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 Code	Record Name	Purpose
01	File Header	Begins 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.
02	Group Header	Begins 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.
03	Account Identifier and Summary	Begins 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.
16	Transaction Details	Within Account. This record is used for transmission of detail transaction information. Transaction detail may include two reference numbers and a free-form alphanumeric text.
88	Continuation	A 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.
49	Account Trailer	Ends Account. The Account Trailer record provides account control totals.
98	Group Trailer	Ends Group. This record provides group control totals.
99	File Trailer	Ends File. This record provides file control totals.

Record Formats

01-File Header

Field Name	Field Description
Record Code	01
Sender Identification	Transmitter of file. Alphanumeric.
Receiver Identification	Next recipient of file. Alphanumeric.
File Creation Date	YYMMDD format; sender date.
File Creation Time	Military 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 Number	Identification 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 length	Optional. Number of characters in a physical record. Default is variable length records.
Block Size	Optional. Number of physical records in a block. Default is variable block size.
Version Number	2

• Comma(,) delimits fields.
• Slash(/) delimits the end of the record.
• Sample Record:

01,122099999,123456789,040621,0200,1,55,,2/

02-File Header

Field Name	Field Description
Record Code	02
Ultimate Receiver Identification	Optional. Final receiver of this group of data. Alphanumeric.
Originator Identification	Originator. Alphanumeric.
Group Status	1 = Update 2 = Deletion 3 = Correction 4 = Test Only See “Group Status Codes” for definitions.
As-of-Date	YYMMDD; Originator date.
As-of-Time	Optional. 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 Code	Optional. Default is currency code “USD.” See Appendix B for currency codes.
As-of-Date Modifier	Optional. 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 Name	Field Description
Record Code	03
Customer Account Number	Customer account number at originator financial institution. The field is alphanumeric and includes significant leading zeroes. Must not contain a comma “,” or slash “/”.
Currency Code	Optional. Default is group currency code.
*Type Code	Optional. 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
Amount	Optional. 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 Count	Optional. Integer field. Default is “unknown.” For summary type codes only; must be defaulted for Status type codes. No implied decimal.
Fund Types	Optional. 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 Name	Field Description
Record Type	16
Type Code	Identified the type of detail data.
Amount	Optional. 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 Types	Optional. 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 Number	Optional. 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 Number	Optional. 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.
Text	Optional 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 Name	Field Description
Record Code	88
(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 Name	Field Description
Record Code	49
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. 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 Records	Integer. 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 Name	Field Description
Record Code	98
Group Control Total	Algebraic 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 Accounts	Integer. The number of 03 records in this group.
Number of Records	Integer. 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 Name	File Description
Record Code	99
File Control Total	Algebraic 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 Groups	Number of 02 records in this file
Number of Records	Total 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