Region

Jurisdiction

Regulator

2020-04-30

Plausibility Checks for Million Credit Reports under Section 14 KWG

The Deutsche Bundesbank issued this document in April 2020 to define plausibility checks for million credit reports under Section 14 of the German Banking Act (KWG), effective for the reporting deadline of December 31, 2020. The regulations specify detailed validation rules for four distinct data formats: BA, BAS, BA6/BA7, and BAS6/BAS7, covering field-specific constraints, checksums, and cross-format consistency. Submitters are required to validate all files against the XML schema prior to submission, as only schema-compliant files will be processed by the Bundesbank.

Germany

Deutsche Bundesbank

Deutsche Bundesbank B 422 Frankfurt am Main, April 2020 Telephone: 069 9566-37141 mio-dta@bundesbank.de

Plausibility Checks for Million Credit Reports under Section 14 KWG Valid from reporting deadline 31.12.2020

BA Format (Amount Data Display Borrower)

Positions 010 to 095
If 015 is filled with SA, 050 must be filled and 060 must not be filled
If 015 is filled with EA, 060 must be filled and 050 must not be filled
030: Consistent check digit required, check digit calculation according to Technical Implementation Guidelines for Reporting
If 040 is filled, a consistent check digit is required, check digit calculation according to Technical Implementation Guidelines for Reporting
If 050 is filled, a consistent check digit is required, check digit calculation according to Technical Implementation Guidelines for Reporting
Lender and borrower must not be identical
051: Consistent check digits required, check digit calculation according to Modulo 97-10
051: Allowed values: Digits and uppercase letters
060: Allowed values: Digits, 1 to 5 digits, no leading zeros
If 060 is filled, uniqueness per submission date is required
090: Uniqueness per submission date and borrower is required, except for records with 090 = 8
If 090 is filled with values 2 or 3, 092 must be filled
If 090 is filled with values 2 or 3, 093 must be filled
If 090 is filled with values 2 or 3, 094 must be filled
091: Allowed values: 0, 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 16, 17, 18, 19
091: Uniqueness per submission date and borrower is required, except for records with 090 = 8
If 091 is filled with values 1, 2, 3, 4, 5, 6, 7, 8, 9, or 10, 092 must be filled with value 1 if filled
092: Value must be between 0.00000 and 1.00000
If 092 is filled, uniqueness per submission date and borrower is required
If 092 is filled with value 1, 091 must not be filled with values 0 or 16
093: Value must be between 0.00000 and 12.50000
If 093 is filled, uniqueness per submission date and borrower is required
094: Value must be between 0.00000 and 1.50000
Positions 100 to 160
100 equals 110 + 120 + 130
100 greater than or equal to 101
100 greater than or equal to 104
100 greater than or equal to 105
100 greater than or equal to 106
100 greater than or equal to 107
101 greater than or equal to 102
At least one of positions 110, 120, or 130 must be filled
110 greater than or equal to 111 + 113 + 115 + 116
112 less than or equal to 111
114 less than or equal to 113
120 greater than or equal to 121 + 122 + 123
130 greater than or equal to 131 + 132
140 less than or equal to 100
150 less than or equal to 100
160 less than or equal to 100

BAS Format (Sum Display)

Positions 010 to 074
030: Consistent check digit required, check digit calculation according to Technical Implementation Guidelines for Reporting
Positions 100 to 160
100 equals 110 + 120 + 130
100 greater than or equal to 101
100 greater than or equal to 104
100 greater than or equal to 105
100 greater than or equal to 106
100 greater than or equal to 107
101 greater than or equal to 102
At least one of positions 110, 120, or 130 must be filled
110 greater than or equal to 111 + 113 + 115 + 116
112 less than or equal to 111
114 less than or equal to 113
120 greater than or equal to 121 + 122 + 123
130 greater than or equal to 131 + 132
140 less than or equal to 100
150 less than or equal to 100
160 less than or equal to 100

BA6/BA7 Format (Amount Data Display Borrower Guarantee Relationships)

Positions 010 to 123
If 015 is filled with SA, 050 must be filled and 060 must not be filled
If 015 is filled with EA, 060 must be filled and 050 must not be filled
030: Consistent check digit required, check digit calculation according to Technical Implementation Guidelines for Reporting
If 040 is filled, a consistent check digit is required, check digit calculation according to Technical Implementation Guidelines for Reporting
If 050 is filled, a consistent check digit is required, check digit calculation according to Technical Implementation Guidelines for Reporting
Lender and borrower must not be identical
If 060 is filled, uniqueness per submission date is required
Same value in 060 in all BA6/BA7 formats and in the associated BA format
080: Consistent check digit required, check digit calculation according to Technical Implementation Guidelines for Reporting
Lender and guarantor must not be identical
Borrower and guarantor must not be identical

BAS6/BAS7 Format (Sum Display Borrower Guarantee Relationships)

Positions 010 to 123
030: Consistent check digit required, check digit calculation according to Technical Implementation Guidelines for Reporting

Cross-Format Plausibilities

Plausibility between BA and BAS formats
The respective sum of data fields 100 to 160 and all BA formats is equal to the respective value of data fields 100 to 160 of the BAS format
Plausibility between BA and BA6 formats
If BA6 is present, the associated BA format must also be present
121 BA greater than or equal to sum of all fields 121 of the associated BA6 formats
122 BA greater than or equal to sum of all fields 122 of the associated BA6 formats
123 BA greater than or equal to sum of all fields 123 of the associated BA6 formats
Plausibility between BA and BA7 formats
If BA7 is present, the associated BA format must also be present
Plausibility between BA6/7 and BAS6/7 formats
If BA6/7 is present, BAS6/7 must also be present
The respective sum of data fields 121 to 123 of all BA6/7 formats is equal to the respective value of data fields 121 to 123 of the BAS6/7 format

In addition to the listed plausibilities, the validation rules stored in the XML schema regarding mandatory fields, field lengths, permitted characters, etc., apply. Before submitting a report file to the Deutsche Bundesbank, the submitter must perform validation against the XML schema. Only schema-valid files can be processed by the Deutsche Bundesbank.