Spreadsheet: 110872d1307453759-cascading-down-down-lists-all-edm
Sheet: Sheet1

ID | Term | Definition | Alias | Glossary Entry Type | EDM Concept | EDM Subject Area | EDM Entity | Last EDM Update version
1 | Customer | The collection of static data that is central to the interactions between the bank and a customer. It contains data to identify and contact a client as well as attributes of the customer, information about the nature of the relationship with the customer and the rules by which the relationship is conducted. |  | Conceptual Area | Customer |  | Customer | 0.7.63
2 | Customer Finance and Risk | The collection of financial data pertaining to a customer or the financial aspect of an arrangement with that customer and to the bank’s financial exposure to a customer default. |  | Conceptual Area | Customer Finance & Risk |  | Customer Finance & Risk | 0.7.63
3 | Customer Activity | Data relating to the actions of Customers with the bank. |  | Conceptual Area | Customer Activity |  | Customer Activity | 1.0.00
4 | Business | The collection of static data that describes how the bank is structured and the products and services that it offers. |  | Conceptual Area | Business |  | Business | 0.7.63
5 | Business Finance and Risk | The collection of financial data pertaining to the operations of the bank and processes required to manage the bank's financial position and the risk that an adverse event (excepting an adverse Credit event which is regarded as “Customer Risk”) will result in a loss. |  | Conceptual Area | Business Finance & Risk |  | Business Finance and Risk | 0.7.63
6 | Business Activity | The collection of data relating to specific actions taken by the bank in managing its ongoing business. |  | Conceptual Area | Business Activity |  | Business Activity | 0.7.63
7 | Customer | A recognised legal entity that has a contract (or potential) to receive services or products from the Bank or one of its Organization Units. |  | Entity | Customer | Customer Information | Customer | 0.8.68
8 | Individual | A single natural person (i.e. human being) who receives services or products from the Financial Institution or one of its Organization Units, or who is a potential recipient of such services or products. An Individual will need to have completed the Know Your Customer (KYC) checks before they can transact on any products or services provided by the Bank. |  | Entity | Customer | Customer Information | Individual | 0.7.63
9 | Corporation | An organization formed with governmental approval to act as an artificial person to carry on business (or other activities). A corporation can receive services or products from the Financial Institution or one of its Organization Units, or is a potential recipient of such services or products. |  | Entity | Customer | Customer Information | Corporation | 0.8.68
10 | Sovereign/Government | An organisation classified as either a foreign central government or agency backed by full faith and credit of the government. |  | Entity | Customer | Customer Information | Sovereign/Government | 0.8.68
11 | Other Organisation | Any other type of organisation that can legally enter a contract with the bank eg Not for Profit Organisation, Sports Club. |  | Entity | Customer | Customer Information | Other Organisation | 0.8.68
12 | Customer Grouping | Describes all instances of relationships between two customers. The same two customers may be related in several types of relationships. |  | Entity | Customer | Customer Information | Customer Grouping | 1.0.00
13 | Joint | Joint policy or account owners, individual customers related by being joint owners of a policy or account. |  | Entity | Customer | Customer Information | Joint | 1.0.00
14 | Partnership | An organisation in which two or more individuals pool money, skills, and other resources, and share profit and loss in accordance with terms of the partnership agreement. In the absence of such an agreement, a partnership is assumed to exist where the participants in an enterprise agree to proportionately share the associated risks and rewards. The individuals who make up the partnership will be the ones that the Financial Institution sells products and services to. |  | Entity | Customer | Customer Information | Partnership | 1.0.00
15 | Trust | A legal arrangement in which an individual or corporation (the trustee) has been given fiduciary control of assets or property by an individual (the trustor) for the benefit of one or more beneficiaries. In this case, the people who administer the trust will be the ones that the Financial Institution sells products and services to. |  | Entity | Customer | Customer Information | Trust | 1.0.00
16 | Household | A grouping of Individuals who are normally resident at the same Address, normally members of the same nuclear or extended family, who share a common economic interest and who may be treated for certain purposes (e.g. marketing campaigns) as a unit. |  | Entity | Customer | Customer Information | Household | 0.7.63
17 | Family | Two or more persons related by blood, marriage, adoption or de-facto partnership. |  | Entity | Customer | Customer Information | Family | 1.0.00
18 | Managed Group | A grouping of Individuals who are related by a common theme. For example, they may be members of a club (e.g. Ballarat Football Club) or association (e.g. [NAME]). |  | Entity | Customer | Customer Information | Managed Group | 0.7.63
19 | Ownership Structure | Ownership structure defines who owns the business, including controlling entities, who assumes liability, how profits are divided and how your business will be taxed. Four common business structures are sole-proprietorship, partnerships, corporations, and limited liability companies. |  | Entity | Customer | Customer Information | Ownership Structure | 0.8.68
20 | Segmentation | The classification of a customer base into groups of individuals that are similar in specific ways relevant to marketing, such as age, gender, interests, spending habits, etc. |  | Entity | Customer | Customer Information | Segmentation | 0.8.68
21 | Demographic | Socioeconomic groups, characterized by age, income, sex, education, occupation, etc., that comprise a market niche. |  | Entity | Customer | Customer Information | Demographic | 0.7.64
22 | Industry | A basic category of business activity. The term industry is sometimes used to describe a very precise business activity (e.g. semiconductors) or a more generic business activity (e.g. consumer durables). If a company participates in multiple business activities, it is usually considered to be in the industry in which most of its revenues are derived. |  | Entity | Customer | Customer Information | Industry | 0.8.68
23 | Asset Type | A segmentation scheme where a customer is identified by the types of assets that they hold. For example, cash, own home, or equities. |  | Entity | Customer | Customer Information | Asset Type | 0.8.68
24 | Market | A segmentation scheme where a customer is identified by a combination of other segmentation schemes. |  | Entity | Customer | Customer Information | Market | 0.7.63
25 | Value / Net Worth | Customer value measure - for bank this is Total Assets less Total Liabilities (Equity).  For Business, net worth represents the stockholders equity. |  | Entity | Customer | Customer Information | Value / Net Worth | 1.0.00
26 | Attitudinal | Attitudinal segments are defined by the individual customers attitudes to finance, risk, investment and advice. It is the information that the company collects and it relates to the value a customer sees in the company's offerings of products, or finance, risk, investment and advice. |  | Entity | Customer | Customer Information | Attitudinal | 1.0.00
27 | Risk Profile | Risk profile generated through the preparation of a statement of advice for an individual. |  | Entity | Customer | Customer Information | Risk Profile | 1.0.00
28 | Privacy / Preferences | Describes the way in which customers want to be contacted, how they want their contact information to be used. |  | Entity | Customer | Customer Information | Privacy / Preferences | 1.0.00
29 | Verification | Data held relating to the verification of the identity of a customer (e.g. Know Your Customer (KYC)). The bank will record the details of documents used to verify a customer's identity such as drivers licence, passport, etc. for individual and ASIC Direct Extract, Memorandum & Articles of Association, Constitution, Deed of Partnership, etc for organisation ASIC Direct Extract, Memorandum & Articles of Association, Constitution, Deed of Partnership, Business Name Search Trust Deeds etc. |  | Entity | Customer | Customer Information | Verification | 1.0.00
30 | Privacy | Data held relating to the  handling and protection of sensitive personal information that individuals provide in the course of everyday transactions. |  | Entity | Customer | Customer Information | Privacy | 0.8.68
31 | Notified Authority | A written instruction from a customer instructing NAB to allow certain transactions, or make payments on a nominated day to another party, e.g. periodical payment. A signing authority for an account. |  | Entity | Customer | Customer Information | Notified Authority | 0.8.68
32 | Contact Information | The collection of data that enables the Bank to uniquely identify a person for the purposes of contacting them through one or more Service Delivery Channels. The person may be an individual customer or someone who interacts with the Bank on behalf of a corporation. |  | Entity | Customer | Customer Information | Contact Information | 0.8.68
33 | Financial History | Information about a customer’s historical financial position. For an individual, this comprises a list of assets & liabilities. For an organisation, this comprises a Profit & Loss / balance sheet. A customer’s financial history can be used to determine their creditworthiness, or assess their business potential (e.g. Wealth Management). |  | Entity | Customer | Customer Information | Financial History | 0.8.68
34 | Advice Data | Data, including evidence of advice, upon which a customer may rely when making financial decisions.  This includes both advice provided and the data which was used in formulating the advice.  It may also include details of relevant customer actions in response to the advice provided. |  | Entity | Customer | Customer Information | Advice Data | 1.0.00
35 | Authorised Representative | An Individual that has been granted the legal right to transact with the Bank on behalf of a customer. For example, someone who has been granted Power of Attorney. |  | Entity | Customer | Customer Information | Authorised Representative | 1.0.00
36 | Merchant | A corporation that makes use of the Bank's services to effect a sale of a product or service. For example, a corporation that uses the Bank's Credit Card or EFT POS Service Delivery Channels. |  | Entity | Customer | Intermediary | Merchant | 0.7.63
37 | Broker | An individual or corporation which acts as an intermediary between a buyer and seller, usually charging a commission. For securities and other financial market instruments, a license is required. |  | Entity | Customer | Intermediary | Broker | 0.7.63
38 | Agent | An organisation or individual that has express written or implied authority to act for the bank so as to bring the bank into contractual relationships with other parties. An agent is under the control of (is obligated to) the bank, and (when acting within the scope of authority delegated by the bank) binds the bank with the agent’s acts. |  | Entity | Customer | Intermediary | Agent | 0.7.63
39 | Dealership Business Group | Banner Group that the adviser dealership group is sub-ordinate to i.e.. Count Wealth Advisers. |  | Entity | Customer | Intermediary | Dealership Business Group | 1.0.00
40 | Aligned Advisor | Financial adviser is an Authorised Representative who provides personal financial advice to individual, businesses and trustees.  MLC' aligned [NAME]'s hold a letter of authority granted by their licensee, either GPL, [NAME] or GWM Adviser Services Ltd. The LoA permits the adviser to give the financial product advice. All [NAME]'s are self employed and their services may include, but are not limited to, advice on investment planning, superannuation, insurance, debt, retirement, tax and estate planning. |  | Entity | Customer | Intermediary | Aligned Advisor | 1.0.00
41 | Non Aligned Advisor | A financial adviser who is an Authorised Representative of a license that is not operated by the nab Group. Generally referred to as an IFA/EFA |  | Entity | Customer | Intermediary | Non Aligned Advisor | 1.0.00
42 | Geographic | An address that identifies a place on the surface of the Earth. A geographic address can coincide with a postal address but it doesn't have to (e.g. [NAME]). |  | Entity | Customer | Customer Location | Geographic | 0.7.63
43 | Postal | An address that identifies a location where a letter or parcel can be delivered by the Post Office. A postal address can coincide with a geographic address but it doesn't have to (e.g. [NAME]). |  | Entity | Customer | Customer Location | Postal | 0.7.63
44 | Electronic | An Address that is a logical entry point into an electronic delivery system (e.g. email or telephone). |  | Entity | Customer | Customer Location | Electronic | 0.7.63
45 | Application | The lodgement of a formal request to create an arrangement, including supporting data to facilitate evaluation. |  | Entity | Customer | Application | Application | 1.0.00
46 | Application Facility | The service delivery channel through which a customer can make an application and query its processing status. For example, an application can be made over the counter, via telephone, or via the internet. |  | Entity | Customer | Application | Application Facility | 0.7.63
47 | Applicant | An existing or potential customer who wishes to use the product or service that is being applied for. They will be legally responsible for accepting the terms and conditions of the arrangement should the application be successful. For example, the applicant for a life insurance policy will be the person whose life is being insured, regardless of who will be paying the premium. |  | Entity | Customer | Application | Applicant | 0.7.63
48 | Application Score | The assessment of the suitability of granting the application, which then determines the bank’s response to the applicant. The sore is often expressed as a number that then falls within a particular band, which determines the response. For example, a score may result in the bank rejecting the application, accepting it unconditionally, or accepting it with conditions (also known as exclusions). |  | Entity | Customer | Application | Application Score | 0.7.63
49 | Cash | A sum of money in the possession of the customer. It may be in any currency (e.g. USD, AUD). |  | Entity | Customer | Asset | Cash | 0.7.63
50 | Negotiable Security | A negotiable instrument evidencing financial obligation of a third party (e.g. coupon bonds, bearer notes, bearer warrants, stock certificates, and coupons). |  | Entity | Customer | Asset | Negotiable Security | 0.7.63
51 | Property | Something that an entity has a right of ownership to. A property can be tangible, such as real estate, or intangible, such as a copyright or trademark. |  | Entity | Customer | Asset | Property | 0.7.63
52 | Equity | An ownership interest in a corporation in the form of common stock or preferred stock. |  | Entity | Customer | Asset | Equity | 0.7.63
53 | Commodity | A physical substance, such as food, grains, and metals, which is interchangeable with another product of the same type. An investor typically will buy or sell a commodity through a futures contract. |  | Entity | Customer | Asset | Commodity | 0.7.63
54 | Collateral Arrangement | A customer arrangement that permits the bank to seize assets or seek restitution from a Third Party in the event of a default on its obligations. |  | Entity | Customer | Collateral | Collateral Arrangement | 0.7.63
55 | Charge | A document evidencing mortgage security required by [NAME] (law derived from English law). A Fixed Charge refers to a defined set of assets and is usually registered. A Floating Charge refers to other assets which change from time to time (i.e. cash, inventory, etc.), which become a Fixed Charge after a default. |  | Entity | Customer | Collateral | Charge | 0.7.63
56 | Mortgage | The conveyance of the conditional right of ownership ([NAME]) on an asset or property by its owner (the mortgagor) to a lender (the mortgagee) as security for a loan. A mortgage is superior to a lien in that a mortgage is recorded in the register of title documents to make it public information, and is voided when the loan is repaid in full, whereas a [NAME] does not have to be registered. |  | Entity | Customer | Collateral | Mortgage | 0.7.63
57 | [NAME] | A legal claim against an asset which is used to secure a loan and which must be paid when the property is sold. |  | Entity | Customer | Collateral | [NAME] | 0.7.63
58 | Pledge | A Cash deposit or placing of owned property by a debtor (the pledger) to a creditor (the pledgee) as a security for a loan or obligation. The pledgee has an implied right to confiscate and/or sell the pledged property to satisfy his or her claim in case of a default. |  | Entity | Customer | Collateral | Pledge | 0.7.63
59 | RMD | Registered Mortgage Debenture (RMD) - Instrument used by companies to take charge over fixed & floating assets. |  | Entity | Customer | Collateral | RMD | 0.7.65
60 | Guarantee | An agreement by a third party, accepting responsibility for an obligation if the party with primary responsibility for the obligation does not meet it. |  | Entity | Customer | Collateral | Guarantee | 0.7.63
61 | Collateral Valuation | The valuation of collateral (Asset) at a point in time (e.g. insurance value, market value, nominal value, bank value, owner estimated value, prior claim value, etc). |  | Entity | Customer | Collateral | Collateral Valuation | 0.7.63
62 | Collateral Prior Claim | Any prior claim over collateral where one or more commitments must be honoured before the subject collateral arrangement is honoured. |  | Entity | Customer | Collateral | Collateral Prior Claim | 0.7.63
63 | Collateral Documentation | The documents or references supplied as a supporting evidence of a collateral. Example of such documentation includes certificate of title, and insurance certificate. |  | Entity | Customer | Collateral | Collateral Documentation | 0.7.65
64 | Arrangement Information | The set of data around the establishment of a particular product arrangement with a customer. It will include such data as Contract Start Date, Account Number, Initial Deposit Amount, and Registration Number. |  | Entity | Customer | Product Structure Arrangement | Arrangement Information | 0.7.65
65 | Agreed Product Relationship | The selection of allowable products for a given product arrangement. In addition, it details how the products are linked. For example, a customer will select a credit card product, a set-off account product and a lending product from the list of allowable products for a given type of customer. |  | Entity | Customer | Product Structure Arrangement | Agreed Product Relationship | 0.7.65
66 | Agreed Term or Condition | A general or special arrangement, provision, requirement, rule, specification, or standard that forms an integral part of the specific agreement or contract between the bank and a customer. The bank will usually provide a set of Standard Terms and Conditions as part of a product definition. The customer and the bank will select terms and conditions from this set to create a particular arrangement. For example, the bank may provide a set of repayment options for a loan from which the customer will select one. |  | Entity | Customer | Product Structure Arrangement | Agreed Term or Condition | 0.7.65
67 | Rate Lock | A condition that allows a customer to "lock-in" their fixed interest rate for an agreed period. It gives the customer certainty by guaranteeing the rate. |  | Entity | Customer | Product Structure Arrangement | Rate Lock | 0.7.65
68 | Limit | A constraint on the balance of an exposure or transaction |  | Entity | Customer | Product Structure Arrangement | Limit | 0.7.65
69 | Fee | A form of remuneration to the bank which represents an amount beyond the initial cost estimates, and reflects factors such as the risks involved. A fee is usually subject to statutory limitations, and may be either fixed (as in a cost plus fixed fee contract) or allowed to vary within a specified range (as in a cost plus incentive fee contract).. |  | Entity | Customer | Product Structure Arrangement | Fee | 0.7.65
70 | Interest Rate | The specified rate which will be charged or paid for the use of money. An interest rate is often expressed as an annual percentage of the principal. An interest rate may be fixed for the term of an arrangement (e.g. term deposit or fixed rate loan), vary over the period of the arrangement (e.g. variable rate home loan, credit card rate, or standard deposit account), or a mixture of both. |  | Entity | Customer | Product Structure Arrangement | Interest Rate | 0.7.65
71 | Insurance Benefits | The contractual payout agreed to by the carrier for the policy holder. |  | Entity | Customer | Product Structure Arrangement | Insurance Benefits | 1.0.00
72 | Arrangement Commission | Payment to an financial adviser or dealer group for the placement of business.  There are two types of commission: Initial Commission and Ongoing or Trail Commission |  | Entity | Customer | Product Structure Arrangement | Arrangement Commission | 1.0.00
73 | Arrangement Information | Data required to describe the arrangement between the bank and the intermediary party. The agreement to sell products, the rules and engagement associated with the sale, exchange or provision of goods and services and fees/commissions payable. |  | Entity | Customer | Intermediary Arrangement | Arrangement Information | 0.8.68
74 | Agreed Product Relationship | The data in regards to the selection of allowable products and their characteristics that may be brokered by an intermediary or sold through a third party. |  | Entity | Customer | Intermediary Arrangement | Agreed Product Relationship | 0.8.68
75 | Agreed Term or Condition | Specific data elements describing the terms and conditions between the bank and the intermediary for the setting up and servicing of the arrangement. |  | Entity | Customer | Intermediary Arrangement | Agreed Term or Condition | 0.8.68
76 | Intermediary Commission | Compensation paid to an Intermediary by the Bank when the Intermediary sells a product to a customer. A commission may be a fixed amount or a percentage of the total sale amount. |  | Entity | Customer | Intermediary Arrangement | Intermediary Commission | 1.0.00
77 | Trading Limit | The maximum value of a trade that an intermediary is allowed to make. The limit can be on a single trade as well as the total value of all trades in a specified period, usually a day. |  | Entity | Customer | Intermediary Arrangement | Trading Limit | 0.7.63
78 | Incentive | An inducement to an Intermediary to get them to sell more of the Bank's products and services to customers. An inducement may be financial (e.g. bonuses and retainers), reputational (e.g. membership of the "Million Dollar Club"), or a combination of both (e.g. invitation to join the "Million Dollar Club" conference held at a resort with all expenses paid by the Bank). |  | Entity | Customer | Intermediary Arrangement | Incentive | 0.7.63
79 | ISDA Agreement Instance | A specific use of a set of standard form templates for terms and conditions of financial contracts. The template is created by the International Swap Dealers Association and is a master agreement, under which transactions of the type specified in the agreement are transacted. |  | Entity | Customer | Customer Contract or Agreement | ISDA Agreement Instance | 0.7.63
80 | IFMA Agreement Instance | A specific use of a set of standard form templates for terms and conditions of financial contracts. The template is created by the International Financial Markets Association and is a master agreement, under which transactions of the type specified in the agreement are transacted. |  | Entity | Customer | Customer Contract or Agreement | IFMA Agreement Instance | 0.7.63
81 | Private Agreement | A set terms and conditions of financial contracts, used as a master agreement, under which transactions of the type specified in the agreement are transacted. The contract is negotiated directly between the counterparty and the bank |  | Entity | Customer | Customer Contract or Agreement | Private Agreement | 0.7.63
82 | Market Attributes | Specifies properties or attributes  that are specific to a customer  market. Examples include · Hours available · Location |  | Entity | Customer | Customer Markets Definition | Market Attributes | 0.8.68
83 | Market Rule | A requirement or limitation that governs the behaviour of market participants.  This  may include the provision of product statements . |  | Entity | Customer | Customer Markets Definition | Market Rule | 0.8.68
84 | Market Convention | A generally agreed default term or condition that applies to transactions negotiated within the context of a Customer Market. |  | Entity | Customer | Customer Markets Definition | Market Convention | 0.8.68
85 | Account Inoperative | A set of agreed rules/conditions which when met will result in customer account become inoperative. This usually consists of a minimum account balance threshold and a length of period since last transaction was performed on the account. |  | Entity | Customer | Product Structure Arrangement | Account Inoperative | 0.7.67
86 | Interest Margin | The difference between the agreed interest rate and the standard interest rate. (Numerical value can be a positive "premium" or negative "discount" value). |  | Entity | Customer | Product Structure Arrangement | Interest Margin | 0.7.67
87 | Prepayment Penalty | A charge imposed by the lender if the borrower pays off the loan early. |  | Entity | Customer | Product Structure Arrangement | Prepayment Penalty | 0.7.67
88 | Termination | Agreed terms or conditions which determine a termination or cancellation of the contract. It also signifies the process whereby an end is put to whatever remains to be performed thereunder. |  | Entity | Customer | Product Structure Arrangement | Termination | 0.7.67
89 | Tax | Amount of money due to the government or tax authority, according to various pre-defined parameters such as thresholds or income. |  | Entity | Customer | Product Structure Arrangement | Tax | 0.7.67
90 | Margin | The difference between the actual interest rate being charged from the standard interest rate. (Numerical value can be a positive “premium” or negative “discount” value) |  | Entity | Customer Finance & Risk | Arrangement Financials | Margin | 1.0.00
91 | Fee | A form of remuneration to the bank which represents a charge for a cost or service, recoup an expense, or reflects factors such as the risks involved. A fee is usually subject to statutory limitations, and may be either fixed (as in a cost plus fixed fee contract) or allowed to vary within a specified range (as in a cost plus incentive fee contract). |  | Entity | Customer Finance & Risk | Arrangement Financials | Fee | 0.8.68
92 | Brokerage Fee | A payment made to a broker in return for introducing an external contractual counterparty to the bank  brokerage may be paid at introduction or on a periodical basis during the term of the relevant contractual arrangement  (e.g. a stock trade). Fees charged by a financial adviser or advice practise for the provision of financial advise. Customers have the option of paying these fees directly on invoice, or having them deducted from the FUM invested. |  | Entity | Customer Finance & Risk | Arrangement Financials | Brokerage Fee | 1.0.00
93 | Interest | From the [NAME] perspective the term interest will cover both the Income  items such as Interest Receivable, being interest owed by Customers on loans, and expense items such as Interest Payable which is the Interest that the Bank will pay to Customers on deposit products. There will also be additional items that will cover:  Interest Accruals, Interest Suspended etc., that are needed for profitability calculations for the Bank's Balance Sheet and Trading Statements. |  | Entity | Customer Finance & Risk | Arrangement Financials | Interest | 1.0.00
94 | Interest Receivable | A obligation of the borrower of funds that is required by a lender in return for lending funds to the borrower. Interest accrues over the life of a loan and is  paid periodically , at the start or at  end (maturity) of the  lending arrangement . |  | Entity | Customer Finance & Risk | Arrangement Financials | Interest Receivable | 1.0.00
95 | Interest Payable | The capitalised interest amount that has been paid to a customer at an arrangement level |  | Entity | Customer Finance & Risk | Arrangement Financials | Interest Payable | 1.0.00
96 | Balance | The gross balance of an account at a given point in time. This can be either credit or debit (Normally an asset or a liability to the Bank) |  | Entity | Customer Finance & Risk | Arrangement Financials | Balance | 0.7.63
97 | Cashflow | The anticipated or historical performance of Business Profit/loss trading account |  | Entity | Customer Finance & Risk | Arrangement Financials | Cashflow | 0.7.63
98 | Settlement | Information about when payment is to be/has been made for the purchase/sale of an asset. |  | Entity | Customer Finance & Risk | Arrangement Financials | Settlement | 0.7.63
99 | Adjustment | A value transaction amount that has been processed as a correction to the initial transaction processed |  | Entity | Customer Finance & Risk | Arrangement Financials | Adjustment | 0.7.63
100 | Interest Foregone | The interest lost on a loan if the fixed interest rate is below the market interest rate. |  | Entity | Customer Finance & Risk | Arrangement Financials | Interest Foregone | 0.7.67
101 | Rebates | A full or partial refund of fees/charges. Rules for handling of rebates are laid down in a product's offer documents. |  | Entity | Customer Finance & Risk | Arrangement Financials | Rebates | 1.0.00
102 | Distributions | Income received from assets, including dividends from shares and interest from debt securities. Expenses are deducted from the income. |  | Entity | Customer Finance & Risk | Arrangement Financials | Distributions | 1.0.00
103 | Customer Profit | Income from the Customer’s association with the bank through the use of the bank’s products, less the costs incurred by the bank in providing those products. |  | Entity | Customer Finance & Risk | Customer Financials | Customer Profit | 0.8.68
104 | Financial Statement | The customer’s financial statement details. It includes profit and loss, trading statements, bank statements etc |  | Entity | Customer Finance & Risk | Customer Financials | Financial Statement | 1.0.00
105 | Customer Footing | The total value of funds (deposits and lending) of the customer. They can be split into deposit footings, lending footings, and total footings. |  | Entity | Customer Finance & Risk | Customer Financials | Customer Footing | 0.7.63
106 | Funds Under Management | FUM measures scale in marketing, or how much money a manager has been able to attract to its investment scheme (managed funds, platforms, instruments etc). It is also called fund size, and is defined as the net assets within the fund |  | Entity | Customer Finance & Risk | Customer Financials | Funds Under Management | 1.0.00
107 | Premiums In Force | The total value of initial premiums on all insurance policies in force (those policies that have not been cancelled or expired). |  | Entity | Customer Finance & Risk | Customer Financials | Premiums In Force | 1.0.00
108 | Returns | The gain or loss of an investment instrument in a particular period. The return consists of the income and the capital gains relative on an investment. |  | Entity | Customer Finance & Risk | Customer Financials | Returns | 1.0.00
109 | Credit Limit | Approved amount up to which a customer may borrow money |  | Entity | Customer Finance & Risk | [NAME] | Credit Limit | 0.8.68
110 | Lending Limit | The maximum expected balance for an arrangement of a Lending Facility. For example, an overdraft limit, or a credit card limit. |  | Entity | Customer Finance & Risk | [NAME] | Lending Limit | 0.7.63
111 | Exposure | The use of PD, LGD and EAD risk estimates. TTC PD, downturn LGD and EAD estimates are used for the calculation of Basel II, Expected Loss, Risk Weighted Assets and regulatory capital. Adjusted PD, LGD and EAD measures are used for the determination of International Financial Reporting Standards (IFRS) provisioning for non-retail assets and economic capital. |  | Entity | Customer Finance & Risk | [NAME] | Exposure | 0.7.63
112 | Loss Given Default | A measure designed to predict the percentage of the EAD the Bank will lose in the event of the customer defaulting. Loss Given Default (LGD) is calculated by using a set of estimated parameters including the possible post default outcomes i.e. cure / write off, restructure or realisation for both secured and unsecured positions. The value of recoveries realised following default, the costs incurred in achieving these recoveries and also the time taken are also factored in to calculate an economic loss to the Bank.   In order to obtain downturn LGD estimates for use in regulatory capital calculations, the different parameter estimates are stressed using internal data, external reference data, and benchmarks. In addition expert judgement is also applied due to a paucity of empirical historical data relating to downturn conditions. |  | Entity | Customer Finance & Risk | [NAME] | Loss Given Default | 0.7.63
113 | Probability of Default | A measure of the likelihood that a customer will default within a 12 month period. Probability of Default (PD) models can be characterised as lying at, or between, the two following extremes:   Point in Time (PIT) models – estimate the likelihood of default in the next 12 months taking account of the current economic conditions; and   Through the Cycle (TTC) models – estimate the likelihood of default taking account of a full economic cycle.   For regulatory capital purposes, PD estimates must reflect a full economic cycle regardless of the type of underlying PD models an organisation has developed. The National has a single common PD master-scale across all counterparties (non-retail and retail). This PD master-scale can be broadly mapped to external rating agency rating scales and has both performing (pre-default) and non-performing (post default) grades. A master-scale rating of one represents the lowest probability of default. This allows a comparison of the relative risk of borrowers across different portfolios, customer segments or geographies on a consistent basis. PD models are most commonly developed as statistical models using all available internal and external data to determine predictive factors of future default.   Retail models use factors such as application scores, behavioural scores, delinquency and limit utilisation whilst non-retail models typically include factors on financial ratios (e.g. debt servicing capacity or profitability), qualitative components (e.g. management ability, years of experience or track record), industry factors (e.g. industry risk) and historical account behaviour factors. Factors are statistically estimated on historical empirical data, using industry standard techniques, to determine the optimal factor weightings, and combined to deliver a robust and predictive model. Expert judgement is also utilised to ensure the factors have intuitive plausibility and that model outcomes are consistent with expectations and historical observations. |  | Entity | Customer Finance & Risk | [NAME] | Probability of Default | 0.7.63
114 | Exposure at Default | An estimate of the exposure to the National in the event of a counterparty default. Exposure at Default (EAD) Models (for both retail and non-retail) are built using internal data for distinct product groups, and include current limit utilisation and historically-based estimates from defaulted facilities to predict potential further drawings a customer may make on the journey to default. |  | Entity | Customer Finance & Risk | [NAME] | Exposure at Default | 0.7.63
115 | Credit Worthiness | An assessment of the ability of a counterparty to fulfil its financial obligations. |  | Entity | Customer Finance & Risk | [NAME] | Credit Worthiness | 0.7.63
116 | Credit Rating | A code assigned by a professional agency which denotes the prospect that a lender will recover resources that it invests in the rated customer or the rated financial instrument. Currently, the Bank uses a numerical score between 1 and 99 that uses the Customers calculated Probability of Default (PD) and converts it to a Rating grade. Rating grades between 1-23 are for non defaulted Customers. Rating Grades 98 and 99 are used for defaults. |  | Entity | Customer Finance & Risk | [NAME] | Credit Rating | 0.8.68
117 | Credit Score | A ranking, typically assigned by the financial institution, which denotes the prospect that an applicant for a line of credit will meet its obligations in full and on time. A credit score will take into account both the financial and behavioural characteristics of the party. The Bank uses an overall score made from combining the scores of a number of models that predict Probability of Default (PD). The Bank has both Application scoring systems and Behavioural scoring systems. |  | Entity | Customer Finance & Risk | [NAME] | Credit Score | 0.8.68
118 | Delinquency Rating | An accumulation of a party’s external credit history, usually over a 5 year period. These findings are provided by an external credit agency (e.g. [NAME]). When recording [NAME], the Bank uses Rating Grade 98 for “Basel Defaults” and loans to be assessed for likelihood of loss to Bank.   Rating Grade 99 is used for Customers where a Loss will happen (NAL - Non Accrual Rating). |  | Entity | Customer Finance & Risk | [NAME] | Delinquency Rating | 0.8.68
119 | Commission Payable | The amount charged for acting as the intermediary in a transaction. |  | Entity | Customer Finance & Risk | Intermediary Financials | Commission Payable | 1.0.00
120 | Funds Under Advice | The portion of investments directly attributed to (or sourced from) NAB or NAB-aligned advisers |  | Entity | Customer Finance & Risk | Intermediary Financials | Funds Under Advice | 1.0.00
121 | Premiums Under Advice | The portion of inbound insurance premiums directly attributed to (or sourced from) NAB or NAB-aligned advisers |  | Entity | Customer Finance & Risk | Intermediary Financials | Premiums Under Advice | 1.0.00
122 | Customer Pricing | A collection of measures to support a pricing methodology using people, processes and information (external and internal) that involves (1) identifying the price at which a service / product will be competitive in the marketplace, (2) defining the desired profit to be made on the product, and (3) computing the target cost for the product by subtracting the desired profit from the competitive market price, (4) ensuring the pricing supports the business strategic goals for the organisation |  | Entity | Customer Finance & Risk | Customer Pricing | Customer Pricing | 0.7.67
123 | Pricing Submission | An arrangement at the state which a price, rules, terms, and conditions associated with the provision of goods and services are offered or asked. |  | Entity | Customer Finance & Risk | Customer Pricing | Pricing Submission | 0.7.67
124 | Payment | A transfer of money between two parties. Typically a payment would arise from the settlement of obligations associated with an arrangement. |  | Entity | Customer Activity | Arrangement Activity | Payment | 1.0.00
125 | Enquiry | A request for information about arrangements. |  | Entity | Customer Activity | Arrangement Activity | Enquiry | 1.0.00
126 | [NAME] | A communication to a customer to notify them that predefined conditions have been met or triggered by an event |  | Entity | Customer Activity | Service Activity | [NAME] | 0.8.68
127 | Quotation | The firm offered price for an arrangement. The party receiving a quotation, may accept it, thereby initiating the arrangement. |  | Entity | Customer Activity | Arrangement Activity | Quotation | 1.0.00
128 | Application | The lodgement of a formal request to create an arrangement, including supporting data to facilitate evaluation. |  | Entity | Customer Activity | Arrangement Activity | Application | 1.0.00
129 | Initiate | To create an arrangement or to start an event (e.g. order, confirmation, application etc.) that is related to an arrangement |  | Entity | Customer Activity | Arrangement Activity | Initiate | 1.0.00
130 | Amend | To change one or more of the attributes of an arrangement. Amendments may be scheduled as part of the agreement (e.g. [NAME] resets for a floating rate loan) or it may be initiated by one of the arrangement parties. |  | Entity | Customer Activity | Arrangement Activity | Amend | 1.0.00
131 | Claim | Payment of money to a beneficiary OR application of a benefit to a policy owner when and insured event occurs. |  | Entity | Customer Activity | Arrangement Activity | Claim | 1.0.00
132 | Termination | To conclude an active agreement.  The agreement may conclude as a consequence of a normal lifecycle or it may conclude at the initiation of one of the arrangement parties through cancellation, lapsing, exercise of a right or through a buy-out. |  | Entity | Customer Activity | Arrangement Activity | Termination | 1.0.00
133 | Legal Structure | An organisational entity that is registered with appropriate authorities and has all the contractual rights and obligations of a natural person. |  | Entity | Business | Business Structure | Legal Structure | 0.8.68
134 | Organisational Hierarchy | The logical grouping or sub-division of components within an organisation for the purpose of control and monitoring the bank as a whole. eg. Retail branches, Business Units. |  | Entity | Business | Business Structure | Organisational Hierarchy | 1.0.00
135 | Division | A substantially self contained organisational entity. It groups the organisation according to business functions It may typically be a subunit of a legal entity but may incorporate multiple legal entities. |  | Entity | Business | Business Structure | Division | 0.7.63
136 | Line of Business | An organisation unit that is determined by the type of Business that is transacted e.g. Foreign Exchange, Consumer Finance, Structured Finance. |  | Entity | Business | Business Structure | Line of Business | 0.7.63
137 | Brand | Public identities of a commercial entity defined by name, logo, signature colours etc  This is what consumers and customers identify with when considering who will provide their banking or wealth solutions. |  | Entity | Business | Business Structure | Brand | 1.0.00
138 | Lines of Product | An organisational grouping, typically along product type or product hierarchy management that may or may not be managed as a separate organisational units eg cards. |  | Entity | Business | Business Structure | Lines of Product | 0.8.68
139 | Region | An organisational grouping, typically along Geographic lines that is managed as a separate operational unit. |  | Entity | Business | Business Structure | Region | 0.7.63
140 | Branch | An organisational unit that provides a defined set of services to a specified set of customer. Some branches may have defined legal reporting responsibilities to monetary Authorities. |  | Entity | Business | Business Structure | Branch | 0.7.63
141 | Desk | An organisational unit performing a specific business function. |  | Entity | Business | Business Structure | Desk | 0.7.63
142 | Call Centre | A centralised location used by the bank to provide simple customer transactions over the telephone that require operator assistance. Call centre activities include resetting a password, an account balance enquiry, or an account transfer. |  | Entity | Business | Relationship Channel | Call Centre | 0.7.63
143 | [NAME] | A customer facing representative responsible for handling customer transactions. A branch teller is physically present when handling a transaction. |  | Entity | Business | Relationship Channel | [NAME] | 0.7.63
144 | Relationship Banker | A Company Representative who is solely responsible for the bank’s relationship with a particular customer. This means that a customer is assigned one person through whom they transact all of their business. A Relationship Banker attempts to gain an understanding of the customer’s needs and offer services that fulfil those needs, rather than selling financial services one at a time. |  | Entity | Business | Relationship Channel | Relationship Banker | 0.7.63
145 | Third Party | A legal entity that has been licensed by the bank to transact business with a customer on the bank’s behalf for which they receive an income. An example of a third party is a financial advisor who sells the bank’s wealth management products and receives a commission - and, occasionally, a retainer - for doing so. |  | Entity | Business | Relationship Channel | Third Party | 0.7.63
146 | Trader | A Company Representative who is responsible for providing a specific service/product to a customer, usually around the buying and selling of securities. |  | Entity | Business | Relationship Channel | Trader | 0.7.63
147 | Salaried Advisor | Advisor works within the salaried channels employed directly by National Australia Bank. |  | Entity | Business | Relationship Channel | Salaried Advisor | 1.0.00
148 | Geographic | An address that identifies a place on the surface of the Earth. A geographic address can coincide with a postal address but it doesn't have to (e.g. [NAME]). |  | Entity | Business | Business Location | Geographic | 0.7.63
149 | Postal | An address that identifies a location where a letter or parcel can be delivered by the Post Office. A postal address can coincide with a geographic address but it doesn't have to (e.g. [NAME]). |  | Entity | Business | Business Location | Postal | 0.7.63
150 | Electronic | An Address that is a logical entry point into an electronic delivery system (e.g. email or telephone). |  | Entity | Business | Business Location | Electronic | 0.7.63
151 | Marketing and Industry Data | A set of codes provided by external parties that are used to classify customers for marketing segmentation purposes. For example, Australia & New Zealand Industry Codes (ANZSIC), and ABS data. |  | Entity | Business | External Business Data | Marketing and Industry Data | 0.7.63
152 | Economic Data | A set of indicators that show an aspect of the health of a particular segment of the economy. For example, the Consumer Price Index (CPI), or an indicator of retail sentiment. |  | Entity | Business | External Business Data | Economic Data | 0.7.63
153 | Vendor / Supplier | An organisation that provides a product or service to the bank. That is, the bank is acting as a customer to a vendor or supplier. |  | Entity | Business | Associations | Vendor / Supplier | 0.7.63
154 | Trustees | An individual or organization which holds assets for the benefit of another. The trustee is legally obliged to make all trust-related decisions with the beneficiary's interests in mind, and may be liable for damages in the event of not mismanagement. Trustees may be entitled to a payment for their services, if specified in the trust deed. |  | Entity | Business | Associations | Trustees | 1.0.00
155 | Custodians | A custodian is a specialised financial institution responsible for safeguarding assets/securities such as stocks, bonds, commodities such as precious metals and currency (cash), domestic and foreign on behalf of other organisations. |  | Entity | Business | Associations | Custodians | 1.0.00
156 | Reinsurers | An insurance company that assumes all or part of an insurance or reinsurance policy written by a primary insurance company |  | Entity | Business | Associations | Reinsurers | 1.0.00
157 | External Auditors | A professional individual who is empowered to examine and verify a company's financial and accounting records and supporting documents. Typically an Auditor is a Certified Public Accountant. |  | Entity | Business | Associations | External Auditors | 1.0.00
158 | Fund Managers | The individual(s) responsible for making decisions related to any portfolio of investments (often a mutual fund, pension fund, or insurance fund), in accordance with the stated goals of the fund |  | Entity | Business | Associations | Fund Managers | 1.0.00
159 | Referrers | Party who provides our financial advisors / bankers with referrals for business.  Financial advisers would typically work with other professionals and cross-refer clients as a means of building business. |  | Entity | Business | Associations | Referrers | 1.0.00
160 | Regulators | A government, statutory, or commercial body formed or mandated under the terms of a legislative act (statute) to ensure compliance with the provisions of the act. |  | Entity | Business | Associations | Regulators | 0.8.68
161 | Government | A body of people that sets and administers public policy, and exercises executive, political, and sovereign power through customs, institutions, and laws within a state. An important property of Government is that it controls the issue of the money within its jurisdiction and hence funds leant to Government in the domestic currency are deemed to be free of default risk. This is NOT however valid for non domestic currencies (including the EURO). |  | Entity | Business | Associations | Government | 0.7.67
162 | Authority | An Entity, typically created or empowered by Government charter. It has power that is delegated formally and includes a right to command a situation, commit resources, give orders and expect them to be obeyed. |  | Entity | Business | Associations | Authority | 0.7.67
163 | Workforce | The labour pool available to the bank to perform required the conduct its business.  Individual workforce members may be associated with the bank through  permanent or casual employment (employees), through contracts that define the availability of the contractor for defined time periods (contractors) or through contracts to perform a specified task to a defined standard (PSA). |  | Entity | Business | Human Resources | Workforce | 0.7.65
164 | Employee | A person who is hired by the Bank to perform a service, especially for wages or salary and is under the Bank's control. |  | Entity | Business | Human Resources | Employee | 0.7.63
165 | Contractor | A person who contracts to furnish supplies or perform work at a certain price or rate. Contractors are typically engaged for periods from 3months to 12 months. They may be renewed periodically. |  | Entity | Business | Human Resources | Contractor | 0.7.63
166 | PSA | A Professional Services Agreement. A PSA is with a person who is engaged by the bank to perform a specific task.  Typically they are engaged for short periods and the contract would NOT generally be renewed. |  | Entity | Business | Human Resources | PSA | 0.7.63
167 | Employment Contract | A formal agreement specifying terms and conditions under which a person consents to perform certain duties as directed and controlled by an employer in return for an agreed upon wage or salary. Every employee is under the obligation to carry assigned duties, or the employer's instructions to the best of his or her abilities. The employer is under the obligation to protect the employee from harm or injury, and make fair compensation for any loss or damage resulting from any job-related accident. |  | Entity | Business | Human Resources | Employment Contract | 0.7.65
168 | Employment Position | A post defined and established within an Organization to facilitate the allocation and assignment of the Organisation's work.  Job functions, responsibilities and authorities are defined and associated with an Employment Position and are carried out by the Individual(s) who occupy or fill the Employment Position.  An Employment Position has its own independent existence and is distinctly different from the Employee who may occupy or fill it. During its existence, an Employment Position may be assigned to different Organization Units. |  | Entity | Business | Human Resources | Employment Position | 0.7.65
169 | Workforce Hierarchy | The structure of reporting lines between the workforce within an organisational unit. |  | Entity | Business | Human Resources | Workforce Hierarchy | 0.7.65
170 | Training Courses | Educational curriculum defined to impart knowledge to a participants or to teach them specific skills  in order that they achieve a prescribed standard of proficiency. |  | Entity | Business | Human Resources | Training Courses | 0.7.65
171 | Lending Facility Product | Financial Institution puts its assets at risk for the benefit of a customer. |  | Entity | Business | Product Definition | Lending Facility Product | 0.7.63
172 | [NAME] | A product where the bank provides a specified amount of unsecured credit to a specified borrower for a specified time period. It is also known as a “line of credit”. |  | Entity | Business | Product Definition | [NAME] | 0.7.63
173 | Overdraft Product | A credit facility, provided to a set limit, to provide working capital to a customer. The level of the facility is usually limited to the value of the security offered. |  | Entity | Business | Product Definition | Overdraft Product | 0.7.63
174 | Credit Card Product | A product that allows a customer to use a card that has been issued by the Bank to repeatedly to borrow money or buy products and services on credit without any collateral to back it. The credit limit is smaller than for an asset-based lending facility with a correspondingly higher interest rate to cover defaults. |  | Entity | Business | Product Definition | Credit Card Product | 0.7.63
175 | Syndicated Lending Product | A very large loan in which a group of banks work together to provide funds for one borrower. There is usually one lead bank that takes a small percentage of the loan and syndicates the rest to other banks. The Bank may take the role of lead bank or as one of the syndicated lenders. |  | Entity | Business | Product Definition | Syndicated Lending Product | 0.7.63
176 | Leasing Facility Product | A product that allows a customer (the lessee) to enter into a written contract by which the owner (the lessor) of a specific asset (such as a parcel of land, building, equipment, or machinery) grants the lessee the right to its exclusive possession and use for a specific period and under specified conditions, in return for specified periodic rental or lease payments. |  | Entity | Business | Product Definition | Leasing Facility Product | 0.7.63
177 | Multi-Option Facility Product | A product that provides customers with the flexibility to use any combination of a specified set of lending products, provided the aggregated limits of the individual products does not exceed the Multi-Option Facility limit. |  | Entity | Business | Product Definition | Multi-Option Facility Product | 0.7.63
178 | Term Lending Product | A product that provides a loan to a customer, with a fixed maturity and often featuring amortization of principal. If the loan is in the form of a line of credit, the funds are drawn down shortly after the agreement is signed. Otherwise, the customer usually uses the funds from the loan soon after they become available. |  | Entity | Business | Product Definition | Term Lending Product | 0.7.63
179 | Home Lending Product | A bank product that provides a fixed term loan to a customer for the express purpose of purchasing a home, where the home itself is used as collateral. |  | Entity | Business | Product Definition | Home Lending Product | 0.7.63
180 | Personal Lending Product | A lending product that establishes consumer credit that is granted for personal use. |  | Entity | Business | Product Definition | Personal Lending Product | 0.7.63
181 | Margin Lending | A product that allows an individual to borrow money for the purposes of investing it. The amount of credit loaned is based upon the amount of assets held by the borrower, which are pledged as collateral on the loan. This program is often used by individuals who want to invest more than they currently are investing, and are willing to take on the risk of this type of loan. |  | Entity | Business | Product Definition | Margin Lending | 1.0.00
182 | Asset Management Product | A service involving holding assets for a Customer, often with the legal authority and duty to make decisions regarding financial matters on behalf of the Customer. |  | Entity | Business | Product Definition | Asset Management Product | 0.7.63
183 | Insurance Product | A product where  a Corporation, such as an Insurance Company, agrees to provide financial coverage if certain events adversely affect the insured item or a Customer (e.g. a Whole Life Insurance Product for Individuals, or a Property Insurance Product for a house). An Insurance Product is of interest to the Bank either because the bank offers it or because it is used to insure Loans and Assets of the Bank. |  | Entity | Business | Product Definition | Insurance Product | 0.7.63
184 | Card Insurance Product | A product that allows a customer to take out coverage of the event that a credit card is fraudulently used or altered. Fraud includes theft and the unauthorized use of a credit card. The product is usually combined with another product, such as the credit card itself, or another insurance product. |  | Entity | Business | Product Definition | Card Insurance Product | 0.7.63
185 | General Insurance Product | A product that allows a customer to take out coverage against specific contingencies, e.g. fire, theft and accident. |  | Entity | Business | Product Definition | General Insurance Product | 0.7.63
186 | Personal | A product that allows a customer to protect either their income streams or financial obligations (or a third party's) as the result of an event that prevents them from continuing to generate an income stream or meet a financial obligation. Examples of such events are crop failure for a farmer, unemployment, temporary or permanent disablement, and death. |  | Entity | Business | Product Definition | Personal | 1.0.00
187 | Group | Insurance coverage bought for and provided to a group instead of an individual. For example, an employer may buy disability, health, and term life insurance for its employees at a far better rate than the employees could obtain on their own. Credit unions, trade associations, and other groups may also offer their members preferential group insurance rates. Group insurance is not only advantageous to employees or group members because it is cheaper than they could obtain on their own, |  | Entity | Business | Product Definition | Group | 1.0.00
188 | Account Product | A service provided to a customer, in which deposits and debts are held and processed within a framework of established rules and procedures. |  | Entity | Business | Product Definition | Account Product | 0.7.63
189 | Deposit Account Product | An interest earning account where the withdrawals from which are limited to the amount of the account's credit balance. |  | Entity | Business | Product Definition | Deposit Account Product | 0.7.63
190 | Set-Off Account Product | A type of deposit account where the balance of the account is grouped with a lending account for assessment of regularity, interest and/or fee calculation. |  | Entity | Business | Product Definition | Set-Off Account Product | 0.7.63
191 | Lending Account Product | An account where the customer incurs an interest penalty for the balance outstanding. The maximum balance is set to the credit limit associated with that account. |  | Entity | Business | Product Definition | Lending Account Product | 0.7.63
192 | Internal Account Product | The collection of accounts that the Bank uses to facilitate business. |  | Entity | Business | Product Definition | Internal Account Product | 0.7.63
193 | Nostro Product | An account that the Bank has with another Financial Institution to facilitate the completion of a trade or deal. |  | Entity | Business | Product Definition | Nostro Product | 0.7.63
194 | Vostro Product | A product that allows a customer to place funds with the Bank to facilitate the completion of a trade or deal. |  | Entity | Business | Product Definition | Vostro Product | 0.7.63
195 | Suspense Account Product | An account that the Bank has created for its own use to facilitate the transacting of business with itself and other entities. |  | Entity | Business | Product Definition | Suspense Account Product | 0.7.63
196 | Contingent Liability Product | A commitment to reimburse a beneficiary party for losses incurred if the reference party defaults on an obligation or causes loss to the beneficiary or liability of the beneficiary to a Third Party for arising from the specified activities of the reference party. |  | Entity | Business | Product Definition | Contingent Liability Product | 0.7.63
197 | Guarantee Product | An agreement by the bank to accept responsibility for an obligation if the entity with primary responsibility for the obligation does not meet it. |  | Entity | Business | Product Definition | Guarantee Product | 0.7.63
198 | Standby Letter of Credit Product | A letter of credit that represents an obligation by the issuing bank on a designated third party (the Beneficiary), that is contingent on the failure of the bank's customer to perform under the terms of a contract with the beneficiary. A standby letter of credit is most often used as a Credit Enhancement with the understanding that, in most cases, it will never be drawn against or funded. It is also called a Performance Bond. |  | Entity | Business | Product Definition | Standby Letter of Credit Product | 0.7.63
199 | Trade Letter Of Credit Product | An obligation issued by a bank on behalf of a bank customer to a third party. A trade, or commercial, letter of credit is a bank promise to pay the third party for the purchase of goods by the bank’s customer. If the bank’s obligation to pay is not immediate, the transaction can later give rise to a banker’s acceptance. |  | Entity | Business | Product Definition | Trade Letter Of Credit Product | 0.7.63
200 | Service Product | Service that can be offered during the normal course of business. Includes non-financial services that are of interest to the Financial Institution. |  | Entity | Business | Product Definition | Service Product | 0.7.63
201 | Payment/Transfer Product | A service that is offered to a customer in respect of Financial Market activity, such as Trading, Settlement, Safe Custody, Portfolio Management etc. Includes the following:    Change Service    Custodial Service    Finance Service    Financial Engineering Service    Information Service    Investment Service    Support Service    Trading Service    Transfer Service    Travel Service    Settlement Service    Portfolio Management Service    Product Access Service |  | Entity | Business | Product Definition | Payment/Transfer Product | 0.7.63
202 | Advisory Service Product | A service where the bank provides investing or financial advice or counsel to a customer in exchange for a fee. An advisory service may interact directly with a client — for example, by managing assets — or may provide passive, general advice such as which securities or industries are bullish or bearish. |  | Entity | Business | Product Definition | Advisory Service Product | 0.7.63
203 | Business Service Product | A service where the bank provides investing or financial advice or counsel to a business customer in exchange for a fee. In addition to standard advisory services, a business service will include help with establishing and running a business. This will include small business and franchises. |  | Entity | Business | Product Definition | Business Service Product | 0.7.63
204 | Loyalty Program | A Loyalty program is a Product that Customers can claim benefits for their association within a Group. Typically Customers are issued with a Loyalty card or the Loyalty program is attached to a product such as a Credit Card. Points are created by spending on the specified [NAME] or by purchasing additional products from a member of the Loyalty Group. Members of the group can offer special discounts to the members of the program or can offer additional points for designated purchases. Where a businesses allocates points for a sale they pay a small premium for the points earned by program members. There is a fiscal liability amount that is attached to these points from a business perspective and as points are added or subtracted that liability alters. Once a Customer has accumulated sufficient points under the scheme they can redeem the accumulated points by purchasing nominated items from business within the group. Typically Airline tickets, Supermarket purchase vouchers, Wine clubs etc. As there is a $ value attached to a Loyalty program points, it is possible that the value/points can be transferred to other Loyalty programs. Typically where Loyalty program points are allocated (eg: Credit Card spend) a small part of the Merchant fee is allocated to the cost of the points. |  | Entity | Business | Product Definition | Loyalty Program | 1.0.00
205 | Markets Traded Product | A Financial Market Instrument which identifies a Product which is traded in the Financial Markets.  For example Bonds, Derivatives (such as Swaps and Options), Near Cash (Money Market), [NAME], Foreign Exchange.   Some Financial Market Instruments have a face value currency in which they are denominated, such as a U.S. Treasury Bond with a face value currency of U.S. Dollars or a U.S. Dollar Currency Option which species that Dollars may be put or called against another currency. Some Financial Market Instruments will have a default Cost Currency, against which they are traded, e.g. a U.S. Equity is traded in U.S. Dollars. However, the same instrument can be traded in other currencies, when traded in overseas markets. The actual cost currency is determined by the Price Quote Currency.   Settlement Currency can be different from the trade Cost Currency when a customer chooses to settle in their local currency; such a Settlement Currency is independent of the Financial Market Instrument. |  | Entity | Business | Product Definition | Markets Traded Product | 0.8.68
206 | Risk Management Product | A financial instrument whose primary purpose is to manage the risk that the value of an asset may be adversely impacted by a change in the market price of that asset. |  | Entity | Business | Product Definition | Risk Management Product | 0.7.63
207 | FX Product | A firm or optional agreement to exchange two currencies at an agreed rate  on a specified future date.  Its primary purpose is to manage the risk that the value of a currency may be adversely impacted by a change in the quoted exchange Rate for those currencies |  | Entity | Business | Product Definition | FX Product | 0.7.64
208 | Commodity Product | A firm or optional agreement to exchange a commodity for cash at an agreed price  on a specified future date.  Its primary purpose is to manage the risk that the value of a Commodity may be adversely impacted by a change in the market price of the commodity |  | Entity | Business | Product Definition | Commodity Product | 0.7.64
209 | Risk Equity | A firm or optional agreement to exchange a share or specified index portfolio  for cash at an agreed price  on a specified future date.  Its primary purpose is to manage the risk that the value of a share or specified index portfolio may be adversely impacted by a change in the market price of the commodity. |  | Entity | Business | Product Definition | Risk Equity | 0.8.68
210 | Interest Rate Risk Management Product | A financial instrument whose primary purpose is to manage the risk that the value of a Debt Instrument may be adversely impacted by a change in the market rate for that instrument including forward contracts and options. |  | Entity | Business | Product Definition | Interest Rate Risk Management Product | 0.7.63
211 | Forward Rate Agreement Product | A Cash settled Financial Instrument where an interest rate is agreed for a specified loan to be settled at a future date by exchanging the difference between the contract value at the agreed rate and the contract value at the rate on the settlement date |  | Entity | Business | Product Definition | Forward Rate Agreement Product | 0.7.64
212 | IR Swap Product | An agreement between two parties to exchange the flows derived from  value offsetting loans negotiated on different financial terms. |  | Entity | Business | Product Definition | IR Swap Product | 0.7.64
213 | Cap/Floor Product | An agreement between two parties to exchange the flows derived from  value offsetting loans negotiated on different financial terms, where the beneficiary has the right to determine whether to calculate the value using  the agreed rate  or the market rate current at the time the rate is to be fixed |  | Entity | Business | Product Definition | Cap/Floor Product | 0.7.64
214 | Credit Risk Management Product | A financial instrument whose primary purpose is to manage the risk that the counterparty to an interest [NAME] instrument will default or the market will impose an adverse premium for the party relative to sovereign risk. |  | Entity | Business | Product Definition | Credit Risk Management Product | 0.7.63
215 | Credit Default Swap Product | An agreement between two parties to exchange the flows derived from  value offsetting loans negotiated on different financial terms,  where one leg of the exchange is payable IF and ONLY IF the reference party of the loan is in default as defined in the contract. |  | Entity | Business | Product Definition | Credit Default Swap Product | 0.7.64
216 | Total Return Swap Product | A type of credit derivative in which one counterparty receives the total return (interest payments and any capital gains or losses) from a specified reference asset and the other counterparty receives a specified fixed or floating cash flow that is not related to the creditworthiness of the reference asset. |  | Entity | Business | Product Definition | Total Return Swap Product | 0.7.64
217 | Packaged Product | A product that has been constructed by combining the financial properties of other (typically simpler) financial instruments to achieve a complex financial risk profile. |  | Entity | Business | Product Definition | Packaged Product | 0.7.63
218 | Securitisation Product | The process of pooling and re-packaging illiquid financial assets with the same characteristics in terms of yield, maturity and geographical spread, into marketable securities that can be sold to investors. |  | Entity | Business | Product Definition | Securitisation Product | 0.7.64
219 | CDO Product | Collateralized debt obligations (CDOs) are a type of structured asset-backed security (ABS) whose value and payments are derived from a portfolio of fixed-income underlying assets. CDOs are assigned different risk classes, or tranches, whereby "senior" tranches are considered the safest securities. Interest and principal payments are made in order of seniority, so that junior tranches offer higher coupon payments (and interest rates) or lower prices to compensate for additional default risk. |  | Entity | Business | Product Definition | CDO Product | 0.7.64
220 | CSO Product | A collateralized debt obligation (CDO) which, instead of being backed by assets such as bonds and loans like a standard CDO, it is backed by credit derivatives. These assets could include options and forward contracts. |  | Entity | Business | Product Definition | CSO Product | 0.7.64
221 | Product Agreement | An agreement between the bank and a customer defining the terms and conditions on which a product will be provided. |  | Entity | Business | Product Definition | Product Agreement | 0.8.68
222 | Master Agreement | A set of standard form templates for terms and conditions, under which transactions of the type specified in the agreement are transacted. May consolidate two or more separate but related agreements between the same counterparties in one legal document. Also called master contract. |  | Entity | Business | Product Definition | Master Agreement | 0.7.63
223 | Investment Products | A financial product or other item of value, acquired with an expectation of favourable future returns. Allows a Customer to invest for income, appreciation or other reasons. |  | Entity | Business | Product Definition | Investment Products | 0.8.68
224 | Debt Securities | Debt instrument such as a bond, debenture, or promissory note which is issued with a promise of repayment on a certain date at a specified rate of interest. |  | Entity | Business | Product Definition | Debt Securities | 0.7.66
225 | Fixed Interest Security Product | A Debt security where the issuer undertakes to pay the owner of the security an interest stream specified by a fixed interest rate in addition to repayment of the face value on maturity. |  | Entity | Business | Product Definition | Fixed Interest Security Product | 0.7.64
226 | Floating Rate Note Product | A negotiable Debt Security where the interest rate for each interest period is determined by reference to an agreed, publicly published rate plus an optional margin. |  | Entity | Business | Product Definition | Floating Rate Note Product | 0.7.64
227 | [NAME] | A negotiable Debt Security , typically with a fixed interest rate, that matures inside of 3 to 5 years. |  | Entity | Business | Product Definition | [NAME] | 0.7.64
228 | Government Bond Product | A negotiable Debt Security, issued by a sovereign Government and denominated in the currency of the issuing Government.  Such bonds are regarded as being free of default risk because the Government may print money to repay the debt. |  | Entity | Business | Product Definition | Government Bond Product | 0.7.64
229 | Semi-Government Bond Product | A negotiable Debt Security, issued by an agency of a  Government.  Typically the Agency is effectively guaranteed by the Government which may be a Sovereign Government or the Government of a state within a Federation. |  | Entity | Business | Product Definition | Semi-Government Bond Product | 0.7.64
230 | Capital Indexed Security Product | A Debt security where the issuer undertakes to pay the owner of the security an interest stream specified by a fixed interest rate in addition to repayment of the face value adjusted to account for inflation by applying a specified inflation index to the specified  face value. |  | Entity | Business | Product Definition | Capital Indexed Security Product | 0.7.64
231 | Asset Backed Security | Security provided against lending offered by the Bank that is supported by an asset. Eg Guarantee supported by a Property. |  | Entity | Business | Product Definition | Asset Backed Security | 0.8.68
232 | Discount Security Product | A Discount security that undertakes simply to pay the owner of the security the face value on maturity. The purchaser of the security will always discount the face value of the security in order to achieve their required investment return. |  | Entity | Business | Product Definition | Discount Security Product | 0.7.63
233 | [NAME] | A written, unconditional order by one party (the drawer) to another (the drawee) to pay a certain sum, either immediately (the sight bill) or on a fixed date (the term bill), for payment of goods and/or services received. The drawee accepts the bill by signing it, thus converting it into a post-dated check and a binding contract. It is also called a draft but, while all drafts are negotiable instruments, only 'to order' bills of exchange can be negotiated. |  | Entity | Business | Product Definition | [NAME] | 0.7.63
234 | Commercial Paper Product | A promissory note (issued by financial institutions or large firms) with very-short to short maturity period (usually, 2 to 30 days, and not more than 270 days), and secured only by the reputation of the issuer. Rated, bought, sold, and traded like other negotiable instruments, commercial paper is a popular means of raising cash, and is offered generally at a discount instead of on interest bearing basis. |  | Entity | Business | Product Definition | Commercial Paper Product | 0.7.63
235 | Treasury Note Product | A medium-term (maturity one to ten years) fixed interest rate debt security issued by a national (federal) government and backed by its full faith and credit. |  | Entity | Business | Product Definition | Treasury Note Product | 0.7.63
236 | Issued Paper Rating | A code assigned by a professional agency which denotes the prospect that a lender will recover resources that it invests in the referenced financial instrument financial instrument. |  | Entity | Business | Product Definition | Issued Paper Rating | 0.8.68
237 | Hybrid Security Product | A Security that combine properties of both debt Securities and Equity. |  | Entity | Business | Product Definition | Hybrid Security Product | 0.7.63
238 | Investment Equity | A firm or optional agreement to exchange a share or specified index portfolio  for cash at an agreed price  on a specified future date.  Its primary purpose is to manage the risk that the value of a share or specified index portfolio may be adversely impacted by a change in the market price of the commodity. |  | Entity | Business | Product Definition | Investment Equity | 0.8.68
239 | Pensions | A Pension is a financial instrument (generally for retirees) which provides a regular income stream / payment to the policy holder provided certain criteria are met |  | Entity | Business | Product Definition | Pensions | 1.0.00
240 | Superannuation Product | A Product that is designed to provide for investors financially upon their retirement. In Australia Superannuation Schemes may enjoy tax concessions so they are strictly regulated by government. This includes:  * Self Managed   (normally a Wrap but often off system, can be mini wrap)  * Personal (wrap, mini wrap, defined benefits etc)  * Group (wrap, mini wrap, defined benefits etc)  * Corporate (mini wrap, defined benefits etc)  * Legacy/Heritage products (annuities, defined benefits etc) |  | Entity | Business | Product Definition | Superannuation Product | 1.0.00
241 | Product Component | A  single or bundle of tangible and intangible attributes (benefits, features, functions, uses) that a Financial Institution combines to create a product or service that it then offers to a customer to use or purchase. A Product Component can be made up of other Product Components. In the context of a Product Structure, a Product Component is synonymous with a Product. |  | Entity | Business | Product Structure Definition | Product Component | 0.7.65
242 | Product Relationship | A specification of the relationships between Products of interest to the Financial Institution. This structure is used in the following ways:   1 For identifying the component Products and Facilities in a Package Product.   2. For identifying the Facilities that are considered part of a Saleable Product and are not tracked separately.   3. For identifying the valid Facilities that can be sold as part of a Saleable Product, including whether they will require a separate Arrangement with the Customer. |  | Entity | Business | Product Structure Definition | Product Relationship | 0.7.65
243 | Standard Term or Condition | A general or special arrangement, provision, requirement, rule, specification, or standard that forms an integral part of a product definition used to create an agreement or contract between the bank and a customer. The bank will usually provide a set of Standard Terms and Conditions as part of a product definition. The customer and the bank will select terms and conditions from this set to create a particular arrangement. For example, the bank may provide a set of repayment options for a loan from which the customer will select one. |  | Entity | Business | Product Structure Definition | Standard Term or Condition | 0.7.65
244 | Holiday Calendar | A schedule of events for a particular year that shows which dates in a business week (i.e. Monday to Friday) that a particular institution or geographic region will not be transacting business. For example, Chinese New Year in Hong Kong, and Easter Tuesday for the Australian Federal Public Service. |  | Entity | Business | Calendar | Holiday Calendar | 0.7.63
245 | Financial Calendar | A 12-month period (based on the Gregorian calendar) used for calculating annual financial statements in businesses and other organisations. |  | Entity | Business | Calendar | Financial Calendar | 0.7.63
246 | Exchange | A place for buying and selling commodities, securities, etc., typically open only to members. |  | Entity | Business | Financial Markets Definition | Exchange | 0.7.63
247 | Interbank | A market for financial instruments that is available exclusively to defined members who are typically banks. The market participants agree on market terms and conditions that are negotiated by a governing committee. |  | Entity | Business | Financial Markets Definition | Interbank | 0.7.63
248 | ATM | An Automated Telling Machine (ATM) provides simple banking transaction services to customers on a 24 hr basis, without direct intervention by bank staff services include funds withdrawal, transfer and deposits and account queries. |  | Entity | Business | Service Delivery Channel | ATM | 0.7.63
249 | POS | A channel that allows the customer of a POS merchant to effect cash transfers directly from the customer's account into the account of the merchant.  Also, at the discretion of the merchant, a customer may be able to obtain cash, in addition to the payment for goods or services. |  | Entity | Business | Service Delivery Channel | POS | 0.7.63
250 | SWIFT | The Society for Worldwide Interbank Financial Telecommunication ("SWIFT") operates a worldwide financial messaging network exchanging messages between financial institutions. |  | Entity | Business | Service Delivery Channel | SWIFT | 0.7.67
251 | Internet / eBanking | A Channel that allows the customer to transact business with the Bank through the use of a computer connected to the Internet. |  | Entity | Business | Service Delivery Channel | Internet / eBanking | 0.7.63
252 | [NAME] | A Channel used to send and receive correspondence over a computer network. |  | Entity | Business | Service Delivery Channel | [NAME] | 0.7.63
253 | SMS | A Channel that is used by the Bank to send and receive short messages to/from a Customer's mobile telephone. |  | Entity | Business | Service Delivery Channel | SMS | 0.7.63
254 | Telephone | A Channel that is used by the Bank to talk to a Customer, to send documents (Fax), or to enable a customer to use the telephone's keys to transact with the Bank without resorting to talking to a person. |  | Entity | Business | Service Delivery Channel | Telephone | 0.7.63
255 | Fax | A means used to send and receive a printed document over a telephone network. |  | Entity | Business | Service Delivery Channel | Fax | 0.7.65
256 | OTC | An acronym for Over The Counter. OTC is the face-to-face communication between a customer and a representative of the Bank (e.g. a Teller, or a Relationship Banker). |  | Entity | Business | Service Delivery Channel | OTC | 0.7.63
257 | Mail | A Channel used to send and receive correspondence between postal addresses via the postal network or via a courier. |  | Entity | Business | Service Delivery Channel | Mail | 0.7.63
258 | Service Channel Hierarchy | The arrangement of Service Delivery Channels into a particular order based on a particular need. The hierarchy can be put in place to describe the backup options should a particular Service Channel fail. It may also be put in place to describe a hierarchy based on importance where one Channel is assigned a higher priority over another. |  | Entity | Business | Service Delivery Channel | Service Channel Hierarchy | 0.8.68
259 | Accounting Rule | A prescribed process which determines how specified transactions are to be allocated a General [NAME] account. |  | Entity | Business | Accounting Definition | Accounting Rule | 0.8.68
260 | Chart of Accounts | A coded list of accounts in the general ledger that can be used to properly classify, record, and report for purposes of constructing financial statements. |  | Entity | Business | Accounting Definition | Chart of Accounts | [NAME]
261 | Electronic Media | Describes all forms of electronic media including Television, Website, Radio, Cinema etc. |  | Entity | Business | Promotional Channel | Electronic Media | 1.0.00
262 | Print Media | Describes all forms of print media including magazines, newspapers |  | Entity | Business | Promotional Channel | Print Media | 1.0.00
263 | Outdoor Media | Describes all forms of outdoor media including billboards, posters, signage on buildings, hoardings etc |  | Entity | Business | Promotional Channel | Outdoor Media | 1.0.00
264 | Fraud Rules | The rules and patterns used to identify possible fraudulent activities. These can be Black List checks, to spending patterns. |  | Entity | Business | Fraud Definitions | Fraud Rules | 1.0.00
265 | Document | A physical/hard copy and/or digital version of a document including any information (metadata) held relating to the contents of the document. This includes classification of documents or categorisation of a document having similar characteristics e.g. Loan Application, Loan Contract, Hardship Application, [NAME], Will and Credit Bureau Report, document template etc |  | Entity | Business | Document Resource | Document | 1.0.00
266 | Document Rules | Defines an action to be performed on a particular document type including the fields to index and setting the retention period, definition of set and batches for inbound/outbound or processing purposes. |  | Entity | Business | Document Resource | Document Rules | 1.0.00
267 | General Ledger | An Account Artifact consisting of a set of accounts where the value of the Companies Assets, Liabilities and Proprietorship is recorded. |  | Entity | Business Finance & Risk | Financial Accounting | General Ledger | 0.8.68
268 | Balance | Financial position of balance sheet accounts at a given point in time. Forms part of the financial statements and financial performance of the organisation. |  | Entity | Business Finance & Risk | Financial Accounting | Balance | 0.8.68
269 | Asset | A possession of financial value to a customer. An asset may be used to guarantee a loan or to help in enabling the bank to provide an appropriate service to that customer. |  | Entity | Business Finance & Risk | Financial Accounting | Asset | 0.7.63
270 | Accounts Receivable | One of a series of accounting transactions dealing with the billing of customers who owe money to a person, company or organization for goods and services that have been provided to the customer. |  | Entity | Business Finance & Risk | Financial Accounting | Accounts Receivable | 0.7.63
271 | Liability | A claim against the assets, or legal obligations of a person or organization, arising out of past or current transactions or actions. Liabilities require mandatory transfer of assets, or provision of services, at specified dates or in determinable future. |  | Entity | Business Finance & Risk | Financial Accounting | Liability | 0.7.64
272 | Accounts Payable | Debts resulting from purchasing assets or receiving services on credit or on an open account. You have accounts payable when you have not yet paid for the assets or services you have received. |  | Entity | Business Finance & Risk | Financial Accounting | Accounts Payable | 0.7.64
273 | Flows | Indicates the banks revenue and expenses which is an important measure of the banks overall liquidity or ability to meet customer demands for funds. |  | Entity | Business Finance & Risk | Financial Accounting | Flows | 0.8.68
274 | Revenue | The financial benefit received by an organisation at a given period of time as a result of operating a business. |  | Entity | Business Finance & Risk | Financial Accounting | Revenue | 0.8.68
275 | Expense | The financial cost incurred by an organisation in a given period of time as a result of operating a business. |  | Entity | Business Finance & Risk | Financial Accounting | Expense | 0.8.68
276 | Capital | Measure of financial strength; funds invested in a bank, including common stock and qualifying preferred stock , mandatory convertible securities, such as capital note , plus retained earnings. |  | Entity | Business Finance & Risk | Financial Accounting | Capital | 0.8.68
277 | Reserve | Nominal Capital set aside by the bank to be drawn on at a later date to cover any anticipated future payments. |  | Entity | Business Finance & Risk | Financial Accounting | Reserve | 0.8.68
278 | Provision | An amount charged against profits for a specific liability i.e. [NAME] debts, depreciation or Taxes. This amount is often projected to occur in the future. |  | Entity | Business Finance & Risk | Financial Accounting | Provision | 0.8.68
279 | [NAME] | Net profits kept to accumulate in a business after dividends are paid. |  | Entity | Business Finance & Risk | Financial Accounting | [NAME] | 0.8.68
280 | Controls | Policies or plans in place to regulate the financial position of the bank. |  | Entity | Business Finance & Risk | Financial Accounting | Controls | 0.8.68
281 | Plan / Budget | A detailed statement of desired financial transactions and resultant account balances for a specified time period (typically a financial year). |  | Entity | Business Finance & Risk | Financial Accounting | Plan / Budget | 0.7.67
282 | Forecast | Estimate or calculation of the course of business of the bank for the future. |  | Entity | Business Finance & Risk | Financial Accounting | Forecast | 0.8.68
283 | Asset Management | A process of monitoring and adjusting the mix of Corporate Assets with a view to maximising their risk adjusted value. |  | Entity | Business Finance & Risk | Treasury | Asset Management | 0.7.63
284 | Portfolio Management | A process of monitoring and adjusting the mix of Corporate Assets with a view to minimising their adverse on risk adjusted Company profit. |  | Entity | Business Finance & Risk | Treasury | Portfolio Management | 0.7.63
285 | Capital Allocation / Funding | A process of monitoring and adjusting the mix of Debt and Shareholders funds with a view to maximising the long term, Risk adjusted return to shareholders on those funds. |  | Entity | Business Finance & Risk | Treasury | Capital Allocation / Funding | 0.7.63
286 | Return on Equity | The profitability of the Bank expressed as a ratio to the shareholders’ funds employed. |  | Entity | Business Finance & Risk | Treasury | Return on Equity | 0.7.63
287 | Liquidity Management | The process of monitoring and adjusting the Bank's holdings of liquid assets (e.g. cash, bank deposits and other financial assets) to ensure that they are sufficient to meet its obligations as they fall due, including unexpected transactions. |  | Entity | Business Finance & Risk | Treasury | Liquidity Management | 0.7.63
288 | Curves and Surfaces | A set of rates that have been generated by deriving rates that would apply in circumstances when one or more independent variables are changed and plotted on Cartesian coordinates. |  | Entity | Business Finance & Risk | Market Price Data | Curves and Surfaces | 1.0.00
289 | Rates/Prices | An exchange ratio, interest rate or other parameter that can be applied to a valuation formula in order to determine the value of a financial instrument. |  | Entity | Business Finance & Risk | Market Price Data | Rates/Prices | 1.0.00
290 | Observed Rate | A rate that can be explicitly observed in a marketplace. |  | Entity | Business Finance & Risk | Market Price Data | Observed Rate | 1.0.00
291 | Derived Rate | A rate that is determined by applying a mathematical transformation to 1 or more observed rates. |  | Entity | Business Finance & Risk | Market Price Data | Derived Rate | 1.0.00
292 | Market Risk | The risk that the price of the bank’s assets and liabilities will be adversely affected by movements in their market price. |  | Entity | Business Finance & Risk | Market Risk | Market Risk | 0.7.63
293 | Dealer Limit | A control imposed by Market Risk Operations that specifies the maximum exposure that a dealer or trade may create in the course of business.  Limits may control: - Maximum Exposure - Maximum Exposure in specific market conditions (eg overnight limits) - Maximum Loss allowable (stop loss limits) - Amendments to limits for positions as time elapses |  | Entity | Business Finance & Risk | Market Risk | Dealer Limit | 0.7.64
294 | Value at Risk | Value at Risk (VaR) is a widely used measure of the risk of loss on a specific portfolio of financial assets. For a given portfolio, probability and time horizon, VaR is defined as a threshold value such that the probability that the mark-to-market loss on the portfolio over the given time horizon exceeds this value (assuming normal markets and no trading in the portfolio) is the given probability level. |  | Entity | Business Finance & Risk | Market Risk | Value at Risk | 0.7.64
295 | Product Usage Authority | An Authority granted by Market Risk Operations to specific traders, which specifies what instruments a dealer is entitled to use, and with whom that dealer may execute the specified financial instrument. |  | Entity | Business Finance & Risk | Market Risk | Product Usage Authority | 0.7.64
296 | Market Risk Valuation | The sourcing and validation of independent revaluation rates to ensure the integrity of rate inputs used in valuation and risk measurement. This is done with the purpose of either improving capability or recommending the closure or suspension of certain products. |  | Entity | Business Finance & Risk | Market Risk | Market Risk Valuation | 0.7.63
297 | Liquidity Risk | The risk that the bank will have insufficient funds available to meet its immediate obligations. |  | Entity | Business Finance & Risk | Liquidity Risk | Liquidity Risk | 0.7.64
298 | Operations Risk | The risk that a processing error or omission will create an adverse outcome. |  | Entity | Business Finance & Risk | Operational Risk | Operations Risk | 0.7.63
299 | Event | A happening that is external to the enterprise but which is nevertheless of significant business interest. An Event will have an impact on the ability of the Bank or any of its organisational units to conduct its business. Examples of such external events include: a series of reported robberies in a Branch's service area, the notification of a scheduled electric power outage affecting branch office operation, and the occurrence of a major disaster (e.g. flood). |  | Entity | Business Finance & Risk | Operational Risk | Event | 0.8.68
300 | Compliance | The act of demonstrating and adhering to a standard or regulation as determined by the business. |  | Entity | Business Finance & Risk | Operational Risk | Compliance | 0.8.68
301 | Risk Weighted Asset | The determination of the bank's assets weighted according to credit risk. Some assets, such as debentures, are assigned a higher risk than others, such as cash. This sort of asset calculation is used in determining the capital requirement for the bank, and is regulated by a government’s financial regulatory authority, such as APRA. |  | Entity | Business Finance & Risk | Capital Adequacy | Risk Weighted Asset | 0.7.63
302 | Provisioning | The determination and inventory of sufficient financial assets of the bank to meet its legislated capital adequacy requirements. |  | Entity | Business Finance & Risk | Capital Adequacy | Provisioning | 0.7.63
303 | Transfer Payment | The recording of taxation obligations that accrue when transferring funds between countries. |  | Entity | Business Finance & Risk | Tax Liability | Transfer Payment | 1.0.00
304 | Underwriting Risk | The risk that the bank will suffer losses because the economic situations or the occurring rate of incidents is different to the forecasts made at the time when a premium rate was set. |  | Entity | Business Finance & Risk | Insurance Risk | Underwriting Risk | 1.0.00
305 | Reserving Risk | The risk that the predicted cost of claims and the associated cash flows, exceeds provisions held by the bank to cover the them. |  | Entity | Business Finance & Risk | Insurance Risk | Reserving Risk | 1.0.00
306 | Reinsurer Credit Risk | The risk that one of the Bank's reinsurance parties will fail to pay reinsurance recoveries in full and/or in a timely manner. |  | Entity | Business Finance & Risk | Insurance Risk | Reinsurer Credit Risk | 1.0.00
307 | Financial Underwriting Limit | The maximum sum assured on a type of cover for which no additional documentation to prove financial circumstances is required. The limit is in place to ensure that the benefits asked for are not excessive in relation to the applicant's personal circumstances. |  | Entity | Business Finance & Risk | Insurance Risk | Financial Underwriting Limit | 1.0.00
308 | Customer Contact | A recorded interaction between a customer and the bank. A contact may be due to a marketing campaign, a transaction at an ATM, or a telephone enquiry about a product offered by the bank. |  | Entity | Business Activity | Sales and Marketing | Customer Contact | 0.7.63
309 | Marketing Campaign | A series of co-ordinated activities involving advertising, publicity, promotion and pricing of products and services. |  | Entity | Business Activity | Sales and Marketing | Marketing Campaign | 0.8.68
310 | Sales Funnel | State of a sales opportunity in the sales process from generation of a sales lead to a sale eg creation of a new arrangement.  The initial set of leads narrow down to the set which eventually become sales as prospective sales drop out of the process. |  | Entity | Business Activity | Sales and Marketing | Sales Funnel | 0.7.65
311 | Sales Target | A specified amount of sales that the bank sets for achieving or exceeding within a specified timeframe. The bank will also allocate required resources for meeting them. Sales targets are apportioned among different sales units such as salespersons, branches, lines of product, or agents. Targets can also be set at the opportunity or activity level. |  | Entity | Business Activity | Sales and Marketing | Sales Target | 0.7.63
312 | Sales Activity | Any activity associated with the Sales Funnel Process. It is usually associated with a Sales Opportunity. |  | Entity | Business Activity | Sales and Marketing | Sales Activity | 0.7.63
313 | Short Term Funding | Debt funds raised that must be repaid or rolled over in an arbitrary short period ( typically funds raised with a maturity of less than 6 months at inception, are regarded as short term funds. |  | Entity | Business Activity | Trading Activity | Short Term Funding | 0.7.63
314 | BECO | An acronym for Business Emergency Control Organisation. It is a set of published rules for dealing with adverse events in the workplace. The include dealing with threats, and building evacuation. |  | Entity | Business Activity | Business Communication | BECO | 0.7.63
315 | Business Continuity Plan | A plan required for each Retail Outlet/Business Banking Centre to provide staff with information that will assist with the continuation of service to customers when normal banking services have been disrupted. This typically would be as a result of Power/System failures, Natural Disasters/ Weather or Security Incidents. |  | Entity | Business Activity | Business Communication | Business Continuity Plan | 0.8.68
316 | Security [NAME] | A formal notice about a customer that the Bank provides to a Government Authority when a suspected illegal activity has taken place (e.g. a suspected fraud, or an activity classified as Anti-Money Laundering). |  | Entity | Business Activity | Customer Related Communication | Security [NAME] | 0.7.63
317 | Default Notice | A formal notice to a customer, declaring that a default has occurred advising the amount of the debt and the reason for the default notice being issued. Usually the form states that legal action may be taken if the default is not remedied within a set time limit (e.g. monies owing are not repaid within 31 days). A default occurs if a customer fails to make required debt payments in a manner specified in their contract, or fails to comply with other conditions of an arrangement. Where that arrangement has been approved through a Broker they are also advised of the Default (may also effect payment of any commission) Where the loan is secured by a Guarantor they must also be informed of the default. |  | Entity | Business Activity | Customer Related Communication | Default Notice | 1.0.00
318 | Posting | Logging of transcriptions into items accounting journal. The journal entry can consist of several items, each of which is either a debit or a credit. The total of the debits must equal the total of the credits, or the journal entry is said to be "unbalanced." Journal entries can record unique items or recurring items such as depreciation or bond amortization. Journal entries are usually entered using a separate module which typically has its own subledger eg accounts payable, that indirectly affects the general ledger; journal entries directly change the account balances on the general ledger. |  | Entity | Business Activity | Ledger Activity | Posting | 0.7.65
319 | Product Modelling | Those activities relating to the identification of a potential product and its definition and establishment. |  | Entity | Business Activity | Product Development | Product Modelling | 0.7.63
320 | Anti-Money Laundering | Activity directed at identifying and inhibiting the practice of disguising illegally obtained funds so that they seem legal. And attempts to disguise the movement of funds to prescribed terrorist organisations. |  | Entity | Business Activity | Regulatory Compliance | Anti-Money Laundering | 0.7.63
321 | Auditing | A formal review of the bank’s accounts and processes to assess, and where necessary recommend correction in order to minimise the risk of error or fraud. |  | Entity | Business Activity | Regulatory Compliance | Auditing | 0.7.63
322 | Valuation | A formal assessment of the value of an asset for the purpose of pledging the asset as collateral in a loan. Typically, a valuation is performed by an independent third party to ensure a fair value for the asset. |  | Entity | Business Activity | Collateral Activity | Valuation | 0.7.63
323 | Repossession | The legal process by which a lender takes possession of assets or property pledged as collateral in case of borrower default. |  | Entity | Business Activity | Collateral Activity | Repossession | 0.7.63
324 | Write Off | The amount of funds that the Bank believes is not recoverable from a Customer’s debts and will result in a loss. |  | Entity | Business Activity | Delinquency Activity | Write Off | 0.7.66
325 | Collection | The process that determines that the Customer’s accounts are delinquent and that remedial actions are being undertaken to restore the accounts to order. |  | Entity | Business Activity | Delinquency Activity | Collection | 0.7.66
326 | Fraud Detection | Activity directed at detecting fraudulent activities both before and after a fraudulent act. Designed to prevent and reduce losses associated with fraud. |  | Entity | Business Activity | Fraud Monitoring | Fraud Detection | 1.0.00
327 | Fraud Management | Activity directed at handling detected fraudulent activities to minimise financial and reputations losses. |  | Entity | Business Activity | Fraud Monitoring | Fraud Management | 1.0.00
328 | Tax Returns | The financial returns that are required for all entities within the Group including the banks global tax returns. Financial returns are required to be produced for many prudential authorities where the Bank holds a licence. Financial returns (including taxation) can be required to be produced at different times to the Bank's reporting year. |  | Entity | Business Activity | Tax Management | Tax Returns | 1.0.00
329 | Document Events | Any activity related to the production, management of any document types eg creating, amendment, approve, move, destroy, archive, test, retrieve, index, print, reconcile etc. |  | Entity | Business Activity | Document Activity | Document Events | 1.0.00
330 | Customer Information | The identification, contact, and reference data that the bank collects about a customer. It is used to ensure that the customer receives an appropriate service or product. This data is relatively stable. |  | Subject Area | Customer | Customer Information | Customer Information | 0.7.63
331 | Intermediary | An organisation through which the bank provides services to a customer. |  | Subject Area | Customer | Intermediary | Intermediary | 0.7.63
332 | Customer Location | Describes a place where something about a Customer can be found, a destination of information or a bounded area, such as a country or state, about which the Bank wishes to keep information. |  | Subject Area | Customer | Customer Location | Customer Location | 0.7.63
333 | Application | A submission by a party (the applicant ) that requests the establishment of a association (typically contractual) between the bank and that party.  The application contains additional information that enables the bank to determine whether (or not) to establish the desired association with the applicant. |  | Subject Area | Customer | Application | Application | 1.0.00
334 | Asset | A possession of financial value to a customer. An asset may be used to guarantee a loan or to help in enabling the bank to provide an appropriate service to that customer. |  | Subject Area | Customer | Asset | Asset | 0.7.63
335 | Collateral | Data describing the security pledged by the customer to ensure payment or performance of an obligation |  | Subject Area | Customer | Collateral | Collateral | 0.8.68
336 | Product Structure Arrangement | The collection of data that represents an agreement, either potential or actual, between the bank and a customer, that provides and affirms the rules, terms, and conditions associated with the sale, exchange, or provision of goods and services. |  | Subject Area | Customer | Product Structure Arrangement | Product Structure Arrangement | 0.7.65
337 | Intermediary Arrangement | An instance of an agreement between the Bank and an Intermediary that determines the rules by which the Intermediary can use a particular product offered by the Bank and any compensation offered by the Bank for them doing so. |  | Subject Area | Customer | Intermediary Arrangement | Intermediary Arrangement | 0.7.63
338 | Customer Contract or Agreement | The formal or informal contract between the bank and a customer under which a product arrangement is executed. A contract (agreement) will be agreed to enable the execution of an arrangement before the formal contract is put in place. |  | Subject Area | Customer | Customer Contract or Agreement | Customer Contract or Agreement | 0.7.63
339 | Customer Markets Definition | A physical or logical venue where the bank and customers meet and initiate trades.  A Customer Market may have attributes that are specific to that market (e.g. hours of availability) and may impose Market Conventions that (in the absence of specific agreement to the contrary) are applied to all trades initiated within the context of that market. (e.g. The Australian retail Bank [NAME] trades on an Actual.365.ISDA day count convention). |  | Subject Area | Customer | Customer Markets Definition | Customer Markets Definition | 0.8.68
340 | Product Arrangement | The set of specific products that a particular area of the Bank actually allows arrangements for. |  | Subject Area | Customer | Product Arrangement | Product Arrangement | 0.7.65
341 | Arrangement Financials | The collection of data that details the financial consequence of an arrangement with a customer. This includes amounts transacted on an account or product. |  | Subject Area | Customer Finance & Risk | Arrangement Financials | Arrangement Financials | 0.7.63
342 | Customer Financials | The collection of financial data relating to the Customer’s overall financial position in relation to the Bank. |  | Subject Area | Customer Finance & Risk | Customer Financials | Customer Financials | 0.7.63
343 | [NAME] | The collection of measures utilised by the Bank for details of exposures, risk parameters, for the assessment of credit risk. These include Customer Rating System, Loss Given Default / Exposure At Default Calculators, Credient, Credit Risk Engine, WinFast Accelerate!Decisions (FAST A!D) and various limit reporting systems (i.e. ERS).   The Group categorises and manages credit risk across two key portfolios being i) retail (personal) and ii) non-retail (business). Group Credit Portfolio&Models is responsible for the Internal Ratings Based (IRB) models used across these portfolios for provisioning, economic and regulatory capital. In addition to monthly performance reporting, both retail and non-retail credit models are reviewed at least annually, in accordance with the Group’s Model Risk Policy. Regular independent reviews are also conducted. |  | Subject Area | Customer Finance & Risk | [NAME] | [NAME] | 0.7.63
344 | Intermediary Financials | The collection of data that details the financial consequence of an arrangement with an intermediary. This includes amounts transacted on an account as the result of activities performed on behalf of the Bank (e.g. Commission). |  | Subject Area | Customer Finance & Risk | Intermediary Financials | Intermediary Financials | 0.7.63
345 | Customer Pricing | A collection of measures to support a pricing methodology using people, processes and information (external and internal) that involves (1) identifying the price at which a service / product will be competitive in the marketplace, (2) defining the desired profit to be made on the product, and (3) computing the target cost for the product by subtracting the desired profit from the competitive market price, (4) ensuring the pricing supports the business strategic goals for the organisation |  | Subject Area | Customer Finance & Risk | Customer Pricing | Customer Pricing | 0.7.67
346 | Arrangement Activity | Activities associated with  the creation, amendment or termination of an arrangement |  | Subject Area | Customer Activity | Arrangement Activity | Arrangement Activity | 1.0.00
347 | Service Activity | The collection of data relating to any activity by a customer on a service arrangement provided by the Bank. |  | Subject Area | Customer Activity | Service Activity | Service Activity | 0.7.65
348 | Business Structure | The identified ownership, control or reporting network within the organisation. A structure may be matrix, hierarchical, or dotted-line. |  | Subject Area | Business | Business Structure | Business Structure | 0.7.63
349 | Relationship Channel | The means by which the bank solicits business and interacts with a customer. |  | Subject Area | Business | Relationship Channel | Relationship Channel | 0.7.63
350 | Business Location | Describes a place where something belonging to the Bank can be found, a destination of information, or a bounded area, such as a country or state. |  | Subject Area | Business | Business Location | Business Location | 0.7.63
351 | External Business Data | The collection of data provided by an external organisation to enable the bank to provide a product or service E.g. ISDA agreement templates, Standard & Poor's Short term paper ratings, and Hong Kong gazetted public holidays. |  | Subject Area | Business | External Business Data | External Business Data | 0.7.63
352 | Associations | An organised body that have a business to business relationship with NAB. They can be either a "For Profit " or "Not for Profit" organisation. |  | Subject Area | Business | Associations | Associations | 0.8.68
353 | Human Resources | The set of policies and practices used to maximize the return on investment from the organisation's human capital and minimize financial risk. It is the responsibility of a human resource manager, in a corporate context, to conduct these activities in an effective, legal, fair, and consistent manner. This includes the development of human resources to foster human resourcefulness through enlightened and cohesive policies in education, training, health and employment at all levels, from corporate to national. |  | Subject Area | Business | Human Resources | Human Resources | 0.7.63
354 | Product  Definition | A description of the properties of a particular product or service and its terms and conditions, as well as the allowable variations to that product or service that the bank and the customer can agree to. |  | Subject Area | Business | Product Definition | Product  Definition | 0.7.63
355 | Product Structure Definition | The collection of the individual parts that can make up a product and the relationships between that go to make a complete product. A product can consist of other products. |  | Subject Area | Business | Product Structure Definition | Product Structure Definition | 0.7.65
356 | Calendar | A system of reckoning time in which the beginning, length, and divisions of a year are defined. It may also include a schedule of events. Typically, the Bank makes use of the Gregorian calendar but may make use of other calendars (e.g. Jewish, Chinese) if circumstances warrant. |  | Subject Area | Business | Calendar | Calendar | 0.8.68
357 | Financial Markets Definition | A set of attributes that describe the operational characteristics and conventions of identifiable market places. |  | Subject Area | Business | Financial Markets Definition | Financial Markets Definition | 0.7.63
358 | Service Delivery Channel | The method by which the bank provides a service or product to a customer. The method is usually related to a technology, such as an ATM, but can also be manual such as person-to-person. |  | Subject Area | Business | Service Delivery Channel | Service Delivery Channel | 0.7.63
359 | Accounting Definition | A complex of methods or rules governing the activity of recording business transactions. |  | Subject Area | Business | Accounting Definition | Accounting Definition | 0.8.68
360 | Promotional Channel | Information and attributes of all promotional channels used by the nab Group to communicate to customers and consumers |  | Subject Area | Business | Promotional Channel | Promotional Channel | 1.0.00
361 | Fraud Definition | Identification of what constitutes fraud and fraudulent activities. |  | Subject Area | Business | Fraud Definitions | Fraud Definition | 1.0.00
362 | Document Resource | The collection of data held relating to the digital and physical/hard copy representation of a document used to support the business in the delivery of it's products and services and as evidence or proof of the obligations and rights of the bank or other related parties such as customers, suppliers and employees. |  | Subject Area | Business | Document Resource | Document Resource | 1.0.00
363 | Financial Accounting | The set of bookkeeping rules, data describing transactions, as well as current and projected financial positions used to monitor its ongoing financial  performance. |  | Subject Area | Business Finance & Risk | Financial Accounting | Financial Accounting | 0.7.63
364 | Treasury | The primary custodian of the bank's financial structure. It plays an important role in ensuring the safety and security of economic assets, including the management of the bank’s capital structure. |  | Subject Area | Business Finance & Risk | Treasury | Treasury | 0.7.63
365 | Market Price Data | The data used to calculate the value of an asset at a particular time, including quoted prices for financial transactions that are observed externally or derived internally from other data (e.g. Reuters or a house valuation by an external valuer). |  | Subject Area | Business Finance & Risk | Market Price Data | Market Price Data | 1.0.00
366 | Market Risk | The risk that the price of the bank’s assets and liabilities will be adversely affected by movements in their market price. |  | Subject Area | Business Finance & Risk | Market Risk | Market Risk | 0.7.63
367 | Liquidity Risk | The risk that the bank will have insufficient funds available to meet its immediate obligations. |  | Subject Area | Business Finance & Risk | Liquidity Risk | Liquidity Risk | 0.7.63
368 | Operational Risk | The risk that the failure or absence of appropriate procedures and processes will lead to an adverse financial, or reputational outcome. |  | Subject Area | Business Finance & Risk | Operational Risk | Operational Risk | 0.7.63
369 | Capital Adequacy | A form of financial reporting, based on Basel II, to ensure, as far as practicable, that there are sufficient assets in the bank to provide adequate capital for the conduct of the business of the bank and in the interests of its customers. |  | Subject Area | Business Finance & Risk | Capital Adequacy | Capital Adequacy | 0.7.63
370 | Tax Liability | The processes required to manage the bank's global tax Liabilities. |  | Subject Area | Business Finance & Risk | Tax Liability | Tax Liability | 1.0.00
371 | Insurance Risk | The potential for losses when life insurance claims exceed those anticipated in the premiums collected from customers. Insurance risk may arise due to inadequate or inappropriate underwriting, claims management, product design or pricing processes, and has the potential to expose an insurer to financial loss and the consequent inability to meet its liabilities. |  | Subject Area | Business Finance & Risk | Insurance Risk | Insurance Risk | 1.0.00
372 | Sales and Marketing | The collection of data related to the activity of the bank in attracting new business and servicing existing clients. |  | Subject Area | Business Activity | Sales and Marketing | Sales and Marketing | 0.7.63
373 | Trading Activity | Actions directed at maintaining adequate market presence to support the client business generated by the bank. |  | Subject Area | Business Activity | Trading Activity | Trading Activity | 0.7.63
374 | Business Communication | Any communication that the bank makes about itself. It is normally generated as a result of abnormal activity brought on by an adverse event. |  | Subject Area | Business Activity | Business Communication | Business Communication | 0.7.63
375 | Customer Related Communication | Any communication that the bank makes about a customer, although it may not necessarily be to the customer. It is usually generated as a result of abnormal activity by the customer. |  | Subject Area | Business Activity | Customer Related Communication | Customer Related Communication | 0.7.63
376 | Ledger Activity | The activities required to assure financial records are accurate and up to date. This includes posting of accounting related debits and credits to update a balance as well as other administration tasks. i.e. opening and closing of accounts. |  | Subject Area | Business Activity | Ledger Activity | Ledger Activity | 0.8.68
377 | Product Development | The process of developing new products. For financial markets, product development typically involves the aggregation of existing financial instruments to create innovative payoffs or risk profiles. |  | Subject Area | Business Activity | Product Development | Product Development | 0.7.63
378 | Call Centre Activity | Those activities relating to the management and operation of a Call Centre. |  | Subject Area | Business Activity | Call Centre Activity | Call Centre Activity | 0.7.63
379 | Vendor Management | Those activities relating to monitoring and managing the interaction with the bank’s vendors and suppliers. This includes tender and contract management as well as monitoring the performance of the provision of a product or service by a vendor. |  | Subject Area | Business Activity | Vendor Management | Vendor Management | 0.7.63
380 | Regulatory Compliance | The activity associated with monitoring and reporting the bank’s status with respect to regulations imposed by Government or its designated authorities. |  | Subject Area | Business Activity | Regulatory Compliance | Regulatory Compliance | 0.7.63
381 | Collateral Activity | A set of activities that the bank performs in the management of collateral used to secure a loan. Activities will range from valuation and registration through to discharge or repossession. |  | Subject Area | Business Activity | Collateral Activity | Collateral Activity | 0.7.63
382 | Workforce Activity | Activities relating to the management of the workforce. |  | Subject Area | Business Activity | Workforce Activity | Workforce Activity | 0.7.65
383 | Time Records | Recording of the duration or the start and end of a task . This information may be used for such things as payroll, billing,  project costing, estimation, tracking and management. |  | Subject Area | Business Activity | Workforce Activity | Time Records | 0.7.65
384 | Performance Ratings | A score indicating the performance of an employee relative to peers and to a defined standard. |  | Subject Area | Business Activity | Workforce Activity | Performance Ratings | 0.7.65
385 | Training | The acquisition of knowledge, skills, and competencies as a result of the teaching of vocational or practical skills and knowledge that relate to specific useful competencies. |  | Subject Area | Business Activity | Workforce Activity | Training | 0.7.65
386 | Delinquency Activity | The collection of financial data pertaining to the recovery of funds once a Customer has defaulted on an arrangement. |  | Subject Area | Business Activity | Delinquency Activity | Delinquency Activity | 0.7.66
387 | Fraud Monitoring | Activities performed to identify and manage fraudulent activities with the aim of prevention and minimisation of impact from fraud. |  | Subject Area | Business Activity | Fraud Monitoring | Fraud Monitoring | 1.0.00
388 | Tax Management | The processes required to manage the bank's global tax Liabilities. |  | Subject Area | Business Activity | Tax Management | Tax Management | 1.0.00
389 | Document Activity | Collection of data related to any activities that the bank performs in the management of inbound and outbound documents and the related metadata. |  | Subject Area | Business Activity | Document Activity | Document Activity | 1.0.00