| first_arrears_date | datetime ? | The first date on which this account was in arrears. |
| next_withdrawal_date | datetime ? | The next date at which customer is allowed to withdraw money from this account. |
| acc_fv_change_before_taxes | int ? | Accumulated change in fair value before taxes. |
| accrued_interest | int ? | 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. |
| customer_id | string ? | The unique identifier used by the financial institution to identify the customer that owns the account. |
| next_repricing_date | datetime ? | The date on which the interest rate of the account will be re-calculated. YYYY-MM-DDTHH:MM:SSZ in accordance with ISO 8601. |
| seniority | fire.model.account_seniority ? |
The seniority of the security in the event of sale or bankruptcy of the issuer. |
