SEB ISO 20022 Message Implementation GuidelineFILE/SEB_MIG_ISO20022XML_Camt… · SEB ISO 20022 Message Implementation Guideline ... 2. ISO 20022 camt.053.001.02 ... message for End-of-Day

SEB ISO 20022 Message Implementation Guideline for the messages camt.052, camt.053 and camt.054

Version 15.2.0.0 Bank to Customer reporting

Valid from the 11

th of May, 2015

SEB ISO 20022 MIG for the messages camt.052.001.001.02, camt.053.001.001.02 and camt.054.001.02 / Version 15.2.0.0

2

Contents Page No.

1. Introduction 4

1.1. General summary 4

1.2. General remarks 5

2. Message structure camt.052, camt.053 and camt.054 7

3. Message items 12

3.1. Group Header 12

3.2. 2.0 Report (schema for camt.052) 13

3.3. 2.0 Statement (schema for camt.053) 13

3.4. 2.0 Notification (schema for camt.054) 14

3.5. 2.10 Account set of elements 15

3.6. 2.12 Interest conditions (this section only appears in camt.053) 16

3.7. 2.23 Balances (this section appears in camt.052 and camt.053) 19

3.8. Transaction Summary 2.43 (camt.053) 2.23 (camt.054) 22

3.9. Entry 2.76 (camt.053) 2.56 (camt.054) 23

3.10. Bank Transaction Codes 2.91 (camt.053) 2.71 (camt.054) 24

3.11. AmountDetails, 2.104 (camt.053) 2.84 (camt.054) 28

3.12. 2.85 Charges 28

3.13. NtryDtls – Batch level, 2.135 (camt.053) 2.115 (camt.054) 28

3.14. NtryDtls – TxDtls, 2.142 (camt.053) 2.122 (camt.054) 29

3.15. Amount Details, 2.156 (camt.053) 2.136 (camt.054) 30

3.16. Bank Transaction Codes, 2.163 or 2.143 32

3.17. Charges, 2172 or 2152 33

3.18. Interest, 2.166 (camt.054 only) 33

3.19. Related parties on transaction level, 2.199 and 2.179 35

3.17.1 Debtor, 2.201 (camt.053) 2.181 (camt.054) 35

3.17.2 DebtorAccount, 2.202 (camt.053) 2.182 (camt.054) 36

3.17.3 Ultimate Debtor, 2.203 (camt.053) 2.183 (camt.054) 37

3.17.4 Creditor, 2.204 (camt.053) 2.184 (camt.054) 37

3.17.5 Creditor Account, 2.205 (camt.053) 2.185 (camt.054) 38

3.17.6 Ultimate Creditor, 2.206 (camt.053) 2.186 (camt.054) 38


3

3.20. Related Agents, 2.211 (camt.053) 2.191 (camt.054) 39

3.21. Purpose Code, 2.224 (camt.053) 2.204 (camt.054) 40

3.22. Remittance Information, 2.234 (camt.053) 2.214 (camt.054) 40

3.23. Related Dates 2.266 (camt.053) 2.246 (camt.054) 41

3.24. Additional Transaction Information, 2.313 (camt.053) 2.293 (camt.054) 41

4. Message Samples 42

Appendix 1. camt.053 and camt.054 Bank Transaction Code list used by SEB 43

Appendix 2. Change Log and attached documentation 45


4

1. Introduction

1.1. General summary

The Bank to Customer reporting messages are sent by SEB to end-customers using SEB Integrations Services

channels Global Corporate Access (GCA) and Corporate Access over SWIFT (CAoS). In addition the reporting

messages can be sent using C&I Online File Handling Services function. There are two bank account reporting

messages available

1. ISO 20022 camt.052.001.02 - BankToCustomerAccountReportV02 (later in this document: camt.052) message for Intra-day account balances reporting,

2. ISO 20022 camt.053.001.02 - BankToCustomerStatementV02 (later in this document: camt.053) message for End-of-Day account statement reporting and

3. ISO 20022 camt.054.001.02 - BankToCustomerDebitCreditNotificationV02 (later in this document: camt.054) message for the Intra-Day or End-of-Day reporting of the credit and/or debit

booking reporting with full details of payments. camt.054 message is used also to report account

specific accrued interests and capitalised interests.

camt.053 can be sent by SEB from all SEB bank accounts per customer agreement. Customer can also

mandate SEB to receive other banks’ End-of-Day reporting in MT940 format and deliver that further to SEB’s

customer in camt.053 message format. camt.052 and camt.054 messages are available only for the SEB

accounts in sites: SE, FI, DK, NO, DE, PL, UK

The diagrams below show the main building blocks of the camt.052, camt.053 and camt.054 messages.

Please note, that the technical structure of the camt.052 and camt.053 is exactly the same. Only the camt.-

053 Stmt element name is replaced by the camt.052 Rpt element name and the Root element names differ

with camt.053 using BkToCstmrStmt and camt.052 using BkToCstmrAcctRpt.

All numbers preceding elements in this document refers to Index in the ISO 20022 Message Definition report.


5

1.2. General remarks

J The camt.052, camt.053 and camt.054 can contain several accounts, one on each Report,

Statement or Notification level.

J at this moment SEB offers camt.052 only with balances. The transaction report will be deployed later.

The content is indicated in GrpHdr AddtlInf as /BALN/ when reporting only the balances,

J SEB offers camt.054 either with debits and credits mixed, only credits or only debits.

The content is indicated in GrpHdr AddtlInf as /NOTF/ when reporting both debits and credits,

/DEBT/ when only debits and /CRED/ when only credits.

J The transaction information sent in camt.054 is also stated in the camt.053 with same Refs in NtryDtls

– AcctSvcrRef and if applicable MsgId, PmtInfId, InstrId and EndToEndId.

J Account layout: customer to instruct if IBAN or BBAN layout to be used in 2.10 Account.

J Sweeps and Zero balancing are identified by the Bank Tranaction Code (BTC). Counter account with

BIC is stated in DbtrAcct/CdtrAcct – DbtrAgt/CdtrAgt and in RmtInf. Accounts can be reported in

IBAN layout if that option is chosen.

J Accrued and Capitalised interest reports are delivered daily or monthly. The daily delivery option is covering also non-banking days as the interest is calculated every day. Customer can agree the

interest report delviery per account that the report is needed or by giving only the Nordic Cash Pool

top account when SEB adds automatically all sub-accounts into the report based on the account

structure at SEB.

On the Report / Statement / Notification level SEB states:

J Unique Report / Statement / Notification Id

J Account number, currency and account owner

J Account holding branch with BIC

J Top account if the account is part of a pool

J Number of entries and sums. In the camt.052 Account Report this information is excluded as the

inclusion of the intra-day transaction report will be later.

for camt.052 and camt.053

J Sequence number

J Reporting date covered by the message

J Interest conditions for the time covered by the statement

J Balances including reporting of any limits

on the Entry level (not included in the camt.052)

J UInique Entry/Account Servicer Id

J Entry details

J Booked amounts, booking and value dates, BankTransaction Codes

J Bg number for payments via the Swedish Bankgiro

J Interest report having the internal / external indicator and interest date

on the Entry/Transaction details level for debits,

J References

J Amounts with possible currency exchange information

J Debtor name (not id)

J Debtor account

J possible ultimate debtor

J Creditor name and id

J Creditor account

J Creditor agent

J possible ultimate creditor


6

J Purpose code

J Remittance information if needed

on the Entry/Transaction details level for credits,

J available payment references

J Amounts with possible currency exchange information

J Debtor name (not id)

J Debtor account only in German domestic transaction case

J possible ultimate debtor

J Creditor name and possible id

J possible ultimate creditor

J Purpose code

J All available remittance information

on the Transaction details level for Accrued Interest report,

J Accrued debit interest

J Accrued credit interest

J Accrued overdraft interest

J Accrued debit interest adjustment

J Accrued credit interest adjustment

J Accrued overdraft interest adjustment

J Account for capitalisation of interest

J Counter account for “internal” posting (Nordic Cash Pool – e.g. internal interest.)

on the Transaction details level for Capitalised Interest report,

J Total Posted Debit interest with period from -> to

J Total Posted Credit interest with period from -> to

J Total Posted Overdraft Interest with period from -> to

J Posted Debit interest adjustment with period from -> to

J Posted Credit interest adjustment with period from -> to

J Posted Overdraft interest adjustment with period from -> to

J Account for capitalization of interest

J Counter account for “internal” posting (Nordic Cash Pool – e.g. internal interest.)


7

2. Message structure camt.052, camt.053 and camt.054 Index

camt..052 &

camt.053

camt.054

Occurences

Message Item <XML tag>

Length

Usage

1.0 1.0 [1..1] Group Header <GrpHdr> 35

1.1 1.1 [1..1] MessageIdentificatio

n

<MsgId> 19 Unambigously identifying the message. SEB created ID,

unique for 60 days.

1.2 1.2 [1..1] CreationDateTime <CreDtTm> 15 Format “2008-01-23T13:20:00+01:00” or “2008-01-

23T13:18:00Z”.

CET.When file created by SEB. Absolute zero-time (Zulu-time)

can be set by SEB per customer.

1.3 1.3 [0..1] MessageRecipient <MsgRcpt> ID of recipient in SEB systems.

1.5 1.5 [0..1] AdditionalInformatio

n

<AddtlInf> 500 camt.052 has always a fixed value of /BALN/ indicating that

only intra-day balances are reported by SEB currently. If a

booking report camt.054 contains credits and debits

/NOTF/if only credits /CRED/ and if only debits /DEBT/.

/INTR/ code is reserved for the accrued interest and/or

capitalised interest reporting.

2.0 - [1..n] Report <Rpt> camt.052

2.0 - [1..n] Statemennt <Stmt> camt.053

- 2.0 [1..n] Notification <Ntfctn> camt.054

2.1 2.1 [1..1] Identification <Id> 35 Reference of message in SEBs systems.

Unique for each customer 3 months

2.2 2.2 [0..1] ElectronicSequenceN

b

<ElctrncSeqNb> used in both camt.052 and camt.053 to indicate the SEB

delivery sequence.

2.3 2.3 [0..1] LegalSequenceNb <LglSeqNb> used in both camt.052 and camt.053 to indicate the SEB

delivery sequence.

2.4 2.4 [1..1] CreationDateTime <CreDtTm> Format “2015-01-23T13:20:00+01:00” or “2015-01-

23T13:18:00Z”.

CET.When file created by SEB. Absolute zero-time (Zulu-time)

can be set by SEB per customer.

2.5 2.5 [0..1] FromToDate <FrToDt> used only in camt.053

FromDateTime <FrDtTm>

ToDateTime <ToDtTm>

2.6 2.6 [0..1] CopyDuplicateIndicat

or

<CpyDplctInd> not used

2.10 2.10 [1..1] Account <Acct>

[1..1] Identification <Id> Customer's account number. Referencing the account where

the booking has been made.

Account number is usually in BBAN-format but IBAN-format

will be available according to country-specific transition.

[0..1] Owner <Ownr> Account owner

[0..1] Servicer <Svcr> The account holding BIC. Can either be 8 or 11 characters

2.11 2.11 [0..1] RelatedAccount <RltdAcct> This info is given when transactions are booked on an

account in a cash-pool.

Then the top account is stated here.

[1..1] Identification <Id>

[1..1]

{or

IBAN <IBAN> Account number in IBAN format

[1..1]

or}

Other <Othr>

[1..1] Identification <Id> Account number in BBAN format (Scheme Name)

[0..1] SchemeName <SchmeNm>

[1..1]

{or

Code <Cd> ‘BBAN’ when Othr/Id is in BBAN format

[1..1]

or}

Proprietary <Prtry> Not Used

2.12 2.12 [0..n] Interest <Intrst> See below how interests are presented

2.23 - [1..n] Balance <Bal>

2.24 - [1..1] Type <Tp>

2.25 - [1..1] CodeOrProprietary <CdOrPrtry

2.26 - [1..1] Code <Cd> used both in camt.052 and camt.053 with available values


8

camt..052 &

camt.053

camt.054

Occurences

Message Item <XML tag>

Length

Usage

OPBD - Opening balance

PRCD – previous closed balance

CLBD – closing booked balance

CLAV – closing available balance (when available at SEB)

FWAV – forward available balance (when available at SEB)

2.28 - [0..1] SubType <SubTp>

2.29 - [1..1] Code <Code> INTM – used in camt.052 when the balance type is intra-day

balance and not an actual end-of-day or start-of-day booked

balance. Please note, that this element does not exist in

camt.052 when an actual end-of-day or start-of-day booked

balance is reported.

2.31 - [0..1] CreditLine <CdtLine>

2.32 - [1..1] Indicator if creditline

included

<Incl> false – SEB reports balance amounts without possible

creditline at present

2.33 - [0..1] CreditLine Amount <Amt> Not used at present

2.34 - [1..1] Amount <Amt> Actual balance

2.35 - [1..1] CreditDebitIndicator <CdtDbtInd> 'CRDT' or 'DBIT' Zero is marked as CRDT

2.36 - [0..1] Date <Dt> not used at present

2.37 - [0..1] Availability <Avlby> not used

2.43 2.23 [0..1] TxsSmmary, <TxsSmmry> Number of credit- and debit bookings and sums in the

message (not availavble for camt.052)

2.76 2.56 [0..n] Entry <Ntry>

2.77 2.57 [0..1] EntryReference <NtryRef> 35 SEK: Referencing the booking reference, in Sweden including

the BG number used for addressing the account.

2.78 2.58 [1..1] Amount <Amt> Booked amount.

In the interest reporting the amount consist of a net sum of

interest components amounts that are reported in more

details per type at the TxDtls/AmtDtls level.

2.79 2.59 [1..1] CreditDebitIndicator <CdtDbtInd> CRDT for credit or DBIT for debit.

2.80 2.60 [0..1] ReversalIndicator <RvslInd> True if the transaction is a reversal of credit or debit.

If CdtDbtInd is 'DBIT' and RvslInd is 'true ' the original entry

was a credit.

2.81 2.61 [1..1] Status <Sts> Always BOOK, when camt.053 or camt.054 as a booking

report. camt.054 for interest reporting has value INFO for the

accrued interest but BOOK for the capitalised interest.

2.82 2.62 [0..1] BookingDate <BookgDt> Booking date

Not available in camt.054 interest reporting. The interest

reporting date is at the TxDtls/RltdDts/Prtry with Type ‘INTR’.

2.83 2.63 [0..1] ValueDate <ValDt> Value date

Not available in camt.054 interest reporting. The interest

reporting date is at the TxDtls/RltdDts/Prtry with Type ‘INTR’.

2.84 2.64 [0..1] AccountServicerRefer

ence

<AcctSvcrRef> 35 Booking reference at SEB. Same reference is used in the

camt.053 and camt.054

2.91 2.71 [1..1] BankTransactionCod

e

<BkTxCd> Used if file contains only one payment type, e.g. direct debits.

2.143 used instead if file contains mix of credit transfers and

direct debits as e.g. KID payments in Norway.

2.92 2.72 [0..1] Domain <Domn>

2.93 2.73 [1..1] Code <Cd> 4 See separate list of actual codes below

2.94 2.74 [1..1] Family <Fmly>

2.95 2.75 [1..1] Code <Cd> 4 See details below

2.96 2.76 [1..1] SubFamilyCode <SubFmlyCd> 4 See details below

2.97 2.77 [0..1] Proprietary <Prtry>

2.98 2.78 [1..1] Code <Cd> 35 Swift's Transaction Type Identification Code

or GVC code for accounts in Germany. See dertails below

2.99 2.79 [0..1] Issuer <Issr> 35 SWIFT for Swift codes. GVC for GVC code.

2.104 2.84 [0..1] AmountDetails <AmtDtls> Not used


9

camt.052 &

camt.053

camt.054

Occurences

Message

Item

<XML tag>

Length

Usage

2.135 2.115 [0..n] EntryDetails <NtryDtls>

2.136 2.116 [0..1] Batch <Btch> Used for SEPA Direct debit credits (pain.008), where batch

booking indicator = true

2.137 2.117 [0..1] MessageId <MsgId> From pain.001/pain.008

2.138 2.118 [0..1] Payment Information

Id

<PmtInfId> From pain.001/pain.008

2.142 2.122 [0..n] TransactionDetails <TxDtls>

2.143 2.123

[0..1]

References <Refs>

2.144 2.124

[0..1]

Message

Identification

<MsgId> 35 Referencing the message id in the pain.001/pain.008 (1.1 <MsgId>)

2.145 2.125

[0..1]

AccountServicer

Reference

<AcctSvcrRef> 35 Transaction Id in SEB’s systems.

2.146 2.126

[0..1]

PaymentInfor

mation Id

<PmtInfId> 35 Referencing the payment information id in the pain.001/pain.008 (2.1

<PmntInfId>)

2.147 2.127

[0..1]

InstructionIdentifi

cation

<InstrId> 35 Referencing the instruction id in the pain.001/pain.008 (2.30 <InstrId>).

Information returned if given in pain.008 and pain.001

2.148 2.128

[0..1]

EndToEndIdentifi

cation

<EndToEndId> 35 Referencing the end-to-end id in the pain.001/pain.008 (2.31

<EndToEndId>)

2.150 2.130

[0..1]

MandateId <MndtId> 35 Information returned if given in pain.008. Referencing the Mandate Id in the

pain.008 (2.47 <MandateRelatedInformation> <Id>

2.156 2.136

[0..1]

AmountDetails <AmtDtls>

2.1.0

[0..1]

InstructedAmount <InstdAmt> Is used in cross currency transaction cases where the original Instructed

amount is available.

2.1.9

[0..1]

TransactionAmount <TxAmt>

2.1.10

[1..1]

Amount <Amt> Transaction amount. Referencing the booked amount ininitiated in the

pain.008 (2.44 <InstdAmt>) and in pain.001. Is always available even in

single bookings.

In the interest reporting the transactin amount per interest component the

contents that with the net aggregate value is the same at the Entry amount.

2.1.11 [0..1] CurrencyExchange <CcyXchg> Used only in currency exchange case

2.1.12 [1..1] SourceCurrency <SrcCcy> The ISO currency code used for the original amount in the exchange case.

Filled always.

2.1.13 [0..1] TargetCurrency <TrgtCcy> The ISO currency code used for the target amount in the exchange case.

Filled always.

2.1.14 [0..1] UnitCurrency <UnitCcy> The ISO currency code used for denominating the Exchange Rate basement.

Filled alwaýs.

2.1.15 [1..1] ExchangeRate <XchgRate> The Exchange Rate based on the unit currency. Filled always.

2.1.18

[0..1]

CounterValue

Amount

<CntrValAmt> when currency exchanges

2.1.36 [0..1] ProprietaryAmount <PrtryAmt> Used only for InterbankSettlementAmount reporting

2.1.37 [1..1] Type <Tp> 35 ‘IBS’=Interbank Settlement Amount (bookings)

2.1.38 [1..1] Amount <Amt>

2.163 2.143

[0..1]

BankTransactionCod

e

<BkTxCd> Used instead of 2.71 if file contains mix of credit transfers and direct debits.

NDD NOK B2C: Used if mix of DD and CT KID-payments in the same

booking.

2.164 2.144

[0..1]

Domain <Domn>

2.165 2.145

[1..1]

Code <Cd> 4 Always PMNT for payments

2.166 2.146

[1..1]

Family <Fmly>

2.167 2.147

[1..1]

Code <Cd> 4 IDDT for received direct debit

RCDT for received credit transfer.

NDD NOK B2C: CT KID-payments will be RCDT

2.168 2.148

[1..1]

SubFamilyCode <SubFmlyCd> 4 PMDD for paid direct debit.

PRDD for reversal.

DMCT for received credit transfers.

NDD NOK B2C: CT KID-payments will be DMCT

2.172 2.152 [0..n] Charges <Chrgs> not used

- 2.166 [0..n] Interest <Intrst> Used only in the interest reporting (camt.054)


10

- 2.167 [1..1] Amount <Amt> Interest amount

- 2.168 [1..1] CreditDebitIndicator <CdtDbtInd> 4 DBIT or CRDT

- 2.177 [0..1] FromToDate <FrToDt> Date

Grp

- [1..1] FromDateTime <FrDtTm> Date

Time

The date and time from where the interst reporting period has started

- [1..1] ToDateTime <ToDtTm> Date

Time

The date and time from where the interst reporting period has ended

- 2.178 [0..1] Reason <Rsn> 35 Accrued interest report

‘ACCD’ = Accrued debit interest

‘ACCC’ = Accrued credit Interest

‘ACCO’ = Accrues overdraft interest

‘ACDA’ = Adjusted accrued debit interest

‘ACCA’ = Adjusted accrued credit interest

‘ACOA’ = Adjusted accrued overdraft interest

Interest capitalisation

‘BKDD’ = Booked debit interest

‘BKDC’ = Booked credit interest

’BKDO’ = Booked overdue interest

‘BKDA’ = Booked debit interest, adjusted

‘BKCA’ = Booked credit interest, adjusted

‘BKOA’ = Booked overdue interest, adjusted

2.199 2.179 [0..1] RelatedParties <RltdPties>

2.200 2.180

[0..1]

InitiatingParty <InitgPty> not used

2.201 2.181

[0..1]

Debtor <Dbtr>

[0..1]

Name <Nm> Referencing the debtor name in the pain.008 (2.72 <Dbtr><Nm>) and in the

pain.001

[0..1]

ID <Id> Referencing the debtor Id in the pain.008 (2.72 <Dbtr><Id>) and in pain.001

2.202 2.182

[0..1]

DebtorAccount <DbtrAcct> Reported when possible and allowed

In the interest reporting the DebtorAccount reports always the charges

counter account.

2.203 2.183

[0..1]

UltimateDebtor <UltmtDebtr> Accounted for if received

2.204 2.184

[0..1]

Creditor <Cdtr> Referencing the creditor in the pain.008(2.19<Cdtr><Nm>) and in the

pain.001

2.203 2.185

[0..1]

CreditorAccount <CdtrAcct> Reported when possible and allowed

In the interest reporting the CreditorAccount reports always the interest

booking account.

2.206 2.186

[0..1]

UltimateCreditor <UltmtCdtr> Referencing the ultimate creditor in the pain.008 (2.23 <UltmtCdtr>) and in

pain.001. Information returned if given in pain.008/pain.001

2.211 2.191 [0..1] RelatedAgents <RltdAgts>

2.212 2.192 [0..1] Debtor Agent <DbtrAgt>

2.213 2.193 [0..1] Creditor Agent <CdtrAgt>

2.214 2.194 [0..1] IntermediatyAgent 1 < IntrmyAgt1>

2.215 2.195 [0..1] IntermediatyAgent 2 < IntrmyAgt2>

2.224 2.204 [0..1] Purpose <Purp> Referencing the purpose code in the pain.008 (2.76 <Purp>) and in the

pain.001

2.234 2.214 [0..1] Remittance-Information

<RmtInf>

2.235 2.215 [0..n] Unstructured <Ustrd> Stated for credits (credit transfers), not debits, nor Direct debit credits.

2.236 2.216 [0..n] Structured <Strd> stated for credits

2.237 2.217 [0..n] ReferredDocumentInf

ormation

<RfrdDocInf>

2.238 2.218 [0..1] Type <Tp>

2.239 2.219 [1..1] CodeOrProprietary <CdOrPrtry>

2.240 2.220 [1..1] Code <Cd>

2.241 2.221 [1..1] Proprietary <Prtry>

2.243 2.223 [0..1] Number <Nb> Invoice number

2.244 2.224 [0..1] RelatedDate <RltdDt>

2.245 2.225 [0..n] Referred

DocumentAmount

<RfrdDocAmt> when given

2.246 2.226 [1..1]

{or

DuePayable

Amount

<DuePyblAmt>

2.248 2.228 [1..1] CreditNoteAmount <CdtNoteAmt> Used for SCT's in Finland, domestic incoming payments in Norway and

Sweden

2.255 2.235 [1..1]

Or

RemittedAmount <RmtdAmt> Direct debits: NOK B2C: Amount in KID-payment.

Structured Credit transfers in Denmark, Finland, Norway and Sweden

2.256 2.236 [0..1] CreditorReference <CdtrRefInf>


11

Information

2.257 2.237 [0..1] Type <Tp>

2.258 2.238 [1..1] CodeOr

Proprietary

<CdOrPrtry>

2.259 2.239 [1..1] Code <Cd> or OCR/KID/fi-cards SCOR is used

2.261 2.241 [0..1] Issuer <Issr> Stated when ISO 11649 international creditor’s reference is used.

2.262 2.242 [0..1] Reference <Ref> KID/OCR/Fi-card referene

NDD: NOK B2C: SCOR if KID payment.

2.265 2.245 [0..1] AdditionalRemittance

Information

<AddtlRmtInf> Used by some AOS2 banks as an alternative to 2.217 – 2.242

2.266 2.246 [0..1] RelatedDates <RltdDts>

2.267 2.247 [0..1] AcceptanceDateTime <AccptncDtTm> Used for credits within AOS1 in Finland

2.274 2.254 [0..1] Proprietary <Prtry> Used only for interest reporting

2.275 2.255 [1..1] Type <Tp> 35 ‘INTR’ = Interest Date

2.276 2.256 [1..1] Date <Dt> ISO

Date

Interest date value for the interest report

2.313 2.293 [0..1] Additional

TransactionInformati

on

<AddtlTxInf> 500 May include some additional reporting references for booking reports. In

the interest report values are

‘EXTR’ = External interest

‘INTN’ = Internal interest

2.314 2.294 [0..1] Additional

EntryInformation

<AddtlNtryInf> 500

2.315 2.295 [0..1] AdditionalNotificatio

nbInformation

<AddtlNtfctnInf> 500


12

3. Message items 3.1. Group Header

Level Index Message Item Code / Value Comments 1.0 Group Header

1.1 MessageIdentification <MsgId>7465384</MsgId>

1.2 CreationDateTime <CreDtTm>2008-01-23T13:20:00</CreDtTm>

1.3 MessageRecipient <MsgRcpt>0033072073002</MsgRcpt> <Id> <OrgId> <Othr> <Id>8020082288</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm>

1.4 MsgPgntn <MsgPgntn><PgNb><LastPgInd> </LastPgInd></PgNb></MsgPgntn>

not used

1.5 AddtlInf <AddtlInf>/NOTF/</AddtlInf> to indicate if the camt.054 contains

credits or debits only or both.

Credits only - /CRED/, and debits only

/DEBT/. /NOTF/ relates to both debit

and credit reporting.

/INTR/ code is reserved for the accrued

and/or booked interest reporting.’

/BALN/ is used in camt.052 to indicate

the message to include only intra-day

balances of the reported account.


13

3.2. 2.0 Report (schema for camt.052)

Plese, note that camt.052.001.02 Report and camt.053.001.02 Statement schema contents are exactly the

same with same tag names and numbering in the ISO 20022 Message Definition Report.

3.3. 2.0 Statement (schema for camt.053)


14

3.4. 2.0 Notification (schema for camt.054)


15

Level Index Message Item Code / Value Comments 2.0 Statement/

Notification Comments

2.1 Id

<Ntfctn> <Id>STOIID01200906081008490006</Id>

SEB's reference

2.2 SeqNumber <ElctrncSeqNb>100</ElctrncSeqNb>

filled for camt.053 and camt.052,

not used for camt.054

2.3 LegalSeqNumber <LglSeqNb>100</LglSeqNb> filled for camt.053 and camt.052

Usually the same as

ElectronicSequenceNumber

2.4 CreDtTm <CreDtTm>2011-06-16T04:11:06+01:00</CreDtTm> <FrToDt> <FrDtTm>2011-06-15T00:00:01+01:00</FrDtTm> <ToDtTm>2011-06-15T23:59:59+01:00</ToDtTm> </FrToDt>

Statement for 2011-06-15

2.6 CopyIndicator <CpyDplctInd>COPY</CpyDplctInd> not used

3.5. 2.10 Account set of elements

Index Message item Value Description

2.10 Account reported

Id = account

number

<Acct> <Id> <Othr> <Id>52018218212</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr> </Id> <Ccy>EUR</Ccy> or <Id> <IBAN>FI7433010001222090</IBAN> </Id>

Sweden: Payments via the Bankgiro are reported on

the bank account. Bankgiro number- see 2.57 below

Bank accounts are mainly stated in BBAN-format or

IBAN-format.

Customer to state which format to use.

Poland: IBAN

Type Not used

Currency <Ccy>EUR</Ccy>

Bank account currency.

<Nm>name given by customer</Nm>

Name of the bank account is reported only if

customer has given a specific name to this

account


16

Owner <Ownr> <Nm>BANK ACCOUNT OWNER</Nm>

Id

OrgId

<Id> <OrgId> <Othr> <Id>8020082288</Id> <SchmeNm> <Cd>BANK</Cd> </SchmeNm> </Othr>

Org id in SEB's register – code BANK used.

Other tags of Acct/Ownr Not used

2.10 Servicer <Svcr> <FinInstnId> <BIC>ESSEDKKKXXX</BIC> </FinInstnId>

Bank branch with BIC code for reported bank

account.

Other Servicer elements not used.

2.11 RelatedAccount <RltdAcct> <Id> <Othr> <Id>52950010009995</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Othr>

This info is given when transactions are booked

on an account in a cash-pool.

Then the top account is stated here.

top account in cash pool

3.6. 2.12 Interest conditions (this section only appears in camt.053)


2.12

2.13

2.16

2.20

2.21

Interest

Type

Rate

ValidityRange

FromToDate

<Intrst> [conditions on credit balances] <Tp> <Cd>OVRN</Cd> </Tp> <Rate> <Tp> <Pctg>0.28</Pctg> </Tp> <VldtyRg> <Amt> <FrToAmt>

the example shows the

incremental variant with

different rates for the bands.

The interest is the actual rate

applied for the period covered

by the statement.

In the example


17

<FrAmt> <BdryAmt>0.00</BdryAmt> <Incl>true</Incl> </FrAmt> <ToAmt> <BdryAmt>500000.00</BdryAmt> <Incl>true</Incl> </ToAmt> </FrToAmt> </Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Ccy>EUR</Ccy> </VldtyRg> </Rate> <Rate> <Tp> <Pctg>0.68</Pctg> </Tp> <VldtyRg> <Amt> <FrAmt> <BdryAmt>500000.00</BdryAmt> <Incl>false</Incl> </FrAmt> </Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Ccy>EUR</Ccy> </VldtyRg> </Rate> </Intrst>

The credit interest is

0,28% from EUR 0,0 to

EUR 500,000.00

and 0,68% from EUR

500,000.01 and up.

conditions on debit balances <Intrst> <Tp> <Cd>OVRN</Cd> </Tp> <Rate> <Tp> <Pctg>5.53</Pctg> </Tp> <VldtyRg> <Amt> <FrToAmt> <FrAmt> <BdryAmt>0.00</BdryAmt> <Incl>true</Incl> </FrAmt> <ToAmt> <BdryAmt>500000000.00</BdryAmt> <Incl>true</Incl> </ToAmt> </FrToAmt> </Amt> <CdtDbtInd>DBIT</CdtDbtInd> <Ccy>SEK</Ccy> </VldtyRg> </Rate> </Intrst> <Intrst> <Tp> <Cd>OVRN</Cd> </Tp> <Rate> <Tp> <Pctg>10</Pctg> </Tp> <VldtyRg>


18

<Amt> <FrAmt> <BdryAmt>500000000.00</BdryAmt> <Incl>false</Incl> </FrAmt> </Amt> <CdtDbtInd>DBIT</CdtDbtInd> <Ccy>SEK</Ccy> </VldtyRg> </Rate> </Intrst>


19

3.7. 2.23 Balances (this section appears in camt.052 and camt.053)

These indexes refers to ISO 20022 camt.052/camt.053 Message Definition Report


2.23 Balance [1..n] Balances

2.24 /

2.26

Type / Code <Tp> <CdOrPrtry> <Cd>OPBD</Cd> </CdOrPrtry> </Tp>

SEB uses following standard

balance type codes :

1. ‘OPBD’ to indicate opening

booked balance

2. ‘PRCD’ to indicate previous

booked balance and is usually

the same as the ‘OPBD’ value

3. ‘CLBD’ to indicate closing

booked balance

Following balance type codes are

used if available per

bankaccount:

1. ‘CLAV’ to indicate closing

available balance

2. ‘FWAV’ to indicate forward

available balance

2.28 /

2.29

SubType / Code <SubTp> <Cd>INTM</Cd> </SubTp>

INTM – used in camt.052 when

the balance type is intra-day

balance and not an actual end-

of-day or start-of-day booked

balance. Please note, that this

element does not exist in

camt.052 when an actual end-

of-day or start-of-day booked

balance is reported.

2.32 CrediLine/Included <CdtLine> <Incl>false</Incl> <Amt Ccy="EUR">5000000.00</Amt>

Reported if exists for accounts

not part of a cash pool (then


20

</CdtLine> external limit) and for

transaction accounts in a cash

pool (internal limit)

False = not included in the

balance.

2.34 Amount <Amt Ccy="EUR">91283.23</Amt> Actual balance type specific

balance value. Not used at the

moment.

2.35 CreditDebitIndicator <CdtDbtInd>CRDT</CdtDbtInd> <CdtDbtInd>DBIT</CdtDbtInd>

‘CRDT’ or ‘DBIT’ according to

balance value sign. Zero balance

is marked as ‘CRDT’.

2.35 Date <Dt> <Dt>2009-10-28</Dt> </Dt>

Date of the reported balance

using ISO Date –element instead

of DateTime.

2.36 Availability Not used. <Bal> <Tp> <CdOrPrtry> <Cd>OPBD</Cd> opening booked </CdOrPrtry> </Tp> <Amt Ccy="EUR">6796175.59</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt>2011-11-15</Dt> </Dt> </Bal> <Bal> <Tp> <CdOrPrtry> <Cd>CLBD</Cd> closing booked </CdOrPrtry> </Tp> <CdtLine> <Incl>false</Incl> <Amt Ccy="EUR">5000000.00</Amt> </CdtLine> <Amt Ccy="EUR">6807411.67</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt>2011-11-15</Dt> </Dt> </Bal> if available <Bal> <Tp> <CdOrPrtry> <Cd>CLAV</Cd> closing available </CdOrPrtry> </Tp> <CdtLine> <Incl>false</Incl> <Amt Ccy="EUR">500000.00</Amt> </CdtLine> <Amt Ccy="EUR">6807411.67</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <Dt>2011-11-15</Dt> </Dt> </Bal> <Bal> <Tp> <CdOrPrtry> <Cd>FWAV</Cd> forward available </CdOrPrtry> </Tp>


21

<Amt Ccy="EUR">1206643.65</Amt> <CdtDbtInd>DBIT</CdtDbtInd> <Dt> <Dt>2011-11-16</Dt> </Dt> </Bal> camt.052 interim (opening) balance sample <Bal> <Tp> <CdOrPrtry> <Cd>OPBD</Cd> </CdOrPrtry> <SubTp> <Cd>INTM</Cd> </SubTp> </Tp> <CdtLine> <Incl>false</Incl> </CdtLine> <Amt Ccy="EUR">997122.14</Amt> <CdtDbtInd>CRDT</CdtDbtInd> <Dt> <DtTm>2015-03-16T00:00:01+02:00</DtTm> </Dt> </Bal>


22

3.8. Transaction Summary 2.43 (camt.053) 2.23 (camt.054)

camt.053 camt.054 Message item Sample / Values Description

2.43

2.49

2.50

2.51

2.52

2.53

2.54

2.23

2.29

2.30

2.31

2.32

2.33

2.34

TotalCreditEntries

NbOfNtries

Sum

TotalDebitEntries

NbOfNtries

Sum

<TxsSummry> <TtlCdtNtries> <NbOfNtries>118</NbOfNtries> <Sum>1134335.08</Sum> </TtlCdtNtries> <TtlDbtNtries> <NbOfNtries>1</NbOfNtries> <Sum>5487</Sum> </TtlDbtNtries> </TxsSummry>

Number of credit and debit entries

booked to the account – not

transactions – and total sum.

Reversal Debits are calculated

with Total Debits and Reversal

Credits with Total Credits.


23

3.9. Entry 2.76 (camt.053) 2.56 (camt.054)


2.76 2.56 Entry [0..n]

2.77 2.57 EntryRef <NtryRef>52206646 00113</NtryRef> <NtryRef>HEL 0086930293</NtryRef>

Booking reference. In the Interest

reporting this is other unique reference.

2.78 2.58 Amount <Amt Ccy="EUR">3200.00</Amt> Booked currency and amount in the

same currency as the bank account

itself is reported.

2.79 2.59 CreditDebit <CdtDbtInd>CRDT</CdtDbtInd> <CdtDbtInd>DBIT</CdtDbtInd>

2.80 2.60 ReversalIndicator <RvslInd>true</RvslInd> when 'true' and the

CreditDebitIndicator is DBIT the

original transaction reversed was a

Credit.

False is not stated.

2.81 2.61 Status <Sts>BOOK</Sts> Only entries with 'BOOK' status but in

the accrued interest the status code is

‘INFO’ and in the capitalised interest

report it is ‘BOOK’

2.82 2.62 BookingDate <BookgDt> <Dt>2009-02-28</Dt> </BookgDt>

Not used in interest reports but the

interest related date is reported at the


24

TxDtls level on the Proprietary type of

date.

2.83 2.63 ValueDate <ValDt> <Dt>2009-02-29</Dt> </ValDt>

Not used in interest reports but the

interest related date is reported at the

TxDtls level on the Proprietary type of

date.

2.84 2.64 AccountServicer

Ref

<AcctSvcrRef>HEL 08110502155 </AcctSvcrRef> or <AcctSvcrRef>STOI593910033890127754 </AcctSvcrRef>

2.91 2.71 BankTransactionCod

e

see special table in the next chapter codes only given on this level and

relates to all transaction if batch

booked

3.10. Bank Transaction Codes 2.91 (camt.053) 2.71 (camt.054)


2.91 2.71 BkTxCd <BkTxCd>

2.92 2.72 Domain <Domn> <Cd>PMNT</Cd> </Domn>

Codes used – see below

2.94 2.74 Family <Fmly> <Cd>RCDT</Cd>

2.96 2.76 Sub-Family <SubFmlyCd>ESCT</SubFmlyCd> </Fmly>

2.97 2.77 Swift-code or GVC

code for accounts in

Germany in Prtry

<Prtry> <Cd>TRF</Cd> <Issr>SWIFT</Issr> </Prtry> GVC-code: <Prtry> <Cd>025</Cd> <Issr>ZKA</Issr> </Prtry>

2.101/

2.81

Additiona

l

Informati

onInd

no info mapped to this field Indicates whether the underlying transaction details are provided through a separate message, eg in case of aggregate bookings.

In two cases BTC is stated on NtryDtls level 2.163 (camt.053). Please, see the respective chapter later in

this document.

Domains: PMNT: Payments, CAMT: Cash Management, ACMT: Account Management FORX: Foreign Exchange, SECU: Securities, TRAD: Trade Services,

Domain Family Sub-family

PMNT RCDT – Received Credit Transfer

RCCN – Received Cash Concentration

ICDT – Issued Credit Transfer

ICCN – Issued Cash Concentration

ICHQ – Issued cheque

ATXN = ACH Transaction, DMCT = Domestic Credit Transfer, ESCT = SEPA Credit Transfer RPCR = Reversal due to Payment Cancellation Request,


25

Domain Family Sub-family

RCHQ – Received Cheque RRTN = Reversal due to Payment return SALA = Salary,

XBCT = Cross-Border Credit Transfer BCHQ = bank cheque CCHQ = cheque BOOK = internal book transfer

IDDT – Issued Direct Debit

RDDT – Received Direct Debit (debtor)

BBDD = SEPA B2B DD ESDD = SEPA Core Direct Debit PMDD = Multi Currency Direct Debit PRDD = due to payment reversal RCDD = due to Paym cancellation request, UPDD = due to return/unpaid, BBDD = SEPA B2B Direct DEbit OODD = One-Off Direct DEbit PADD = Pre-Authorised Direct Debit RRTN = Payment return

CAMT

ACMT

ACCB – Account Balancing

MCOP – Miscellaneous Credit Operation

MDOP - Miscellaneous Debit Operation

ICCN – Issued Cash Concentration

RCCN - Received Cash Concentration

CHRG = Charges ICCT = Intra Company Transfer INTR = Interest SWEP =sweeping TOPG = topping ZABA = Zero Balancing OTHR = Other COMM = Commission

FORX MDOP - Miscellaneous Debit Operation


OTHR = Other

SECU MDOP - Miscellaneous Debit Operation


OTHR = Other

Generic NTAV = Not Available OTHR = Other, FCTI = Fees, Commission , Taxes, Charges and

Interest

The following BTC's are used:

Outgoing payments (debits): Cross border payments (express and normal) PMNT, ICDT, XBCT

Domestic payments, not via ACH's (BGC, NETS, Bacs etc) PMNT, ICDT, DMCT

Domestic payments via ACH PMNT, ICDT, ATXN

Payment Returns PMNT, ICDT, RRTN

Internal book transfer PMNT, ICDT, BOOK

Tax payments (PL) PMNT, ICDT, TAXE

Outgoing Intracompany payments PMNT, ICCN, ICCT

Salary payments PMNT, ICDT, SALA

Issued cheques PMNT, ICHQ, BCHQ or

PMNT, ICHQ, CCHQ

Outgoing SEPA Credit Transfers PMNT, ICDT, ESCT

Return of SEPA Credit Transfer (due to recall request or by creditor bank or not effected) PMNT, ICDT, RRTN

(due to recall request from debtor bank) PMNT, ICDT, RPCR

Incoming payments (credits): Incoming payments via ACH PMNT, RCDT, ATXN

Incoming cross border payments PMNT, RCDT, XBCT

Payment Returns PMNT, RCDT, RRTN

Internal book transfer PMNT, RCDT, BOOK

Incoming SEPA Credit Transfers PMNT, RCDT, ESCT

Received cheques PMNT, RCHQ, BCHQ or

PMNT, RCHQ, BCHQ


26

Incoming Bacs, Chaps (UK) and Company giro (SE) PMNT, RCDT, DMCT

- For code MSC and SEC BTC is stated as: PMNT, NTAV, NTAV

SEB will report explanatory text in Prtry code <Prtry>

<Cd>MSC FX SETTLEMENT</Cd> <Issr>SEB</Issr> </Prtry>

Direct debits – debtor transactions Debits SEPA Direct debits PMNT, RDDT, ESDD

SEPA Direct debits, One-off PMNT, RDDT, OODD

SEPA Direct debits, B2B PMNT, RDDT, BBDD

Pre-authorised Direct Debit PMNT, RDDT, PADD

Other currencies PMNT, RDDT, PMDD

Credits Returns, rejects PMNT, RDDT, UPDD

Reversal and refusals PMNT, RDDT, PRDD

Refund due to cancellation request PMNT, RDDT, RCDD

Direct debits – creditor transactions Credits SEPA Direct Debit PMNT, IDDT, ESDD

SEPA Direct debits, One-off PMNT, IDDT, OODD

SEPA Direct debits, B2B PMNT, IDDT, BBDD

Pre-authorised Direct Debit PMNT, IDDT, PADD

Other currencies PMNT, IDDT, PMDD

Debits = (Reversal of credit) Returns and rejects PMNT, IDDT, UPDD

Reversal and refusals PMNT, IDDT, PRDD

Refunds PMNT, IDDT, UPDD

Refund due to requested cancellation PMNT, IDDT, RCDD

Miscelleneous PMNT, NTAV, NTAV

Securities and Foreign Exchange

Money market and Securities credit: SECU, MCOP, INTR

debit: SECU, MDOP, INTR

Foreign Exchange credit: FORX, MCOP, INTR

debit: FORX, MDOP, INTR

Interests and charges

Interest credit: ACMT, MCOP, INTR

debit: ACMT, MDOP, INTR

Note! Used both the actual booking and interest report

Charges debit: ACMT, MDOP, CHRG

repaid: ACMT, MCOP, CHRG

Commission debit: ACMT, MDOP, COMM

repaid: ACMT, MCOP, COMM

Other type of account service debit: ACMT, MDOP, OTHR

repaid: ACMT, MCOP, OTHR

Zero-balancing and sweeps. (in camt.053 only)

Swift code = CMZ (zero balancing) CAMT, ACCB, ZABA

CMS (sweep) CAMT, ACCB, SWEP CMT (topping) CAMT, ACCB, TOPG


27

Note! The Sweep, topping and zero balancing will override any other code, e.g. intra company.

For sweeps, toppings and zero balancing counter account is stated inDbtrAcct/DbtrAgt or

CdtrAcct/CdtrAgt respectively and in RmtInf.

IntraCompany transactions

all – cash pool internal, book transfers, domestic, cross border -

credit: CAMT, RCCN, ICCT

debit: CAMT, ICCN, ICCT

This code is stated for Ntry, and on transaction level the respective payment code is quoted.


28

3.11. AmountDetails, 2.104 (camt.053) 2.84 (camt.054)


2.104 2.84 Amount Details This tag is not used on Entry-level but

only on TransactionDetails level.

3.12. 2.85 Charges

Charges are specified in 2.172 and 2.152 respectively. Usually charges are not used as they are debited

separately.

3.13. NtryDtls – Batch level, 2.135 (camt.053) 2.115 (camt.054)

Used for SEPA DD only.


2.136 2.116 NtryDtls

Btch

<Btch> <MsgId>1103288512A</MsgId> <PmtInfId>8012251 12A</PmtInfId> </Btch>

For SDD – when the customer in

pain.008 instruct BatchBooking =

true, SEB will use Btch element to

advise MsgId and PmtInfId and these

items are not repeated any more on

transaction details.


29

3.14. NtryDtls – TxDtls, 2.142 (camt.053) 2.122 (camt.054)

This is the section where SEB states each transaction details, once if single booked, or for each transaction

being a part of a lumpsum.


2.142 2.122 TxDtls [0..1] <TxDtls> the looping is made on this level when

lum sum booked 2.144 2.124 MesssageId (from

pain001 or pain008)

<Refs> <MsgId>15096</MsgId>

2.145 2.125 Account- ServicerRef <AcctSvcrRef>STHNEI0I200902281513 First part of SEB's ref indicates


30

416479</AcctSvcrRef> delivery channel of payment

instruction:

STOESI… and STHNEI… pain001-and PAYMUL files

STONCM… C&I Online

STOISP….. MT101 2.146 2.126 PmtInfId <PmtInfId>15096 2 </PmtInfId> from pain.001/pain.008 2.147 2.127 Instruction Id <InstrId>15096 1

EUR2000581/FR</InstrId> from pain.001/pain.008

2.148 2.128 End to end

reference

<EndToEndId>REF12345678901234</EndToEndId>

from pain.001/pain.008

2.149 2.129 TransactionId <TxId>xxx</TxId> for SEPA Direct Debits

2.150 2.130 MandateId <MndtId>cccc</MndtId> for SEPA Direct Debits

2.151 2.131 ChequeNo <ChqNb>00122344</ChqNb> not stated

3.15. Amount Details, 2.156 (camt.053) 2.136 (camt.054)

The amount in TxAmt is the amount booked to the account or adding up to NtryAmt if booked in a lump sum.

camt.053 camt.054 Message item Sample / Values Description 2.156

2.1.9

2.136

2.1.9

Transaction Amount

TxAmt <AmtDtls> <TxAmt> <Amt Ccy="NOK">128308.00</Amt> </TxAmt> </AmtDtls>

TxAmt is always stated on NtryDtls-level, if single booked or lump sum booked.

2.1.11 2.1.11 CurrencyExchange (TxAmt

Related) Used for Currency Exchange reporting

in the exchange case. When Instructed amount differs from the booked amount in TxAmt the following details are reported:

For Incoming transactions – credits. Any Exchange rate is always stated under TxAmt.

2.156

2.136

TransactionAmount

InstructedAmount

XchgRate

PrtryAmt

Case 1: debtor has deducted charges <AmtDtls> <InstdAmt> <Amt Ccy="GBP">28433.00</Amt> </InstdAmt> <TxAmt> <Amt Ccy="GBP">28429.00</Amt> </TxAmt> Case 2: Instructed amount converted by DbtrAgt. USD credited a USD account <AmtDtls>

In SWIFT message MT103 33B: Original amt = InstdAmt 32A: Interb settled amt = PrtryAmt

case 1: 33B: GBP 28433.00

32A: GBP28429.00

case 2: 33B: MXN10000.00


31

<InstdAmt> <Amt Ccy="MXN">10000.00</Amt> </InstdAmt> <TxAmt> <Amt Ccy="USD">680.00</Amt> </TxAmt> </AmtDtls> case 3: Instructed amount in one currency paid interbank credited to an account in another currency <AmtDtls> <InstdAmt> <Amt Ccy="NOK">128288.00</Amt> </InstdAmt> <TxAmt> <Amt Ccy="SEK">146398.42</Amt> <CcyXchg> <SrcCcy>NOK</SrcCcy> <TrgtCcy>SEK</TrgtCcy> <UnitCcy>NOK</UnitCcy> <XchgRate>1.14117</XchgRate> </CcyXchg> </TxAmt> </AmtDtls> UNIT CURRENCY = NOK � 1NOK = 1,14117 SEK case 4: Instructed amount converted by DbtrAgt and received amount credited an account in a currency different from received. Currency Exchange always stated under TxAmt. Received currency and amount stated under PrtryAmt with Tp = IBS <AmtDtls> <InstdAmt> <Amt Ccy="MXN">10000.00</Amt> </InstdAmt> <TxAmt> <Amt Ccy="SEK">4658.00</Amt> <CcyXchg> <SrcCcy>USD</SrcCcy> <TrgtCcy>SEK</TrgtCcy> <UnitCcy>USD</UnitCcy> <XchgRate>6.85</XchgRate> </CcyXchg> </TxAmt> <PrtryAmt> <Tp>IBS</Tp> <Amt Ccy="USD">680.00</Amt> </PrtryAmt> </AmtDtls> UNIT CURRENCY = USD � 1USD = 6,85 SEK

32A: USD 680.00

case 3: 33B: NOK128288.00

32A: NOK128288.00

InstdAmt x XchgRate = TxAmt

(multiply when

Instd currency = Unit currency)

NOK 128288 * 1.14117 = SEK 146398.42

case 4: 33B: MXN 10000.00

32A: USD 680.00

The exchange rate MXN/USD not accounted

for

PrtryAmt x XchgRate = TxAmt

(when Unit currency = Prtry currency)

{TxAmt = PrtryAmt x XchgRate}

USD 680 * 6.85 = SEK 4658

Outgoing – debits

2.156

2.136

TransactionAmount

InstructedAmount

XchgRate

PrtryAmt

case 5: <AmtDtls> <InstdAmt> <Amt Ccy="GBP">175.16</Amt> </InstdAmt> <TxAmt> <Amt Ccy="SEK">1428.36</Amt> <CcyXchg> <SrcCcy>GBP</SrcCcy> <TrgtCcy>SEK</TrgtCcy> <UnitCcy>GBP</UnitCcy> <XchgRate>10.474000</XchgRate> </CcyXchg> </TxAmt> <PrtryAmt>

Instructed to pay GBP 175.16 debited an

account in SEK.


(when Unit currency = Prtry currency)


32

<Amt Ccy="GBP">175.16</Amt> </PrtryAmt> </AmtDtls> UNIT CURRENCY = GBP � 1GBP = 10,4740 SEK case 6 <AmtDtls> <InstdAmt> <Amt Ccy="SEK">5000.00</Amt> </InstdAmt> </TxAmt> <Amt Ccy="SEK">5000.00</Amt> <CcyXchg> <SrcCcy>EUR</SrcCcy> <TrgtCcy>SEK</TrgtCcy> <UnitCcy>EUR</UnitCcy> <XchgRate>9.951000</XchgRate> </CcyXchg> <TxAmt> <PrtryAmt> <Tp>IBS</Tp> <Amt Ccy="EUR">502.46</Amt> </PrtryAmt> </AmtDtls> UNIT CURRENCY = EUR � 1EUR = 9,9510 SEK

Instructed to pay SEK 5000 in EUR

Paid amount in PrtryAmt


(when unit currency = Prtry currency)

Interest reporting

2.156

TransactionAmount

<AmtDtls> <TxAmt> <Amt Ccy="EUR">1420664.81</Amt> </TxAmt> /AmtDtls>

TxAmt reports the interest amount per

interest type component and the

components are aggregated at the Entry

Amount level.

3.16. Bank Transaction Codes, 2.163 or 2.143 Note! These set of elements are not used on this level but only when a lump sum booking consists of different products, e.g. in Norway Direct Debits (B2C) and Credit Transfers and for Reversals of Direct Debits in

Denmark, if netted BankTransactionCodes (normally in the tags 2.91 and 2.71 resp)


33

3.17. Charges, 2172 or 2152


2.172 2.152

Charges <Chrgs> <Amt Ccy="SEK">14</Amt> <Tp> <Cd>COMM</Cd> </Tp> </Chrgs>

This is given as info for lump sum bookings in Sweden. Booked separately or monthly as per agreement

3.18. Interest, 2.166 (camt.054 only)

Interest element on the Transaction Details level is used only for the Interest reporting type of camt.054

message and not at all for the camt.053.


- 2.166 Interest Used only in the interest reporting

(camt.054)

- 2.167 Amount <Amt Ccy="EUR">1420664.81</Amt> Interest amount


34

- 2.168 CreditDebitIndicator <CdtDbtInd>DBIT</CdtDbtInd> DBIT or CRDT

- 2.177 FromToDate

- FromDateTime <FrDtTm>2014-08-28T00:00:01Z</FrDtTm>

The date and time from where the

interst reporting period has started

- ToDateTime <ToDtTm>2014-08-28T23:59:59Z</ToDtTm>

The date and time from where the

interst reporting period has ended

- 2.178 Reason <Rsn>ACCD</Rsn> Accrued interest report

‘ACCD’ = Accrued debit interest

‘ACCC’ = Accrued credit Interest

‘ACCO’ = Accrues overdraft interest

‘ACDA’ = Adjusted accrued debit

interest

‘ACCA’ = Adjusted accrued credit

interest

‘ACOA’ = Adjusted accrued overdraft

interest

Interest capitalisation

‘BKDD’ = Booked debit interest

‘BKDC’ = Booked credit interest

’BKDO’ = Booked overdue interest

‘BKDA’ = Booked debit interest,

adjusted

‘BKCA’ = Booked credit interest,

adjusted

‘BKOA’ = Booked overdue interest,

adjusted


35

3.19. Related parties on transaction level, 2.199 and 2.179

3.17.1 Debtor, 2.201 (camt.053) 2.181 (camt.054)


36


2.200 2.180 Initiating Party not used

2.201 2.181 Debtor

Debtor's Id

<RltdPties> <Dbtr> <Nm>PAYERS NAME1</Nm> <Id> <OrgId> or PrvtId <Othr> <Id>C55113301</Id> <SchmeNm> <Cd>CUST</Cd> </SchmeNm> </Othr> </OrgId> </Id> </Dbtr>

On debits (credits: direct debits): name only On credits (credit transfers): also address AT-10 in SCT {Rule: In instances where the ReversalIndicator is Yes the 'Creditor and Debtor' must be the same as the 'Creditor and Debtor' of the original entry} Applicable for SEPA Direct Debits For Nordic Direct debit this is the Debtor id.

3.17.2 DebtorAccount, 2.202 (camt.053) 2.182 (camt.054)


2.202 2.182 Debtor Account <DbtrAcct> <Id>

Debits


37

<Othr> <Id>1853738</Id> <SchmeNm><Cd>BGNR</Cd></SchmeNm> </Othr> </Id> <Ccy>SEK</Ccy> </DbtrAcct> or <Othr> <Id>52351603698</Id> <SchmeNm><Cd>BBAN</Cd</SchmeNm> </Othr> <Id> <Ccy>EUR</Ccy> or <Id> <IBAN>SE2750000000052018218239</IBAN> </Id> <Ccy>EUR</Ccy>

A BBAN or IBAN formatted debtor account. For outgoing domestic payments in Sweden debtor's bankgiro number. Credits In the Nordic countries the debtor account is not stated but in local German transaction (including SEPA) it is stated. Direct debits: Not stated Interest reporting: the DebtorAccount reports always the charges counter account.

3.17.3 Ultimate Debtor, 2.203 (camt.053) 2.183 (camt.054)


2.203 2.183 UltimateDebtor <UltmtDbtr><Nm> Name only

Identification <Id> <OrgId> <Othr> <Id>21998-EUR</Cd> <SchmeNm><Cd>EANG</Cd></SchmeNm> </Othr> </OrgId>

AT-09 in SCT

3.17.4 Creditor, 2.204 (camt.053) 2.184 (camt.054)


2.204 2.184 Creditor <Cdtr> <Nm>Creditor Corp</Nm>

debit and credit: Name only

Identification <OrgId> Credit transfers: For id's given by


38

<Othr> <Id>1709251-GBP</Cd> <SchmeNm><Cd>XXXX</Cd></SchmeNm> </Othr> </OrgId>

the customer in pain.001 as code

is used from the ISO 20022

External Code List

AT-24 in SCT

3.17.5 Creditor Account, 2.205 (camt.053) 2.185 (camt.054)


2.205 2.185 CreditorAccount <CdtrAcct> <Id> <IBAN>GB29NWBK60161331926819</IBAN> or <Othr> <Id>52351603698</Id> <SchmeNm> <Cd>BBAN</Cd> </SchmeNm> </Id> </Othr>

only stated for debits

and

in the interest reporting the

CreditorAccount reports always

the interest booking account.

Currency

3.17.6 Ultimate Creditor, 2.206 (camt.053) 2.186 (camt.054)

camt.053 camt.054


2.206 2.186 UltimateCreditor <UltmtCdtr> <Nm>PSD DIRECTIVE DEPT</Nm> <CtryOfRes>BE</CtryOfRes>

Name only

Identification <OrgId> <Othr> <Id>552214755</Id> <SchmeNm><Cd>XXXX</Cd></SchmeNm> </Othr> </OrgId>

AT-29 in SCT


39

3.20. Related Agents, 2.211 (camt.053) 2.191 (camt.054)


2.211 2.191 Debtor

Agent

debits: <RltdAgts> <DbtrAgt> <FinInstnId> <Nm>Skandianviska Enskilda Banken AB</Nm> </FinInstnId> </DbtrAgt> <CdtrAgt>

<FinInstnId> <BIC>BMSXMXMM</BIC>

</FinInstnId>

</CdtrAgt>

<IntrmyAgt1>

<FinInstnId> <BIC>CHASUS33</BIC>

</FinInstnId>

</IntrmyAgt1>

</RltdAgts> credits: <RltdAgts> <DbtrAgt> <FinInstnId> <BIC>CITIGB2L</BIC> </FinInstnId> </DbtrAgt>

For debits SEB states full name to

facilitate possibility to send copy to

creditor

Debtor Agent's BIC for cross border

payments. Not stated for domestic

payments.

Intermediary agents on debits


40

3.21. Purpose Code, 2.224 (camt.053) 2.204 (camt.054)


2.224 2.204 Purpose Code <Purp> <Cd>SUPP</Cd> </Purp>

ISO 20022 external code list

3.22. Remittance Information, 2.234 (camt.053) 2.214 (camt.054)

Always mapped for credit transactions (incoming credit transfers – not direct debits) but for the debit

transactions the remittance information can be mapped per customer if needed.


2.235 2.215 unstructured

remittanceinfo

[0..n]

<RmtInf> <Ustrd>free text information</Ustrd> <Ustrd>free text information</Ustrd> <Ustrd>free text information</Ustrd> </RmtInf>

2.236 2.216 structured <Strd> <RfrdDocInf> <Tp> <CdOrPrtry> <Cd>CINV</Cd> </CdOrPrtry> </Tp> <Nb>371213794</Nb> </RfrdDocInf> <RfrdDocAmt> <DuePyblAmt Ccy="SEK">381.00</DuePyblAmt> </RfrdDocAmt> <CdtrRefInf> <Tp> XOR <CdOrPrtry> <Cd>SCOR</Cd> </CdOrPrtry> </Tp> <Ref>2028968018101461</Ref> </CdtrRefInf> </Strd>

CINV or SCOR or CREN


41

3.23. Related Dates 2.266 (camt.053) 2.246 (camt.054)

Used in Finnish account reporting for incoming SEPA payments from other Finnish operating bank as the debit

date from the Debtor Account at the Debtor Agent.


2.267 2.247 AcceptanceDate <RltdDts> <AccptncDtTm>2011-10-27T00:00:00</AccptncDtTm> </RltdDts>

AOS1- info: Debit date at Debtor bank

2.274 2.254 Proprietary Used only for interest reporting

2.275 2.255 Type ‘INTR’ = Interest Date

2.276 2.256 Date <Prtry> <Tp>INTR</Tp> <Dt> <Dt>2014-08-28</Dt> </Dt> </Prtry>

Interest date value for the interest report

3.24. Additional Transaction Information, 2.313 (camt.053) 2.293 (camt.054)


2.313 2.293 Additional

TransactionInformation

Booking references

<AddtlTxInf>081103780980161 000000009423047</AddtlTxInf> Interest reporting

<AddtlTxInf>EXTR</AddtlTxInf>

May include some additional reporting

references for booking reports. In the

interest report values are

‘EXTR’ = External interest

‘INTN’ = Internal interest


42

4. Message Samples camt.052, camt.053 and camt.054 samples are delivered as a separate folder package attached to this SEB

MIG in a folder “SEB_camt.052_053_054_Samples”.


43

Appendix 1. camt.053 and camt.054 Bank Transaction Code list used by SEB

Transaction type in SEB Domain Family Sub-family Proprietary Comments

Cross border payments, Debit PMNT ICDT XBCT TRF

Cross border payments,

Credit

PMNT RCDT XBCT TRF

Domestic payments, Debit PMNT ICDT DMCT TRF

Domestic payments, Credit PMNT RCDT DMCT TRF

Domestic payments, ACH,

Debit

PMNT ICDT ATXN TRF

Domestic payments, ACH,

Credit

PMNT RCDT ATXN TRF

Issued payment, return PMNT ICDT RRTN RTR

Received payment, return PMNT RCDT RRTN RTR

Tax Payments (PL) PMNT ICDT TAXE TRF

Intra-company, outgoing PMNT ICCN ICCT Varies Proprietary code added

with explanatory text if

available

Salary payments PMTN ICDT SALA TRF

Internal book transfer, Debit PMTN ICDT BOOK BKI

Internal book transfer, Credit PMTN RCDT BOOK BKI

Issued Cheques PMNT ICDT BCHQ CHK

Issued Cheques PMNT ICHQ CCHQ CHK or CHN

Issued Cheques PMNT ICHQ CCHQ CHK or CHN

Received Cheques PMNT RCHQ CCHQ CHK or CHN

Received Cheques PMNT RCHQ CCHQ CHK or CHN

SEPA Credit Transfers, Debit PMNT ICDT ESCT TRF

SEPA Credit Transfers, Credit PMNT RCDT ESCT TRF

SEPA Recalls PMNT ICDT RRTN TRF

SEPA Recalls PMNT ICDT RPCR TRF

Miscellaneous payments PMNT NTAV NTAV Varies Proprietary code added

with explanatory text if

available

Direct Debits, SEPA, debtor PMNT RDDT ESDD TRF

Direct Debits, other, debtor PMNT RDDT PMDD TRF

Direct Debits, SEPA, creditor PMNT IDDT ESDD TRF

Direct Debits, other, creditor PMNT IDDT PMDD TRF

Direct Debits, reversal of

debit, return and rejects

PMNT RDDT UPDD TRF


debit, reversals and refusals

PMNT RDDT PRDD TRF


debit, refund due to

cancellation

PMNT RDDT RCDD TRF


credit, returns and rejects

PMNT IDDT UPDD TRF


credit, reversals and refusals

PMNT IDDT PRDD TRF

Direct Debits, reversal of PMNT RDDT RCDD TRF


44

Transaction type in SEB Domain Family Sub-family Proprietary Comments

credit, refund due to

cancellation

Interest, Debit ACMT MDOP INTR INT

Interest, Debit ACMT MCOP INTR INT

Charges, Debit ACMT MDOP CHRG CHG

Charges, Credit ACMT MCOP CHRG CHG

Other type of bank generated

transactions, Debit

ACMT MDOP OTHR CHG

Other type of bank generated

transactions, Credit

ACMT MCOP OTHR CHG

Commissions, Debit ACMT MDOP COMM COM

Commissions, Credit ACMT MCOP COMM COM

Zero balancing CAMT ACCB ZABA CMZ

Zero balancing, sweep CAMT ACCB SWEP CMS

Zero balancing, topping CAMT ACCB TOPG CMT

Money Market / Securities

booking, Credit

SECU MCOP OTHR SEC

Money Market / Securities

booking, Debit

SECU MDOP OTHR SEC

Foreign Exchange booking,

Credit

FORX MCOP OTHR FEX

Foreign Exchange booking,

Debit

FORX MDOP OTHR FEX

NOTE! For Intra Company transactions All – cash pool internal, book transfers, domestic, cross border: Credit: CAMT, RCCN, ICCT

Debit: CAMT, ICCN, ICCT

This code is stated for Ntry, and on transaction level the respective payment code is quoted.


45

Appendix 2. Change Log and attached documentation

Version Date Change description

12.3.0.0 2012-09-10 Version and document numbering change

12.3.0.0 2012-09-10 Added Related Account and TxAmt/CcyXchg used elements into the available

elements table

12.4.0.0 2012-09-22 Message header and Statement/Notification creation date can be set by

customer as a “Zulu-time” meaning absolute GMT time.

13.3.0.0 2013-09-24 Camt-message namespace definition updated to accurate and recommended

XML-documentation level

14.3.0.0 2014-10-13 1. Layout change aligned to other SEB MIG documentation

2. Addition of the camt.054 interest reporting

14.3.0.0 2014-10-13 Attached the supporting sample file folder SEB_camt.053_054_Samples with

various camt.053 and camt.054 use case message samples

14.3.0.1 2014-11-07 Changes in the Interest Reporting definititions

15.1.0.1 2015-02-16 More BTC codes added to meet the imporvements in the camt-message

booking product detection

15.1.0.1 2015-03-20 More detailed general description of the camt.054 report for Accrued and

Capitalised interests

15.2.0.0 2015-05-11 camt.052 intra-day balance report message added and also an appendix 1 for

all SEB used Entry-level Bank Transaction Codes in the camt.053 and camt.054

messages


46

Information

SEB Transaction Banking

www.sebgroup.com

Documents

SEB ISO 20022 Message Implementation GuidelineFILE/SEB_MIG_ISO20022XML_Camt… · SEB ISO 20022 Message Implementation Guideline ... 2. ISO 20022 camt.053.001.02 ... message for End-of-Day