Evaluation can be carried out after the due date or after the posting date.

The contract capital is the commitment capital originally agreed on with the borrower for the entire term of the loan.

The current contract capital is the contract capital after all capital reductions and capital increases have been taken into account.

The commitment capital is the loan amount that the lender has agreed to lend for a fixed interest period. The commitment capital is the sum of the disbursement obligation and the remaining capital at the beginning of the fixed interest period.

The current commitment capital on a key date is the capital committed in the disbursement obligation and the remaining capital. At the beginning of a term the current commitment capital is equal to the contract capital. At the beginning of a fixed interest period the current commitment capital is equal to the commitment capital.

This is the sum of all capital reductions minus the sum of all capital increases in the current fixed interest period up until a key date.

The value-dated capital on a key date, is the amount that the loan partner actually receives. It is basically the sum of all disbursements and capital transfers (inflows).

This is the sum of the capital transfer outflows and the unscheduled repayments up to a key date. An unscheduled repayment can be generated from the conditions or entered manually using an application function For borrower’s note loans, the respective price gains/losses and the premium/discount accruals/deferrals proportionate to the capital are included in the calculation, in addition to the unscheduled repayments.

This is the sum of the capital transfer outflows and the incoming payments resulting from the unscheduled repayments up to a key date. For borrower’s note loans, the respective price gains/losses and the premium/discount accruals/deferrals proportionate to the capital are included in the calculation, in addition to the unscheduled repayments.

This is the sum of the condition-based, scheduled repayments up to a key date. This can include installment repayments, annuities and final repayments.

This is the sum of the incoming payments from condition-based, scheduled repayments up to a key date.

The disbursement obligation on a key date in the amount that can still be disbursed or transferred from another contract. It is basically the difference between the current contract capital and the value-dated capital.

The remaining capital on a key date is the balance of the balance sheet account. It is basically the difference between the value-dated capital and the sum of all resulting repayments and capital transfer outflows. In the case of interest capitalization, the interest is also included in the calculation. The difference between remaining capital and nominal remaining capital is that premiums/discounts that have not yet been accrued/deferred are taken into account for borrower’s notes that are posted net. This is because the premium/discount is managed in the position and not in the accruals/deferrals account.

The nominal remaining capital on a key date is the amount that the loans partner still has to repay. It is basically the difference between the value-dated capital and the sum of all resulting repayments and capital transfer outflows. In the case of interest capitalization, the interest is also included in the calculation.

The effective capital on a key date corresponds to the remaining capital but takes into account the incoming payments resulting from repayments, and not the debit positions.

The effective capital in local currency is calculated from the local currency amounts of the respective flows and also includes exchange rate gains and losses.

For loans taken the effective capital is equal to the remaining capital.

The available disbursement obligation on a key date is the maximum amount that can be disbursed or posted on a key date. This amount is calculated from the disbursement obligation on a key date and also takes into account all changes in capital (reductions and increases) and all fixed or protected flows lying after the key date. These include in particular:

The available capital on a key date is the maximum amount that can be repaid or transfer posted for a loan on a key date. This amount is calculated from the nominal remaining capital on a key date and also takes into account all fixed or protected flows lying after the key date. These include in particular: