Repayment rights (RPYMNT_RGHTS)

Edition: second edition Veröffentlicht: 27.05.2019 aktuell Zum Quelldokument →

Definition: Repayment rights. Classification of credit exposures according to the creditor’s rights to claim the repayment of the exposure. The data attribute “repayment rights” indicates whether the creditor may or may not claim the repayment of the instrument “on demand or at short notice”.

Reporting qualification: For every instrument subject to AnaCredit, one of the two following values is reported. On demand or at short notice Definition: Instruments which are repayable on demand or at short notice at the request of the creditor. In AnaCredit, instruments “on demand or at short notice” include the following types of loan: • balances receivable on demand (call); • at short notice (by close of business on the day following that on which the demand was made); Revision mark: editorial changes are applied Revision mark: further clarifications are included regarding debit balances on current accounts 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes • debit balances on current accounts without an agreed credit limit (and similar balances), unless they are not repayable on demand or at short notice; • loans that are overnight deposits for the borrower (loans to be repaid by close of business on the day following that on which they were granted), regardless of their legal form. In particular, overnight balances, which are receivable by the creditor, are reported as “on demand or at short notice”. These include cash balances at central banks and other demand deposits, depending on the sector of the counterparty. For overdrafts which are debit balances on current accounts with no credit limit and which are payable on demand, the value “on demand or at short notice” is reported. Meanwhile, debit balances on current accounts with a credit limit which are not payable on demand or at short notice are reported as “other”. This includes cases where the credit limit is exceeded and where the excess alone may be payable on demand, but the instrument as a whole is not payable on demand. Other Definition: Instruments subject to repayment rights other than on demand or at short notice. Instruments are reported as subject to “other” repayment rights if they are not payable on demand or at short notice. General reporting instructions, specific cases and examples As a general rule, the data attribute does not concern just a part of the current balance outstanding, but rather it covers the right to use the instrument as a whole. Consequently, the value “other”, rather than “on demand or at short notice”, is reported even if an instrument is in excess of the assigned credit limit and where the excess alone may be payable on demand, provided that the instrument which is considered as a whole is not immediately payable (depending on the contractual agreement, such an excess may be a breach of covenant rendering the instrument immediately payable). In the same vein, the data attribute “repayment rights” is not necessarily changed to “on demand or at short notice” even if an amount under the instrument becomes due, unless the instrument’s being past due implies that the instrument as a whole is contractually cancelled and becomes immediately payable (in accordance with the contractual agreement, the lack of payment may be considered a breach of covenant resulting in the instrument becoming repayable “on demand or at short notice”). However, as regards debit balances on current accounts without an agreed credit limit (and similar balances), where, typically, the amounts are repayable as soon as they arise, the value “on demand or at short notice” is reported to AnaCredit because the outstanding debit balance is the whole instrument. Revision mark: further clarifications are included in line with Q&A 2018/0039 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes The paragraphs below provide an overview of the possible values of the data attribute by type of instrument. Please note that this serves only as a general guideline and exceptions may be possible in practice, depending on actual contractual agreements. • The value “other” is typically reported in the data attribute “repayment rights” for “revolving credit other than overdrafts and credit card debt”, “credit lines other than revolving credit”, “financial leases” and “trade receivables” because, in principle, such instruments are neither payable on demand, nor repayable by close of business on the day following that on which they were granted. • The value “on demand or at short notice” is typically reported in the data attribute “repayment rights” for reverse repurchase agreements when they are repayable by close of business on the day following the trading date; otherwise, they are reported under the value “other”. • Regarding open reverse repurchase agreements (i.e. where no legal final maturity date is defined in the contract owing to the fact that they are of a perpetual nature) which can be terminated on any day after the trading date (by either party, provided the party gives notice before an agreed daily deadline), the value “on demand or at short notice” is reported in the data attribute “repayment rights”, despite the fact that they roll over every day.

Veröffentlicht: 06.02.2026 aktuell Zum Quelldokument →

Dieses Datenfeld dient der Klassifikation von Kreditrisikopositionen entsprechend der Berechtigung des Gläubigers, die Rückzahlung der Forderung zu verlangen. Es ist einer der folgenden Werte anzugeben. Auf Anforderung oder kurzfristig Instrumente, die auf Anforderung oder kurzfristig auf Verlangen des Gläubigers rückzahlbar sind. Hierzu zählen beispielsweise Forderungen, die auf Anforderung sofort oder kurzfristig (bis zum Geschäftsschluss des auf die Anforderung folgenden Tages) rückzahlbar sind, Überziehungen sowie Kredite, die bei Geschäftsschluss des auf den Kreditgewährungstag folgenden Tages zurückzuzahlen sind, unabhängig von ihrer rechtlichen Ausgestaltung. Täglich fällige Guthaben, die zugunsten des Gläubigers ausstehen, werden als „auf Anforderung oder kurzfristig“ gemeldet. Dazu zählen Guthaben bei Zentralbanken und andere Sichteinlagen. Bei Überziehungen ohne vertraglich vereinbartes Kreditlimit, die auf Anforderung rückzahlbar sind, ist der Wert „auf Anforderung oder kurzfristig“ zu melden. Indes sind Überziehungen mit vertraglich vereinbartem Kreditlimit, die nicht als „auf Anforderung oder kurzfristig“ rückzahlbar gelten, als „andere“ zu melden. Dies gilt auch für Fälle, in denen das Kreditlimit überschritten wird und nur die Überschreitung als auf Anforderung rückzahlbar gilt, das Instrument als Ganzes jedoch nicht. Kann der Gläubiger eines Instruments in alleinigem Ermessen die Rückzahlung des Instruments verlangen, ist es generell mit dem Wert „auf Anforderung oder kurzfristig“ zu melden. Andere Bei Instrumenten, die nicht auf Anforderung oder kurzfristig rückzahlbar sind, wird unter Rückzahlungsansprüche der Wert „andere“ gewählt. Die Änderung des Datenfeldes Rückzahlungsansprüche kann nur erfolgen, wenn eine Nachverhandlung zwischen den beiden relevanten Meldeterminen stattgefunden hat. Somit ist in diesen Fällen auch eine Aktualisierung des Datenfeldes Datum des Stundungs- und Neuverhandlungsstatus notwendig.