This is a techno-functional blog, prepared to help both technical and functional consultants.
What is EBS?
Electronic Bank Statement is provided to the account holders in standard formats, e.g. CAMT, MT940, BAI2 etc. As a part of Payment Transaction processing, EBS can be imported and posted in SAP for reconciliation.
What is CAMT 054 format?
The camt.054 format provides you with the required information on all transactions entered on your account. This includes the information on SEPA transactions in standard Euro payments. The reports in camt.054 allow you to carry out the processing of individual transactions entered on your account as a total figure. The camt.054 is an alternative to MT900 Confirmation Debit, and MT910 Confirmation Credit.
Understanding the file format and how to map it with SAP tables:
Almost every bank that supports CAMT 054 provides a file specification explaining the file structure and the information it can hold.
CAMT 054 is an XML file with complex structure, so it is almost impossible to understand the file content just going through the file.
Worried!!!??? Don’t be.
SAP has already provided a transformation for this file format. So, SAP program can automatically transform the file content and load it in SAP tables. But yes, for that we need to complete basic EBS settings. If you want to review how the file will look like after transformation, follow the below steps.
Execute the following node in SPRO and check if the transformation exists for CAMT 054. It should be there.
- Go to transaction STRANS and enter the transformation FIEB_CAMT054_V2_TO_FEB
- Enter the following details and Click on view HTML.
The HTML output will show how the data is transformed and mapped to SAP back end tables.
There are mainly 4 tables that holds EBS information – FEBKO, FEBEP, FEBRE & FEBCL
How EBS is processed in SAP?
1. Run the transaction FF_5. Output Control parameters are important. Do remember to check all of them.
2. After importing the bank data from the XML, the program first transforms the bank data into SAP format (XSLT transformation)
3. Based on the Bank account in the file, program finds out the transaction types, in our case it is 19CMT054
4. Program then interprets the bank data based on External Transaction types in the bank statement and interpretation algorithm set up in the configuration.
- External Transaction Types:
External transaction types are used in bank statement to notify what kind of transaction it is. It is a common identifier between the bank and the target system. In SAP, we will have to configure all possible external transaction types for the bank statement format, in our case it is CAMT 054. Some example transaction types are <54>353 used for withdrawal, <54>664 used for deposits.
- Interpretation Algorithm:
Interpretation algorithm defines how the note to payee information from the bank statement will be interpreted.
You can use standard interpretation algorithm or create your own.
5. Based on the Posting rules (Z022 & Z023) defined for each bank transaction type the bank items are matched with the company data.
- Posting rules:
Posting rules will decide what to do with the incoming EBS transaction. Posting rules are assigned with the External transaction types. Choose + or – depending on whether the transaction increases (+) (deposit) or decreases (-) (withdrawal) the bank account balance.
6. There are 2 posting areas that we can post to while EBS processing in SAP.
- Posting Area 1 – Posting in Bank Accounting
- Posting Area 2 – Posting in Subledger Accounting
In our example, we have used only posting area 1. That means only 1 accounting posting will happen in Bank Accounting for each external transaction type. Refer to accounting entry 3 & 6 below. Please note that SWISSMAIN & SWISSCLEARING are just account symbols. The GLs have already been assigned with the account symbols.
If we choose Posting Area 2, another account posting will happen, that will clear the sub ledger directly. Refer to entry 2 & 5 below. This configuration will look like below. Posting type must be chosen correctly. The following posting types are available and needs to be assigned with the Posting rules.
Posting type 8 – Clear cred.subl.acct has been used for sub ledger clearing.
If both Posting Area 1 and 2 is chosen, 2 postings will happen for each external transaction type. First one will clear the Bank Accounting and the second one will clear the sub ledger.
- EBS posting accounting entries:
Accounts Payable –
1. Vendor Invoice
Dr GR/IR Account
Cr Vendor Recon Account
2. Payment to Vendor
Dr Vendor Recon Account
Cr Bank Outgoing Clearing Account
3. Post EBS in SAP
Dr Bank Outgoing Clearing Account
Cr Bank Main Account
Accounts Receivables –
4. Customer Invoice
Dr Customer Reconciliation Account
Cr Revenue Account
5. Incoming Payment from Customer
Dr Bank Incoming Clearing Account
Cr Customer Reconciliation Account
6. Post EBS
Dr Main Bank Account
Cr Bank Incoming Clearing Account
- After Posting the report will be shown as below. As per the import file, 2 bank statements are posted.
Journal Entries & Bank Statements
External Transaction type can be seen in the BTC – Business Transaction Code column. Here BTC is <54>. Payment notes can be interpreted by Interpretation Algorithm.
- Bank Statements can be reprinted using FF_6.
Understanding the EBS Back end tables:
Now let us understand the bank end tables in EBS. To understand EBS and how it works, it is important to understand how EBS is processed in SAP back end tables. We will see the table contents based on the above processed statements.
FEBKO – Electronic Bank Statement Header Records
KUKEY is the statement ID found on the top right of the bank statements
FEBEP – Electronic Bank Statement Line Items
External Transaction Keys are stored in VGEXT field. In our case, VGEXT = <54>-353 & <54>-664
FEBCL – Clearing data for an electronic bank statement line item
FEBCL holds the clearing information related to the processed EBS. In our case, we are using Assignment number (ZUONR) for clearing. The field SELVON is populated from the Payment Notes column in the bank statement. This table information can be customized using Z interpretation algorithm.
FEBRE – Reference record for electronic bank statement line item
Data in the VWEZW field will match with the Payment Notes information in the Bank Statement.
How to delete Bank statements from the buffer tables?
Run the report RFEBKA96 with Application as 0001 & bank statement IDs. In our case, it is 150 & 153.
How EBS processing can be automated?
- SAP PI/PO or any middleware can get the CAMT 054 files from bank SFTP folder and upload in designated folder in AL11. The folder can be configured in SPRO.
- 3 logical paths to be configured for the Inbound files, Processed and Errored files.
- Above logical paths to be set up in the Define Import Parameter step
- Run the transaction FEB_FILE_HANDLING with the source file path /INTERFACE/DEV/I0046/CAMT054/INBOUND
- If the processing the successfully, the file is moved from Inbound folder to the Processed folder. If any error, the file is moved to Error folder.