BAI Layout Reference Guide RBC

BALANCE
AND
Revised Feb 2008
SAMPLEBAIENHANCEDMAPFILELAYOUT
TRANSACTION
REPORTING
OVERVIEW
This map contains Zero Balance entries in the Continuation 88 Records of the 03 Record Type. Clients using this map will see their backdated entries in the file with the applicable value date.
Below are some BAI Cash management Balance Reporting Specifications. They define a format for data within files and records. The specifications DO NOT replace, define, restrict, supersede, or alter data
communication protocols used by senders and receivers of these files. The records in a balance reporting transmission are ordered as follows:
1
02
03
88
16
88
49
98
99
File Header:
The file header marks the beginning of a file. It identifies the send and receiver of the transmission, and it describes the
structure of the file.
Group Header
The group header identifies a group of accounts that are from the same originator and included the same as-of-date
and as-of-time.
Account Identifier:
This record identifies the account number and reports activity summary and account status information. Summary
information may be accompanied by an item count and funds availability distribution.
Continuation of 03 record:
A continuation record. It is used when data exceed maximum physical record length, or whenever it is desirable to
continue data into an additional record. It may follow any record type, including another continuation (88) record.
Transaction Detail:
This record is used for transmission of detail transactions information. Transaction detail may include two reference
numbers and a free-form alphanumeric text.
Continuation of 16 record:
Continuation of record 16
Account Trailer:
The account trailer record provides account control totals.
Group Trailer:
This record provided group control totals.
File Trailer:
This record provided file control totals.
A file may contain several groups. Each group begins with a 02 Group Header record and ends with a 98 Group Trailer record. This procedure allows a file to contain information from multiple originators. Some fields
within a record are optional. If an optional field is defaulted or left unspecified, this must be indicated by adjacent delimiters (,,) or (,/). Optional fields at the end of a record cannot be left off but must be indicated by
adjacent delimiters.
The Royal Bank uses the following specifications.
All records have a physical record length of 80 bytes.
Fields are delimited by a comma (,)
The end of a record that does not include text is indicated by the delimiter slash (/).
If a field is signed, the sign always precedes the value.
Numeric fields are right justified with leading zeros and alphanumeric fields are left justified with trailing blanks.
Note: these specifications are within the BAI guidelines.
Feb26,2008FileLayout
Record type 01: File Header

The file header marks the beginning of a file. It identifies the sender and receiver of the transmission and it describes the structure of the file.
Field Name
Field Description
Position
Length Type
Sample
Record code
01
01-02
Numeric
01
Delimiter
03-03
Alphanumeric
Sender Identification
Originator/Transmitter of file (Sender Bank & Transit)
04-12
Alphanumeric
000300032
Delimiter
13-13
Alphanumeric
Receiver Identification
Identifies receiver of file. (RBC uses SRF #)
14-22
Alphanumeric
123456789
Delimiter
23-23
Alphanumeric
File Creation Date
Date sender created file; YYMMDD format
24-29
Numeric
020125
Delimiter
30-30
Alphanumeric
File Creation Time
Time of day sender created file; (Military format 2400)
31-34
Numeric
0600
10
Delimiter
35-35
Alphanumeric
11
File Identification Number
Sender determined identification number. The number must be

new for each file with the same file creation date. RBC hard
codes 1.
36-36
Numeric
12
Delimiter
37-37
Alphanumeric
13
Physical Record Length
Number of characters in a physical record. Default is variable

length records.
38-39
Numeric
80
14
Delimiter
40-40
Alphanumeric
15
Delimiter
41-41
Alphanumeric
16
Version Number
BAI version number. This is a hard coded number.
42-42
Numeric
17
Delimiter
End of logical record
43-43
Alphanumeric
Field #
Sample 01 record:
01,000300032,123456789,020125,0600,1,80,,2/
Royal Bank (000300032) is sending data to client SRF # (123456789). The file was created Jan. 25, 2002 (020125) at 6:00am (0600). This is the first file created on
this date and is identified as 1. The physical records in this file are 80 characters in length. No block size is specified this is noted by adjacent delimiters, The file is
version (2) of the specifications. The slash (/) delimits the end of the logical record.
Record type 02: Group Header

The group header identifies a group of accounts, all of which are from the same originator and include the same as-of-date.
Field #
Field Name
Field Description
Position
Length Type
Sample
Record code
02
01-02
Numeric
02
Delimiter
03-03
Alphanumeric
Ultimate receiver ID
Final receiver of this group of data. (RBC uses SRF number)
04-12
Numeric
123456789
Delimiter
13-13
Alphanumeric
Originator Identification
Originator (Sender Bank+ sender Transit)
14-22
Numeric
000300032
Delimiter
23-23
Alphanumeric
Group Status
1 = Update
24-24
Numeric
Delimiter
25-25
Alphanumeric
As-of-Date
Date for which reported information is current.
26-31
Numeric
020124
10
Delimiter
32-32
Alphanumeric
11
As-of-Time
Time of day in originator time zone, for which information is

current. Military format 24 hours, (0001 through 2400);
33-36
Numeric
0600
12
Delimiter
37-37
Alphanumeric
13
Currency Code
The currency code is either CAD or USD
38-40
Numeric
CAD
14
Delimiter
41-41
Alphanumeric
15
As-of-date Modifier
As-of-date modifier is used to identify final , previous day data
42-42
Numeric
16
Delimiter
43-43
Alphanumeric
Sample 02 record:
02,123456789,000300032,1,020124,0600,CAD,2/
A group of data is being sent to client 123456789 from Royal Bank (00030032). The data in the file has a group status of update (1) and the data are as of Jan. 24,
2002 (020124) at 6:00 am (0600). The optional group currency code field is (CAD). The optional As-of date modifier is set to (2) final previous day data. The slash
(/) delimits the end of the logical record.
Record type 03: Account Identifier and Summary Status DDA ACCOUNT
This record identifies the account number and reports summary and status information. Summary information may be accompanied by an item count and funds
availability distribution. A 03 record must be used to identify each account. All fields are required except those labelled optional.
Field #
Field Name
Field Description
Position
Length Type
Sample
Record code
03
01-02
Numeric
03
Delimiter
03-03
Alphanumeric
Customer Account Number
Customer account number at originator financial institution. The

field is alphanumeric and includes significant leading zeroes.
04-20
17
Alphanumeric
00002000001111
111
Delimiter
21-21
Alphanumeric
Currency Code
22-24
Alphanumeric
CAD
Delimiter
25-25
Alphanumeric
Type Code
Identifies the type of summary or status data. Opening Ledger

010.
26-28
Numeric
010
Delimiter
29-29
Alphanumeric
Amount
Expressed without a decimal. The currency code will determine

the implied decimal.
30-43
14
Numeric
+000000056540
0
10
Delimiter
44-44
Alphanumeric
11
Delimiter
45-45
Numeric
12
Delimiter
46-46
Numeric
13
Type code
Identifies the type of summary or status data. Closing Ledger

015.
47-49
Numeric
015
14
Delimiter
50-50
Alphanumeric
15
Amount

51-64
14
Numeric
+000000054540
0
16
Delimiter
65-65
Numeric
17
Delimiter
66-66
Numeric
18
Delimiter
67-67
Alphanumeric
Sample 03 record:
03,00002000001111111,CAD,010,+0000000565400,,,015,+0000000545400,,/
Data in this record are for the sending banks account # 00002000001111111. The leading zero in the account number is significant and must be included in the data.
The currency is CAD. The amount for type code 010 is $5,654.00. The item count and funds type fields are defaulted as indicated by adjacent delimiters (,,). The
amount for type code 015 is $5,454.00. The item count & funds type are defaulted as indicated by adjacent delimiters (,,).The slash (/) delimits the end of the logical
record.
Record type: 88 Continuation of previous 03 record
DDA ACCOUNT
Record 88 is a continuation record. If data in any type of record exceed the physical record size, or if dividing the record is desirable for any other reason, an 88 record
allows the data to continue in the same format. The continuation is labelled as a type 88 record. A continuation record may follow any type of record, including another
continuation
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
88
01-02
Numeric
88
Delimiter
03-03
Alphanumeric
Record type
100 for Summary Total Credits 100
04-06
Numeric
100
Delimiter
07-07
Alphanumeric
Amount
Amount for type 100 Summary Total Credits
08-21
14
Numeric
+00000000050
00
Delimiter
22-22
Alphanumeric
Item count
Integer field. For Summary type codes only. Total number of

credits
23-28
Numeric
+00001
Delimiter
29-29
Alphanumeric
Delimiter
30-30
Alphanumeric
11
Record type
400 for Summary Total Debits 400
31-33
Numeric
400
12
Delimiter
34-34
Alphanumeric
13
Amount
Amount for type 400 Summary Total Debits
35-48
14
Numeric
+00000000250
00
14
Delimiter
49-49
Alphanumeric
15
Item Count
Integer field. For summary codes only. Total number of debits.
50-55
Numeric
+00002
16
Delimiter
56-56
Alphanumeric
17
Delimiter
57-57
Alphanumeric
Sample 88 record:
88,100,+0000000005000,+00001,,400,+0000000025000,+00002,/
Record 88 is a continuation of record type 03. The record type 100, summary records, has a total amount of $50.00 (00000000005000) with a total number of credit
items 1 (000001). Since funds type defaults to record 03 (CAD) we have (,,). We then restart with record type (400) for Summary Total debits for a value of $250.00
(00000000025000) for two items (000002). Again the funds type is default (,). The slash (/) delimits the end of the logical record.
DDA ACCOUNT
continuation
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
88
01-02
Numeric
88
Delimiter
03-03
Alphanumeric
Record Type
270 Total Zero Balance account credit code
04-06
Numeric
270
Delimiter
07-07
Alphanumeric
Amount
Zero Balance account credit amount
08-21
14
Numeric
+00000000050
00
Delimiter
22-22
Alphanumeric
Item Count
Integer field. Total number of credits.
23-28
Numeric
+00001
For Summary type codes only.

8
Delimiter
29-29
Alphanumeric
Delimiter
30-30
Alphanumeric
10
Record Type
570 Total Zero Balance account debit code
31-33
Numeric
570
11
Delimiter
34-34
Alphanumeric
12
Amount
Zero Balance account debit amount
35-48
14
Numeric
+00000000250
00
13
Delimiter
49-49
Alphanumeric
14
Item Count
Integer field. Total number of debits.
50-55
Numeric
+00002
For Summary type codes only.

15
Delimiter
56-56
Alphanumeric
16
Delimiter
57-57
Alphanumeric
Sample 88 record:
88,270,+0000000005000,+00001,,570,+0000000025000,+00002,/
Record 88 is a continuation of record type 03. The record type 270, Zero Balance Credit records, has a total amount of $50.00 (00000000005000) with a total number
of credit items 1 (000001). Since funds type defaults to record 03 (CAD) we have (,,). We then restart with record type (570) for Zero Balance Debit records for a value
of $250.00 (00000000025000) for two items (000002). Again the funds type is default (,).The slash (/) delimits the end of the logical record.
Record type: 16 Transaction Detail record
DDA ACCOUNT
This record reports detail with accompanying text and reference numbers. All fields are required except those labelled optional.
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
16
01-02
Numeric
16
Delimiter
03-03
Alphanumeric
Type Code
Identifies the type of detail data. (Transaction type code)
04-06
Numeric
195
Delimiter
07-07
Alphanumeric
Amount
Always positive unsigned. Expressed without a decimal
08-20
13
Numeric
000000000500
0
Delimiter
21-21
Alphanumeric
Funds Type
V for value dated. Hard coded
22-22
Alphanumeric
Delimiter
23-23
Alphanumeric
Value Date
Date funds available to customer.
24-29
Numeric
020124
10
Delimiter
30-30
Alphanumeric
11
Value Time
Default.
31-34
Numeric
0600
12
Delimiter
35-35
Alphanumeric
Sample 16 record:
16,195,0000000005000,V,020124,0600/
This is a detail record 16. The amount for type code 195 is $50.00 has value dated availability (V) of 020124 and the availability time is 0600. The slash (/) delimits
the end of the logical record.
DDA ACCOUNT
continuation
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
88
01-02
Numeric
88
Delimiter
03-03
Alphanumeric
Bank reference number
Optional Alphanumeric field defined by the originator.
04-16
13
Numeric
000207123123
4
Delimiter
17-17
Alphanumeric
Customer Reference
Number
Optional alphanumeric field defined by the originator.
18-37
20
Alphanumeric
FUNDS
TRANSFER
CR
Delimiter
38-38
Alphanumeric
Text
Alphanumeric field defined by the originator
39-58
20
Alphanumeric
ABC
COMPANY
LTD.
Delimiter
38-38
Alphanumeric
Text
Alphanumeric field defined by the originator
39-58
20
Alphanumeric
DESC#3
10
Delimiter
End of logical record.
59-59
Alphanumeric
Sample 88 record:
88,0002071231234,FUNDS TRANSFER CR ,ABC COMPANY LTD.
,DESC#3
Record 88 is a continuation of record type 16. The bank reference number is 0002071231234, the customer reference number is FUNDS TRANSFER CR and the text
fields are ABC COMPANY LTD and BLANK. The slash (/) delimits the end of the logical record.
Record type: 49 Account Trailer
DDA ACCOUNT
The account trailer record provides account level control totals. All fields are required
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
49
01-02
Numeric
49
Delimiter
03-03
Alphanumeric
Account control total
Algebraic sum of all amount fields in the preceding type 03

record and all type 16 and 88 records associated with that account.
Includes the + or -.
04-17
14
Numeric
+00000011708
00
Delimiter
18-18
Alphanumeric
Number of records
Integer. The total number of records in the account, including 03

record and all 16 and 88 records, and including this account trailer
49 record.
19-24
Numeric
000009
Delimiter
25-25
Alphanumeric
Sample 49 record:
49,+0000001170800,000009/
The account trailer record contains the account control total (1170800) which is the algebraic sum of Amounts in all records back to and including the preceding 03
record. The account control total does not include amounts in funds type fields. The number of records (9) includes the 03, 16, 88 and this account trailer record
(49). The slash (/) delimits the end of the logical record.
Record type 03: Account Identifier and Summary Status
RDA ACCOUNT
availability distribution. An 03 record must be used to identify each account. All fields are required except those labelled optional.
Field #
Field Name
Field Description
Position
Length Type
Sample
Record code
03
01-02
Numeric
03
Delimiter
03-03
Alphanumeric

04-20
17
Alphanumeric
00002000001111
111
Concatenation of the Branch no and Account no

4
Delimiter
21-21
Alphanumeric
Currency Code
22-24
Alphanumeric
CAD
Delimiter
25-25
Alphanumeric
Type Code
Identifies the type of summary or status data.
26-28
Numeric
010
Opening Ledger 010.

8
Delimiter
29-29
Alphanumeric
Amount

30-43
14
Numeric
+000000056540
0
10
Delimiter
44-44
Alphanumeric
11
Delimiter
45-45
Alphanumeric
12
Delimiter
46-46
Alphanumeric
13
Type code
Identifies the type of summary or status data.
47-49
Numeric
015
Closing Ledger 015.

14
Delimiter
50-50
Alphanumeric
15
Amount

51-64
14
Numeric
+000000054540
0
16
Delimiter
65-65
Alphanumeric
17
Delimiter
66-66
Alphanumeric
18
Delimiter
67-67
Alphanumeric
Sample 03 record:
03,00002000001111111,CAD,010,+0000000565400,,,015,+0000000545400,,/
Data in this record are for the sending banks account # 00002000001111111. The leading zero in the account number is significant and must be included in the data.
The currency is CAD. The amount for type code 010 is $5,654.00. The item count and funds type fields are defaulted as indicated by adjacent delimiters (,,). The
amount for type code 015 is $5,454.00. The item count & funds type are defaulted as indicated by adjacent delimiters (,,).The slash (/) delimits the end of the logical
record.
RDA ACCOUNT
continuation
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
88
01-02
Numeric
88
Delimiter
03-03
Alphanumeric
Record type
100 for Summary Total Credits 100
04-06
Numeric
100
Delimiter
07-07
Alphanumeric
Amount
Amount for type 100 Summary Total Credits
08-21
14
Numeric
+00000000050
00
Delimiter
22-22
Alphanumeric
Item count
Integer field. For Summary type codes only. Total number of

credits
23-28
Numeric
+00001
Delimiter
29-29
Alphanumeric
Delimiter
30-30
Alphanumeric
11
Record type
400 for Summary Total Debits 400
31-33
Numeric
400
12
Delimiter
34-34
Alphanumeric
13
Amount
Amount for type 400 Summary Total Debits
35-48
14
Numeric
+00000000250
00
14
Delimiter
49-49
Alphanumeric
15
Item Count
Integer field. For summary codes only. Total number of debits.
50-55
Numeric
+00002
16
Delimiter
56-56
Alphanumeric
17
Delimiter
57-57
Alphanumeric
Sample 88 record:
88,100,+0000000005000,+00001,,400,+0000000025000,+00002,/
Record 88 is a continuation of record type 03. The record type 100, summary records, has a total amount of $50.00 (00000000005000) with a total number of credit
items 1 (000001). Since funds type defaults to record 03 (CAD) we have (,,). We then restart with record type (400) for Summary Total debits for a value of $250.00
(00000000025000) for two items (000002). Again the funds type is default (,).The slash (/) delimits the end of the logical record.
Record type: 16 Transaction Detail record
RDA ACCOUNT
This record reports detail with accompanying text and reference numbers. All fields are required except those labelled optional.
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
16
01-02
Numeric
16
Delimiter
03-03
Alphanumeric
Type Code
Identifies the type of detail data. (Transaction type code)
04-06
Numeric
195
Delimiter
07-07
Alphanumeric
Amount
Always positive unsigned. Expressed without a decimal
08-20
13
Numeric
000000000500
0
Delimiter
21-21
Alphanumeric
Funds Type
V for value dated.
22-22
Alphanumeric
Hard coded. NOT from COBOL record

8
Delimiter
23-23
Alphanumeric
Value Date
Date funds available to customer.
24-29
Numeric
020124
10
Delimiter
30-30
Alphanumeric
11
Value Time
Use the file creation time.
31-34
Numeric
0600
12
Delimiter
35-35
Alphanumeric
Sample 16 record:
16,195,0000000005000,V,020124,0600/
This is a detail record 16. The amount for type code 195 is $50.00 has value dated availability (V) of 020124 and the availability time is 0600. The slash (/) delimits
Record type: 88
Continuation of previous 16 record
RDA ACCOUNT
continuation
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
88
01-02
Numeric
88
Delimiter
03-03
Alphanumeric
Serial number
Transaction serial number.
04-16
13
Numeric
000207123123
4
Delimiter
17-17
Alphanumeric
Text
RDA description line
18-37
20
Alphanumeric
FUNDS
TRANSFER
CR
Delimiter
38-38
Alphanumeric
Sample 88 record:
88,0002071231234,FUNDS TRANSFER CR /
Record 88 is a continuation of record type 16. The bank reference number is 0002071231234, and text field is FUNDS TRANSFER CR. The slash (/) delimits the end
of the logical record.
RDA ACCOUNT
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
49
01-02
Numeric
49
Delimiter
03-03
Alphanumeric

04-17
14
Numeric
+00000011708
00
Delimiter
18-18
Alphanumeric
Number of records

49 record.
19-24
Numeric
000009
Delimiter
25-25
Alphanumeric
Sample 49 record:
49,+0000001170800,000009/
Record type 03: Account Identifier and Summary Status
LOANS ACCOUNT
Field #
Field Name
Field Description
Position
Length Type
Sample
Record code
03
01-02
Numeric
03
Delimiter
03-03
Alphanumeric

04-20
17
Alphanumeric
0000212345678001
This field is the concatenation of Branch no, Account no, a dash,

and segment number.
4
Delimiter
21-21
Alphanumeric
Currency Code
22-24
Alphanumeric
CAD
Delimiter
25-25
Alphanumeric
Type Code
Principal Loan Balance Code
26-28
Numeric
010
This value is not passed to us in the COBOL record

010 will .be hard coded
..
8
Delimiter
29-29
Alphanumeric
Amount
Loan opening Balance Amount
30-43
14
Numeric
+000000056540
0

10
Delimiter
44-44
Alphanumeric
11
Delimiter
45-45
Numeric
12
Delimiter
46-46
Numeric
13
Type code
Adjusted balance code , Passed to B2B in the COBOL input file
47-49
Numeric
056
Value will be 056

14
Delimiter
50-50
Alphanumeric
15
Amount
Adjusted balance amount
51-64
14
Numeric
+000000054540
0
16
Delimiter
65-65
Numeric
17
Delimiter
65-65
Numeric
18
Delimiter
67-67
Alphanumeric
Sample 03 record:
03,0000212345678-001,CAD,010,+0000000565400,,,056,+0000000545400,,/
Data in this record are for the sending banks account # 00002 12345678-001. The leading zero in the account number is significant and must be included in the data.
The currency is CAD. The principal loan balance code 010 is $5,654.00. The item count and funds type fields are defaulted as indicated by adjacent delimiters (,,,). The
adjusted balance code 056 is $5,454.00. The item count & funds type are defaulted as indicated by adjacent delimiters (,,).The slash (/) delimits the end of the logical
record.
Record type: 88 Continuation of previous 03 record LOANS ACCOUNT

continuation
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
88
01-02
Numeric
88
Delimiter
03-03
Alphanumeric
Account type
Text field describing the account. Will contain LOAN
04-07
Alphanumeric
LOAN
Delimiter
08-08
Alphanumeric
Interest Rate
Interest rate
09-14
Numeric
005120
Delimiter
15-15
Alphanumeric
Maturity Date
Maturity Date
16-23
Numeric
020412
Delimiter
24-24
Alphanumeric
Delimiter
25-25
Alphanumeric
Sample 88 record:

88,LOAN,005120,020412,/
Record 88 is a continuation of record type 03. The account type is LOAN, the interest rate is 0.5120, and the maturity date is April 12, 2002. The slash (/) delimits the
end of the logical record.
LOANS ACCOUNT
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
49
01-02
Numeric
49
Delimiter
03-03
Alphanumeric

04-17
14
Numeric
+00000011708
00
Delimiter
18-18
Alphanumeric
Number of records

49 record.
19-24
Numeric
000009
Delimiter
25-25
Alphanumeric
Sample 49 record:
49,+0000001170800,000009/
Record type 03: Account Identifier and Summary Status TERM DEPOSITS
Field #
Field Name
Field Description
Position
Length Type
Sample
Record code
03
01-02
Numeric
03
Delimiter
03-03
Alphanumeric

04-29
26
Alphanumeric
00002000011111
11111111-001
Field is a concatenation of Branch no, Account no, a dash, and

segment number.
4
Delimiter
30-30
Alphanumeric
Currency Code
31-33
Alphanumeric
CAD
Delimiter
34-34
Alphanumeric
Type Code
Principal Term Deposit Balance code
35-37
Numeric
015
The value is passed within the Raw Cobol file. It should be 015
8
Delimiter
38-38
Alphanumeric
Amount
Term Deposit Current Balance amount.
39-52
14
Numeric
+000000056540
0
53-53
Alphanumeric

10
Delimiter
Sample 03 record:

03,0000200001111111111111-001,CAD,015,+0000000565400/
Data in this record are for the sending banks account # 00002 00001111111111111-001. The leading zero in the account number is significant and must be included in
the data. The currency is CAD. The principal term deposit balance code 015 is $5,654.00. The slash (/) delimits the end of the logical record.
Record type: 88 Continuation of previous 03 record TERM DEPOSITS

continuation
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
88
01-02
Numeric
88
Delimiter
03-03
Alphanumeric
Account Type
Account type. A text field with the value of Term
04-07
Alphanumeric
TERM
Delimiter
08-08
Alphanumeric
Interest rate
Interest rate
09-22
14
Numeric
000123456000
00
Delimiter
23-23
Alphanumeric
Maturity Date
Maturity Date
24-31
Numeric
060412
Delimiter
32-32
Alphanumeric
Issue date
33-40
Numeric
020412
10
Delimiter
41-41
11
Length Years
Length of term deposit in years
42-44
12
Delimiter
45-45
13
Length Days
Length of term deposit in days
46-48
Numeric
001
14
Delimiter
49-49
Alphanumeric
15
End of record
50
Alphanumeric
Sample 88 record:
Issue date
,
Numeric
004
,
88,TERM,00012345600000,060412,020412,004,001,/
Record 88 is a continuation of record type 03. The account type is TERM, the interest rate is 0.123456, the maturity date is April 12, 2006, the issue date is April 12,
2002, the length in years is 4, and the length in days is 1. The slash (/) delimits the end of the logical record.
Record type: 49 Account Trailer TERM DEPOSITS

Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
49
01-02
Numeric
49
Delimiter
03-03
Alphanumeric

04-17
14
Numeric
+00000011708
00
Delimiter
18-18
Alphanumeric
Number of records

49 record.
19-24
Numeric
000009
Delimiter
25-25
Alphanumeric
Sample 49 record:
49,+0000001170800,000009/
Record type: 98 Group Trailer

The group Trailer record provides group level control totals. All fields are required
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
98
01-02
Numeric
98
Delimiter
03-03
Alphanumeric
Group control total
Algebraic sum of all account control totals in this group. This

field includes the + or -. Includes all 49 records.
04-17
14
Numeric
+00000465877
68
Delimiter
18-18
Alphanumeric
Number of accounts
Integer. The total number of 03 records in this group.
19-24
Numeric
000005
Delimiter
25-25
Alphanumeric
Number of records
Integer. The total number of all records in this group. Includes

the 02, all 03, 16, 88 and 49 records and this 98 record.
26-31
Numeric
000025
Delimiter
32-32
Alphanumeric
Sample 98 record:
98, +0000046587768,000005,000025 /
This group trailer record contains the group control total (+0000046587768) which is the algebraic sum of all account control totals in this group (49 records). The
number of accounts is five (5), reflecting the five account records (record type 03) in this group. The number of records in this group (25) which includes the 02
record, all 03, 16, 88 and 49 records and this 98 record. The slash (/) delimits the end of the logical record.
Record type: 99 File Trailer

The file trailer record provides file control totals. All fields are required
Field #
Field Name
Field Description
Position
Length
Type
Sample
Record code
99
01-02
Numeric
99
Delimiter
03-03
Alphanumeric
File control total
Algebraic sum of all group control totals in this file. This field
includes the + or - for the total. If no sign precedes total, the
default is positive. Total all 98 records.
04-17
14
Numeric
+00000465877
68
Delimiter
18-18
Alphanumeric
Number of groups
Integer. The total number of 02 records in this file.
19-24
Numeric
000001
Delimiter
25-25
Alphanumeric
Number of records
Integer. The total number of all codes in this file, including

continuation records, headers and trailers (and including this 99
record).
26-31
Numeric
000027
Delimiter
32-32
Alphanumeric
Sample 99 record:
99,+0000046587768,000001,000027/
This file trailer record contains the file control total (+0000046587768) which is the algebraic sum of all group control totals in this file. The number of groups
(000001), reflecting the 02 records in this file. The number of records (27) is the total numbers of records in this file, including this 99 record. The slash (/) delimits

BAI Layout Reference Guide RBC

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BALANCE

All records have a physical record length of 80 bytes.

Fields are delimited by a comma (,)

If a field is signed, the sign always precedes the value.

Record type 01: File Header

Originator/Transmitter of file (Sender Bank & Transit)

Identifies receiver of file. (RBC uses SRF #)

File Creation Date

Date sender created file; YYMMDD format

File Creation Time

Time of day sender created file; (Military format 2400)

File Identification Number

Sender determined identification number. The number must be

Physical Record Length

Number of characters in a physical record. Default is variable

BAI version number. This is a hard coded number.

End of logical record

Record type 02: Group Header

Final receiver of this group of data. (RBC uses SRF number)

Originator (Sender Bank+ sender Transit)

Date for which reported information is current.

Time of day in originator time zone, for which information is

The currency code is either CAD or USD

As-of-date modifier is used to identify final , previous day data

End of logical record

Customer Account Number

Customer account number at originator financial institution. The

The currency code is either CAD or USD

Identifies the type of summary or status data. Opening Ledger

Expressed without a decimal. The currency code will determine

Identifies the type of summary or status data. Closing Ledger

Expressed without a decimal. The currency code will determine

End of logical record

Record type: 88 Continuation of previous 03 record

100 for Summary Total Credits 100

Amount for type 100 Summary Total Credits

Integer field. For Summary type codes only. Total number of

400 for Summary Total Debits 400

Amount for type 400 Summary Total Debits

Integer field. For summary codes only. Total number of debits.

End of logical record

Record type: 88 Continuation of previous 03 record

270 Total Zero Balance account credit code

Zero Balance account credit amount

Integer field. Total number of credits.

For Summary type codes only.

570 Total Zero Balance account debit code

Zero Balance account debit amount

Integer field. Total number of debits.

For Summary type codes only.

Record type: 16 Transaction Detail record

Identifies the type of detail data. (Transaction type code)

Always positive unsigned. Expressed without a decimal

V for value dated. Hard coded

Date funds available to customer.

End of logical record

Record type: 88 Continuation of previous 16 record

Bank reference number

Optional Alphanumeric field defined by the originator.

Optional alphanumeric field defined by the originator.

Alphanumeric field defined by the originator

Alphanumeric field defined by the originator

End of logical record.