how to read ctos report and trex report? · 95 bankruptcy receiving or adjudication order received...

How to read CTOS Report and TreX Report?

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Types of information available in CTOS Report

Company/Business(will be shown in the

following slides)

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

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Section A

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Section A:

1. FICO Score2. CTOS Litigation Index3. STATS4. ID Verification5. Credit Info at A Glance

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Section A

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FICO Score : A score range of 350-800The 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

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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)

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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.

What is CTOS Litigation Index

DD Index 9 5 3 4

First two digitsThird 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.

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Reflected in Section A

• 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

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CTOS Litigation Index Table - Individual (First 2 Digits) - representing the worst case scenario - legal case

Digit Record Type

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 Proclamation of Sale under Deed of Assignment

88 Proclamation of Sale under the National Land CodeForeclosure Proceedings-Originating Summons issued

87 Civil SuitSummon

85 Tribunal

83 Special Listing-AMLA

82 Internal List

49 Bankruptcy Discharge/Annulment

48 Bankruptcy Creditors Petition struck offAction WithdrawnSettled

Digit Record Type

47 Bankruptcy Notice struck offAction WithdrawnSettled

45 Proclamation of Sale struck offAction withdrawnSettled

43 Civil Suit Struck offAction withdrawnSettled

41 Civil Suit under Repayment Scheme

39 Civil Suit- Account Regularized

37 Tribunal struck offAction withdrawnSettled

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

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CTOS Litigation Index- Company (First 2 Digits) - representing the worst case scenario - legal case

Digit Record Type

98 Significant mismatch of company name versus registration number

97 Company struck offBusiness deregistered

96 Voluntary Winding up

95 Wound up order issued

93 Petition for winding up issued

89 Proclamation of sale under Deed of Assignment

88 Proclamation of Sale under the National Land CodeForeclosure Proceedings-Originating Summons issued

87 Civil SuitSummon

86 Originating summon

85 Tribunal

83 Special Listing-AMLA, Internal List

Digit Record Type

49 Wound up order struck offStayed

48 Petition stayed struck offAction withdrawnSettled

47 Proclamation of sale struck offAction WithdrawnSettled

45 Civil suit struck offAction WithdrawnSettled

43 Civil suit under repayment scheme

41 Civil suit-Account regularized

39 Tribunal struck offAction withdrawnSettled

37 Company under special administration

35 Company Restructure/equity reduction

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Third Digit: Tells you the age of the worst case scenario

Fourth Digit: Tells you the total legal cases

Digit Description

9 9 records or > 9 records

8 8 records

7 7 records

6 6 records

5 5 records

4 4 records

3 3 records

2 2 records

1 1 record

Digit Description

9 0 - 12 months

8 13 - 24 months

7 25 - 36 months

6 37 - 48 months

5 49 - 60 months

4 61 - 72 months

3 73 - 84 months

2 85 - 96 months

1 > 96 months

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Section A

STATS:

Displays information selected by users and the availability of information in each section.Section A: ID VerificationSection B: Company Profile (For Individual: Directorship & Business Interest, Address Records)Section C: CCRISSection D: Legal Records

TR: Trade References (TREX/eTR)

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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

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)

ID Verification• Summary details of

the subject

• Summary details of the company’s financials and shareholders’ information

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Section A

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

NEWSPAPERS2RM 200,000.00

00

Trade references in past 24 months• Negative• Positive

SUBSCRIBER00

00

Dishonoured cheques in past 24 months DCHEQS YES YES

Outstanding credit facilities• Number• Value• Installments in arrears in past 24 months

CCRIS3RM 274,599.00YES

--

Special attention accounts CCRIS NO NO

Credit applications in past 12 months Total Approved Pending

CCRIS403

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Credit Info at a Glance:

This section displays the highlights on the following information: Litigation, Trade References, CCRIS, DCHEQUES

Indicator:No recordsWith Records

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Section B- Company’s profileSection B: Company’s profile

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:

• Balance sheet• Income Statement• Liquidity ratios

Information on the company’s subsidiaries will also be shown

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Section B- Company’s profile

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 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

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Company details:

• Registration date• Registration address• Business Sector• Auditor• Financial Year End• Company Type• Address Records

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Share Capital:• Paid up capital• Authorised capital• Number of shares• Nominal Value• Type of shareholders

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

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Section B- Company’s profileDIRECTORS

Name ResidentialAddress

IC no. Designation Date of Appointment

Date ofResignation

DIRECTOR 1 219 JLN GIGIH 9,BANDAR T6,47100 SHAHALAM

790312012234

Director 04/04/2002 -

DIRECTOR 2 89 TAMAN FAJAR,BAKRI BATU 4,47200 SHAH ALAM,SELANGOR

770310015514

Director 16/06/2006 -

SECRETARY NO.198, JALAN SATU,TAMAN KERAMAT,SELANGOR

640301012231

Secretary 26/12/2003 -

SHAREHOLDERS

Name IC no. / BR No. Shareholding (shares) Shareholding (%)

SHAREHOLDER 1 790312012234 50,000 10%

SHAREHOLDER 2 770509355519 450,000 90%

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List of directors and shareholders of the company

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Other financial Information also available in Section B

Snapshot of financial information in Section B.These information is obtained via CCM /SSM- SuruhanjayaSyarikat Malaysia

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Section C- CCRIS Information

Subject Status 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

Total 272,059.00 2,270,000.00 0.00

Legal Action Taken Y

Special Attention Account

Y

Section C is divided into 3 subsection: C1, C2 and C3

C1: Banking Payment History

Banking Payment History includes:• CCRIS Summary • CCRIS Details • CCRIS Derivatives

The image in this slide shows CCRIS Summary

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Loan Information

No Date Sts Capacity LenderType

FacilityTotal Outstanding Balance (RM)

Date Balance Updated

Limit (RM)Prin. Repmt. Term

ColType

Conduct Of Account For Last 12 Months LGL STS

Date Status Updated

2015 2014

Outstanding Credit M F J D N O S A J J M A

12 10/05/2014

1 02/11/2011 Own CB 38,000.00 70

O PCPASCAR 34,488.00 28/02/2015 MTH 0 0 0 0 1 0 0 0 0 0 1

2 10/11/2014 Own CB 10,000.00 00

O CRDTCARD 5,000.00 28/02/2015 MTH 0 0 0 0 0 0 0 0 0 0 1

Total Outstanding Balance:

39,488.00 TotalLimit:

43,000.00

Special Attention Account

1 10/11/2014 CRDTCARD 10 09/01/2015

Credit Application

1 02/01/2015 P Own Own 25,000.00

2 11/03/2015 A Own CB 15,000.00

3 02/02/2015 A Joint OTH 33,000.00

CCRIS Details (C1-Banking Payment History)

Type of facility Outstanding Total applied Payment behaviour

Special Attention Account- For Account that has bad payment history/ writ off accounts

Credit applications – loan yet to be imbursed

CCRIS Details

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Section C1: CCRIS Derivatives

CCRIS DERIVATIVES

Earliest known facility Date of application 09/06/2011

Facility type HRPCSGD – Hire purchase for scheduled goods

Secured facilities # of facilities 2

Total outstanding balance (RM) 272,059.00 (12.4 %)

Average number of installments in arrears 4.4

Unsecured facilities # 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

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Section C2 and C3: (Dishonoured Cheques and Subject’s Comments)

Bounced cheques issued by the subject and recorded by Bank Negara Malaysia.

3 types of remarks:• Account Closed• Effects not Cleared• Insufficient Fund

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

C3: CCRIS Subject CommentA platform for subject to comment about the CCRIS information

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Section D: Legal Records

No Case Type Amount PlaintiffStatus 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

Section D: This section is divided into 2 subsections (D1 and D2)

D1: Subject as a defendantD2: Subject as a plaintiff

Section D1 (Summary and details of legal records)

Image below shows the summary of legal records

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1. SUMMONS - PARTY NAMED IN SUIT

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

Tel 07-24235266/

22442368

REF

LIQUIDATOR THE OFFICIAL RECEIVERPEGAWAI PEMEGANG HARTA MALAYSIA7 & 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.

Section D: Legal Cases

How to read legal records:Main information that you have to look for:

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Record Type and Stage

Petitioner (Party who sued the subject)

Amount

Lawyer details

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SUMMONS –PARTY NAMED IN SUIT

DEFENDANT ABSOLUTE DISASTER SDN BHD

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

GAZETTE CCM SEARCH DATE

AMOUNT

SOLICITOR KENGTEEN & CO SUITES 3 & 4, 15TH FLOOR,KOMPLEKS PERDANA

Tel 07-24325266

Ref 123456


D2: Legal Cases (Subject as plaintiff)

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Record Type and Stage

Defendant

Court Dates

Lawyer details

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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.


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D3: AMLA (Anti Money Laundering Act)

Example of an AMLA record:

1. United States Dept of Treasury Specially Designated Nationals

Name : Wendall Koon KoonID : 6510781

Historical Enquiry

This section displays the total number of enquiries made on the subject in the past 24 months. Divided into 3 categories:Financial InstitutionNon Finance InstitutionLawyer

2013 2014

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Credit

Evaluation

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

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

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

Others

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

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

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

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How to read TreX/eTR Report

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Subject of Reference

Aging information

Returned Cheque Experience

Reminders/ Letter of Demand for payment

Referee’s request: Details of the subscriber that submitted Trade Reference information

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1Subject 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


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3. Returned ChequeExperience:The subject has issued chequebut 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


how to read ctos report and trex report? · 95 bankruptcy receiving or adjudication order received...

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