What is the reporting obligation of a Bank?
Banks should report Large Cash Transaction Reports (LCTRs) and Suspicious Transaction Reports (STRs) to FinTRACA.
How should an LCTR be reported?
The banks can manually file LCTRs by using the LCTR form. The form can be downloaded the LCTR reporting from www.fintraca.gov.af
What is required if I want to generate LCTRs automatically from our Core Banking system?
If a bank wants to generate LCTR automatically, they must use the LCTR XML Schema. The XML schema can be downloaded from www.fintraca.gov.af.
How should I encrypt my reports before sending?
The LCTRs should be encrypted with PGP before sending. FinTRACA uses asymmetric (public key) encryption method to secure incoming emails. The public key for FinTRACA is available at www.fintraca.gov.af. The banks must use this key to encrypt their reports and then send the reports to email@example.com.
What should be included on the “Subject” line of reports sent via email?
The Subject line should contain the characters “LCTR” (without the quotes) and nothing else.
How should submitted LCTR report files be named? How the LCTR file naming convention according to regulation works?
From the regulation as published at
Report file names shall adhere to the following naming convention: three character
identification code for reporting entity + ‘_’ + Gregorian date of report submission in
yyyy-mm-dd format + ‘_’ + sequence number beginning with ‘1’ for multiple reports
submitted in a single day + ‘.xml’ extension. For example, a report submitted by Da
Afghanistan Bank on 5 December 2006 might be named as DAB_2006_12_05_1.xml
What shall we provide for the Reporting Entity Identification (ID) field?
DAB issues a five-digit identification number to commercial banks as part of the licensing process. Use this number.
Why was my report rejected although my reporting entity ID is correct?
If a space is typed before your ID, Microsoft InfoPath will not show this space in the form although the space exists. For example ‘ 12345’. The solution is to remove the ID using the backspace and retype the ID.
How shall we identify individual reports?
Reporting entities must uniquely identify the reports using an identifier that meets the following requirements:
Report identifier formatted as 15 alpha-numeric characters (i.e. 0-9, A-Z) left padded with
The burden for uniqueness is placed upon the reporting entity.
In the “Transaction” section under Transactions Series Cumulatively Exceeding Threshold, what do “False” and “True” mean?
If a series of transactions cumulatively exceed the reporting threshold then “True” must be selected. If it’s a single transaction then “False” must be selected.
In Transaction Participant, what do “Principle”, “Proxy” and “Beneficiary” mean?
A “Principle” is one who conducts the transaction on his own behalf. A “Proxy” is one who conducts a transaction on behalf of a third person. A “Beneficiary” is one on whose behalf a transaction is being conducted.
What does “Transaction Account” mean?
The “Transaction Account” is the account that is owned by the reported account owner(s) and used by the bank to clear the transaction that is the subject of the report.
How do I report a Cash Deposit?
In transactions such as a Cash Deposit or Cash Withdrawal which involves only one person, the person will act as the “Principle” as well as the “Beneficiary”. So in the Participant section the same persons information will be filed and one Participant’s Role selected as “Principle” and the second participant’s role selected as “Beneficiary”
How do I report an Outbound International Transfer?
The Transaction type should be selected as “Outbound International Transfer”. The role of the customer sending funds should be selected “Principle” and their address selected as “Afghan Address”. The entity’s role receiving the funds aboard should be selected “Beneficiary” and their address selected as “International Address”
An Inbound International Transfer will be the inverse of the above.
How do I report an in-bank account to account Transfer?
The Transaction type should be selected as “Letter Transfer” however care should be taken that the role of the party sending the fund should be “Principle” and the party receiving the funds should be selected as “Beneficiary”
Please note that in the above case two accounts are involved. Both of these accounts must be listed in the “Transaction Accounts” section and the owner of the accounts identified as well.
How to I report a transaction from my bank to another local Bank?
The transaction type must be selected as “Outbound National Transfer” and the customer of your bank who is the sender of funds will be filed as “Principle” and the receiver of the funds in the corresponding bank will be the “Beneficiary”
An “Inbound National Transfer” will be the inverse of the above.