CTOS Client Training Program

How to read CTOS Report
and TreX Report?
1
Types of information available in CTOS Report
Individual
CTOS Report is divided into 4 parts:
• Section A (Snapshot : Summary of subject’s profile,
Credit Info at A Glance, FICO Score, CTOS Litigation
Index, STATS)
• Section B (Subject’s profile)
• Section C (CCRIS): C1, C2 and C3
• Section D (Litigation Records): D1,D2 & D3
Company/Business
(will be shown in the
following slides)
2
Section A
4
1
Section A:
1.
2.
3.
4.
5.
FICO Score
CTOS Litigation Index
STATS
ID Verification
Credit Info at A Glance
5
2
3
3
Section A
1
740
FICO Score : A score range of 350-800
The higher the score, the lower the risk. But no score says whether a specific individual will be a
“good” or “bad” customer
• Key factors to improve score will also be reflected.
• Probability of default (PD) is a financial term describing the likelihood of a default over a particular
time horizon
2
8712
CTOS Litigation Index
CTOS Litigation Index: Weightage based indexing system derived from information in Section D
(Legal Case). It is a 4 digit number reflecting the most severed case in Section D.
(Refer to next slide)
4
What is CTOS Litigation Index
The CTOS Litigation Index is based on four digit numbers known as ‘index’ where the index for each enquiry name
is derived based on the information from Section D. The Due Diligence Index will be based on the worst case
scenario in Section D.
The index shows the severity level of the case.
Due Diligence Index is broken into 3 sections from the 4-digit numbers.
DD Index
9
5
First two digits
3
4
Third
digit
Forth digit
Digit
Description
Notes
First two digits
The first two digits represent the worst case in Section D
– based on the type of record.
Possible values start from OO to 99 where the higher the
number, the greater the severity of the case.
Third digit
The third digit represents the age of the worst case in
Section D.
Possible values start from 0 to 9 where the higher the
number, the more recent the record.
Forth digit
The forth digit represents how many records are there in
Section D including the worst case used to formulate the
first three digits.
Possible values start from 0 to 9 where the higher the
number, the more cases in Section D.
----
The worst case scenario of the legal record is withheld.
0000
When there is no legal record.
5
CTOS Litigation Index
Reflected in Section A
CTOS Litigation Index
• Please refer to the Due Diligence Index Table (Slide 31, 32,
33 and 34)
• In this example:
 87 – Summon Issued
 1 – Issued more than 8 years
 2- This company has total of 2 legal records
6
CTOS Litigation Index Table - Individual (First 2 Digits) - representing the worst
case scenario - legal case
Digit
Record Type
Record Type
47
Bankruptcy Notice struck off
Action Withdrawn
Settled
45
Proclamation of Sale struck off
Action withdrawn
Settled
Proclamation of Sale under Deed of Assignment
43
Proclamation of Sale under the National Land Code
Foreclosure Proceedings-Originating Summons
issued
Civil Suit Struck off
Action withdrawn
Settled
41
Civil Suit under Repayment Scheme
39
Civil Suit- Account Regularized
37
Tribunal struck off
Action withdrawn
Settled
25
Director with a company winding up order issued
24
Director with company winding up petition issued
23
Director with company voluntary winding up
21
Director with company strike off under section 308
99
Subject Deceased
98
Mismatch of name versus legal ID
95
Bankruptcy receiving or Adjudication Order Received
93
Bankruptcy Creditors Petition issued
91
Bankruptcy Notice Issued
89
88
87
Digit
Civil Suit
Summon
85
Tribunal
83
Special Listing-AMLA
82
Internal List
49
Bankruptcy Discharge/Annulment
48
Bankruptcy Creditors Petition struck off
Action Withdrawn
Settled
7
CTOS Litigation Index- Company (First 2 Digits) - representing the worst case
scenario - legal case
Digit
Record Type
Digit
Record Type
98
Significant mismatch of company name versus
registration number
49
Wound up order struck off
Stayed
97
Company struck off
Business deregistered
48
Petition stayed struck off
Action withdrawn
Settled
96
Voluntary Winding up
47
95
Wound up order issued
93
Petition for winding up issued
Proclamation of sale struck off
Action Withdrawn
Settled
89
Proclamation of sale under Deed of Assignment
45
88
Proclamation of Sale under the National Land Code
Foreclosure Proceedings-Originating Summons
issued
Civil suit struck off
Action Withdrawn
Settled
43
Civil suit under repayment scheme
41
Civil suit-Account regularized
39
Tribunal struck off
Action withdrawn
Settled
87
Civil Suit
Summon
86
Originating summon
85
Tribunal
37
Company under special administration
83
Special Listing-AMLA, Internal List
35
Company Restructure/equity reduction
8
Third Digit:
Tells you the age of the worst case scenario
Fourth Digit:
Tells you the total legal cases
Digit
Digit
Description
Description
9
0 - 12 months
9
9 records or > 9 records
8
13 - 24 months
8
8 records
7
25 - 36 months
7
7 records
6
37 - 48 months
6
6 records
5
49 - 60 months
5
5 records
4
61 - 72 months
4
4 records
3
73 - 84 months
3
3 records
2
85 - 96 months
2
2 records
1
> 96 months
1
1 record
9
Section A
STATS:
3
Displays information selected by users and the
availability of information in each section.
Section A: ID Verification
Section B: Company Profile (For Individual:
Directorship & Business Interest, Address
Records)
Section C: CCRIS
Section D: Legal Records
TR: Trade References (TREX/eTR)
10
Section A
4
ID Verification
Company Name / Reg. No.
COMPANY SDN BHD / 123456 (your input)
Company Name
COMPANY SDN BHD (Name Match)
Company Registration No.
1234560M (ID Match)
Registration Date
04/04/2002
Registered Address
NO. 32A, JALAN OPERA U2/L,
TAMAN TTDI JAYA, SECTION U2,
SHAH ALAM, SELANGOR
Business Sector
GENERAL MERCHANDISE
Company Type
PRIVATE LIMITED
ID Verification
• Summary details of
the subject
• Summary details of
the company’s
financials and
shareholders’
information
Financials and shareholders
Last Updated
04/11/2011
Previous Name Change
ABC SDN BHD (12/02/2015)
Revenue
30,100,390.00
Profit After Tax (RM)
542,935.00
Net Assets (RM)
1,245,015.00
Paid-up Capital (RM)
550,000.00
Total Company Charges (RM)
4,200,000.00
Directorship
 Director 1 (IC)
 Director 2 (IC)
 Director 3 (IC)
 Director 4 (IC)
Top 5 shareholders
 Shareholder 1 (value)
 Shareholder 2 (value)
 Shareholder 3 (value)
 Shareholder 4 (value)
 Shareholder 5 (value)
11
Section A
5
Credit Info At A Glance
Source
Entity
Related Parties
Winding up / Bankruptcy status
MDI
Clean
Clean
Active legal records in past 24 months
• Number
• Value
NEWSPAPERS
2
RM 200,000.00
0
0
Trade references in past 24 months
• Negative
• Positive
SUBSCRIBER
0
0
0
0
Dishonoured cheques in past 24 months
DCHEQS
YES
YES
Outstanding credit facilities
• Number
• Value
• Installments in arrears in past 24 months
CCRIS
3
RM 274,599.00
YES
-
Special attention accounts
CCRIS
NO
NO
Credit applications in past 12 months
 Total
 Approved
 Pending
CCRIS
4
0
3
-
Credit Info at a Glance:
This section displays the highlights
on the following information:
Litigation, Trade References, CCRIS,
DCHEQUES
Indicator:
No records
With Records
12
Section B- Company’s profile
Section B: Company’s profile
1
This section will show the details of the company:
Company’s business sector, address, share capital, board
of directors and shareholders.
You will find the financial information of the company in
this section too.
Financial information includes:
2
• Balance sheet
• Income Statement
• Liquidity ratios
3
Information on the company’s subsidiaries will also be
shown
13
Section B- Company’s profile
1
Company Name
COMPANY SDN BHD (XXXXXXM)
Registration Date
04/04/2002
Registered Address
NO. 32A, JALAN OPERA U2/L,
TAMAN TTDI JAYA, SECTION U2,
SHAH ALAM, SELANGOR
Business Sector
GENERAL MERCHANDISE
Auditor
CHEN & CO
Financial Year End
(DD/MM)
31/12
Company Type
PRIVATE LIMITED
Address Records
Company details:
•
•
•
•
•
•
•
Date
Source
219 JLN GIGIH 9, BANDAR T6, 47100 SHAH ALAM
15/01/2015
SSM
89 TAMAN FAJAR BAKRI BATU 4, 47200 SHAH ALAM,
SELANGOR
07/10/2014
CCRIS
NO.198, JALAN SATU, TAMAN KERAMAT, SELANGOR
10/11/2014
SSM
NO.23, JALAN RUSA 4, TAMAN BUKIT, SELANGOR
05/07/2012
SSM
Registration date
Registration address
Business Sector
Auditor
Financial Year End
Company Type
Address Records
14
Section B- Company’s profile
2
Share Capital
Authorised Capital
2,000,000.00
Paid-up
Capital
1,000,000.00
Type
Number of
shares
Nominal
value
Other than
Cash
Paid up capital
Ordinary
1,000,000.00
1.00
0
1,000,000.00
Preference
0
0
0
0
Others
0
0
0
0
Share Capital:
• Paid up capital
• Authorised capital
• Number of shares
• Nominal Value
• Type of shareholders
15
Section B- Company’s profile
3
DIRECTORS
Name
Residential
Address
IC no.
Designation
Date of
Appointment
Date of
Resignation
DIRECTOR 1
219 JLN GIGIH 9,
BANDAR T6,
47100 SHAH
ALAM
79031201223
4
Director
04/04/2002
-
DIRECTOR 2
89 TAMAN FAJAR,
BAKRI BATU 4,
47200 SHAH
ALAM,
SELANGOR
77031001551
4
Director
16/06/2006
-
SECRETARY
NO.198, JALAN
SATU,
TAMAN KERAMAT,
SELANGOR
64030101223
1
Secretary
26/12/2003
-
List of directors and
shareholders of the
company
SHAREHOLDERS
Name
IC no. / BR No.
Shareholding (shares)
Shareholding (%)
SHAREHOLDER 1
790312012234
50,000
10%
SHAREHOLDER 2
770509355519
450,000
90%
16
Section B- Company’s profile
Other financial Information also available in Section B
Snapshot of financial
information in Section B.
These information is obtained
via CCM /SSM- Suruhanjaya
Syarikat Malaysia
17
Section C- CCRIS Information
Section C is divided into 3 subsection: C1, C2 and C3
Subject Status
C1: Banking Payment History
Banking Payment History includes:
• CCRIS Summary
• CCRIS Details
• CCRIS Derivatives
The image in this slide shows CCRIS Summary
Pending Verification
CCRIS SUMMARY
Credit Applications
No of
Applications
Amount
Applied
Applied in past 12
months
4
1,850,000.00
Approved in past 12
months
-
-
Rejected in past 12
months
1
500,000.00
Pending
3
1,350,000.00
Summary of Potential &
Current Liabilities
Outstanding
Total Limit
FEC Limit
As Borrower
272,059.00
2,270,000.00
0.00
As Guarantor
-
0.00
0.00
272,059.00
2,270,000.00
0.00
Total
Legal Action Taken
Y
Special Attention
Account
Y
18
CCRIS Details (C1-Banking Payment History)
CCRIS Details
Loan Information
No Date
Sts Capacity Lender
Type
Facility
Total
Date
Outstanding Balance
Balance (RM) Updated
Type of facility Outstanding
Limit (RM)
Prin.
Repmt.
Term
Total applied
Outstanding Credit
1
02/11/2011
Own
CB
38,000.00
O
2
10/11/2014
PCPASCAR
Own
34,488.00
28/02/2015
CB
MTH
10,000.00
O
Special Attention Account
1 10/11/2014
CRDTCARD
5,000.00
28/02/2015
Total
Outstanding
Balance:
39,488.00
Total
Limit:
CRDTCARD
Credit Application
1 02/01/2015 P
Own
Own
2
11/03/2015 A
Own
CB
3
02/02/2015 A
Joint
OTH
Date
Status
Updated
Col
Conduct Of Account For Last 12 Months LGL
Type
STS
2015
Payment behaviour
2014
M F J D N O S A J J M A
12
70
0 0 0 0 1 0 0 0 0 0 1
10/05/2014
00
MTH
0 0 0 0 0 0 0 0 0 0 1
43,000.00
Special Attention Account- For Account that has bad
payment history/ writ off accounts
10
09/01/2015
25,000.00
Credit applications – loan
yet to be imbursed
15,000.00
33,000.00
19
Section C1: CCRIS Derivatives
CCRIS DERIVATIVES
Earliest known facility Date of application
Secured facilities
Unsecured facilities
09/06/2011
Facility type
HRPCSGD – Hire purchase for scheduled goods
# of facilities
2
Total outstanding balance (RM)
272,059.00 (12.4 %)
Average number of installments in arrears
4.4
# of facilities
1
Total outstanding balance (RM)
2,500.00 (3.1 %)
Average number of installments in arrears
0
CCRIS Derivatives:
• Earliest Known Facility: The first application with the bank
• Secured facility: Facility with collateral pledged, The number of application, the
outstanding balance
• Unsecured facility: Facility without collateral pledged, the number of application, the
outstanding balance
20
Section C2 and C3: (Dishonoured Cheques and Subject’s Comments)
C2: Dishonoured Cheques
Dishonoured Cheque Information (Own Bank)
Account No
Issuance Date
Cheque No
Amount
Remarks
70122182
10/05/2015
223455
5000.00
Account Closed
Dishonoured Cheque Information (Commercial Bank)
Bank
Account No
Issuance Date
Remark
1
1411238939242
05/05/2015
Account Closed
Bounced cheques issued by the subject and recorded by Bank Negara Malaysia.
3 types of remarks:
• Account Closed
• Effects not Cleared
• Insufficient Fund
C3: CCRIS Subject Comment
A platform for subject to comment about the CCRIS information
21
Section D: Legal Records
Section D: This section is divided into 2 subsections (D1
and D2)
D1: Subject as a defendant
D2: Subject as a plaintiff
Section D1 (Summary and details of legal records)
Image below shows the summary of legal records
No
Case Type
Amount
Plaintiff
Status as of last
update
1
SUMMONS - PARTY NAMED IN SUIT
104,934
AFFIN BANK
Settled
2
SUMMONS - DIRECTED TO
39,481
AMBANK – RETAIL COLLECTIONS
CENTRE, KL
Pending
22
Section D: Legal Cases
1. SUMMONS - PARTY NAMED IN SUIT
1
RESPONDENT
COMPANY SDN BHD
LOCAL NO
98888720 (LC MATCH)
ADDRESS
EMR 5217,LOT 3530, 11 . MILES, JLN KAPAR, BEG BERKUNCI,
213 KAPAR, SEL
OBJECT
-
INCORPORATION DATE
-
AUTHORISED CAPITAL
-
PETITIONER
AFFIN BANK
CASE NO
52-52467-2009 HIGH COURT JOHOR BAHRU
PETITION DATE
23-02-2010 STRAITS TIMES 03-03-2010
ORDER DATE
31-03-2010 MALAY MAIL 21-02-2011
HEARING DATE
23-10-2011
AMOUNT
104,934
SOLICITOR
KENGTEEN & CO
SUITES 3 & 4, 15TH FLOOR,
KOMPLEKS PERDANA
How to read legal records:
Main information that you have to look for:
1
2
3
3
4
2
Tel
07-24235266/
22442368
4
Record Type and Stage
Petitioner (Party who sued the
subject)
Amount
Lawyer details
REF
LIQUIDATOR
THE OFFICIAL RECEIVER
PEGAWAI PEMEGANG HARTA MALAYSIA
7 & 8, BANGUNAN PERTAMA COMPLEX,
JALAN TUANKU ABDUL RAHMAN, 50100 KUALA LUMPUR
SUBJECT COMMENT
I have made a police report on this fraud case, as my IC was use
to obtain this facility.
23
Section D: Legal Cases
D2: Legal Cases (Subject as plaintiff)
SUMMONS –PARTY NAMED IN SUIT
1
DEFENDANT
ABSOLUTE DISASTER SDN BHD
2
ADDRESS
EMR 5217, LOT 3530, 11 . MILES, JLN KAPAR, BEG
BERKUNCI, 213 KAPAR, SEL
OBJECT
0273303 (LC MATCH)
INCORPORATED DATE
LAST ANNUAL RETURN DATE
AUTHORISED CAPITAL
PAID-UP
CAPITAL
CASE NO
WU2-02-2014
PETITION DATE
10-05-2014
HEARING DATE
10-07-2014
1
Record Type and Stage
2
Defendant
3
Court Dates
3
4
Lawyer details
GAZETTE CCM SEARCH DATE
AMOUNT
SOLICITOR
KENGTEEN & CO
SUITES 3 & 4, 15TH FLOOR,
KOMPLEKS PERDANA
Tel
07-24325266
Ref
123456
4
24
Section D: Legal Cases
D3: AMLA (Anti Money Laundering Act)
Anti Money Laundering Act your enquiry has been screened against database complied from the following sources which
are used frequently for AMLA (Anti Money Laundering Act) screening (a) UN Security Council resolution 1267 list (b)
United States Dept. of the Treasure Specially Designated Nationals.
Please note that a “Name Match” does not mean the subject enquiry id in fact the entity referred to in the AMLA list.
Please conduct your own further probe with the relevant authorities for confirmation.
Example of an AMLA record:
1. United States Dept of Treasury Specially Designated Nationals
Name
ID
: Wendall Koon Koon
: 6510781
25
Historical Enquiry
Credit
Evaluation
Others
2013
2014
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul
FI
0 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Non-FI 0 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Aug Sep Oct Nov Dec
0
0
0
0
0
0
0
0
0
0
Lawyer 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Total
0
FI
0
Non-FI 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Lawyer 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Total
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
This section displays the total number of enquiries made on the subject in the past 24 months. Divided into 3
categories:
Financial Institution
Non Finance Institution
Lawyer
26
How to read TreX/eTR Report
1
2
1
Subject of Reference
2
Aging information
3
Returned Cheque Experience
4
5
Reminders/ Letter of Demand for payment
Referee’s request: Details of the subscriber that
submitted Trade Reference information
3
4
5
27
How to read TreX/eTR Report
1
Subject of Reference:
*There are some information
(business experiences) shared by
other CTOS Subscribers on this
subject.
1.Relationship: Tells you what is the
relationship of this subject with your
company (as declared by your
company)
2.Aging: Account receivables, the
amount of days owed and other
information about the subject’s
account with the trade referee.
*Trade Referee: the party sharing the
information
28
How to read TreX/eTR Report
3. Returned Cheque
Experience:
The subject has issued cheque
but the cheque cannot be
processed due to certain
reasons eg: Insufficient Fund,
Account Closed etc.
4. Reminders/ Letter of
Demand:
Details about the reminder
letter / letter of demand sent
to the subject
5. Referee’s request: Details of
the subscriber that submitted
the Trade Reference
29