Capital Based Costs Accruals

[Former Member]

Dear experts,

We have came accross an issue with calculating accruals. The client wants to calculate the fees accurals over the pending capital of the product.

For example:

Period	Loan	Repayment	Fees	Fees accrual	Calculation
1	500 (initial)	100	100	33,33	100*500/1500
2	400	100		26,67	100*400/1500
3	300	100		20,00	100*300/1500
4	200	100		13,33	100*200/1500
5	100	100		6,67	100*100/1500
Total	1500			100

Do you see any straightforward solution for this case? Is there any BAPI to be used for calculating accruals programmatically?

Thank you.

Kind regards,

Oleg.

[Former Member]

I have found some bits of information on the CL_IM_TPM_AD_SPAIN, CL_IM_TPM_AD classes that seem like thay I can use the CHANGE_CALCULATION_BASIS, MODIFY_ACCRUED_AMOUNT methods to solve the issue but I'm not sure if they are what I need.

Have anyone dealt with them?

[Former Member]

Hi Oleg,

Is your fees related flow relevant for Accrual ? If yes, then you can also look BADi TPM_AD.

Regards,

Nikhil

[Former Member]

Thank you. It seems that it may be a correct BADi. Will inform you if it works.

[Former Member]

HHi Oleg,

you can check the Amortization process in TRM. By your example, i can suggest to use LAC method to amortize the fees linearly over the period of the loan. you need to assign relevant amortization step in your PMP. way of doing this :

1. Check option discount/premium in transaction type settings. This will open a field called payment amount in ftr_create. The difference between payment and nominal amount will be considered as fees and will be amortized.

RRegards,

nikhil

[Former Member]

Hello Nikhil,

We have revised your solution and it doesn't seem to be adequate. But thank you anyway.

What we need is to distribute the fees in a non-linear way. Ultimately I tend to think that there should be an ABAP way to implement the ammortization method, some BADi or a user-exit.

Kind regards,

Oleg.

[Former Member]

Hi Oleg,

In that case, Can you also check SAC method (Scientific Amortization method). This amortizes the flow by Calculating IRR and discounting factor. Note 864857 gives details on how its calculated.

Nevertheless, , you can check BADi: TPM_TRL_MANIPULATE or TPM_AMORTIZATION_CAL in TPM1

Regards,

Nikhil

[Former Member]

Thank you. I'll check on both solutions and will inform you on the result.

[Former Member]

Any thoughts?

[grigoriy_babitskiy]

Hello Oleg,

I don't know if you can use standard TRM accrual instrument, but you can develp you custom programm to take data from TRM and put it in Manual Accruals, for example.

Read documentation about Accruals Dropbox - Accrual Engine.ppt.

Maybe it can help you.

[Former Member]

Hello Grigoriy,

Thank you for your answer. Actually, we are trying to do in within the TRM module. 

We would like not to use the FI Accruals. Maybe some Badi or a user-exit solution be suitable.

Kind regards,

Oleg.