Data dictionary

This topic includes information about the data dictionary for Axiom Financial Institutions Suite, including Axiom RPPS.

The data dictionary is available in an Excel spreadsheet, which you can download here.

It includes these tables:

  • Customer

  • CDs

  • Deposits

  • Loans

  • Treasury

  • Credit Cards

  • RPPS Fee-Based

  • Transactions

  • ACCT

  • DEPT

  • Officer

  • PROD

General file specifications

File Specification Description
Number of Periods An instrument data file normally contains the summary data for only one period because data is imported monthly. For implementation purposes, you can include multiple periods in a single import file as long as the As Of Date correctly represent the month-end date of the period.
Column Names Column names are required to be in the first row of the data file.
Columns Order the data fields as specified in this topic. Your organization should provide all of the data fields in each file—even if they are blank or marked as optional.
File Type Text files (.txt)
Delimiters The pipe delimiter is required.
Numberic Format Do not include commas in numeric data. Use an explicit decimal point. E.g. 9999.99
Date Format Dates should be in the format of m/d/yyyy. A leading zero on month and day is optional.
String() The string length specified is the maximum string length for the field. The length may be less but cannot exceed the specified length. If the value is all numeric, then leading zeros are not supported.
Leading Zeros The system supports leading zeros in string fields, such as Account Number, Officer, and Department, but only if the value is prefixed with or contains an alpha character. In the standard import, the system automatically prefixes the account number with the product type (e.g. LN, DD), which maintains the leading zeros.
Optional Fields All data files include ten fields reserved for your institution.

Definitions

Field Definitions

Field Description
Source System

This is a recommended but optional client-defined field that provides an identifier of the operational system from which the data has been sourced. This field is used if there are multiple source systems for the data that need to be identified or if instrument IDs, CIF IDs, or product codes are not unique across the systems.

NOTE: If imported, then this description is added to the beginning of the instrument ID and CIF ID along with the product type to force uniqueness. Example: KHA_LN_1234546789

Product Type This is a recommended but optional client-defined field that provides a high level identifier of the product. This field can be used to help differentiate accounts and products. For example, to quickly identify that an instrument is a loan versus a demand deposit, you can use L or D as the product type. It can also be used to force uniqueness of IDs across products. The Product Type is added to the Product Code and the Instrument ID. The resulting combination of Source System, Product Type, and Instrument ID or Product Code must create a unique identifier across all customer account instruments and products.
Average Balance Average Balance is the average balance for the full month. If the account opened or closed in the month, then the balance should reflect the average for the entire period and not just the days the account was open.
Expense Amounts

Expense data should be imported as a positive number. The logic to subtract the expenses is built into the profitability calculations.

NOTE: If expenses are allocated by a system outside of Axiom RPPS, then the corresponding expense allocation in RPPS should be set to Pricing Only so that the Axiom RPPS allocation does not overwrite the imported expenses. If that flag is set, the expense allocation set in Axiom RPPS is used only during pricing of new accounts.
Deposit Fees This is the amount actually paid by the customer, net of any waived fees. Waived fees are reported separately and are not subtracted from the imported deposit fees during the calculation of non-interest income.
Closed Accounts Closed Accounts must be included on the data file the month they closed and the status must be set to C. The average balance should reflect the average for the entire month. After the closing month, the record may be dropped from the data load file. If it is not dropped, then the status must remain set to C and all balances should be zero.

Interest Types

Type Description
F

Interest Type equals Fixed (F). These are fixed rate products.

ITYPE F is assigned to a term instrument that has an interest rate that is fixed for the life of the instrument.

FTP method assignment:

  • Amortizing = Cash Flow

  • Non-Amortizing = Term to Maturity
A

Interest Type equals Adjustable (A). These are instruments where the rate can reset either monthly or at any point during the life of the instrument. ITYPE A is assigned to a term instrument that has a scheduled interest rate reset (i.e. 5/1 ARM) or that has an ambiguous rate reset frequency (i.e. Prime based commercial loans). For the term instrument that has an ambiguous rate reset frequency, force the Rate Reset Frequency (AX_RateResetFreq) to 1 (monthly).

FTP Method Assignment:

  • Amortizing = Cash Flow

  • Non-Amortizing = Term to Maturity
V

Interest Type equals Variable (V). Indeterminate maturity and indeterminate balances. Rate resets monthly. ITYPE V is assigned to a non-term, non-amortizing instrument that has ambiguous rate reset frequency and cash flow. Examples of these types of instruments include managed rate and non-maturity products such as credit cards, non-term deposits, consumer, and commercial lines of credit. Deposit instruments that are non-interest bearing should be assigned this interest type.

The Interest Rate will be zero.

FTP Method Assignment:

  • All Products = Assigned Rate

Payment Type

Type Description
P&I

Amortizing with even total payment. Payment amount is the same every payment period and contains principal and interest, where the principal portion of payment increases over time (this is a typical fully amortizing mortgage or auto loan, even if there is a teaser rate or an initial interest only period).
P+I

Amortizing with even principal payment. The payment is flat principal amount plus interest. The payment amount decreases with declining principal balance.
IO

Interest only. Non-Amortizing.

Payment Frequency

Type Description
0 or blank

No payments
1

Payment occurs at least once per month
3

Payment every three months
6 Payment every six months
12 Payment every 12 months