D_IMPLCT_CRDT_CRD_DBT_CNVNNC_CRDT

Where for [simple_tooltip content='CRDT_CRD_DBT_CNVNNC_CRDT; As defined in Regulation (EU) No 1071/2013, Annex II, Part 2.']Credit card debt: convenience credit[/simple_tooltip]:

– [simple_tooltip content='ANNLSD_AGRD_RT; Annualised agreed rate or narrowly defined interest rate in accordance with Regulation (EU) No 1072/2013 of the European Central Bank (ECB/2013/34).']Interest rate[/simple_tooltip] is by default not applicable (0)
– [simple_tooltip content='CNNCTD_FCTRNG_ID; An identifier to establish the relation with the factoring operation. This variable contains the Instrument unique identifier of the related factoring operation (i.e. the instance of the cube Factoring)']Connected factoring operation identifier[/simple_tooltip] is by default null
– [simple_tooltip content='IS_CRDT_LN_OTHR_RV_CRDT; As defined in Regulation 2016/867 of the European Central Bank (ECB/2016/13), Annex IV.']Is credit line other than revolving credit[/simple_tooltip] is by default Not applicable (0)
– [simple_tooltip content='DT_END_INTRST_ONLY; The date on which the interest-only period ends. Interest-only is an instrument for which, for a contractually set period, only the interest on the principal balance is paid, with the principal balance remaining unchanged.']End date of the interest-only period[/simple_tooltip] is by default null
– [simple_tooltip content='DT_NXT_INTRST_RT_RST; The date that the next interest rate reset, as defined in Part 3 of Annex I to Regulation (EU) No 1071/2013 (ECB/2013/33), takes place. If the instrument is not subject to a future interest rate reset, its legal final maturity date will be reported.']Next interest rate reset date[/simple_tooltip] is by default null
– [simple_tooltip content='INTRST_RT_CP; Maximum value for the interest rate charged.']Interest rate cap[/simple_tooltip] is by default null
– [simple_tooltip content='INTRST_RT_FLR; Minimum value for the interest rate charged.']Interest rate floor[/simple_tooltip] is by default null
– [simple_tooltip content='INTRST_RT_RST_FRQNCY; Frequency at which the interest rate is reset after the initial fixed-rate period, if any.']Interest rate reset frequency[/simple_tooltip] is by default null
– [simple_tooltip content='INTRST_RT_SPRD; Margin or spread (expressed as a percentage) to add to the reference rate that is used for the calculation of the interest rate in basis points.']Interest rate spread / margin[/simple_tooltip] is by default null
– if [simple_tooltip content='IS_DBT_FNNCNG; Financing of outstanding or maturing debt. This includes debt refinancing.']Is debt financing[/simple_tooltip] is TRUE (T), then [simple_tooltip content='PRPS; Classification of instruments according to their purpose.']Purpose[/simple_tooltip] is [simple_tooltip content='Financing of outstanding or maturing debt. This includes debt refinancing.']Debt financing (5)[/simple_tooltip]
else [simple_tooltip content='Other purposes not included in other categories of financing, including loans for consumption purposes to sole proprietorships/partnerships without legal status (see Part 3 of Annex II) if these are not already reported under the category ‘consumption’.']Purposes other than real estate purchase, margin lending, debt financing, imports, exports, construction investment, working capital facility (11)[/simple_tooltip]
– [simple_tooltip content='PYMNT_FRQNCY; Frequency of payments due, either of principal or interest, i.e. number of months between payments.']Payment frequency[/simple_tooltip] is by default [simple_tooltip content='Amortisation in which the full principal amount is repaid in the last instalment regardless of the interest payment frequency.']Bullet (4)[/simple_tooltip]
– [simple_tooltip content='RFRNC_RT; Reference rate used for the calculation of the actual interest rate.The Reference rate code is a combination of the reference rate value and maturity value.']Reference rate[/simple_tooltip] is by default Not applicable (0)
– [simple_tooltip content='RPYMNT_RGHTS; Classification of credit exposures according to the creditors rights to claim the repayment of the exposure. On domand or at short notice']Repayment rights[/simple_tooltip] is by default [simple_tooltip content='Instruments subject to repayment rights other than on demand or at short notice.']Other (2)[/simple_tooltip]
– [simple_tooltip content='IS_RVLVNG_LN; As defined in Regulation (EU) No 1071/2013, Annex II, Part 2.']Is revolving loan[/simple_tooltip] is by default Not applicable (0)
– [simple_tooltip content='SBRDNTD_DBT; Identification of subordinated debt. Subordinated debt instruments provide a subsidiary claim on the issuing institution that can only be exercised after all claims with a higher status (e.g. deposits/loans) have been satisfied.']Subordinated debt[/simple_tooltip] is by default [simple_tooltip content='The instrument is not a subordinated debt in accordance with the Table in Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33).']Non-subordinated debt (2)[/simple_tooltip]
– [simple_tooltip content='SYNDCTD_CNTRCT_ID; Contract identifier applied by the lead arranger of the syndicated contract to uniquely identify each contract. Each syndicated contract will have one syndicated contract identifier. This value will not change over time and cannot be used by the lead arranger as the contract identifier for any other contract. All creditors participating in the syndicated contract must use the same syndicated contract identifier.']Syndicated contract identifier[/simple_tooltip] is by default null
– [simple_tooltip content='TYP_AMRTSTN; Type of amortisation of the instrument including principal and interest.']Type of amortisation[/simple_tooltip] is by default [simple_tooltip content='Amortisation in which the full principal amount is repaid in the last instalment.']Bullet (4)[/simple_tooltip]
– [simple_tooltip content='TYP_INTRST_RT; Classification of credit exposures based on the base rate for establishing the interest rate for each payment period.']Type of interest rate[/simple_tooltip] is by default Not applicable (0)
– [simple_tooltip content='TYP_INSTRMNT; Classification of the instrument according to the type of contractual terms agreed between the parties.']Type of instrument[/simple_tooltip] is Credit card debt convenience credit (40)

Scheme dependencies:

Transformation Scheme ID

D_IMPLCT_CRDT_CRD_DBT_CNVNNC_CRDT

Description

Derivation of the variables with implict value for “Credit card debt: convenience credit”

Classification

Phase Type Subtype Related entity
Preparation Derivation Implicit LN

Natural language

Where for Credit card debt: convenience credit:

Interest rate is by default not applicable (0)
Connected factoring operation identifier is by default null
Is credit line other than revolving credit is by default Not applicable (0)
End date of the interest-only period is by default null
Next interest rate reset date is by default null
Interest rate cap is by default null
Interest rate floor is by default null
Interest rate reset frequency is by default null
Interest rate spread / margin is by default null
– if Is debt financing is TRUE (T), then Purpose is Debt financing (5)
else Purposes other than real estate purchase, margin lending, debt financing, imports, exports, construction investment, working capital facility (11)
Payment frequency is by default Bullet (4)
Reference rate is by default Not applicable (0)
Repayment rights is by default Other (2)
Is revolving loan is by default Not applicable (0)
Subordinated debt is by default Non-subordinated debt (2)
Syndicated contract identifier is by default null
Type of amortisation is by default Bullet (4)
Type of interest rate is by default Not applicable (0)
Type of instrument is Credit card debt convenience credit (40)

Scheme dependencies:

VTL Syntax

0 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT [calc 0 as "ANNLSD_AGRD_RT"];
1 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "CNNCTD_FCTRNG_ID"];
2 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "0" as "IS_CRDT_LN_OTHR_RV_CRDT"];
3 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "DT_END_INTRST_ONLY"];
4 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "DT_NXT_INTRST_RT_RST"];
5 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "INTRST_RT_CP"];
6 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "INTRST_RT_FLR"];
7 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "INTRST_RT_RST_FRQNCY"];
8 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "INTRST_RT_SPRD"];
9 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc (
if IS_DBT_FNNCNG = "T" then 5
else 11
) as "PRPS"];
10 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "4" as "PYMNT_FRQNCY"];
11 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "0" as "RFRNC_RT"];
12 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "2" as "RPYMNT_RGHTS"];
13 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "0" as "IS_RVLVNG_LN"];
14 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "2" as "SBRDNTD_DBT"];
15 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc null as "SYNDCTD_CNTRCT_ID"];
16 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "4" as "TYP_AMRTSTN"];
17 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "0" as "TYP_INTRST_RT"];
18 CRDT_CRD_DBT_CNVNNC_CRDT_E := CRDT_CRD_DBT_CNVNNC_CRDT_E [calc "40" as "TYP_INSTRMNT"];