Cash Management & eBanking January 2014

SEPA Country-Specific Information Slovenia

Contents

INTRODUCTION 3 END-DATE INFORMATION 3 IBAN CONVERSION SERVICE 3 SEPA PRODUCTS 4 SEPA CREDITOR IDENTIFIER (CI) 4 SEPA FORMATS 4 CHANNELS AND CUT-OFF TIMES 5 VALUE-ADDED SERVICES 6

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INTRODUCTION

This document provides an overview of all country-specific information you need in order to successfully overcome the challenges of SEPA and achieve a seamless migration. Being properly informed and equipped with the necessary tools, you will be able to fully realise all the potential the new SEPA instruments will bring.

END-DATE INFORMATION

Slovenia has been already fully SEPA compliant since 1 January 2013. Until that date we reached several milestones, as mentioned below:

END-DATE INFORMATION

The end date was set for 31 January 2014 based on the EU regulation 260/2012. The amendment for an additional transition period until 31 July 2014 was approved by the EU authorities. The related impact on national products is linked to the end-date information. For more information please refer to the link below.* IBAN account type implementation 1 January 2004 SEPA cross-border credit transfers 28 January 2008 SEPA domestic credit transfers 31 July 2009 Standard Payment Form (UPN) 1 November 2010 SEPA Direct Debit CORE Migration end 1 January 2013 SEPA Direct Debit B2B Implementation 1 January 2013

IBAN CONVERSION SERVICE

Since the EUR implementation – 1 January 2007 – all accounts are using the IBAN structure.

IBAN structure In Slovenia the IBAN is composed of 19 characters structured as follows Positions 1 – 2: ISO country code (SI for Slovenia) Positions 3 – 4: IBAN account check digits (always “56” for the Slovenian IBAN) Positions 5 – 6: Bank identifier (“29” for UniCredit Bank Slovenia d.d.) Positions 7 – 9: Branch identifier (optional) Characters 10 – 17: Customer account number Characters 18 – 19: Customer account check digits

A full list of Slovenian banks with their belonging BIC codes can be found at the following website: www.bsi.si/library/includes/datoteka.asp?DatotekaId=4771

* http://www.ecb.europa.eu/paym/sepa/pdf/countries/sl_sepa_migration_fact_sheet.pdf?da12dcbf95206067fd6625798466c213

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SEPA PRODUCTS

Domestic and cross-border products: SEPA domestic and cross-border credit transfers SEPA bulk domestic credit transfers SEPA direct debits CORE scheme SEPA direct debits B2B scheme

Since 1 January 2013 Slovenia is a fully SEPA-compliant country. The Local Clearing House for domestic payments accepts only SEPA Credit Transfers and Direct Debits. Although Slovenian clearing uses SEPA payments, commercial banks still convert and/or enrich payments received in different local formats.

All banks in Slovenia are able to offer to their clients at least: Sending and receiving of SEPA Credit Transfers Passive readiness for SEPA Direct Debits CORE scheme.

Being ready for active SEPA Direct Debits CORE and B2B is a business decision of each commercial bank on the market. The list of products available per bank is accessible via the EPC Register of Participants within the SEPA Payment Schemes: http://epc.cbnet.info/content/adherence_database.

SEPA CREDITOR IDENTIFIER (CI)

CI for Slovenia CI for Slovenia consists of 15 characters, structured as follows: Positions 1 – 2: ISO country code (SI for Slovenia) Positions 3 – 4: Check digits based on ISO 7064 MOD 97-10 Positions 5 – 7: Creditor Business Code (to be assigned by the creditor, by default “ZZZ”) Characters 8 – 15: Creditor Tax number (the last number is a check digit)

How to obtain a Creditor Identifier A Slovenian CI can be obtained based on the agreement between the creditor and the commercial bank (any bank providing SEPA Direct Debits). The prerequisite for CI allocation is that the creditor already has a Slovenian tax number allocated.

SEPA FORMATS

Country-specific formats Country formats are based on ISO20022. The Slovenian Bank Association has developed a specific XML format named ZBS XML 2.2 in order to fulfill the needs of Slovenian companies. Nevertheless, ISO20022 – as per the latest SEPA Rulebook – is the most widely spread data format in Slovenia.

XML based formats – Availability at UniCredit Bank Slovenia UniCredit Bank Slovenia offers two electronic banking solutions: BusinessNet: UniCredit’s proprietary web based solution E-Banka: local Slovenian electronic bank stand-alone solution, provided by Halcom d.d.

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XML BASED FORMATS – UNICREDIT BANK SLOVENIA

ISO version acceptance

XML urgent pain.001

pain.001 pain.002 pain.008 camt.052 camt.053 camt.054 camt.086

Halcom’s E-bank Pain.001.001.03 Pain.001.001.02

Yes Yes No Yes Yes Yes Yes No

BusinessNet Pain.001.001.03 Pain.001.001.02

Yes Yes No Yes No No No No

Remittance information Both structured and unstructured remittance information are allowed, but structured information is recommended based on the established unified creditor reference number. Creditor’s reference and payment purpose are specified in “RmtInf” XML block in one of the following ways, depending on whether creditor’s reference is given, what type of reference it belongs to and whether the purpose is provided in an XML or non-XML format:

Only a non-XML purpose is given: if creditor’s reference is provided merely as a non-XML purpose, then creditor’s reference or purpose is specified in the “Ustrd” XML block for unstructured (non-XML) forms of purpose. This form is always used for legacy FPS orders.

Both creditor’s reference and purpose are given: creditor’s reference and purpose are specified inside the “Strd” block for structured purpose and reference information, where creditor’s reference is included in the “CdtrRefInf” XML block, and the payment purpose in the “AddtlRmtInf” XML block.

In case creditor’s reference is a: Slovenian reference (reference of type “SI”) – It is then stated in the structured format »SI<model><reference>« (e.g.

“SI002011-10-11”), where the “SI” codes marks it as a Slovenian creditor’s reference, <model> is a 2-digit model, while <reference> is a reference,

“RF” creditor’s reference – It is prescribed by ISO 11649:2009(E) and by the Rules for creation and use of standardised references at conduction of payment services.

CHANNELS AND CUT-OFF TIMES

CHANNELS FOR SEPA PAYMENT INITIATION

Electronic banking solution

Host-to-host Paper-based Single payment Bulk payments (electronic files)

SCT B2B/ Core

SCT B2B/ Core

SCT B2B/ Core

Availability BusinessNet E-bank

ConnectDirect, Halcom B2B connectivity

Yes No Yes Yes Yes Yes

CUT-OFF TIMES

SEPA Credit Transfer – Domestic

SEPA Credit Transfer – Cross-border

SDD Core SDD B2B

COT 3 p.m. CET 1 p.m. CET 3 p.m. CET 3 p.m. CET Presentation day Same day Same day First: D-6

Recurrent: D-3 D-2

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VALUE-ADDED SERVICES

SEPA credit transfers/direct debits SEPA Credit transfers: All domestic payments are executed at D+0. Our local payment clearing system offers 5 clearing cycles during the day (from 8.00 a.m. CET till 4.30 p.m. CET). Urgent payments and payments above EUR 50,000 are processed immediately within the same working day (via Target2).

SEPA Direct Debits: The value date of direct debits can be changed to the first available bank value date in case of late presentation.

Standardised UPN paper form with OCR line As of 1 November 2010, a new form for the universal payment order (UPN) has been implemented as a standardised form that facilitates making payment transactions and preserves all the advantages of the payment forms used until that date: the special payment order (PP02 form), the payment order (BN02 form) and the regulated cross-border payment order (RP01 form). The UPN form complies with all SEPA requirements for carrying out payments.

Support of different category purposes (e.g. “SALA” for salary payments)

SEPA Bridge If the beneficiary bank is not yet SEPA-ready we try to perform the conversion to the next possible product/format.

SEPA direct debits booking on the settlement date We are able to offer our clients the functionality to perform the booking on the settlement date – all R-messages are excluded from the reporting statements and only successfully single booked transactions are visible on the account statement.

Different types of SEPA direct debit settlement booking All successfully booked transactions – as single transactions and all R-messages sent on the settlement date – are

available on the account statement All successfully booked transactions – as bulk transactions and all R-messages sent on the settlement date – are

available in the account statement All successfully booked transactions – as single transactions without R-messages sent before/on the settlement date – are

available in the account statement.

Testing services Creating a “Test system” for end-to-end testing File Check: XML-scheme checks based on ISO-Format Test reports including the results shown in the format tree End-to-end-test in the production environment Connectivity test Electronic Banking Sample files for all relevant message types Support to establish SEPA mandate flow

More information on different SEPA topics, including the “Country-Specific Information” Guides, can be found on our website www.gtb.unicredit.eu. UniCredit Bank Slovenia’s own dedicated website also provides comprehensive, related information: http://www.unicreditbank.si/en/Corporate_banking/Cash_Management .

UniCredit Bank AG Corporate & Investment Banking www.unicredit.eu Cash Management & eBanking Am Tucherpark 1 D-80538 Munich

Disclaimer The products and services featured above are offered by a network of banks and representative offices of UniCredit S.p.A. or its affiliates (the “UniCredit Group”) in accordance with appropriate local legislation and regulation. UniCredit Corporate & Investment Banking is a trademark of UniCredit S.p.A. Nothing in this publication is intended to create contractual obligations on any of the entities composing Corporate & Investment Banking Area of UniCredit Group which is composed of (the respective Units of) UniCredit Bank AG, Munich, UniCredit Bank Austria AG, Vienna, and UniCredit S.p.A., Rome. UniCredit Bank AG is regulated by the German Financial Supervisory Authority (BaFin), UniCredit Bank Austria AG is regulated by the Austrian Financial Market Authority (FMA) and UniCredit S.p.A. is regulated by both the Banca d’Italia and the Commissione Nazionale per le Societa e la Borsa (Consob).