ISO 20022

Bank-to-Customer Cash Management

Approved by the Payments SEG on 28 January 2013

Message Definition Report - Part 1

Edition 31 May 2013

Bank-to-Customer Cash Management Edition 31 May 2013

Table of contents
1. Introduction............................................................................................ 3
1.1 Terms and definitions .............................................................................3
1.2 Glossary .................................................................................................3
1.3 Document Scope and Objectives .............................................................4
1.4 References ..............................................................................................5
2. Scope and Functionality ....................................................................... 6
2.1 Background ............................................................................................6
2.2 Scope......................................................................................................6
2.3 Groups of MessageDefinitions and Functionality ....................................6
2.3.1 Three reporting messages ..........................................................6
2.3.2 Three reporting messages ..........................................................6
3. BusinessRoles and Participants .......................................................... 6
4. BusinessProcess Description .............................................................. 8
4.1 BusinessProcess Diagram .......................................................................8
5. Description of BusinessActivities ...................................................... 11
5.1 BusinessActivity – Cash Positioning ......................................................11
5.2 BusinessActivity – Notification to Account Owner ................................13
5.3 BusinessActivity – Transaction Reconciliation (1) .................................15
5.4 BusinessActivity – Transaction Reconciliation (2) .................................17
6. BusinessTransactions ........................................................................ 19
6.1 Reporting BusinessTransaction.............................................................19
6.2 Reporting through a Forwarding Agent BusinessTransaction ................ 20
6.3 Reporting Request to Account Servicer BusinessTransaction ...............21
7. Business examples ............................................................................. 23
7.1 BankToCustomerAccountReport - Business Example 1 ........................23
7.2 BankToCustomerStatement - Business Example 1 ................................27
7.3 BankToCustomerDebitCreditNotification - Business Example 2 ........... 33
7.4 AccountReportingRequest - Business Example 1 ..................................36
8. Revision Record .................................................................................. 38

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1. Introduction

1.1 Terms and definitions

The following terms are reserved words defined in ISO 20022 Edition 2013 – Part1. When used in this
document, they will be in italic and follow the UpperCamelCase notation.

Term Definition
functional role played by a business actor in a particular BusinessProcess
BusinessRole
or BusinessTransaction
Participant involvement of a BusinessRole in a BusinessTransaction
unrealized definition of the business activities undertaken by BusinessRoles
within a BusinessArea whereby each BusinessProcess fulfils one type of
BusinessProcess
business activity and whereby a BusinessProcess may include and extend
other BusinessProcesses
particular solution that meets the communication requirements and the
BusinessTransaction
interaction requirements of a particular BusinessProcess and BusinessArea
MessageDefinition formal description of the structure of a MessageInstance

1.2 Glossary
Acronyms

Acronym Definition
ISTH International Standards Team Harmonisation
ISITC International Securities Association for Institutional Trade Communication
IFX Interactive Financial eXchange Forum
TWIST Transaction Workflow Innovation Standards Team
OAGi Open Application Group

Abbreviations

Abbreviation Definition

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1.3 Document Scope and Objectives

This document is the first part of the ISO 20022 Message Definition Report (MDR) that describes the
BusinessTransactions and underlying message set. For the sake of completeness, the document may
also describe BusinessActivities that are not in the scope of the project.
This document sets:
- The BusinessProcess scope (business processes addressed or impacted by the project)
- The BusinessRoles involved in these BusinessProcesses

The main objectives of this document are:

- To explain what BusinessProcesses and BusinessActivities these MessageDefinitions have
addressed
- To give a high level description of BusinessProcesses and the associated BusinessRoles
- To document the BusinessTransactions and their Participants (sequence diagrams)
- To list the MessageDefinitions

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1.4 References

Document Version Date Author

ISO 20022 Business Justification – Bank-to-Customer Cash
2007-04-20 ISTH
Management
ISO 20022 Business Justification – Cash Account Reporting
2011-01-19 SWIFT
Request and Notification Messages

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2. Scope and Functionality

2.1 Background
This Message Definition Report covers a set of 4 ISO 20022 MessageDefinitions developed by SWIFT,
on behalf of IFX, TWIST, OAGi and SWIFT, and have been approved by the ISO 20022 Payments
Standards Evaluation Group (SEG) on 28 Jan 2013. These messages are specifically designed to
support reporting of cash transactions between an account servicer and its customers.

2.2 Scope
The set of messages covers the cash management requirements in the Bank-to-Customer space. They
consist of the debit and credit advices and statements forwarded by an account servicing institution to its
private or corporate account owners to provide information on the cash side of all types of financial
transactions. The scope does not include the advices and statements exchanged between financial
intermediaries.

2.3 Groups of MessageDefinitions and Functionality

This set of messages includes the following messages definitions:

2.3.1 Three reporting messages

• The BankToCustomerAccountReport message: sent by the account servicer to an account owner
or to a party authorised by the account owner to receive the message. It can be used to inform the
account owner, or authorised party, of the entries reported to the account, and/or to provide the
owner with balance information on the account at a given point in time;
• The BankToCustomerStatement message: sent by the account servicer to an account owner or to
a party authorised by the account owner to receive the message. It is used to inform the account
owner, or authorised party, of the entries booked to the account, and to provide the owner with
balance information on the account at a given point in time;
• The BankToCustomerDebitCreditNotification message: sent by the account servicer to an
account owner or to a party authorised by the account owner to receive the message. It can be used
to inform the account owner, or authorised party, of single or multiple debit and/or credit entries
reported to the account.

2.3.2 One request message

• The AccountReportingRequest message: sent by the account owner, either directly or through a
forwarding agent, to one of its account servicing institutions. It is used to ask the account servicing
institution to send a report on the account owner's account in a BankToCustomerAccountReport, a
BankToCustomerStatement or a BankToCustomerDebitCreditNotification.
The scopes of the messages are defined in the MDR part 2.

3. BusinessRoles and Participants

A BusinessRole represents an entity (or a class of entities) of the real world, physical or legal, a person, a group of
persons, a corporation. Examples of BusinessRoles: “Financial Institution”, “ACH”, “CSD”.
A Participant is a functional role performed by a BusinessRole in a particular BusinessProcess or
BusinessTransaction: for example the “user” of a system, “debtor”, “creditor”, “investor” etc.

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Bank-to-Customer Cash Management BusinessRoles and Participants

The relationship between BusinessRoles and Participants is many-to-many. One BusinessRole (that is, a person)
can be involved as different Participants at different moments in time or at the same time: "user", "debtor”, "creditor",
"investor", etc. Different BusinessRoles can be involved as the same Participant.
In the context of Bank-to-Customer Cash Management, the high-level BusinessRoles and typical Participants can be
represented as follows.

Participants and BusinessRoles definitions

Description Definition
Participants
(Account) Servicer (Role) Party that manages the account on behalf of the account owner (that is,
manages the registration and booking of entries on the account,
calculates balances on the account and provides information about the
account), or the party that has a contractual relationship with the owner
(for example, market data provider).
(Account) Owner (Role) Party that legally holds the account or the party in a contractual
relationship with the servicer.
Recipient Party authorised by the account owner to receive information about
movements on the account.
Forwarding Agent Financial institution that receives the instruction from the initiating party
and forwards it to the next agent in the payment chain for execution.
BusinessRoles
Creditor Party to which an amount of money is due.
Debtor Party that owes an amount of money to the (ultimate) creditor.
Creditor Agent Financial institution servicing an account for the creditor.
Debtor Agent Financial institution servicing an account for the debtor.
Market Infrastructure Party that processes, monitors and reports on transaction within the
system received from the system member.
System Member Party that instructs the executing/servicing party to process and
maintain a transactions in the system.

BusinessRoles/Participants Matrix Table

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Participants (Account) (Account) Forwarding

Recipient
BusinessRoles Servicer Owner Agent

Creditor X X
Debtor X X
Creditor Agent X X X
Debtor Agent X X X
Market X X
X
Infrastructure
System Member X X X

4. BusinessProcess Description

4.1 BusinessProcess Diagram

This diagram pictures the high level BusinessProcesses covered by this project. These high level
BusinessProcesses, if necessary, can be further split down into more detailed BusinessProcesses during
the business modelling phase. The aim of the below is to describe the high-level scope of the project, not
to be exhaustive.

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Bank-to-Customer Cash Management BusinessProcess Description

BusinessProcess Report
Definition: the process includes the financial impact reporting, the reporting on the payment transaction
status and the reconciliation process. Further descriptions of these sub-processes are included below.
Note :
• Reporting applies both to interbank reporting (eg nostro account reporting), and bank-to-customer
reporting. The definitions below apply to the bank-to-customer reporting.
• Regulatory reporting is described as a separate process.
Pre-condition:an agreement exists between the reporting party and the reported party to do a specific
type of reporting, in order to meet legal requirements and business requirements agreed between the
reporting and reported party.
Trigger:payment process is completed
Pre-condition:the payment transaction is reported on.

BusinessProcess Reconcile:
Definition: the process includes the financial impact reporting, the reporting on the payment transaction
status and the reconciliation process. Further descriptions of these sub-processes are included below.
Note :
• Reporting applies both to interbank reporting (eg nostro account reporting), and bank-to-
customer reporting. The definitions below apply to the bank-to-customer reporting.
• Regulatory reporting is described as a separate process.
Pre-condition: an agreement exists between the reporting party and the reported party to do a specific
type of reporting, in order to meet legal requirements and business requirements agreed between the
reporting and reported party.
Trigger: payment process is completed
Pre-condition: the payment transaction is reported on.

BusinessProcess Report on payment transaction

Definition : reporting done by debtor agent to debtor or party authorised by the debtor to receive the
report and reporting by creditor agent to creditor or party authorised by the creditor to receive the report
on the financial impact of the processed transaction.
Examples of this type of reporting typically are : debit advices, credit advices, intraday and end-of-day
statements, etc)
Pre-condition: debit or credit has been registered to the account (Note : the term 'registered' is used,
rather than the term 'booked', as an entry on an account can have 3 statuses : pending, future, booked -
as defined in the cash management messages set)
Trigger :completion of the settlement process
Post-condition : the 'financial impact' report is delivered.

BusinessProcess Report on payment transaction status

Report on transaction status : report to initiating party by first or forwarding agent on negative (rejected)
and/or positive status (accepted/repaired) of the payment transaction throughout the lifecycle of the
transaction.
Note : Report on final execution status is the reporting done by the final agent to the initiating party when
he has registered the item to the creditor's account. This reporting has to be conveyed to the initiating

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party, either through the chain of preceding agents in the original chain, or through means of
investigation by eg forwarding or first agent.
Pre-condition : transaction has been received by any agent in the chain
Trigger : any change in status during the lifecycle of the transaction
Post-condition : status is delivered to the initiating party

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5. Description of BusinessActivities
This section presents the different BusinessActivities within each BusinessProcess. BusinessActivities of a process
are described in swim lane diagrams and are referred in this document as activity diagrams.
The development of an activity diagram is part of the ISO 20022 modelling process and allows capturing the
requirements.
The activity diagram provides a zoom-in on the BusinessActivities taking place during each of the
BusinessProcesses described in Section 4. It also shows the BusinessActivities that are triggered when another
BusinessActivity has a negative result.
What is the activity diagram about?
• It is a diagram representing the ‘common lifecycle’ of a BusinessProcess

• A start point l shows where the lifecycle of the business process commences and the end points show
where the lifecycle may possibly end
• A lozenge means a that a choice between several actions can be made
• A bar means a that several actions are initiated in parallel
• The flow of activities between the involved Participants (parties)
• BusinessActivities may result in different actions, that is, information is conveyed from one party to another
party.
Both in scope and out of scope activities are included, with a different level of details. There are no information
requirements for out of scope activities, except that they should be clearly identified in the diagram.
Activity diagrams are always accompanied with a text describing the BusinessActivities and their interactions.

5.1 BusinessActivity – Cash Positioning

Descriptions of the BusinessActivities

Initiator
Consolidate data: A number of different sources of actual and forecast Cash Position
information data is collected Evaluation System
Adjust prior position to actual: Prior position is updated with the Cash Position
information collected : new closing ledger, available and forward balance Evaluation System

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Descriptions of the BusinessActivities

Initiator
positions are set.
Set new positions: Prior position is updated with the information collected : Cash Position
new closing ledger, available and forward balance positions are set. Evaluation System
Provide updated balance info: Final balance positions are provided to the Cash Position
investment/liquidity management department. Evaluation System
Collect available funds for investment/funding: All available liquidity is Liquidity System
collected throughout the different systems.
Provide investment/funding final amount: Available liquidity is made Liquidity System
available to the cash position system.
Provide balance info: New actual balance information is received from the Account Servicer
bank. This includes information on the booked (ledger) balance (closing
balance at end of previous day, opening booked balance at start of current
day, available and forward available balances. Note : the different balance
types that need to be reported on are further discussed in the data
requirements chapter.
Provide transaction info: If intraday reporting occurs, additional information Account Servicer
on transactions posted to the account is received from the account servicing
bank during the day. Note : intraday balances may be provided, even though
intraday balance reconciliation is usually not done.
Provide prior position: Prior balance position forecast information is Position System
received from the position system.
Provide today's reconciled balance: Forecasted balance is reconciled with Reconciliation
actual balance information received from the bank. System
Forecast transactions: expected transaction information is collected. This Treasury System
can be a repetitive activity.
Close balance positions: Process terminates once all cash transaction Cash Position
activity ceases for the day, or once funding/investment options are no longer Evaluation System
available due to market close.

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5.2 BusinessActivity – Notification to Account Owner

Descriptions of the BusinessActivities

Initiator
Process transaction: The account servicer processes the transaction Account Servicer
(either received from the account owner, or from another party). On the credit
side, it may be important to obtain early visibility of funds as soon as
possible. This may be the case for treasury operations, or for commercial
reasons (release of goods). Information is not necessarily used to start the
reconciliation process, but, depending on the level of info provided, it could
serve this activity as well. It could be that booking is not yet completed at the
account servicer (such as item is waiting for a booking cycle), but that the
account servicer has an agreement with the account owner to inform the
owner of certain events that happen on the account, even if these items have
not yet obtained 'final' booking status.
Book cash movement: The account servicer books the movement of cash, Account Servicer
which is the result of the processed transaction, to the account of the account
owner. The booking may include currency conversion and charges.
Interbank clearing and settlement: The account servicer will clear and Account Servicer
settle the payment order through the next agent/system in the payment
chain, including relevant end customer information.
Receive Notification: The account owner receives the notification. The Account Owner
information contained in the notification may be used for cash positioning,
reconciliation, investigations by counterparties, etc.
Send notification 1: Under certain circumstances, the account owner may Account Servicer
require a notification of a transaction 'in settlement' at its account servicer.
As the diagram shows, the account servicer can send notifications at several
stages of the processing and settlement process. As banks' posting and
information practices may differ, all of the notification flows shown in the
diagram are optional - and will depend on the service agreed between
account owner and servicer.
Send notification 2 / Book cash movement: It may be that booking is done Account Servicer
real-time, but that information is usually only provided at pre-agreed intervals.
In this case, a notification may be sent for certain (pre-agreed) types of cash
movements that hit the account. Notifications can also be used to send
details regarding underlying transactions, which are not included in full detail
in eg a batched entry on an end-of-day statement.
Send notification 3 / Interbank clearing and settlement: an account Account Servicer

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Descriptions of the BusinessActivities

Initiator
owner that initiated a transaction may want to know whether the transaction
has already been settled in a clearing system, as the counterparty requests
this information from the initiating account owner.

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5.3 BusinessActivity – Transaction Reconciliation (1)

Descriptions of the BusinessActivities

Initiator
Initiate transaction: The account owner initiates the financial leg of an Treasury System
underlying transaction with the account servicer. This can be any type of
transaction. The underlying transaction can be concluded with a third party,
or with the account servicer.
Receive and process transaction: The account servicer will do all Account Servicer
necessary checks related to the acceptance of the transaction of the account
owner and will process the transaction.
Book cash movement 1: The account owner will book the movement of Accounting System
cash, which is the result of the submitted transaction, in its internal books.
Book Cash movement 2: The account servicer will book the movement of Account Servicer
cash, which is the result of the submitted transaction, to the account of the
account owner. The booking may include currency conversion and charges.
Send cash movement information 1: The account servicer will send Account Servicer
information related to the cash movements that have been booked to the
account, to the account owner.
Send cash movement information 2: The account owner's accounting Accounting System
system will feed the reconciliation system with information on the booked
items.
Receive cash movement information: The account owner's reconciliation Reconciliation
system receives the cash movement information, both from the external feed System
(ie the account servicer) and the internal accounting system.
Reconcile: The account owner's reconciliation system matches the Reconciliation
information from the internal accounting system with the information received System
from the external feed (that is the account servicer). It identifies items which
are not matched. These mismatched items may trigger an investigation
process.
Note : in case the cash movement information sent by the account servicer
contains aggregate amounts, a “Financial Reconciliation Process” finally
analyses total amounts paid according to the initial cash movement
information provided by the account servicer (such as in a statement), with

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Descriptions of the BusinessActivities

Initiator
the specifications provided in information reports provided by the account
servicer that provide detailed, individual information.

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5.4 BusinessActivity – Transaction Reconciliation (2)

Descriptions of the BusinessActivities

Initiator
Initiate transaction: The counterparty initiates a transaction with the Counterparty
account owner. This can be any type of transaction (such as securities,
trade, purchase of goods, etc.). The counterparty will also initiate the
financial leg of the transaction with its account servicer. The counterparty's
account servicer may be or may not be equal to the account servicer of the
account owner.
Receive and process transaction: The account servicer will do all Account Servicer
necessary checks related to the acceptance of the transaction (received from
the counterparty directly, or through intermediary financial institutions) and
will process the transaction.
Book cash movement: The account servicer will book the movement of Account Servicer
cash, which is the result of the submitted transaction, to the account of the
account owner. The booking may include currency conversion and charges.
Send cash movement information: The account servicer will send Account Servicer
information related to the cash movements that have been booked to the
account, to the account owner.
Receive information: The account owner's reconciliation system receives Reconciliation
the cash movement information from the external feed (that is the account System
servicer) and receives information on the liabilities/claims from the internal
accounting system.
Book liability/claim: The accounting system of the account owner will book Accounting System
a 'liability/claim' for the transaction concluded with the counterparty in its
internal books.
Send liability/claim information: The account owner's accounting system Accounting System
will feed the reconciliation system with information on the open items
(liabilities/claims).
Reconcile: The account owner's reconciliation system matches the Reconciliation
information from the internal accounting system with the information received System

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Descriptions of the BusinessActivities

Initiator
from the external feed (ie the account servicer). It identifies items which are
not matched. These mismatched items may trigger an investigation process.
Note : in case the cash movement information sent by the account servicer
contains aggregate amounts (such as in case of a lockbox scenario), a
“Financial Reconciliation Process” finally analyses total amounts paid
according to the initial cash movement information provided by the account
servicer (eg in a statement), with the specifications provided in information
reports provided by the account servicer that provide detailed, individual
information.

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Bank-to-Customer Cash Management BusinessTransactions

6. BusinessTransactions
This section describes the message flows based on the activity diagrams documented above. It shows
the typical exchanges of information in the context of a BusinessTransaction.

6.1 Reporting BusinessTransaction

The Bank-to-Customer Cash Management messages are sent from the Account Servicer to the Account
Owner, or a party authorised by the Account Owner to receive the account information (i.e. the Message
Recipient).
The scenarios illustrate the reporting from Account Servicer to Account Owner
Scenario 1
The following service has been agreed between Account Owner and Account Servicer: During the day,
the Account Servicer sends one or more BankToCustomerAccountReport messages to inform the
Account Owner of any intraday movements (booked and pending) on the account. At the end of the
business day, the Account Servicer summarizes all booked entries in the BankToCustomerStatement
and provides booked and available balance information.

Scenario 2
The following service has been agreed between Account Owner and Account Servicer: During the day,
the Account Servicer will send a BankToCustomerDebitCreditNotification for any incoming credits above
a certain threshold. At a pre-agreed time during the day, the Account Servicer will also provide an
intraday BankToCustomerAccountReport, summarizing all movements (booked and pending) which have
been posted to the account since the start of the business day. The Account Servicer will also include
balance information (booked and expected) in the message. At the end of the business day, the Account
Servicer summarizes all booked entries in the BankToCustomerStatement and provides booked and
available balance information.

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Scenario 3
This scenario shows that the Bank to Customer Cash Management messages can also be delivered to a
party authorised by the Account Owner to receive the account information (i.e. the Message Recipient).

6.2 Reporting through a Forwarding Agent BusinessTransaction

The Bank-to-Customer Cash Management messages are sent from the Account Servicer through a
Forwarding Agent (who plays the role of 'concentrating institution' for the account owner) to the Account
Owner, or a party authorised by the Account Owner to receive the account information (i.e. the Message
Recipient). Which messages will be sent will be agreed between the three parties.

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6.3 Reporting Request to Account Servicer BusinessTransaction

Direct Scenario
In this scenario, an account owner requests a statement directly from its account servicing institution
• The account owner sends the AccountReportingRequest directly to its account serving institution
• The account servicing institution sends the requested message to the account owner

Relay Scenario
An account owner wishes to request its account servicing institution to send a statement of the account
owner's account however, the account owner uses a forwarding agent for all its communication with the
account servicing institution.
• The account owner sends the AccountReportingRequest to the forwarding agent or requests a
forwarding agent to issue an AccountReportingRequest

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• The forwarding agent forwards the AccountReportingRequest to the account servicing institution
• The account servicing institution sends the requested message to the forwarding agent- The
forwarding agent forwards the message to the account owner.

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7. Business examples

7.1 BankToCustomerAccountReport - Business Example 1

Narrative
AAAA Banken has agreed to provide an intraday account report to its customer Finpetrol. Each business
day, at 12.30PM, AAAA Banken will provide Finpetrol with an overview of all booked and expected
entries since the start of the business day. On 18 October 2010, at 12.30 PM, AAAASESS sends such an
intraday BankToCustomerAccountReport to Company Finpetrol. It contains two entries: one booked, and
one expected item. It has been pre-agreed between account servicer and account owner that AAAA
Banken will not include (expected) balance info in this intraday report.

Business Description
Element <XMLTag> Content
Group Header <GrpHdr>
MessageIdentification <MsgId> AAAASESS-FP-ACCR001
CreationDateTime <CreDtTm> 2010-10-18T12:30:00+01:00
MessagePagination <MsgPgntn>
PageNumber <PgNb> 1
LastPageIndicator <LastPgInd> TRUE
Report <Rpt>
Identification <Id> AAAASESS-FP-ACCR001
CreationDateTime <CreDtTm> 2010-10-18T12:30:00+01:00
FromToDate <FrToDt>
FromDateTime <FrmDtTm> 2010-10-18T08:00:00+01:00
ToDateTime <ToDtTm> 2010-10-18T12:30:00+01:00
Account <Acct>
Identification <Id>
Other <Othr>
Identification <Id> 50000000054910000003
Owner <Ownr>
Name <Nm> FINPETROL
Servicer <Svcr>
FinancialInstitutionIdentification <FinInstnId>
Name <Nm> AAAA BANKEN
PostalAddress <PstlAdr>
Country <Ctry> SE
Entry <Ntry>
Amount <Amt> SEK 200000
CreditDebitIndicator <CdtDbtInd> DBIT
Status <Sts> BOOK

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BookingDate <BookgDt>
DateTime <DtTm> 2010-10-18T10:15:00+01:00
ValueDate <ValDt>
Date <Dt> 2010-10-18
AccountServicerReference <AcctSvcrRef> AAAASESS-FP-ACCR-01
BankTransactionCode <BkTxCd>
Domain <Domn>
Code <Cd> PAYM
Family <Fmly>
Code <Cd> 0001
SubFamilyCode <SbFmlyCd> 0003
EntryDetails <NtryDtls>
Batch <Btch
MessageIdentification <MsgId> FINP-0055
PaymentInformationId <PmtInfID> FINP-0055/001
NumberOfTransactions <NbOfTxs> 20
Entry <Ntry>
Amount <Amt> SEK 30000
CreditDebitIndicator <CdtDbtInd> CRDT
Status <Sts> PDNG
ValueDate <ValDt>
Date <Dt> 2010-10-18
AccountServicerReference <AcctSvcrRef> AAAASESS-FP-CONF-FX
BankTransactionCode <BkTxCd>
Domain <Domn>
Code <Cd> TREA
Family <Fmly>
Code <Cd> 0002
SubFamilyCode <SbFmlyCd> 0000
EntryDetails <NtryDtls>
TransactionDetails <TxDtls>
References <Refs>
InstructionIdentification <InstrId> FP-004567-FX
EndToEndIdentification <EndToEndIdentification> AAAASS1085FINPSS
Amount <Amt> EUR 3255
CreditDebitIndicator <CdtDbtInd> CRDT
AmountDetails <AmtDtls>
CountervalueAmount <CntrValAmt>
Amount <Amt> EUR 3255
CurrencyExchange <CcyXchg>
SourceCurrency <SrcCcy> EUR

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ExchangeRate <XchRate> 0.1085

XML Instance
<BkToCstmrAcctRpt>
<GrpHdr>
<MsgId>AAAASESS-FP-ACCR001</MsgId>
<CreDtTm>2010-10-18T12:30:00+01:00</CreDtTm>
<MsgPgntn>
<PgNb>1</PgNb>
<LastPgInd>true</LastPgInd>
</MsgPgntn>
</GrpHdr>
<Rpt>
<Id>AAAASESS-FP-ACCR001</Id>
<CreDtTm>2010-10-18T12:30:00+01:00</CreDtTm>
<FrToDt>
<FrDtTm>2010-10-18T08:00:00+01:00</FrDtTm>
<ToDtTm>2010-10-18T12:30:00+01:00</ToDtTm>
</FrToDt>
<Acct>
<Id>
<Othr>
<Id>50000000054910000003</Id>
</Othr>
</Id>
<Ownr>
<Nm>FINPETROL</Nm>
</Ownr>
<Svcr>
<FinInstnId>
<Nm>AAAA BANKEN</Nm>
<PstlAdr>
<Ctry>SE</Ctry>
</PstlAdr>
</FinInstnId>
</Svcr>
</Acct>
<Ntry>
<Amt Ccy="SEK">200000</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Sts>BOOK</Sts>
<BookgDt>
<DtTm>2010-10-18T10:15:00+01:00</DtTm>
</BookgDt>
<ValDt>
<Dt>2010-10-18</Dt>
</ValDt>
<AcctSvcrRef>AAAASESS-FP-ACCR-01</AcctSvcrRef>
<BkTxCd>
<Domn>
<Cd>PAYM</Cd>
<Fmly>
<Cd>0001</Cd>
<SubFmlyCd>0003</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<Btch>

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<MsgId>FINP-0055</MsgId>
<PmtInfId>FINP-0055-001</PmtInfId>
<NbOfTxs>20</NbOfTxs>
</Btch>
</NtryDtls>
</Ntry>
<Ntry>
<Amt Ccy="SEK">30000</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Sts>PDNG</Sts>
<ValDt>
<Dt>2010-10-18</Dt>
</ValDt>
<AcctSvcrRef>AAAASESS-FP-CONF-FX</AcctSvcrRef>
<BkTxCd>
<Domn>
<Cd>TREA</Cd>
<Fmly>
<Cd>0002</Cd>
<SubFmlyCd>0000</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<InstrId>FP-004567-FX</InstrId>
<EndToEndId>AAAASS1085FINPSS</EndToEndId>
</Refs>
<Amt Ccy="EUR">3255</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<AmtDtls>
<CntrValAmt>
<Amt Ccy="EUR">3255</Amt>
<CcyXchg>
<SrcCcy>EUR</SrcCcy>
<XchgRate>0.185</XchgRate>
</CcyXchg>
</CntrValAmt>
</AmtDtls>
</TxDtls>
</NtryDtls>
</Ntry>
</Rpt>
</BkToCstmrAcctRpt>

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Bank-to-Customer Cash Management Business examples

7.2 BankToCustomerStatement - Business Example 1

Narrative
On 18 October 2010, at 5.00 PM, AAAASESS sends an end-of-day BankToCustomerStatement to
Company Finpetrol. It contains all booked items during the business day.

Business Description
Element <XMLTag> Content
Group Header <GrpHdr>
MessageIdentification <MsgId> AAAASESS-FP-STAT001
CreationDateTime <CreDtTm> 2010-10-18T17:00:00+01:00
MessagePagination <MsgPgntn>
PageNumber <PgNb> 1
LastPageIndicator <LastPgInd> True
Statement <Stmt>
Identification <Id> AAAASESS-FP-STAT001
CreationDateTime <CreDtTm> 2010-10-18T17:00:00+01:00
FromToDate <FrToDt>
FromDateTime <FrmDtTm> 2010-10-18T08:00:00+01:00
ToDateTime <ToDtTm> 2010-10-18T17:00:00+01:00
Account <Acct>
Identification <Id>
Other <Othr>
Identification <Id> 50000000054910000003
Owner <Ownr>
Name <Nm> FINPETROL
Servicer <Svcr>
FinancialInstitutionIdentification <FinInstnId>
Name <Nm> AAAA BANKEN
PostalAddress <PstlAdr>
Country <Ctry> SE
Balance <Bal>
Type <Tp>
Code <Cd> OPBD
Amount <Amt> SEK 500000
CreditDebitIndicator <CdtDbtInd> CRDT
Date <Dt> 2010-10-15
Balance <Bal>
Type <Tp> CLBD
Code <Cd>
Amount <Amt> SEK 435678.50
CreditDebitIndicator <CdtDbtInd> CRDT

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Date <Dt>
Date <Dt> 2010-10-18
Entry <Ntry>
Amount <Amt> SEK 105678.50
CreditDebitIndicator <CdtDbtInd> CRDT
Status <Sts> BOOK
BookingDate <BookgDt>
DateTime <DtTm> 2010-10-18T13:15:00+01:00
ValueDate <ValDt>
Date <Dt> 2010-10-18
AccountServicerReference <AcctSvcrRef> AAAASESS-FP-CN-
98765/01
BankTransactionCode <BkTxCd>
Domain <Domn>
Code <Cd> PAYM
Family <Fmly>
Code <Cd> 0001
SubFamilyCode <SbFmlyCd> 0005
EntryDetails <NtryDtls>
TransactionDetails <TxDtls>
References <Refs>
EndToEndIdentification <EndToEndId> MUELL/FINP/RA12345
Amount <Amt> SEK 0
CreditDebitIndicator <CdtDbtInd> CRDT
RelatedParties <RltdPties>
Debtor <Dbtr>
Name <Nm> MUELLER
Entry <Ntry>
Amount <Amt> SEK 200000
CreditDebitIndicator <CdtDbtInd> DBIT
Status <Sts> BOOK
BookingDate <BookgDt>
DateTime <DtTm> 2010-10-18T10:15:00+01:00
ValueDate <ValDt>
Date <Dt> 2010-10-18
AccountServicerReference <AcctSvcrRef> AAAASESS-FP-ACCR-01
BankTransactionCode <BkTxCd>
Domain <Domn>
Code <Cd> PAYM
Family <Fmly>
Code <Cd> 0001
SubFamilyCode <SbFmlyCd> 0003

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EntryDetails <NtryDtls>
Batch <Btch
MessageIdentification <MsgId> FINP-0055
PaymentInformationIdentificati <PmtInfID> FINP-0055/001
NumberOfTransactions <NbOfTxs> 20
Entry <Ntry>
Amount <Amt> SEK 30000
CreditDebitIndicator <CdtDbtInd> CRDT
Status <Sts> BOOK
BookingDate <BookgDt>
DateTime <DtTm> 2010-10-18T15:15:00+01:00
ValueDate <ValDt>
Date <Dt> 2010-10-18
AccountServicerReference <AcctSvcrRef> AAAASESS-FP-CONF-FX
BankTransactionCode <BkTxCd>
Domain <Domn>
Code <Cd> TREA
Family <Fmly>
Code <Cd> 0002
SubFamilyCode <SbFmlyCd> 0000
EntryDetails <NtryDtls>
TransactionDetails <TxDtls>
References <Refs>
InstructionIdentification <InstrId> FP-004567-FX
EndToEndIdentification <EndToEndID AAAASS1085FINPSS
>
Amount <Amt> EUR 3255
CreditDebitIndicator <CdtDbtInd> CRDT
AmountDetails <AmtDtls>
CountervalueAmount <CntrValAmt>
Amount <Amt> EUR 3255
CurrencyExchange <CcyXchg>
SourceCurrency <SrcCcy> EUR
ExchangeRate <XchRate> 0.1085

XML Instance
<BkToCstmrStmt>
<GrpHdr>
<MsgId>AAAASESS-FP-STAT001</MsgId>
<CreDtTm>2010-10-18T17:00:00+01:00</CreDtTm>
<MsgPgntn>
<PgNb>1</PgNb>
<LastPgInd>true</LastPgInd>
</MsgPgntn>
</GrpHdr>

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Bank-to-Customer Cash Management Edition 31 May 2013

<Stmt>
<Id>AAAASESS-FP-STAT001</Id>
<CreDtTm>2010-10-18T17:00:00+01:00</CreDtTm>
<FrToDt>
<FrDtTm>2010-10-18T08:00:00+01:00</FrDtTm>
<ToDtTm>2010-10-18T17:00:00+01:00</ToDtTm>
</FrToDt>
<Acct>
<Id>
<Othr>
<Id>50000000054910000003</Id>
</Othr>
</Id>
<Ownr>
<Nm>FINPETROL</Nm>
</Ownr>
<Svcr>
<FinInstnId>
<Nm>AAAA BANKEN</Nm>
<PstlAdr>
<Ctry>SE</Ctry>
</PstlAdr>
</FinInstnId>
</Svcr>
</Acct>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>OPBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="SEK">500000</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt>
<Dt>2010-10-15</Dt>
</Dt>
</Bal>
<Bal>
<Tp>
<CdOrPrtry>
<Cd>CLBD</Cd>
</CdOrPrtry>
</Tp>
<Amt Ccy="SEK">435678.50</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Dt>
<Dt>2010-10-18</Dt>
</Dt>
</Bal>
<Ntry>
<Amt Ccy="SEK">105678.50</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Sts>BOOK</Sts>
<BookgDt>
<DtTm>2010-10-18T13:15:00+01:00</DtTm>
</BookgDt>
<ValDt>
<Dt>2010-10-18</Dt>
</ValDt>
<AcctSvcrRef>AAAASESS-FP-CN_98765/01</AcctSvcrRef>
<BkTxCd>

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<Domn>
<Cd>PAYM</Cd>
<Fmly>
<Cd>0001</Cd>
<SubFmlyCd>0005</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<EndToEndId>MUELL/FINP/RA12345</EndToEndId>
</Refs>
<Amt Ccy="SEK">0</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<RltdPties>
<Dbtr>
<Nm>MUELLER</Nm>
</Dbtr>
</RltdPties>
</TxDtls>
</NtryDtls>
</Ntry>
<Ntry>
<Amt Ccy="SEK">200000</Amt>
<CdtDbtInd>DBIT</CdtDbtInd>
<Sts>BOOK</Sts>
<BookgDt>
<DtTm>2010-10-18T10:15:00+01:00</DtTm>
</BookgDt>
<ValDt>
<Dt>2010-10-18</Dt>
</ValDt>
<AcctSvcrRef>AAAASESS-FP-ACCR-01</AcctSvcrRef>
<BkTxCd>
<Domn>
<Cd>PAYM</Cd>
<Fmly>
<Cd>0001</Cd>
<SubFmlyCd>0003</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<Btch>
<MsgId>FINP-0055</MsgId>
<PmtInfId>FINP-0055/001</PmtInfId>
<NbOfTxs>20</NbOfTxs>
</Btch>
</NtryDtls>
</Ntry>
<Ntry>
<Amt Ccy="SEK">30000</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Sts>BOOK</Sts>
<BookgDt>
<DtTm>2010-10-18T15:15:00+01:00</DtTm>
</BookgDt>
<ValDt>
<Dt>2010-10-18</Dt>

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Bank-to-Customer Cash Management Edition 31 May 2013

</ValDt>
<AcctSvcrRef>AAAASESS-FP-CONF-FX</AcctSvcrRef>
<BkTxCd>
<Domn>
<Cd>TREA</Cd>
<Fmly>
<Cd>0002</Cd>
<SubFmlyCd>0000</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>
<NtryDtls>
<TxDtls>
<Refs>
<InstrId>FP-004567-FX</InstrId>

<EndToEndId>AAAASS1085FINPSS</EndToEndId>
</Refs>
<Amt Ccy="EUR">3255</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<AmtDtls>
<CntrValAmt>
<Amt Ccy="EUR">3255</Amt>
<CcyXchg>
<SrcCcy>EUR</SrcCcy>

<XchgRate>0.1085</XchgRate>
</CcyXchg>
</CntrValAmt>
</AmtDtls>
</TxDtls>
</NtryDtls>
</Ntry>
</Stmt>
</BkToCstmrStmt>

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7.3 BankToCustomerDebitCreditNotification - Business Example 2

Narrative
Besides providing an intraday AccountReport at 12.30 PM (see example with
BankToCustomerAccountReport), AAAA Banken and Finpetrol have agreed on a credit
notification service, for all incoming credits above a certain threshold. On 18 October 2010, at
1.20 PM, AAAASESS sends a BankToCustomerDebitCreditNotification to Company Finpetrol, to
advise Finpetrol of an incoming credit on its account.

Business Description
Element <XMLTag> Content
Group Header <GrpHdr>
MessageIdentification <MsgId> AAAASESS-FP-00001
CreationDateTime <CreDtTm> 2010-10-18T13:20:00+01:00
Notification <Ntfctn>
Identification <Id> AAAASESS-FP-CN-98765
CreationDateTime <CreDtTm> 2010-10-18T13:20:00+01:00
Account <Acct>
Identification <Id>
Other <Othr>
Identification <Id> 50000000054910000003
Owner <Ownr>
Name <Nm> FINPETROL
Servicer <Svcr>
FinancialInstitutionIdentificatio <FinInstnId>
Name <Nm> AAAA BANKEN
PostalAddress <PstlAdr>
Country <Ctry> SE
Entry <Ntry>
Amount <Amt> SEK 105678.50
CreditDebitIndicator <CdtDbtInd> CRDT
Status <Sts> BOOK
BookingDate <BookgDt>
DateTime <DtTm> 2010-10-18T13:15:00+01:00
ValueDate <ValDt>
Date <Dt> 2010-10-18
AccountServicerReference <AcctSvcrRef AAAASESS-FP-CN-
> 98765/01
BankTransactionCode <BkTxCd>
Domain <Domn>
Code <Cd> PAYM
Family <Fmly>
Code <Cd> 0001
SubFamilyCode <SbFmlyCd> 0005
EntryDetails <NtryDtls>

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Bank-to-Customer Cash Management Edition 31 May 2013

TransactionDetails <TxDtls>
References <Refs>
EndToEndIdentification <EndToEndId MUELL/FINP/RA12345
Amount <Amt> SEK 0
CreditDebitIndicator <CdtDbtInd> CRDT
RelatedParties <RltdPties>
Debtor <Dbtr>
Name <Nm> MUELLER

XML Instance
<BkToCstmrDbtCdtNtfctn>
<GrpHdr>
<MsgId>AAAASESS-FP-00001</MsgId>
<CreDtTm>2010-10-18T13:20:00+01:00</CreDtTm>
</GrpHdr>
<Ntfctn>
<Id>AAAASESS-FP-CN-98765</Id>
<CreDtTm>2010-10-18T13:20:00+01:00</CreDtTm>
<Acct>
<Id>
<Othr>
<Id>50000000054910000003</Id>
</Othr>
</Id>
<Ownr>
<Nm>FINPETROL</Nm>
</Ownr>
<Svcr>
<FinInstnId>
<Nm>AAAA BANKEN</Nm>
<PstlAdr>
<Ctry>SE</Ctry>
</PstlAdr>
</FinInstnId>
</Svcr>
</Acct>
<Ntry>
<Amt Ccy="SEK">105678.50</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<Sts>BOOK</Sts>
<BookgDt>
<DtTm>2010-10-18T13:15:00+01:00</DtTm>
</BookgDt>
<ValDt>
<Dt>2010-10-18</Dt>
</ValDt>
<AcctSvcrRef>AAAASESS-FP-CN-98765/01</AcctSvcrRef>
<BkTxCd>
<Domn>
<Cd>PAYM</Cd>
<Fmly>
<Cd>0001</Cd>
<SubFmlyCd>0005</SubFmlyCd>
</Fmly>
</Domn>
</BkTxCd>

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Bank-to-Customer Cash Management Business examples

<NtryDtls>
<TxDtls>
<Refs>
<EndToEndId>MUELL/FINP/RA12345</EndToEndId>
</Refs>
<Amt Ccy="SEK">0</Amt>
<CdtDbtInd>CRDT</CdtDbtInd>
<RltdPties>
<Dbtr>
<Nm>MUELLER</Nm>
</Dbtr>
</RltdPties>
</TxDtls>
</NtryDtls>
</Ntry>
</Ntfctn>
</BkToCstmrDbtCdtNtfctn>

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7.4 AccountReportingRequest - Business Example 1

Narrative
On 27 January 2011, AAAABEBB sends an AccountReportingRequest message to its account
servicer BBBBUS33 to request a BankToCustomerStatement for that day.

Business Description
Element <XMLTag> Content
Group Header <GrpHdr>
MessageIdentification <MsgId> EXAMPLE camt.060
CreationDateTime <CreDtTm> 2011-01-
27T10 05 00
ReportingRequest <RptgReq>
RequestedMessageNameIdentifica <ReqdMsgNmId camt.052.001.03
ti >
Account Acct
Identification <Id>
Other <Othr>
Identification <Id> 310141014141
AccountOwner <AcctOwnr>
Agent <Agt>
FinancialInstitutionIdentification <FinInstnId>
BICFI <BICFI> AAAABEBB
ReportingPeriod RptgPrd
FromToDate FrToDt
FromDate FrDt 2011-01-27
FromToTime FrToTM
FromTime FrTm 07:30:00
Type Tp ALLL

XML Instance
<AcctRptgReq>
<GrpHdr>
<MsgId>EXAMPLE camt.060</MsgId>
<CreDtTm>2011-01-27T17:15:00</CreDtTm>
</GrpHdr>
<RptgReq>
<ReqdMsgNmId>camt.052.001.03</ReqdMsgNmId>
<Acct>
<Id>
<Othr>
<Id>310141014141</Id>
</Othr>
</Id>
</Acct>
<AcctOwnr>
<Agt>
<FinInstnId>
<BICFI>AAAABEBB</BICFI>
</FinInstnId>
</Agt>

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Bank-to-Customer Cash Management Business examples

</AcctOwnr>
<RptgPrd>
<FrToDt>
<FrDt>2011-01-27</FrDt>
</FrToDt>
<FrToTm>
<FrTm>07:30:00</FrTm>
</FrToTm>
<Tp>ALLL</Tp>
</RptgPrd>
</RptgReq>
</AcctRptgReq>

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8. Revision Record

Revision Date Author Description Sections affected

1.0 31/05/2013 SWIFT First version in line All
with ISO20022 –
Edition 2013

Disclaimer:
Although the Registration Authority has used all reasonable efforts to ensure accuracy of the contents of
the iso20022.org website and the information published thereon, the Registration Authority assumes no
liability whatsoever for any inadvertent errors or omissions that may appear thereon. Moreover, the
information is provided on an "as is" basis. The Registration Authority disclaims all warranties and
conditions, either express or implied, including but not limited to implied warranties of merchantability,
title, non-infringement and fitness for a particular purpose.
The Registration Authority shall not be liable for any direct, indirect, special or consequential damages
arising out of the use of the information published on the iso20022.org website, even if the Registration
Authority has been advised of the possibility of such damages.

Intellectual Property Rights:

The ISO 20022 MessageDefinitions described in this document were contributed by SWIFT, IFX, OAGi &
TWIST as part of ISTH. The ISO 20022 IPR policy is available at www.ISO20022.org > About ISO 20022
> Intellectual Property Rights.

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