This module will not be further enhanced. Support is limited to defect fixing only.

Introduction to Banking Act (KWG) 18: Customer Group Credit Exposure

This module enables the client to monitor the credit exposure to both retail and corporate customers and the corresponding customer group. The credit exposure can be used to perform the reporting threshold check as mentioned in the §18 Banking Act.

To do this, the following actions need to be taken:

1. Set the global parametrisation using the DEBA18.CREDIT.VOLUME.PARAM application.
2. Set the parametrisation per evaluation using the DEBA18.CREDIT.EXP.CHECK application.
3. The BNK/DEBA18.CREDIT.EXP.REPORT service will then collect the data and store it in a work file.
4. The DEBA18.CREDIT.DRILLDOWN.RESULT enquiry can be used to view the date in the work file.

A regulation of section 18 German Credit Banking Act (KWG) specifies that a credit institution may only grant a loan exceeding a total of 750,000 EUR or 10 per cent of the institution's eligible capital if the borrower has the financial circumstances disclosed.

The current credit volume of the customers has to be checked by a credit institution before granting a loan. The current credit volume means the current residual debt amounts of the customer's credit contracts.

This functionality allows banks to check the current credit volume of a customer or a customer group at any point in time.