ELECTRONIC BANKING

BusinessNet STA file format description

Ver.2009-09-28

TABLE OF CONTENTS BusinessNet STA file format description 1 1. Format description of STA file 3 1.1 General information about STA file 3 1.1.1 What is STA file? 3 1.1.2 How does the Structure of STA file look like? 3 1.1.3 How transaction details are presented in fields :61: and :86: ? 4 1.1.4 What types of codes are availiable? 4 1.2 Format description 5 1.1.5 Key to columns in the description of the records 5 1.1.6 Description of MT 940 Statement block format 5 1.2.1.1 Header 5 1.2.1.2 Transaction block 6 1.2.1.3 Transaction details structure (field :86:) 7 1.2.1.4 Closing block 8 1.1.7 Information in MT940 block 8 1.1.8 Example of STA file with 4 transactions 9 2. Further information 11

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1. Format description of STA file

1.1 GENERAL INFORMATION ABOUT STA FILE
This document explains format of STA file and is intended as reference for creators of interfaces between ERP system and BusinessNet. STA file, which is exported from BusinessNet contains MT940 statements.

1.1.1 WHAT IS STA FILE?

BusinessNet exports STA files, that contain blocks compliant with SWIFT MT940 standard. Because of exact specification of contents of these files, they can be imported to any ERP system, capable of MT940 import, enabling automated entry of transactions. STA is structured text file, containing End of Day statements blocks.

1.1.2 HOW DOES THE STRUCTURE OF STA FILE LOOK LIKE?

:20:statement date :25:account number :28C:statement number :NS:22account owner :60F:opening balance :61:transaction 1 :NS:19transaction 1 booking time :86:transaction 1 details :61:transaction 2 :NS:19transaction 2 booking time :86:transaction 2 details :61:transaction 3 :NS:19transaction 3 booking time :86:transaction 3 details :62F:closing balance :64:available balance :86:account information :20:statement date :25:account 2 number :28C:statement number :NS:22account owner :NS:23account type :60F:opening balance :61:transaction 4 -3-

Statement block (MT940). Contains full transaction information from previous day along with statement number, opening balance, closing balance,

:NS:19transaction 4 booking time :86:transaction 4 details :61:transaction 5 :NS:19transaction 5 booking time :86:transaction 5 details :62F:closing balance :64:available balance :86:account additional information

1.1.3 HOW TRANSACTION DETAILS ARE PRESENTED IN FIELDS :61: AND :86: ?
Transaction details are presented in lines :61: , :NS:19 and :86: Line :61: contains value date , entry date, amount and currency of transaction, line :NS:19 booking time, line :86: presents payment details, beneficiary details and transaction codes. :61:0203260326DN5312,00NTRF :NS:191559 :86:020<00Wyplata-(dysp/przel)<10transaction number <20 1st Payment details line <21 2nd Payment details line <22 3rd Payment details line <23 4th Payment details line <24 5th Payment details line <25 6th Payment details line <26 7th Payment details line <27 Ord.Party/Beneficiary NAME1 <28 Ord.Party/Beneficiary NAME2 <29 Ord.Party/Beneficiary ADRESS1 (STREET) <30 Ord.Party/Beneficiary bank<31Ord.Party/Beneficiary Account number <32 Ord.Party/Beneficiary short1<33 Ord.Party/Beneficiary short2 <38 Ord.Party/Beneficiary IBAN <60 Ord.Party/Beneficiary ADDRESS2 (TOWN) <61 Reconciliation code 1 <63 REF5898327000090031789

1.1.4 WHAT TYPES OF CODES ARE AVAILIABLE?

Transaction details contain 2 types of codes: Transaction codes: depending on type of transaction, different codes according to SWIFT and GVC (business transacion codes) standards are given to each transaction. For example standard domestic payment is given SWIFT code TRF and GVC code 020. Transaction codes give ERP system differentiation, whether booked amount is payment order or interest cost. -4-

Reconciliation codes: each outgoing order can be marked with number or code that will be returned in exactly specified place on electronic statement. This enables automatic recognition whether order derives from ERP system and which customer (according to ERP database) it concerns. It is also possible to give unique number (string) to every outgoing order. When this number (string) shows up on statement it means, that order was sucsessfully processed and marked in ERP system as completed.

1.2 FORMAT DESCRIPTION

Each STA file may contain one or more MT940 statements. Each statement (MT940) consist of header, transaction block and footer (closing block); Code page for Polish characters is cp852; Before every line the characters <CR><LF> (ASCII 13 + 10) are used; Information blocks (statements, intraday information) are separated with dash - Total length of row in STA text file cannot be longer that 65 characters.

1.1.5 KEY TO COLUMNS IN THE DESCRIPTION OF THE RECORDS

Status M- Mandatory, O - Optional Format n Digits only a Alphabetic letters, upper case only c Alphabetic letters (upper case) and digits only x Any character d Amount with comma (,) as decimal separator Example 2n - up to 2 digits 3!a - always 3 letters 4*35x - up to 4 lines of up to 35 characters each

1.1.6 DESCRIPTION OF MT 940 STATEMENT BLOCK FORMAT 1.2.1.1

Field number :20: Reference :25: Account identificati on

HEADER
Status M M Form at 6!n
2!a26!n

Description Reference number - statement date in format YYMMDD. :20:030226 Account identification in IBAN :25:PL79106000760000320000752973

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:28C: Statement number :NS:22 :60F: Opening balance Debit/Credi t indicator Date Currency Amount

M M M

5!n 35x 1!a

Statement number/page Eg. :28C:57 Account owner name Field specifies for the opening balance, whether it is a debit or credit balance, the date, the currency and the amount of the balance. F = Opening Balance C = Credit D = Debit Date YYMMDD Currency code ISO Amount Example for complete line :60F: :60F:C020326PLN134526,16

M M M M

1!a 6!n 3!a 15d

1.2.1.2
Field number :61: Transacti on line Value date Entry date Debit/cre dit indicator Funds code Amount Transacti on type Account owner reference Bank reference Bank reference :NS:19

TRANSACTION BLOCK
Status M M M M 6!n 4!n 2a Value date YYMMDD Entry date MMDD C = Credit D = Debit RC = Reversal of credit (debit entry) RD = Reversal of debit (credit entry) Funds Code (3rd character of the currency code) Eg. N for PLN Amount Constant symbol N eith Transaction code (type) according to SWIFT specification Eg. NTRF Customer reference (signature from BusinessNet) If there are no references NONREF is used. Bank /interface reference Second line of bank reference (after <CR><LF>). Description of type of transaction Booking time HHMM -6Form at Description

M M M M M M M

1!a 15d N3!c 16x (//)16 x 34x 4!n

:86: Transacti on details

See below

Transaction details. Special formatting applies (see below).

1.2.1.3

TRANSACTION DETAILS STRUCTURE (FIELD :86:)

General rules for field :86: Subfield separator is < Empty subfields are not presented. For example, if 6th and 7th payment details line is empty, subfields marks <25 and <26 are not presented Subfields from <20 to <26 are reserved for payment details; Subfields from <27 to <60 are reserved for ord. Party/beneficiary details (name and account); Subfields <61, <62 are reserved for reconciliation codes. Subfield number Beginning of field <00 <10 <20 <21 <22 <23 <24 <25 <26 <27 <28 <29 <30 <31 <32 <33 <38 Status M M M M O O O O O O M O O M M M O O Form at 3!n 27a 10n 35x 35x 35x 35x 35x 35x 35x 35x 35x 35x 10x 24x 27x 35x 34x Description Transaction code (type) according to GVC specification Eg. 020 Booking text - text description of Transaction code from Profile that is also printed on paper statement Sequential number of transaction on account Eg. 24755 1st Payment details line 2nd Payment details line 3rd Payment details line 4th Payment details line 5th Payment details line 6th Payment details line 7th Payment details line Ord. Party/Beneficiary Name 1 Ord. Party/Beneficiary Name 2 Ord. Party/Beneficiary Address 1 (street) Ord.Party/Beneficiary bank identification: Bank Sorting Code (for domestic payments) or BIC (in case of SWIFT payments) Ord.Party/Beneficiary short account identification: In case of Polish domestic payments, when account is in form of NRB, characters 11 26 are presented here Shortened Ord. Party/Beneficiary Name 1 (name is shortened to 27 characters.) Shortened Ord. Party/Beneficiary Name 2 Ord.Party/Beneficiary Account For Polish domestic payments NRB number is placed here (NRB is IBAN without PL) -7-

<60 <61 <63

O O M

35x 35x 35x

Ord. Party/Beneficiary Address 2 (town) Reconciliation code 1 (only for outgoing payments), taken from signature. May be used as unique transaction id in ERP system. Transaction reference number from Profile (bank host system) with keyword REF Eg. <63REF5898327000090031789

1.2.1.4
Field number :62F: Closing balance Debit/Credi t indicator Date Currency Amount :64: Available balance Debit/Credi t indicator Date Currency Amount :86: Additional informatio n from statement

CLOSING BLOCK
Status M M M M M M M M M M O 1!a 4!n 3!a 15d 6*65x 1!a 4!n 3!a 15d Form at Description Closing balance C = Credit D = Debit Date MMDD Currency ISO Amount Example for complete line :62F: :62F:C020628PLN3481,35 Available balance C = Credit D = Debit Entry date MMDD Currency ISO Amount Example for complete line :64: :64:C020628PLN3481,35 Note: this line :86: appears after line :64:, concerning whole statement and should not be mistaken with line :86: after line :61: (particular transaction details)

1.1.7 INFORMATION IN MT940 BLOCK

:20:statement date :25:account number :28C:statement number :NS:22account owner :60F:opening balance :61:transaction line (value date, entry date, currency, amount) :NS:19transaction booking time -8-

:86:business transaction code<00transaction type<10transaction number on account <20transaction details line 1 <21transaction details line 2 <22transaction details line 3 <23transaction details line 4 <24transaction details line 5 <25transaction details line 6 <26transaction details line 7 <27ord party/beneficiary name 1 <28ord party/beneficiary name 2 <29ord party/beneficiary address 1 <30ord party/benef bank BSC<31ord party/benef short account <32ord party/benef name (shortened)1<33 ord party/benef name (shortened)2 <38ord party/benef account <60 ord party/beneficiary address 2 <61reconciliation code 1 <63bank reference ....(next transaction)...... ............................ :62F:closing balance :64:available balance :86:account additional information

1.1.8 EXAMPLE OF STA FILE WITH 4 TRANSACTIONS

:20:1602359 :25:PL72106000760000320000546101 :28C:237 :NS:22Zak ady Wytwrcze Kineskopw :60F:C030825PLN0,00 :61:0308250825CN142680,00NTRFNONREF//8327000090031789 Przelew przychodzcy wewntrzny :NS:191259 :86:051<00Wp ata na rach.<101000000001 <20F-RA 4762/2003 ZAPATA ZA <21DOSTAW KINESKOPW <22LIPIEC 2003 <27BLACKTRONIX FABRYKA TELEWIZORW <29GOGOWSKA 248 <3010600076<310000320000584734 <32BLACKTRONIX FABRYKA TELEWIZ<33ORW <3822106000760000320000584734 <6060-010 POZNA <63REF5983270000900317897 :61:0308250825CN20000,00NTRFSENDERS REF//8327000090031790 Przelew przychodzcy wewntrzny :NS:191307 -9-

:86:051<00Wp ata na rach.<101000000002 <20FAKTURA 7/2003 <21DOSTAWA KINESKOPW <22BLACK 17' 25 SZT. <23BLACK 21' 30 SZT <27MATRIX WYTWRNIA SPRZTU TV I AGD <29PUAWSKA 65 <3010600076<310000300000374405 <32MATRIX WYTWRNIA SPRZTU TV<33 I AGD <3867106000760000300000374405 <6000-950 WARSZAWA <63REF598327000090031790 :61:0308250825DN8566,27NTRFREFERENCJE//8327000090031791 Przelew wychodzcy zewntrzny :NS:191312 :86:020<00Wyplata-(dysp/przel)<101000000003 <20FRA 7611/2003 TERMIN 030826 <21ZA REMONT ZAKADOWYCH <22POMIESZCZE MAGAZYNOWYCH <27USUGI REMONTOWE SP. Z O.O. <28JAN KOWALSKI <29STRKOWA 3A <3010501445<311000002252037854 <32USUGI REMONTOWE SP. Z O.O.<33 <3802105014451000002252037854 <6031-345 KRAKW <61TRANS65348259 <62USLREMONT <63REF598327000090031791 :61:0308250825DN19587,57NTRFREFERENCJE //8327000090031792 Przelew wychodzcy wewntrzny :NS:191312 :86:020<00Wyplata-(dysp/przel)<101000000004 <20FRA 324-2342-234/2003 <21ZA PREFABRYKATY DO TUB <22PRNIOWYCH <27HUTA SZKA TOPIK <29PRZEMYSOWA 67 <30110600076<310000320000119499 <32HUTA SZKA TOPIK<33 <3861106000760000320000119499 <6050-505 WROCAW <61TRANS65348260 <63REF598327000090031792 :62F:C030825PLN134526,16 :64:C030825PLN134526,16

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2. Further information
Business transaction codes list is in separate document, available at www.bph.pl/businessnet/erp website. If you have any questions about formats of BusinessNet export files please contact: HotLine BusinessNet Tel. 0 801 676 662 Tel. +48 22 531 81 00 e-mail: [email protected] Internet www.bph.pl/businessnet

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