Use

Bonus calculation is used for savings schemes . The bonus is calculated based on the bonus capital and paid to the customer according to the credit interest for the bonus period.

The bonus is a specified percentage of the bonus capital. The bonus capital is the total of the savings installments paid during the bonus period. The bonus capital – and thus the bonus- can change if installments are under- or overpaid. For more information, see Payment Monitoring: Savings Schemes .

The bonus can be calculated as follows:

The following example shows the progression of a savings scheme with a term of 25 years. The minimum savings installment is EURO 50 per month with a notice period of three months. The base interest rate is 1% per year. The bonus is calculated on the savings installments paid in the expired savings year.

Prerequisites

You activated the payment agreement feature for an account product in Customizing for Account Management (FS-AM) under  Product Management Product Definition Account Products Create Account Product and you made the relevant settings for this feature.

The account has a bonus condition (condition category 105050 (bonus)) that is relevant for the settlement period. You defined the interest rate for the bonus on the SAP Easy Access screen under  Account Management (FS-AM) Current Settings Financial Conditions Condition Group Edit Condition Group (F9COGR2).

In account processing, you made settings on the Payment Agreement tab page.

Scope of Functions

Bonud calculation is executed by the BAdI AFTER_APPLAY_AMOUNT_LIMITS of the enhancement spot BCA_SETTL_CALC.