Legal final maturity date (DT_LGL_FNL_MTRTY)

Edition: second edition Veröffentlicht: 27.05.2019 aktuell Zum Quelldokument →

The contractual maturity date of the instrument, taking into account any agreements amending initial contracts. The legal final maturity date is the date by which any funds drawn under the instrument are contractually to be ultimately paid or repaid and any undrawn funds can no longer be drawn. The legal final maturity date refers to the maturity date specified (if any) in the contract (i.e. valid as of the reporting reference date) that gives rise to the instrument. Generally, the contract specifies conditions for all instruments that may arise under the contract. Nevertheless, the legal final maturity date may be specifically provided for in the contract for individual instruments. Note that certain instruments (e.g. some credit cards, stock lending or open reverse repurchase agreements) have no legal final maturity date defined in the contract owing to the fact that the instruments are of a perpetual nature or have an embedded optionality. Therefore, for instruments with no maturity date, the value “non- applicable” is reported. 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes For instruments repayable on demand or at short notice, the value “non-applicable” is reported. However, if a legal final maturity date is specified for such instruments, then the date is reported. By convention, for any debit balances on current accounts with no credit limit, the value “non-applicable” is reported as the legal final maturity date. The legal final maturity date does not determine the final reporting of an instrument to AnaCredit (i.e. an instrument is reported after its legal final maturity if it meets the criteria for being reported). In contrast with the inception date, the legal final maturity date may change over the lifetime of an instrument as, by amending the contract, the legal final maturity date may be put forward or backward compared with the date originally set. In such cases, the previously reported legal final maturity date is updated, and the change is duly flagged in the data attributes “status of forbearance and renegotiation” and “date of the forbearance and renegotiation status”. However, a change in the legal final maturity date can only be effected by a change in the contract. In the absence of a contractual change, the legal final maturity date is not changed. In particular, as regards late payments which occur before the legal final maturity date to the effect that the instrument is not paid back by the legal final maturity date, please consider the following example as an illustration of how such late payments affect the legal maturity date. Revision mark: the reporting reference date in the description below Table 24 is corrected 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes Example 12: Legal final maturity date in the case of late payments Observed agent OA#1 has a loan (Loan#D) which was granted to debtor DBTR#4 on the basis of a contract (CNTRC#4) issued on 4 March 2017. The contractually agreed legal final maturity date for Loan#D is 20 September 2018. In the course of 2018, the debtor does not make all the payments it is contractually obliged to make, and by the maturity date the instrument is past due. Loan#D has been subject to AnaCredit reporting since September 2018. Despite the fact that the legal final maturity date has passed and the instrument has not been repaid yet, the legal final maturity date is not changed, and OA#1 submits the following information in the instrument dataset (Table 22). Table 22 Legal final maturity date as initially reported Reporting reference date Contract identifier Instrument identifier Inception date Legal final maturity date 30/09/2018 CNTRC#4 LOAN#D 04/03/2017 20/09/2018 The legal final maturity date still remains unchanged at the reporting reference date, even though on 25 July OA#1 considers the instrument in default, which is reported in the financial dataset (not shown here). On 5 October 2018, OA#1 and DBTR#4 agree to modify the distressed loan, and the following forbearance measure is applied: the original tenor of the loan is extended until 20 March 2019. Subsequently, Table 23 illustrates the instrument data that are submitted to AnaCredit as at 31 October 2018: Table 23 Legal final maturity date as contractually amended Reporting reference date Contract identifier Instrument identifier Inception date Legal final maturity date 31/10/2018 CNTRC#4 LOAN#D 04/03/2017 20/03/2019 As the instrument is forborne as of October, OA#1 reports the following information in the financial dataset, where the date of the contractual changes is provided. Table 24 Forbearance and renegotiation status Reporting reference date Contract identifier Instrument identifier Status of forbearance and renegotiation Date of the forbearance and renegotiation status 31/10/2018 CNTRC#4 LOAN#D Forborne: instruments with other modified terms and conditions 05/10/2018 Please note that a changed legal final maturity date is reported as of 31 October 2018 as a result of the contractual change of this specific condition of the instrument.

Veröffentlicht: 06.02.2026 aktuell Zum Quelldokument →

Dies ist das vertragliche Fälligkeitsdatum des Instruments unter Berücksichtigung aller Vereinbarungen zur Änderung ursprünglicher Verträge. Das rechtlich endgültige Fälligkeitsdatum ist der Tag, bis zu dem alle im Rahmen des Instruments in Anspruch genommenen Mittel vertraglich endgültig zu zahlen oder zurückzuzahlen sind und zu dem nicht in Anspruch genommene Mittel nicht länger zur Verfügung stehen. Bei einigen Instrumenten gibt es kein vertraglich festgehaltenes endgültiges Fälligkeitsdatum, da diese Instrumente zeitlich unbegrenzt sind oder eine eingebettete Optionalität enthalten. Aus diesem Grund ist bei Instrumenten ohne Fälligkeitsdatum der Wert „nicht zutreffend“ zu melden. Bei Sollsalden auf laufenden Konten ohne Kreditlimit ist allgemein der Wert „nicht zutreffend“ als rechtlich endgültiges Fälligkeitsdatum zu melden. Das gleiche gilt auch für Instrumente, die jederzeit oder kurzfristig rückzahlbar sind, es sei denn es ist ein rechtlich endgültiges Fälligkeitsdatum für diese Instrumente angegeben. Das rechtlich endgültige Fälligkeitsdatum bestimmt nicht den Zeitpunkt der letztmaligen Meldung eines Instruments im Rahmen der Kreditdatenstatistik (AnaCredit). Anders als das Datum des Vertragsabschlusses kann sich das rechtlich endgültige Fälligkeitsdatum eines Instruments im Laufe der Zeit ändern, da das ursprünglich festgelegte Datum durch Vertragsänderungen nach vorne oder nach hinten verschoben werden kann. In solchen Fällen wird das zuvor gemeldete rechtlich endgültige Fälligkeitsdatum aktualisiert und die Veränderung in den Deutsche Bundesbank Statistik Richtlinien Juli 2026 6.86 Kreditdaten- statistik Datenfeldern Stundungs- und Neuverhandlungsstatus und Datum des Stundungs- und Neuverhandlungsstatus ordnungsgemäß erfasst. Eine Veränderung des rechtlich endgültigen Fälligkeitsdatums ist nur durch eine Änderung des Vertrags möglich. Wird der Vertrag nicht geändert, kann auch das rechtlich endgültige Fälligkeitsdatum nicht geändert werden.