Banking Services from SAP 8.0, Localization for Latin America · PDF fileIn the localization...

Configuration Guide CUSTOMER

13-04-02

Banking Services from SAP 8.0, Localization for Latin America

Content

1 Getting Started. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 61.1 About this Guide. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

2 General Configuration Settings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 72.1 Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 72.2 Activate Localization in a Client. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .72.3 Change Data Before Settlement Calculation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .72.4 Change Settlement Calculation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .82.5 Activate Localization-Specific Implementations for Business Add-Ins. . . . . . . . . . . . . . . . . . . . . . . . . . 92.6 Configuration for Tax Manager. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Preparation Steps. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Define Tax Operations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Define Tax Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14Define Tax Item Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15Map Industry-Specific Operations to Tax Item Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Assign Tax Item Types to Operations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17Map Tax Manager Operations to Posting Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17Specify Tax Rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18Specify Tax Limits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Specify Tax Assignments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21

3 Configuration Information for Argentina. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .233.1 Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 233.2 Configuration for Tax Calculation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23Tax Manager Customizing Activities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23Specify Business Partner Roles for Gross Income Tax. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27Specify Business Partner Roles for Gross Income Tax Perception. . . . . . . . . . . . . . . . . . . . . . . . . . 28Account Related Configuration. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29Configuration for Loans Tax Management. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34Configuration for Taxes on Interest on Arrears. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36

3.3 Master Data Settings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50Enter Tax Data for Business Partners. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50

3.4 Configuration for Interest on Arrears. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52

2 C U S T O M E RBanking Services from SAP 8.0, Localization for Latin America

Content

Settings Delivered As Standard for IoA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52Configuration for Calculation Bases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54Create Condition Types for Interest on Arrears. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56Assign Condition Types to Condition Group Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .62Create Condition Group and Condition for Interest on Arrears. . . . . . . . . . . . . . . . . . . . . . . . . . . . 63Configure Loan Product Attributes for IoA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 64Configuration for Disbursement with IoA for Argentina. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66

3.5 Configuration for Gross Income Tax Perception on Loan Installment. . . . . . . . . . . . . . . . . . . . . . . . . . 68Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .68Create Condition Types for GITP on Loan Installment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69Assign condition Types to Condition Group Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74Tax Manager Configuration for GITP on Loan Installment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74Configure Localization Parameters. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84Configure Loan Product Attributes for GITP Calculation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85

4 Configuration Information for Brazil. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 874.1 Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 874.2 Activate Localization-Specific Implementations for Business Add-Ins. . . . . . . . . . . . . . . . . . . . . . . . . .874.3 Sample Financial Products. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90Checking Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91Time Deposit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 117Multidate Savings Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .126Corporate Savings Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 139Loans Taken Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .171Fund Pool Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 179Loans Given Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .183

4.4 Configuration for Branch Calendars. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 189Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 189Organizational Data. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .189Product Attributes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 192Transaction Settings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 193

4.5 Configuration for Checkbook Management. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .194Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 194Localization Parameters. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 194Business Partner Configuration. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195Basic Settings. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .197Printing Configuration. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .200Configuration for Fee Handling. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 201Business Add-Ins and Interfaces. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 204Authorization Objects. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207Procedures and Checks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207

Banking Services from SAP 8.0, Localization for Latin AmericaContent C U S T O M E R 3

4.6 Configuration for Tax Calculation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 210Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 210Withholding Tax on Corporate Savings Accounts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 211IOF on Loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .216

4.7 Configuration for Payment Processing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .293Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 293Define Transaction Type Groups for Posting Rules. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .293Define Main Rule Sets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 294Create Transaction Types for Brazilian Bank Transfers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 296Assign Offsetting Transaction Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 304Assign Processing Priority to Recipient Items. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 306Define Payment Media and Methods. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 307Set Default Values for Order Creation Report. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 309Configure Localization Parameters. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 310Define Customer-Specific Validations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 311

4.8 Configuration for Payment Advice. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 312Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 312Define Payment Directive Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 312Define Payment Advice Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 313Define Transaction Type Groups for Posting Rules. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 314Define Main Rule Sets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 315Create Offsetting Transaction Types for Brazilian Bank Transfers. . . . . . . . . . . . . . . . . . . . . . . . . 315Assign Offsetting Transaction Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .319Assign Counterparty External Representation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 320Assign Payment Directive Types with Transaction Types and Medium/Payment Methods. . . . . . . . 321Configure Localization Parameters. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .322

4.9 Configuration for Compound Interest Calculation on Loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 322Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 322Define Condition Type for Variable Interest. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 323Assign Financial Condition Types to Condition Group Type. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .323Create Financial Conditions for Settlement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 324Define Inpayment Agreement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 328Create Loan Account Product and Configure Attributes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 331

4.10 Configuration for Inflation Adjustment of Loan Installments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .333Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 333Define Condition Types for Inflation Adjustment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 333Assign Financial Condition Types to Condition Group Type. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 335Create Financial Conditions for Settlement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 336Define Inpayment Agreement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .341Create Loan Account Product and Configure Attributes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 344

4.11 Configuration for Interest on Arrears. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 346


Content

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 346Settings Delivered As Standard for IoA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 346Configuration for Calculation Bases. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 347Create Condition Types for Interest on Arrears. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 349Assign Condition Types to Condition Group Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 355Configuration for Late Payment Penalty. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 355Configure Loan Product Attributes for IoA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 363Configuration for Disbursement with IoA for Brazil. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .365

4.12 Configuration for Revenue Recognition for Performing Loans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 366Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 366Maintain Nonbalance-Balance-Changing Transaction Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . .366Assign Nonbalance-Changing Posting Categories to Nonbalance-Changing Transaction Types. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 367Configure Localization Parameters. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .367

4.13 Configuration for Installment Prepayment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 368Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 368Settings Delivered As Standard for Installment Prepayment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 368Configure Localization Parameters. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 369

Banking Services from SAP 8.0, Localization for Latin AmericaContent C U S T O M E R 5

1 Getting Started

1.1 About this Guide

This guide is the central source of configuration information for banking services from SAP 8.0, localization for Latin America.

This guide provides configuration information for the following topics:

● General settings● Configuration information for Argentina● Configuration information for Brazil


Getting Started

2 General Configuration Settings

2.1 Introduction

To meet customer-specific requirements, you can use the implemented Business Add-Ins (BAdIs) of the localization to adjust the way in which the system handles certain processes. In the localization of banking services from SAP, some BAdIs span several localized functions. This section contains information about how to reimplement the BAdIs so that you can use them to adjust central functions in the localization to meet your requirements.

2.2 Activate Localization in a Client

Use

You can use the localizations for banking services from SAP for multiple countries within a region. This chapter describes the procedure how to specify the country for which you are using the localization.

NoteThis step is mandatory if you are using a localization solution that is relevant for more than one country.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Activate Localization for a Country in a Client .

2. Choose the localization that you want to activate.3. Save your entries.

2.3 Change Data Before Settlement Calculation

Use

If you want to change the period or rate, for example, before the settlement calculation, you can create your own implementation of the Data Compression (COMPRESS_CALCULATED_DETAILS) Business Add-In (BAdI).

Banking Services from SAP 8.0, Localization for Latin AmericaGeneral Configuration Settings C U S T O M E R 7

Procedure

1. Disable the standard BAdI implementation.2. Create a new implementation of the BAdI by copying the standard Localization Compress Details (/FSGLO/

COMPRESS_DETAILS_SETTL) implementation.3. Make the required adjustments to the code in the implementation that you create.4. Activate the new implementation.

Example

You use this BAdI if you want to use one interest rate for one business partner and a different interest rate for another business partner.

2.4 Change Settlement Calculation

Use

If you want to carry out additional calculations based on the settlement results that the localization provides, you can create your own implementation of the After Rounding (AFTER_ROUNDING_RESULTS) Business Add-In (BAdI).

Procedure

1. Disable the standard BAdI implementation.2. Create a new implementation of the BAdI by copying the standard Localization After Rounding Results (/

FSGLO/AFTER_ROUND_RES_SETTL) implementation.3. Make the required adjustments to the code in the implementation that you create.4. Activate the new implementation.

Example

You use this BAdI if you want to use a product that is not part of the standard scope of the localization for Brazil and you need to perform calculations required for these products as part of the settlement calculation.


General Configuration Settings

2.5 Activate Localization-Specific Implementations for Business Add-Ins

Use

To enable the localization for Brazil to meet legal and business requirements, you must activate certain implementations of country-specific Business Add-Ins (BAdIs).

Procedure

1. For each of the Brazil-specific BAdI implementations that you want to activate, follow the Customizing path listed on the following table:

Table 1:

Enhancement Implementation

BAdI Implementation

Description Financial Services Account Management

Product Management Payment Advice

Business Add-Ins (BAdIs) BAdI: Adjustment

of Payments

Customizing Path

/FSGLO/BCA_OR_DISB_CHECKS

/FSGLO/DISBURSEMENT_CHECKS

Implementation: Checks for Disbursement

Financial Services Account Management

Order Management Account Order

Disbursement (Loans) Business Add-Ins

(BAdIs) BAdI: Entry and Consistency

Checks

/FSGLO/BCA_OR_PAYF_CHECKS

/FSGLO/PAYOFF_CHECKS

Implementation: Checks for Payoff


Order Management Account Order Early

Payoff (Loans) Business Add-Ins (BAdIs)BAdI: Payment Receipt and Consistency

Checks

/FSGLO/BCA_SETTL_CALC

/FSGLO/COMPRESS_DETAILS_SETTL

Localization compress details


Product Management Settlement Business

Add-Ins (BAdIs) Enhancements in Calculation

Layer BAdI: Compress Settlement Details



BAdI Implementation




of Payments

Customizing Path

/FSLBR/POSTPONE_SETTL_EXEC

/FSLBR/DETERM_DEFAULT_SAMPLE

Implementation: Payment Default upon Exceeding Committed Limit


Contract Management Account Business

Add-Ins (BAdIs) Country-Specific Settings

Brazil BAdI: Retrieval of Information About

Payment Default

/FSGLO/EI_BA1_SP_SI_F8

/FSGLO/BD_SI_F8_LOAN_PLA_CHG

Loans Taken Implementation

Financial Services Bank Analyzer

Infrastructure Settings for Enterprise

Services Business Add-Ins (BAdIs)

Financial Instruments Analytical Source DataBAdI: LoanContractEventInChangeViewsBasedOnPric

eListAdaptationBulkChanged


/FSGLO/BD_SI_F8_LOAN_PLA_CRE

Example Implementation Financial Services Bank Analyzer




eListAdaptationBulkCreated

/FSGLO/EI_BCA_CN_LC_SOUT

/FSGLO/CN_LC_PLADAPT_BLK

Implementation: InformOfContractPrice


Communication Between Logical Systems

Account Business Add-Ins (BAdIs) BAdIs

for Enterprise Services BAdIs for Business

Object LoanContract BAdI for InformOfContractPriceListAdaptationCreationA

sBulk




BAdI Implementation




of Payments

Customizing Path


/FSGLO/CN_LC_PLADAPT_CH_BLK

Badi Implementation for replicating loans taken to Bank Analyzer





Object LoanContract BAdI for InformOfContractPriceListAdaptationChangeAs

Bulk

/FSGLO/BCA_PO_SOUT

/FSGLO/PO_REQ_PAYM_ORD

BAdI Definition for Service Operation CollectivePaymentOrderRequest



for Enterprise Services BAdIs for Business Object BankAccountContractPaymentTransactionOrde

rRequest BAdI for

ReadPaymentOrderRequest

/FSGLO/BCA_PO_SOUT

/FSGLO/PO_REQ_PAYM_ORD_BLK

BAdI implementation for RequestPaymentOrdersAsBulk




rRequest BAdI for

RequestPaymentOrdersAsBulk

2. Select the Active (IMG) checkbox that corresponds to the BAdI implementation.3. Choose the Finished pushbutton.

2.6 Configuration for Tax Manager

2.6.1 Introduction

This section describes the steps that are needed to configure tax manager for use with a customized development that you create, for example, to calculate a given tax in a personalized way.


For the country-specific configuration of tax manager that is covered by the standard delivery, see the section that corresponds to your country from the following table:

Table 2:

Country Chapter Description

Argentina Configuration for Tax Calculation [page 23]

Configuration steps needed for tax calculation in Argentina.

Tax Manager Configuration for Tax on IoA [page 43]

Configuration steps needed for tax calculation for interest on arrears (IoA) in Argentina.

Brazil Withholding Tax on Corporate Savings Accounts [page 211]

Configuration steps needed for the calculation of withholding tax on corporate savings accounts for Brazil.

Configuration steps needed for the calculation of complementary IOF on overdue loan installments in Brazil.

Russia Configuration steps needed for the calculation of capital yield tax for Russia.

To customize tax manager, follow the steps below.

NoteNote that there is a certain logic to the sequence of the steps in this list. For example, you need to have defined a tax operation before you can assign a tax item type to it. Likewise, you need to have defined a tax type and tax area before you can specify the relevant rates and limits for that tax type in the given area, and so on.

2.6.2 Preparation Steps

2.6.2.1 Introduction

For initial preparation and setup of your system, begin with the following steps.



2.6.2.2 Copy Configuration Entries from System Client 000

Use

Some entries in the following tables are delivered by SAP in system client 000:

Table 3:

Table Name Description

/FSGLO/TAX_RATE Tax Rates

/FSGLO/TAX_LIMIT Tax Limits

TB070 Tax Classification: Tax Types per Country

TB071 Define Business Partner Tax Groups

You need to copy these settings to your operational clients to enable the tax manager to work correctly. Note that these tables are all type C, as delivered by SAP in system client 000.

Procedure

1. Ensure that system client 000 is ready for copy.2. Log in on the target client.

3. On the SAP Easy Access screen, choose Tools Administration Client Administration Special FunctionsCopy Transport Request

4. Copy the entries from the tables above from client 000 to the target client.

NoteTo ensure that the tax manager can work properly, SAP recommends that you do not change these entries.

2.6.3 Define Tax Operations

Use

The tax manager uses tax operations internally for tax processing and calculation purposes. The defined tax operations are associated with corresponding tax item types.


Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Operations .

2. Define the tax operations required for your tax calculations.3. Define if the operation is a debit operation.

Example

Table 4:

Tx Op ID Debit Description

1 x CHARGE

2 x INTEREST

3 x DEBITS

4 CREDITS

5 CREDIT PAYMENT

6 CREDIT INTEREST

7 x CHARGE LOANS

8 x INTEREST LOANS

9 REPAYMENT LOANS

10 x EVENT CHARGES

11 LOANS RECEIVABLES

2.6.4 Define Tax Types

Use

Tax types represent the different taxes to be applied during tax processing and calculation in the tax manager. If required, you can assign the calculation of a tax type to a calculation class/interface instead of using the tax manager standard calculation routines.



Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Types .

2. Define the tax types required for your tax calculations.

Example

Table 5:

Tax Type Description Class/Interface

DECR DEBIT & CREDIT /FSLAR/CL_DEB_CRED_CALCULATOR

GIT GROSS INCOME TAX /FSLAR/CL_GIT_CALCULATOR

GITP GROSS INCOME TAX PERCEPTION /FSLAR/CL_ARGENTINA_CALCULATOR

INC INCOME TAX /FSLAR/CL_ARGENTINA_CALCULATOR

STA STAMP TAX /FSLAR/CL_STAMP_CALCULATOR

VAT VAT /FSLAR/CL_ARGENTINA_CALCULATOR

VATP VAT PERCEPTION /FSLAR/CL_ARGENTINA_CALCULATOR

VATW VAT WITHHOLDING /FSLAR/CL_ARGENTINA_CALCULATOR

2.6.5 Define Tax Item Types

Use

In this step, you create the tax item types that you want to use to map the operations on which you want to calculate taxes using tax manager.

Tax manager uses a tax item type with the following purposes:

● Map industry-specific transactions, for example, a taxable transaction type in banking services from SAP to a tax operation within tax manager

● Map a tax that tax manager calculates to a system-specific posting operation

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Item Type .


2. Define the tax item types required to map your taxable operations.

Example

Table 6:

AcctPr. Grp Description

000001 DEBITS

2.6.6 Map Industry-Specific Operations to Tax Item Types

Use

Tax manager uses a mapping table to assign industry-specific operations to a given tax item type. You define the mapping specific to banking services from SAP as described below.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Transaction Types and Condition Types to Tax Item Type

2. Enter the mapping assignments for all transaction types and condition types that are relevant for tax calculation.

Example

Table 7:

CondTyp Condition Type Name

TranTyp Desc. Transact. Type

Tax Item Typ Description

500720 Loan Payoff 000007 CHARGE LOANS

501100 Charge PrCond: (PP)

000008 INTEREST LOANS

501501 Nom.Int.Rate Disb. Charge

000007 CHARGE LOANS

090015 Payment Receipt 000005 CREDIT PAYMENT

105100 Debit Interest 100100 Debit Interest 000002 INTEREST

190900 Debit VAT 190900 Debit VAT



2.6.7 Assign Tax Item Types to Operations

Use

Assign the tax item type that you use for a given tax operation to the corresponding operation IDs. These assignments serve as a mapping between the transactions from the business landscape and the operations inside the tax manager.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Tax Item Types to Operations .

2. Enter the mapping assignments for each relevant combination of tax operation and tax item type.

Example

Table 8:

Tax Op ID Description Tax Item Type Description

000007 CHARGE LOANS 1 CHARGE

000008 INTEREST LOANS 2 INTEREST

2.6.8 Map Tax Manager Operations to Posting Transactions

Use

The tax manager uses a mapping table for the assignment of tax operations and tax types to tax item types. Tax manager posts the resulting amounts for a given tax type in a certain operation using the assigned tax item type. You maintain the mapping entries as described below.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Posting Transactions to Operations .

2. Enter the mapping assignments for each relevant combination of tax operation and tax type.


Example

Table 9:

Tax Op ID Description Tax Type Description Tax Item Type Description

1 Charge DECR DEBIT & CREDIT 910110 Deb Cred Acct Mainten.

1 Charge GITP GROSS INCOME TAX PERCEPTION

910112 VATP Transaction Charge

1 Charge VAT VAT 190900 Debit VAT

1 Charge VATP VAT PERCEPTION 910103 VATP Transaction Charge

7 Charge Loans GITP GROSS INCOME TAX PERCEPTION

919000 Gross Income Tax Perception

2.6.9 Specify Tax Rates

Use

You maintain the tax rates that apply for a given combination of tax type, country and region, and validity period as described below.

NoteIf a business partner is entitled to a special rate for gross income tax (GIT) or gross income tax perception (GITP) in a particular region, you enter the tax rates in the business partner master data.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Rates .

2. Enter the applicable rates for each relevant combination of tax type, country and region, and validity period.



Example

Table 10:

Tax Rate ID Start Date Tax Rate Tax Type Country Region

1 01.01.2000 4.0 VAT PY

2 01.01.2000 10.0 VAT BR RS

3 01.01.2000 3.0 INC AR 00

2.6.10 Specify Tax Limits

Use

A tax limit is the maximum or minimum amount of tax to be charged for a certain tax type in a given country and region and within a specified validity period.

NoteTax limits are not mandatory for tax calculation. Therefore, you only need to specify a tax limit where applicable.

A limit can specify only a minimum amount, only a maximum amount, or a range between a minimum and a maximum. If the payable tax amount falls below the minimum the tax will not be charged, whereas if the payable tax amount is above the maximum only the maximum amount will be charged, not the full amount. A limit may apply over the taxable base amount to be calculated or over the final calculated amount (the tax amount itself). You maintain the relevant limits for tax calculation as described below.

If the currency of the limit to be applied is different from the currency of the taxable amount, the system automatically converts the currency of the limit to match the currency of the taxable amount.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Limits .

2. Enter the applicable limits for each relevant combination of tax type, country and region, and validity period.


Example

Table 11:

Tax Limit ID

Start Date

Minimum Amt

Maximum Amt

Tax Type Country Region Limit Application Base

C.key Exemp Rule

1 01.01.2000

21.30 VATP AR 00 Calculated Amount

USD Total Exempted

2 01.01.2000

12.00 VATW AR 00 Calculated Amount

USD Total Exempted

3 01.01.2000

20.00 INC AR 01 Calculated Amount

USD Total Exempted

4 01.01.2000

50.00 GITP AR 04 Calculated Amount

USD Total Exempted

5 01.01.2000


USD Total Exempted

6 01.01.2000


USD Total Exempted

7 01.01.2000


USD Total Exempted

8 01.01.2000

4.50 STA AR 19 Calculated Amount

USD Total Exempted

9 01.01.2000


USD Total Exempted

10 01.01.2000


USD Total Exempted

23 01.01.2000

AR 00 Calculated Amount

USD Total Exempted

34 01.01.2000


USD Total Exempted

48 01.01.2000


USD Total Exempted

67 01.01.2000


USD Total Exempted



2.6.11 Specify Tax Assignments

Use

Tax assignments specify the tax types that apply to a given tax operation within a country and region. If there is more than one tax type that applies to a given tax operation you can define the sequence of taxes in the tax assignment for that operation. If applicable, you can define specific classes to handle special cases for rate and limit determination according to the tax being calculated. You maintain the tax assignments as described below.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Assignments .

2. Enter the applicable tax types for each relevant combination of tax operation and country and region.3. In cases where you have assigned more than one tax type to a given operation you can use the Predecessor

Tax Type field to define the sequence of taxes for that operation.

Example

Table 12:

Country Region Tax Op ID Tax Type Start Date

End Date Pred. Tax Type

Rate Determiner

Limit Determiner

Reference Data Control

AR 00 1 VAT 01.01.2000

31.12.2020

/FSLAR/CL_VATP_DETERMINE_RATE

/FSLAR/CL_VATP_DETERMINE_LIMIT

/FSLAR/CL_TAX_VAT_DATA_CONTROL

AR 00 1 VATP 01.01.2000

31.12.2020

VAT /FSLAR/CL_VATP_DETERMINE_RATE


/FSLAR/CL_TAX_VAT_DATA_CONTROL

AR 00 1 GITP 01.01.2000

31.12.2020

VATP /FSLAR/CL_VATP_DETERMINE_RATE


AR 01 2 VAT 01.01.2000

31.12.2020

/FSLAR/CL_VATP_DETERMINE_RATE



Country Region Tax Op ID Tax Type Start Date

End Date Pred. Tax Type

Rate Determiner

Limit Determiner

Reference Data Control

AR 01 2 VATP 01.01.2000

31.12.2020

VAT /FSLAR/CL_VATP_DETERMINE_RATE


AR 01 2 GITP 01.01.2000

31.12.2020

VATP /FSLAR/CL_VATP_DETERMINE_RATE


AR 01 2 STA 01.01.2000

31.12.2020

GITP /FSLAR/CL_VATP_DETERMINE_RATE




3 Configuration Information for Argentina

3.1 Introduction

This section describes the configuration information that is necessary to meet legal requirements and conduct business according to common practices in Argentina.

The configuration information for Argentina comprises the following topics:

● Configuration for deposits and loans tax management● Business partner master data● Configuration for interest on arrears

3.2 Configuration for Tax Calculation

3.2.1 Introduction

This section describes the configuration for deposits and loans tax management using the tax manager for Argentina.

3.2.2 Tax Manager Customizing Activities


To customize tax manager according to Argentina requirements, follow the steps below.

NoteIn addition to the Customizing activities listed on this section, follow the steps described in Configuration for Tax Manager [page 11].

Banking Services from SAP 8.0, Localization for Latin AmericaConfiguration Information for Argentina C U S T O M E R 23

3.2.2.2 Define Business Partner Tax Classification

Use

Tax manager uses tax classifications to identify if a business partner has especial tax rates or any kind of tax exemption.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Business Partner Tax Classification .

2. Define the tax classifications required for your business needs.

Example

Table 13:

Tax Classf Description

1 STATE

2 NON-PROFITABLE

3 OWN DEPOSITS

4 NATURAL PERSON

5 FINANCIAL INST.

6 REGISTERED

7 NOT REGISTERED

8 EXEMPT

9 REGISTERED SPONSOR

10 FINAL CONSUMER

11 MONO TRIBUTE

12 SIMPLIFIED


Configuration Information for Argentina

3.2.2.3 Define Contract Groups

Use

Tax manager uses contract groups to identify rates, limits, exemptions and taxes that relate to specific contract groups.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Contract Groups .

2. Define the contract groups required for your business needs.

Example

Table 14:

Cont. Grp. Description

1 CHECKING ACCOUNT

2 SAVINGS ACCOUNT

3 CREDIT CARD ACCOUNT

4 LINE OF CREDIT

5 LOANS

6 TIME DEPOSIT ACCOUNT

3.2.2.4 Define Tax Areas

Use

The tax manager uses tax areas and area codes during tax calculation to determine the applicable tax types, rates, limits, and so on, to be used in the context of a given tax operation. You can define a tax area code to designate any area required for tax calculation. The tax area code may apply, for example, to an entire country, a given state or province within a country, a specific city, or some other area such as a tax free zone.


Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Areas .

2. Define the tax areas required for your tax calculations.

Example

Table 15:

Tx Area Cd Description Country Region

AR0000 ARGENTINA AR

AR0100 ARGENTINA - CAPITAL FEDERAL AR 00

AR0101 ARGENTINA - BUENOS AIRES AR 01

3.2.2.5 Assign BP Tax Classifications to BP Tax Groups

Use

Banking services from SAP standard development uses tax groups to group tax types and business partner tax groups. You relate tax manager tax classifications to banking services from SAP tax groups so that tax manager can retrieve this information and calculate taxes accordingly.

Procedure

1. In Customizing for Financial Services, choose General localization Settings Tax Manager Assign Business Partner Tax Classifications to Business Partner Tax Groups .

2. Assign the tax classifications you have created to the corresponding tax groups.

Table 16:

Tax Type Tax Group Tax Classf Description

VAT 01 1

VATP 01 1

VATW 01 1



3.2.2.6 Assign Contract Groups to Account Product Groups

Use

Banking services from SAP standard development uses account product groups to group account products information. You relate tax manager contract groups to banking services from SAP account product groups so that tax manager can retrieve this information and calculate taxes accordingly.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Contract Group to Account Product Group .

2. Assign the contract groups you have created to the corresponding account product group.

Example

Table 17:

AcctPr. Grp Description Cont. Group Description

60 Time Deposit Account 6 TIME DEPOSIT ACCOUNT

3.2.3 Specify Business Partner Roles for Gross Income Tax

Use

Specifically for gross income tax, when there is more than one business partner assigned to the same account (with different business partner roles, such as vendors or authorized card users), the system may apply different tax rate rules.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Configure Localization Parameters .

2. Choose the localization country Argentina and the parameter group TAX_MANAGER.


3. Configure the parameter as described below:

Table 18:

Parameter Subgroup Parameter Name Parameter Value

GIT BP_ROLE_SPECIAL_RATE Enter all business partner roles that are to be considered for GIT tax calculation.

NoteFor more information about the parameter, see the corresponding documentation in the system.

3.2.4 Specify Business Partner Roles for Gross Income Tax Perception

Use

Specifically for gross income tax perception (GITP), the system may apply different tax calculation rules according to the business partner role (such as vendors or authorized card users).

Procedure


2. Choose the localization country Argentina and the parameter group TAX_MANAGER.3. Configure the parameter as described below:

Table 19:


GITP BP_ROLE_TAX_CLASSIFICATION Enter all business partner roles that are to be considered for GITP tax calculation rules.




3.2.5 Account Related Configuration


The following steps are related to the configuration of accounts, account types, and so on, for the purposes of tax processing and calculation by the tax manager.

3.2.5.2 Configure Account Exemptions

Use

A bank account can have a rate or fixed amount deduction or waiver for a given tax. The rate (in percent) or amount to deduct for a specified account and tax type is defined on account level. The system processes the waivers and exemptions using the Tax Exemption (118000) condition type.

NoteThe procedure below describes the steps required to configure exemptions for a single account. If you want all accounts based on a given product to be exempt from certain tax types, you configure the condition type described below on product level.

Procedure

Assign Condition Type for Exemptions

1. On the SAP Easy Access screen, choose Financial Services Account Management Account Account Master Data Create/Change Account .

2. On the Financial Conditions tab page, display the details for the Transaction condition group category.3. Choose the Condition (Create Condition) pushbutton and then the Tax Exemption (118000) condition type.

The Calculation tab page appears.4. Enter the following data:

Table 20:

Field Entry

Description of Cond. Enter a description for your tax exemption condition.


Field Entry

Tax Type Specify the tax type that is exempted.

NoteIf multiple tax types are exempted for the account, you must create one condition type for each tax type.

Valid From and End Date Specify the validity period.

Condition Form Statistical Condition

Percentage Rate or Amount Specify a percentage rate or amount for your tax exemption condition.

5. Choose Transfer.

Determine Condition Type for Exemptions

To enable the system to process the exemptions that you configure with condition types, you specify the condition type as described in the following steps:



Table 21:


ACCOUNT_EXEMPTION CONDITION_TYPE Enter the condition type that you use for tax exemptions, for example, 118000.


3.2.5.3 Create Salary Counter for Salary Accounts

Use

There has to be a salary counter defined for each salary account in order to calculate the debits&credits tax type correctly. For this reason, you need to create a counter type and a counter and assign these to the relevant salary account products. Ensure that the counter configuration is entered for all your salary account products.



Procedure

1. In Customizing for Financial Services, choose Account Management Item Management CountersDefine Counter Types .

2. Create a new counter type for salary accounts with the following settings:

Table 22:

Field Entry

Counter Type Enter the type of your choice.

Counter Type Desc. Enter the description of your choice.

Counter Cat. 001

Counter Cat. Desc. Pymt Transaction Counter

AC (Amount Counter) Selected

Assignment Product

SRel (Settlement Relevant) Deselected

PCO (Relevant to PCO) Deselected

RI (Recipient Items) Deselected

MAN (Manually Changeable) Selected

3. In Customizing for Financial Services, choose Account Management Item Management CountersAssign Counter Types to Counters .

4. Create a new counter with the new counter type assigned:

Table 23:

Field Entry

Counter Enter the counter of your choice.

Counter Desc. Enter the description of your choice.

Counter Type Choose the previously created counter type.

5. In Customizing for Financial Services, choose Account Management Item Management CountersDefine Derivation Rules for Payment Transaction Counters .


6. Define a new rule for each transaction type that is to accumulate in the defined counter:1. In the Condition settings, enter the following data:

Table 24:

Field Entry

Condition Field Trans. Type

Condition Cat. Equal

Value Choose the transaction type code of the relevant transaction.

2. In the Target settings, enter the following data:

Table 25:

Field Entry

Counter Choose the previously created counter.

3. Activate the deviation tree (saved as Deviation Tree Default).

7. In Customizing for Financial Services, choose Account Management Product Management Product Definition Account Products Change Account Product .

8. Add the previously defined counter to the counter assignment attribute:

1. On the Used Attributes screen, choose Posting Data Counter Counter Assignment .2. Add the name of the previously defined counter to the list of counter assignments.

9. In Customizing for Financial Services, choose General Localization Settings Configure Localization Parameters .1. Choose the localization country Argentina and the parameter group TAX_MANAGER.2. Configure the parameters as required, as described below:

Table 26:


DEBIT_CREDIT SALARY_COUNTER_TYPE Enter the counter type created previously.

DEBIT_CREDIT SALARY_COUNTER Enter the counter created previously.

NoteFor more information about the parameters, see the documentation for each parameter in the system.



3.2.5.4 Specify Account Types for Time Deposits

Use

To enable the tax manager to calculate income tax correctly, you need to identify the account types for time deposits (also known as fixed term deposits), since income tax is not charged for time deposits in Argentina. The tax manager therefore needs to determine which product group a given account belongs to. The product groups related to time deposits are identified in the localization configuration as described below.

Procedure



Table 27:


FIXED_TERM_DEPOSITS ACCOUNT_PRODUCT_GROUP Enter all product groups related to time deposits.


3.2.5.5 Specify Transaction Types Related to Account Closure Events

Use

In Argentina, VAT applies to charges on account closure events. You need to specify which transaction types are related to account closure events in the localization configuration so that the system can calculate the correct tax amount over these events.


Procedure



Table 28:


VALUE_ADDED_TAX EVENT_RELEVANT Enter all transaction types subject to account closure charge.


3.2.6 Configuration for Loans Tax Management


In the following steps, you configure settings specific to loans tax processing and calculation by the tax manager.

3.2.6.2 Annual Stamp Tax Limit for Mendoza

Use

In the province of Mendoza, the stamp tax for a loan is calculated based on an annual rate and is also subject to an upper limit per year. This parameter specifies the rate to be applied over the committed capital of the loan to determine the annual upper limit for stamp tax calculation.

Procedure


2. Choose the localization country Argentina and the parameter group TAX_MANAGER.



3. Configure the parameter as described below:

Table 29:


STAMP_TAX MENDOZA_LOANS_TAX_UPPER_LIMIT Enter the applicable rate for calculation of the annual upper limit for stamp tax in Mendoza.


3.2.6.3 Specify Date Range for Loan Installment Payments

Use

For the calculation of gross income tax perception (GITP) during installment payment, it is necessary to provide the date of the installment being paid as a note in the payment item. This note establishes a link between the payment item and the installment, as the payment may be posted on a date different from the installment payment.

You can use the procedure below to specify the number of days in the past to consider when looking for the corresponding payment item created for the installment payment.

Procedure



Table 30:


GITP INSTALMENT_PAYMENT_RANGE Enter the number of days to consider when looking for the corresponding payment item created for an installment payment.



3.2.6.4 Specify Minimum Rate Limit for Account Holders in Multilateral Agreements

Use

For gross income tax perception (GITP), there is a minimum rate for tax calculation in case the account holder is registered in a multilateral agreement. In case the rate defined for the multilateral agreement is below the specified minimum rate, the tax is not calculated.

Procedure



Table 31:


GITP LOW_LIMIT_SPECIAL_RATE Enter the minimum rate for tax calculation for account holders registered in a multilateral agreement.


3.2.7 Configuration for Taxes on Interest on Arrears


In Argentina, banks collect taxes (VAT and VATP) on each type of interest on arrears (IoA) item.

This section describes how to configure the system to calculate these taxes.



3.2.7.2 Create Condition Types for Tax on Interest on Arrears

Use

You define condition types for tax on interest on arrears (IoA) for the following items:

● Condition types for settlement:○ VAT on compensatorio○ VATP on compensatorio○ VAT on compensatorio over taxes○ VATP on compensatorio over taxes○ VAT on punitorio○ VATP on punitorio○ VAT on punitorio over taxes○ VATP on punitorio over taxes

● Inpayment agreement condition types for repayment:○ VAT on compensatorio○ VATP on compensatorio○ VAT on compensatorio over taxes○ VATP on compensatorio over taxes○ VAT on punitorio○ VATP on punitorio○ VAT on punitorio over taxes○ VATP on punitorio over taxes

This section describes how you create these condition types.

Note● Do not assign the condition types for tax on IoA settlement to your condition group. The financial condition

will be used by the tax manager.● Do not assign the condition types for IoA repayment to your condition group for inpayment agreement. If

you do that, your condition for IoA repayment will be valid for the whole loan period. The financial condition for IoA repayment has to be created only on the day of the repayment, and it is valid only for that specific day. This financial condition is automatically created when a repayment occurs in an overdue loan account.

Procedure

Create Condition Types for Tax on IoA Settlement

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Condition Type .


2. Enter the following data:

Table 32:

Field Entry

Condit. Type Enter a code for your condition type, for example, 999939.

Condition Type Name Enter a name for your condition type, for example, VAT on IoA Punitorio Cap + Int.

Condition Category 105020

Posting Sign Debit Memo

Screen Sequence 105021

Calc. Category 1010

Update Category Enter an update category that is relevant for the tax on IoA type. For each financial condition, you must use a different update category as follows:

○ GA30: VAT on Compensatorio

○ GA40: VATP on Compensatorio

○ GA50 : VAT on Compensatorio over Taxes

○ GA60 : VATP on Compensatorio over Taxes

○ GA70: VAT on Punitorio

○ GA80: VATP on Punitorio

○ GA90: VAT on Punitorio over Taxes

○ GAA0: VATP on Punitorio over Taxes

Calc. Basis Leave field blank.

Posting Type Enter 10 or choose your own posting type for IoA.

PstingType PAdj Enter 10 or choose your own posting type for IoA.

PstgType NgAdj. Enter 13 or choose your own posting type for IoA.

ProcResCat Leave field blank.

Proc. Res.Positive Leave field blank.

ProcResultCategNeg Leave field blank.

Process Result Type Leave field blank.

Determ. Time StdCon. Use Conditions for Interest Fixing

Determ. Time Ind.Con Use Conditions at Calculation Time



Field Entry

Ref. Cond. Type Leave field blank.

Cond. Determin Selected

Number Calendar 3

Tiered/IntAllow Selected

Exch.rate type Leave field blank.

Amt Limit PayCurr Deselected

Waiver Method Leave field blank.

Incl. Cond. Selected

Totaled Based on Detailed Results

Intercomp. Loan Deselected

Bal. Time Type Leave field blank.

Charge Event Cat. Event Charge

Restart Info. Overlap (if you want to have grace period for the product)

Overlap N (days of grace period)

RefIntRatAssign All Reference Interest Rates

One-Time Cond. Deselected

AggregateCalBas Deselected

Seasonal Limit No Reference to Seasonal Limit

Event AccountBilling Deselected

3. Choose Enter.4. In the Dialog Structure, double-click the Amount Category node and enter the following data:

Table 33:

Field Entry

Amt Categ. 105020

Perc. Fee No Percentage Charge

Other columns Leave all checkboxes deselected.

5. Choose Enter.


6. In the Dialog Structure double-click the Date Category node and enter the following data:

Table 34:

Field Entry

Date Cat 225010: Due Date

7. Save your entries.

Create Condition Type for Tax on IoA Repayment



Table 35:

Field Entry


Condition Type Name Enter a name for your condition type, for example, VAT on Comp.




Calc. Category 1555

Update Category Enter an update category that is relevant for the tax on IoA type. For each financial condition, you must use a different update category as follows:

○ GA31: VAT on Compensatorio

○ GA41: VATP on Compensatorio

○ GA51 : VAT on Compensatorio over Taxes

○ GA61 : VATP on Compensatorio over Taxes

○ GA71: VAT on Punitorio

○ GA81: VATP on Punitorio

○ GA91: VAT on Punitorio over Taxes

○ GAA1: VATP on Punitorio over Taxes


Posting Type Enter C8 or choose your own posting type for IoA.

PstingType PAdj 16



Field Entry

PstgType NgAdj. 13





Determ. Time StdCon. Use Conditions at Calculation Time

Determ. Time Ind.Con Condition Determination Timepoint as Standard Conditions


Cond. Determin Deselected

Number Calendar Leave field blank.

Tiered/IntAllow Deselected

Exch.rate type M



Incl. Cond. Deselected




Charge Event Cat. Not Defined

Restart Info. Save Restart Information

Overlap Leave field blank.

RefIntRatAssign Leave field blank.





Field Entry



Table 36:

Field Entry

Amt Categ. 160000


Capitaliz. Selected

DeferralPermittd Selected


5. Choose Enter.6. In the Dialog Structure, double-click the Date Category node and enter the following data:

Table 37:

Field Entry


7. Choose Enter.8. In the Dialog Structure, double-click the Waiver node and enter the following data:

Table 38:

Field Entry

Posting Type W1

PstgType NgAdj. W2

PstingType PAdj. W1




9. Choose Enter.10. Save your entries.



3.2.7.3 Assign Condition Types to Condition Group Types

Use

To process financial condition types, you assign all condition types that are relevant for a given financial product to a condition group type. To execute the repayment conditions for loans, the standard system contains the condition group 240. To meet your customer-specific requirements, you can assign the condition types specific to Argentina to this standard condition group. Alternatively, you can use your own custom condition groups for loans repayment.

Prerequisites

You have created condition types for interest on arrears (IoA) repayment. For more information, see Create Condition Types for Tax on Interest on Arrears [page 37].

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Condition Group Type .

2. Select the condition group type 240 - Payment: Loans (or your custom condition group), double-click Condition Type in the Dialog Structure, and add the condition types that you created for IoA repayment.


3.2.7.4 Tax Manager Configuration for Tax on IoA

3.2.7.4.1 Introduction

To customize tax manager according to the requirements for tax calculation for interest on arrears (IoA), follow the steps below.

NoteFor more information about the configuration settings for tax manager, see Configuration for Tax Manager [page 11].


3.2.7.4.2 Define Tax Item Types

Use

In this step, you create tax item types for the following:

Table 39:

Tax Item Types for Input Tax Item Types for Posting

● Punitorio● Compensatorio● Punitorio on Taxes● Compensatorio on Taxes

● VAT on punitorio● VATP on punitorio● VAT on compensatorio● VATP on compensatorio● VAT on punitorio over taxes● VATP on punitorio over taxes● VAT on compensatorio over taxes● VATP on compensatorio over taxes




Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Item Types .


Table 40:

Tax ItmTy. Description

Enter any ID for the tax item type for input, for example, 13. Enter a description of your choice, for example, IoA Punitorio.

Enter any ID for the tax item type for posting, for example, 500046.

Enter a description of your choice, for example, VAT on IoA: Punitorio.




3.2.7.4.3 Assign Tax Item Types to Operations

Use

In this step, you assign the tax item types for taxes on interest on arrears (IoA) to the corresponding operation IDs. You make this assignment for the tax item types you created for input.

These assignments serve as a mapping between the transactions from the business landscape and the operations inside the tax manager.

Prerequisites

You have created the tax item types for input as described in Define Tax Item Types [page 44].

Procedure


2. Enter the mapping assignments for all relevant tax item types:

Table 41:

Tax ItmTy. Tax Op ID

Enter the code for your tax item type for punitorio 16

Enter the code for your tax item type for compensatorio 17

Enter the code for your tax item type for punitorio on taxes 18

Enter the code for your tax item type for compensatorio on taxes

19


3.2.7.4.4 Assign Condition Types to Tax Item Types

Use

In this step, you assign the tax item types you created for input and posting to the corresponding condition types.


Prerequisites

● You have created the condition type as described in Create Condition Types for Tax on Interest on Arrears [page 37].

● You have created the tax item types as described in Define Tax Item Types [page 44].

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Transaction Types and Condition Types to Tax Item Types .

2. Enter the mapping assignments for all the relevant condition types.

Table 42: Condition Types for Input

CondTyp TranTy Tax ItmTy.

Enter the code of your condition type for punitorio.

Leave field blank. Enter the code of your tax item type for punitorio.

Enter the code of your condition type for compensatorio.

Leave field blank. Enter the code of your tax item type for compensatorio.

Enter the code of your condition type for punitorio on taxes.

Leave field blank. Enter the code of your tax item type for punitorio on taxes.

Enter the code of your condition type for compensatorio on taxes.

Leave field blank. Enter the code of your tax item type for compensatorio on taxes.

Table 43: Condition Types for Posting


Enter the code of your condition type for punitorio.

Leave field blank. Enter the code of your tax item type for punitorio.

Enter the code of your condition type for compensatorio.

Leave field blank. Enter the code of your tax item type for compensatorio.


3.2.7.4.5 Assign Posting Transactions to Operations

Use

In this step, you assign tax manager operations to the tax types and tax item types that you use for VAT and VATP on interest on arrears (IoA).



Prerequisites

You have created the tax item types for posting as described in Define Tax Item Types [page 44].

Procedure


2. Enter the mapping assignments for all tax operations delivered for taxes on IoA (see Settings Delivered As Standard for IoA [page 52], tax types for VAT and VATP, and tax item types for posting as follows:

Table 44:

Tax Op ID Tax Type Tax ItmTy.

16 Enter the code for your tax type for VAT.

Enter the code for your tax item type for VAT on compensatorio.

16 Enter the code for your tax type for VATP.

Enter the code for your tax item type for VATP on compensatorio.


Enter the code for your tax item type for VAT on compensatorio over taxes.


Enter the code for your tax item type for VATP on compensatorio over taxes.


Enter the code for your tax item type for VAT on punitorio.


Enter the code for your tax item type for VATP on punitorio.


Enter the code for your tax item type for VAT on punitorio over taxes.


Enter the code for your tax item type for VATP on punitorio over taxes.



3.2.7.4.6 Specify Tax Limits

Use

In Argentina, VATP is calculated only if the sum of the base amounts for the same type of interest on arrears (IoA) reaches a limit defined by law.

You maintain this limit for VATP calculation as described below.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Limits .

2. Enter the VATP limit for the combination of tax type for VATP and country AR as shown below:

Table 45:

Field Entry

Tax Limit ID 31

Start date 01.01.2000

End Date 31.12.9999

Minimum Amt Enter the current limit based on legislation, for example, 1.420,00.

Maximum Amt 0

Tax Type Enter the code of your tax type for VATP.

Country AR

Region Leave field empty.

Limit Appl BA Base Amount

C.key ARS

Exemp Rule Total Exempted




3.2.7.4.7 Specify Tax Assignments

Use

Tax assignments specify the tax types that apply to a given tax operation within a country and region. If there is more than one tax type that applies to a given tax operation you can define the sequence of taxes in the tax assignment for that operation. If applicable, you can define specific classes to handle special cases for rate and limit determination according to the tax being calculated. You maintain the tax assignments as described below.

Procedure


2. Enter tax types created for VAT and VATP in combination with all tax operations delivered for Argentina (see Settings Delivered As Standard for IoA [page 52]):

Table 46:

Field Entry

Country AR

Region Enter as required or leave blank.

Tax Op ID Enter a tax operation ID, which can be the following:

○ 16: Punitorio

○ 17: Compensatorio

○ 18: Punitorio over taxes

○ 17: Compensatorio over taxes

Tax Type Enter the code of your tax type for VAT or VATP.


End Date 31.12.9999

Pred. Tax Type Leave field blank.

Rate Determiner For VAT, enter the standard class below or your custom rate determiner class:

○ /FSLAR/CL_VAT_DETERMINE_RATEFor VATP, enter the standard class below or your own custom rate determiner class:

○ /FSLAR/ CL_VAT_DETERMINE_RATE


Field Entry

Limit Determiner For VAT, leave this field blank.

For VATP, enter the standard class below or your custom limit determiner class:

○ /FSLAR/CL_VATP_DET_LIMIT_ARR

Reference Data Control /FSLAR/CL_ARGENTINA_DATA_CNTRL


3.3 Master Data Settings

3.3.1 Introduction

To enable the system to process business partner master data in line with requirements in Argentina, you enter the master data described below.

3.3.2 Enter Tax Data for Business Partners

Use

To enable the system to process special tax rates and tax exemptions that apply to business partners in Argentina, you store the required special rates in the master data of the business partners.

Prerequisites

You have created a business partner with the Argentina Tax Payer role.

Procedure

1. Edit the business partner.On the SAP Easy Access screen, choose Financial Services Business Partner Maintain Business Partner .



2. Enter the details of the rates and exemptions required for the business partner as follows:

Table 47:

Purpose Tab Page Area of Tab Page Data Entry

Define the tax classification of a business partner in a given country and region.

Control Tax Classification Enter the tax types that make up the tax classification of the business partner.

For example, if a given bank customer is Iva Responsable Inscripto (VAT registered), you have to configure the business partner to have tax type VAT with tax group value 01, which corresponds to Iva Responsable Inscripto.

Store the following:

○ Special tax rates (Padrón) for gross income tax (GIT) and gross income tax perception (GITP) that apply to a business partner per region

○ A fiscal risk that the government can define for business partners in a given region

Tax Details Special Tax Rates Enter the special tax rates (Pádron) for GIT and GITP.

NoteIf a business partner is not entitled to any special rates for GIT or GITP in a particular region, the system uses the general tax rate that you enter on region level in Customizing for Financial Services un

der General

Localization Settings

Tax Manager Specify

Tax Rates (see Specify Tax Rates [page 18]).

If required, enter the fiscal risk for the tax types that you enter in Special Tax Rates section of the Tax Details tab page.

Store tax exemptions or waivers for which a business partner is eligible.

Tax Details Tax Exemptions Enter the percentage waiver or exemption that applies to a particular tax type for a business partner.


Example

Assume that one of your bank's customers is eligible for a tax waiver of GIT in Buenos Aires and has an exemption certificate for VAT perception (VATP) as follows:

● A lower rate of 1% for GIT in Buenos Aires● Tax exemption of 20% for VATP

To enable the system to process the tax calculations correctly, enter the following data on the Tax Details tab page of the Maintain Business Partner (BP) transaction:

Special Tax Rates

Table 48:

Tax Type Region Valid From Valid To Tax Rate Fiscal Risk

GIT 00 01.01.2000 31.12.9999 1.0 n/a

Tax Exemptions

Table 49:

Tax Type Country Region Valid From Valid To Exemption

VATP AR n/a 01.01.2000 31.12.9999 20%

3.4 Configuration for Interest on Arrears

3.4.1 Introduction

This section describes how to configure the system to process interest on arrears (IoA) in line with requirements in Argentina.

NoteFor more information about the business processes and functions related to IoA processing, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP ArgentinaAccount Management (FS-AM) Loans Business Transactions for Loans Interest on Arrears (Argentina) .

3.4.2 Settings Delivered As Standard for IoA

Calculation Bases

Calculation Bases for Interest on Arrears Calculation



http://help.sap.com/disclaimer?site=http://help.sap.com/bankingservices80loc

For the calculation of interest on arrears (IoA), the standard delivery for Argentina contains the following calculation basis templates:

● LIOA_RC: Interest on Arrears Based on Periodic Calculation● LIOA_PC: Interest on Arrears Based on Calculation on Payment Date● LIOA_RC_AA: Interest on Arrears Based on Periodic Calculation + IOA on IOA● LIOA_PC_AA: Interest on Arrears Based on Calculation on Payment Date + IOA on IOA

If you want to create your own calculation bases, you can use the templates above for reference.

Calculation Bases for Taxes on IoA Calculation

For the calculation of taxes on IoA, the standard delivery for Argentina contains the following calculation basis templates:

● LIOA_RTX: Interest on Arrears Upon Taxes Based on Periodic Calculation● LIOA_PTX: Interest on Arrears Upon Taxes Based on Calculation on Payment Date● LIOA_RTXAA: Interest on Arrears Upon Taxes Based on Periodic Calculation + IOA on IOA● LIOA_PTXAA: Interest on Arrears Upon Taxes Based on Calculation on Payment Date + IOA on IOA


Interest on Arrears Types

IoA Types for Interest on Arrears Calculation

For the calculation of IoA, the standard delivery for Argentina contains the following IoA types:

● APCI: Interest on Arrears Paym Date● ARCI: Interest on Arrears Regular

IoA Types for Taxes on IoA Calculation

For the calculation of taxes on IoA, the standard delivery for Argentina contains the following IoA types:

● APTX: Interest on Arrears Paym Date upon Taxes● ARTX: Interest on Arrears Regular upon Taxes

Tax Operations

For the calculation of taxes on IoA, the standard delivery for Argentina contains the following tax operations:

Table 50:

Tax Op ID Debit Oper Description

16 X IOA PUNITORIO

17 X IOA COMPENSATORIO



18 X IOA PUNITORIO UPON TAXES

19 X IOA COMPENSATORIO UPON TAXES

3.4.3 Configuration for Calculation Bases


For the calculation of interest on arrears (IoA), you can use the calculation basis templates delivered for Argentina (see Settings Delivered As Standard for IoA [page 52]). However, if you want to create your own calculation bases, you must make the settings described below.

3.4.3.2 Create Interest on Arrears Type

Use

You define interest on arrears (IoA) types and associate them with a calculation class as described below. Note that the system includes the following template IoA types:

● APCI: Interest on Arrears Paym Date● ARCI: Interest on Arrears Regular● APTX: Interest on Arrears Paym Date upon Taxes● ARTX: Interest on Arrears Regular upon Taxes

You can use these templates to create your own IoA types.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Interest on Arrears Define IoA Types .

2. Choose New Entries and enter the following data:

Table 51:

Field Entry

IoA Type Enter a name for your interest on arrears type, for example, Z_IOA.



Field Entry

IoA Type Description Enter a description for your IoA type.

Interest on Arrears Calculation Class Enter one of the standard calculation classes below or your own custom calculation class:

○ /FSGLO/CL_IOA_CALCULATORCalculator for Interest on Arrears Based on Periodic Calculation

○ /FSGLO/CL_IOA_PAY_CALCULATORCalculator for Interest on Arrears Based on Payment Date


3.4.3.3 Assign Turnover Classes to IoA Type

1. In Customizing for Financial Services, choose General Localization Settings Interest on Arrears Assign Turnover Classes to IoA Type .


Table 52:

Field Entry

IoA Type Enter the ID of the IoA type that you created in the Define IoA Types Customizing activity (for example, Z_IOA).

Turn.Class Enter any turnover class that corresponds to the installment items whose amounts are used as the basis for IoA calculation, for example, interest (L013), deferral (L223), and capital (L023).

NoteDo not use the turnover class L053 (Insurance Int: Owed) for exponential calculation method. Instead, use the exponential calculation basis formula on the condition type, such as LIOA_PC_AA or LIOA_RC_AA).



3.4.3.4 Create Calculation Basis for IoA Type

1. In Customizing for Financial Services, choose Foundation Cash flow Calculator Define Customer Calculation Bases and Display SAP Calculation Bases .


Table 53:

Field Entry

Calculation Basis Enter a name for your calculation basis (for example, Z_IOA).

Cal. Basis Description Enter any description as required.

3. On the Formula Edit screen, choose the IOA (Dispatch calculation basis for IoA) function.Your formula appears as IOA ( , ).

4. Place your cursor in the first field of the formula and choose the Constant pushbutton.5. Enter the IoA type that you created in the Define IoA Types Customizing activity (see Create Interest on

Arrears Type [page 347].6. Place your cursor in the second field of the formula and choose the String pushbutton.7. If you want to include posted IoA items in the calculation basis (that is, you want to charge IoA on IoA), enter X

in this field. Otherwise, leave this field blank.For example, if you used the IoA type Z_IOA, your formula can appear either as IOA( ‘Z_IOA’, ‘X’) or IOA(‘Z_IOA’, ‘’).


3.4.4 Create Condition Types for Interest on Arrears

Use

You define condition types for interest on arrears (IoA) processing for the following:

● IoA settlement● IoA repayment


Note● You must not maintain any date category for the pricing condition types for IoA. The IoA item is related to a

previous period, the period that is overdue.● You must maintain a date category for the repayment condition types for IoA.



Procedure

Create Condition Type for IoA Settlement



Table 54:

Field Entry


Condition Type Name Enter a name for your condition type, for example, Interest on arrears for Argentina.




Calc. Category 1010

Update Category Enter an update category that is relevant for the IoA type. For each IoA type, you must use a different update category as follows:

○ GIA0: Compensatorio

○ GA00: Punitorio

○ GA20 : Compensatorio on taxes

○ GA10 : Punitorio on taxes

Calc. Basis Enter any of the following IoA calculation basis templates or any other custom calculation basis you defined:

○ LIOA_RC○ LIOA_PC○ LIOA_RC_AA○ LIOA_PC_AA○ LIOA_RTX○ LIOA_PTX○ LIOA_RTXAA○ LIOA_PTXAA




Field Entry










Number Calendar 3


















Field Entry



Table 55:

Field Entry

Amt Categ. 105020




Table 56:

Field Entry

Posting Type W1

PstgType NgAdj. W2

PstingType PAdj. W1





Create Condition Type for IoA Repayment



Table 57:

Field Entry



Field Entry

Condition Type Name Enter a name for your condition type, for example, IOA Repayment for Argentina.




Calc. Category 1555

Update Category Enter an update category that is relevant for the IoA type. For each IoA type, you must use a different update category as follows:

○ GIA1: Compensatorio

○ GA01: Punitorio

○ GA21: Compensatorio on taxes

○ GA11: Punitorio on taxes

















Field Entry

Exch.rate type M
















Table 58:

Field Entry

Amt Categ. 160000



5. In the Dialog Structure, double-click the Date Category node and enter the following data:

Table 59:

Field Entry


6. Choose Enter.


7. In the Dialog Structure, double-click the Waiver node and enter the following data:

Table 60:

Field Entry

Posting Type W1

PstgType NgAdj. W2

PstingType PAdj. W1





3.4.5 Assign Condition Types to Condition Group Types

Use

To process financial condition types, you assign all condition types that are relevant for a given financial product to a condition group type. To execute the settlement and repayment conditions for loans, the standard system contains the condition groups 210 and 240, respectively. To meet your customer-specific requirements, you can assign the condition types specific to Argentina to these standard condition groups. Alternatively, you can use your own custom condition groups for loans settlement and loans repayment.

Prerequisites

You have created condition types for interest on arrears (IoA) settlement and IoA repayment. For more information, see Create Condition Types for Interest on Arrears [page 56].

Procedure


2. Select the condition group type 210 - Loan Settlement (or your custom condition group), double-click Condition Type in the Dialog Structure, and add the condition types that you created for IoA settlement.





3.4.6 Create Condition Group and Condition for Interest on Arrears

Use

To process interest on arrears (IoA) settlement, you define a condition group and the corresponding condition.

NoteDo not assign the condition type for IoA repayment to your condition group for inpayment agreement. If you do that, your condition for IoA repayment will be valid for the whole loan period. The financial condition for IoA repayment has to be created only on the day of the repayment, and it is valid only for that specific day. This financial condition is automatically created when a repayment occurs in an overdue loan account.

Prerequisites

You have created condition types for IoA settlement. For more information, see Create Condition Types for Interest on Arrears [page 56].

Procedure

Create Condition Group for IoA Settlement

1. On the SAP Easy Access screen, choose Financial Services Account Management Current SettingsFinancial Conditions Condition Group Edit Condition Group .

2. On the Condition Group Edit screen, choose the Create Condition Group pushbutton in the left frame.3. Enter the following data:

Table 61:

Field Entry

Condition Group Type You can select the standard one (Settlement: Loan Acct) or create your own equivalent one.

Condition Group Enter any number.


Field Entry

Condition Group Description Enter any description.

4. Choose Enter.5. Create the condition as described below.

Create Condition for IoA Settlement

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition type you created for IoA settlement.


Table 62:

Field Entry

Currency ARS

Valid From Enter the start date of the validity period

3. On the Calculation tab page, enter the following data:

Table 63:

Field Entry

Description of Condition Enter any description

Int. Calc. Method (Interest Calculation Method) 360/360

Percentage Rate Debit interest rate


3.4.7 Configure Loan Product Attributes for IoA

Use

To enable the system to process interest on arrears (IoA) in line with the requirements for Argentina, configure the product attributes for your loan account product as described in this section.

Prerequisites

● You have created a loan account product.● You have defined a condition group for interest on arrears. For more information, see Create Condition Group

and Condition for Interest on Arrears [page 63].



● You have created turnover classes for IoA. For more information, see .● You have created clearing categories for IoA in your Open Item Management System.

Procedure

1. Change your loan account product in Customizing for Financial Services, under Account ManagementProduct Management Product Definition Account Products Change Account Product .

2. In the product attributes structure, configure the product attributes as described below:

○ In Used Attributes Financial Conditions Condition Groups Condition Group , enter the condition groups you created for IoA.

○ Activate the product attribute Generate Number of Installments under Used Attributes Country-Specific Attributes General Localization Interest on Arrears .

○ Activate the product attribute Calculate Interest on Arrears under Used Attributes Country-Specific Attributes General Localization Interest on Arrears .

○ In Used Attributes General Settlement Attributes Relevant to Clearing Logical Turnover Class , assign the following logical turnover classes to real turnover classes:

Table 64:

Logical Turnover Class Real Turnover Class

GIA0 Enter the real turnover class created for IoA settlement.

GIA1 Enter the real turnover class created for IoA billing.

GIA2 Enter the real turnover class created for IoA repayment.

GA00 Enter the real turnover class created for IoA settlement.

GA01 Enter the real turnover class created for IoA billing.

GA02 Enter the real turnover class created for IoA repayment.





















3. Save and activate your product.

3.4.8 Configuration for Disbursement with IoA for Argentina


This section describes the settings to configure the system to process interest on arrears on disbursement, in line with the requirements for Argentina.

3.4.8.2 Assign Transaction Types for OIM Payment Distribution Types

Prerequisites

To configure the relation between payment distribution usage category, payment distribution type, and open item management transaction type, you make the settings described in this section.



Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Assign Trans. Types for OIM System to Paymnt. Distr. Types .


Table 65:

Usage Cat. Trsn Type PD Type Desc.

008 GA01 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003












008 GAA1 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003

008 GAB1 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003

008 GAC1 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003

008 GIA1 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003

008 GTX1 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003


3.5 Configuration for Gross Income Tax Perception on Loan Installment

3.5.1 Introduction

This section describes how to configure the system to calculate gross income tax perception (GITP) during installment payment.

NoteThe following configuration steps describe how to configure GITP on loan installment (using GITL tax type). They are complementary to the GITP tax type, which is related to deposits accounts and loans special operations.



3.5.2 Create Condition Types for GITP on Loan Installment

Use

You define condition types for gross income tax perception (GITP) on loan installment for the following items:

● Condition types for settlement:○ GITP on Loan Installment○ GITP on Loan Installments on Arrears○ GITP on Loan Installment IoA Limit

● Inpayment Agreement Condition Types for Repayment:○ GITP on Loan Installment○ GITP on Loan Installment in Arrears


Note● Do not assign the condition types for GITP on Loan Installment Settlement to your condition group. The

financial condition is used by the tax manager.● The system automatically creates an individual financial condition for the GITP on Loan Installment in

arrears repayment condition type when a repayment occurs in an overdue loan account. So, you do not need to assign this condition type to your condition group for inpayment agreement.

Procedure

Create Condition Types for GITP on Loan Installment Settlement

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Condition Type


Table 66:

Field Entry

Condit. Type Enter a code for your condition type, for example, 990092

Condition Type Name Enter a name for your condition type, for example, GITP on Loan Installment





Field Entry

Calc. Category 1555

Update Category Enter an update category that is relevant for the GITP Over Payment Loan Installment Type. For each financial conditions, you must use a different update category as follows:

○ GAC0: GITP on Loan Installment○ GAB0: GITP on Loan Installment in Arrears○ GAB0: GITP on Loan Installment IoA Limit

Calc. Basis Leave field blank

Posting Type Enter V5 or choose your own posting type for GITP on Loan Installment

PstingType PAdj Enter V5 or choose your own posting type for GITP on Loan Installment

PstgType NgAdj. Enter 13 or choose your own posting type for GITP on Loan Installment

ProcResCat Leave field blank

Proc. Res. Positive Leave field blank

ProcResultCategNeg Leave field blank

Process Result Type Leave field blank



Ref. Cond. Type Leave field blank


Number Calendar 3


Exch.rate type Leave field blank


Waiver Method Leave field blank





Field Entry


Bal. Time Type Leave field blank



Overlap Leave field blank

RefIntRatAssign No Reference Interest

One-time Cond. Deselected




3. Choose Enter4. In the Dialog Structure, double-click the Amount Category note and enter the following data:

Table 67:

Field Entry

Amt Categ. 105020


Other columns Leave all checkboxes deselected

5. Choose Enter6. Save your entries.

Create Condition Type for GITP on Loan Installment Repayment



Table 68:

Field Entry

Condit. Type Enter a code for your condition type, for example, 801101




Field Entry


Calc. Category 1555

Update Category Enter an update category that is relevant for the GITP Over Payment of Loan Installment Type. For each financial condition, you must use a different update category as follows:

○ GAC1: GITP on Loan Installment○ GAB1: GITP on Loan Installment in Arrears

Calc. Basis Leave field blank

Posting Type Enter C8 or choose your own posting type for GITP on Loan Installment

PstingType PAdj Leave field blank

PstgType NgAdj. Leave field blank

ProcResCat Leave field blank

Proc. Res.Positive Leave field blank

ProcResultCategNeg Leave field blank

Process Result Type 00300041


Determ. Time Ind. Con Use Conditions at Calculation Time

Ref. Cond. Type 0


Number Calendar 3


Exch.rate type M


Waiver Method Leave field blank






Field Entry

Bal.Time Type 0



Overlap 0

RefIntRatAssign For Debit Balances




Event AccountBilling Deselect

3. Choose Enter4. In the Dialog Structure, double-click the Amount Category node and enter the following data:

Table 69:

Field Entry

Amt Categ. 160000


Capitaliz. Selected


Other columns Leave all checkboxes deselected

5. Choose Enter6. In the Dialog Structure, double-click the Date Category node and enter the following data:

Table 70:

Field Entry

Date Cat 220010: Calculation


7. Choose Enter8. Save your entries.


3.5.3 Assign condition Types to Condition Group Types

Use

To process financial condition types, you assign all condition types that are relevant for your financial product to a condition group type. To execute the repayment conditions for loans, the standard system contains the condition group 240. To meet your system requirements, you can assign the condition types that are specific for Argentina to this standard condition group. Alternatively, you can use your own condition groups for loans repayment.

Prerequisites

You have created condition types for GITP on Loan Installment repayment in Create Condition Types for GITP on Loan Installment [page 69].

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Condition Group Type

2. Select the condition group type 240 - Payment: Loans (or your custom condition group type), double-click Condition Type in the Dialog Structure, and add the condition types that you created for GITP on Loan Installment Repayment.


3.5.4 Tax Manager Configuration for GITP on Loan Installment


To customize tax manager according to the requirements for tax calculation for gross income tax perception (GITP) on loan installment, follow the steps below.

NoteFor more information about the configuration settings for tax manager, see Configuration for Tax Manager [page 11].



3.5.4.2 Define Tax Item Types

Use

In this step, you create tax item types for input and for posting as follows:

Table 71:

Tax Item Types for Input Tax Item Types for Posting

● Installment charges receivable● Nominal interest receivable● Installment fees receivable● Insurance premium receivable● Installment IoA limit

● GITP on loan installment● GITP on loan installment in arrears




Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Item Types


Table 72:


Enter any ID for the tax item type for input, for example, 22. Enter a description of your choice, for example, Nominal Interst Receivable

Enter any ID for the tax item type for posting, for example, 500058

Enter a description of your choice, for example, GITP on Loan Installment



3.5.4.3 Assign Tax Item Types to Operations

Use

In this step, you assign the tax item types for gross income tax perception (GITP) on loan installment to the corresponding Tax Operation IDs. You make this assignment for the tax item types you created for input.

These assignments serve as a mapping between the transactions from the business landscape and the operations inside the tax manager.

Prerequisites

You have created the tax item types for input as described in Define Tax Item Types [page 75].

Procedure

1. In Customizing for Financial Services, choose General Localizations Settings Tax Manager Assign Tax Item Types to Operations

2. Enter the mapping assignments for all relevant tax item types:

Table 73:


Enter the code for your input tax item type for Installment Charges Receivable.

11

Enter the code for your input tax item type for Nominal Interest Receivable.

22

Enter the code for your input tax item type for Installment Fees Receivable.

23

Enter the code for your input tax item type for Insurance Premium Receivable.

24

Enter the code for your input tax item type for Installment IoA Limit.

25




3.5.4.4 Assign Condition Types to Tax Item Types

Use

In this step, you assign the tax item types you created for input and posting to the corresponding condition types.

Prerequisites

● You have created the condition type as described in Create Condition Types for GITP on Loan Installment [page 69].

● You have created the tax item types as described in Define Tax Item Types [page 75].

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Transaction Types and condition Types to Tax Item Types

2. Enter the mapping assignments for all the relevant condition types.Condition Types for Input

Table 74:


Enter the code of your condition type for installment charges receivable.

Leave field blank Enter the code of your tax item type for installment charges receivable.

Enter the code of your condition type for nominal interest receivable.

Leave field blank Enter the code of your tax item type for nominal interest receivable.

Enter the code of your condition type for installment fees receivable.

Leave field blank Enter the code of your tax item type for installment fees receivable.

Enter the code of your condition type for insurance premium receivable.

Leave field blank Enter the code of your tax item type for insurance premium receivable.

Enter the code of your condition type for installment IoA limit.

Leave field blank Enter the code of your tax item type for installment IoA limit.

Condition Types for Posting


Table 75:


Enter the code of your condition type for GITP on loan installment.

Leave field blank Enter the code of your tax item type for GITP on loan installment.

Enter the code of your condition type for GITP on loan installment in arrears.

Leave field blank Enter the code of your tax item type for GITP on loan installment in arrears.


NoteYou can define as many input condition types as necessary for each GITP on Loan Installment related tax item type.

For posting condition types you must define only one input condition type for GITP on Loan Installment and another input condition type for GITP Loan Installment in Arrears.

3.5.4.5 Assign Posting Transactions to Operations

Use

In this step, you assign tax manager operations to the tax types and tax item types that you use for gross income tax perception (GITP) on loan installment.

Prerequisites

You have created the tax item types for posting as described in Define Tax Item Types [page 75].

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Posting Transactions to Operations

2. Enter the mapping assignments for all tax operations delivered for gross income tax perception over payments on loan installment and tax item types for posting as follows:Tax Item Type for GITP on Loan Installment



Table 76:


11 GITL Enter the code for your tax item type for GITP on Loan Installment.




Tax Item Type for GITP on Loan Installment on Arrears

Table 77:


16 GITL Enter the code for your tax item type for GITP on Loan Installment on Arrears.








3.5.4.6 Specify Tax Rates

3.5.4.6.1 Specify Tax Rates

Use

In Argentina, Gross Income Tax Perception (GITP) rate is determined according to the region.

You maintain this rate for GITP on Loan Installment as described below.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Rates

2. Enter the GITP on loan installment (GITL) rate for each relevant combination of region and validity period as shown below:

Table 78:

Field Entry

Tax Rate ID Enter the tax limit ID, for example, 31

Start Date 01.01.2000

End Date 31.12.9999

Tax Rate Enter the current rate based on legislation, for example, 2,0000000000.

Tax Type GITL

Country AR

Region Enter as required, for example, 00.




3.5.4.6.2 Tax Rate for Corrientes with Business Partner Tax Classification Registered

Use

In the province of Corrientes (region 04), gross income tax perception (GITP) has a specific rate when the business partner is classified as registered. For more information about the rates, see Define Business Partner Tax Classification [page 24].

These parameters specify the rate to be applied for Corrientes when the business partner is classified as registered and when the business partner is not classified as registered.

Procedure

NoteIf gross income tax perception (GITP) calculation for the province of Corrientes (region 04), you do not need to configure these parameters.

1. In Customizing for Financial Services, choose General Localization Settings Configure Localization Parameters

2. Choose the localization country ARGENTINA and the parameter group TAX_MANAGER.3. Configure the parameters as described below:

Table 79:


GITP CORRIENTES_REGISTERED_TAXRATE Enter the applicable rate for calculation in Corrientes with tax classification registered.

GITP CORRIENTES_OTH_TAXCLASS_TXRATE

Enter the applicable rate for calculation in Corrientes without tax classification registered.

For more information about the parameter, see the corresponding documetation in the system.


3.5.4.7 Specify Tax Limits

Use

In Argentina, gross income tax perception (GITP) is calculated only if the sum of the base amounts reaches a limit defined by law.

You maintain this limit for GITP on Loan Installment as described below.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Limits

2. Enter the GITP on Loan Installment (Tax Type GITL) limit for each relevant combination of region and validity period as shown below:

Table 80:

Field Entry

Tax Limit ID Enter the tax limit ID, for example, 31


End date 31.12.9999

Minimum Amt Enter the current limit based on legislation, for example, 200,00.

Maximum Amt 0

Tax Type GITL

Country AR


Limit Appl BA Base Amount

C.key ARS

Exemp. Rule Total Exempted




3.5.4.8 Specify Tax Assignments

Use

Tax assignments specify the tax types that apply to a given tax operation within a country and region. If applicable, you can define specific classes to handle special cases for rate and limit determination. You maintain the tax assignments as described below.

Prerequisites

You have configured the Argentina taxes on Interest on Arrears, see Configuration for Taxes on Interest on Arrears [page 36].

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Assignments

2. Enter GITL tax type with all tax operations delivered for Argentina for the required regions:

Table 81:

Field Entry

Country AR


Tax Op ID Enter a tax operation ID, which can be the following:

○ 11: LOANS RECEIVABLES - CHARGES○ 16: IOA PUNITORIO○ 17: IOA COMPENSATORIO○ 18: IOA PUNITORIO UPON TAXES○ 19: IOA COMPENSATORIO UPON TAXES○ 22: LOANS RECEIVABLES - NOM. INT.○ 23: LOANS RECEIVABLES - FEES○ 24: LOANS RECEIVABLES - INSURANCE○ 25: LOANS RECEIVABLES - LIMIT

Tax Type GITL



Field Entry

End date 31.12.9999

Pred. Tax type Leave field blank

Rate Determiner Enter the standard class below or your custom rate determiner class:

○ /FSLAR/CL_GITL_DETERMINE_RATE

Limit Determiner Enter the standard class below or your custom limit determiner class:

○ /FSLAR/CL_GITL_DETERMINE_LIMIT

Reference Data Control /FSLAR/CL_ARGENTINA_DATA_CNTRL


3.5.5 Configure Localization Parameters

Use

This section describes the necessary localization parameters that you need to configure.

Prerequisites

You have specified the business partner (BP) roles for gross income tax perception in Specify Business Partner Roles for Gross Income Tax Perception [page 28].

Procedure


2. Choose the localization country ARGENTINA and the parameter group TAX_MANAGER.



3. Configure the parameters as described below:

Table 82:


GITP BP_ROLE_SPECIAL_RATE Enter all BP partner roles that the system considers for GITP special tax rate rules.

For more information about the BP_ROLE_SPECIAL_RATE parameter, see the corresponding documentation in the system.

3.5.6 Configure Loan Product Attributes for GITP Calculation

Use

This session describes how to configure a product for a loan account that calculates GITP on its installments.

Procedure

1. Change your loan account product in Customizing for Financial Services, under Account Management Product Management Product Definition Change Account Product .

2. In the product attributes structure, under Used Attributes General Settlement Attributes Relevant to Clearing Logical Turnover Class ,assign the following logical turnover classes to real turnover classes:

Table 83:


GAB0 Enter the real turnover class created for GITP on loan installment in arrears settlement.

GAB1 Enter the real turnover class created for GITP on loan installment in arrears billing.

GAB2 Enter the real turnover class created for GITP on loan installment in arrears repayment.

GAC0 Enter the real turnover class created for GITP on loan installment settlement.

GAC1 Enter the real turnover class created for GITP on loan installment billing.



GAC2 Enter the real turnover class created for GITP on loan installment repayment.

3. Save your entries.4. Activate your product.



4 Configuration Information for Brazil

4.1 Introduction

This section describes the configuration information that is necessary to meet legal requirements and conduct business according to common practices in Brazil.

The configuration information for Brazil comprises the following topics:

● Localization-specific implementation for Business Add-Ins (BAdIs)● Sample financial products● Branch calendars● Checkbook management● Tax calculation (withholding tax on corporate savings accounts; IOF on loans)● Payment processing● Payment advice● Compound interest on loans● Inflation adjustment on loan installments● Interest on arrears (IoA)

4.2 Activate Localization-Specific Implementations for Business Add-Ins

Use

To enable the localization for Brazil to meet legal and business requirements, you must activate certain implementations of country-specific Business Add-Ins (BAdIs).

Banking Services from SAP 8.0, Localization for Latin AmericaConfiguration Information for Brazil C U S T O M E R 87

Procedure

1. For each of the Brazil-specific BAdI implementations that you want to activate, follow the Customizing path listed on the following table:

Table 84:


BAdI Implementation




of Payments

Customizing Path

/FSGLO/BCA_OR_DISB_CHECKS

/FSGLO/DISBURSEMENT_CHECKS

Implementation: Checks for Disbursement


Order Management Account Order

Disbursement (Loans) Business Add-Ins

(BAdIs) BAdI: Entry and Consistency

Checks

/FSGLO/BCA_OR_PAYF_CHECKS

/FSGLO/PAYOFF_CHECKS

Implementation: Checks for Payoff


Order Management Account Order Early

Payoff (Loans) Business Add-Ins (BAdIs)BAdI: Payment Receipt and Consistency

Checks

/FSGLO/BCA_SETTL_CALC

/FSGLO/COMPRESS_DETAILS_SETTL

Localization compress details


Product Management Settlement Business

Add-Ins (BAdIs) Enhancements in Calculation

Layer BAdI: Compress Settlement Details

/FSLBR/POSTPONE_SETTL_EXEC

/FSLBR/DETERM_DEFAULT_SAMPLE

Implementation: Payment Default upon Exceeding Committed Limit


Contract Management Account Business

Add-Ins (BAdIs) Country-Specific Settings

Brazil BAdI: Retrieval of Information About

Payment Default


Configuration Information for Brazil


BAdI Implementation




of Payments

Customizing Path


/FSGLO/BD_SI_F8_LOAN_PLA_CHG

Loans Taken Implementation

Financial Services Bank Analyzer




eListAdaptationBulkChanged


/FSGLO/BD_SI_F8_LOAN_PLA_CRE

Example Implementation Financial Services Bank Analyzer




eListAdaptationBulkCreated


/FSGLO/CN_LC_PLADAPT_BLK

Implementation: InformOfContractPrice





Object LoanContract BAdI for InformOfContractPriceListAdaptationCreationA

sBulk


/FSGLO/CN_LC_PLADAPT_CH_BLK

Badi Implementation for replicating loans taken to Bank Analyzer





Object LoanContract BAdI for InformOfContractPriceListAdaptationChangeAs

Bulk



BAdI Implementation




of Payments

Customizing Path

/FSGLO/BCA_PO_SOUT

/FSGLO/PO_REQ_PAYM_ORD

BAdI Definition for Service Operation CollectivePaymentOrderRequest




rRequest BAdI for

ReadPaymentOrderRequest

/FSGLO/BCA_PO_SOUT

/FSGLO/PO_REQ_PAYM_ORD_BLK

BAdI implementation for RequestPaymentOrdersAsBulk




rRequest BAdI for

RequestPaymentOrdersAsBulk

2. Select the Active (IMG) checkbox that corresponds to the BAdI implementation.3. Choose the Finished pushbutton.

4.3 Sample Financial Products

4.3.1 Introduction

This section describes the sample financial products that are configured for use in Brazil. The financial products are templates that you can use to create and configure financial products to meet your requirements.

The guide comprises settings that are delivered as standard and settings that you must make in the areas of Customizing and master data.

The standard delivery for Brazil contains the following sample financial products:

● Checking Account [page 91]● Time Deposit [page 117]● Savings Account for Private Individuals and Nonprofit Organizations [page 126]● Savings Account for Corporates [page 139]● Loans Taken Account [page 171]



● Fund Pool Account [page 179]● Loans Given Account [page 183]

4.3.2 Checking Account


The sample checking account allows you to meet legal requirements in Brazil.

NoteFor more information about the business processes and functions related to checking accounts for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAPBrazil Account Management (FS-AM) Deposits Checking Accounts .

4.3.2.2 Settings Delivered As Standard

Product Templates

The standard delivery for Brazil contains the following product template for checking accounts: _ACCT_C_BR.

Product Attributes

This section contains the product-specific attributes that are necessary to meet requirements in Brazil. You access the product attributes in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Change Account Product .

Table 85:

Product Attribute Path in Product Attribute Description

Track with Settlement on Payoff Used Attributes Country-Specific

Attributes Brazil Taxes IOF

Checking Account Settlement Tracks

Suspended on Payment Default

Indicates a settlement track for the financial conditions that the system must suspend when a bank customer contract is in default and resume immediately after the contract ceases to be in default.



Product Attribute Path in Product Attribute Description

Track with Settlement on Periodic Run Used Attributes Country-Specific




Indicates a settlement track for the financial conditions that the system must suspend when a bank customer contract is in default and resume during the next periodic settlement after the contract ceases to be in default.

Calculation Bases

This section contains the calculation bases that are necessary to meet requirements in Brazil. You access the product attributes in Customizing for Financial Services under Account Management Product ManagementFinancial Conditions Define Customer Calculation Bases and Display SAP Calculation Bases .

Calculation Bases for IOF Calculation Aggregated Over the Total Debit Balance

Table 86:

Calculation Basis Description

IOF_ADD Use this calculation basis to enable the system to calculate additional financial operation tax (IOF) over the total debit balance.

IOF_REG Use this calculation basis to enable the system to calculate regular IOF over the total debit balance.

Calculation Bases for IOF Calculation Separated Over Committed Limit and Tolerated Limit

Table 87:

Calculation Basis Description

IOF_ADD_C Use this calculation basis to enable the system to calculate additional IOF over the committed limit.

IOF_REG_C Use this calculation basis to enable the system to calculate regular IOF over the committed limit.

IOF_ADD_T Use this calculation basis to enable the system to calculate additional IOF over the tolerated limit.

IOF_REG_T Use this calculation basis with a condition type to enable the system to calculate regular IOF over the tolerated limit.



Localization Parameters

This section contains the parameter that is required to meet requirements in Brazil. You access the parameter in Customizing for Financial Services under General Localization Settings Configure Localization Parameters .

For more information about the parameter, see the corresponding documentation in the system.

Table 88:

Parameter Group Parameter Subgroup Parameter Name Parameter Value

IOF CHECKING_ACCOUNT MAX_DAYS 365

4.3.2.3 Configuration Steps in Customizing


To use the product that you create on the basis of the sample financial product, you make the settings described below.

NoteBy using the settings described below, the system calculates IOF separately over the committed limit and over the tolerated limit. To configure the system to calculate IOF over the total debit balance with no distinction between the committed limit and the tolerated limit, you can follow the same steps analogously.

4.3.2.3.2 Define Settlement Types

Use

To enable the system to calculate the settlement results in alignment with requirements in Brazil, you define two separate settlement types; one for the calculation and postings of IOF over the committed limit, and another for the tolerated limit.

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management SettlementDefine Settlement Types .



Table 89:

Sett. Type Settlement Type Session Capitalize

Enter any key for IOF settlement over the committed limit.

Enter any description. Definitive Deselected

Enter any key for IOF settlement over the tolerated limit.

Enter any description. Definitive Deselected

4.3.2.3.3 Define Settlement Tracks

Use

To enable the system to suspend the calculation and postings of IOF for contracts in payment default, you define two separate settlement tracks, one for each settlement type created in the previous step.

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management SettlementExtended Settlement Define Settlement Tracks .


Table 90:

Track ID Name of Track CYT-Relev.

Enter any key for the settlement track for IOF over the committed limit.

Enter any name. Deselected

Enter any key for the settlement track for IOF over the tolerated limit.

Enter any name. Deselected



4.3.2.3.4 Create Posting Types

Use

You define the posting types, for example, settlement postings, that the system generates automatically when it calculates taxes on a checking account. You organize the postings internally in the system by means of posting types.

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsMaintain Posting Types .

2. Create posting types for regular IOF and additional IOF, including the respective posting types for positive adjustment and negative adjustment, as follows:

Table 91:

Posting Type Credit Memo Process Desc. Posting Type

Enter any key for additional IOF.

Deselected 0140 Enter any description.

Enter any key for regular IOF.


Enter any key for plus additional IOF.


Enter any key for minus additional IOF.

Selected 0090 Enter any description.

Enter any key for plus regular IOF.


Enter any key for minus regular IOF.

Selected 0090 Enter any description.

4.3.2.3.5 Maintain and Assign Transaction Types for Payment Items

Use

To enable the system to calculate and adjust the postings of regular IOF and additional IOF, you define the transaction types that the system uses to control the processing of payment items.


Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsTransaction Types and Transaction Type Groups Maintain and Assign Transaction Types for Payment

Items .2. Enter transaction types for regular IOF and additional IOF, including the respective transaction types for credit

and debit from adjustment, as follows:

Table 92:

Transaction Type

Description Trans. Type

Item Type Reversal Display Payment Notes

Other P/R

TT Group Posting Chec

Business Trans. Code

TTGroup Pst Ctrl Rules

TT Grp CrcyExc

Enter any key for regular IOF.

Enter any description.

04 Selected Selected A 0900 1100 808 Internal

Enter any key for additional IOF.


04 Selected Selected A 0900 1100 808 Internal

Enter any key for credit from adjustment of regular IOF.


04 Selected Selected 0900 1100 817

Enter any key for debit from adjustment of regular IOF.


04 Selected 1900 1100 817

Enter any key for credit from adjustment of additional IOF.


04 Selected Selected 0900 1100 817



Transaction Type

Description Trans. Type

Item Type Reversal Display Payment Notes

Other P/R

TT Group Posting Chec

Business Trans. Code

TTGroup Pst Ctrl Rules

TT Grp CrcyExc

Enter any key for debit from adjustment of additional IOF.


04 Selected 1900 1100 817

4.3.2.3.6 Assign Posting Types to Transaction Types

Use

To enable the system to post items in the corresponding accounts, you must assign posting types to transaction types in the correct sequence.

Prerequisites

You have defined the posting types and transaction types that you require in your system (see Create Posting Types [page 95] and Maintain and Assign Transaction Types for Payment Items [page 95]).

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsAssign Posting Types to Transaction Types .

2. Create the following entries to assign the posting types to the transaction types you created in the previous steps:

Table 93:

PT (Posting Type) TranTy (Transaction Type)

Enter the posting type that you have created for additional IOF.

Enter the transaction type that you have created for additional IOF.


PT (Posting Type) TranTy (Transaction Type)

Enter the posting type that you have created for regular IOF.

Enter the transaction type that you have created for regular IOF.

Enter the posting type that you have created for minus additional IOF.

Enter the transaction type that you have created for adjustment of debit from additional IOF.

Enter the posting type that you have created for plus additional IOF.

Enter the transaction type that you have created for adjustment of credit from additional IOF.

Enter the posting type that you have created for minus regular IOF.

Enter the transaction type that you have created for adjustment of debit from regular IOF.

Enter the posting type that you have created for plus regular IOF.

Enter the transaction type that you have created for adjustment of credit from regular IOF.

4.3.2.3.7 Create Financial Condition Types

Use

You create condition types to enable the system to calculate regular IOF and additional IOF separately over the committed limit and the tolerated limit on a checking account.

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Financial Condition Define Condition Type .

2. Create the following condition types as described in the subsections below.

Condition Type for Regular IOF Over Committed Limit

Table 94:

Field Entry

Condition Type Enter any name.


Settlement Interest




Field Entry


Debit Interest

Calculation Category 1010

Balance Interest Calculation

Update Category 1011

Interest: To be Capitalized

Calculation Basis IOF_REG_C

Posting Type Enter the posting type that you have created for regular IOF.

Posting Type Adj Enter the posting type that you have created for plus regular IOF.

Posting Type NgAdj Enter the posting type that you have created for minus regular IOF.


Under Amount Category, enter the following data:

Table 95:

Field Entry Optional/Mandatory

Amount Category 105020

(Debit Interest)

Mandatory

Condition Type for Regular IOF Over Tolerated Limit

Table 96:

Field Entry



Settlement Interest



Overdraft Interest


Field Entry





Calculation Basis IOF_REG_T




RefIntRatAssign For Overdraft Balances


Table 97:



(Overdraft Interest)

Mandatory

Condition Type for Additional IOF Over Committed Limit

Table 98:

Field Entry



Settlement Interest



Debit Interest





Field Entry



Calculation Basis IOF_ADD_C






Table 99:



(Debit Interest)

Mandatory

Condition Type for Additional IOF Over Tolerated Limit

Table 100:

Field Entry



Settlement Interest



Overdraft Interest





Calculation Basis IOF_ADD_T


Field Entry




RefIntRatAssign For Overdraft Balances


Table 101:



(Overdraft Interest)

Mandatory

4.3.2.3.8 Assign Financial Condition Types to Condition Group Type

Use

To process financial condition types, you assign all condition types that are relevant for a given financial product to a condition group type. To meet country-specific and customer-specific requirements, you assign the Brazil-specific condition types to the standard condition group for settlement on checking accounts.

Prerequisites

You have created the financial condition types, for example, for additional IOF and regular IOF, that you require for your financial product (see Create Financial Condition Types [page 98]).

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Condition Group Types .



2. Select the 1 - Settlement: Current Acct condition group type, double click Condition Type in the left frame, and add the condition types that you created for additional IOF and regular IOF (see Create Financial Condition Types [page 98]).


Table 102:

Field Entry

Condition Type for Regular IOF Over Committed Limit

Enter the condition type that you have created for regular IOF over the committed limit.

Condition Type for Regular IOF Over Tolerated Limit

Enter the condition type that you have created for regular IOF over the tolerated limit.

Condition Type for Additional IOF Over Committed Limit

Enter the condition type that you have created for additional IOF over the committed limit.

Condition Type for Additional IOF Over Tolerated Limit

Enter the condition type that you have created for additional IOF over the tolerated limit.

4.3.2.3.9 Create Product and Configure Attributes

4.3.2.3.9.1 Create Checking Account Product

Use

To use the product that you create on the basis of the sample financial product, you make the settings described below.

Prerequisites

You have performed all previous configuration steps listed in Configuration Steps in Customizing [page 93] and created the financial conditions that are described in Master Data Settings [page 108].

Procedure

1. Create your own checking account product in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Create Account Product .



Table 103:

Field Entry

New Product Enter the technical name of your product.

Template Product _ACCT_C_BR

Product Version 0001

3. Choose Enter.4. On the Product Create: Administration screen, enter a description and validity period for the product and

choose Enter.

5. In the product attribute structure, choose Financial Conditions Condition Groups Condition Group .6. Enter the IDs that you want to use for the following condition groups (see Master Data Settings [page 108]):

○ Settlement○ Transactions○ Events

7. Complete the master data settings described below and then save and activate your product.

4.3.2.3.9.2 Configure Attributes for Checking Account Product

Use

To enable the system to perform and control the calculation of taxes correctly, the system uses a set of product attributes for checking accounts. In this section, you configure the product that you created based on the sample product to meet requirements in Brazil.

Prerequisites

You have configured settlement types (see Define Settlement Types [page 93]), settlement tracks (see Define Settlement Tracks [page 94]), and condition groups (see Create Condition Group and Conditions for Settlement [page 109]).

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Product Definition Account Products Create Account Product .

2. To meet requirements in Brazil, configure the product attributes in the tables below.

Financial Conditions



Condition Group for IOF Over Committed Limit

Table 104:

Name of Product Attribute Path to Product Attribute Entry

Condition Group Category Used Attributes Financial

Conditions Condition Groups

1 - Settlement

Settlement Type Used Attributes Financial


Enter the settlement type that you have created for IOF settlement over the committed limit (see Define Settlement Types [page 93]).

Condition Group Type Used Attributes Financial


1 - Settlement: Current Acct

Condition Group Used Attributes Financial


Enter the condition group that you have created for IOF over the committed limit (see Create Condition Group and Conditions for Settlement [page 109]).

Condition Group for IOF Over Tolerated Limit

Table 105:




1 - Settlement



Enter the settlement type that you have created for IOF settlement over the tolerated limit (see Define Settlement Types [page 93]).



1 - Settlement: Current Acct



Enter the condition group that you have created for IOF over the tolerated limit (see Create Condition Group and Conditions for Settlement [page 109]).

Extended Settlement

Settlement Track for IOF Over Committed Limit


Table 106:


Track Identification Number Used Attributes Extended

Settlement Settlement Tracks

Enter the settlement track that you have created for IOF over the committed limit (see Define Settlement Tracks [page 94]).

Periodically Used Attributes Extended


Selected

Period ID Used Attributes Extended


Enter a period ID as per business requirements.

Settlement Track for IOF Over Tolerated Limit

Table 107:


Track Identification Number Used Attributes Extended


Enter the settlement track that you have created for IOF over the tolerated limit (see Define Settlement Tracks [page 94]).

Periodically Used Attributes Extended


Selected

Period ID Used Attributes Extended


Enter a period ID as per business requirements.

Country-Specific Attributes

Table 108:


Track with Settlement on Payoff Used Attributes Country-Specific




● Set the traffic light to green.● Close the padlock.● Enter the settlement track that you

have created for IOF over the committed limit (see Define Settlement Tracks [page 94])

● Set the field modification to Hidden.




Track with Settlement on Periodic Run Used Attributes Country-Specific




● Set the traffic light to green.● Close the padlock.● Enter the settlement track that you

have created for IOF over the tolerated limit (see Define Settlement Tracks [page 94])

● Set the field modification to Hidden.

Save Product

Save and activate your product.

4.3.2.3.10 Define Job Nets

Use

To ensure the system calculates IOF correctly for checking accounts, you define the reports that need to be executed during the end-of-day processing, as described below.

Prerequisites

You have created at least one checking account product using the template delivered by SAP (_ACCT_C_BR).

Procedure

1. Define the report execution in Customizing for Financial Services under Account Management End-of-Day Processing Define Job Nets .

2. Double-click Process Flow Template to access this view, choose a process flow, and double-click Reports of the Process Flow Template.

3. Click the New Entries pushbutton to add a line for the Postpone Settlement Execution Date report, and enter the following data:

Table 109:

Field Entry

Report No. Enter any number.


Field Entry

Report /FSLBR/POSTPONE_SETTL_EXEC_PP

4. Double-click Predecessors <-> Successors, and click the New Entries pushbutton.5. Enter the following data to ensure that the Postpone Settlement Execution Date report runs after the change

of the posting date for payment transactions:

Table 110:

Field Entry

Report No. (First Column) 60

Report No. (Second Column) Enter the report number you created in step 3.

6. Click the New Entries pushbutton again and enter the following data to ensure that the Postpone Settlement Execution Date report runs before the change of the posting date for end-of-day processing:

Table 111:

Field Entry

Report No. (First Column) Enter the report number you created in step 3.

Report No. (Second Column) 150

7. Click the New Entries pushbutton again and enter the following data to ensure that the Postpone Settlement Execution Date report runs before the account settlement:

Table 112:

Field Entry




4.3.2.4 Master Data Settings


To use the checking account product that you create based on the sample product for Brazil, you enter the master data described below.



4.3.2.4.2 Create Condition Group and Conditions for Settlement

Use

To calculate IOF and interest over checking account limits, you define condition groups and the corresponding conditions.

Prerequisites

1. You have created the financial condition types for additional IOF and regular IOF (see Create Financial Condition Types [page 98]).

2. You have assigned the financial condition types to a condition group type (see Assign Financial Condition Types to Condition Group Type [page 102]).

Procedure

Create Condition Group for IOF Over Committed Limit



Table 113:

Field Entry

Condition Group Type Settlement: Current Account

Condition Group Any number

Condition Group Description Any description

4. Choose Enter.5. Create the conditions described below.

Create Condition for Additional IOF

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition for additional IOF over the committed limit that you previously created (see Create Financial Condition Types [page 98]).



Table 114:

Field Entry

Currency BRL

Valid From Start date of the validity period


Table 115:

Field Entry

Description of Condition Any description

Rounding Category Round to the Nearest

Percentage Rate 0.38


Rounding Unit 0

Interest Calc. (Exponential/Linear Interest Calculation) Straight-line

Create Condition for Regular IOF

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition for regular IOF over the committed limit that you previously created (see Create Financial Condition Types [page 98]).


Table 116:

Field Entry

Currency BRL



Table 117:

Field Entry



IntRateTimeUnit (Time Unit for Interest Rate) Interest Rate per Annum



Field Entry

Percentage Rate 1.5


Rounding Unit 0


Create Condition Group for IOF Over Tolerated Limit



Table 118:

Field Entry

Condition Group Type Settlement: Current Account




Create Condition for Additional IOF

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition for additional IOF over the tolerated limit that you previously created (see Create Financial Condition Types [page 98]).


Table 119:

Field Entry

Currency BRL



Table 120:

Field Entry



Field Entry




Rounding Unit 0


Create Condition for Regular IOF

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition for regular IOF over the tolerated limit that you previously created (see Create Financial Condition Types [page 98]).


Table 121:

Field Entry

Currency BRL



Table 122:

Field Entry




Percentage Rate 1.5


Rounding Unit 0


Create Condition Group for Interest

Create Condition for Debit Interest

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Debit Interest (105100).




Table 123:

Field Entry

Currency BRL



Table 124:

Field Entry






Rounding Unit 0


Create Condition for Overdraft Interest

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Overdraft Interest (105120).


Table 125:

Field Entry

Currency BRL



Table 126:

Field Entry




Field Entry




Rounding Unit 0



4.3.2.4.3 Create Condition Group and Conditions for Transactions

Use

You define the condition group and conditions that you use for transactions related to checking accounts as follows:

Procedure

Create Condition Group for Transactions



Table 127:

Field Entry

Condition Group Type Transaction: Current Account




Create Condition for the Value Date



1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Value Date (205010).


Table 128:

Field Entry

Currency BRL



Table 129:

Field Entry


Value Date Def. (Value Date Definition Category) No Value Date Calculation

Type of Days Calendar days

Number of Days 0

Working Day Shift No shift

Tolerance Days Val.Dte.Min 3

Tolerance Days Val.Dte.Max 3

Create Condition for the Transaction Charge

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Transaction Charge (115050).


Table 130:

Field Entry

Currency BRL

Transaction Type 020000




Table 131:

Field Entry


Rounding Cat. (Rounding Category) Round to the Nearest

Tiered/Interval No Tiered/Interval

Amount 2.00


4.3.2.4.4 Create Condition Group and Conditions for Events

Use

You define the condition group and condition that the system uses when a certain event occurs. For example, if a customer creates a new standing order or changes the parameters of an existing standing order, you want the system to calculate a charge directly on the checking account. You create the condition group and conditions as follows:

Procedure

Create Condition Group for Events



Table 132:

Field Entry

Condition Group Type Events: Checking Account



4. Choose Enter.5. Create the condition described below.

Create Condition for Direct Charge



1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Direct Charge (Fixed Amt) (115060).


Table 133:

Field Entry

Currency BRL



Table 134:

Field Entry


Amount 5.00


4.3.2.5 Business Add-Ins and Interfaces

Localization-Specific Business Add-Ins (BAdIs)

The Business Add-In (BAdI) for checking accounts is specific to the Brazil localization and is provided with a default implementation. The default implementation can be redefined by customer-specific implementations, as required.

You can access that BAdI in Customizing for Financial Services under Account Management Contract Management Account Business Add-Ins (BAdIs) Country-Specific Settings Brazil .

BAdI: Retrieval of Information About Payment Default

You can use this BAdI to determine whether a bank customer contract is in default.

The default implementation determines that a bank customer contract is in default when the account balance exceeds the committed limit. In addition, it sets a 30-day grace period before setting the payment default.

4.3.3 Time Deposit


The sample time deposit products for Brazil enable you to calculate financial operation tax (IOF), withholding tax (IRRF), and interest when bank customers withdraw funds from time deposit accounts.


NoteFor more information about the business processes and functions related to time deposits for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAPBrazil Account Management (FS-AM) Deposits Time Deposits .


Product Templates

The standard delivery for Brazil contains the following product templates for time deposits:

● Time deposits allowing early withdrawals (_BR_TD)● Time deposits not allowing early withdrawals (_BR_TD_EWN)

Product Attributes


Table 135:

Name of Product Attribute Path to Product Attribute Description of Product Attribute

Condition Type for Regressive IOF Used Attributes Country-Specific

Attributes Brazil Taxes

Regressive IOF Condition Type for

Regressive IOF

Indicates the condition type that the system uses to calculate regressive IOF.

Condition Type for Regressive IOF Calc. Base

Used Attributes Country-Specific


Regressive IOF Condition Type for

Regressive IOF Calc. Base

Indicates the condition type that the system uses to determine base amount for calculating regressive IOF.

Definition of Start Date for Calculation Used Attributes Country-Specific


Withholding Tax Definition of Start

Date for Calculation

Indicates the start date for the calculation of withholding tax (IRRF).




Name of Product Attribute Path to Product Attribute Description of Product Attribute

Condition Type for Withholding Tax Used Attributes Country-Specific


Withholding Tax Condition Type for

Withholding Tax

Indicates the condition type that the system uses to calculate withholding tax (IRRF).

Condition Type for IRRF Calculation Base Used Attributes Country-Specific


Withholding Tax Condition Type for

IRRF Calculation Base

Indicates the condition type that the system uses to determine the base amount for calculating withholding tax (IRRF).

NoteFor more information about the product attributes, see the documentation for each attribute in the system.


Use

To use the time deposit product that you create on the basis of the sample financial products (_BR_TD or _BR_TD_EWN) for Brazil, you make the settings described below.

Procedure

Create Time Deposit Product

1. Create your own checking account product in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Create Account Product .


Table 136:

Field Entry


Template Product _BR_TD or _BR_TD_EWN

Product Version 0001

3. Choose Enter.


4. On the Product Create: Administration screen, enter a description and validity period for the product and choose Enter.

5. In the product attributes structure, choose Financial Conditions Condition Groups Condition Group .6. Enter the IDs that you want to use for the following condition groups (see Master Data Settings [page 120]):

○ Settlement○ Transactions○ Events

7. Complete the master data settings described below and then save and activate your product.



To use the time deposit products that you create based on the sample products for Brazil, you enter the master data described below.

4.3.3.4.2 Enter Tax Rates

Use

To enable the system to calculate the correct amount of financial operation tax (IOF) and withholding tax (IRRF) on time deposit accounts, you enter the applicable rates for each type of tax.

Procedure

Enter Tax Rates for Regressive IOF

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Country-Specific Settings Brazil Taxes Enter Regressive Tax Rates for IOF .

2. Enter the legally defined IOF rates along with the effective date and the validity period for each rate.

Enter Tax Rates for Progressive IRRF

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Country-Specific Settings Brazil Taxes Enter Progressive Tax Rates for IRRF .

2. Enter the legally defined IRRF rates along with the effective date and the validity period for each rate.




Use

To determine how the system calculates fixed and variable interest for time deposits, you define a condition group and the corresponding conditions.

Prerequisites

If you want to use a variable rate of interest, you must have entered the CDI (Intrabank rate for investment funds) percentage rates on the SAP Easy Access screen under Financial Services Account Management Current Settings Financial Conditions Reference Interest Rates Edit Reference Interest Rates .

Procedure

Create Condition Group for Settlement



Table 137:

Field Entry

Condition Group Type Settlement: Time Deposit




Create Condition for Fixed Interest

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Credit Int. TDep. BR Var. (105117).



Table 138:

Field Entry

Currency BRL



Table 139:

Field Entry



IntRateTimeUnit (Time Unit for Interest Rate) Interest rate per Annum

Percentage Rate 10

Int. Calc. Method (Interest Calculation Method) Act/360

Rounding Unit 0

Interest Calc. (Exponential/Linear Interest Calculation) Exponential

Int.Stllm.Freq (Interest Settlement Frequency) Annual Interest

Create Condition for Variable Interest

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select BR Credit Int. TDep. Var. (105117).


Table 140:

Field Entry

Currency BRL



Table 141:

Field Entry




Field Entry


IntRateTimeUnit (Time Unit for Interest Rate) Interest rate per Annum

Ref.Int.Rate (Reference Interest Rate) CDI

Int. Calc. Method (Interest Calculation Method) ActW/252

Int. Calendar BR

Rounding Unit 0

Interest Calc. (Exponential/Linear Interest Calculation) Exponential

Int.Stllm.Freq (Interest Settlement Frequency) Annual Interest

4. In the Adjustment Date section of the Adjustment tab page, enter the following data:

Table 142:

Field Entry

Frequency Cat. Periodic

Repet. Period 1

Repet. Unit Days

RefDatStartDate At Start of Term

Shift Number 0

Work. Day Shift No Shift

Calendar for Working Day Shift BR

5. In the Fixing Date section of the Adjustment tab page, enter the following data:

Table 143:

Field Entry

Frequency Cat. Relative

Ref. Date Catg Adjustment

+/-Working Days 0



Field Entry




Use

You define the condition group and conditions that you use for transactions related to time deposits.

Procedure




Table 144:

Field Entry

Condition Group Type Transaction: Time Deposit









Table 145:

Field Entry

Currency BRL




Use

You define the condition group and condition that the system uses when a certain event occurs, for example, when a bank customer makes an early withdrawal from a time deposit account.

Procedure

Create Condition Group for Events



Table 146:

Field Entry

Condition Group Type Events: Time Deposit




Create Condition for Direct Charge

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Admin Charge EWTD (115500).



Table 147:

Field Entry

Currency BRL



Table 148:

Field Entry


Payment Currency BRL

Amount 500.00


4.3.4 Multidate Savings Account


The sample account product for multidate savings accounts allows you to meet legal requirements in Brazil, such as calculating interest as outlined in Brazilian law number 12.703 from 2012.

NoteFor more information about the business processes and functions related to savings accounts for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAPBrazil Account Management (FS-AM) Deposits Savings Accounts .

CautionFor accrual purposes, the system uses the daily base rate of Selic interest rate, which can generate slight differences between the accrued amount and the settled amount.





Product Templates

The standard delivery for Brazil includes a product template for multidate savings accounts called: _BR_ACCSPR.

Settings for Interest Calculation

To meet requirements in Brazil for interest calculation on multidate savings accounts, the standard delivery includes the following settings:

● Posting types, transaction types, and corresponding assignments● Condition group types and financial condition types● Calculation bases

The settings enable the calculation of base and additional interest, separated into interest on deposits made before May 4, 2012 and interest on deposits made as of that date.



To use the multidate savings account product that you create based on the sample product for Brazil, you enter the master data described below.

4.3.4.3.2 Create Condition Group and Financial Conditions for Settlement

Use

To define base and additional rates for interest calculation on multidate savings accounts, you must create a condition group and the corresponding conditions for settlement, taking into account separate conditions for deposits made before May 4, 2012 and as of that date.


Prerequisites

You have entered the base interest percentage rates for final period reference rate (TR) and Selic rate target on the SAP Easy Access screen, under Financial Services Account Management Current Settings Financial Conditions Reference Interest Rates Edit Reference Interest Rates .

Procedure




Table 149:

Field Entry

Condition Group Type Enter Settlement Private Saving or any custom condition group type that you have created for this purpose.




Create Financial Condition for Base Interest Calculation (Before May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Cr. Base Priv Pre 05.12 or any custom condition that you have created for this purpose.


Table 150:

Field Entry

Currency BRL





Table 151:

Field Entry

Description of Condition Enter any description.


Ref. Int. Rate (Reference Interest Rate) TR

4. On the Adjustment tab page, enter the following data:

Table 152:

Field Entry


Repet. Period 1

Repet. Unit Days

RefDatStartdate At start of settlement period

Table 153:

Field Entry



Working Days 2

5. Choose Enter.

Create Financial Condition for Additional Interest Calculation (Before May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Cr. Add. Priv Pre 05.12 or any custom condition that you have created for this purpose.


Table 154:

Field Entry

Currency BRL




Table 155:

Field Entry



Percentage Rate 0.5


Create Financial Condition for Base Interest Calculation (as of May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Cr. Base Priv Post 05.12 or any custom condition that you have created for this purpose.


Table 156:

Field Entry

Currency BRL



Table 157:

Field Entry




4. On the Adjustment tab page, enter the following data:

Table 158:

Field Entry


Repet. Period 1

Repet. Unit Days

RefDatStartdate At start of settlement period



Table 159:

Field Entry



Working Days 2

5. Choose Enter.

Create Financial Condition for Additional Interest Calculation (as of May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Cr. Add. Priv Post 05.12 or any custom condition that you have created for this purpose.


Table 160:

Field Entry

Currency BRL



Table 161:

Field Entry



Ref. Int. Rate (Reference Interest Rate) SELIC

Relative Markup/Markdown Selected

Markup/Markdown Percentage 70



Use

You define the condition group and conditions that you use for transactions related to private and nonprofit savings accounts.


Procedure




Table 162:

Field Entry

Condition Group Type Enter Trans. Savings Multi-Date or any custom condition that you have created for this purpose.




Create Condition

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Value Date.


Table 163:

Field Entry

Currency BRL


End Date 31.12.9999




This section describes how to configure the system to deal with the specific requirements of multidate savings accounts in Brazil.



4.3.4.4.2 Create Savings Account Product and Configure Attributes

Use

To use the multidate savings account, you must create a product based on the product template delivered by SAP for Brazil (_BR_ACCSPR) and make the settings described below.

Prerequisites

You have created the condition groups and corresponding financial conditions that you use for:

● Settlement (see Create Condition Group and Financial Conditions for Settlement [page 127])● Transaction (see Create Condition Group and Conditions for Transactions [page 131])

Procedure

1. Create your own multidate savings account product in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Create Account Product .


Table 164:

Field Entry


Template Product _BR_ACCSPR

Product Version Latest version


choose Enter.


5. In the product attributes structure, configure the product attributes in the table below:

Table 165:

Product Attribute Path in Product Attribute Tree Description



Enter the IDs that you want to use for the following condition groups:

○ Settlement○ Transaction

Condition Type for Base Interest Before 2012–05–04


Attributes Brazil Savings Account

Savings Multi-Date

Enter the condition type that you use to calculate the base interest of savings accounts for deposits made before May 4, 2012.

Condition Type for Add. Interest Before 2012–05–04



Savings Multi-Date

Enter the condition type that you use to calculate the additional interest of savings accounts for deposits made before May 4, 2012.

Condition Type for Base Interest as of 2012–05–04



Savings Multi-Date

Enter the condition type that you use to calculate the base interest of savings accounts for deposits made as of May 4, 2012.

Condition Type for Add. Interest as of 2012–05–04



Savings Multi-Date

Enter the condition type that you use to calculate the additional interest of savings accounts for deposits made as of May 4, 2012.


4.3.4.4.3 Define Job Nets

Use

To ensure the system calculates interest correctly multidate savings accounts, you define the reports that need to be executed during the end-of-day processing, as described below.

Prerequisites

You have created at least one savings account product using the template delivered by SAP (_BR_ACCSPR).



Procedure

1. Define the report execution in Customizing for Financial Services under Account Management End-of-Day Processing Define Job Nets .

2. Double-click Usable Reports to access this view, click the New Entries pushbutton, and enter the following data:

Table 166:

Field Entry

Report /FSLBR/SAV_CREATE_INFOITEM_PP

Description Calculate Multidate Balance

Restart Mode Choose the appropriate value.

3. Choose Enter.4. Double-click Process Flow Template to access this view, choose a process flow, and double-click Reports of

the Process Flow Template.5. Click the New Entries pushbutton to add a line for the Calculate Multidate Balance report, and enter the

following data:

Table 167:

Field Entry


Report /FSLBR/SAV_CREATE_INFOITEM_PP

6. Double-click Predecessors <-> Successors, and click the New Entries pushbutton.7. Enter the following data to ensure that the Calculate Multidate Balance report runs after the change of the

posting date for payment transactions:

Table 168:

Field Entry



8. Click the New Entries pushbutton again and enter the following data to ensure that the Calculate Multidate Balance report runs before the change of the posting date for end-of-day processing:

Table 169:

Field Entry



Field Entry


9. Double-click Reports of the Process Flow Template, click the New Entries pushbutton to add a line for the Accrue/Defer Account Results report, and enter the following data:

Table 170:

Field Entry


Report RBCA_ACCRUE_RUN_PP

Var. Use a variant that selects the multidate savings account products.

10. Repeat steps 6–8 for the Accrue/Defer Account Results report, this time using the report number you created in step 9.

11. Double-click Reports of the Process Flow Template, click the New Entries pushbutton to add a line for the Account Settlement report, and enter the following data:

Table 171:

Field Entry


Report RBCA_SETTLE_RUN_PP

Var. Use a variant that selects the multidate savings account products.

12. Double-click Predecessors <-> Successors, and click the New Entries pushbutton.13. Enter the following data to ensure that the Account Settlement report runs after the change of the posting

date for end-of-day processing for multidate savings accounts:

Table 172:

Field Entry






4.3.4.4.4 Configure Localization Parameters

Use

This section contains the parameters that are necessary to meet requirements for multidate savings accounts in Brazil.

Procedure


2. Choose the localization country Brazil and the parameter group SAVINGS_ACCOUNT_PRIVATE.3. Configure the parameters as required, as described below:

Table 173:


SELIC SELIC_RATE_BARRIER Enter the percentage value for Selic interest rate target above which the system changes the calculation formula for additional interest rate on multidate savings accounts (applicable to deposits made as of May 4, 2012). For example: 8.5.

TRANSACTION_TYPE CREDIT_INTEREST_PRE_05_2012 Enter the credit transaction types that you use to calculate base and additional interest on multidate savings accounts for deposits made before May 4, 2012.

TRANSACTION_TYPE CREDIT_MD_BALANCE_PRE_05_2012 Enter the transaction type that you use for credit info items to calculate the balance of multidate savings accounts for deposits made before May 4, 2012.

TRANSACTION_TYPE CREDIT_MD_BALANCE_POS_05_2012 Enter the transaction type that you use for credit info items to calculate the balance of multidate savings accounts for deposits made as of May 4, 2012.

TRANSACTION_TYPE DEBIT_MD_BALANCE_PRE_05_2012 Enter the transaction type that you use for debit info items to calculate the balance of multidate savings accounts for deposits made before May 4, 2012.



TRANSACTION_TYPE DEBIT_MD_BALANCE_POS_05_2012 Enter the transaction type that you use for debit info items to calculate the balance of multidate savings accounts for deposits made as of May 4, 2012.

NoteFor more information about the parameters, see the documentation for each parameter in the system.

4.3.4.4.5 Create Legal Forms for Business Partner Checks

Use

To enable the sample implementation for the business partner check function, you must create a legal form for multidate savings accounts.

NoteFor more information about the business processes related to business partner checks for savings accounts, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP Brazil Account Management (FS-AM) Deposits Savings Accounts Master Data for Savings Accounts Business Partner Checks for Savings Accounts .

Procedure

1. In Customizing for Cross-Application Components, choose SAP Business Partner Business PartnerOrganizations Maintain Legal Forms .Enter the following data:

Table 174:

Field Entry

Legal Form 20

Description Enter a description for nonprofit company and natural person.




Field Entry

Short Description Enter a short description for nonprofit company and natural person.


4.3.5 Corporate Savings Account


This section describes how to configure the system to process corporate savings accounts in line with the regulations. It covers the settings required for the following:

● Operational banking (see Configuration for Account Management [page 139])● Integration with analytical banking (see Integration Between Account Management and Bank Analyzer [page

166])● Analytical banking (see Configuration for Bank Analyzer [page 168])

NoteFor more information about the business processes and functions related to savings accounts for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAPBrazil Account Management (FS-AM) Deposits Savings Accounts .

4.3.5.2 Configuration for Account Management


The sample account product for corporate savings accounts allows you to meet legal requirements in Brazil, such as calculating interest as outlined in Brazilian law number 12.703 from 2012.

4.3.5.2.2 Settings Delivered As Standard

Product Templates

The standard delivery for Brazil includes a product template for corporate savings accounts called: _SBR_DEPTC.



Settings for Interest and Tax Calculation

To meet requirements in Brazil for interest and tax calculation on corporate savings accounts, the standard delivery includes the following settings:

● Non-balance-changing (NBC) transaction types● NBC posting categories● Assignment of NBC transaction types and NBC posting categories● Turnover classes to calculate interest● Own check result for invalid payment items● Error type for invalid posting period● Assignment of own check result to error type● Main rule set for error type● Payment note types

The settings enable the calculation of withholding tax, and base and additional interest, segregated for deposits made before May 4, 2012 and as of that date.

4.3.5.2.3 Configuration Steps in Customizing

4.3.5.2.3.1 Introduction

This section describes how to configure the system to deal with the specific requirements of corporate savings accounts in Brazil.

NoteYou must define all transaction types used to post payment items to corporate savings accounts with Own Check selected.

4.3.5.2.3.2 Create Condition Types and Condition Group Types for Settlement

Use

To define additional and base rates for interest calculation on corporate savings accounts, you create condition types and condition group types for settlement.



Prerequisites

● You have created the transaction types for deposits made before and as of May 4, 2012 that you use to calculate base and additional interest and withholding tax. You define the transaction types in Customizing for Financial Services Financial Services under Account Management Item Management Basic FunctionsTransaction Types and Transaction Types Groups Maintain and Assign Transaction Types for Payment Items .

● You have created the posting types for deposits made before and as of May 4, 2012 that you use to calculate base and additional interest and withholding tax. You define the posting types in Customizing for Financial Services under Account Management Item Management Basic Functions Maintain Posting Types .

● You have assigned such transaction types to the corresponding posting types in Customizing for Financial Services under Account Management Item Management Basic Functions Assign Posting Types to Transaction Types .

Procedure

Create Condition Type for Base Interest for Settlement (Before May 4, 2012)

1. In Customizing for Financial Services, choose Account Management -> Product Management -> Financial Conditions -> Define Condition Type.


Table 175:

Field Entry

Condition Type Name Enter a name for your condition type, for example, Cr. Corp. Base Pre 04.05.2012.


Posting Sign Credit


Calc. Category 1010


Calc. Basis CSA_BB0305

Posting Type Enter the posting type that you have created for base interest before 2012–05–04, as previously described in Prerequisites.

PstingType PAdj 17


Field Entry

PstgType NgAdj. 14

ProcResCat 00004100

Proc. Res.Positive 00004102

ProcResultCategNeg 00004101





Exch.Rate Type M

Totaled Base on Detailed Results



RefIntRatAssign For Credit Balances


3. Choose Enter.4. Double click the Amount Category folder and enter the following data:

Table 176:

Field Entry

Amt Categ. 105030


Create Condition Type for Additional Interest for Settlement (Before May 4, 2012)





Table 177:

Field Entry

Condition Type Name Enter a name for your condition type, for example, Cr. Corp. Add Pre 04.05.2012.


Posting Sign Credit


Calc. Category 1010



Posting Type Enter the posting type that you have created for additional interest before 2012–05–04, as previously described in Prerequisites.

PstingType PAdj 17

PstgType NgAdj. 14

ProcResCat 00004100







Exch.Rate Type M





Field Entry




Table 178:

Field Entry

Amt Categ. 220010


Create Condition Type for Base Interest for Settlement (as of May 4, 2012)



Table 179:

Field Entry

Condition Type Name Enter a name for your condition type, for example, Cr. Corp. Base Pre 04.05.2012.


Posting Sign Credit


Calc. Category 1010



Posting Type Enter the posting type that you have created for base interest as of 2012–05–04, as previously described in Prerequisites.

PstingType PAdj 17

PstgType NgAdj. 14

ProcResCat 00004100



Field Entry







Exch.Rate Type M







Table 180:

Field Entry

Amt Categ. 105030


Create Condition Type for Additional Interest for Settlement (as of May 4, 2012)



Table 181:

Field Entry

Condition Type Name Enter a name for your condition type, for example, Cr. Corp. Add Pre 04.05.2012.


Field Entry


Posting Sign Credit


Calc. Category 1010



Posting Type Enter the posting type that you have created for additional interest as of 2012–05–04, as previously described in Prerequisites.

PstingType PAdj 17

PstgType NgAdj. 14

ProcResCat 00004100







Exch.Rate Type M






3. Choose Enter.



4. Double click the Amount Category folder and enter the following data:

Table 182:

Field Entry

Amt Categ. 220010


Create Condition Group Type for Settlement

1. In Customizing for Financial Services, choose Account Management -> Product Management -> Financial Conditions -> Define Condition Group Type.


Table 183:

Field Entry

Con.Gr.Typ. Enter any number.

Condition Group Type Description Enter any description.

Con.Gr.Cat. 1

B Selected

Corresp. Ind. Conds Indicator Not Set

RCategory 0090 - Generic

3. Choose Enter.4. Double click the Condition Type folder and enter the following data:

Table 184:

Field Entry

CondTyp Enter the condition type that you have previously created in Create Condition Type for Base Interest for Settlement (Before May 4, 2012).

CondTyp Enter the condition type that you have previously created in Create Condition Type for Additional Interest for Settlement (Before May 4, 2012).

CondTyp Enter the condition type that you have previously created in Create Condition Type for Base Interest for Settlement (as of May 4, 2012).


Field Entry

CondTyp Enter the condition type that you have previously created in Create Condition Type for Additional Interest for Settlement (as of May 4, 2012).


4.3.5.2.3.3 Create Condition Types for Withholding Tax Calculation for Tax Manager

Use

The system uses tax manager to calculate withholding tax. To post the results of this calculation, tax manager uses two financial conditions, one for deposits made before May 4, 2012 and another for deposits made as of that date.

NoteFor more information about how to configure tax manager to calculate withholding tax on corporate savings accounts, see Withholding Tax on Corporate Savings Accounts [page 211].

Prerequisites

● You have created the transaction types for deposits made before and as of May 4, 2012 that you use to calculate withholding tax. You define the transaction types in Customizing for Financial Services under

Account Management Item Management Basic Functions Transaction Types and Transaction Types Groups Maintain and Assign Transaction Types for Payment Items .

● You have created the posting types for deposits made before and as of May 4, 2012 that you use to calculate withholding tax. You define the posting types in Customizing for Financial Services under Account Management Item Management Basic Functions Maintain Posting Types .

● You have assigned such transaction types to the corresponding posting types in Customizing for Financial Services under Account Management Item Management Basic Functions Assign Posting Types to Transaction Types .

Procedure

Create Condition Type for Withholding Tax (Before May 4, 2012)





Table 185:

Field Entry

Condition Type Name Enter a name for your condition type, for example, Withholding Tax Corp. Sav. Pre 04.05.2012.




Calc. Category 1010


Calc. Basis

Posting Type Enter the posting type that you have created for withholding tax before 2012-05-04, as previously described in Prerequisites.

PstingType PAdj 16

PstgType NgAdj. 13

ProcResCat 00004103




Determ. Time StdCon. Use Conditions at Calculation Time Determ.

Time Ind.Con Condition Determination Timepoint as Standard Conditions


Exch.Rate Type M



Field Entry






Create Condition Type for Withholding Tax (as of May 4, 2012)



Table 186:

Field Entry

Condition Type Name Enter a name for your condition type, for example, Withholding Tax Corp. Sav. Pos 04.05.2012.




Calc. Category 1010


Calc. Basis

Posting Type Enter the posting type that you have created for withholding tax as of 2012–05–04, as previously described in Prerequisites.

PstingType PAdj 16

PstgType NgAdj. 13

ProcResCat 00004103




Field Entry



Determ. Time StdCon. Use Conditions at Calculation Time Determ.

Time Ind.Con Condition Determination Timepoint as Standard Conditions


Exch.Rate Type M







4.3.5.2.3.4 Create Non-Balance-Changing Transaction Types and Posting Categories

Use

To split the account balance of a corporate savings account between deposits made before and as of May 4, 2012, you create four non-balancing-changing (NBC) transaction types and assign them to the corresponding non-balance-changing posting categories.

NoteWhen you create the non-balancing-changing posting categories, use the standard NBC Process Data Transfer -Inventory (5000).


Procedure

Create Non-Balance-Changing Transaction Type

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsMaintain Non-Balance-Changing Transaction Types .

2. For each NBC transaction type that you want to create, enter the following data:

Table 187:

Field Entry

Non-Bal.ChngTransTyp Enter an ID for your condition type, for example, 600010.

TransTypDes Enter a description for your condition type, for example, Dr.Bal. Bef. 2012-05-04.


NoteYou assign the transaction types to your corporate savings account product. For more information, see Create Savings Account Product and Configure Attributes [page 163].

Create Non-Balance-Changing Posting Categories

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsMaintain Non-Balance-Changing Posting Categories .

2. For each posting category that you want to create, enter the following data:

Table 188:

Field Entry

NBCPostCat Enter an ID for your posting category, for example, 60.

Desc.Ps.Ct. Enter a description for your transaction type, for example, Debit Balance.

NBCProcess 5000

Desc.Proc. Data Transfer - Inventory


Assign Non-Balance-Changing Transaction Types to Non-Balance-Changing Posting Categories

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsAssign Non-Bal-Changing Posting Categories to Non-Bal-Changing Trans.Types .



2. For each mapping that you want to create between the transaction types and posting categories that you have create in the previous steps, enter the following data:

Table 189:

Field Entry

Non-Bal. Chg PostCat Enter the ID for your posting category, for example, 60.

Non-Bal.ChngTransTyp Enter the ID for your transaction type, for example, Debit Balance.


4.3.5.2.3.5 Create Posting Control Rules

Use

To raise an error message when users create invalid payment items, you customize own check results, own check error type, and main rule set.

Procedure

Define Own Check Result

1. In Customizing for Financial Services, choose Account Management Item Management Posting Control Rules Define Own Check Results .


Table 190:

Field Entry

Result No. Enter the ID for your own check result, for example, SC01.

Appl. Area /FSLBR/SAV_ACCT

Message 048


Define Error Types

1. In Customizing for Financial Services, choose Account Management Item Management Posting Control Rules Error Types Define Error Types .



Table 191:

Field Entry

Error Type Enter the ID for your error type, for example, SC1.

Error Type Description Enter a description for your error type, for example, Invalid SavCorp Posting Period.


Assign Error Types

1. In Customizing for Financial Services, choose Account Management Item Management Posting Control Rules Error Types Assign Error Types .


Table 192:

Field Entry

Check Obj Own Check

Check Own Check

Result No. Enter the ID for the own check result that you have previously created.

Error Type Enter the ID for the error type that you have previously created.


Define Main Rule Set

1. In Customizing for Financial Services, choose Account Management Item Management Posting Control Rules Define Main Rule Set .


Table 193:

Field Entry

ErrorType Enter the ID for the error type that you have previously created.

Ty. Ordering Party

First Resp Post Processing




4.3.5.2.3.6 Create Types for Structured Payment Notes

Use

To link the payment items to the non-balance-changing (NBC) items that you have created in Create Non-Balance-Changing Transaction Types and Posting Categories [page 151], you create two payment note types:

● One for posting of NBC items before May 04, 2012● One for posting as of May 04, 2012

Procedure

Create Payment Notes Types

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsBasic Posting Settings Define Types for Structured Payment Notes .

2. For each payment note type that you want to create, enter the following data:

Table 194:

Field Entry

Payt Notes Type Enter an ID for the payment note type, for example, 600.

Descr. Type Payt Nts Enter a description for the payment note type, for example, NBC Before 2012-05-04.


4.3.5.2.3.7 Create Legal Forms for Business Partner Checks

Use

To enable the sample implementation for the business partner check function, you must create a legal form for corporate savings accounts.

NoteFor more information about the business processes related to business partner checks for savings accounts, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP Brazil Account Management (FS-AM) Deposits Savings Accounts Master Data for Savings Accounts Business Partner Checks for Savings Accounts .



Procedure

1. In Customizing for Cross-Application Components, choose SAP Business Partner Business PartnerOrganizations Maintain Legal Forms .Enter the following data:

Table 195:

Field Entry

Legal Form 30

Description Enter a description for profitable company.

Short Description Enter a short description for profitable company.


4.3.5.2.3.8 Configure Localization Parameters

Use

This section contains the parameters that are necessary to meet requirements for corporate savings accounts in Brazil.

Procedure


2. Choose the localization country Brazil and the parameter group SAVINGS_ACCOUNT_CORPORATE.



3. Configure the parameters as required, as described below:

Table 196:

Parameter Subgroup Parameter Name Description

OWNCHECK_RESULT PAYITEM_INVALID_POSTING_PERIOD

Enter the result number of the own check that you use for errors that result from an invalid posting period in a payment item. For more information, see Create Posting Control Rules [page 153].

NoteYou can use the own check result SC01, which is delivered as standard, as the value for this parameter.

PAYMENT_NOTE_TYPE BALANCE_AFTER_MP567 Enter the payment note type that you use for non-balance-changing turnover posting for deposits made as of May 4, 2012. For more information, see Create Types for Structured Payment Notes [page 155].

NoteYou can use the payment note type 601, which is delivered as standard, as the value for this parameter.

PAYMENT_NOTE_TYPE BALANCE_BEFORE_MP567 Enter the payment note type that you use for non-balance-changing turnover posting for deposits made before May 4, 2012. For more information, see Create Types for Structured Payment Notes [page 155].

NoteYou can use the payment note type 600, which is delivered as standard, as the value for this parameter.


Parameter Subgroup Parameter Name Description

SELIC SELIC_RATE_BARRIER Enter the percentage value for Selic interest rate target above which the system changes the calculation formula for additional interest rate on corporate savings accounts (applicable to deposits made as of May 4, 2012). For example: 8.5.

NoteFor more information about the localization parameters, see the documentation for each parameter in the system.

4.3.5.2.4 Master Data Settings


To use the corporate savings account product that you create based on the sample product for Brazil, you enter the master data described below.

4.3.5.2.4.2 Create Condition Group and Conditions for Settlement

Use

To define additional and base rates for monthly interest calculation and withholding tax on corporate savings accounts, you create a condition group and corresponding conditions for settlement.

Prerequisites

You have entered the base interest percentage rates (TR) and Selic rate target on the SAP Easy Access screen, under Financial Services Account Management Current Settings Financial Conditions Reference Interest Rates Edit Reference Interest Rates .



Procedure




Table 197:

Field Entry

Condition Group Type Enter the condition group type that you have created in section Create Condition Types and Condition Group Types for Settlement [page 140].




Create Condition for Base Interest Calculation (Before May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition type that you have created in Create Condition Type for Base Interest for Settlement (Before May 4, 2012) (see Create Condition Types and Condition Group Types for Settlement [page 140]).


Table 198:

Field Entry

Currency BRL



Table 199:

Field Entry


IntRate TimeUnit (Interest Rate Time Unit) 12 Interest Rate per Month




4. Choose Enter.

Create Condition for Additional Interest Calculation (Before May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition type that you have created in Create Condition Type for Additional Interest for Settlement (Before May 4, 2012) (see Create Condition Types and Condition Group Types for Settlement [page 140]).


Table 200:

Field Entry

Currency BRL



Table 201:

Field Entry


IntRate TimeUnit (Interest Rate Time Unit) 4 Interest Rate per Quarter


Ref. Int. Rate (Reference Interest Rate) 1.5

4. On the Time Periods tab page, enter the following data:

Table 202:

Field Entry


Repeat Period 3

Repeat Unit Months

1st Calc. Date 31.12.2999

Create Condition for Base Interest Calculation (as of May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition type that you have created in Create Condition Type for Base Interest for Settlement (as of May 4, 2012) (see Create Condition Types and Condition Group Types for Settlement [page 140]).




Table 203:

Field Entry

Currency BRL



Table 204:

Field Entry


IntRate TimeUnit (Interest Rate Time Unit) 12 Interest Rate per Month



4. Choose Enter.

Create Condition for Additional Interest Calculation (as of May 4, 2012)

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition type that you have created in Create Condition Type for Additional Interest for Settlement (as of May 4, 2012) (see Create Condition Types and Condition Group Types for Settlement [page 140]).


Table 205:

Field Entry

Currency BRL



Table 206:

Field Entry


IntRate TimeUnit (Interest Rate Time Unit) 4 Interest Rate per Quarter


Ref. Int. Rate (Reference Interest Rate) SELIC


Field Entry

Absolute Markup/Markdown Selected

Markup/Markdown Percentage 70

4.3.5.2.4.3 Create Condition Group and Conditions for Transactions

Use

You define the condition group and conditions that you use for transactions related to corporate savings accounts.

Procedure




Table 207:

Field Entry

Condition Group Type Enter Trans. Savings Corporate or any custom condition that you have created for this purpose.




Create Conditions

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Value Date.




Table 208:

Field Entry

Currency BRL


End Date 31.12.9999


4.3.5.2.5 Create Savings Account Product and Configure Attributes

Use

To use the corporate savings account product that you create based on the product template delivered by SAP for Brazil (_SBR_DEPTC), you make the settings described below.

Prerequisites

● You have created both the Settlement Condition Group and the Transaction Condition Group, as described in Master Data Settings [page 158].

● You have created the non-balance-changing transaction types and the corresponding non-balance-changing posting categories, as described in Configuration Steps in Customizing [page 140].

● You have created the transaction types for posting of withholding tax, for deposits made before and as of May 4, 2012, as described in Configuration Steps in Customizing [page 140].

Procedure

1. Create your own corporate savings account product in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Create Account Product .



Table 209:

Field Entry


Template Product _SBR_DEPTC

Product Version Latest version


choose Enter.5. In the product attributes structure, configure the product attributes in the table below:

○ General settings

Table 210:




Enter the IDs that you want to use for the following condition groups:

○ Settlement○ Transaction

Assignment Turnover Classes Posting Data Turnover

Classes

Enter the following turnover classes:

○ CSAB (SavCorp Bef. 2012-05-04)

○ CSAA (SavCorp as of 2012-05–04)

○ Settings for deposits made before May 4, 2012

Table 211:


Condition Type for Base Interest Country-Specific Attributes

Brazil Savings Account

Corporate Before 2012-05-04

Enter the condition type that you use to calculate the base interest of savings accounts.

Condition Type for Additional Interest Country-Specific Attributes



Enter the condition type that you use to calculate the additional interest of savings accounts.




Transaction Type for Withholding Tax Country-Specific Attributes



Enter the transaction type used to post withholding tax.

Turnover Class for Savings Account Balance




CSAB (SavCorp Bef. 2012-05-04)

Dr. Trans. Type for Non-Balance-Changing Turnover




Enter the debit non-balance-changing transaction types.

Cr. Trans. Type for Non-Balance-Changing Turnover




Enter the credit non-balance-changing transaction types.

○ Settings for deposits made as of May 4, 2012

Table 212:


Condition Type for Base Interest Country-Specific Attributes


Corporate As of 2012-05-04

Enter the condition type that you use to calculate the base interest of savings accounts.

Condition Type for Additional Interest Country-Specific Attributes



Enter the condition type that you use to calculate the additional interest of savings accounts.

Transaction Type for Withholding Tax Country-Specific Attributes



Enter the transaction type used to post withholding tax.

Turnover Class for Savings Account Balance




CSAA (SavCorp as of 2012-05–04)

Dr. Trans. Type for Non-Balance-Changing Turnover




Enter the debit non-balance-changing transaction types.



Cr. Trans. Type for Non-Balance-Changing Turnover




Enter the credit non-balance-changing transaction types.


4.3.5.3 Integration Between Account Management and Bank Analyzer


This section describes how to configure the system to exchange information between Account Management (FS-AM) and Bank Analyzer (FS-BA) for corporate savings accounts.

4.3.5.3.2 Create Flow Types

1. In Customizing for Financial Services, choose Account Management Product Management SettlementFlow Types Define Transaction Types .


Table 213:

Flow Type Flow Type Description

Enter an ID of your choice for the flow type for withholding tax (before May 4, 2012).

Enter a description of your choice, for example, Receivable: Withh. Tax Sav. Corp. Pre.

Enter an ID of your choice for the flow type for withholding tax (as of May 4, 2012).

Enter a description of your choice, for example, Receivable: Withh. Tax Sav. Corp. Pos.


4.3.5.3.3 Assign Flow Types to Condition Types and Update Categories

1. In Customizing for Financial Services, choose Account Management Product Management SettlementFlow Types Assign Flow Types to Condition Types and Update Categories .




Table 214:

Condition Type Flow Type

Enter the condition type for base interest for settlement (before May 4, 2012).

120000 (Interest Revenue)

Enter the condition type for additional interest for settlement (before May 4, 2012).


Enter the condition type for base interest for settlement (as of May 4, 2012).


Enter the condition type for additional interest for settlement (as of May 4, 2012).


Enter the condition type for withholding tax (before May 4, 2012).

Enter the flow type for withholding tax (before May 4, 2012).

Enter the condition type for withholding tax (as of May 4, 2012).

Enter the flow type for withholding tax (as of May 4, 2012).


4.3.5.3.4 Define Exceptions for Master Data Messages

Use

The system calculates interest and accrual only in Account Management (FS-AM) for corporate savings accounts. For this reason, you configure the system to send lean messages to Bank Analyzer (FS-BA).

Procedure

1. In Customizing for Financial Services, choose Account Management Basic Settings Information Messages Define Exceptions .


Table 215:

Recip. ID Product

DCCHG Enter your savings account corporate product, for example, BR_SAV_CORP.



4.3.5.4 Configuration for Bank Analyzer


This section describes how to configure the system to perform the accounting of corporate savings account in line with the regulations.

4.3.5.4.2 Settings Delivered as Standard

Production Control

The Business Content for Bank Analyzer (FS-BA) for Brazil includes a production control for corporate savings accounts called SBR_DEPT_C.

4.3.5.4.3 Configuration Steps in Customizing

4.3.5.4.3.1 Create Activity Types

Use

To enable the system to replicate data correctly in Bank Analyzer (FS-BA), you create activity types that correspond to the transaction types that you have created for corporate savings account in Account Management (FS-AM).

Procedure

1. In Customizing for Financial Services, choose Bank Analyzer Source Data Layer Primary Objects Flow Data Business Transactions Edit Activity Types .




Table 216:

TranType Desc. Trasact. Type Long Name trans.Type Debit/Credit

Enter the transaction type for withholding tax (before May 4, 2012).

Enter a description of your choice, for example, Withh. Tax Corp. Sav. Pre.

Enter a long description of your choice, for example, Withh. Tax Corp. Sav. Before May 4, 2012.

D Debit

Enter the transaction type for withholding tax (as of May 4, 2012).

Enter a description of your choice, for example, Withh. Tax Corp. Sav. Pos.

Enter a long description of your choice, for example, Withh. Tax Corp. Sav. as of May 4, 2012.

D Debit


Enter a description of your choice, for example, Receivable: Withh. Tax Sav. Corp. Pre.

Enter a long description of your choice, for example, Receivable: Withh. Tax Sav. Corp. Before May 4, 2012.

D Debit


Enter a description of your choice, for example, Receivable: Withh. Tax Sav. Corp. Pos.

Enter a long description of your choice, for example, Receivable: Withh. Tax Sav. Corp. as of May 4, 2012

D Debit

Enter the transaction type for base interest (before May 4, 2012).

Enter a description of your choice, for example, Cr. Corp. Sav.Base Pre.

Enter a long description of your choice, for example, Cr. Corp. Sav.Base Before May 4, 2012.

C Credit

Enter the transaction type for additional interest (before May 4, 2012).

Enter a description of your choice, for example, Cr. Corp. Sav. Add. Pre.

Enter a long description of your choice, for example, Cr. Corp. Sav. Add. Before May 4, 2012.

C Credit

Enter the transaction type for base interest (as of May 4, 2012).

Enter a description of your choice, for example, Cr. Corp. Sav. Base Pos.

Enter a long description of your choice, for example, Cr. Corp. Sav.Base as of May 4, 2012.

C Credit

Enter the transaction type for additional interest (as of May 4, 2012).

Enter a description of your choice, for example, Cr. Corp. Sav. Add. Pos.

Enter a long description of your choice, for example, Cr. Corp. Sav. Add. as of May 4, 2012.

C Credit



4.3.5.4.3.2 Create Derivation Steps

Use

To enable the accounting of withholding tax and interest on corporate savings accounts, you create derivation steps.

Procedure

Derive Item Type from Payment Item

1. In Customizing for Financial Services, choose Bank Analyzer Source Data Layer Interfaces to Other Applications Interfaces to Account Management Mapping Tool Module Editor Derivation Edit Derivation Steps .

2. Choose derivation environment S_SE_ITYPE, VALUE_MAPPING3. Edit derivation rule BRGAAP: Taxes (DM)4. Enter the following data:

Table 217:

Transaction Type Valid From Assig. Business Transaction Type

Item Type


01.01.2000 = DM04 G06E


01.01.2000 = DM04 G06E


Derive Item Type from Settlement Item

1. In Customizing for Financial Services, choose Bank Analyzer Source Data Layer Interfaces to Other Applications Interfaces to Account Management Mapping Tool Module Editor Derivation Edit Derivation Steps .

2. Choose derivation environment S_PM_ITYPE, VALUE_MAPPING3. Edit derivation rule BRGAAP: Taxes (DM)




Table 218:


Item Type

Enter the flow type for withholding (before May 4, 2012).

01.01.2000 = DM03 IC0D

Enter the flow type for withholding (as of May 4, 2012).

01.01.2000 = DM03 IC0D

5. Edit derivation rule BRGAAP: Interest (DM)6. Enter the following data:

Table 219:


Item Type

Enter the transaction type for base interest (before May 4, 2012).

01.01.2000 = DM03 IC1D

Enter the transaction type for additional interest (before May 4, 2012).

01.01.2000 = DM03 IC1D

Enter the transaction type for base interest (as of May 4, 2012).

01.01.2000 = DM03 IC1D

Enter the transaction type for additional interest (as of May 4, 2012).

01.01.2000 = DM03 IC1D


4.3.6 Loans Taken Account


The sample loans taken account allows you to record all incoming fund details for a particular funded loan.


NoteFor more information about the business processes and functions related to loans taken accounts for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP General Localization Functions Funded Loans .


Product Templates

The standard delivery for Brazil includes a product template for loans taken accounts called: _LNTK_ACC2.

Product Attributes


Table 220:

Product Attribute Path in Product Attribute

Risk Factor Used Attributes Country-Specific Attributes General

Localization Funded Loans Loans Taken

Bank Country Used Attributes Country-Specific Attributes General

Localization Funded Loans Fund Pool

Account Number Used Attributes Country-Specific Attributes General


Contract management Used Attributes Country-Specific Attributes General


Contract Currency Used Attributes Country-Specific Attributes General








This section describes how to configure the system to deal with the specific requirements of accounts in Brazil.

4.3.6.3.2 Create Product

Use

To use the loans taken account product that you create based on the product template delivered by SAP for Brazil (_LNTK_ACC2), you make the settings described below.

Prerequisites

You have created financial conditions as described in Master Data Settings.

Procedure

1. Create your own loans taken account product in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Create Account Product .


Table 221:

Field Entry


Template Product _LNTK_ACC2

Product Version Active Version

3. Choose Enter.

4. In the product attributes structure, choose Financial Conditions Condition Groups Condition Group .5. Enter the IDs that you want to use for the following condition groups:

○ Settlement○ Transaction○ Events

Complete the Master Data Settings described below. Then save and activate your product.




To use the loans taken account product that you create based on the sample product for Brazil, you enter the master data described below.


Use

You define the condition group and conditions that you use for transactions related to fund pool accounts as follows:

Procedure




Note that for loans taken account you must not create individual condition.

Table 222:

Field Entry

Condition Group Type Transaction: Loans Taken

Condition Group 900236

Condition Group Description LNTK Price Condition

Table 223:

Inayment Agreement : Payable

Nominal Interest

Tab : Time Period

Calculation:



Field Value

Frequency Cat Periodic

Repeat. Period 1

Repeat. Unit Months

Key Date 31

RefDatStartdate At Contract Start

Work. Day Shift Next Working Day


Due Date:

Field Value


Repeat. Period 1

Repeat. Unit Months

Key Date 31



Pay. Date Shift Next Working Day


Table 224:

Inpayment Agreement : Payable

Repayment

Tab : Calculation

Receivable:

Field Value

Clearing Settlement on Calculation Date


Table 225:


Repayment

Tab : Time Period

Calculation:

Field Value


Repeat. Period 1

Repeat. Unit Months

Key Date 31




Due Date:

Field Value


Repet. Period 1

Repet. Unit Months

Key Date 31





Table 226:

Financial Conditions : Settlement

Price Condition

Tab : Time Period

Field Value




Repeat. Period 1

Repeat. Unit Months

Key Date 31




Due Date

Field Value


Repet. Period 1

Repet. Unit Months

Key Date 31




4. Choose Enter.5. Create the conditions.6. Save your changes.

4.3.6.4.3 Create Condition Group and Conditions for Transaction

Use

You define the condition group and conditions that you use for transactions related to loans taken accounts as follows:

Procedure





Table 227:

Field Entry

Condition Group Type Transaction: Loans Taken


Condition Group Description LNTK & LNGV Transaction



Use

You define the condition group and conditions that the system uses when a certain event occurs.

Procedure




Table 228:

Field Entry

Condition Group Type Transaction: Events Current Account/ Payment: Loans

Condition Group 7659/ 00250

Condition Group Description Events Current Account




4.3.7 Fund Pool Account


The sample fund pool account allows you to record all incoming and outgoing fund details for a particular funded loan.

NoteFor more information about the business processes and functions related to fund pool accounts for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP

General Localization Functions Funded Loans .

4.3.7.2 Settings Delivered as Standard

Product Templates

The standard delivery for Brazil contains product template Fund Pool Account (_FNPO_ACCT) for fund pool.



Use

To use the fund pool account product that you create based on the product template delivered by SAP for Brazil (_FNPO_ACCT), you make the settings described below.

Prerequisites

You have created financial conditions as described in Master Data Settings..



Procedure

1. Create your own fund pool account product in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Create Account Product .


Table 229:

Field Entry


Template Product _FNPO_ACCT



choose Enter.



7. Complete the Master Data Settings described below. Then save and activate your product.



To use the fund pool account product that you create based on the sample product for Brazil, you enter the master data described below.




Use

You define the condition group and conditions that you use for transactions related to fund pool accounts as follows:

Procedure




Table 230:

Field Entry

Condition Group Type Transaction: Fund Pool


Condition Group Description Test Fund Pool Condition





Table 231:

Field Entry

Currency BRL




Table 232:

Field Entry


Value Date Def. (Value Date Definition Category) No Value Date Calculation

Type of Days Calendar days

Number of Days 0

Working Day Shift No shift

Tolerance Days Val.Dte.Min 3

Tolerance Days Val.Dte.Max 3

Create Condition for the Transaction Charge

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select Transaction Charge (115050).


Table 233:

Field Entry

Currency BRL

Transaction Type 020000



Table 234:

Field Entry


Rounding Cat. (Rounding Category) Round to the Nearest

Tiered/Interval No Tiered/Interval

Amount Any Amount




4.3.8 Loans Given Account


The sample loans given account allows you to record all outgoing fund details for a particular funded loan.

NoteFor more information about the business processes and functions related to loans taken accounts for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP General Localization Functions Funded Loans .


Product Templates

The standard delivery for Brazil includes a product template for loans taken accounts called: _LNGV_ACC2

Product Attributes


Table 235:

Product Attribute Path in Product Attribute

Agreement Synchronization Used Attributes Country-Specific Attributes General

Localization Funded Loans Loans Given






This section describes how to configure the system to deal with the specific requirements of accounts in Brazil.


Use

To use the loans given account product that you create based on the product template delivered by SAP for Brazil (_LNGV_ACC2), you make the settings described below.

Prerequisites

You have created financial conditions as described in Master Data Settings.

Procedure

1. Create your own loans given account product in Customizing for Financial Services under Account Management Product Management Product Definition Account Products Create Account Product .


Table 236:

Field Entry


Template Product _LNGV_ACC2


3. Choose Enter.



Complete the Master Data Settings described below. Then save and activate your product.





To use the loans given account product that you create based on the sample product for Brazil, you enter the master data described below.

4.3.8.4.2 Create Condition Group and Conditions for Transaction

Use

You define the condition group and conditions that you use for transactions related to loans given accounts as follows:

Procedure




Table 237:

Field Entry

Condition Group Type Trans:Loan/Instllmnt Loan



Table 238:

Inayment Agreement : Payable

Nominal Interest

Tab : Time Period

Calculation:


Field Value


Repeat. Period 1

Repeat. Unit Months

Key Date 31




Due Date:

Field Value


Repeat. Period 1

Repeat. Unit Months

Key Date 31





Table 239:


Repayment

Tab : Calculation

Receivable:

Field Value

Clearing Settlement on Calculation Date



Table 240:


Repayment

Tab : Time Period

Calculation:

Field Value


Repeat. Period 1

Repeat. Unit Months

Key Date 31




Due Date:

Field Value


Repet. Period 1

Repet. Unit Months

Key Date 31





Table 241:

Financial Conditions : Settlement

Price Condition

Tab : Time Period

Field Value



Repeat. Period 1

Repeat. Unit Months

Key Date 31




Due Date

Field Value


Repet. Period 1

Repet. Unit Months

Key Date 31






Use

You define the condition group and conditions that you use for transactions related to loans given accounts as follows:

Procedure






Table 242:

Field Entry

Condition Group Type Standard Settlement/ Loan Settlement




4.4 Configuration for Branch Calendars

4.4.1 Introduction

In Brazil, banks are not allowed to open nor to post any business transactions on nonworking days. Brazil has specific holiday calendars per city or region, which means different calendars have to be configured for the bank branches in different locations. This section describes how to set up the system to support the business rules and requirements in Brazil related to branch calendars.

NoteFor more information about the business processes and functions related to branch calendars, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP BrazilAccount Management (FS-AM) Bank Branch Calendar .

4.4.2 Organizational Data

This chapter deals with the master data and customizing parameters required to run the Brazilian localization for branch calendars.



Bank Key and Branch Key Specification

Use

Bank keys are used to identify banks in the SAP banking system. In Brazil, an external account identification includes the branch number along with the bank number and account number. There is no specific field available to store the branch number information in master data. The system offers two ways of specifying the branch number using standard available fields:

● Concatenate the branch number with the bank number in the Bank Key field● Concatenate the branch number with the account number in the Account Number field

If there is a need to route payments to specific branches, SAP recommends creating a unique bank key for each branch by using a concatenation of the bank number code and branch number in the Bank Key field.

Procedure

1. On the SAP Easy Access screen, choose Financial Services Collateral Management Securities Create Depository Bank .

2. Create bank keys as follows:

Table 243:

Field Entry

Bank Country BR

Bank Key Enter combination of bank number and branch number.

Address Enter address data.

Control Data Enter control data.

3. Perform all Customizing activities related to the new bank key in Customizing for Financial Services under Account Management Basic Settings Organization .

Calendars

Use

The system allows the creation of different calendars to store local holidays. It is necessary to create one calendar for each city or group of cities with the same common local holidays.

Procedure

Define the required city calendars in transaction SCAL.

Bank Posting Area

Use



The bank posting area is used to define an independent accounting unit, usually the bank. It also defines the current posting date for payment transactions and the current posting date for end-of-day processing.

To support Brazilian national holidays assign the calendar with these holidays to the Bank Posting Area.

Procedure

In Customizing for Financial Services choose Account Management Basic Settings Organization Define Bank Posting Area and make the following settings:

Table 244:

Field Entry

Bank Posting Area Enter your bank posting area code.

Posting Calendar Select the corresponding calendar with holidays defined for the bank posting area.

Organizational Units

Use

In Brazil, organizational units are used to represent bank branches. They are assigned to:

● Bank Posting Area● Bank Key● Branch calendar containing the local holidays of the branch region/city

When a contract is created, the system uses the branch calendar assigned to the organizational unit as a default value in the contract master data and applies the corresponding Bank Posting Area and Bank Key assignments to the contract.

Procedure

1. Create the required organizational units for the bank branches in transaction PPOME.

2. On the SAP Easy Access screen, choose Tools Business Workflow Development EnvironmentOrganizational Management Detail Maintenance General .

3. For infotype Standard Bank Data, enter the following data:

Table 245:

Field Entry

Bank Country BR

Bank Key Enter the bank key for the given branch.


4. For infotype Bank Posting Area, enter the following data:

Table 246:

Field Entry

Bank Posting Area Code of the bank posting area that will be used for contracts created with this organizational unit

5. For infotype Calendar, enter the following data:

Table 247:

Field Entry

Contract Calendar 1 Calendar that will be used for contracts created with this organizational unit

4.4.3 Product Attributes

Contract Calendar Assignment

Use

Account products use the assigned contract calendar to determine valid execution times or due dates. When making postings to an account, the system will check the contract calendar in order to prevent postings on local holidays.

Prerequisites

You have defined all calendars used in the bank and assigned them to the respective organizational units (bank branches).

Procedure

In Customizing for Financial Services, choose Account Management Product Management Product Definition Account Products Change Account Product .

In the Product Attributes screen, navigate to Administrative Data / Contract Calendar / Contract Calendar 1 and enter the following configuration:

Table 248:

Setting Value Optional/Mandatory

Traffic Light Set to green. Mandatory

Padlock Set to closed. Optional

Contract Calendar 1 Leave blank. Optional

When the Contract Calendar 1 field is left blank on the product level, the system will take the calendar that is assigned to the organizational unit (bank branch) when creating an account.



Settlement Period

Use

The working day shift for settlement has to be configured in a way that only working days are considered for execution.

Procedure

In Customizing for Financial Services, choose Account Management Product Management Product Definition Account Products Change Account Product .

In the Product Attributes screen, navigate to Settlement / Time Periods / Settlement Date and enter the following configuration:

Table 249:

Setting Value Optional/Mandatory

Traffic Light Set to green. Mandatory

Padlock Set to closed. Optional

Working Day Shift for Next Execution Date

1 – Next Working Day Mandatory

Notes on Mass Run Settlement Processes

The Brazilian localization for Branch calendars allows the system to consider local holidays valid only for specific bank branches and not for all other branches of the bank.

In the execution of mass run settlement process, when a settlement is relevant for a branch that has a holiday, the contracts with the same calendar as the branch are excluded from the settlement run.

The following prerequisites apply for correct execution of mass run settlement processes

● The working day shift feature is activated in the product attributes (as described above).● The working day shift is properly set in the account contract master data.

If you want to change the way in which the system excludes contracts from the settlement run, you can create your own implementation of the Package Processing (BCA_AM_PP_PACKAGE) Business Add-In (BAdI). The standard implementation is /FSLBR/BCA_AM_BASIS.

4.4.4 Transaction Settings

Transaction Types for Payment Items

Use

Each transaction type that comes from an internal channel (banking services from SAP system) must have the option Own Check checked if a posting should not be allowed.

Procedure



Items .2. For all transaction types that are not allowed to be posted on holidays, activate the Own Check option.

4.5 Configuration for Checkbook Management

4.5.1 Introduction

In Brazil, checks are widely used by account holders as a means of payment. The localization for Brazil covers the following scenarios:

● On demandA checkbook can be requested as required by the account holder (“on demand”) via phone, website or at the bank branch. The checkbook can be charged or not, depending on the type of account.

● Automatic renewalThe system has the option to trigger an automatic renewal of checkbooks. When its minimum quantity of check forms is reached, the solution triggers automatically a new checkbook request based on check forms quantity.

● ATMIn Brazil, the banks offer the check forms available for printing in ATMs. It triggers the number of check forms allowed for the customer and checks if there's any restriction that would make the process be declined by the system.

This chapter describes the configuration settings required to use checkbook management in Brazil. It is assumed that the standard checkbook management solution has already been configured in the system.

For more information about the business processes and functions related to checkbook management for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP

Brazil Account Management (FS-AM) Deposits Checkbook Management .

4.5.2 Localization Parameters

To update the parameter values for basic checkbook settings, proceed as follows:

1. From Customizing for Financial Services choose General Localization Settings Configure Localization Parameters .

2. Configure the parameters for Brazil in the CHECKBOOK parameter group. Enter the parameter values for the parameters listed in the table below. For more information about these parameters, see the documentation for each parameter in the system.




Table 250:

Parameter Subgroup Parameter Name Sample Parameter Values

BP_RELATIONSHIPS GUARDIAN BUR022

BP_DOCS EMANCIPATED <Customer Value ID Type in BP>

JOINT_ACCOUNT BP_RELATIONSHIP <Customer Value BP Relationship>

UNDER_X_AGE UNDER_X_AGE 18

BP_DATA CLIENT_SINCE BKCS

BP_DOCS ID_KEY FS0001

BP_ROLE BP_ROLE_CHECKBOOK <Customer Value BP Role>

FINANCIAL_RESTRICTION DECLINE_REASON <Customer Checkbook Decline Reasons>

FINANCIAL_RESTRICTION FINANCIAL_RESTRICTION 9FINRESTR

4.5.3 Business Partner Configuration

Business Partner Relationship

A BP relationship is needed for joint account holders. To define the required BP relationship, proceed as follows:

1. Execute transaction sm30 and maintain table V_TBZ9.2. Add a new relationship for the joint account relationship, choosing your own key for the new entry.3. Enter the following values:

Table 251:

Description

From BP1's View Has Partner in Joint Account

From BP2's View Is Account Holder of Joint Account

Title Joint Account Rel.

Additional Data

Differentiation Type 0

Data management app BUR [BP Relation.: Data (Attr.Tab.)]

Screen sequence BUB1 [BP Relationship/BP Role Definition: Standard]


One way relationship selected

Semantic Check

Time Constraint 0 No time constraint

No. in each set 0

Cardinality 0 : 0

Standard Reltnshp deselected

BP Role Cat. (Partner1) BCA010 Account Holder

BP Role Cat. (Partner2) BCA010 Account Holder

Partner 1

Organization deselected

Person deselected

Group selected

Partner 2

Organization deselected

Person selected

Group deselected

Category and Role for Business Partner Printing on Check Forms

To define the category and role for BP printing on check forms, proceed as follows:

1. In Customizing for Financial Services, choose SAP Business Partner for Financial Services General Settings Business Partner Basic Settings Business Partner Roles Define BP Roles .

2. Add the BP category key that you want to use for BP Printing on Check Form. Make sure you check Person and Organization.

3. Add the BP role using the category you created in the previous step. Make sure you check Standard assignment.



Identification Category and Type for “Emancipation Documents”

To specify the identification category and type for “Emancipation Documents”, proceed as follows:

1. In Customizing for Financial Services, choose SAP Business Partner for Financial Services General Settings Business Partner Basic Settings Identification Numbers Define Identification Categories .

2. Add the identification category that you want to use for “Emancipation Documents”.

3. In Customizing for Financial Services, choose SAP Business Partner for Financial Services General Settings Business Partner Basic Settings Identification Numbers Define Identification Types .

4. Add the identification type that you want to use for “Emancipation Documents” with Category set to the previously defined category.

Identification Category and Type for “Bank Client Since”

To specify the identification category and type for “Bank Client Since”, proceed as follows:

1. In Customizing for Financial Services, choose SAP Business Partner for Financial Services General Settings Business Partner Basic Settings Identification Numbers Define Identification Categories .

2. Add the identification category that you want to use for “Bank Client Since”.

3. In Customizing for Financial Services, choose SAP Business Partner for Financial Services General Settings Business Partner Basic Settings Identification Numbers Define Identification Types .

4. Add the identification type that you want to use for “Bank Client Since” with Category set to the previously defined category.

4.5.4 Basic Settings

In the Customizing activities described below, you define basic checkbook settings. In general, these settings will be redefined by the specific customer implementation.

Key Attributes

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Check Book Agreement and Check Book Key Attributes .

2. Specify the checkbook agreement key length (CBA key length).3. Specify the checkbook key length (CB key length).


Checkbook Types

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Check Book Types .

2. Define the checkbook types.3. Include the relevant data in the following fields for each checkbook type created:

○ CB Type Desc○ Check Book Cat.○ Payt Form Type○ No. of Checks○ No. checks fix○ Min. No. checks○ Max. No. checks○ Ordering Mode○ Renewal○ Renew Trigger No.○ Provider ID○ Layout ID○ Ord. Run Active

Description of Information Fields

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Information Field Description for Check Book Types .

2. Define the description of information fields shown on the screen.3. Fill in the relevant information for the available fields (from InfoFldDesc1 to InfoFldDesc10) accordingly.

Allowed Business Roles for Checkbook Holders

1. In Customizing for Financial Services, choose SAP Business Partner for Financial Services General Settings Business Partner Basic Settings Business Partner Roles Define BP Roles .

2. Create a role category for checkbook management.3. Create a BP role for the new role category.4. Add the BP role using the category you created in the previous step.

5. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Allowed Business Roles for Check Book Holders .

6. Insert the new BP role as an Allowed Business Role for Checkbook Holders.



Allowed Account Products for Checkbook Management

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Allowed Account Products for Check Book Management .

2. Define the allowed checking account products that may contain checkbooks.3. Also define which types of checkbooks are allowed for each product.

Checkbook Decline Reasons

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Check Book Decline Reasons .

2. Define the relevant reasons to decline checkbooks.

Event Types and Lock Categories

Assignment of Event Types to Lock Categories

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Assign Event Types to Lock Categories .

2. Assign lock categories to the relevant PLM (Posting Lock Management) event types related to checkbook management.

Lock Reasons with Associated Event Types

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Lock Reasons with Associated Event Types .

2. Define the reasons for locking checks in checkbook management and the associated PLM (Posting Lock Management) event types.

Posting Lock Management Settings

The following settings are required for “Locked” ordering mode. They are located in Customizing for Financial Services under Account Management Posting Lock Management Basic Settings .

1. In Customizing for Financial Services, choose Account Management Posting Lock Management Basic Settings Define Number Range for PLM Documents and define the relevant number ranges.

2. In Customizing for Financial Services, choose Account Management Posting Lock Management Basic Settings Define Event Type and define the event types for payment forms processing.Under 20: Account-Related Locks, choose 907000 : PF Processing / check book mgmt and ensure that the Allow Pmnt Form Lock setting (on the Payment Form tab page) is selected for the relevant payment form types.Payment forms processing will be triggered at mass run order processing for the PLM documents of the related single checks.


3. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Assign Event Type to Locks Categories and assign the previously created event type to the lock categories Usual Lock and Dispatch Lock (mass run order processing related).

Groups for Organizational Units

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Groups for Organizational Units .

2. Define the relevant groups for the organizational units and assign the respective organizational units to each group.

Checkbook Relevant Business Transaction Categories

1. In Customizing for Financial Services, choose Account Management Check Book Management Basic Settings Define Check Book Relevant Business Transaction Categories .

2. Specify the business transaction categories relevant for checkbooks (e.g. ATM).In this Customizing activity, you assign previously defined business transaction categories as checkbook relevant. The respective business transaction categories are defined in Customizing for Financial Services under Account Management Basic Settings Define Customer-Specific Business Transaction Categories .

4.5.5 Printing Configuration

In the Customizing activities described below, you define checkbook printing configuration. In general, these settings will be redefined by the specific customer implementation.

Define Check Book Providers

1. In Customizing for Financial Services, choose Account Management Check Book Management PrintingDefine Check Book Providers .

2. Define a list of print shop providers.

Define Check Book Layouts

1. In Customizing for Financial Services, choose Account Management Check Book Management PrintingDefine Check Book Layouts .



2. Define a list of layouts to be used by the provider.

Define Content Type of Print Line for BAdI

1. In Customizing for Financial Services, choose Account Management Check Book Management PrintingDefine Content Type of Print Line for BAdI .

2. Define the content types to be used on the print lines by the relevant BAdIs.The default print line configuration is as follows:

Table 252:

Content Content Description Default PL

01 Account Holder Name Print data line 1

02 Account Holder Tax Data, Client Since, Ch.Lot qty.

Print data line 2

03 Responsible Name Print data line 3

04 Responsible Tax Data Print data line 4

4.5.6 Configuration for Fee Handling


With the following Customizing activities you define the settings for triggering fee payments.

4.5.6.2 Define Differentiation Categories

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Differentiation Categories .

2. Define the relevant differentiation categories as follows:

Table 253:

DC 1 Diff. Cat. Descr. DiffValCat Table Reference Values

200 Check Book Activity 9 Value Transfer by BADI Not applicable

201 Check Book Category 9 Value Transfer by BADI Not applicable


DC 1 Diff. Cat. Descr. DiffValCat Table Reference Values

202 Check Book Type 1 Reference to Table Table Name: /FSCBM/T_CB_TYPE

Field Name 1: CB_TYPE

Text Table: /FSCBM/T_CB_TYPT

Language Field: SPRAS

Text Field: CBT_DESCRIPTION

203 Group of Org. Unit 1 Reference to Table Table Name: /FSCBM/T_ORG_GRP

Field Name 1: ORG_GROUP

Text Table: /FSCBM/T_ORG_GRT

Language Field: SPRAS

Text Field: GRP_DESCRIPTION

204 Business Trans. Category 9 Value Transfer by BADI Not applicable

4.5.6.3 Assign Condition Categories to Differentiation Categories

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Assign Condition Categories to Differentiation Categories .

2. Make the relevant category assignments as follows:

Table 254:

CondCat Condition Category Description

DC 1 Diff. Cat. Descr.

115020 Event-Controlled Cond. 200 Check Book Activity

115020 Event-Controlled Cond. 201 Check Book Category

115020 Event-Controlled Cond. 202 Check Book Type

115020 Event-Controlled Cond. 203 Group of Org. Unit



CondCat Condition Category Description

DC 1 Diff. Cat. Descr.

115020 Event-Controlled Cond. 204 Business Trans. Category

4.5.6.4 Define Condition Type

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Condition Type and define the relevant condition type.

2. In the ChargeEventCat. field, enter Event Charge.3. On the Differentiation Category tab page, assign the condition categories to the new condition type:

Table 255:

Seq. No. Different. Diff. Category Diff. Cat. Descr. CO. Dimension

1 200 Check Book Activity 1 = Value Request

2 204 Business Trans. Category

1 = Value Request

3 202 Check Book Type 1 = Value Request

4 203 Group of Org. Unit 1 = Value Request

5 201 Check Book Category 1 = Value Request

4. On the Waiver tab page, assign the relevant waivers:

Table 256:

Posting Type Waiver

PstgType NgAdj W2

PstingType PAdj W1


4.5.6.5 Other Relevant Customizing Activities

Use

The following Customizing activities are intended as a sample checklist of additional settings that will need to be redefined for the specific implementation:

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Define Condition Group Types and define the relevant condition group types.

2. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Assign Condition Type to Transaction Type and make the relevant transaction type assignments.

3. In Customizing for Financial Services, choose Account Management Product Management Financial Conditions Transaction Types for Transaction Charges and Event Charges and assign the relevant transaction types for transaction and event charges.

4. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsReconciliation Define Internal Applications for Reconciliation and enter the relevant Account

Management applications.

5. On the SAP Easy Access screen, choose Financial Services Account Management Current SettingsFinancial Conditions Condition Group Edit Condition Group and create conditions for different checkbook activities:○ Activation○ Creation○ Lock○ Assignment

4.5.7 Business Add-Ins and Interfaces

Business Add-Ins (BAdIs)

The Business Add-Ins (BAdIs) for checkbook management are provided with default implementations. The default implementations can be redefined by customer-specific implementations, as required.

You can access these BAdIs (and their respective implementations) in Customizing for Financial Services under Account Management Check Book Management BAdIs .

BAdI: Automatic Determination of Print Line Content

You can use this BAdI to automatically insert print data from the checkbook agreement on checkbooks.



The default implementation determines the full name and the standard address of the business partner (contained in the CB_HOLDER_ID field) and returns the name in the first print data line and the address in the following 3 lines.

BAdI: Numbering of Check Books/Single Checks

You can use this BAdI to automatically create external IDs for checkbooks and for single checks within a checkbook.

The default implementation increments the maximum checkbook number per account by one or increments the provided first single check number or the maximum single check number by one (per account and checkbook type).

BAdI: Numbering of Check Book Agreements

You can use this BAdI to automatically create external IDs for checkbook agreements.

The default implementation increments the maximum checkbook agreement number per account by one.

BAdI: Additional Checks for Check Books

You can use this BAdI to implement customer enhancements in the checkbook checking process.

The default implementation checks that the new single check numbers (for personalized checkbooks) are within the range of 10000000000000000001 and 60000000000000000000.

BAdI: Additional Checks for Check Book Agreements

You can use this BAdI for customer enhancements within the checking process of check book agreements. The BAdI is called in the CHECK method of checkbook agreements in all checkbook agreement maintenance transactions.

BAdI: Additional Open Conditions of Check Books

You can use this BAdI to implement customer enhancements in the checkbook creation and modification process. The BAdI is called in the OPEN method as part of the creation or change of checkbooks.

Note that this BAdI must be implemented if checkbooks are to be declined during the renewal process.

BAdI: Additional Open Conditions of Check Book Agreements

You can use this BAdI for customer enhancements in the process of creating and changing checkbook agreements, for example, to prevent a checkbook agreement from being opened. The BAdI is called in the OPEN method during creation or change of a checkbook agreement.

BAdI: Checks for Renewal Decision

You can use this BAdI for customer enhancements relating to the renewal decision within the mass run for the automatic renewal of checkbooks. It enables the bank to implement further checks regarding the renewal decision and filter which checkbooks are passed to the renewal process.

The BAdI is called in the LOAD_DATA_WITH_RANGE and LOAD_DATA_WITH_TAB methods of the mass run for automatic renewal of checkbooks. The decision to decline a checkbook renewal is made in the Additional Open Conditions of Check Books BAdI, which is processed later.

BAdI: Definition for Single Check I/O

You can use this BAdI to provide the base functionality for the Payment Forms Management component.

BAdI: Definition for Order I/O


You can use this BAdI to order personalized checkbooks in accordance with your requirements.

BAdI: Account I/O

You can use this BAdI to provide the base functionality for the Accounts component.

BAdI: Check Book Order I/O

You can use this BAdI to order personalized checkbooks in accordance with your requirements.

BAdI: Check Book Receiving Org Unit I/O

You can use this BAdI to implement your own business logic for the retrieval of organizational unit master data.

Localization-Specific Business Add-Ins (BAdIs)

The following BAdIs specific to the Brazil localization are located in Customizing for Financial Services under Account Management Check Book Management BAdIs Country-Specific BAdIs Brazil .

BAdI: Account Holder BPs

You can use this BAdI to retrieve the account holders of a specific account when you check whether the account holders have legal or financial restrictions.

BAdI: Print Data Definition

You can use this BAdI to automatically insert print data on checks.

BAdI: Minor BP Validation

You can use this BAdI to check if you can create a checkbook for a minor business partner (BP).

Inbound Interface Layer

The inbound interface layer (package /FSCBM/IN) provides the complete checkbook management functionality to external components. The layer is intended for use with dialog and non-dialog channels, as well as for other processes such as Posting Lock Management (PLM).

Note that there are no Enterprise SOA services included in checkbook management. Instead, remote function modules (RFC) are offered.

The following functions are offered via interfaces for checkbooks and checkbook agreements:

● Create checkbook● Change checkbook● Lock checkbook● Unlock checkbook● Renew checkbook● Delete checkbook● Read checkbook (several functions are offered e.g. read for list of CBAs, read for an account)● Create checkbook agreement



● Change checkbook agreement● Read checkbook agreement (several functions are offered e.g. read for an account)● Retrieve classic change documents for checkbook● Retrieve classic change documents for checkbook agreement

The interfaces offered by checkbook management are based on classic RFC (Remote Function Call) enabled function modules. All function modules are incorporated in development package /FSCBM/RFC.

Outbound Interface Layer

The outbound interface layer (package /FSCBM/OUT_MAIN) comprises the functionality needed for the connection of other business objects required for the checkbook management application (Accounts, Business Partner, Organizational Unit, Payment Forms and Ordering).

The connection to these other applications is provided using the BAdI technology. SAP delivers a standard implementation for each required component located in the same system. Using the BAdI technology, it is possible to overwrite these standard implementations to connect alternative components, which may reside in the local or in remote systems. BAdIs exist for most of the checkbook management processes (see above).

4.5.8 Authorization Objects

In addition to standard worldwide authorization objects, the following authorization object is available for the Brazilian localization of banking services from SAP:

Table 257:

Authorization Object ID Description

F_BR_CBFNR Authorization object for financial restriction in checkbook management

This authorization object allows the manager to bypass a financial restriction when requesting a checkbook.

4.5.9 Procedures and Checks

Customer Requests a New Checkbook

The following BAdIs are necessary for the validation of financial restrictions and authorization of the checkbook.

1. In Customizing for Financial Services, choose Account Management Check Book Management BAdIs .2. Apply the following BAdIs as indicated:

● BAdI: Additional Checks for Check Book Agreements (/FSCBM/BD_AL_ADD_CHECK_CBA): check methods, all related transactions


● BAdI: Additional Checks for Check Books (/FSCBM/BD_AL_ADD_CHECK_CB): check methods, all related transactions

● BAdI: Additional Open Conditions of Check Books (/FSCBM/BD_AL_OPEN_COND_CB): create and change● BAdI: Additional Open Conditions of Check Book Agreements (/FSCBM/BD_AL_OPEN_COND_CBA): create and

change

Depending on customer requirements, authorization customizing may also be needed. Note that this documentation does not cover authorization customizing. For information about authorization objects for checkbook management, see Authorization Objects [page 207].

Check Financial Restriction (On Demand)



● BAdI: Additional Open Conditions of Check Books (/FSCBM/BD_AL_OPEN_COND_CB): create and change● BAdI: Additional Open Conditions of Check Book Agreements (/FSCBM/BD_AL_OPEN_COND_CBA): create and

change


Check Financial Restriction (Renewal or Request)

The following BAdIs are necessary for the validation of financial restrictions and authorization of checkbook requests or renewals.


● BAdI: Checks for Renewal Decision (/FSCBM/BD_AL_RENEWAL_DECISION): influences the selection of checkbooks within the mass run for the automatic renewal of checkbooks

● BAdI: Additional Checks for Check Book Agreements (/FSCBM/BD_AL_ADD_CHECK_CBA): check methods for checkbook agreements

● BAdI: Additional Checks for Check Books (/FSCBM/BD_AL_ADD_CHECK_CB): check methods for checkbooks




Check Financial Restriction (BP Rating Procedure)

For financial restriction checks, it is necessary to create a new BP rating procedure with corresponding ratings. The values shown below are sample values.

1. In Customizing for Financial Services, choose SAP Business Partner for Financial Services Settings for Financial Services General Settings Ratings Set Rating Procedures and Ratings .

2. Create a new rating procedure and enter the appropriate values, as in the following example:

Table 258:

Field Value

Rat. Proc. 9FINRESTR

Description (Non Lang-Dep) Financial Rest.

Term Long Term

Description of Rating Procedure Financial restriction for checkbook printing

3. Enter corresponding ratings for the new rating procedure:

Table 259:

Field Value (Entry 1) Value (Entry 2)

Rating 0 1

Rank A B

Description (Non Lang-Dep) No restriction Financial restr.

Description of Rating No financial restriction for checkbooks Client with financial restriction for checkbooks

Checkbook Request (BS–CBM) 1

The following BAdIs is necessary for update of the Track Order ID field according to customer requirements.

1. In Customizing for Financial Services, choose Account Management Check Book Management BAdIs .2. Apply the following BAdI as indicated:

● BAdI: Check Book Order I/O (/FSCBM/BD_OUT_ORDER_IO): called in the order run, for example to determine the tracking ID, determine the provider ID and format the order data for the provider



Checkbook Request (BS–CBM) 2

The following BAdI is needed in order to add the required lines (fields) for printing according to the layout assigned to the checkbook.

1. In Customizing for Financial Services, choose Account Management Check Book Management BAdIs .2. Apply the following BAdI as indicated:

● BAdI: Check Book Order I/O (/FSCBM/BD_OUT_ORDER_IO): called in the order run, for example to determine the tracking ID, determine the provider ID and format the order data for the provider


Manual Check for Creation of Checkbook or Checkbook Agreement at Branch



● BAdI: Additional Checks for Check Book Agreements (/FSCBM/BD_AL_ADD_CHECK_CBA): check methods, all related transactions

● BAdI: Additional Checks for Check Books (/FSCBM/BD_AL_ADD_CHECK_CB): check methods, all related transactions

Depending on customer requirements, authorization customizing may also be needed. For information about authorization objects for checkbook management, see Authorization Objects [page 207].

4.6 Configuration for Tax Calculation

4.6.1 Introduction

This section describes how to configure the system to calculate the following taxes on the following products:

● Withholding tax on corporate savings accounts (see Withholding Tax on Corporate Savings Accounts [page 211])

● IOF on loans (see Configuration for Calculation of IOF on Loans [page 216])● Complementary IOF on overdue installments (see )



4.6.2 Withholding Tax on Corporate Savings Accounts


To customize tax manager according to the requirements for withholding tax calculation on corporate savings accounts, follow the steps below.

4.6.2.2 Define Tax Item Types

Use

In this step, you create tax item types to map the interest operations on corporate savings accounts on which tax manager calculates taxes to comply with the regulations.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Item Type .


Table 260:


Enter any ID for the tax item type that you want to use for tax on interest as of May 4, 2012, for example, 1.

Enter a description of your choice, for example, INTEREST.

Enter any ID for the tax item type that you want to use for tax on interest before May 4, 2012, for example, 2.

Enter a description of your choice, for example, INTEREST – SAC PRE MP567 – BR

Enter any ID for the tax item type that you want to use for posting of withholding tax on interest as of May 4, 2012, for example, 500001.

Enter a description of your choice, for example, IRRF POST.

Enter any ID for the tax item type that you want to use for posting of withholding tax on interest before May 4, 2012, for example, 500002.

Enter a description of your choice, for example, IRRF POST – SAC PRE MP567 – BR.



4.6.2.3 Assign Tax Item Types to Operations

Use

In this step, you assign the tax item types for interest on corporate savings accounts to the corresponding operation IDs.

Prerequisites

You have created the tax item types in Define Tax Item Types [page 211].

Procedure


2. Enter the mapping assignments for each relevant combination of tax operation and tax item type.

Table 261:

Tax Op ID Description Tax Item Type

15 INTEREST – SAC PRE MP567 – BR Enter the tax item type that you have created for tax on interest before May 4, 2012.

2 INTEREST Enter the tax item type that you have created for tax on interest as of May 4, 2012.


4.6.2.4 Assign Transaction Types and Condition Types to Tax Item Type

Use

In this step, you assign the tax item types for interest on corporate savings accounts to the corresponding condition types that you use for base and additional interest calculation on corporate savings accounts.



Prerequisites

● You have created the tax item types in Define Tax Item Types [page 211].● You have created the settlement conditions for base and additional interest in Create Condition Group and

Conditions for Settlement [page 158].

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Transaction Types and Condition Types to Tax Item Type .

2. Enter the mapping assignments for all condition types that are relevant for tax calculation.

Table 262:

CondTyp TranTyp Tax Item Typ RC Dec Places

Enter the condition type that you use for base interest on deposits made before May 4, 2012.

Enter the ID for the tax item type that you have created for tax on interest (before May 4, 2012).

Round to Nearest

Two Decimal Places

Enter the condition type that you use for additional interest on deposits made before May 4, 2012.

Enter the ID for the tax item type that you have created for tax on interest (before May 4, 2012).

Round to Nearest

Two Decimal Places

Enter the condition type that you use for base interest on deposits made as of May 4, 2012.

Enter the ID for the tax item type that you have created for tax on interest (as of May 4, 2012).

Round to Nearest

Two Decimal Places

Enter the condition type that you use for additional interest on deposits made as of May 4, 2012.

Enter the ID for the tax item type that you have created for tax on interest (as of May 4, 2012).

Round to Nearest

Two Decimal Places

Enter the condition type that you use for withholding Tax (as of May 4, 2012).

Enter the transaction type that you use for withholding Tax (as of May 4, 2012).

Enter the ID for the tax item type that you have created for posting of withholding tax on interest (as of May 4, 2012).

Round to Nearest

Two Decimal Places


CondTyp TranTyp Tax Item Typ RC Dec Places

Enter the condition type that you use for withholding Tax (Before May 4, 2012).

Enter the transaction type that you use for withholding Tax (Before May 4, 2012).

Enter the ID for the tax item type that you have created for posting of withholding tax on interest (before May 4, 2012).

Round to Nearest

Two Decimal Places


4.6.2.5 Assign Posting Transactions to Operations

Use

In this step, you assign tax manager operations to the condition and transaction types that you use for withholding tax calculation on corporate savings accounts.

Prerequisites

You have created the condition types for withholding tax calculation on corporate savings accounts in Create Condition Types for Withholding Tax Calculation for Tax Manager [page 148].

Procedure



Table 263:

Tax Op ID Tax Type Tax Item Type

2 IRRF Enter the ID for the tax item type that you have created for posting of withholding tax on interest (as of May 4, 2012).



Tax Op ID Tax Type Tax Item Type

15 IRRF Enter the ID for the tax item type that you have created for posting of withholding tax on interest (before May 4, 2012).


4.6.2.6 Specify Tax Rates

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Rates


Table 264:

Field Entry

Tax Rate ID Enter an ID for your tax rate.


Tax Rate 22,5

Tax Type IRRF

Country BR


4.6.2.7 Determine Process Integrator Implementation Spot

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Process Integration Settings Determine Process Integrator Implementation Spot


Table 265:

Field Entry

ProcIntId 7

BussProcDefID 7


Field Entry

AccTypePC DEPT

Business Process SETTLEMENT

Bus Proc Act Step AFTER_ROUNDING

ProcOrd 1

Implement. Spot Name AFTER_ROUNDING

PI Class Name /FSGLO/CL_TAX_PROC_INTEGRATOR


4.6.3 IOF on Loans


You use this section to configure loan products to meet tax calculation requirements in Brazil.

In Brazil, you are required to calculate regular IOF and additional IOF on loans, complementary IOF on arrears on overdue installments, and complementary IOF on renegotiation on loans payment replanning.

NoteFor more information about the business processes and functions related to loans for Brazil, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP BrazilAccount Management (FS-AM) Loans .

4.6.3.2 Maintain and Assign Transaction Types for Payment Items

Use

For the calculation and payment of IOF taxes, you need to set up the following transaction types for payment items:

● Regular IOF● Additional IOF● Complementary IOF on arrears● Complementary IOF on renegotiation




● Reversal of advance payment of tax● Reversal payment of tax● Reversal of payment of tax on renegotiation● Reversal of payment of tax on arrears● Advance payment of tax● Credit from payment of tax● Payment of tax on arrears● Payment of tax on renegotiation

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic Functions Transaction Types and Transactions Type Groups Maintain and Assign Transaction Types for Payment Items .

2. Create new transaction types as follows:

NoteOn the configuration screens listed below, leave all the fields and checkboxes that are not mentioned, empty or deselected.

Table 266: Transaction Type for Payment Item: Regular IOF

Field Entry

Trans. Type Enter a number of your choice, for example, 999115.

Item Type Turnover

Short Descriptn Enter a description of your choice, for example, Regular IOF.

Long Name Enter a description of your choice, for example, Regular IOF.

Account Names None

Access Limit None

Availability Checks None

Payment Monitoring None

Plan Monitoring Select the checkbox.

ValDte Spec. Value Date Entry Required


Field Entry

ValueDte Deriv. Value Date Matches Value Date of First Position

Reversal OK Select the checkbox.

Spec SubFinPayt Not a Subject to Final Payment Transaction Type

Deriv. SFP Date No SubFinPayt Date for More Payment Item Positions

PaytDistr. Payment Item Not Transferred

Standing Order Not Used

TT Group Posting Check Debits - Interest and Charges

TTGroup Pst Ctrl Rules Interest and Charges

Business Trans. Code 814

TT Grp CrcyExch Internal

Table 267: Transaction Type for Payment Item: Additional IOF

Field Entry


Item Type Turnover

Short Descriptn Enter a description of your choice, for example, Additional IOF.

Long Name Enter a description of your choice, for example, Additional IOF.

Account Names None

Access Limit None










Field Entry








Table 268: Transaction Type for Payment Item: Complementary IOF on Arrears

Field Entry


Item Type Turnover

Short Descriptn Enter a description of your choice, for example, Comp. IOF on Arr..

Long Name Enter a description of your choice, for example, Complementary IOF on Arrears.

Account Names None

Access Limit None












Field Entry





Table 269: Transaction Type for Payment Item: Complementary IOF on Renegotiation

Field Entry


Item Type Turnover

Short Descriptn Enter a description of your choice, for example, Comp. IOF on Renegot..

Long Name Enter a description of your choice, for example, Complementary IOF on Renegotiation.

Account Names None

Access Limit None
















Field Entry


Table 270: Transaction Type for Payment Item: Reversal of Advance Payment of Tax

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Reversal Adv. Tax.

Long Name Enter a description of your choice, for example, Reversal of Advance Payment of Tax.

Account Posting Check Select the checkbox.

ValDte SFP Select the checkbox.

Prenote Select the checkbox.

Account Names None

Access Limit None



Prenote Required Select the checkbox.

ValDte Spec. Value Date Entry Possible




PayDistr. Payment Item Not Transferred

Call Billing Select the checkbox.


TT Group Posting Check Other Debits

TTGroup Pst Ctrl Rules Debits from Payment Distr. for Loan



Field Entry

TT Grp CrcyExch Payment Transaction Debit

Table 271: Transaction Type for Payment Item: Reversal Payment of Tax

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Reversal Payt Tax.

Long Name Enter a description of your choice, for example, Reversal Payment of Tax.


Limit Check Select the checkbox.


Account Names None

Access Limit None









Schedule Settlement Select the checkbox.







Field Entry


Table 272: Transaction Type for Payment Item: Reversal of Payment of Tax on Renegotiation

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Rev. Payt Tax on Renegot..

Long Name Enter a description of your choice, for example, Reversal of Payment of Tax on Renegotiation.




Account Names None

Access Limit None















Field Entry


Table 273: Transaction Type for Payment Item: Reversal of Payment of Tax on Arrears

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Rev. Payt Tax on Arr..

Long Name Enter a description of your choice, for example, Reversal of Payment of Tax on Arrears.




Account Names None

Access Limit None
















Field Entry


Table 274: Transaction Type for Payment Item: Advance Payment of Tax

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Adv. Payt Tax.

Long Name Enter a description of your choice, for example, Advance Payment of Tax.


ValDte/SFP Select the checkbox.


Account Names None

Access Limit None


Payment Monitoring Y Payment Monitoring - Loans

CreditMemo Select the checkbox.







Call Billing Select the checkbox.


TT Group Posting Check Other Credits

TTGroup Pst Ctrl Rules Cr Memos: Payt Distrib. for Loans


Field Entry


TT Grp CrcyExch Payment Transaction Credit

Table 275: Transaction Type for Payment Item: Credit from Payment of Tax

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Credit Payt Tax.

Long Name Enter a description of your choice, for example, Credit from Payment of Tax.




Account Names None

Access Limit None











TT Group Posting Check Debits – Interest and Charges




Field Entry


Table 276: Transaction Type for Payment Item: Payment of Tax on Arrears

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Payt Tax on Arr..

Long Name Enter a description of your choice, for example, Payment of Tax on Arrears.




Account Names None

Access Limit None











TT Group Posting Check Debits – Interest and Charges



Field Entry


Table 277: Transaction Type for Payment Item: Payment of Tax on Renegotiation

Field Entry


Item Type Recipient

Short Descriptn Enter a description of your choice, for example, Payt Tax on Renegot..

Long Name Enter a description of your choice, for example, Payment of Tax on Renegotiation.


ValDte SFP Select the checkbox.


Account Names None

Access Limit None















Field Entry


3. Save your entries.4. To enable the system to post IOF taxes correctly during the forward order process, select the Own Check

checkbox for the following transaction types:○ 020010 (Debit from Loan Disbursement)○ 020014 (Debit from Disbursement Withholding)


4.6.3.3 Maintain Transaction Types for Information Items

Use

For IOF tax calculation, you need two transaction types for information items, one for regular IOF and another for additional IOF.

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsTransaction Types and Transactions Type Groups Maintain Transaction Types for Information Items

2. Create two transaction types as follows:


Transaction Type for Information Item - Linear Calculation Method for Regular IOF

Table 278:

Field Entry


Item Type Item Relevant to Settlement

Short Descriptn Enter a description of your choice, for example, Regular IOF.


Field Entry

Long Name Enter a description of your choice, for example, Regular IOF: For Information.

Reversal OK Select the checkbox

Display Payment Notes Select the checkbox

Online Ent. PI Select the checkbox



Transaction Type for Information Item - Linear Calculation Method for Additional IOF

Table 279:

Field Entry


Item Type Item Relevant to Settlement

Short Descriptn Enter a description of your choice, for example, Additional IOF.

Long Name Enter a description of your choice, for example, Additional IOF: For Information.

Reversal OK Select the checkbox

Display Payment Notes Select the checkbox

Online Ent. PI Select the checkbox




4.6.3.4 Assign Offsetting Transaction Types (Internal Process)

1. In Customizing for Financial Services, choose Account Management Order Management Payment OrderAssign Offsetting Transaction Types to Transaction Types Assign Offsetting Transaction Types (Internal

Process) .



2. Select the following transaction type:

Table 280:

Tran Ty Long Name Trans. Type

042700 Debit From Payment Distribution of Loan

3. Under Dialog Structure, choose Offsetting Transactions Type Assignment.4. Create new offsetting transaction types as exemplified below:

Table 281:

OfTrTy Desc. Transact. Type Default

092721 Adv. Payt Tax Deselect the checkbox.

092722 Credit Payt Tax Deselect the checkbox.

092723 Payt Tax on Arr. Deselect the checkbox.

092724 Payt Tax on Renegot. Deselect the checkbox.


4.6.3.5 Posting Type Settings


You determine the posting types, for example, settlement postings, that the system generates automatically when it calculates taxes on loans. You organize the postings internally in the system by means of posting types.

4.6.3.5.2 Create Posting Types

Use

You define the posting types, for example, settlement postings, that the system generates automatically when it calculates taxes on loans. You organize the postings internally in the system by means of posting types.

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsMaintain Posting Types .


2. To meet your customer-specific requirements, create posting types, for example, as follows:

Table 282:

PT (Posting Type) Credit Memo Proc. (Process) Desc. Posting Type

IW Selected Payment Transaction IOF Payment

IX Deselected Direct Charges Overdue IOF

IY Deselected Direct Charges Additional IOF

IZ Deselected Direct Charges Regular IOF


4.6.3.5.3 Assign Posting Types to Transaction Types

Use

To enable the system to post items in the corresponding accounts, assign posting types to transaction types in the correct sequence.

Prerequisites

You have determined posting types as described in Create Posting Types [page 231].

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsAssign Transaction Types Posting Types .

2. Create entries to assign the posting types that you created in Create Posting Types [page 231] to transaction types as exemplified below:

Table 283:

PT (Posting Type) TranTy (Transaction Type) Desc. Transact. Type

IN 999172 Comp. IOF on Renegot.

IX 999118 Comp. IOF on Arr.



PT (Posting Type) TranTy (Transaction Type) Desc. Transact. Type

IY 999117 Additional IOF

IZ 999115 Regular IOF


4.6.3.6 Create Financial Condition Types

4.6.3.6.1 Create Financial Condition Type for Additional IOF

Use

To enable the system to calculate additional IOF on a disbursement, use a specific condition type. The base amount that the system uses in the IOF calculation is the disbursement turnover.

Procedure


2. Choose the New Entries pushbutton and enter the following data:


Table 284:

Field Entry

Condit. Type Enter an identifier of your choice, for example, 999798.

Cond. Type Name Enter a description of your choice, for example, Additional IOF.

Cond.Category 185000

Posting +/-Sign Debit Memo

Screen sequence 105021


Field Entry

Calc. Category 2010

Update Category GTX0

Posting Type Enter IY or choose the posting type that you created in Create Posting Types [page 231].

PstingType PAdj Enter IY or choose the posting type that you created in Create Posting Types [page 231].

PstgType NgAdj. Enter IY or choose the posting type that you created in Create Posting Types [page 231].



Cond. Determin Select the checkbox.

Number Calendar 3

Tiered/IntAllow Select the checkbox.

Exch.rate type M

Incl. cond. Select the checkbox.


ChargeEventCat. Disbursement Charge

Restart Info. Overlap



Last Inst. Adjust Last Installment to Remaining Balance

3. Under Dialog Structure, choose Amount Category and enter the following data:

Table 285:

Field Entry

Amt Categ. 105020

Desc. Amt Category Debit Interest




Field Entry

Waiver Allowed Select the checkbox.


4.6.3.6.2 Create Financial Condition Type for Regular IOF

Use

To enable the system to calculate regular IOF on the planned principal portion of a loan installment, use a specific condition type.

Procedure




Table 286:

Field Entry


Cond. Type Name Enter a description of your choice, for example, Regular IOF.




Calc. Category 2010

Update Category GTX0


Field Entry

Posting Type Enter IZ or choose the posting type that you created in Create Posting Types [page 231].

PstingType PAdj Enter IZ or choose the posting type that you created in Create Posting Types [page 231].

PstgType NgAdj. Enter IZ or choose the posting type that you created in Create Posting Types [page 231].




Cond. Determin Select the checkbox

Number Calendar 3

Tiered/IntAllow Select the checkbox

Exch.rate type M

Incl. Cond. Select the checkbox


ChargeEventCat. Disbursement Charge

Restart Info. Overlap





Table 287:

Field Entry

Amt Categ. 105020



Waiver Allowed Select the checkbox




4.6.3.6.3 Create Financial Condition Type for Complementary IOF on Arrears Pricing




Table 288:

Field Entry


Cond. Type Name Enter a description of your choice, for example, Comp. IOF on Arrears Pricing.




Calc. Category 1010

Update Category GB20

Posting Type Enter IX or choose the posting type that you created in Create Posting Types [page 231].

PstingType PAdj Enter IX or choose the posting type that you created in Create Posting Types [page 231].

PstgType NgAdj. Enter 11 or choose the posting type that you created in Create Posting Types [page 231].




Cond. Determin Select the checkbox.

Number Calendar 3


Field Entry

Tiered/IntAllow Select the checkbox.

Exch.rate type M

Incl. cond. Select the checkbox.


ChargeEventCat. Not Defined






Table 289:

Field Entry

Amt Categ. 105020



Waiver Allowed Select the checkbox.


4.6.3.6.6 Assign Financial Condition Types to Condition Group Type

Use

To process financial condition types, you assign all condition types that are relevant for a given financial product to a condition group type.

Prerequisites

You have created condition types for IOF as described in Financial Condition Types [page 235].



Procedure


2. Select the 210 Loan Settlement condition group type.3. Under Dialog Structure, choose Condition Type.4. Add the condition types that you created in Financial Condition Types [page 235] for regular IOF, additional

IOF, complementary IOF on arrears pricing, and complementary IOF on renegotiation pricing.5. Select the 240 Payment: Loans condition group type.6. Under Dialog Structure, choose Condition Type.7. Add the condition types that you created in Financial Condition Types [page 235] for disbursement IOF

payment, complementary IOF on arrears payment, and complementary IOF on renegotiation payment.8. Save your entries.

4.6.3.7 Tax Manager Settings

4.6.3.7.1 Define Tax Operations

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Operations .


Table 290:


Enter a unique identifier of your choice, for example, 16.

X Enter a description of your choice, for example, DISBURSEMENT.

Enter a unique identifier of your choice, for example, 20.

Leave field blank. Enter a description of your choice, for example, DISBURSEMENT EVENTS.


4.6.3.7.2 Define Tax Types

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Types



Table 291:

Tax Type Description Tax Calculator

Enter a unique identifier of your choice, for example, IOF.

Enter a description of your choice, for example, TAX IOF.

/FSLBR/CL_BRAZIL_CALCULATOR

Enter a unique identifier of your choice, for example, IOFA.

Enter a description of your choice, for example, ADDITIONAL IOF.

/FSLBR/CL_TAX_IOF_ADDITIONAL

Enter a unique identifier of your choice, for example, IOFR.

Enter a description of your choice, for example, REGULAR IOF.

/FSLBR/CL_TAX_IOF_REGULAR

Enter a unique identifier of your choice, for example, IOFC.

Enter a description of your choice, for example, COMPLEMENTARY_IOF.

/FSLBR/CL_TAX_IOF_COMPLEMENTAR


4.6.3.7.3 Define Tax Item Types

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Tax Item Types .


Table 292:

Tax ItemTy. Description

Enter the ID for the tax type for disbursement events, for example, 20.

Enter a description of your choice, for example, OPERATION ID 20.

Enter the ID for the tax type for complementary IOF, for example, 500053.

Enter a description of your choice, for example, POST COMPLEMENTARY IOF.

Enter the ID for the tax type for regular IOF, for example, 500063.

Enter a description of your choice, for example, POST REGULAR IOF.

Enter the ID for the tax type for additional IOF, for example, 500073.

Enter a description of your choice, for example, POST ADDITIONAL IOF.

Enter the ID for the tax type for disbursement, for example, 3.

Enter a description of your choice, for example, OPERATION ID 16.




4.6.3.7.4 Assign Transaction Types and Condition Types to Tax Item Types

Use

Assign the tax item types that you created for input and posting to the corresponding condition types as described below.

Prerequisites

● You have created condition types as described in Financial Condition Types [page 233].● You have created transaction types as described in Maintain and Assign Transaction Types for Payment

Items [page 216].● You have created tax item types as described in Define Tax Item Types [page 240].

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Transaction Types and Condition Types to Tax Item Types .

2. Enter the mapping assignments for all the relevant condition types:

Table 293:

CondTyp TranTy Tax ImTy RC Dec Places

Enter the standard condition type for loans capital repayment 511010.

NoteRegardless the payment condition type for capital that you use in the loan contract, use this entry in Assign Transaction Types and Condition Types to Tax Item Type [page 212].

Leave the field empty. Enter the tax item type ID that you created for input disbursement events, for example, 20.

Round To Nearest Two decimals places



NoteIt is not necessary to configure this condition type again if you use only the 511010 standard condition for loans capital repayment.

Enter the number of the condition type for loans capital repayment that you use in the loan contract.

Leave the field empty. Enter the tax item type ID that you created for input disbursement events, for example, 20.


Leave the field empty. Enter a number of your choice, for example, 020010.

Enter the tax item type ID that you created for input disbursement, for example, 3.


Enter the condition type that you created in , for example, 999173.

Leave the field empty. Enter the tax item type ID that you created for input tax on loans payment replanning, for example, 28.


Enter the condition type that you created for complementary IOF on arrears pricing, for example, 999799.

Leave the field empty. Enter the tax item type ID that you created for post complementary IOF on arrears, for example, 500053.

Round Down Two decimals places

Enter the condition type that you created for additional IOF, for example, 999798.

Leave the field empty. Enter the tax item type ID that you created for post additional IOF, for example, 500073.


Enter the condition type that you created for regular IOF, for example, 999797.

Leave the field empty. Enter the tax item type ID that you created for post regular IOF, for example, 500063.





Enter the condition type that you created for complementary IOF on renegotiation pricing, for example, 999796.

Leave the field empty. Enter the tax item type ID that you created for post complementary IOF on renegotiation, for example, 500083.



4.6.3.7.5 Assign Tax Item Types to Operations

Prerequisites

● You have determined tax operations as described in Define Tax Operations [page 239].● You have created tax item types as described in Define Tax Item Types [page 240].

Procedure



Table 294:


Enter the tax item type that you created for input disbursement events in Define Tax Item Types [page 240], for example, 20.

Enter the tax operation ID that you created for disbursement events in Define Tax Operations [page 239], for example, 20.

Enter the tax item type that you created for input tax on loans payment replanning in Define Tax Item Types [page 240], for example, 28.

Enter the tax operation ID that you created for tax on loans payment replanning in Define Tax Operations [page 239], for example, 28.

Enter the tax item type that you created for input disbursement in Define Tax Item Types [page 240], for example, 3.

Enter the tax operation ID that you created for disbursement in Define Tax Operations [page 239], for example, 16.



4.6.3.7.6 Define Business Partner Tax Classification

Use

To comply with regulation and business practices, you determine a classification for your business partners to exempt a certain group of them from IOF or to apply special tax rates, for example, for companies under the Simples Nacional category.

NoteThe standard delivery contains the tax classification Court Exemption Order (25) that you can use to exempt a given business partner from paying IOF based on court orders.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Define Business Partner Tax Classification .


Table 295:

Tax Classf Description

Enter an identifier, for example, 8. Enter a description of your choice, for example, EXEMPT.

Enter an identifier, for example, 13. Enter a description of your choice, for example, SIMPLES NACIONAL.

Enter an identifier, for example, 25. Enter a description of your choice, for example, COURT EXEMPTION ORDER.


4.6.3.7.7 Define Tax Types and Tax Groups

1. In Customizing for Financial Services, choose SAP Business Partner for Financial Services General Settings Business Partner Basic Settings Tax Types and Tax Groups Define Tax Type and Tax Groups .





Table 296:

Country Tax Type Description BPs Products Sequence

BR Enter an identifier for IOF, for example, IOF.

Enter a description of your choice, for example, IOF.

Select the checkbox.

Deselect the checkbox.

7

BR Enter an identifier for regular IOF, for example, IOFR.

Enter a description of your choice, for example, Regular IOF.



8

BR Enter an identifier for additional IOF, for example, IOFA.

Enter a description of your choice, for example, Additional IOF.



8

BR Enter an identifier for complementary IOF on arrears, for example, IOFC.

Enter a description of your choice, for example, Complementary IOF on Arrears.


Deselect the checkbox.

7

3. Save your entries.4. Select the entry that you created for IOF.5. Under Dialog Structure, choose Assign Business Partner Tax Groups and enter the following data:

Table 297:

Country Tax Type Tax Group Description

BR Enter the tax type that you created for IOF, for example, IOF.

Enter an identifier for the tax group, for example, 1.

Enter a description of your choice, for example, SIMPLES NACIONAL.



BR Enter the tax type that you created for IOF, for example, IOF.


Enter a description of your choice, for example, COURT EXEMPTION ORDER.

6. Save your entries.7. Select the entry that you created for Regular IOF.8. Under Dialog Structure, choose Assign Business Partner Tax Groups and enter the following data:

Table 298:


BR Enter the tax type that you created for regular IOF, for example, IOFR.





Enter a description of your choice, for example, EXEMPT.




9. Save your entries.10. Select the entry that you created for Additional IOF.11. Under Dialog Structure, choose Assign Business Partner Tax Groups and enter the following data:

Table 299:


BR Enter the tax type that you created for additional IOF, for example, IOFA.









12. Save your entries.13. Select the entry that you created for Complementary IOF on Arrears.



14. Under Dialog Structure, choose Assign Business Partner Tax Groups and enter the following data:

Table 300:


BR Enter the tax type that you created for complementary IOF on arrears, for example, IOFC.










4.6.3.7.8 Assign Business Partner Tax Classifications to Business Partner Tax Groups

Prerequisites

You have determined the business partner tax classification in Define Business Partner Tax Classification [page 244].

You have determined tax types and tax groups in Define Tax Types and Tax Groups [page 244].

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Assign Business Partner Tax Classifications to Business Partner Tax Groups .



Table 301:


Enter the tax type that you created for IOF in Define Tax Types and Tax Groups [page 244], for example, IOF.

1 Enter the ID for Simples Nacional that you determined in Define Business Partner Tax Classification [page 244], for example, 13.


Enter the tax type that you created for IOF in Define Tax Types and Tax Groups [page 244], for example, IOF.

3 Enter the ID for Court Exemption Order that you determined in Define Business Partner Tax Classification [page 244], for example, 25.


Enter the tax type that you created for regular IOF in Define Tax Types and Tax Groups [page 244], for example, IOFR.




2 Enter the ID for Exempt that you determined in Define Business Partner Tax Classification [page 244], for example, 8.





Enter the tax type that you created for additional IOF in Define Tax Types and Tax Groups [page 244], for example, IOFA.












Enter the tax type that you created for complementary IOF on arrears in Define Tax Types and Tax Groups [page 244], for example, IOFC.










4.6.3.7.9 Assign Posting Transactions to Operations

Use

Assign tax manager operations to the tax types and tax item types that you use for regular IOF, additional IOF, complementary IOF on arrears, and complementary IOF on renegotiation.

Prerequisites

● You have created tax operations as described in Define Tax Operations [page 239].● You have created tax types for additional IOF as described in Define Tax Types [page 239].● You have created tax item types for additional IOF as described in Define Tax Item Types [page 240].


Procedure



Table 302:

Tax Op ID Tax Type Tax ItmTy

Enter the tax operation ID that you created for disbursement in Define Tax Operations [page 239], for example, 16.

Enter the tax type that you created for additional IOF in Define Tax Types [page 239], for example, IOFA.

Enter the tax item type that you created for post additional IOF inDefine Tax Item Types [page 240], for example, 500073.


Enter the tax type that you created for regular IOF in Define Tax Types [page 239], for example, IOFR.

Enter the tax item type that you created for post regular IOF in Define Tax Item Types [page 240], for example, 500063.


Enter the tax type that you created for complementary IOF on arrears in Define Tax Types [page 239], for example, IOFC.

Enter the tax item type that you created for post complementary IOF on arrears in Define Tax Item Types [page 240], for example, 500053.

Enter the tax operation ID that you created for tax on loans payment replanning in Define Tax Operations [page 239], for example, 28.

Enter the tax type that you created for complementary IOF on renegotiation in Define Tax Types [page 239], for example, IOFN.

Enter the tax item type that you created for IOF on renegotiation in Define Tax Item Types [page 240], for example, 500083.


4.6.3.7.10 Specify Tax Rates

Use

The system calculates complementary IOF on arrears using the same rate applied to regular IOF in the disbursement event.

To check this rate, follow the procedure described below.

Prerequisites

You have created tax types as described in Define Tax Types [page 239].



Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax Manager Specify Tax Rates .

2. Enter the tax rates as exemplified below:

NoteThe IOF rates are published by the government and are subject to change.


Table 303:

Tax Rate ID Start Date End Date Tax Rate Tax Type Country

102 01.01.2000 31.12.9999 0.38 Enter the tax type that you created for additional IOF in Define Tax Types [page 239], for example, IOFA.

BR

104 01.01.2000 31.12.9999 0.38 Enter the tax type that you created for additional IOF in Define Tax Types [page 239], for example, IOFA.

BR

300 01.01.2000 31.12.9999 0.0082 Enter the tax type that you created for regular IOF in Define Tax Types [page 239], for example, IOFR.

BR


Tax Rate ID Start Date End Date Tax Rate Tax Type Country

301 01.01.2000 31.12.9999 0.0041 Enter the tax type that you created for complementary IOF on renegotiation in Define Tax Types [page 239], for example, IOFN.

BR

302 01.01.2000 31.12.9999 0.00137 Enter the tax type that you created for regular IOF in Define Tax Types [page 239], for example, IOFR.

BR


4.6.3.7.11 Specify Tax Assignments

Prerequisites

You have created tax types as described in Define Tax Types [page 239].

Procedure




Tax Assignment for Regular IOF



Table 304:

Field Entry

Country BR

Tax Op ID 20

Tax Type Enter the tax type that you created for regular IOF in Define Tax Types [page 239], for example, IOFR.


End Date 31.12.9999

Rate Determiner /FSLBR/CL_IOFR_DETERMINE_RATE

Reference Data Control /FSLBR/CL_TAX_IOF_DATA_CONTROL

Tax Assignment for Additional IOF

Table 305:

Field Entry

Country BR

Tax Op ID 16

Tax Type Enter the tax type that you created for additional IOF in Define Tax Types [page 239], for example, IOFA.


End Date 31.12.9999

Rate Determiner /FSLBR/CL_IOFA_DETERMINE_RATE

Tax Assignment for Complementary IOF on Arrears

Table 306:

Field Entry

Country BR

Tax Op ID 20

Tax Type Enter the tax type that you created for complementary IOF on arrears in Define Tax Types [page 239], for example, IOFC.



Field Entry

End Date 31.12.9999

Rate Determiner /FSLBR/CL_IOFC_DETERMINE_RATE


Tax Assignment for Complementary IOF on Renegotiation

Table 307:

Field Entry

Country BR

Tax Op ID 28

Tax Type Enter the tax type that you created for complementary IOF on renegotiation in Define Tax Types [page 239], for example, IOFN.


End Date 31.12.9999



4.6.3.7.12 Process Integrator Settings


NoteAll the rates specified below are for your reference. Enter the corresponding rate for the tax when making these settings.

4.6.3.7.12.2 Determine Process Integrator Implementation Spot

1. In Customizing for Financial Services, choose General Localization Services Tax Manager Process Integrator Settings Determine Process Integrator Implementation Spot .




Table 308:

ProcIntID BussProcDefID

AccTypePC Business Process

Bus Proc Act Step

ProcOrd Implement. Spot

PI Class Name

51 51 LOAN DISBURSEMENT

AFTER_SKIP

1 AFTER_SKIP

/FSGLO/CL_TAX_PROC_INTEGRATOR

52 51 LOAN DISBURSEMENT

AFTER_SKIP

2 AFTER_SKIP

/FSLBR/CL_TAX_PR_INT_OVER_DISB

55 55 LOAN SETTLEMENT

AFTER_SKIP

1 AFTER_SKIP

/FSGLO/CL_TAX_PROC_INTEGRATOR

57 55 LOAN SETTLEMENT

AFTER_SKIP

3 AFTER_SKIP

/FSLBR/CL_TAX_PR_INT_ON_ARREAR


4.6.3.7.12.3 Assign Process Integrator Tax Type

1. In Customizing for Financial Services, choose General Localization Services Tax Manager Process Integrator Settings Assign Process Integrator Tax Type .


Table 309:

ProcIntID Tax Type PrepareRelevant Calc Relevant Post Relevant

10 Enter the tax type that you have created for additional IOF in Define Tax Types [page 239].

Leave field blank. Selected Selected


ProcIntID Tax Type PrepareRelevant Calc Relevant Post Relevant

51 Enter the tax type that you have created for regular IOF in Define Tax Types [page 239].

Leave field blank. Leave field blank. Leave field blank.

52 Enter the tax type that you have created for regular IOF in Define Tax Types [page 239].

Leave field blank. X X


Leave field blank. Selected Selected


Leave field blank. Leave field blank.

Leave field blank.


4.6.3.8 Amount Reservation Settings

4.6.3.8.1 Define Amount Reservation Types

1. In Customizing for Financial Services, choose Account Management Basic Settings Amount Reservation Types Define Amount Reservation Types .


Table 310:

AmtResType Description

Enter an identifier of your choice for the amount reservation type, for example, 0L10.

Enter a description of your choice for the amount reservation type, for example, Payment of Tax.


Enter a description of your choice for the amount reservation type, for example, Reversal Payment of Tax.


Enter a description of your choice for the amount reservation type, for example, Advance Payment of Tax.



AmtResType Description


Enter a description of your choice for the amount reservation type, for example, Reversal Early Payment of Tax.


Enter a description of your choice for the amount reservation type, for example, Payment Comp. IOF on Arr..


Enter a description of your choice for the amount reservation type, for example, Reversal Payment Comp. IOF on Arr..


Enter a description of your choice for the amount reservation type, for example, Payment Comp. IOF on Renegot..


Enter a description of your choice for the amount reservation type, for example, Reversal Payment Comp. IOF on Renegot..


4.6.3.8.2 Define Payment Distribution Types

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Define Payment Distribution Types .


Table 311:

PD Type PD Type Desc. Usage Cat.

Enter an identifier of your choice, for example, 000900.

Enter a description of your choice, for example, Prepayment of Tax.

004 Prepayment


Enter a description of your choice, for example, Payment of Tax.

003 Due Item Clearing


Enter a description of your choice, for example, Payment Comp. IOF on Arr..



PD Type PD Type Desc. Usage Cat.


Enter a description of your choice, for example, Payment Comp. IOF on Renegot..



4.6.3.8.3 Assign Transaction Types and Reserved Types to Payment Distribution Types

Prerequisites

● You have created transaction types for tax payment as described in Maintain and Assign Transaction Types for Payment Items [page 216].

● You have created payment distribution types as described in Define Payment Distribution Types [page 257].● You have created amount reservation types as described in Define Amount Reservation Types [page 256].

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Assign Trans. Types and Reserv. Types to Paymt Distr. Types .


Table 312:

PD Type TransType OffsetType Rev. Type Res. Type Rev Res Ty

Enter the payment distribution type that you created for the prepayment of tax in Define Payment Distribution Types [page 257], for example, 000900.

Enter the transaction type that you created for advance payment of tax in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092721.

042831 042831 Enter the amount reservation type that you created for the advance payment of tax in Define Amount Reservation Types [page 256], for example, 0L12.

Enter the amount reservation type that you created for the reversal early payment of tax in Define Amount Reservation Types [page 256], for example, 0L13.



PD Type TransType OffsetType Rev. Type Res. Type Rev Res Ty

Enter the payment distribution type that you created for the payment of tax in Define Payment Distribution Types [page 257], for example, 000901.

Enter the transaction type that you created for credit from payment of tax in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092722.

042900 042841 Enter the amount reservation type that you created for the payment of tax in Define Amount Reservation Types [page 256], for example, 0L10.

Enter the amount reservation type that you created for the reversal payment of tax in Define Amount Reservation Types [page 256], for example, 0L11.

Enter the payment distribution type that you created for the payment of complementary IOF on arrears in Define Payment Distribution Types [page 257], for example, 000902.

Enter the transaction type that you created for payment of tax on arrears in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092723.

042900 042841 Enter the amount reservation type that you created for the payment of complementary IOF on arrears in Define Amount Reservation Types [page 256], for example, 0L14.

Enter the amount reservation type that you created for the reversal payment of complementary IOF on arrears in Define Amount Reservation Types [page 256], for example, 0L15.

Enter the payment distribution type that you created for the payment of complementary IOF on renegotiation in Define Payment Distribution Types [page 257], for example, 000904.

Enter the transaction type that you created for payment of tax on renegotiation in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092724.

042900 042842 Enter the amount reservation type that you created for the payment of complementary IOF on renegotiation in Define Amount Reservation Types [page 256], for example, 0L16.

Enter the amount reservation type that you created for the reversal payment of complementary IOF on renegotiation in Define Amount Reservation Types [page 256], for example, 0L17.


4.6.3.8.4 Define Transaction Types for the Open Item Management System

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Define Transaction Types for the Open Item Management System .



Table 313:

Trsn Type Trans. Type Desc.

GTX1 Debit Position IOF Disb.

GB21 Debit Position Comp. IOF on Arr.

GB31 Debit Position Comp. IOF on Renegot.


4.6.3.8.5 Assign Transaction Types for Open Item Management System to Payment Distribution Types

Prerequisites

You have created transaction types for the open item management system in Define Transaction Types for the Open Item Management System [page 259].

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Assign Trans. Types for OIM System to Paymt Distr. Types .


Table 314:

Use Cat. Trsn Type Trans. Type Desc. PD Type PD Type Desc

003 GB31 Debit Position Comp. IOF on Renegot.

000904 Payment Comp. IOF on Renegot.

003 GTX1 Debit Position IOF Disb.

000901 Payment of Tax

003 GB21 Debit Position Comp. IOF on Arr.

000902 Payment Comp. IOF on Arr.



Use Cat. Trsn Type Trans. Type Desc. PD Type PD Type Desc


000900 Prepayment of Tax


000900 Prepayment of Tax

008 GB31 Debit Position Comp. IOF on Renegot.

000904 Payment Comp. IOF on Renegot.


000901 Payment of Tax


000902 Payment Comp. IOF on Arr.


4.6.3.8.6 Assign Condition Types for Limitation/Clearing of Info Items

Use

You have created transaction types for information items in Maintain Transaction Types for Information Items [page 229].

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management SettlementAssign Condition Types for Limitation/Clearing of Info Items .




Table 315:

Trans. Type Offset Cond. Type Detail

700000 999797 999797

700001 999798 999798


4.6.3.9 Prenote Settings

4.6.3.9.1 Create Prenote Types

1. In Customizing for Financial Services, choose Account Management Item Management PrenoteDefine Prenote Types .



Payment of Tax

Table 316:

Field Entry

Prenote Type Enter an identifier of your choice, for example, L10.

Desc. Prenote Type Enter a description of your choice, for example, Payment of Tax.


Account Names None

Access Limit None



Credit Memo Select the checkbox.

Create Mode Only BAPI



Field Entry

TransTyGrp Pstg Chck 1400

TA Type Grp CrcyExch 002000

Reversal Payment of Tax

Table 317:

Field Entry


Desc. Prenote Type Enter a description of your choice, for example, Reversal Payment of Tax.


Account Names None

Access Limit None


Own Check Select the checkbox.





Advance Payment of Tax

Table 318:

Field Entry


Desc. Prenote Type Enter a description of your choice, for example, Advance Payment of Tax.


Account Names None

Access Limit None



Field Entry

Payment Monitoring Payment Monitoring - Loans





Reversal Early Payment of Tax

Table 319:

Field Entry


Desc. Prenote Type Enter a description of your choice, for example, Reversal Early Payment of Tax.


Account Names None

Access Limit None







Payment Complementary IOF on Arrears

Table 320:

Field Entry


Desc. Prenote Type Enter a description of your choice, for example, Payment Comp. IOF on Arr..




Field Entry

Account Names None

Access Limit Tunover-Based Only







Reversal Payment Complementary IOF on Arrears

Table 321:

Field Entry


Desc. Prenote Type Enter a description of your choice, for example, Reversal Payment Comp. IOF on Arr..


Account Names None

Access Limit None







Payment Complementary IOF on Renegotiation


Table 322:

Field Entry


Desc. Prenote Type Enter a description of your choice, for example, Payment Comp. IOF on Renegot..


Account Names None








Reversal Payment Complementary IOF on Renegotiation

Table 323:

Field Entry


Desc. Prenote Type Enter a description of your choice, for example, Reversal Payment Comp. IOF on Renegot..


Account Names None

Access Limit None








Field Entry



4.6.3.9.2 Define Turnover Classes

1. In Customizing for Financial Services, choose Account Management Item Management Turnover Classes for Flexible Account Balances Define Turnover Classes .



Table 324:

Field Entry

Turn Class TAX0

Description Turnover Class Tax: To Pay

Agg Select the checkbox.

Assignment Assignment via Application

Update Update via Application

Table 325:

Field Entry

Turn Class TAX1

Description Turnover Class Tax: Owed





Table 326:

Field Entry

Turn Class TAX2

Description Turnover Class Tax: Paid (Clearing)




Table 327:

Field Entry

Turn Class TAX3

Description Turnover Class Tax: Adv. Payt




Table 328:

Field Entry

Turn Class TOA0

Description Turnover Class Tax on Arrears: To Pay




Table 329:

Field Entry

Turn Class TOA1

Description Turnover Class Tax on Arrears: Owed





Field Entry


Table 330:

Field Entry

Turn Class TOA2

Description Turnover Class Tax on Arrears: Paid (Clearing)




Table 331:

Field Entry

Turn Class TOA3

Description Turnover Class Tax on Arrears: Adv. Payt




Table 332:

Field Entry

Turn Class TXR0

Description Turnover Class Tax on Renegot.: To Pay




Table 333:

Field Entry

Turn Class TXR1

Description Turnover Class Tax on Renegot.: Owed


Field Entry




Table 334:

Field Entry

Turn Class TXR2

Description Turnover Class Tax on Renegot.: Paid (Clearing)




Table 335:

Field Entry

Turn Class TXR3

Description Turnover Class Tax on Renegot.: Adv. Payt





4.6.3.9.3 Assign Turnover Classes to Prenote Types

Prerequisites

● You have created prenote types as described in Create Prenote Types [page 262].● You have created turnover classes as described in Define Turnover Classes [page 267].



Procedure

1. In Customizing for Financial Services, choose Account Management Item Management PrenoteAssign Turnover Classes to Prenote Types .

2. On the Maintenance View for Prenote Types screen, select the prenote types that you created in Create Prenote Types [page 262] and choose Assigned Turnover Classes.


Table 336:

Prenote Type Turnover Class

Enter the payment of tax prenote type that you created in Create Prenote Types [page 262], for example, L10.

TAX2

Enter the reversal payment of tax prenote type that you created in Create Prenote Types [page 262], for example, L11.

TAX2

Enter the advance payment of tax prenote type that you created in Create Prenote Types [page 262], for example, L12.

TAX3

Enter the reversal early payment of tax prenote type that you created in Create Prenote Types [page 262], for example, L13.

TAX3

Enter the payment complementary IOF on arrears prenote type that you created in Create Prenote Types [page 262], for example, L14.

TOA2

Enter the reversal payment complementary IOF on arrears prenote type that you created in Create Prenote Types [page 262], for example, L15.

TOA2


4.6.3.9.4 Define Prenote Types for Withholding Categories

Prerequisites

● You have created transaction types for the open item management (OIM) system as described in Define Transaction Types for the Open Item Management System [page 259].

● You have created prenote types as described in Create Prenote Types [page 262].


Procedure

1. In Customizing for Financial Services, choose Account Management Order Management Account OrderDisbursement (Loans) Define Prenote Types for Withhold Categories .


Table 337:

UpdateCat. Prenote Type Offset Prenote Adv Pmt Prenote Type

Adv Pmt Offset Prenote

Enter the debit position IOF disbursement transaction type for the OIM system that you configured in Define Transaction Types for the Open Item Management System [page 259], for example, GTX1.





Enter the GB20 complementary IOF on arrears: to be requested transaction type for the OIM system.

546 646 557 657

Enter the debit position complementary IOF on arrears transaction type for the OIM system that you configured in Define Transaction Types for the Open Item Management System [page 259], for example, GB21.

546 646 557 657




4.6.3.9.5 Assign Amount Reservation Types to Prenote Types

Prerequisites

● You have created amount reservation types as described in Define Amount Reservation Types [page 256].● You have created prenote types as described in Create Prenote Types [page 262].

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Prenote Assign Amount Reservation Types to Prenote Types .


Table 338:

Country Tax Type

Enter the payment of tax amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L10.


Enter the reversal payment of tax amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L11.


Enter the advance payment of tax amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L12.


Enter the reversal early payment of tax amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L13.


Enter the payment complementary IOF on arrears.amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L14.

Enter the payment complementary IOF on arrears prenote type that you created in Create Prenote Types [page 262], for example, L14.

Enter the reversal payment complementary IOF on arrears amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L15.

Enter the reversal payment complementary IOF on arrears prenote type that you created in Create Prenote Types [page 262], for example, L15.

Enter the payment complementary IOF on renegotiation amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L16.

Enter the payment complementary IOF on renegotiation prenote type that you created in Create Prenote Types [page 262], for example, L16.


Country Tax Type

Enter the reversal payment complementary IOF on renegotiation amount reservation type that you created in Define Amount Reservation Types [page 256], for example, 0L17.

Enter the reversal payment complementary IOF on renegotiation prenote type that you created in Create Prenote Types [page 262], for example, L17.


4.6.3.10 Define Derivation Rules for Turnover Classes

Use

For each turnover class that you determined for IOF, assign two transaction types, one for debit and another for credit. You determine two different derivation rules for each turnover class as described below.

Prerequisites

● You have created transaction types for payment items as described in Maintain and Assign Transaction Types for Payment Items [page 216].

● You have created turnover classes as described in Define Turnover Classes [page 267].

Procedure

1. In Customizing for Financial Services, under Account Management Item Management Turnover Classes for Flexible Account Balances Define Derivation Rules for Turnover Classes , select the first node with the <No Condition Defined> condition, choose Create Node and select As Last Lower-Level Node.

2. In the Selected Node tab, create a new condition and enter the following data:

Table 339:

Field Entry

Node Active Select the checkbox.





Field Entry

Value Enter the reversal payment of tax transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 042841.

3. In the Target group box, create a new target and enter the following data:

Table 340:

Field Entry

Turnover Class Enter the tax: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TAX2.

4. Save your entries.5. In the Selected Node tab, create a new condition and enter the following data:

Table 341:

Field Entry




Value Enter the credit from payment of tax transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092722.


Table 342:

Field Entry

Turnover Class Enter the tax: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TAX2.


Table 343:

Field Entry



Field Entry



Value Enter the reversal of advance payment of tax transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 042831.


Table 344:

Field Entry

Turnover Class Enter the tax: advance payment turnover class that you created in Define Turnover Classes [page 267], for example, TAX3.


Table 345:

Field Entry




Value Enter the advance payment of tax transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092721.


Table 346:

Field Entry

Turnover Class Enter the tax: advance payment turnover class that you created in Define Turnover Classes [page 267], for example, TAX3.




14. In the Selected Node tab, create a new condition and enter the following data:

Table 347:

Field Entry




Value Enter the reversal of payment of tax on arrears transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 042843.


Table 348:

Field Entry

Turnover Class Enter the tax on arrears: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TOA2.


Table 349:

Field Entry




Value Enter the payment of tax on arrears transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092723.


Table 350:

Field Entry

Turnover Class Enter the tax on arrears: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TOA2.



20.In the Selected Node tab, create a new condition and enter the following data:

Table 351:

Field Entry




Value Enter the reversal of payment of tax on renegotiation transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 042842.


Table 352:

Field Entry

Turnover Class Enter the tax on renegotiation: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TRX2.


Table 353:

Field Entry




Value Enter the payment of tax on renegotiation transaction type that you created in Maintain and Assign Transaction Types for Payment Items [page 216], for example, 092724.

24.In the Target group box, create a new target and enter the following data:

Table 354:

Field Entry

Turnover Class Enter the tax on renegotiation: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TRX2.




4.6.3.11 Configure Account Product for IOF on Loans

Use

When creating or adjusting the account product to enable IOF calculation on loans, make the settings as described below.

Prerequisites

You have created turnover classes as described in Define Turnover Classes [page 267].

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Product Definition Account Products Create / Change Account Product .

2. In the product attribute structure, make the settings as described below:

Table 355:

Attribute Path in Product Attribute Tree Entry

Maximum No. Tolerance Days From Disbursement Date

Disbursement Item Withheld from

Disbursement

Enter the maximum number of days that the system allows, for example, 999999.

Logical Turnover Class General Settlement Attributes

Relevant to Clearing

GTX0

Real Turnover Class General Settlement Attributes


Enter the tax: to pay turnover class that you created in Define Turnover Classes [page 267], for example, TAX0.


Table 356:




Disbursement




GTX1



Enter the tax: owed turnover class that you created in Define Turnover Classes [page 267], for example, TAX1.

Table 357:




Disbursement




GTX2



Enter the tax: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TAX2.

Table 358:




Disbursement




GTX3



Enter the tax: advance payment turnover class that you created in Define Turnover Classes [page 267], for example, TAX3.



Table 359:




Disbursement




GB20



Enter the tax on arrears: to pay turnover class that you created in Define Turnover Classes [page 267], for example, TOA0.

Table 360:




Disbursement




GB21



Enter the tax on arrears: owed turnover class that you created in Define Turnover Classes [page 267], for example, TOA1.

Table 361:




Disbursement




GB22



Enter the tax on arrears: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TOA2.


Table 362:




Disbursement




GB23



Enter the tax on arrears: advance payment turnover class that you created in Define Turnover Classes [page 267], for example, TOA3.

Table 363:




Disbursement




GB30



Enter the tax on renegotiation: to pay turnover class that you created in Define Turnover Classes [page 267], for example, TXR0.

Table 364:




Disbursement




GB31



Enter the tax on renegotiation: owed turnover class that you created in Define Turnover Classes [page 267], for example, TXR1.



Table 365:




Disbursement




GB32



Enter the tax on renegotiation: paid (clearing) turnover class that you created in Define Turnover Classes [page 267], for example, TXR2.

Table 366:




Disbursement




GB33



Enter the tax on renegotiation: advance payment turnover class that you created in Define Turnover Classes [page 267], for example, TXR3.

3. Save and activate the account product.

4.6.3.12 Edit Descriptions for Seasonal Limits

1. In Customizing for Financial Services, choose Account Management Contract Management AccountEdit Descriptions for Seasonal Limits .


Table 367:

Seas. Lim. Desc. Seasonal Limit

Enter a seasonal limit identifier of your choice, for example, LIF.

Enter a seasonal limit description of your choice, for example, Limit for Items to Fund.



4.6.3.13 Define Payment Note Categories for IOF

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsBasic Posting Settings Define Types for Structured Payment Notes .



Table 368:

Payment Note Type Description Type of Payment Note

Enter an identifier of your choice, for example, 090. Enter a description of your choice, for example, Number of Days of IOF.

Enter an identifier of your choice, for example, 091. Enter a description of your choice, for example, Currency for IOF.

Enter an identifier of your choice, for example, 092. Enter a description of your choice, for example, Amount for IOF.

Enter an identifier of your choice, for example, 093. Enter a description of your choice, for example, Percentage of IOF.

Enter an identifier of your choice, for example, 094. Enter a description of your choice, for example, Disbursement Date.

Enter an identifier of your choice, for example, 095. Enter a description of your choice, for example, Installment Date.


4.6.3.14 Configure Localization Parameters

Prerequisites

● You have configured payment note categories as described in Define Payment Notes Categories for IOF [page 284].

● You have configured the industries that are tax exempt when you create the business partner in the transactional banking system.



Procedure


2. Select the following localization parameters one at a time.3. For each of the parameters, under Dialog Structure, choose Customer Parameter Value and enter the data

described in the Parameter Value column below.

Table 369:

Parameters Customer Parameter Values

Localization Parameter Group Parameter Subgroup Parameter Name Parameter Value

Global TAX_MANAGER PAYMENT_NOTE_ID DAYS Enter the number of days of IOF payment note type that you configured in Define Payment Note Categories for IOF [page 284].

CURRENCY Enter the currency for IOF payment note type that you configured in Define Payment Note Categories for IOF [page 284].

BASE_AMOUNT Enter the amount for IOF payment note type that you configured in Define Payment Note Categories for IOF [page 284].

RATE Enter the percentage of IOF payment note type that you configured in Define Payment Note Categories for IOF [page 284].




DISBURSEMENT_DATE

Enter the disbursement date payment note type that you configured in Define Payment Note Categories for IOF [page 284].

INSTALLMENT_DATE Enter the installment date payment note type that you configured in Define Payment Note Categories for IOF [page 284].

Brazil TAX_MANAGER IOF COMPANY_EXEMPTION

Enter the industries that are exempt from IOF.

LIMIT_AMT_FOR_RATE_DETERMI NER

Enter the maximum amount for the account committed limit of a loan for which the system applies special IOF rates, for example, for companies under the Simples Nacional category.

MAX_DAYS Enter the maximum number of days that the system uses to calculate regular and complementary IOF on arrears.

PRENOTE_ADDITIONAL

Enter the prenote type that the system uses to withhold additional IOF in a loan disbursement.





PRENOTE_REGULAR Enter the prenote type that the system uses to withhold regular IOF in a loan disbursement.

Brazil TAX_MANAGER IOFA COMPANY_EXEMPTION

Enter the industries that are exempt from additional IOF.

COURT_EXEMPTION_ORDER

Enter the industries that are exempt from additional IOF due to court exemption order.

EXEMPT Enter the industries that are exempt from additional IOF.

NOT_APPLICABLE Enter the industries for which additional IOF is not applicable.

RATE_ZERO Enter the industries that receive zero rate for additional IOF.

Brazil TAX_MANAGER IOFR COMPANY_EXEMPTION

Enter the industries that are exempt from regular IOF.

COURT_EXEMPTION_ORDER

Enter the industries that are exempt from regular IOF due to a court exemption order.

EXEMPT Enter the industries that are exempt from regular IOF.

NOT_APPLICABLE Enter the industries for which regular IOF is not applicable.




RATE_ZERO Enter the industries that receive zero rate for regular IOF.


4.6.3.15 Posting Control Settings for IOF

4.6.3.15.1 Define Own Check Results

1. In Customizing for Financial Services, choose Account Management Item Management Posting Control Rules Define Own Check Results .


Table 370:

Check Objs Check Result No. Appl. Area Message

Own Check Own Check LT01 /FSGLO/TAX_MANAGER

016

Own Check Own Check LT02 /FSGLO/TAX_MANAGER

017


4.6.3.15.2 Define Error Types

1. In Customizing for Financial Services, under Account Management Item Management Posting Control Rules Error Types Define Error Types , enter the error types as exemplified below:

Table 371:

Field Entry

Error Type LT1

Error Type Descript. Incorrect Planned Taxes




4.6.3.15.3 Assign Error Types

1. In Customizing for Financial Services, under Account Management Item Management Posting Control Rules Error Types Assign Error Types , assign the error types as exemplified below:


Table 372:

Check Obj Check Result No. Error Type

Own Check Own Check LT01 LT1

Own Check Own Check LT02 LT1


4.6.3.15.4 Define Main Rule Set

1. In Customizing for Financial Services, under Account Management Item Managements Posting Control Rules Define Rule Set , determine a rule set as exemplified below:


Table 373:

Field Entry

Error Type LT1

Ty. Ordering Party

TrTypGrPsg 0400

First Resp Post Processing



4.6.3.16 Configuration for Disabling Partial Clearing for Open Item Transaction Types

Use

The system does not allow you to pay IOF partially. To disable the partial clearing of IOF, make the settings as described below.

Prerequisites

You have created transaction types for the open item management (OIM) system as described in Define Transaction Types for the Open Item Management System [page 259].

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Localization Settings Enable Partial Clearing for Open Item Transaction Types .

2. Determine a partial clearing for the open item transaction type as in the described below:

Table 374:

Field Entry

Rule Set Enter the rule set assigned to the loans product.

OI Trans Type Enter the transaction type that you configured in Define Transaction Types for the Open Item Management System [page 259], for example, GTX1.

Enbl. Part. Clear. Deselect the checkbox.

Table 375:

Field Entry


OI Trans Type Enter the transaction type that you configured in Define Transaction Types for the Open Item Management System [page 259], for example, GB21.




Table 376:

Field Entry


OI Trans Type Enter the transaction type that you configured in Define Transaction Types for the Open Item Management System [page 259], for example, GB31.



4.6.3.17 Create Dependency for Clearing Open Items

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Localization Settings Create Dependency for Clearing Open Items .


Table 377:

Field Entry


Dep. Group Enter an identifier for the dependency group, for example, A.

Partial Select the checkbox.

3. Save your entries.4. Select the new entry that you created.5. Under Dialog Structure, choose Open Item Transaction Types.6. Choose the New Entries pushbutton, and enter the following data in the OI TType field:

○ The standard open item transaction type for Debit Position Repayment (1550)○ The open item transaction type for Debit Position Complementary IOF on Arrears (GB21)


4.6.3.18 Configuration for Extending Disbursement Order

4.6.3.18.1 Configure New Object Categories

1. Run transaction SM34.2. Maintain view cluster VC_TBCA_ORLINK.


3. Choose Object Types in the Dialog Structure.4. Create a new object category reference with value LDBF01.5. Save your entries.6. Choose Functions in the Dialog Structure.7. Create an entry for the newly created object category reference and assign the value FINADI in the

Differentiation Functions for References of Orders field.8. Save your entries.

4.6.3.18.2 Configure Disbursement Order

4.6.3.18.2.1 Configure Events for the Disbursement Order

There are 5 events that must be configured in order to enable the financing of disbursement withheld items.

Below is the configuration for each of them:

1. Under the SAP Easy Menu Access, choose Financial Services Account Management Tools BDT Customizing Disbursement (Loans) (Dialog Only) Structure .

2. Run transaction for configuring events F9BODB_S73. Select line for event DCHCK and double click on Event -> Function Modules.

○ Disable the function module call under id 1000000 (i.e., erase the field Call)○ Enable the function module call under id 7000000 (i.e., mark the field Call)○ Save your entries.

4. Select line for event DSAVC and double click on Event -> Function Modules○ Disable the function module call under id 1000000 (i.e., erase the field Call)○ Enable the function module call under id 7000000 (i.e., mark the field Call)○ Save your entries.

5. Select line for event FCODE and double click on Event -> Function Modules○ Disable the function module call under id 1000 (i.e., erase the field Call)○ Enable the function module call under id 7000000 (i.e., mark the fieldCall)○ Save your entries.

6. Select line for event ISDAT and double click on Event -> Function Modules○ Enable the function module call under id 7000000(i.e., mark the field Call)○ Save your entries.

7. Select line for event SCRND and double click on Event -> Function Modules○ Enable the function module call under id 7000000 (i.e., mark the field Call)○ Save your entries.




4.6.3.18.2.2 Configure Views for the Disbursement Order

1. On the SAP Easy Access screen, choose Financial Services Account Management Tools BDT Customizing Disbursement (Loans) (Dialog Only) Structure Screen Layout Views .

2. Choose the BODB01 Disbursement view.3. In the Function Module group box, in the After Entry field, enter /FSGLO/FINA_DISB_PAI_BODB01.4. Save your entries.

4.6.3.18.3 Define Prenote Types

1. In Customizing for Financial Services, choose Account Management Item Management Prenote Define Prenote Types .

2. Choose the 500 Reservation: Disbursement - Loans prenote type.3. In the Checks group box, deselect the Facility checkbox.4. Save your entries.

4.7 Configuration for Payment Processing

4.7.1 Introduction

This section describes how to configure the system to process payments from customers to banks and between banks in line with requirements in Brazil.

NoteFor more information about the business processes and functions related to payment processing, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAPBrazil Account Management (FS-AM) Payment Processing .

4.7.2 Define Transaction Type Groups for Posting Rules

Use

To enable the system to use the same posting rules for similar transactions, you create a transaction type group, and assign posting rules to the transaction type group. The system then uses the same posting rules for all related transaction types.



Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Posting Control Rules Define Transaction Type Groups .

2. Create two transaction type groups, one for debit transactions and another for credit transactions, by entering the following data:

Table 378:

Field Entry

TransTypGr (Transaction Type Group) Enter a technical name of your choice, for example, BRDEB and BRCRED.

Descript. Transaction Type Group Enter a description of your choice, for example, Debits – BR Bank Transfer and Credits - BR Bank Transfer.


4.7.3 Define Main Rule Sets

Use

To enable the system to react to errors when it processes payments, you define rules. In the rules, you can determine how the system reacts when there is an error with an item. For example, you can set up the system to post the item.

Prerequisites

You have defined the required transaction type groups (see Define Transaction Type Groups for Posting Rules [page 293]).

Procedure


2. Define rules for each transaction type group, as described below.

Rules for Debit Transaction Type Groups

The example below is for the transaction type group for debits, BRDEB.



Create one rule for each error type, from C01 through C15, using the same values for each, as listed in the table below:

Table 379:

Field Entry

ErrorType C01 (from C01 through C15)

Ty. (Type of Payment Item) Ordering Party

TrTypGrPsg (Transaction Type Group: Rules for Posting Control)

BRDEB (see Define Transaction Type Groups for Posting Rules [page 314]).

First Resp (First Response (Posting Control Rules)) Post Processing (example only)

Proc.Reas. (Processing Reason) 2

Rules for Credit Transaction Type Groups

The example below is for the transaction type group for credits, BRCRED.

Create one rule for each error type, from C01 through C12, using the same values for each, as listed in the table below:

Table 380:

Field Entry


Ty. (Type of Payment Item) Recipients


BRCRED (see Define Transaction Type Groups for Posting Rules [page 314]).


Proc.Reas. (Processing Reason) Leave field blank.

Rules for Other Transaction Type Groups

To ensure that the system does not forward payment items to post processing when an error occurs for a transaction type group other than the ones above, you configure the error types C01 through C12 for all other transaction type groups that you use, as shown in the following table:

Table 381:

Field Entry


Ty. (Type of Payment Item) Leave field blank.


Field Entry


Leave field blank.

First Resp (First Response (Posting Control Rules)) Post


4.7.4 Create Transaction Types for Brazilian Bank Transfers

4.7.4.1 Create Transaction Types

Use

To differentiate standard transaction types from the transaction types that are required in Brazil, you create new transaction types for use in Brazil. The transaction types are as follows:

Table 382:

Purpose of Transaction Type Transaction Type

Debit for Customer-Bank Transfers DOC Debit

TED Debit

Bank Transfers

Bill Payments

Boleto

NoteBoleto is a common method of payment by bank transfer in Brazil. A vendor sends its customer a boleto (bank payment slip), which serves as an invoice. The customer pays the boleto at a local bank, and this bank then sends the payment to the vendor’s designated house bank.

Debit for Bank-Bank Transfers DOC C Debit

DOC D Debit

TED C Debit

TED D Debit



Purpose of Transaction Type Transaction Type

Credit for Customer-Bank Transfer DOC Credit

TED Credit

Bank Transfers

Credit for Bank-Bank Transfers DOC C Credit

DOC D Credit

TED C Credit

TED D Credit

Offsetting Transaction Types for Credit Credits to Checking Account

Rent Payments

Duplicatas

NoteDuplicatas are copies of invoices that you send to banks to collect receivables.

Exchange Transactions

Credit Card/Debit Transactions

Public Service Payments

Tax Payments

Public Sector Payments

Dividend Payments

Salary Payments

Prerequisites

You have created transaction type groups (see Define Transaction Type Groups for Posting Rules [page 293]).


Procedure


Items .2. Create the transaction types described in the table above. For debit transaction types, see Create Debit

Transaction Types [page 298]; for credit transaction types, see Create Credit Transaction Types [page 301].

NoteThe sequence of the fields in the tables below is correct in the detail view of the transaction types. We therefore recommend that you make all settings in the detail view.

4.7.4.2 Create Debit Transaction Types

For each debit transaction type listed in the table above, enter the data described in the tables below:

NoteEach subheading in this section represents a group box in the detail view of the transaction types.

Transaction Type Maintenance

Table 383:

Field Entry

Trans. Type Enter a technical name of your choice, for example, CNAB10.

Short Description Enter a short description of your choice, for example, DOC Debit Transfer.

NoteFor your short description, you can enter the transaction type names listed in the Transaction Type column of the table above.



Field Entry

Long Name Enter a long name of your choice, for example, DOC Debit Transfer.

NoteFor your long name, you can enter the transaction type names listed in the Transaction Type column of the table above.

Item Type Ordering Party

Tax TA Type Deselected

Relevant Checks

Table 384:

Field Entry

Account Posting Check Selected

Limit Check Selected

ValDte/SFP Selected

Facilities Selected

Payment Form Deselected

Prenote Deselected

Account Names None


Availability Checks All

Payment Monitoring Payment Monitoring - Time Deposits

Overdraft Protection Selected

Currency Exch. Deselected

Plan Monitoring Selected

Own Check Selected


Control

Table 385:

Field Entry

CreditMemo Deselected

Reversal OK Selected

Multiple Recipients OK Deselected

Display Payment Notes Selected

Intraday Relevant Deselected

Cus. Initiation Selected

Check Facilities Deselected

Change PaytPlan Leave field blank.

ValDteSpec Value Date Entry Possible

Spec Sub FinPayt Not a Subject to Final Payment Transaction Type

Payt Form Type Leave field blank.

Event Leave field blank.

Corresp. Type Leave field blank.


Other P/R Not Relevant

Schedule Settlement Deselected

Clearg Category Not Relevant for Billing

Call Billing Deselected

Retain Blank Lines Deselected



Use

Table 386:

Field Entry

Online Ent. PI Deselected

Online PO Selected

Online FO Selected


Assignment

Table 387:

Field Entry

TT Group Posting Check 800

TTGroup Pst Ctrl Rules BRDEB (see Define Transaction Type Groups for Posting Rules [page 293])


TT Grp CrcyExch 1000

4.7.4.3 Create Credit Transaction Types

For each credit transaction type listed in the table above, enter the data described in the tables below:


Table 388:

Field Entry

Trans. Type Enter a technical name of your choice, for example, CNAB20.


Field Entry

Short Description Enter a short description of your choice, for example, DOC Credit Transfer.

NoteFor your short description, you can enter the transaction type names listed in the Transaction Type column of the table above.

Long Name Enter a long name of your choice, for example, DOC Credit Transfer.

NoteFor your long name, you can enter the transaction type names listed in the Transaction Type column of the table above.

Item Type Recipient


Relevant Checks

Table 389:

Field Entry


Limit Check Deselected

ValDte/SFP Selected

Facilities Deselected


Prenote Deselected

Account Names Name of Account Holder

Access Limit None




Field Entry


Overdraft Protection Deselected



Own Check Selected

Control

Table 390:

Field Entry

CreditMemo Selected





Cus. Initiation Deselected








PaytDistr. Payment Item Transferred




Field Entry




Use

Table 391:

Field Entry


Online PO Selected

Online FO Selected


Assignment

Table 392:

Field Entry


TTGroup Pst Ctrl Rules BRCRED (see Define Transaction Type Groups for Posting Rules [page 293])



4.7.5 Assign Offsetting Transaction Types

Use

You determine the relationship between transaction types, for example, a DOC C debit transaction, and the associated offsetting transaction types. The settings that you make in this step determine what you can choose



on the selection screen of the Brazil-specific Create Order for Payment Processing (/FSLBR/PP_CREATE_ORDER) report.

Prerequisites

You have created the required transaction types (see Create Transaction Types for Brazilian Bank Transfers [page 296]).

Procedure

1. In Customizing for Financial Services, choose Account Management Order Management Payment OrderAssign Offsetting Transaction Types to Transaction Types Assign Offsetting Transaction Types (PO

Dialog) .2. Make the settings described below:

DOC Transactions

1. Select the transaction type that you created for DOC C debit and choose Assign Offsetting Transaction Type.2. Enter the following data:

Table 393:

OfTrTy (Offsetting Transaction Type)

Enter the technical name of your offsetting transaction type for rent payment.

Enter the technical name of your offsetting transaction type for duplicatas.

3. In the left frame, choose Transaction Type for Payment Order – Dialog and repeat the previous step for the transaction type that you created for DOC D debit.


TED Transactions

1. Select the transaction that you created for TED C debit and choose Assign Offsetting Transaction Type.2. Enter the following data:

Table 394:


Enter the technical name of your offsetting transaction type for exchange transaction.

Enter the technical name of your offsetting transaction type for credit card/debit transaction.

Enter the technical name of your offsetting transaction type for public service payment.



Enter the technical name of your offsetting transaction type for tax payment.

Enter the technical name of your offsetting transaction type for public sector payment.

Enter the technical name of your offsetting transaction type for dividend payment.

Enter the technical name of your offsetting transaction type for salary payment.

3. In the left frame, choose Transaction Type for Payment Order – Dialog and repeat the previous step for the transaction that you created for TED D debit.


4.7.6 Assign Processing Priority to Recipient Items

Use

When you execute the outgoing payment dispatcher using a mass run, the system processes external recipient items based on their processing priorities. If you do not specify a particular processing priority, the system processes all items sequentially according to their priorities.

Prerequisites

You have defined the transaction types that you require (see Create Transaction Types for Brazilian Bank Transfers [page 296]).

Procedure

1. In Customizing for Financial Services, choose Account Management Order Management Payment OrderOutgoing Payment Dispatcher Assign Processing Priority for Recipient Item .


Table 395:

Trans. Type (Transaction Type) Priority

Enter the technical name of your offsetting transaction type for credit in checking account.

Fast Payments



Trans. Type (Transaction Type) Priority

Enter the technical name of your offsetting transaction type for rent payment.

Fast Payments

Enter the technical name of your offsetting transaction type for duplicatas.

Fast Payments

Enter the technical name of your offsetting transaction type for exchange transaction.

Fast Payments

Enter the technical name of your offsetting transaction type for credit card/debit.

Fast Payments

Enter the technical name of your offsetting transaction type for public service payment.

Fast Payments

Enter the technical name of your offsetting transaction type for tax payment.

Fast Payments

Enter the technical name of your offsetting transaction type for public sector payment.

Fast Payments

Enter the technical name of your offsetting transaction type for dividend payment.

Fast Payments


4.7.7 Define Payment Media and Methods

Use

To enable the system to process incoming payments from the payment transaction system (PTS), you define the required payment media.

Procedure

1. In Customizing for Financial Services, choose Account Management Account Management Item Management Basic Functions Define Medium/Payment Method .



Table 396:

Screen Element Entry

Medium 0080

Medium Description DCR

Short D (Short Description) DCR

Format 2

PayMeth (Payment Method) Selected

St.Payt (Standard Payment Method) Deselected

Internal Acct (Payment Method for Internal Recipient Accounts)

Deselected

Control None

PFTy (Payment Form Type) Leave field blank.

AccSymbPF (Account Symbol (Payment Form)) Leave field blank.

Table 397:


Medium 0081

Medium Description STR_AND_PAG

Short D (Short Description) STRPAG

Format 2

PayMeth (Payment Method) Selected



Deselected

Control None





Table 398:


Medium 0082

Medium Description CNAB240

Short D (Short Description) CNAB

Format 5

PayMeth (Payment Method) Deselected



Deselected

Control None




4.7.8 Set Default Values for Order Creation Report

Use

To meet requirements in Brazil, you use a special report to create payment orders and forward orders. In this step, you determine which values you want the system to enter by default on the selection screen of the report.

Note

You access the report on the SAP Easy Access screen under Financial Services Account ManagementAccount Payment Transaction Orders Country-Specific Functions Brazil Create Order for Payment Processing .

You can specify default values for the following fields on the selection screen of the report:

● Transaction type● Payment medium● Payment method


Prerequisites

You have defined the transaction type, payment medium, and payment method that you want to specify as defaults.

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsSet Default Values .

2. Enter the required default values for the transaction code /FSLBR/OPP_ORDER.


Use

This section contains the product-specific parameters that are necessary to meet requirements in Brazil. The parameters contain standard values that enable the system to process payments according to the configuration you make by following the instructions provided in this chapter. You can customize the parameters to determine how the system processes incoming and outgoing payments. For example, you can define the amount limits for DOC payments and the transaction types that the system uses to validate TED transactions.

Procedure


2. Choose the localization country Brazil and the parameter group PAYMENT_PROCESSING.3. Review and configure the parameters as required, as described below.

The following parameter subgroups are available for customizing:

Table 399:

Parameter Subgroup Description

BP_TAX_CODE_TYPE Specifies the tax number categories that you use in the business partner (BP) master data for a given set of tax numbers (for example, CPF).

ERROR_TYPE Defines the own check results that the system uses for a given posting rule.



Parameter Subgroup Description

MAP_PAYMENT_NOTE Determines the type of payment notes that the system uses when it maps or validates the data in a payment order (for example, for information such as the account holder name, tax number).

MAXIMUM_VALUE Determines the limits for DOC and TED payment transactions.

MINIMUM_VALUE

MEDIUM Determines which payment media the system uses to verify that a payment is permitted in Brazil.

PAYMENT_ADVICE Defines the payment advice types that you use for DOC and TED payment transactions.

PAYMENT_NOTE Determines which payment notes type you use for the payment description in specific cases.

TRANSACTION_TYPE Determines the transaction types that you use in the Brazil-specific Create Order for Payment Processing (/FSLBR/PP_CREATE_ORDER) report. The system also uses these transaction types when it verifies the minimum and maximum amounts for DOC and TED transfers

4.7.10 Define Customer-Specific Validations

Use

To meet customer-specific requirements for incoming payment requests (for example, related to the PIS or PASEP number), you can include customer-specific validations. This step shows how you proceed to add customer-specific validations that you use when the system processes incoming payment requests.

Procedure

1. Create a new function module by copying the code in the Define Own Checks (/FSGLO/BTE_00010026) function module, which is assigned to the Define Own Checks (00010026) Business Transaction Event (BTE).You access the function module that is assigned to the BTE in Customizing for Financial Services under

Account Management Technical Settings Business Transaction Events / Event Control (FS-AM)Display Information System (P/S) .

2. Add the code required to carry out your customer-specific validations to the function module that you create.For more information about creating your own function modules, see the documentation for the BTE in the aforementioned Customizing activity.


CautionYou must not change or delete the code in the standard Define Own Checks (/FSGLO/BTE_00010026) function module, which is assigned to the Define Own Checks (00010026) BTE. The code in the standard function module ensures that the system validates data in line with legal requirements in Brazil.

3. Assign your new function module to the Define Own Checks (00010026) BTE in Customizing for Financial Services under Account Management Technical Settings Business Transaction Events / Event Control (FS-AM) Display Information System (P/S) .

4.8 Configuration for Payment Advice

4.8.1 Introduction

This section describes the standard settings and how to configure the system to process payment advices in line with requirements in Brazil.

NoteFor more information about the business processes and functions related to payment advice, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP BrazilAccount Management (FS-AM) Payment Advice .

4.8.2 Define Payment Directive Types

Use

To enable the system to process payment advices in line with the requirements for debit interbank transfers in Brazil, you use country-specific payment directive types.

By default, the system includes the payment directive types that are necessary to meet FEBRABAN’s CNAB 200 standard. The standard delivery comprises payment directive types for DOC C, DOC D, TED C and TED D.

The configuration steps described below show how to proceed to create your payment directive types to meet your specific requirements.

Procedure

1. In Customizing for Financial Services, choose Account Management Basic Settings Define Payment Directive Types .




2. For each payment directive type you create, enter the following data:

Table 400:

PayDirType Cash Flow Description of Payment Directive Type

Enter a unique number of your choice, for example, 08000079.

Subtract Enter a description of your choice, for example, DOC C - Credit to Checking Account.


4.8.3 Define Payment Advice Types

Use

To enable the user to select the payment advice types that are necessary to meet the requirements for debit interbank transfers in Brazil, you use country-specific payment advice types. The settings that you make in this step determine what you can choose on the selection screen when you create or edit a payment advice and select the Brazilian Bank Transfer payment advice category.

By default, the system includes the payment directive types that are necessary to meet FEBRABAN’s CNAB 200 standard. The standard delivery comprises payment advice types for DOC C, DOC D, TED C and TED D.

The configuration steps described below show how to proceed to create your payment advice types to meet your specific requirements.

Prerequisites

You have defined the required payment directive types (see Define Payment Directive Types [page 312]).

Note● To enable the system to send the correct posting text to the outgoing payment dispatcher, there must be a

1:1 relationship between the offsetting transaction types, payment advice types, and payment directive types that you use for debit interbank transfers in Brazil.

● For the payment advice types that are delivered as standard in the system, this step is not required.

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Payment Advice Define Payment Advice Type .


2. For each payment advice type you create, enter the following data:

Table 401:

PA Type Payt Adv. Ty. Desc. PA Catg. Dr./Cr. PayDirType

Enter a unique number of your choice, for example, 800079.

Enter a description of your choice, for example, DOC C - Credit to Checking Account.

800000 Credit Enter the corresponding payment directive type that you created in Define Payment Directive Types [page 312] (for example, 08000079).


4.8.4 Define Transaction Type Groups for Posting Rules

Use

To enable the system to use the same posting rules for similar transactions, you create a transaction type group, and assign posting rules to the transaction type group. The system then uses the same posting rules for all related transaction types.

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Posting Control Rules Define Transaction Type Groups .

2. Create a transaction type group for credit transactions by entering the following data:

Table 402:

Field Entry

TransTypGr (Transaction Type Group) Enter a technical name of your choice, for example, CNAB200.

Descript. Transaction Type Group Enter a description of your choice, for example, Credits - CNAB Bank Transfer.




4.8.5 Define Main Rule Sets

Use

To enable the system to react to errors when it processes payments, you define rules. In the rules, you can determine how the system reacts when there is an error with an item. For example, you can set up the system to post the item.

Prerequisites

You have defined the required transaction type groups (see Define Transaction Type Groups for Posting Rules [page 314]).

Procedure


2. Define rules for the CNAB200 transaction type group, creating one rule for each error type, from C01 through C12, using the same values for each, as listed in the table below:

Table 403:

Field Entry

ErrorType Ty. (Type of Payment Item) C01 (from C01 through C12)


Recipients CNAB200 (see Define Transaction Type Groups for Posting Rules [page 314])




4.8.6 Create Offsetting Transaction Types for Brazilian Bank Transfers

Use

To differentiate standard transaction types from the credit transaction types that are required for payment advice in Brazil, you create new transaction types for use in Brazil. The settings that you make in this step determine the


posting text that the system sends to the outgoing payment dispatcher for payment advices that use the Brazilian Bank Transfer category.

NoteTo enable the system to send the correct posting text to the outgoing payment dispatcher, there must be a 1:1 relationship between the offsetting transaction types, payment advice types, and payment directive types that you use for debit interbank transfers in Brazil.

Prerequisites

You have defined the required payment directive types (see Define Payment Directive Types [page 312]) and payment advice types (see Define Payment Advice Types [page 313]).

Procedure


Items .2. For each payment advice type that you use (see Define Payment Advice Types [page 313]), you have to create

a corresponding offsetting transaction type. For each offsetting transaction type, enter the data described in the tables below.

Note○ The sequence of the fields in the tables below is correct in the detail view of the transaction types. We

therefore recommend that you make all settings in the detail view.○ Each subheading in this section represents a group box in the detail view of the transaction types.



Table 404:

Field Entry

Trans. Type Enter a technical name of your choice, for example, BRPA01.



Field Entry

Short Description Enter a short description of your choice, for example, Cred. Checking Acct.

NoteFor your short description, you can enter the same names that you use for the payment advice types (see Define Payment Advice Types [page 313]).

Long Name Enter a long name of your choice, for example, Credit to Checking Account.

NoteFor your long name, you can enter the same names that you use for the payment advice types (see Define Payment Advice Types [page 313]).

Item Type Recipient


Relevant Checks

Table 405:

Field Entry


Limit Check Deselected

ValDte/SFP Selected

Facilities Deselected


Prenote Deselected

Account Names Name of Account Holder

Access Limit None



Overdraft Protection Deselected


Field Entry



Own Check Selected

Control

Table 406:

Field Entry

CreditMemo Selected





Cus. Initiation Deselected








PaytDistr. Payment Item Transferred






Use



Table 407:

Field Entry


Online PO Selected

Online FO Selected


Assignment

Table 408:

Field Entry


TTGroup Pst Ctrl Rules CNAB200 (see Define Transaction Type Groups for Posting Rules [page 314])



4.8.7 Assign Offsetting Transaction Types

Use

You determine the relationship between transaction types, for example, a DOC C debit transaction, and the associated offsetting transaction types.

Prerequisites

You have defined the required debit transaction types for bank-bank transfers (see Create Debit Transaction Types [page 298] in the Configuration for Payment Processing [page 293] chapter), and offsetting transaction types for payment advice (see Create Offsetting Transaction Types for Brazilian Bank Transfers [page 315]).


Procedure

1. In Customizing for Financial Services, choose Account Management Order Management Payment OrderAssign Offsetting Transaction Types to Transaction Types Assign Offsetting Transaction Types (PO

Dialog) .2. Select the transaction type that you created for DOC C debit and choose Assign Offsetting Transaction Type.3. Enter the offsetting transaction types that you created for DOC C debit.4. Save your entries.5. Repeat steps 2-4 for the transaction types that you created for DOC D debit, TED C debit, and TED D debit.

4.8.8 Assign Counterparty External Representation

Use

The settings that you make in this step define the display format of the counterparty for the Brazilian Bank Transfer payment advice category.

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Payment Advice Counterparty Assign Counterparty External Representation .


NoteThe settings described in this step are a suggestion for the display format. You can adapt the settings to use any of the counterparty fields that you want to meet your specific requirements.

Table 409:

PA Catg. Language Priority Field Name Separator

800000 Enter the language code of your choice, for example, EN.

1 BANKLAND Leave it blank or enter a separator of your choice, for example, /.


2 BANKKEY Leave it blank or enter a separator of your choice, for example, /.



PA Catg. Language Priority Field Name Separator


3 ACCT_NUM_EXT Leave it blank or enter a separator of your choice, for example, /.


4 CN_HOLDER_NAME Leave it blank or enter a separator of your choice, for example, /.


4.8.9 Assign Payment Directive Types with Transaction Types and Medium/Payment Methods

Use

To enable the system to use the Brazilian payment system and process debit interbank transfers based on payment advice, you assign your payment directive types to the offsetting transaction types that you create for payment advice.

Prerequisites

You have defined the required payment directive types (see Define Payment Directive Types [page 312]), transaction types (see Create Offsetting Transaction Types for Brazilian Bank Transfers [page 315]), and payment method (see Define Payment Media and Methods [page 307] in the Configuration for Payment Processing [page 293] chapter).

Procedure

1. In Customizing for Financial Services, choose Account Management Order Management Payment OrderCorrespondence Assign a Payment Directive Type with Transaction Types and Medium/PaytMeth .


2. For each payment directive type that you use for DOC C, enter the following data:

Table 410:

PayDir Type TT OrdPart TT Recip. Med. PM

Enter the payment directive type.

Enter the transaction type that you created for DOC C debit bank-bank transfers.

Enter the offsetting transaction type that corresponds to the payment directive type.

Enter the medium of your choice, for example, 1

Enter the payment method of your choice, for example, 81 (see Define Payment Media and Methods [page 307] in the Configuration for Payment Processing [page 293] chapter).

3. Save your entries.4. Repeat steps 2-3 for DOC D, TED C, and TED D.


To meet requirements for payment advice in Brazil, the system uses a subgroup of the localization parameters for payment processing (the PAYMENT_ADVICE subgroup). For more information, see Configure Localization Parameters [page 310] in the Configuration for Payment Processing chapter.

4.9 Configuration for Compound Interest Calculation on Loans

4.9.1 Introduction

This section describes how to customize the system to calculate compound interest on loans accounts in Brazil.

NoteFor more information about the business processes and functions related to inflation adjustment for Brazil, see SAP Help Portal at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP Brazil > Account Management (FS-AM) Loans Business Transactions for Loans Compound Interest Calculation .

Before you make the settings described here, you must customize the reference rates for each variable interest rate that you use, for example, CDI.




4.9.2 Define Condition Type for Variable Interest

Use

To use compound interest, you must create at least two conditions in your system, one for fixed interest and another for variable interest. In this step, you define the condition type that the system uses to retrieve the compound interest amount in cash flow.

The standard system contains the condition type 501100 (PrCond: (PP) Nom.Int.Rate), which you can use for fixed interest. Follow the steps described in this section to create the condition type for variable interest.

Procedure


2. Choose the standard condition type for fixed interest, 501100 (PrCond: (PP) Nom.Int.Rate) and then Copy As (F6).

3. Enter a number and name for your new condition type for variable interest, for example, 901101 (PrCond: (PP) Var.Int.Rate).

4.9.3 Assign Financial Condition Types to Condition Group Type

Use

To process your financial condition types for fixed and variable interest on loans, assign them to the condition group type that you want to use for this purpose.

Prerequisites

You have created your condition type for variable interest as described in Define Condition Type for Variable Interest [page 323].

Procedure



2. Select the condition group type 210 (Loan Settlement) or any group type that you use for loans.3. Open the Condition Type folder to the left.4. Choose New Entries.5. Add the condition type that you have created in the previous step.

NoteIf you use another condition group type, you must also assign the condition type that you use for fixed interest.

NoteIf you use a condition type for fixed interest other than the standard 501100 (PrCond: (PP) Nom.Int.Rate), you must also assign it to the condition group type that you use in this step.

4.9.4 Create Financial Conditions for Settlement

Use

Create a new condition group with condition types 501100 (PrCond: (PP) Nom.Int.Rate) and 901101 (PrCond: (PP) Var.Int.Rate) to set the product attributes for this solution.

Prerequisites

● You have created the condition type for variable interest as described in Define Condition Type for Variable Interest [page 323].

● You have assigned condition types to the condition group type for fixed and variable interest as described in Assign Financial Condition Types to Condition Group Type [page 323].

Procedure

1. In the SAP Easy Access menu, choose Financial Services Account Management Current SettingsFinancial Conditions Condition Group Edit Conditions Group .

2. Create a new condition group with the following data:

Table 411:

Field Entry

Condition Group Type 210 (Loan Settlement) or your custom condition group type.



Field Entry

Condition Group Enter the unique identifier of your choice, for example, 900212.

Condition Group Description Enter a description of your choice, for example Fin. Cond. Group for PPP Loan.

3. Add condition type 501100 (PrCond: (PP) Nom.Int.Rate) (or any custom condition type that you have created for fixed interest) to this newly created condition group.


Table 412:

Field Entry

Valid From Enter the validity period for your condition, for example, 01.01.2000

Currency BRL

Percentage Rate Enter the percentage rate that you want to apply for fixed interest calculation, for example, 3.6.

Int. Calc. Method Enter the calculation method for fixed interest, for example, 2 (ACT/360)

Interest Calc. Enter the type of interest calculation that you want to apply, for example, X (Exponential)

Paymnt Currency BRL

5. On the Time Periods tab page in the Calculation section, enter the following data:

Table 413:

Field Entry


Repet. Period Enter a number representing the period over which interest must be calculated, for example, 21.

Repet. Unit Enter the unit of time for the period, for example, Days.

RefDatStartdate 1 (At Contract Start)

Work. Day Shift 0 (No Shift)



6. Still on the Time Periods tab page, in the Due Date section, enter the following data:

Table 414:

Field Entry

Frequency Cat. R (Relative)

Ref. Date Catg 220010 (Calculation)


7. Add the condition that you have created for variable interest in Define Condition Type for Variable Interest [page 323] to this newly created condition group.


Table 415:

Field Entry

Valid From Enter the validity period for your condition, for example, 01.01.2000.

Currency BRL

Ref. Int. Rate Enter the reference interest rate that you want to use, for example, CDI.

Int. Calc. Method Enter the calculation method for variable interest, for example, A (ActW/252).

Interest Calc. Enter the type of interest calculation that you want to apply, for example, X (Exponential).

Int. Calendar BR

Paymnt Currency BRL


Table 416:

Field Entry


Repet. Period Enter a number representing the period over which interest must be calculated, for example, 21.


RefDatStartdate 1 (At Contract Start)



Field Entry

Work Day Shift 0 (No Shift)



Table 417:

Field Entry





11. n the Adjustment tab page in the Adjustment Date section, enter the following data:

Table 418:

Field Entry


Repet. Period 1

Repet. Unit D (Days)

RefDatStartdate 2 (At Fixing Start)

Shift Number 1

Shift Unit 1 Day(s)



12. On the Adjustment tab page in the Fixing Date section, enter the following data:

Table 419:

Field Entry


Ref. Date Catg 220030 (Adjustment)


Field Entry




4.9.5 Define Inpayment Agreement

Use

Create a new condition group with condition types 511100 (Rec.: (PP) Nom. Int. Rate) and 511010 (Rec.:(PP)LoanRepaytConCap) to set the product attributes for this solution.

Prerequisites

You have assigned condition types to the condition group type for fixed and variable interest as described in Assign Financial Condition Types to Condition Group Type [page 323].

Procedure

1. On the SAP Easy Access screen, choose Financial Services Account Management Current SettingsFinancial Conditions Condition Group Edit Conditions Group .


Table 420:

Field Entry

Condition Group Type 240 (Payment: Loans) or your custom condition group type.

Condition Group Enter the ID of your choice, for example, 4040.

Condition Group Description Enter a description of your choice, for example, Compound Interest Paymt.

3. Add condition type 511100 (Rec.: (PP) Nom. Int. Rate) (or any custom condition type that you have created for fixed interest) to this newly created condition group.




Table 421:

Field Entry


Currency Amt BRL

Determ.Cat. 0040 (Installment Calculation for Interest Adjustment - Annuity Repayment)


Table 422:

Field Entry


Repet. Period Enter a number representing the period over which interest must be repaid, for example, 21.





6. Still on the Time Periods tab page, in the Due Date section, enter the following data

Table 423:

Field Entry




7. Add condition type 511010 (Rec.:(PP)LoanRepaytConCap) (or any custom condition type that you have created for loan repayment) to this newly created condition group.



Table 424:

Field Entry


Currency BRL

Clearing Amt Settlement on Due Date

Determ.Cat. 0020 (Installment Repayment)


Table 425:

Field Entry






Calendar for Working Day Shif BR


Table 426:

Field Entry







11. On the Settlement tab page in the Clearing section, enter the following data:

Table 427:

Field Entry








4.9.6 Create Loan Account Product and Configure Attributes

Use

To enable the calculation of compound interest in line with the requirements for Brazil, create your loan account product using the template provided and configure the product attributes listed in this section.

Prerequisites

You have created the condition groups for variable and fixed interest as described in Create Financial Conditions for Settlement [page 324].

Procedure

1. Create your own loans account product in Customizing for Financial Services under Account ManagementProduct Management Product Definition Account Products Create Account Product .



Table 428:

Field Entry

New Product Enter a technical name for your product, for example, CI_LOAN_01.

Template Prod. _LO_MORG

Version Latest version


choose Enter.5. In the product attributes structure, configure the product attributes in the table below:

Table 429:

Product Attribute Path in Product Attribute Tree Entry

Currency Used Attributes Basic Data

Administration Currency

BRL



1 (Settlement)



001 (Standard Settlement)



210 (Loan Settlement)



Enter the custom condition group that you created in Create Financial Conditions for Settlement [page 324].

Proposed Value Used Attributes Country-Specific

Attributes Brazil Compound

Interest Condition Types for

Compound Interest

Enter the condition type that you use for fixed interest, for example, 501100 (PrCond: (PP) Nom.Int.Rate).

Enter the condition type that you use for variable interest, for example, 901101 (PrCond: (PP) Var.Int.Rate).




4.10 Configuration for Inflation Adjustment of Loan Installments

4.10.1 Introduction

This section describes how to customize the system to calculate inflation adjustments of loan installments in line with the requirements in Brazil.

Before you make the settings described here, you must customize the reference rates for each variable interest rate that you use, for example, IPCA and TJLP.

NoteFor more information about the business processes and functions related to inflation adjustment for Brazil, see SAP Help Portal at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP Brazil Account Management (FS-AM) Loans Business Transactions for Loans Calculation of Inflation Adjustments .

4.10.2 Define Condition Types for Inflation Adjustment

Use

To enable inflation adjustment, you must create at least two conditions in your system, one for fixed interest and another for variable interest. In this step, you define the condition type that the system uses to retrieve the compound interest amount in cash flow.

Procedure


2. Choose the standard condition type for debit interest, Debit Interest (105100) and then choose Copy As (F6).3. Enter the following data to create a new condition type for inflation:

NoteFor the fields that are not listed in the table below, keep the current values.



Table 430:

Field Entry

Condit. Type Enter a number for your condition type, for example, 105107.

Cond. Type Name Enter a name for your condition type, for example, Infl. Adj. for Deb. Int.

Update Category Interest: To be Requested (1010)

Calc. Basis Interest Calculation Capital - Loan (30000014)

4. Choose Enter.5. Choose Copy All.6. With the new condition type selected, under Dialog Structure, choose Date Category.7. Enter the following data:

Table 431:

Field Entry

Date Cat 220010

Date Cat 220030

Date Cat 220040

Date Cat 225010

8. Choose the Credit Interest (105110) standard condition type and then choose Copy As (F6).9. Enter the following data to create a new condition type for deflation:

NoteFor the fields that are not listed in the table above, keep the current values.

Table 432:

Field Entry

Condit. Type Enter a number for your condition type, for example, 105111.

Cond. Type Name Enter a name for your condition type, for example, Infl. Adj. for Cred. Int.

Update Category Interest: To be Requested (1010)

Calc. Basis Interest Calculation Capital - Loan (30000014)



10. Choose Enter.11. Choose Copy All.12. With the new condition type selected, under Dialog Structure, choose Date Category.13. Enter the following data:

Table 433:

Field Entry

Date Cat 220010

Date Cat 220030

Date Cat 220040

Date Cat 225010


4.10.3 Assign Financial Condition Types to Condition Group Type

Use

To process your financial condition types for inflation adjustment of credit and debit interest on loans, you assign them to the condition group type that represents a loan settlement.

Prerequisites

You have created your condition types for inflation adjustment of credit and debit interest as described in Define Condition Types for Inflation Adjustment [page 333].

Procedure


2. Select the condition group type 210 (Loan Settlement) or any group type that you use for loans.3. Choose Condition Type and create new entries to add the condition types that you have created in Define

Condition Types for Inflation Adjustment [page 333].


4.10.4 Create Financial Conditions for Settlement

Use

Create a new condition group with condition types PrCond: (PP) Nom.Int.Rate (501100), Interest Adj. Deb. Int. (105107) and Interest Adj. Cred. Int. (105111).

By following the settings below, you create a condition group for a loan account with two interest rates, one comprising a fixed annual interest rate of 5% and another consisting of a variable index, namely IGPM. Adjust the settings according to your needs.

Prerequisites

● You have created the condition types for inflation adjustment of credit and debit interest as described in Define Condition Types for Inflation Adjustment [page 333].

● You have assigned the condition types to the condition group type for loan settlement as described in Assign Financial Condition Types to Condition Group Type [page 335].

Procedure

1. In the SAP Easy Access menu, choose Financial Services Account Management Current SettingsFinancial Conditions Condition Group Edit Condition Group .


Table 434:

Field Entry

Condition Group Type 210 Loan Settlement condition type or your custom condition group type.

Condition Group Enter the ID of your choice, for example, 9402.

Condition Group Description Enter a description of your choice, for example Inflation Adjustment IGPM.

3. Add condition type PrCond: (PP) Nom.Int.Rate (501100) to this condition group.4. On the Calculation tab page, enter the following data:

Table 435:

Field Entry

Valid From 01.01.2000



Field Entry

Currency BRL

Percentage Rate 5

Int. Calc. Method 360/360

Interest Calc. Exponential

Paymnt Currency BRL

5. On the Time Periods tab page in the Calculation group box, enter the following data:

Table 436:

Field Entry


Repet. Period 3

Repet. Unit Months

Key Date 11



6. On the Time Periods tab page, in the Due Date group box, enter the following data:

Table 437:

Field Entry


Ref. Date Catg Calculation (220010)


7. Add the condition type Interest Adj. Deb. Int. (105107) to this condition group.8. On the Calculation tab page, enter the following data:

Table 438:

Field Entry


Currency BRL


Field Entry

Ref. Int. Rate Enter your reference interest rate, for example, IGPM.



Paymnt Currency BRL


Table 439:

Field Entry


Repet. Period 3

Repet. Unit Months

Key Date 11





Table 440:

Field Entry


Ref. Date Catg Calculation(220010)



11. On the Adjustment tab page in the Adjustment Date group box, enter the following data:

Table 441:

Field Entry


Repet. Period 1



Field Entry

Repet. Unit Months




12. On the Adjustment tab page, in the Fixing Date group box, enter the following data:

Table 442:

Field Entry


Repet. Period 1

Repet. Unit Months


Work Day Shift No Shift


13. Add condition type Interest Adj. Cred. Int. (105111) to this condition group.14. On the Calculation tab page, enter the following data:

Table 443:

Field Entry


Currency BRL

Ref. Int. Rate Enter your reference interest rate, for example, IGPM.



Paymnt Currency BRL

15. Choose the Formula button and then select the LB01 (V1 * V2) formula.


16. In the Interest Formula group, enter the following data:

Table 444:

VarN Const. Value Var. Value

V1 1,0000000000-

V2 0,0000000000 Enter your reference interest rate, for example, IGPM.


Table 445:

Field Entry


Repet. Period 3

Repet. Unit Months

Key Date 11





Table 446:

Field Entry





19. On the Adjustment tab page in the Adjustment Date group box, enter the following data:

Table 447:

Field Entry


Repet. Period 1



Field Entry

Repet. Unit Months




20.On the Adjustment tab page, in the Fixing Date group box, enter the following data:

Table 448:

Field Entry


Repet. Period 1

Repet. Unit Months





4.10.5 Define Inpayment Agreement

Use

Create a new condition group with the condition types Rec.: (PP) Nom. Int. Rate (511100) and Rec.:(PP)LoanRepaytConCap (511010) to set the product attributes for this solution.

Prerequisites

● You have created the condition types for inflation adjustment of credit and debit interest as described in Define Condition Types for Inflation Adjustment [page 333].

● You have assigned the condition types to the condition group type for loan settlement as described in Assign Financial Condition Types to Condition Group Type [page 335].


Procedure

1. In the SAP Easy Access menu, choose Financial Services Account Management Current SettingsFinancial Conditions Condition Group Edit Condition Group .


Table 449:

Field Entry

Condition Group Type 240 Payment: Loans or your custom condition group type.

Condition Group Enter the ID for the condition group that you created in the previous section, for example, 9402.

Condition Group Description Enter a description of your choice, for example, Inflation Adjustment Paymnt.

3. Add condition type Rec.: (PP) Nom. Int. Rate (511100) to this condition group.4. On the Calculation tab page, enter the following data:

Table 450:

Field Entry


Currency Amt BRL

Determ.Cat. Installment Calculation for Interest Adjustment - Annuity Repayment (0040)


Table 451:

Field Entry


Repet. Period 3

Repet. Unit Months







Table 452:

Field Entry




7. Add condition type Rec.:(PP)LoanRepaytConCap (511010) to this condition group.8. On the Calculation tab page, enter the following data:

Table 453:

Field Entry


Currency BRL

Clearing Amt Settlement on Due Date

Determ.Cat. 0020 ( /Installment Repayment)

Receivable Enter your receivable amount, for example, 2,500.00.


Table 454:

Field Entry


Repet. Period 3

Repet. Unit Months





Table 455:

Field Entry



Field Entry


Work Day No Shift

Shift Calendar for Working Day Shift BR


4.10.6 Create Loan Account Product and Configure Attributes

Use

To enable the calculation of inflation adjustment in line with the requirements for Brazil, create your loan account product using the template provided and configure the product attributes listed in this section.

Prerequisites

You have created the condition group for inflation adjustment as described in Create Financial Conditions for Settlement [page 336] and Define Inpayment Agreement [page 341].

Procedure

1. Create your own loans account product in Customizing for Financial Services under Account ManagementProduct Management Product Definition Account Products Create Account Product .


Table 456:

Field Entry

New Product Enter a technical name for your product, for example, IA_IGPM_02.

Template _LO_MORG

Prod. Version Latest version

3. Choose Enter.



4. In the product attribute structure, configure the product attributes described in the table below:

Table 457:

Product Attribute Path in Product Attribute Tree Entry

Currency Used Attributes Basic Data

Administration Currency

BRL



Settlement



Standard Settlement (001)



210 (Loan Settlement)



Enter the custom condition group that you created in Create Financial Conditions for Settlement [page 336].

Accumulation Type for Inflation Adjustment


Attributes Brazil Inflation

Adjustment

Negative Accumulation Accepted

Condition Type for Inflation Adjustment



Adjustment

501100

Condition Type for Inflation Used Attributes Country-Specific


Adjustment

Enter the condition type that you created for inflation, for example, Infl. Adj. for Deb. Int. (105107).

Condition Type for Deflation Used Attributes Country-Specific


Adjustment

Enter the condition type that you created for deflation, for example, Infl. Adj. for Cred. Int. (105111).



4.11 Configuration for Interest on Arrears

4.11.1 Introduction

This section describes how to configure the system to process interest on arrears (IoA) in line with requirements in Brazil.

NoteFor more information about the business processes and functions related to IoA processing, see SAP Library at http://help.sap.com/bankingservices80loc Localizations for Banking Services from SAP BrazilAccount Management (FS-AM) Loans Business Transactions for Loans Interest on Arrears (Brazil) .

4.11.2 Settings Delivered As Standard for IoA

Calculation Bases

Calculation Bases for Interest on Arrears Calculation

For the calculation of interest on arrears (IoA), the standard delivery for Brazil contains the following calculation basis templates:

● LIOA_RC: Interest on Arrears Based on Periodic Calculation● LIOA_PC: Interest on Arrears Based on Calculation on Payment Date● LIOA_RC_AA: Interest on Arrears Based on Periodic Calculation + IOA on IOA● LIOA_PC_AA: Interest on Arrears Based on Calculation on Payment Date + IOA on IOA


Calculation Bases for Late Payment Penalty Calculation

For the calculation of late payment penalty, the standard delivery for Brazil contains the following calculation basis template:

● LIOA_PNLTY: Late Payment Penalty

If you want to create your own calculation base, you can use the template above for reference.

Interest on Arrears Types

IoA Types for Interest on Arrears Calculation

For the calculation of IoA, the standard delivery for Brazil contains the following IoA types:

● APCI: Interest on Arrears Paym Date




● ARCI: Interest on Arrears Regular

IoA Types for Late Payment Penalty Calculation

For the calculation of late payment penalty, the standard delivery for Brazil contains the following IoA types:

● PPCI: Late Payment Penalty Paym Date

4.11.3 Configuration for Calculation Bases


For the calculation of interest on arrears (IoA), you can use the calculation basis templates delivered for Brazil (see Settings Delivered As Standard for IoA [page 346]). However, if you want to create your own calculation bases, you must make the settings described below.

4.11.3.2 Create Interest on Arrears Type

Use

You define interest on arrears (IoA) types and associate them with a calculation class as described below. Note that the system includes the following two template IoA types:

● APCI: Interest on Arrears Paym Date● ARCI: Interest on Arrears Regular

You can use these templates to create your own IoA types.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Interest on Arrears Define IoA Types .


Table 458:

Field Entry

IoA Type Enter a name for your interest on arrears type, for example, Z_IOA.

IoA Type Description Enter a description for your IoA type.


Field Entry

Interest on Arrears Calculation Class Enter one of the standard calculation classes below or your own custom calculation class:

○ /FSGLO/CL_IOA_CALCULATORCalculator for Interest on Arrears Based on Periodic Calculation

○ /FSGLO/CL_IOA_PAY_CALCULATORCalculator for Interest on Arrears Based on Payment Date


4.11.3.3 Assign Turnover Classes to IoA Type

1. In Customizing for Financial Services, choose General Localization Settings Interest on Arrears Assign Turnover Classes to IoA Type .


Table 459:

Field Entry

IoA Type Enter the ID of the IoA type that you created in the Define IoA Types Customizing activity (for example, Z_IOA).

Turn.Class Enter any turnover class that corresponds to the installment items whose amounts are used as the basis for IoA calculation, for example, interest (L013), deferral (L223) and capital (L023).

NoteDo not use the turnover class L053 (Insurance Int: Owed) for exponential calculation method. Instead, use the exponential calculation basis formula on the condition type, such as LIOA_PC_AA or LIOA_RC_AA).


4.11.3.4 Create Calculation Basis for IoA Type

1. In Customizing for Financial Services, choose Foundation Cash flow Calculator Define Customer Calculation Bases and Display SAP Calculation Bases .




Table 460:

Field Entry

Calculation Basis Enter a name for your calculation basis (for example, Z_IOA).

Cal. Basis Description Enter any description as required.

3. On the Formula Edit screen, choose the IOA (Dispatch calculation basis for IoA) function.Your formula appears as IOA ( , ).

4. Place your cursor in the first field of the formula and choose the Constant pushbutton.5. Enter the IoA type that you created in the Define IoA Types Customizing activity (see Create Interest on

Arrears Type [page 347].6. Place your cursor in the second field of the formula and choose the String pushbutton.7. If you want to include posted IoA items in the calculation basis (that is, you want to charge IoA on IoA), enter X

in this field. Otherwise, leave this field blank.For example, if you used the IoA type Z_IOA, your formula can appear either as IOA( ‘Z_IOA’, ‘X’) or IOA(‘Z_IOA’, ‘’).


4.11.4 Create Condition Types for Interest on Arrears

Use

You define two condition types for interest on arrears (IoA) processing:

● Condition type for IoA settlement● Condition type for IoA repayment


Note● You must not maintain any date category for the pricing condition types for IoA. The IoA item is related to a

previous period, the period that is overdue.● You must maintain a date category for the repayment condition types for IoA.

Procedure

Create Condition Type for IoA Settlement




Table 461:

Field Entry


Condition Type Name Enter a name for your condition type, for example, Interest on arrears for Brazil.




Calc. Category 1010

Update Category GIA0


○ LIOA_RC○ LIOA_PC○ LIOA_RC_AA○ LIOA_PC_AA












Number Calendar 3



Field Entry


















Table 462:

Field Entry

Amt Categ. 105020





Table 463:

Field Entry

Posting Type W1

PstgType NgAdj. W2

PstingType PAdj. W1





Create Condition Type for IoA Repayment



Table 464:

Field Entry


Condition Type Name Enter a name for your condition type, for example, IOA Repayment for Brazil.




Calc. Category 1555

Update Category GIA1


○ LIOA_RC○ LIOA_PC○ LIOA_RC_AA○ LIOA_PC_AA



Field Entry














Exch.rate type M













Field Entry





Table 465:

Field Entry

Amt Categ. 160000




Table 466:

Field Entry



Table 467:

Field Entry

Posting Type W1

PstgType NgAdj. W2

PstingType PAdj. W1







4.11.5 Assign Condition Types to Condition Group Types

Use

To process financial condition types, you assign all condition types that are relevant for a given financial product to a condition group type. To execute the settlement and repayment conditions for loans, the standard system contains the condition groups 210 and 240, respectively. To meet your customer-specific requirements, you can assign the condition types specific to Brazil to these standard condition groups. Alternatively, you can use your own custom condition groups for loans settlement and loans repayment.

Prerequisites

You have created condition types for interest on arrears (IoA) settlement and IoA repayment. For more information, see Create Condition Types for Interest on Arrears [page 349].

Procedure


2. Select the condition group type 210 - Loan Settlement (or your custom condition group), double-click Condition Type in the Dialog Structure, and add the condition types that you created for IoA settlement.



4.11.6 Configuration for Late Payment Penalty


In Brazil, in addition to interest on arrears (IoA), banks charge an additional fee, called late payment penalty, for loan installments that are overdue.

This section describes how to configure the system to process late payment penalty in line with requirements in Brazil.


4.11.6.2 Create Condition Types for Late Payment Penalty

Use

You define two condition types for late payment penalty processing:

● Condition type for late payment penalty settlement● Condition type for late payment penalty repayment


NoteYou must not maintain any date category for the condition types of any interest on arrears (IoA) type. IoA and late payment penalty do not have a fixed calculation period or an expected payment date; interest on arrears is only charged at the moment of repayment. The IoA item is related to a previous period, the period that is overdue.

Procedure

Create Condition Type for Late Payment Penalty Settlement



Table 468:

Field Entry

Condit. Type Enter a code for your condition type.

Condition Type Name Enter a name for your condition type, for example, Late Payment Penalty Brazil.




Calc. Category 1010


Calc. Basis LIOA_PNLTY



Field Entry


PstingType PAdj 10

PstgType NgAdj. 13









Number Calendar 3















Field Entry





Table 469:

Field Entry

Amt Categ. 105020




Table 470:

Field Entry

Posting Type W1

PstgType NgAdj. W2

PstingType PAdj. W1





Create Condition Type for Late Payment Penalty Repayment



Table 471:

Field Entry




Field Entry

Condition Type Name Enter a name for your condition type, for example, Late Payment Penalty Repayment.




Calc. Category 1555
















Exch.rate type M





Field Entry













Table 472:

Field Entry

Amt Categ. 160000


Capitaliz. Selected




Table 473:

Field Entry


7. Choose Enter.




Table 474:

Field Entry

Posting Type W1

PstgType NgAdj. W2

PstingType PAdj. W1





4.11.6.3 Assign Condition Types to Condition Group Types

Use

To process financial condition types, you assign all condition types that are relevant for a given financial product to a condition group type. To execute the settlement and repayment conditions for loans, the standard system contains the condition groups 210 and 240, respectively. To meet your customer-specific requirements, you can assign the condition types specific to Brazil to these standard condition groups. Alternatively, you can use your own custom condition groups for loans settlement and loans repayment.

Prerequisites

You have created condition types for late payment penalty settlement and late payment penalty repayment. For more information, see Create Condition Types for Late Payment Penalty [page 356].

Procedure


2. Select the condition group type 210 - Loan Settlement (or your custom condition group), double-click Condition Type in the Dialog Structure, and add the condition types that you created for late payment penalty settlement.


3. Select the condition group type 240 - Payment: Loans (or your custom condition group), double-click Condition Type in the Dialog Structure, and add the condition types that you created for late payment penalty repayment.


4.11.6.4 Create Condition Group and Condition for Late Payment Penalty

Use

To process late payment penalty settlement, you define a condition group and the corresponding condition.

NoteDo not assign the condition type for late payment penalty repayment to your condition group for inpayment agreement. If you do that, your condition for late payment penalty repayment will be valid for the whole loan period. The financial condition for late payment penalty repayment has to be created only on the day of the repayment, and it is valid only for that specific day. This financial condition is automatically created when a repayment occurs in an overdue loan account.

Prerequisites

● You have created condition types for late payment penalty settlement. For more information, see Create Condition Types for Late Payment Penalty [page 356]

● You have assigned your condition types for late payment penalty settlement to a condition group type. For more information, see Assign Condition Types to Condition Group Types [page 361].

Procedure

Create Condition Group for Late Payment Penalty Settlement


2. On the Condition Group Edit screen, choose the Create Condition Group pushbutton in the left frame.




Table 475:

Field Entry

Condition Group Type Select the condition group type that you use for late payment penalty settlement.



4. Choose Enter.5. Create the condition as described below.

Create Condition for IoA Settlement

1. On the Condition Group Edit screen (see above), choose the Condition (Create Condition) pushbutton and select the condition type you created for late payment penalty settlement.


Table 476:

Field Entry

Currency BRL

Valid From Enter the start date of the validity period.


Table 477:

Field Entry



Percentage Rate Debit interest rate


4.11.7 Configure Loan Product Attributes for IoA

Use

To enable the system to process interest on arrears (IoA) in line with the requirements for Brazil, configure the product attributes for your loan account product as described in this section.


Prerequisites

● You have created a loan account product. For more information, see .● You have defined a condition group for interest on arrears.● You have defined turnover classes. For more information, see .● You have created clearing categories for IoA in your Open Item Management System.

Procedure

1. Change your loan account product in Customizing for Financial Services, under Account ManagementProduct Management Product Definition Account Products Change Account Product .

2. In the product attributes structure, configure the product attributes as described below:

○ In Used Attributes Financial Conditions Condition Groups Condition Group , enter the condition groups you created for IoA.

○ Activate the product attribute Generate Number of Installments under Used Attributes Country-Specific Attributes General Localization Interest on Arrears .

○ Activate the product attribute Calculate Interest on Arrears under Used Attributes Country-Specific Attributes General Localization Interest on Arrears .

○ In Used Attributes General Settlement Attributes Relevant to Clearing Logical Turnover Class , assign the following logical turnover classes to real turnover classes:

Table 478:


GIA0 Enter the real turnover class created for IoA settlement.

GIA1 Enter the real turnover class created for IoA billing.

GIA2 Enter the real turnover class created for IoA repayment.

GB10 Enter the real turnover class created for IoA settlement.

GB11 Enter the real turnover class created for IoA billing

GB12 Enter the real turnover class created for IoA repayment.




4.11.8 Configuration for Disbursement with IoA for Brazil


This section describes the settings to configure the system to process interest on arrears on disbursement, in line with the requirements for Brazil.

4.11.8.2 Assign Transaction Types for OIM Payment Distribution Types

Prerequisites

To configure the relation between payment distribution usage category, payment distribution type, and open item management transaction type, you make the settings described in this section.

Procedure

1. In Customizing for Financial Services, choose Account Management Product Management Payment Distribution Assign Trans. Types for OIM System to Paymnt. Distr. Types .


Table 479:


008 GB11 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003

008 GB21 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003

008 GIA1 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003

008 GTX1 Enter the same PD Type Desc. configured for this Trsn Type on Usage Cat. 003



4.12 Configuration for Revenue Recognition for Performing Loans

4.12.1 Introduction

This section describes how to customize the system to calculate revenue recognition for performing loans in line with Brazil-specific requirements.

4.12.2 Maintain Nonbalance-Balance-Changing Transaction Types

Use

To support the posting of revenue amounts to be recognized, two non-balance changing transaction types are required, one for credit postings and another for debit postings.

NoteThe posting of revenue recognition amounts is not supported by the localization.

Procedure

1. In Customizing for Financial Services, choose Account Management > Item Management > Basic Functions > Maintain Non-Balance-Changing Transaction Types.


Table 480:

Non-Bal.ChngTransTyp Desc.Trans. Typ CreditMemo

Enter a number of your choice, for example, 999999.

Enter a description of your choice, for example, Revenues to be Recognized - Credit.

Selected

Enter a number of your choice, for example, 999998.

Enter a description of your choice, for example, Revenues to be Recognized - Debit.

Deselected




4.12.3 Assign Nonbalance-Changing Posting Categories to Nonbalance-Changing Transaction Types

Prerequisites

You have created your nonbalance-changing transaction types as described in Maintain Nonbalance-Balance-Changing Transaction Types [page 366].

Procedure

1. In Customizing for Financial Services, choose Account Management Item Management Basic FunctionsAssign Non-Bal-Changing Posting Categories to Non-Bal-Changing Trans.Types .


Table 481:

Non-Bal. Chg PostCat Non-Bal.ChngTransTyp

64 Enter the nonbalance-changing transaction type that you have created for credit in Maintain Nonbalance-Balance-Changing Transaction Types [page 366].

65 Enter the nonbalance-changing transaction type that you have created for debit in Maintain Nonbalance-Balance-Changing Transaction Types [page 366].



Prerequisites

● You have created your credit interest condition types for revenue recognition.● You have created your nonbalance-changing transaction types as described in Maintain Nonbalance-Balance-

Changing Transaction Types [page 366].

Procedure



2. Choose the localization country Brazil and the parameter group REVENUES_2B_RECOGNIZED.3. Enter the following data:

Table 482:

Parameter Subgroup Parameter Name Entry

CONDITION_TYPE INTEREST_CONDTYPE Enter the interest condition types that you use for revenue recognition.

TRANSACTION_TYPE CREDIT_TTYPE Enter the nonbalance-changing transaction type that you have created for credit in Maintain Nonbalance-Balance-Changing Transaction Types [page 366].

TRANSACTION_TYPE DEBIT_TTYPE Enter the nonbalance-changing transaction type that you have created for debit in Maintain Nonbalance-Balance-Changing Transaction Types [page 366].


4.13 Configuration for Installment Prepayment

4.13.1 Introduction

This section describes how to configure the system to process installment prepayment orders in line with requirements in Brazil.

For information about the generic configuration for installment prepayment orders, see .

4.13.2 Settings Delivered As Standard for Installment Prepayment

Validation Object

The standard delivery for Brazil contains the validation object VO_INP_PRPAYMT_DATE_VAL, which is used in the extensible object (XO) framework (transaction XO80).

This object validates the installment prepayment order value date against the order prepayment date. This object ensures that the prepayment date is equal to or falls later than the value date.




Use

If the revenue recognition feature is activated in your system, in the localization parameter for revenue recognition, you must specify the condition type that is used for posting the interest when an installment prepayment order is executed.

Prerequisites

You have defined the condition types as described in .

Procedure


2. Select the following entry:

Table 483:

Column Value

Localization BR Brazil

Parameter Group REVENUES_2B_RECOGNIZED

Parameter Subgroup CONDITION_TYPE

Parameter Name INTEREST_CONDTYPE

3. In the Dialog Structure, double-click the Customer Parameter Values node.4. Enter the condition type you defined for the interest in the Define Condition Types for Installment Prepayment

section.5. Save your entries.


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