BAI file Format : Electronic Bank Statement

Bank generates bank statement in many formats as per their customers requirement. Once such format is BAI, which stands for Bank Administration Institute.

The BAI format is used for Cash Management Balancing Report. It is different from BAI2 format.

BAI Record Description

Record CodeRecord NamePurpose
01File HeaderBegins File. 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.
02Group HeaderBegins Group. The group header identifies a group of accounts that
are from the same originator and includes the same
as-of-date and as-of-time.
03Account Identifier and SummaryBegins Account. 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.
16Transaction DetailsWithin Account. This record is used for transmission of detail
transaction information. Transaction detail may
include two reference numbers and a free-form
alphanumeric text.
88ContinuationA Continuation record is used when data exceed the
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.
49Account TrailerEnds Account. The Account Trailer record provides account control
totals.
98Group TrailerEnds Group. This record provides group control totals.
99File TrailerEnds File. This record provides file control totals.

Record Formats

01-File Header

Field NameField Description
Record Code01
Sender Identification Transmitter of file. Alphanumeric.
Receiver Identification Next recipient of file. Alphanumeric.
File Creation DateYYMMDD format; sender date.
File Creation TimeMilitary format (2400); sender time zone
Times are stated in military format (0000 through 2400). 0000 indicates the beginning of the day and 2400 indicates the end of the day for the date indicated. Some processors use 9999 to indicate the end of the day. Be prepared to recognize 9999 as end-of-day when receiving transmissions.
File Identification NumberIdentification number defined by the sender. The number must be new for each file with the same file creation date. Used to uniquely identify those files transmitted between a sender and a receiver on a given date.
Physical Record lengthOptional. Number of characters in a physical record. Default is variable length records.
Block SizeOptional. Number of physical records in a block. Default is variable block size.
Version Number2
  • Comma(,) delimits fields.
  • Slash(/) delimits the end of the record.
  • Sample Record:
01,122099999,123456789,040621,0200,1,55,,2/

02-File Header

Field NameField Description
Record Code02
Ultimate Receiver IdentificationOptional. Final receiver of this group of data. Alphanumeric.
Originator IdentificationOriginator. Alphanumeric.
Group Status1 = Update
2 = Deletion
3 = Correction
4 = Test Only
See “Group Status Codes” for definitions.
As-of-DateYYMMDD; Originator date.
As-of-TimeOptional. Military format (2400); originator time zone. For reference only.
Times are stated in military format (0000 through 2400). 0000 indicates the beginning of the day and 2400 indicates the end of the day for the date indicated. Some processors use 9999 to indicate the end of the day. Be prepared to recognize 9999 as end-of-day when receiving transmissions.
Currency CodeOptional. Default is currency code “USD.” See Appendix B for
currency codes.
As-of-Date ModifierOptional.
1 = Interim previous-day data
2 = Final previous-day data
3 = Interim same-day data
4 = Final same-day data
As-of-Date Modifier does not affect processing. For reference only.

Sample 02 Record

02,031001234,122099999,1,040620,2359,,2/

03 – ACCOUNT IDENTIFIER and Summary Status

Field NameField Description
Record Code03
Customer Account NumberCustomer account number at originator financial institution. The field is alphanumeric and includes significant leading zeroes. Must not contain a comma “,” or slash “/”.
Currency CodeOptional. Default is group currency code.
*Type CodeOptional. Identifies the type of summary or status data. See Appendix
A for type codes. Default indicates that no status or summary data are
being reported
AmountOptional. Expressed without a decimal. The currency code will
determine the implied decimal. Status amounts are signed positive “+” or negative “-”. Default of sign is positive. Summary amounts may only be positive or unsigned. Default of field indicates that no amount is being reported.
Item CountOptional. Integer field. Default is “unknown.” For summary type codes only; must be defaulted for Status type codes. No implied decimal.
Fund TypesOptional. Types are
0 = immediate availability (zero)
1 = one-day availability
2 = two-or-more days availability
S = distributed availability
V = value dated
D = distributed availability
**Funds Type (continued)Do not use prior value dates to adjust availability.

Sample 03 Record

03,0975312468,,010,500000,,,190,70000000,4,0/

16 – TRANSACTION DETAILS

Field NameField Description
Record Type16
Type CodeIdentified the type of detail data.
AmountOptional. Always positive (unsigned). Expressed without a decimal. Currency code in a Group Header record or in an Account Identifier
record determines implied decimal. Default indicates that no amount is being reported.
Fund TypesOptional. Types are as follows:
0 = immediate availability (zero)
1 = one-day availability
2 = two-or-more-days availability
S = distributed availability
V = value dated
D = distributed availability
Z = unknown (default)
Bank Reference NumberOptional. Alphanumeric field defined by the originator. Must not
contain a comma “,” or a slash “/”. The length of the Bank Reference Number is not limited. However, the use of reference numbers over 76 characters in length is highly discouraged because many processors use 80 character records
Customer Reference NumberOptional. Alphanumeric field defined by the originator. Must not
contain a comma “,” or a slash “/”. The length of the Customer
Reference Number is not limited. However, the use of reference
numbers over 76 characters in length is highly discouraged because many processors use 80 character records. The Customer Reference Number will be the check number for the Transaction Detail type codes 474, 475 and 395.
TextOptional alphanumeric field defined by the originator. Must not begin with a slash “/”, but may contain a comma “,” or a slash “/” after the first character.

Sample 16 Records

16,165,1500000,1,DD1620,, DEALER PAYMENTS
88 – CONTINUATION RECORD
Field NameField Description
Record Code88
(Next Field)The “Record Code” field is followed by a continuation of the preceding record. The format is exactly the same as in the preceding record. If the preceding record ended within a text field, the text continues in the 88 record. If the preceding record did not end within the text field, the 88 record continues with whatever field follows the final field in the preceding physical record. Do not split nontext fields between records. If a nontext field is begun in one record, it must be completed in that record. The following 88 record may continue with the next field.

Sample 88 Records

16,115,10000000,S,5000000,4000000,1000000/
88,AX13612,B096132,AMALGAMATED CORP. LOCKBOX
88,DEPOSIT-MISC. RECEIVABLES

49 – ACCOUNT TRAILER

Field NameField Description
Record Code49
Account Control TotalAlgebraic sum of all “Amount” fields in the preceding type 03 record and all type 16 and 88 records associated with that account. The total does not include amounts reported in Funds Type or Item Count fields. This field includes the sign “+” or “-” for the total. If no sign precedes the total, the default is positive.
Number of RecordsInteger. The total number of records in the account, including the 03 record and all 16 and 88 records, and including this account trailer 49 record.

Sample 49 Record

49,18650000,3/

98 – GROUP TRAILER

Field NameField Description
Record Code98
Group Control TotalAlgebraic sum of account control totals in this group. This field includes the sign (“+” or “-”) for the total. If no sign precedes the total, the default is positive.
Number of AccountsInteger. The number of 03 records in this group.
Number of RecordsInteger. The total number of all records in this group. Include the 02, all 03, 16, 49, and 88 records, and this 98 record.

Sample 98 Record

98,11800000,2,6/

99 – FILE TRAILER

Field NameFile Description
Record Code99
File Control TotalAlgebraic sum of all group control totals in this file. This field includes the sign (“+” or “-”) for the total. If no sign precedes the total, the default is positive.
Number of GroupsNumber of 02 records in this file
Number of RecordsTotal number of records of all codes in the file, including Continuation records, headers and trailers (and including this 99 record); exclude any device-oriented records, JCL, tape marks, and so on.

Sample 99 Records

99,1215450000,4,36/

Sample BAI File Format

01,122099999,123456789,040621,0200,1,65,,2/
02,031001234,122099999,1,040620,2359,,2/
03,0123456789,,010,+4350000,,,040,2830000,,/
88,072,1020000,,,074,500000,,/
16,,115,450000,S,100000,200000,150000,,,/
49,9150000,4/
03,9876543210,,010,-500000,,,100,1000000,,,400,2000000,,,190/
88,500000,,,110,1000000,,,072,500000,,,074,500000,,,040/
88,-1500000,,/
16,115,500000,S,,200000,300000,,,LOCK BOX NO.68751
49,4000000,5/
98,13150000,2,11/
02,053003456,122099999,1,040620,2359,,2/
03,4589761203,,010,10000000,,,040,5000000,,,074,4000000,,/
88,400,50000000,,,100,60000000,,,110,20000000,,,072,1000000,,/
16,218,20000000,V,040622,,SP4738,YRC065321/
88,PROCEEDS OF LETTER OF CREDIT FROM THE ARAMCO OIL CO
16,195,10000000,1,,,/
49,180000000,6/
98,180000000,1,8/
02,071207890,122099999,1,040620,2359,,2/
03,0975312468,,010,500000,,,190,70000000,4,0,110/
88,70000000,15,D,3,0,20000000,1,30000000,3,20000000/
49,140500000,3/
98,140500000,1,5/
02,071207890,122099999,3,040620,2359,,2/
03,7890654321,,010,800000,,,040,6000000,,,110,5000000/
88,4,/
49,11800000,3/
98,11800000,1,5/
99,345450000,4,31

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1 Response

  1. 26th February 2021

    […] You an fine more about BAI bank statement file in this link. […]

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