<Fragment xmlns:r="ddi:reusable:3_2" xmlns="ddi:instance:3_2">
  <Variable isUniversallyUnique="true" versionDate="2026-02-27T11:13:46.5708341Z" xmlns="ddi:logicalproduct:3_2">
    <r:URN>urn:ddi:de.dezim:26aff87d-6ad8-46cd-a4bc-4d1735994f49:2</r:URN>
    <r:Agency>de.dezim</r:Agency>
    <r:ID>26aff87d-6ad8-46cd-a4bc-4d1735994f49</r:ID>
    <r:Version>2</r:Version>
    <r:UserAttributePair>
      <r:AttributeKey>extension:ShouldCalculateFrequenciesForValidValues</r:AttributeKey>
      <r:AttributeValue>True</r:AttributeValue>
    </r:UserAttributePair>
    <r:UserAttributePair>
      <r:AttributeKey>extension:ShouldCalculateFrequenciesForInvalidValues</r:AttributeKey>
      <r:AttributeValue>True</r:AttributeValue>
    </r:UserAttributePair>
    <r:VersionResponsibility>shk@dezim-institut.de</r:VersionResponsibility>
    <r:VersionRationale>
      <r:RationaleDescription>
        <r:String xml:lang="en">neib_trash</r:String>
      </r:RationaleDescription>
    </r:VersionRationale>
    <VariableName>
      <r:String xml:lang="de">fin_bank</r:String>
      <r:String xml:lang="en">fin_bank</r:String>
      <r:String xml:lang="en-GB">fin_bank</r:String>
    </VariableName>
    <r:Label>
      <r:Content xml:lang="de">Haben Sie derzeit allein oder gemeinsam mit einer anderen Person ein Konto bei einer Bank oder einem anderen formellen Finanzinstitut?
</r:Content>
      <r:Content xml:lang="en">Do you, either by yourself or together with someone else, currently have an account at a bank or another type of formal financial institution?
</r:Content>
      <r:Content xml:lang="en-GB">Do you, either by yourself or together with someone else, currently have an account at a bank or another type of formal financial institution?
</r:Content>
    </r:Label>
    <VariableRepresentation additivity="NonAdditive">
      <r:CodeRepresentation blankIsMissingValue="false">
        <r:CodeListReference>
          <r:Agency>de.dezim</r:Agency>
          <r:ID>775da502-ba95-4681-a477-fd6eff1e42bc</r:ID>
          <r:Version>1</r:Version>
          <r:TypeOfObject>CodeList</r:TypeOfObject>
        </r:CodeListReference>
      </r:CodeRepresentation>
    </VariableRepresentation>
  </Variable>
</Fragment>