Calculating Bonuses 
Use
Bonus calculation is used for savings scheme agreements. 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 Scheme Agreements.
The bonus can be calculated as follows:
· Periodic (Periodic bonus): The bonus period corresponds to the settlement period. The bonus is paid periodically.
· One-time (one-time bonus): The bonus period corresponds to the complete term of the savings scheme agreement. The bonus is paid once at the end of term of the savings scheme agreement.
The following example shows the progression of a savings scheme agreement 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.
Number of Savings Years (Bonus Periods) |
Bonus |
1. Savings Year |
0.00% |
2. Savings Year |
1.00% |
3. Savings Year |
2.00% |
4. Savings Year |
4.00% |
5. Savings Year |
8.00% |
6. Savings Year |
12.00% |
7. Savings Year |
20.00% |
8. Savings Year |
25.00% |
9. Savings Year |
30.00% |
10. Savings Year |
35.00% |
11. Savings Year |
40.00% |
12. Savings Year |
45.00% |
13. Savings Year |
50.00% |
14. Savings Year |
50.00% |
15. Savings Year |
55.00% |
16. Savings Year |
60.00% |
17. Savings Year |
65.00% |
18. Savings Year |
70.00% |
19. Savings Year |
75.00% |
20. Savings Year |
80.00% |
21. Savings Year |
80.00% |
22. Savings Year |
85.00% |
23. Savings Year |
90.00% |
24. Savings Year |
95.00% |
25. Savings Year |
100.00% |
Prerequisites
You activated the savings scheme 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 Savings Scheme Agreement tab page.
Scope of Functions
The bonus calculation is called up by the function module BKK_COND_CALC_EXEC during interest and charge calculation. The function module BCA_ACBAL_BONUS_CTRL_BTE calls the BTE 0BCA4400, which calculates the bonus.