Balance Types - Description and Classification

The list below represents various balance types that categorize and track different balance components within an account. At a high level, an account may contain multiple plans—such as Retail Plan, Cash Plan, and IPP (Installment Payment Plan) each with its own set of financial components. Some categories with examples are listed below. Refer to the table for details


Name Code Description
Cash LoanCASH_LOANPrincipal amount of cash plan
Cash PlanCASH_PLANFees, interest, cash IPP loan amount of cash plan
Cash Plan and IPP Cash (Am.Avail.)CASH_PLAN-IPP_CASH-AVCash available limit
Charges OutstandingCHARGES_OUTSTANDINGSum of all charges like fees, VAT, interests.
Deposit BalanceDEPOSITPayment amount
Direct DebitDIRECT_DEBITDirect debit amount
DueDUECurrent Due - Delinquency Level 1
Full Payment Condition (Interest Free Amount)FULL_PAYMENTQualifying amount to avoid the charges on the account
Insurance Billed LastINS_BIL_LASTInsurance billed in the last cycle
Insurance Billed PrevINS_BIL_PREVInsurance billed previous to the last cycle
IPP Billed LastIPP_BIL_LASTIPP billed in the last cycle
IPP Billed PrevIPP_BIL_PREVIPP billed previous to the last cycle
IPP-Cash (Am.Avail.)IPP_CASH-AVIPP cash balance (that impacts the available amount)
IPP-Cash - Interest - UnbilledIPP_CASH-INT-UNBUnbilled interest on IPP cash
IPP-Cash - Loan - UnbilledIPP_CASH-LOAN-UNBUnbilled principle on IPP cash
IPP-Cash - Loan - Unbilled (Am.Avail.)IPP_CASH-LOAN-UNB-AVUnbilled principle on IPP cash (that impacts the available amount)
IPP-Cash - Loan - Unbilled (Not Am.Avail.)IPP_CASH-LOAN-UNB-NAVUnbilled principle on IPP cash (that doesn't impacts the available amount)
IPP-Retail - Interest - UnbilledIPP_RET-INT-UNBUnbilled interest on IPP retail
IPP-Retail - Loan - UnbilledIPP_RET-LOAN-UNBUnbilled principal on IPP retail
IPP-Retail - Loan - Unbilled (Am.Avail.)IPP_RET-LOAN-UNB-AVUnbilled principal on IPP retail (that impacts the available amount)
IPP-Retail - Loan - Unbilled (Not Am.Avail.)IPP_RET-LOAN-UNB-NAVUnbilled principal on IPP retail (that doesn't impact the available amount)
IPP-Retail RO PlanIPP_RET-RO_PLANIPP retail RO plan balance
IPP - Interest - UnbilledIPP-INT-UNBUnbilled interest on IPP
IPP - Loan - UnbilledIPP-LOAN-UNBUnbilled principle on IPP
Loan BilledLOAN_BILSum of cash and retail principal (including billed last and previous)
Loan Billed LastLOAN_BIL_LASTSum of cash and retail principal which are billed in last cycle.
Loan Billed PrevLOAN_BIL_PREVSum of cash and retail principal which are billed previous to last cycle.
Loyalty Points Program Cum. 51LTY_BAL_C51Points balance in C51 program in PN2 or currency as per setup.
Loyalty Points Program Cum. 52LTY_BAL_C52Same for C52
Loyalty Points Program Cum. 53LTY_BAL_C53Same for C53
Loyalty Points Program Cum. 54LTY_BAL_C54Same for C54
Loyalty Points Program Cum. 55LTY_BAL_C55Same for C55
Loyalty Points Program Cum. 56LTY_BAL_C56Same for C56
Loyalty Points Program Cum. 57LTY_BAL_C57Same for C57
Loyalty Points Program Cum. 58LTY_BAL_C58Same for C58
Loyalty Points Program Cum. 59LTY_BAL_C59Same for C59
Loyalty Points Expired Program Cum. 51LTY_BAL_EXP_C51Points balance expired in C51 program
Loyalty Points Expired Program Cum. 52LTY_BAL_EXP_C52Same for C52
Loyalty Points Expired Program Cum. 53LTY_BAL_EXP_C53Same for C53
Loyalty Points Expired Program Cum. 54LTY_BAL_EXP_C54Same for C54
Loyalty Points Expired Program Cum. 55LTY_BAL_EXP_C55Same for C55
Loyalty Points Expired Program Cum. 56LTY_BAL_EXP_C56Same for C56
Loyalty Points Expired Program Cum. 57LTY_BAL_EXP_C57Same for C57
Loyalty Points Expired Program Cum. 58LTY_BAL_EXP_C58Same for C58
Loyalty Points Expired Program Cum. 59LTY_BAL_EXP_C59Same for C59
Loyalty Points Expired Program 01LTY_BAL_EXP_P01Points balance expired in 01 program
Loyalty Points Expired Program 02LTY_BAL_EXP_P02Same for 02
Loyalty Points Expired Program 03LTY_BAL_EXP_P03Same for 03
Loyalty Points Expired Program 04LTY_BAL_EXP_P04Same for 04
Loyalty Points Expired Program 05LTY_BAL_EXP_P05Same for 05
Loyalty Points Program 01LTY_BAL_P01Points balance in 01 program in PN2 or currency as per setup
Loyalty Points Program 02LTY_BAL_P02Same for 02
Loyalty Points Program 03LTY_BAL_P03Same for 03
Loyalty Points Program 04LTY_BAL_P04Same for 04
Loyalty Points Program 05LTY_BAL_P05Same for 05
Loyalty Points TotalLTY_BAL_TOTTotal loyalty program balance in PN2 or currency as per setup
Loyalty Turnover Program Cum. 51LTY_TURN_BAL_C51Sum total of transaction amount eligible for C51 in the cycle.
Loyalty Turnover Program Cum. 52LTY_TURN_BAL_C52Same for C52
Loyalty Turnover Program Cum. 53LTY_TURN_BAL_C53Same for C53
Loyalty Turnover Program Cum. 54LTY_TURN_BAL_C54Same for C54
Loyalty Turnover Program Cum. 55LTY_TURN_BAL_C55Same for C55
Loyalty Turnover Program Cum. 56LTY_TURN_BAL_C56Same for C56
Loyalty Turnover Program Cum. 57LTY_TURN_BAL_C57Same for C57
Loyalty Turnover Program Cum. 58LTY_TURN_BAL_C58Same for C58
Loyalty Turnover Program Cum. 59LTY_TURN_BAL_C59Same for C59
Loyalty Turnover TotalLTY_TURN_BAL_TOTtotal transaction amount eligible for points accrual in the cycle
Non-IPPNON_IPPNon IPP balance means retail, cash, VAT balances.
Normal PlansNORMAL_PLANSNormal plans excluding IPP balance.
Normal Plans Fees&Int. Billed LastNP_FEE_INT_BIL_LASTFees and interest for non IPP plans billed in the last cycle
Normal Plans Fees&Int. Billed PrevNP_FEE_INT_BIL_PREVFees and interest for non IPP plans billed previous to the last cycle
Normal Plans Insurance Billed LastNP_INS_BIL_LASTInsurance for non IPP plans billed in the last cycle
Normal Plans Insurance Billed PrevNP_INS_BIL_PREVInsurance for non IPP plans billed previous to the last cycle
Normal Plans Interest Billed LastNP_INT_BIL_LASTInterest for non IPP plans billed in the last cycle
Normal Plans Interest Billed PrevNP_INT_BIL_PREVInterest for non IPP plans billed previous to the last cycle
OVD_01OVD_01Past Due - Delinquency Level 2
OVD_02OVD_02Past Due - Delinquency Level 3
OVD_03OVD_03Past Due - Delinquency Level 4
OVD_04OVD_04Past Due - Delinquency Level 5
OVD_05OVD_05Past Due - Delinquency Level 6
OVD_06OVD_06Past Due - Delinquency Level 7
OVD_07OVD_07Past Due - Delinquency Level 8
OVD_08OVD_08Past Due - Delinquency Level 9
Past DuePAST_DUESum of all overdue amounts
Principal OutstandingPRINCIPAL_OUTSTANDINGPrincipal outstanding amount
Repayable BalanceREPAYABLEBalance excluding unbilled IPP, includes current cycle balance.
Retail PlanRETAIL_PLANRetail plan balance
Statement BalanceSTMT_BALANCEStatement balance to be paid by customer to avoid the charges.
Membership Fees BilledSTMT_MFAnnual membership fee billed
Membership Fees Billed LastSTMT_MF_LASTAnnual membership fee billed in the last cycle
Membership Fees Billed PrevSTMT_MF_PREVAnnual membership fee billed previous to the last cycle
Total BalanceTOTAL_BALANCEIncludes all the buckets participating in the OTB. (includes CL deposit)
Total DueTOTAL_DUESum of current due and past due amounts to be paid by customer to become non-delinquent account holder.
Total OutstandingTOTAL_OUTSTANDINGIncludes "Total Balance" plus balances that doesn't impact the available amount (if exist). (doesn't include CL deposit)
VAT Billed LastVAT_BIL_LASTVAT amount billed in the last cycle
VAT Billed PrevVAT_BIL_PREVVAT amount billed previous to the last cycle
VAT PlanVAT_PLANVAT amount total
CTD Client Dr CashCTD_CASHCycle to date cash amount (client initiated transactions, no fees & interest)
CTD Charges TotalCTD_CHARGES_TOTALCycle to date total charges
CTD Client Cr TotalCTD_CL_CR_TOTALCycle to date credit total (client initiated transactions, no fees & interest)
CTD Client Dr TotalCTD_CL_DR_TOTALCycle to date debit total (client initiated transactions, no fees & interest)
CTD Fees - Additional2CTD_FEE_ADD2Cycle to date additional fees2 total (separate fee transaction)
CTD Fees - AdditionalCTD_FEE_ADDITIONALCycle to date additional total (Example DCC fee, FX markup fee)
CTD Fees - Card ProductionCTD_FEE_CARDPRODCycle to date card production fee total (Example card replacement fee)
CTD Fees - InsuranceCTD_FEE_INSCycle to date insurance total
CTD Fees - Mark-upCTD_FEE_MARKUPCycle to date FX markup fee total
CTD Fees - MembershipCTD_FEE_MEMBERSHIPCycle to date membership fee total
CTD Fees - OtherCTD_FEE_OTHERCycle to date others fees total (other than the listed fees)
CTD Fees - TotalCTD_FEE_TOTALCycle to date sum of all types of fees
CTD Fees - TransactionalCTD_FEE_TRANSCycle to date transactional fee total (Cash advance fee, payment fee)
CTD Interest Charged - Accrued - CashCTD_INT_CH_ACCR_CASHCycle to date accrued interest charged on cash
CTD Interest Charged - Accrued - IPP-Retail ROCTD_INT_CH_ACCR_IPP_RET-ROCycle to date accrued interest charged on IPP-retail RO
CTD Interest Charged - Accrued - RetailCTD_INT_CH_ACCR_RETAILCycle to date accrued interest charged on retail
CTD Interest Charged - Deferred - CashCTD_INT_CH_DEF_CASHCycle to date deferred interest charged on cash
CTD Interest Charged - Deferred - IPP-Retail ROCTD_INT_CH_DEF_IPP_RET-ROCycle to date deferred interest charged on IPP-retail RO
CTD Interest Charged - Deferred - RetailCTD_INT_CH_DEF_RETAILCycle to date deferred interest charged on retail
CTD Interest Charged - EMI Billed - IPP-CashCTD_INT_CH_EMI_BILLED_IPP_CASHCycle to date interest charged EMI billed IPP-cash
CTD Interest Charged - EMI Billed - IPP-RetailCTD_INT_CH_EMI_BILLED_IPP_RETCycle to date interest charged EMI billed IPP-retail
CTD Interest Charged - EMI Foreclosed - IPP-CashCTD_INT_CH_EMI_FORECL_IPP_CASHCycle to date interest charged EMI foreclosed IPP-cash
CTD Interest Charged - EMI Foreclosed - IPP-RetailCTD_INT_CH_EMI_FORECL_IPP_RETCycle to date interest charged EMI foreclosed IPP-retail
CTD Interest Charged as Off-BalanceCTD_INT_CH_OFFBALCycle to date interest charged as Off-Balance (Murabaha retained profit)
CTD Interest Charged - Plan - CashCTD_INT_CH_P_CASHCycle to date interest charged on cash plan
CTD Interest Charged - Plan - IPP-CashCTD_INT_CH_P_IPP_CASHCycle to date interest charged on IPP-cash plan
CTD Interest Charged - Plan - IPP-RetailCTD_INT_CH_P_IPP_RETCycle to date interest charged on IPP-retail plan
CTD Interest Charged - Plan - IPP-Retail ROCTD_INT_CH_P_IPP_RET-ROCycle to date interest charged on IPP-retail RO plan
CTD Interest Charged - Plan - RetailCTD_INT_CH_P_RETAILCycle to date interest charged on retail plan
CTD Interest Charged - Total - AccruedCTD_INT_CH_T_ACCRCycle to date total accrued interest charged
CTD Interest Charged - Total - DeferredCTD_INT_CH_T_DEFCycle to date total deferred interest charged
CTD Interest Charged - Total - EMICTD_INT_CH_T_EMICycle to date interest charged total EMI
CTD Interest Charged - Total AutoCTD_INT_CH_TOTAL_AUTOCycle to date interest charged total auto
CTD Interest Manual - EMICTD_INT_MAN_EMICycle to date interest manual EMI
CTD Interest Manual - Normal PlansCTD_INT_MAN_NORMALCycle to date manual interest normal plans (other than IPP)
CTD Interest Manual - TotalCTD_INT_MAN_TOTALCycle to date manual interest total
CTD Late Payment FeeCTD_LPFCycle to date late payment fee
CTD Overlimit FeeCTD_OVLCycle to date overlimit Fee
CTD Payment (PEI)CTD_PAYMENT_PEIIncludes payments only
CTD Payment Refund (PEI)CTD_PAYMENT_REFUND_PEIIncludes payment refunds
CTD Client Cr RefundCTD_REFUNDCycle to date refunds
CTD Client Dr RetailCTD_RETAILCycle to date retails
CTD Client Dr Retail NetCTD_RETAIL_NETCycle to date retails minus refunds
CTD VATCTD_VATCycle to date VATs
Loyalty Accrued CTD Program Cum. 51LTY_ACCR_CTD_C51Cycle to date accrued points in the cumulative program C51
Loyalty Accrued CTD Program Cum. 52LTY_ACCR_CTD_C52Same as above for program C52
Loyalty Accrued CTD Program Cum. 53LTY_ACCR_CTD_C53Same as above for program C53
Loyalty Accrued CTD Program Cum. 54LTY_ACCR_CTD_C54Same as above for program C54
Loyalty Accrued CTD Program Cum. 55LTY_ACCR_CTD_C55Same as above for program C55
Loyalty Accrued CTD Program Cum. 56LTY_ACCR_CTD_C56Same as above for program C56
Loyalty Accrued CTD Program Cum. 57LTY_ACCR_CTD_C57Same as above for program C57
Loyalty Accrued CTD Program Cum. 58LTY_ACCR_CTD_C58Same as above for program C58
Loyalty Accrued CTD Program Cum. 59LTY_ACCR_CTD_C59Same as above for program C59
Loyalty Accrued CTD Program Instant 31LTY_ACCR_CTD_I31Cycle to date accrued points in the program I31
Loyalty Accrued CTD Program Instant 32LTY_ACCR_CTD_I32Same as above for program I32
Loyalty Accrued CTD Program Instant 33LTY_ACCR_CTD_I33Same as above for program I33
Loyalty Accrued CTD Program Instant 34LTY_ACCR_CTD_I34Same as above for program I34
Loyalty Accrued CTD Program Instant 35LTY_ACCR_CTD_I35Same as above for program I35
Loyalty Accrued CTD Program 01LTY_ACCR_CTD_P01Cycle to date accrued points in the program P01
Loyalty Accrued CTD Program 02LTY_ACCR_CTD_P02Same as above for program P02
Loyalty Accrued CTD Program 03LTY_ACCR_CTD_P03Same as above for program P03
Loyalty Accrued CTD Program 04LTY_ACCR_CTD_P04Same as above for program P04
Loyalty Accrued CTD Program 05LTY_ACCR_CTD_P05Same as above for program P05
Loyalty Accrued CTD TotalLTY_ACCR_CTD_TOTSame as above for all program
Loyalty Accrued YTD Program Cum. 51LTY_ACCR_YTD_C51Year to date accrued points in the cumulative program C51
Loyalty Accrued YTD Program Cum. 52LTY_ACCR_YTD_C52Same as above for program C52
Loyalty Accrued YTD Program Cum. 53LTY_ACCR_YTD_C53Same as above for program C53
Loyalty Accrued YTD Program Cum. 54LTY_ACCR_YTD_C54Same as above for program C54
Loyalty Accrued YTD Program Cum. 55LTY_ACCR_YTD_C55Same as above for program C55
Loyalty Accrued YTD Program Cum. 56LTY_ACCR_YTD_C56Same as above for program C56
Loyalty Accrued YTD Program Cum. 57LTY_ACCR_YTD_C57Same as above for program C57
Loyalty Accrued YTD Program Cum. 58LTY_ACCR_YTD_C58Same as above for program C58
Loyalty Accrued YTD Program Cum. 59LTY_ACCR_YTD_C59Same as above for program C59
Loyalty Accrued YTD Program Instant 31LTY_ACCR_YTD_I31Year to date accrued points in the program I31
Loyalty Accrued YTD Program Instant 32LTY_ACCR_YTD_I32Same as above for program I32
Loyalty Accrued YTD Program Instant 33LTY_ACCR_YTD_I33Same as above for program I33
Loyalty Accrued YTD Program Instant 34LTY_ACCR_YTD_I34Same as above for program I34
Loyalty Accrued YTD Program Instant 35LTY_ACCR_YTD_I35Same as above for program I35
Loyalty Accrued YTD Program 01LTY_ACCR_YTD_P01Year to date accrued points in the program 01
Loyalty Accrued YTD Program 02LTY_ACCR_YTD_P02Same as above for program P02
Loyalty Accrued YTD Program 03LTY_ACCR_YTD_P03Same as above for program P03
Loyalty Accrued YTD Program 04LTY_ACCR_YTD_P04Same as above for program P04
Loyalty Accrued YTD Program 05LTY_ACCR_YTD_P05Same as above for program P05
Loyalty Accrued YTD TotalLTY_ACCR_YTD_TOTSame as above for all programs.
Loyalty Adjusted CTD Program Cum. 51LTY_ADJ_CTD_C51Cycle to date adjusted points in the cumulative program C51
Loyalty Adjusted CTD Program Cum. 52LTY_ADJ_CTD_C52Same as above for program C52
Loyalty Adjusted CTD Program Cum. 53LTY_ADJ_CTD_C53Same as above for program C53
Loyalty Adjusted CTD Program Cum. 54LTY_ADJ_CTD_C54Same as above for program C54
Loyalty Adjusted CTD Program Cum. 55LTY_ADJ_CTD_C55Same as above for program C55
Loyalty Adjusted CTD Program Cum. 56LTY_ADJ_CTD_C56Same as above for program C56
Loyalty Adjusted CTD Program Cum. 57LTY_ADJ_CTD_C57Same as above for program C57
Loyalty Adjusted CTD Program Cum. 58LTY_ADJ_CTD_C58Same as above for program C58
Loyalty Adjusted CTD Program Cum. 59LTY_ADJ_CTD_C59Same as above for program C59
Loyalty Adjusted CTD Program 01LTY_ADJ_CTD_P01Cycle to date adjusted points in the program 01
Loyalty Adjusted CTD Program 02LTY_ADJ_CTD_P02Same as above for program 02
Loyalty Adjusted CTD Program 03LTY_ADJ_CTD_P03Same as above for program 03
Loyalty Adjusted CTD Program 04LTY_ADJ_CTD_P04Same as above for program 04
Loyalty Adjusted CTD Program 05LTY_ADJ_CTD_P05Same as above for program 05
Loyalty Adjusted CTD TotalLTY_ADJ_CTD_TOTSame as above for all programs. Total points adjusted.
Loyalty Bonus CTDLTY_BONUS_CTDCycle to date bonus points
Loyalty Bonus YTDLTY_BONUS_YTDYear to date bonus points.
Loyalty Points Expired Credit CTD Program Cum. 51LTY_EXP_CR_CTD_C51Cycle to date expired points balance in cumulative program C51 in PN2 currency or currency defined at FI level.
Loyalty Points Expired Credit CTD Program Cum. 52LTY_EXP_CR_CTD_C52Same as above for program C52
Loyalty Points Expired Credit CTD Program Cum. 53LTY_EXP_CR_CTD_C53Same as above for program C53
Loyalty Points Expired Credit CTD Program Cum. 54LTY_EXP_CR_CTD_C54Same as above for program C54
Loyalty Points Expired Credit CTD Program Cum. 55LTY_EXP_CR_CTD_C55Same as above for program C55
Loyalty Points Expired Credit CTD Program Cum. 56LTY_EXP_CR_CTD_C56Same as above for program C56
Loyalty Points Expired Credit CTD Program Cum. 57LTY_EXP_CR_CTD_C57Same as above for program C57
Loyalty Points Expired Credit CTD Program Cum. 58LTY_EXP_CR_CTD_C58Same as above for program C58
Loyalty Points Expired Credit CTD Program Cum. 59LTY_EXP_CR_CTD_C59Same as above for program C59
Loyalty Points Expired Credit CTD Program 01LTY_EXP_CR_CTD_P01Cycle to date expired points balance in program P01 in PN2 currency or currency defined at FI level.
Loyalty Points Expired Credit CTD Program 02LTY_EXP_CR_CTD_P02Same as above for program 02
Loyalty Points Expired Credit CTD Program 03LTY_EXP_CR_CTD_P03Same as above for program 03
Loyalty Points Expired Credit CTD Program 04LTY_EXP_CR_CTD_P04Same as above for program 04
Loyalty Points Expired Credit CTD Program 05LTY_EXP_CR_CTD_P05Same as above for program 05
Loyalty Redeemed CTD Program as TotalLTY_RED_CTD_ASTCycle to date redeemed points balance in total of cumulative program in PN2 currency or currency defined at FI level.
Loyalty Redeemed CTD Program Cum. 51LTY_RED_CTD_C51Cycle to date redeemed points balance in cumulative program C51 in PN2 currency or currency defined at FI level.
Loyalty Redeemed CTD Program Cum. 52LTY_RED_CTD_C52Same as above for program C52
Loyalty Redeemed CTD Program Cum. 53LTY_RED_CTD_C53Same as above for program C53
Loyalty Redeemed CTD Program Cum. 54LTY_RED_CTD_C54Same as above for program C54
Loyalty Redeemed CTD Program Cum. 55LTY_RED_CTD_C55Same as above for program C55
Loyalty Redeemed CTD Program Cum. 56LTY_RED_CTD_C56Same as above for program C56
Loyalty Redeemed CTD Program Cum. 57LTY_RED_CTD_C57Same as above for program C57
Loyalty Redeemed CTD Program Cum. 58LTY_RED_CTD_C58Same as above for program C58
Loyalty Redeemed CTD Program Cum. 59LTY_RED_CTD_C59Same as above for program C59
Loyalty Redeemed CTD Program Instant 31LTY_RED_CTD_I31Cycle to date redeemed points balance in program Instant 31 in PN2 currency or currency defined at FI level.
Loyalty Redeemed CTD Program Instant 32LTY_RED_CTD_I32Same as above for program I32
Loyalty Redeemed CTD Program Instant 33LTY_RED_CTD_I33Same as above for program I33
Loyalty Redeemed CTD Program Instant 34LTY_RED_CTD_I34Same as above for program I34
Loyalty Redeemed CTD Program Instant 35LTY_RED_CTD_I35Same as above for program I35
Loyalty Redeemed CTD Program 01LTY_RED_CTD_P01Cycle to date redeemed points balance in program 01 in PN2 currency or currency defined at FI level.
Loyalty Redeemed CTD Program 02LTY_RED_CTD_P02Same as above for program 02
Loyalty Redeemed CTD Program 03LTY_RED_CTD_P03Same as above for program 03
Loyalty Redeemed CTD Program 04LTY_RED_CTD_P04Same as above for program 04
Loyalty Redeemed CTD Program 05LTY_RED_CTD_P05Same as above for program 05
Loyalty Redeemed CTD TotalLTY_RED_CTD_TOTSame as above for all programs. Total points redeemed.
PaymentPAYMENTSum total of payments and refunds.
AvailableAVAILABLEOpen to buy
Blocked AmountBLOCKEDIs positive for pending debits and negative for pending credits.
Credit LimitCR_LIMITIn NIC, always equal to "Financial Limit".
Financial LimitFIN_LIMITApproved credit limit.
LINKED_ACC_AVAILABLELINKED_ACC_AVAILABLEFor multicurrency products, show sum of OTB shared to the wallet from the sibling wallets
Over LimitOVLFinancial Limit+Total Balance, has "0" if this sum is positive.