S YSTEM (ORIMS) Outline Historical Timeline ERS Forms - - PowerPoint PPT Presentation

ONLINE REPORTING INFORMATION MANAGEMENT SYSTEM (ORIMS)

Outline

• Historical Timeline
• ERS Forms Rationalization
• Major Changes to Forms
• Proposed Basel II & III Forms (Jan. 16)
• Annual Banking Survey
• International Banking Statistics
• Weekly Interim Reports
• Credit (Asset) Quality
• Question & Answer Period
• Demo of ORIMS Portal

2

Historical Timeline for ERS Reporting

Prior to 2010 EDRS (Research) QRS (formerly BSD 1 & 2) MRS (BSD) November 2010 ERS (amalgamation of

Research & BSD)

January 2015 rERS (ORIMS)

3

REVISED EXCEL REPORTING SYSTEM (RERS)

ORIMS

4

FORMS RATIONALIZATION

Eliminated

Memo Items Sectoral Exposures Form 3A – Dormant Accounts Statement of Non-performing Assets & Provisions Trading Securities Market Risk Capital Charge Calculations

Enhanced

Statement of Assets & Contingent Liabilities Statement of Liabilities & Capital Reserves Statement of Assets & Liabilities by Zone Analysis of Mortgages Statement of Fiduciary Assets Statement of Profit & Loss Separation of On-balance and Off-balance Sheet Items (Capital Adequacy)

5

Statement of Assets & Contingent Liabilities Current Form Revised Form

6

Separation by Bahamas & Other Governments Locally Issued & Externally Issued Name changed from Registered Stocks & Other Securities to Long- term Securities

7

8

Statement of Assets & Contingent Liabilities

REMOVED

9

Statement of Assets & Contingent Liabilities

• 2. RELATED PARTY LOANS AND ADVANCES

2.1 Due from: other group companies 2.2 :directors, controllers and their associates 2.3 :non-group companies with which directors and controllers are associated 2.4 Of which: due from banks

Memo Items

• 6. ENCUMBERED ASSETS

10

• 1. RELATED PARTY DEPOSITS

1.1 Due to: other group companies 1.2 :directors, controllers and their associates 1.3 :non-group companies with which directors and controllers are associated 1.4 Of which: due to banks M E M O I T E M S

Statement of Liabilities & Capital Reserves Memo Items

Analysis of Deposits by Depositors

Current Form Revised Form

11

• 2. Savings Deposits

a) Resident (i) Public Corporations (ii) Public Financial Institutions (iii) Private Financial Institutions (iv) Business Firms (v) Private Individuals (vi) Other b) Non-Resident

• 2. Savings Deposits

a) Resident (i) Government (ii) Public Corporations (iii) Public Financial Institutions (iv) Private Financial Institutions (v) Business Firms (vi) Private Individuals (vii) Other b) Non-Resident Memorandum: of which:- (i) Central Govt. - Consolidated Fund Accounts (ii) Commissioners' Accounts (iii) Gov't. Minst./Dept. (See App. III) (iv) Deposit Fund

REMOVED REMOVED

Analysis of Loans & Overdrafts Classified by Sector, Currency & Maturity Current Form Revised Form

12

• 1. AGRICULTURE

a) Livestock & Dairying b) Food Crops c) Other

• 2. FISHERIES
• 3. MINING & QUARRYING
• 4. MANUFACTURING

a) Food & Non-Alcoholic Beverages b) Alcoholic Beverages & Tobaco c) Building Material & Metal Products d) Furniture & Wood Products e) Textiles, Clothing, etc. f) Petro-Chemicals, Chemical & Plastic Products g) Other Manufacturing S E C T O R

B$ NO. F/C B$ Over 10 Years Off Balance Sheet F/C

Mortgages Report

Current Form Revised Form

13

• 1. Residential Mortgages in Arrears:

Number Value

• 1. 1-29 Days
• 2. 30-59 Days
• 3. 60-89 Days
• 4. Over 90 Days
• 2. Arrears Over 90 Days

Value of Payments Due

• 3. Foreclosures

Number Residential Business (Secured By Property) O T H E R I T E M S Foreclosures Number Value Residential Business (Secured By Property) O T H E R I T E M S

REMOVED

Statement of Fiduciary Assets

14

1. A. (i) (ii) (iii) B. (i) (ii) (iii) 2. A. B. C. General Statistics - Number of Registered Companies Under Management General Statistics - Value of Fiduciary Assets of which: [See Note Below] Deposits Other (Please Specify) Other (Please Specify) Investment Funds/Collective Investment Schemes Other (Please Specify) Assets Under Custody Capital Market Instruments Total Number of Registered Companies under Management International Business Companies Deposits For Total Value of Fiduciary Assets - Breakdown by Asset Class Capital Market Instruments Assets Under Management

1. A. (i) (ii) (iii) B. (i) (ii) (iii) C. (i) (ii) (iii) 2. A. B. C. D.

Limited Liability Companies (LLC)

E.

Private Trust Companies

F.

Foundations

G.

Bahamas Executive Entities (BEE)

H.

Investment Condominiums

I.

Individual

J.

Other

Assets Under Management Assets Under Administration Deposits Capital Market Instruments Other (Please Specify) General Statistics - Number of Investment Holding Structures/Vehicles Trusts Capital Market Instruments

Total Number of Investment Holding Structures/Vehicles

International Business Companies Deposits Investment Funds/Collective Investment Schemes For Total Value of Fiduciary Assets - Breakdown by Asset Class Capital Market Instruments General Statistics - Value of Fiduciary Assets of which: [See Note Below] Deposits Other (Please Specify) Other (Please Specify) Assets Under Custody

Profit & Loss Statement

15

1. Interest Income Resident Loans Interbank Loans/Deposits Securities/Investments Other Interest Income Non-Resident Loans Interbank Loans/Deposits Securities/Investments Other Interest Income 2. Non-Interest Income Resident Loan Fees Non-Resident Loan Fees Securities Commission Dividend Income Net Foreign Exchange Income Other Non-Interest Income Operating Income: I.

• 1. Interest Income

Resident Loans Interbank Loans/Deposits Resident Securities/Investments Other Interest Income

• 2. Non-Interest Income

Resident Loan Fees Securities Commission Dividend Income Net Foreign Exchange Income Other Non-Interest Income Operating Income: I.

Current Form

Revised Form

Profit & Loss Statement

Current Form Revised Form

16

• 1. Interest Expense

Resident Deposits Demand Deposits Savings Deposits Fixed Deposits Interbank Loans/Deposits Borrowings from Head Office Central Bank Loans/Deposits Other Interest Expense

• II. Operating Expense:
• 1. Interest Expense

Resident Deposits Demand Deposits Savings Deposits Fixed Deposits Non-resident Deposits Interbank Loans/Deposits Borrowings from Head Office Central Bank Loans/Deposits Other Interest Expense

Profit & Loss Statement

Current Form Revised Form

17

• 1. Interest, Dividends & Profits, Etc.

Received on Non-Resident F/C Assets Paid on Non-Resident F/C Liabilities

• 2. Commissions, Charges, Fees, Etc.

Received on Offshore Transactions Paid on Offshore Transactions Offshore Management Fees

• 3. Employment

Number of Bahamians:

• 1. Male
• 2. Female

Number of Bahamians by Job Type:

• 1. Managerial
• 2. Administrative/Supervisory
• 3. Clerical/Secretarial
• 4. Other

Number of Non-Bahamians MEMORANDUM ITEMS: V.

• 3. Employment

Bahamians Non-Bahamians TOTAL Number of Employees:

• 1. Males
• 2. Females

Number of Temporary Bahamian Workers

• 1. Males
• 2. Females

Number of Employees by Job Type:

• 1. Executive Management
• 2. Middle Management
• 3. Technical/Non-Management
• 4. Clerical/Administrative Support
• 5. Other

Number of Employees employed permanently in:

• 1. Local (Commercial) Banking
• 2. Offshore Banking
• 3. Trust Administration
• 4. Other

Statement of Assets & Liabilities by Zone

Current Form Revised Form

18

1 Balance with Financial Institutions (outside Bahamas) a) Head Office or Branches: (i) Loans

• f which: Loans to Zone B Banks over 1 year

b) Others: (i) Fixed Deposits

• f which: Fixed Deposits to Zone A (excl. Bahamas) Banks < 1 yr maturity
• f which: Fixed Deposits to Zone B Banks < 1 yr maturity

(ii) Loans

• f which: Loans to Zone B Banks over 1 year

2 Loans and Advances b) Non-Resident: (i) Government a) Zone A (excluding Bahamas) Governments or Government-guaranteed b) Outside Zone A Governments (ii) Public Corporations a) Zone A (excluding Bahamas) Public Corporations b) Outside Zone A Public Corporations (iii) Public Financial Institutions a) Zone A (excluding Bahamas) Public Financial Institutions b) Outside Zone A Public Financial Institutions (iv) Residential Mortgages a) Zone A (excluding Bahamas) Residential Mortgages b) Outside Zone A Residential Mortgages (v) Other a) Zone A (excluding Bahamas) Other b) Outside Zone A Other 3 Government Securities a) Treasury Bills (up to 1 year original maturity) (i) Issued by The Bahamas Government (ii) Issued by Other Zone A Regional and Local Government (iii) Issued Outside Zone A b) Registered Stocks & Other Securities (i) Issued by The Bahamas Government (ii) Issued by Other Zone A Regional and Local Government (iii) Issued Outside Zone A 4 Investment (in Stocks & Shares) a) Domestic Securities (i) Public Corporation Bonds a) Financial b) Non-Financial (ii) Other Domestic Securities a) Banking and Other, Financial b) Non-Financial A S S E T S

1 Market Loans i) Balance with Financial Institutions (outside Bahamas) a) Head Office or Branches: (i) Demand Deposits

• f which: at Zone A bank s in freely convertible currency

(ii) Loans

• f which: at Zone A bank s with a residual maturity up to 180 days

(iii) Negotiable Paper Issued by Other Banks

• f which: at Zone A bank s

b) Others: (i) Demand Deposits

• f which: at Zone A bank s in freely convertible currency

(ii) Loans

• f which: at Zone A bank s with a residual maturity up to 180 days

(iii) Negotiable Paper Issued by Other Banks

• f which: at Zone A bank s

2 Government Securities - Other Government a) Treasury Bills (up to 1 year original maturity) (i) Issued by Zone A Central Gov ernment b) Long-term Securities (i) Issued by Zone A Central Gov ernment 3 Investment (in Stocks & Shares) a) Domestic Securities (i) Public Corporation Bonds a) Financial b) Non-Financial (ii) Other Domestic Securities a) Banking and Other, Financial b) Non-Financial 1 Market Receivables i) Due to Financial Institutions (outside Bahamas) a) Head Office or Branches: (i) Demand Deposits

• f which: at Zone A bank s in freely convertible currency

b) Others: (i) Demand Deposits

• f which: at Zone A bank s in freely convertible currency

A S S E T S L I A B I L I T I E S

BASEL II & III FORMS

ORIMS

19

Capital Composition – Tier 1 Capital

Current Form Revised Form - Basel III

20

Item CORE CAPITAL - TIER 1 ($000s) 6.1 Ordinary shares/common stock (issued and paid up) 6.2 Perpetual non-cumulative preferred share/stock (issued and paid up) 6.3 Reserves 6.3.1 Share Premium Account 6.3.2 Disclosed prior years reserves (excluding item 6.9), etc. 6.3.3 Current year’s retained profit 6.4 Current year’s losses 6.5 Minority Interests (in Tier One Capital) 6.6 Total of Items 6.1 to 6.5 6.7 Goodwill and other intangible assets 6.8 TOTAL TIER ONE CAPITAL (Item 6.6 less 6.7)

Capital Breakdown

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Current Form Revised Form – Basel III

21

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++

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//00+ $ )!//+"" "" $/ &

Item CORE CAPITAL - TIER 1 ($000s) 6.1 Ordinary shares/common stock (issued and paid up) 6.2 Perpetual non-cumulative preferred share/stock (issued and paid up) 6.3 Reserves 6.3.1 Share Premium Account 6.3.2 Disclosed prior years reserves (excluding item 6.9), etc. 6.3.3 Current year’s retained profit 6.4 Current year’s losses 6.5 Minority Interests (in Tier One Capital) 6.6 Total of Items 6.1 to 6.5 6.7 Goodwill and other intangible assets 6.8 TOTAL TIER ONE CAPITAL (Item 6.6 less 6.7)

Capital Breakdown

Current Form Revised Form – Basel III

22

SUPPLEMENTARY CAPITAL - TIER 2 6.9 Fixed asset revaluation reserve 6.10 Other Assets Revaluation Reserves 6.11 General provisions 6.12 Hybrid (debt/equity) instruments 6.13 Subordinated term debt 6.14 Minority Interests (in Tier 2 capital) LESS ADJUSTMENTS TO CAPITAL 6.15 Excess general provisions 6.16 Excess Tier 2 subordinated debt 6.17 Amortization on Tier 2 subordinated debt 6.18 Total of (items 6.9 to 6.14) less total of (items 6.15 to 6.17) 6.19 Tier 2 capital in excess of the overall limit/Excess Tier 2 capital 6.20 TOTAL ELIGIBLE TIER TWO CAPITAL (Items 6.18 less 6.19) 6.21 TOTAL BASE CAPITAL (TIER 1 + TIER 2)

!" 1 %//""

• 2 //00
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"+ '# '#'# $ 3#

Current Form Revised Form

23

LESS ADJUSTMENTS TO BASE CAPITAL 6.22 6.23 6.24 6.25 Any undertakings by the bank to absorb designated first level of losses on claims supported by the bank. 6.26 TOTAL DEDUCTION TO BASE CAPITAL 6.27 TOTAL ELIGIBLE BASE CAPITAL Equity and other capital requirements in financial institutions held by the bank or its companies (where financial institution is not consolidated with the bank or its subsidiary) Equity and other capital requirements in subsidiary companies or associate (where not consolidated with the bank) Equity and other capital requirements in non-operating bank or financial holding company companies (where financial institution is not consolidated with the bank or its subsidiary)

2 #$ 2/ 4+5 2/ 36 2/$ " 2/& #6# #" 2/( 36#" 2/* %"" 2/, %7 2/1 !#6 2/2 '"

• 2/- 38

2/ 9.#"0 "6

• :

2/ #"0 "6-: 6 " 2/$ 5";; 2/& '5+ #

These are applicable to CET1, however, each tier has its own set of deductions.

Basel II – Credit Risk Capital Charge

Current Form Revised Form – Basel II

24

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• 1. Notes & Coins
• 2. Balance with Central Bank
• 3. Balance with Financial Institutions (in Bahamas)

(i) Demand Deposits (ii) Fixed Deposits (iii) Loans

• f which: Loans to Zone B banks over 1 year

(iv) Negotiable paper issued by other banks b) Other Local Financial Institutions (Authorized Agents) (i) Demand Deposits (ii) Fixed Deposits (iii) Loans

• f which: Loans to Zone B banks over 1 year

(iv) Negotiable paper issued by other banks c) Balance with "Offshore" Financial Institutions in Bahamas a) Commercial Banks (Authorized Dealers) ASSETS

25

$./ $./ $./ $./ !!!!!" !#!" #" #" $" & $./ $./ $./ $./ 1 1 1 1

• 20

20 20 20 !!!!!" !#!" #" #" $" & $./ $./ $./ $./ 1 1 1 1 /. /. /. /. 20 20 20 20 !!!!!" !#!" #" #" $" & *3 *3 *3 *3 */). */). */).

• 4. Balance with Financial Institutions (outside Bahamas)

a) Head Office or Branches: i) Demand Deposits ii) Fixed Deposits iii) Loans

• f which: Loans to Zone B banks over 1 year

iv) Negotiable paper issued by other banks b) Others: i) Demand Deposits ii) Fixed Deposits

• f which: Fixed Deposits to Zone A (excl. Bahamas) banks < 1 yr
• f which: Fixed Deposits to Zone B banks < 1 yr

iii) Loans

• f which: Loans to Zone B banks over 1 year

iv) Negotiable paper issued by other banks

Current Form Revised Form – Basel II

26

( ( ( ( 4 4 4 4 !/ !/ !/ !/ * * * * 5 5 5 5

• (

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7 7 7 78 7 7 7 78 7 7 7 778 7 7 7 78 7 7 7

• 78

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**=78 **=78 **=78 **=78

* <<';<(;);9!;!:&(* (?';' (!66@*!(*66!6A';9 &;4:' :( ;'* * <<';<(;);9!;!:&(* (?';' (!66@*!(*66!6A';9 &;4:' :( ;'* * <<';<(;);9!;!:&(* (?';' (!66@*!(*66!6A';9 &;4:' :( ;'* * <<';<(;);9!;!:&(* (?';' (!66@*!(*66!6A';9 &;4:' :( ;'*

**=78 **=78 **=78 **=78

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//"1" //"1" //"1" //"1" 2' 2' 2' 2' :3 :3 :3 :3 A. A. A. A. $*:< $*:< $*:< $*:< $*:< $*:< $*:< $*:< :3A. :3A. :3A. :3A. ! ! ! !

27

:3A. :3A. :3A. :3A. 182 182 182 182 * * * * * * * * = = = = : : : : / / / /

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* * * 5 5 5 5 " " " " *:< *:< *:< *:< * * * * 5 5 5 5 " " " " *:< *:< *:< *:< :3A. :3A. :3A. :3A. ! ! ! ! ! ! ! ! '(;:);:!;:6!;? '(;:);:!;:6!;? '(;:);:!;:6!;? '(;:);:!;:6!;? * (;:!*;) * (;:!*;) * (;:!*;) * (;:!*;) ! : 78 778 7 7 7 ! :B 78 78 7 7 7 ! :B 78 8 7 7 7 ! *$B C**=/ 78 8 7 7 7 ! *$./

• 78

7 7 7 ! *3 78 7 7 7 !%

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$*:< $*:< $*:< $*:< $*:< $*:< $*:< $*:< //"1?2 //"1?2 //"1?2 //"1?2

Operational Risk – Basel II

28

Date of the year end (dd-mm-yyyy) Year 1 Year 2 Year 3 Year Total gross income Alpha Capital charge 1900-01-00 15% 1900-01-00 15% 1900-01-00 15% Number of years with positive total gross income

A) Reporting period

B) Basic Indicator Approach (BIA)

Total gross (after negative GI adjustment)

:3 :3 :3 :3

Basic Indicator approach capital charge Operational Risk Equivalent Assets

Year Business line Beta Capital Charge 1900-01-00 Corporate finance 18% Trading & sales 18% Retail banking 12% Commercial banking 15% Payment & settlement 18% Agency services 15% Asset management 12% Retail brokerage 12% Total business 1900-01-00 Corporate finance 18% Trading & sales 18% Retail banking 12% Commercial banking 15% Payment & settlement 18% Agency services 15% Asset management 12% Retail brokerage 12% Total business 1900-01-00 Corporate finance 18% Trading & sales 18% Retail banking 12% Commercial banking 15% Payment & settlement 18% Agency services 15% Asset management 12% Retail brokerage 12% Total business Standardised approach capital charge Operational Risk Equivalent Assets

C) Standardised approach (TSA)

Total gross income

Operational Risk – Basel II

29

Year Business line Gross income Loans and Advances Beta Capital Charge 1900-01-00 Corporate finance 18% Trading & sales 18% Retail banking 12% Commercial banking 15% Payment & settlement 18% Agency services 15% Asset management 12% Retail brokerage 12% Total gross income/loans and advances 1900-01-00 Corporate finance 18% Trading & sales 18% Retail banking 12% Commercial banking 15% Payment & settlement 18% Agency services 15% Asset management 12% Retail brokerage 12% Total gross income/loans and advances 1900-01-00 Corporate finance 18% Trading & sales 18% Retail banking 12% Commercial banking 15% Payment & settlement 18% Agency services 15% Asset management 12% Retail brokerage 12% Total gross income/loans and advances

D) Alternative Standardised Approach (ASA)

Alternative Standardised approach capital charge Operational Risk Equivalent Assets

ANNUAL BANKING SURVEY

ORIMS

30

Current Form Revised Form

31

• Number of Temporary Bahamian Workers

32

!"#$%#&"

• '

() *#'+ ,'-./,0%.1

INTERNATIONAL BANKING STATISTICS (IBS)

ORIMS

33

Changes to IBS Reporting

• Before

– Country – Currency

• Now

– Country – Currency – Sector

• Banks
• Public Sector
• Households

34

WEEKLY INTERIM REPORTS

ORIMS

35

B$ Open Position Reporting

36 Foreign Currency Transactions

B$000's Previous B$ Position Purchases Sales B$ Position USD GBP OTHER TOTAL DEALS Type Institution Currency B$ Value Value Date Max 30

This allows for a maximum of 30 deals to be inputted per licensee

Weekly Interim - Assets

Current Form Revised Form

37

ASSETS

1) NOTES AND COINS 2) BALANCE WITH CENTRAL BANK 3) i) LOANS AND ADVANCES A) Government (excluding Treasury Bills & Registered Stocks) B) Public Corporations ( excluding securities) (See Appendix II) C) Public Financial Institutions (excluding securities) (See App II) D) Mortgages E) Other Residents (of which: Consumer Credit ) F) Non-Residents ii) G.T./L.C. Housing (government guaranteed)

• 1) NOTES AND COINS

2) BALANCE WITH CENTRAL BANK 3) i) LOANS AND ADVANCES A) Government (excluding Treasury Bills & Registered Stocks) B) Public Corporations ( excluding securities) (See Appendix II) C) Public Financial Institutions (excluding securities) (See App II) D) Mortgages E) Other Residents (of which: Consumer Credit - ADD-ON) APR F) Non-Residents ii) G.T./L.C. Housing (government guaranteed)

Memorandum: Assets Amount Max 5

• I. As per Operating instruction Circular LR 1/12/90, kindly list below the extent to which any of the eligible

assets used in the LAR calculations have been encumbered.

This allows for a maximum of 5 eligible assets

Weekly Interim - Liabilities

Current Form Revised Form

38

Memorandum

• I. Profit Remittances Date: ___/___/___

Amount: ____________

• II. Government Deposits

Demand Fixed

• f which:-

I) Central Government - Consolidated Fund Accounts ii) Commissioner's Accounts iii) Government Ministries/Departments (See Appendix IV) iv) Deposit Fund

Memorandum

Date Amount

• I. Profit Remittances
• II. Government Deposits

Demand Fixed

• f which:-

I) Central Government - Consolidated Fund Accounts ii) Commissioner's Accounts iii) Government Ministries/Departments (See Appendix IV) iv) Deposit Fund

CREDIT (ASSET) QUALITY REPORT

ORIMS

39

Credit Quality

40

31-60 Days 61-90 Days 91-180 Days Over 180 Days

• 1. AGRICULTURE
• 2. FISHERIES
• 3. MINING & QUARRYING
• 4. MANUFACTURING
• 5. DISTRIBUTION
• 6. TOURISM
• 7. ENTERTAINMENT & CATERING
• 8. TRANSPORT
• 9. PUBLIC CORPORATIONS
• 10. CONSTRUCTION

10a.

• f which: Other Construction
• 11. PERSONAL

11a.

• f which: Residential Mortgages

11b.

• f which: Land Purchases (Real Estate)
• 12. GOVERNMENT
• 13. PUBLIC FINANCIAL INSTITUTIONS
• 14. PRIVATE FINANCIAL INSTITUTIONS
• 15. PROFESSIONAL & OTHER SERVICES
• 16. MISCELLANEOUS

17. Total Current Loans, Aging of Past Dues and Non-Performing Loans by Sector

Summary of Current Loans, Arrears and Provisions

S E C T O R Total Arrears Current Loans Total Credit Portfolio

+

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41