Stress Test Data Framework Dictionary 2021: Version 02

Otherincomeproducttype

Enumeration Definition
Buy to let Not owner-occupier. Includes consent-to-let. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'of which: secured by real estate property, non-SME' of which buy to let. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail buy to let. ii) a subset of exposures in default, in particular those relating to buy to let mortgages.
Credit card Includes credit granted either via delayed debit cards or via credit cards (as per Regulation (EU) No 1071/2013 of the ECB).
Current accounts FINREP F8.1 row 320 excluding overnight deposits.
Deposits redeemable at notice
Deposits with agreed maturity
Mainstream Refers to exposures to mainstream mortgages, these are other owner-occupier mortgages other than those within self certified and sub prime. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'Of which: secured by real estate property, non-SME' of which mainstream. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail mainstream. ii) a subset of exposures in default, in particular those relating to mainstream mortgages.
Other Anything which falls outside the other enumerations within this enumeration set.
Overdraft
Overnight deposits
Personal or term loan Retail loan having a specified repayment schedule. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'other retail, non-SME' and 'other retail, SME' of which personal or term loan. All Retail SME exposures secured by real estate property that have a term on the loan. b) On standardised: i) subset of retail of which personal or term loan. ii) a subset of exposures in default, in particular those relating to personal or term loan. iii) All Retail SME exposures secured by mortgages on immovable property that have a term on the loan.
Self certified The borrower certifies their own income and no independent verification is sought. Defined as a subset of the COREP exposures classes: a) On IRB: subset of 'of which: secured by real estate property, non-SME' of which self certified. b) On standardised: i) subset of 'secured by mortgages on immovable property' of which retail self certified. ii) a subset of exposures in default, in particular those relating to self certified mortgages.
Sub prime If the borrower is reported as having an 'impaired credit history' as defined by MLAR.