Payment frequency (PYMNT_FRQNCY)

Definition: Payment frequency. Frequency of payments due, either of principal or interest, i.e. number of months between payments. This data attribute identifies the payment frequency applicable to the instrument at the reporting reference date. In the context of AnaCredit, the payment frequency is the frequency of the instalments in which the principal and the interest is repaid.

Values: For each instrument in the instrument dataset, one of the following values is reported. Monthly/quarterly/semi-annual/annual Definition: On a monthly/quarterly/semi-annual/annual basis. Please note that Annex IV to the AnaCredit Regulation refers to these four values, and each is a value in its own right. However, as the values are reported in the same way (where one of the four values is reported in accordance with the actually applied payment frequency) they are described in the Manual within the same category. 28 February 2017 AnaCredit Reporting Manual – Part II – Datasets and data attributes If the payment frequency is neither “bullet” nor “zero coupon”, and the frequency of both the principal payments and the interest payments is monthly or quarterly or semi-annual or annual, then the respective value is reported as payment frequency. Otherwise, if the payment frequency is neither “bullet” nor “zero coupon” and the frequencies of principal and interest payments differ but are both regular, and the higher of the two payment frequencies is monthly or quarterly or semi-annual or annual, then that value is reported in the data attribute “payment frequency”. Please note that “with a higher frequency” means “more often”. Hence, from among the four categories, monthly is the highest frequency while annually is the lowest. Bullet Definition: Amortisation in which the full principal amount is repaid in the last instalment regardless of the interest payment frequency. Zero coupon Definition: Amortisation in which the full principal amount and interest is repaid in the last instalment. Other Definition: Other payment frequency not included in any of the categories listed above. If the payment frequency is not any of the payment frequencies referred to in the previous points then the payment frequency to be reported is “Other”. In particular, the value “Other” is reported in the case of overdrafts with no agreed credit limit. General reporting instructions, specific cases and examples This data attribute is reported considering the following logical steps. • If the repayment schedule of the instrument meets the definition of “bullet” or “zero coupon” payment as defined above, then the corresponding value is reported. • Otherwise, if the payment frequency of the instrument is neither “bullet” nor “zero coupon”, then if the payment frequency is such that the frequency of principal payments and the frequency of interest payments are both the same and are either monthly or quarterly, or semi-annual, or annual, the respective value is reported. • Otherwise, if the payment frequency of the instrument is neither “bullet” nor “zero coupon”, and the payment frequency of principal payments is not the same as the frequency of interest payments, then the higher of the two payment frequencies is considered. In particular, if the higher frequency is either monthly or quarterly, or semi-annual, or annual, the respective value is reported. • Otherwise, the value “other” is reported. 28 February 2017 AnaCredit Reporting Manual – Part II – Datasets and data attributes

Definition: Payment frequency. Frequency of payments due, either of principal or interest, i.e. number of months between payments. This data attribute identifies the payment frequency applicable to the instrument at the reporting reference date. In the context of AnaCredit, the payment frequency is the frequency of the instalments in which the principal and the interest is repaid.

Values: For each instrument in the instrument dataset, one of the following values is reported. Monthly/quarterly/semi-annual/annual Definition: On a monthly/quarterly/semi-annual/annual basis. Please note that Annex IV to the AnaCredit Regulation refers to these four values, and each is a value in its own right. However, as the values are reported in the same way (where one of the four values is reported in accordance with the actually applied payment frequency) they are described in the Manual within the same category. 28 February 2017 AnaCredit Reporting Manual – Part II – Datasets and data attributes If the payment frequency is neither “bullet” nor “zero coupon”, and the frequency of both the principal payments and the interest payments is monthly or quarterly or semi-annual or annual, then the respective value is reported as payment frequency. Otherwise, if the payment frequency is neither “bullet” nor “zero coupon” and the frequencies of principal and interest payments differ but are both regular, and the higher of the two payment frequencies is monthly or quarterly or semi-annual or annual, then that value is reported in the data attribute “payment frequency”. Please note that “with a higher frequency” means “more often”. Hence, from among the four categories, monthly is the highest frequency while annually is the lowest. Bullet Definition: Amortisation in which the full principal amount is repaid in the last instalment regardless of the interest payment frequency. Zero coupon Definition: Amortisation in which the full principal amount and interest is repaid in the last instalment. Other Definition: Other payment frequency not included in any of the categories listed above. If the payment frequency is not any of the payment frequencies referred to in the previous points then the payment frequency to be reported is “Other”. In particular, the value “Other” is reported in the case of overdrafts with no agreed credit limit. General reporting instructions, specific cases and examples This data attribute is reported considering the following logical steps. • If the repayment schedule of the instrument meets the definition of “bullet” or “zero coupon” payment as defined above, then the corresponding value is reported. • Otherwise, if the payment frequency of the instrument is neither “bullet” nor “zero coupon”, then if the payment frequency is such that the frequency of principal payments and the frequency of interest payments are both the same and are either monthly or quarterly, or semi-annual, or annual, the respective value is reported. • Otherwise, if the payment frequency of the instrument is neither “bullet” nor “zero coupon”, and the payment frequency of principal payments is not the same as the frequency of interest payments, then the higher of the two payment frequencies is considered. In particular, if the higher frequency is either monthly or quarterly, or semi-annual, or annual, the respective value is reported. • Otherwise, the value “other” is reported. 28 February 2017 AnaCredit Reporting Manual – Part II – Datasets and data attributes

Die Zahlungshäufigkeit gibt die Häufigkeit der Raten an, in denen Tilgungs- und Zinszahlungen geleistet werden. Deutsche Bundesbank Statistik Richtlinien Januar 2026 6.86 Kreditdaten- statistik Es ist einer der folgenden Werte anzugeben. Monatlich/Vierteljährlich/Halbjährlich/Jährlich Lautet die Zahlungshäufigkeit weder „Einmaltilgung“ noch „Nullkupon“, und sind sowohl Tilgungs- als auch Zinszahlungen monatlich, vierteljährlich, halbjährlich oder jährlich fällig, dann muss der entsprechende Wert als Zahlungshäufigkeit gemeldet werden. Ist die Zahlungshäufigkeit von Tilgungen und Zinsen unterschiedlich, jedoch in beiden Fällen regelmäßig, ist die höhere Frequenz anzugeben. Einmaltilgung Tilgung, bei der der volle Kapitalbetrag am Ende der Laufzeit in einer Summe zurückgezahlt wird, unabhängig von der Häufigkeit der Zinszahlung. Nullkupon Tilgung, bei der der volle Kapitalbetrag und Zinsen mit der letzten Rate zurückgezahlt werden. Die Zinszahlung kann hierbei aus dem Diskont resultieren. Andere Andere Zahlungshäufigkeit, die nicht in den oben aufgeführten Kategorien enthalten ist. Insbesondere ist der Wert „andere“ zu melden, wenn es sich um Überziehungen ohne Kreditlimit handelt.