All you need to know about Electronic Bank Statement - CAMT

054 format

Most of the articles on EBS talk about step by step configuration guide. They talk about
concepts & end to end process very rarely. I hope we all agree that step by step
configuration guide is quite easy to follow, but the main challenge is to understand the
concept. If we understand the concept, it becomes easier for us to implement the
process in live systems. In this blog, I have tried to explain how the EBS process works
in SAP. At least I found it hard to implement when I started working on EBS in my
project. I wish my blog makes EBS process easy to my SAP colleagues across the
globe.

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. You can find a sample in the below link.
https://online.swedbank.se/ConditionsEarchive/download?bankid=1111&id=WEBDOC-
PRODE23208726

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.

Step 1:
Execute the following node in SPRO and check if the transformation exists for CAMT
054. It should be there.

Step 2:
 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. Refer to the below link for more details.

https://help.sap.com/saphelp_46c/helpdata/en/43/0bd56743de11d1896f0000e8322d00/
content.htm?no_cache=...

You can use standard interpretation algorithm or create your own. Refer to the SAP
note: 2032814 for the instruction on how to create Z interpretation algorithm.

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 SWISHMAIN & SWISHCLEARING 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.
Customizations in EBS upload:

 SAP note 2032814

 SAP note 494777 - Customer enhancements in electronic bank statement

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.