Facility Charges leveling

[philippe_dubuisson2]

Dear all,

Does anybody know how to define 2 commitment fee levels linked to a facility?

Example:

Total credit line = 10,000,000 EUR

Utilzation amount = 8,000,000 EUR

Non utilization amount = 2,000,000 EUR

Non utilization fee from 0 amount to 5,000,000 ==> 0,25 %

Non utilization fee effective from 5,000,000 ==> 0,30 %

So in such a case, the system should calculate 0,25 % of 2,000,000 EUR

But if there is a principal decrease of 4,000,000 EUR later on,

non utilization fee will become 6,000,000 EUR and the system should calculate 0,25 % on the first 5 millions and 0,30 % on the remaining 1 million

For the time being, in our system, with a double 1204 condition type (non utilization fee) on the same dates with 5 millions eff.from amount, SAP calculates 0,25 % on 5 millions and 0,30 % on 6 millions which is not correct.

However, It seems that this kind of fee calculation is commonly used in the bank facility area.

Any idea on how to configure it ?

Thanks

Regards

Philippe.

[lorenz_sperl · Accepted solution]

Hi Philippe,

...as there is no standard-way of splitting the non-utilization-fee amount-dependent, I see 2 alternatives:

a) using the condition time-dependent for the relevant utilization (for the time < 5Mio: 0,25%; for the time >5 Mio: averate-rate based on actual utilization - then, for each change in the utilitation, there has to be a new time-band with a new average-rate)

b) perhaps enhance the rules-tab (affected tables: VTB_RULESETxx)

Regards,

Lorenz

[philippe_dubuisson2]

UP !