Information Sheet: Electronic Correction Notification of the Million Credit Reporting System

Deutsche Bundesbank Frankfurt am Main, June 2019 B 422 Information Sheet Electronic Correction Notification of the Million Credit Reporting System

1. Preliminary Remarks After the creation of the regular notification regarding the total indebtedness of million credit borrowers, it may occur that the Deutsche Bundesbank is still shown amount corrections for individual borrowers of the completed reporting period. In these cases, the Deutsche Bundesbank subsequently corrects the total indebtedness in its databases. If the corrections affect one of the two last notified reporting periods, the involved credit providers are provided with corresponding correction notifications paperlessly as files in the ExtraNet of the Deutsche Bundesbank for download, in accordance with Section 19 Paragraph 7 GroMiKV.

2. File Formats All credit providers whose borrowers are affected by corrections receive a printable PDF file. This file contains only those borrowers and borrower units for which corrections have been made. The presentation of the data corresponds exactly to the print image of the regular notification (print-prepared file). This print-prepared file is always provided in a ZIP archive.

Credit providers who process the million credit reporting system in XML file format with the Deutsche Bundesbank additionally receive corrected feedback files (notification file, display file, group mirror file, and probability of default file) in the usual electronic form for further processing in their IT systems. Thus, there is the possibility to load the corrected indebtedness data into the respective IT systems. The data record structure corresponds largely to the structure of the regular feedback files. Reference is made to the documentation for the corresponding schema files regarding minor deviations. This documentation is published on the homepage of the Deutsche Bundesbank at the address https://www.bundesbank.de/en/service/reporting/banking-supervision/formats-xbrl-and-xml.

The correction files provided represent a complete feedback with all borrowers and borrower units to be notified – regardless of whether they were subject to corrections or not – so that the correction files are suitable to replace the files of the regular feedback. Only a resending of the credit provider directory is omitted, as this file is intended only for the purposes of the next submission and thus contains no data to be corrected. A corrected consolidated notification and a corrected country indebtedness list within the file "print-prepared lists" are also omitted.

3. Inclusion of IT Service Providers in the Procedure If credit providers have commissioned the Deutsche Bundesbank by means of a liability release declaration to make the regular feedback available to an IT service provider, e.g., a data center or the parent company of an institutional group, this service provider receives the correction files to enable the corrected indebtedness data to be adopted into their IT systems. The forwarding of the correction notifications to the individual connected credit providers thus lies with the IT service provider – as is the case with the regular notification.

4. File Names The files of the correction notification are made available in the ExtraNet of the Deutsche Bundesbank in zipped form for download by the credit providers. The ZIP archive and the file contained therein bear the same name, except for the print file. The following file names have been established:

MIO.KDKjjmm.xxxxxxx.jjjjmmtt.hhmmss.zip with the file MIO.KDKjjmm.xxxxxxx.jjjjmmtt.hhmmss.BENA.pdf Print file of the correction notification for recipients who do not receive the regular notification in XML file format.

MIO.KDjjmm.xxxxxxx.jjjjmmtt.hhmmss.zip with the file MIO.KDjjmm.xxxxxxx.jjjjmmtt.hhmmss.BENA.pdf Print file of the correction notification for recipients of the regular notification in XML file format.

MIO.KBjjmm.xxxxxxx.jjjjmmtt.hhmmss.zip or .xml Corrected notification file

MIO.KAjjmm.xxxxxxx.jjjjmmtt.hhmmss.zip or .xml Corrected display file

MIO.KKjjmm.xxxxxxx.jjjjmmtt.hhmmss.zip or .xml Corrected group mirror

MIO.KPjjmm.xxxxxxx.jjjjmmtt.hhmmss.zip or .xml Corrected probability of default file

xxxxxxx stands for the credit provider number of the recipient of the file. In the PDF files with the identification letters "KDK" and "KD", xxxxxxx stands for the credit provider number of the respective credit provider. jjmm stands for the year and month of the corrected reporting period, jjjjmmtt and hhmmss stand for the date and time of the creation of the files.

5. Access to Files in the ExtraNet The files of the correction notification are made available for download by the credit providers in the ExtraNet of the Deutsche Bundesbank. To download these files, at least one ExtraNet user must be set up for the function "Collection of correction notifications according to Section 14 Paragraphs 2 and 3 KWG" for each credit provider. If the scope of authorization for already registered ExtraNet users, e.g., users of the master data search engine of the large and million credit reporting system, is to be extended by this additional function, a subsequent registration must be carried out via the homepage of the Deutsche Bundesbank at the address https://extranet.bundesbank.de/bsvpriv/. Alternatively, an initial registration must be carried out at the address https://extranet.bundesbank.de/bsvpub/register1.do?fv=BAM, where a user ID is assigned immediately during the registration process.

After sending the printed registration form to the Deutsche Bundesbank, the registration made is confirmed by an automated email to the user in the case of subsequent registration; in the case of initial registration, a password letter is sent. With the user ID and password, access to the download area of the correction notification is possible at the address https://extranet.bundesbank.de/FT/.

A registration of ExtraNet users for this function is not required if credit providers have connected to an IT service provider for the processing of the million credit reporting system (see 3. Inclusion of IT Service Providers in the Procedure). In these cases, only the IT service provider requires a corresponding ExtraNet registration.

6. Email Notification The Deutsche Bundesbank generates correction notifications quarterly for the two last notified reporting periods. Since correction notifications are only generated for those credit providers where at least one borrower or borrower unit is affected by corrections, the ExtraNet users authorized to collect the correction notification for the affected credit providers are informed by an automated email about the actual posting of correction files for download by the Deutsche Bundesbank.

7. Assignment of Data for Non-Self-Reporting Subordinate Credit Providers and for Merged Credit Providers Non-self-reporting subordinate credit providers are those credit providers whose million credit borrowers are to be reported by their superior company pursuant to Section 14 Paragraph 1 Sentences 2 to 4 KWG.

The Deutsche Bundesbank will make the corrected data for non-self-reporting subordinate credit providers, who receive the regular feedback in the form of XML files, available for download exactly where the regular feedback data is also provided, i.e., either with an IT service provider, with the reporting superior company, or – in the case of independent technical processing of the reporting system – with the subordinate credit provider itself. The corrected notification, display, group mirror, and probability of default files, as well as the print-prepared file with the identification letters "KD", will be posted.

Corresponding to the provision of the regular notification for non-self-reporting subordinate credit providers who do not receive the regular notification in XML file format, the Deutsche Bundesbank will make correction notifications available for download for these credit providers to the superior company. For these credit providers, a print-prepared file with the identification letters "KDK" will be provided.

In cases where a superior company has non-self-reporting subordinate credit providers that partially receive feedback as XML files and partially do not receive feedback as XML files, two print-prepared files with the identification letters "KD" and "KDK" are generated with the respective relevant data, so that in this case even six files are posted.

Since the provision of the corrected data for non-self-reporting credit providers is thus generally for the superior company or for an IT service provider, a registration of ExtraNet users for these subordinate credit providers is not required. Only in the rare case that the million credit reporting system is processed technically independently by a non-self-reporting credit provider with the Deutsche Bundesbank is a registration of users for collecting the correction notification necessary.

Correction notifications for credit providers that no longer exist at the time of creation of the correction due to a merger with another, acquiring credit provider, are made available to the acquiring credit provider. In such cases, only one print-prepared file with the identification letters "KDK" is always generated. Within the correction file, the extinct credit provider is still designated with its historical credit provider number and company name. In cases where the acquiring credit provider has connected to an IT service provider for the processing of the million credit reporting system, the acquiring credit provider requires an ExtraNet registration for downloading the correction data of the merged credit provider.

8. Contact Person for the Correction Notification Area For questions, the following communication channels are available to you: Telephone: +49 69 9566-37141 E-Mail: mio-dta@bundesbank.de