camt.053.001.08 — closing balance does not reconcile

<?xml version="1.0" encoding="UTF-8"?>
<!--
  ValidateFin sample file — bank statement, camt.053.001.08, BROKEN ON PURPOSE.
  Expected validation result: the file is well formed and satisfies the official
  ISO 20022 XSD, but it does NOT reconcile: OPBD 4200.00 + 1850.00 - 640.30 - 215.00
  = 5194.70, while the declared CLBD says 5194.07 — two digits transposed.
  This is the single most common defect in production camt.053 files, and no XSD
  can catch it: the schema has nothing to say about arithmetic.

  All parties and account numbers are fictitious.
  Reference page: https://validatefin.com/en/resources/samples/camt053-balance-mismatch
  License: CC-BY-4.0
-->
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.08"
          xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <BkToCstmrStmt>
    <GrpHdr>
      <MsgId>CAMT053-MISMATCH-20260331</MsgId>
      <CreDtTm>2026-03-31T20:00:00</CreDtTm>
    </GrpHdr>
    <Stmt>
      <Id>STMT-ES-2026-03</Id>
      <LglSeqNb>3</LglSeqNb>
      <CreDtTm>2026-03-31T20:00:00</CreDtTm>
      <FrToDt>
        <FrDtTm>2026-03-01T00:00:00</FrDtTm>
        <ToDtTm>2026-03-31T23:59:59</ToDtTm>
      </FrToDt>
      <Acct>
        <Id>
          <IBAN>ES9121000418450200051332</IBAN>
        </Id>
        <Ccy>EUR</Ccy>
        <Nm>Cuenta corriente</Nm>
        <Ownr>
          <Nm>Ceramicas del Levante SL</Nm>
        </Ownr>
        <Svcr>
          <FinInstnId>
            <BICFI>CAIXESBBXXX</BICFI>
          </FinInstnId>
        </Svcr>
      </Acct>
      <!-- Solde d'ouverture -->
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>OPBD</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">4200.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2026-03-01</Dt>
        </Dt>
      </Bal>
      <!-- Solde de cloture ANNONCE : 5194.07. Le calcul donne 5194.70. -->
      <Bal>
        <Tp>
          <CdOrPrtry>
            <Cd>CLBD</Cd>
          </CdOrPrtry>
        </Tp>
        <Amt Ccy="EUR">5194.07</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Dt>
          <Dt>2026-03-31</Dt>
        </Dt>
      </Bal>
      <Ntry>
        <NtryRef>ES-2026-03-0001</NtryRef>
        <Amt Ccy="EUR">1850.00</Amt>
        <CdtDbtInd>CRDT</CdtDbtInd>
        <Sts>
          <Cd>BOOK</Cd>
        </Sts>
        <BookgDt>
          <Dt>2026-03-06</Dt>
        </BookgDt>
        <ValDt>
          <Dt>2026-03-06</Dt>
        </ValDt>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>RCDT</Cd>
              <SubFmlyCd>ESCT</SubFmlyCd>
            </Fmly>
          </Domn>
        </BkTxCd>
        <NtryDtls>
          <TxDtls>
            <Refs>
              <EndToEndId>FRA-2026-0093</EndToEndId>
            </Refs>
            <RltdPties>
              <Dbtr>
                <Pty>
                  <Nm>Construcciones Mediterraneo SA</Nm>
                </Pty>
              </Dbtr>
            </RltdPties>
            <RmtInf>
              <Ustrd>Factura 2026-0093</Ustrd>
            </RmtInf>
          </TxDtls>
        </NtryDtls>
        <AddtlNtryInf>TRANSFERENCIA RECIBIDA</AddtlNtryInf>
      </Ntry>
      <Ntry>
        <NtryRef>ES-2026-03-0002</NtryRef>
        <Amt Ccy="EUR">640.30</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Sts>
          <Cd>BOOK</Cd>
        </Sts>
        <BookgDt>
          <Dt>2026-03-18</Dt>
        </BookgDt>
        <ValDt>
          <Dt>2026-03-18</Dt>
        </ValDt>
        <BkTxCd>
          <Domn>
            <Cd>PMNT</Cd>
            <Fmly>
              <Cd>IDDT</Cd>
              <SubFmlyCd>PMDD</SubFmlyCd>
            </Fmly>
          </Domn>
        </BkTxCd>
        <AddtlNtryInf>ADEUDO SEPA SUMINISTRO ELECTRICO</AddtlNtryInf>
      </Ntry>
      <Ntry>
        <NtryRef>ES-2026-03-0003</NtryRef>
        <Amt Ccy="EUR">215.00</Amt>
        <CdtDbtInd>DBIT</CdtDbtInd>
        <Sts>
          <Cd>BOOK</Cd>
        </Sts>
        <BookgDt>
          <Dt>2026-03-30</Dt>
        </BookgDt>
        <ValDt>
          <Dt>2026-03-30</Dt>
        </ValDt>
        <BkTxCd>
          <Domn>
            <Cd>ACMT</Cd>
            <Fmly>
              <Cd>MDOP</Cd>
              <SubFmlyCd>CHRG</SubFmlyCd>
            </Fmly>
          </Domn>
        </BkTxCd>
        <AddtlNtryInf>COMISIONES Y GASTOS DE MANTENIMIENTO</AddtlNtryInf>
      </Ntry>
    </Stmt>
  </BkToCstmrStmt>