Non performing assets User Manual
Contents
1. Display This field displays the type of arrears Display This field displays the extent of normal arrears outstanding against each type of arrear Conditional Numeric 13 Two Type the normal write off value in case the Partial Write Off option is selected In case the Full Write Off option is selected this column displays the amount that can be written off Display This field displays the extent of suspended arrears outstanding against each type of arrear Conditional Numeric 13 Two Type the suspended write off value in case the Partial Write Off option is selected In case the Full Write Off option is selected then this column displays the amount that can be written off Display This field displays the principal amount Display This field displays the interest accrued on this account that is yet to be capitalised Display This field displays the sum of total arrears principal and accrued interest to be written off Display This field displays the sum of suspended interest which is interest penal interest and post maturity interest and suspended service charge fees to be written off 36 ORACLE AC004 Account WriteOff Field Name Description Net WriteOff Display This field displays the net amount which will be the write off expense GL as a result of write off Net Write off Total write off Suspended reversals Provision Drawdown Princ Provision Cond2. Optional Check Box Select the Outstanding Commitment Fee check box to calculate the provision amount on the commitment fee Optional Check Box Select the Off Balance Sheet Amount check box to calculate the provision amount on the off balance sheet amount 3 Click the Add button 4 Select the provisioning group from the drop down list and press the lt Tab gt key 5 Select the provisioning sub group from the pick list 47 ORACLE ACM07 Provisioning Parameters at Bank level for Loans and Overdrafts Provisioning Parameters at Bank level for Loans and Overdrafts r Provisioning Groups and Parameters Provisioning Group Individually Assessed Provisioning Sub Group Debit Carde6 Components of Provisioning Base On Balnce Sheet Amount yy Outstanding Interest Outstanding Commitment Fee v Off Balance Sheet Amount F Record Details Input By Authorized By Last Mnt Date Last Mnt Action Authorized Delte Cancel Amend Click the Ok button The system displays the message Record Added Authorisation Pending Click the OK button 8 The provisioning parameters at bank level for loans and overdrafts are added once the record is authorised 48 ORACLE ORACLE Non Performing Assets Management User Manual May 2011 Version 4 3 1 0 0 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquirie
3. The options are e Customer short name The short name of the customer e Customer IC Identification criteria arrived at by the bank during customer addition e Customer ID Unique identification given by the bank Conditional Alphanumeric 20 Type the search string to search for a customer corresponding to the search criteria selected in the Search Criteria field If the search criterion is specified as customers short name or Customer IC then any of the letter s of the letter of the short name or IC can be entered The system displays the pick list of all those customers having those letters in their respective criteria Choose the appropriate customer from the existing customer list For example The customer s short name is George Abraham One can search the above customer by entering Geo in the Search String field Display This field displays the identification code of the customer A customer IC along with customer type is a unique method of customer identification across the bank covering all branches Based on the combination the system can identify the customer as an existing customer even when the customer opens a new account in another branch A social security number passport number birth certificate or corporate registration can be used as a customer IC Display This field displays the ID of the customer A customer ID is an identification number generated by the system after customer addition is
4. button Examples on provisioning Example 01 Account Exposure 500 On balance 200 Off balance 50 Accrued Interest 20 Commitment fees and LV 800 1 P on balance eligibility 500 On balance 800 LV 300 A A lt 0 then provision P on 0 2 P interest eligibility 50 accr int 300 A remaining LV 250 B B lt 0 then provision P i 0 P commitment eligibility 20 com fees 250 B 230 C C lt 0 then provision P c 0 4 P off balance eligibility 200 230 C 30 D D lt 0 then provision P off 0 43 ORACLE AC008 Provision Inquiry and Modification for Loans and Overdraft Example 02 Exposure 500 on balance 200 off balance 50 accr int 20com fees and LV 300 1 P on balance eligibility 500 On balance 300 LV 200 A A gt 0 then provision P on 200 A 0 236 Provision rate 47 2 2 P interest eligibility 50 accr int O remaining LV 50 B B gt 0 then provision P i 50 B 0 236 Provision rate 11 8 3 P commitment eligibility 20 com fees 0 remaining LV 20 C C gt 0 then provision P c 20 C 0 236 Provision rate 4 72 4 P off balance eligibility 300 0 remaining LV 300 D D gt 0 then provision P off 300 D 0 236 Provision rate 70 8 Total provision 47 2 11 8 4 72 70 8 134 52 Note LV Liquidation Value LV Discounted Value of Collateral Discounted value of Cash flow of credit 44 ORACLE ACMO7 Provisioning Parameters at Bank level
5. completed successfully This running number unique to a customer across the system is generated after the system has identified the Customer IC and Customer Category combination to be non existent in the system This ID is used for searching and tracking the customer in the system A social security number passport number can be used Display This field displays the name of the home branch where the customer s account is maintained Display This field displays the full name of the customer 25 ORACLE AC003 Account Provision Field Name Description Customer Display CRR This field displays the customer CRR The customer will be assigned the worst CRR of all the accounts and all the accounts will follow the customer s CRR Account Based Search Account Mandatory Numeric 16 Number Type the account number of the customer for which the CRR is to be inquired It could be a CASA account or a loan account Customer Display CAR This field displays the customer CRR The customer will be assigned the worst CRR of all the accounts but all the accounts of the customer will have respective CRR Customer Display Id This field displays the customer ID Home Display Branch This field displays the name of the home branch where the CASA account loan account is maintained To search based on customer select the search criteria from the drop down list Type the search string in Customer Based Search secti
6. for Loans and Overdrafts 1 6 ACM07 Provisioning Parameters at Bank level for Loans and Overdrafts Using this option you can define the bank level parameters for the provisioning groups and components of the provisioning base The components of provisioning bases can be subsequently modified The provisioning will consider the new components of provisioning bases from the date of modification In case any new component is added the provisioning for the new component will happen from the date of modification and in case an existing component is excluded from the provisioning base the provision for that component will get nullified by the system Definition Prerequisites Not Applicable Modes Available Add By Copy Add Modify Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To add provisioning parameters at bank level for loans and overdrafts 1 Type the fast path ACMO7 and click Go or navigate through the menus to Global Definitions gt AC gt Provisioning Parameters at Bank level for Loans and Overdrafts 2 The system displays the Provisioning Parameters at Bank level for Loans and Overdrafts screen 45 ORACLE ACM07 Provisioning Parameters at Bank level for Loans and Overdrafts Provisioning Parameters at Bank level for Loans and Overdrafts Provisioning Parameters at Bank level for Loans and Overdrafts r Provisioning Groups and Param
7. social security number passport number can be used Display This field displays the name of the customer 15 ORACLE AC002 CRR Enquiry Field Name Description Customer CRR Display This field displays the customer CRR The customer will be assigned the worst CRR of all the accounts and all the accounts will follow the customers CRR Home Branch Display This field displays the name of the home branch where the CASA account loan account is maintained 3 To search based on customer select the customer radio button and search criteria from the drop down list 4 Type the search string and press the lt Tab gt key 5 Select the customer from the pick list 6 To search based on account select the account number radio button 7 Enter the account number and press the lt Tab gt key The system displays the Account CRR tab Account CRR Search Criteria Customer Search String Account Number 06039050000104 Customer Information Customer ID 603905 Customer IC 123456 Customer Name NELSON DSOUZA Customer CRR 51 Doubtful 1 Home Branch Bank House is 06039050000104 51 51 Doubtful 1 10 10 Standard Suspended 16 ORACLE Field Description Column Name Account Number Present CRR Expected CRR Accrual Status New CRR New Accrual Status Recalled Account Status Linked to Customer AC002 CRR Enquiry Description Display Th
8. CRR Movement The details in this tab can be modified based on teller rights These rights are provided using the Template Access Rights Maintenance Fast Path SMMO06 option Search Criteria Customer Search String Account Number 06039050000104 Customer Information a CustomerID 603905 Customer IC 123456 Customer Name NELSON DSOLZA Customer CRR 51 Doubtful 1 Home Branch Bank House Account CRR Account Details CRR History CRR Details Account Number 06039050000104 Accrual Status Present CRR 51 51 Doubtful 1 Expected CRR 10 10 Standard Movement Forward New CRR 51 51 Doubtful 1 Recall Account Linked To Customer Reverse Movement Automatic OK cca Field Description Field Name Description CRR Details Account Number Display This field displays the account numbers In case of Customer Based Search criterion all the account number of that customer is displayed in this column In case of Account based search only that account number mentioned in the search criterion Accrual Status Display This field displays the current accrual status of the account Present CRR Display This field displays the current CRR of the account 22 ORACLE Field Name Expected CRR Movement New CRR Recall Account Linked to Customer Forward Movement Reverse Movement AC002 CRR Enquiry Description Display
9. Check Box Select the Recalled Account check box if the account can been recalled 18 ORACLE Field Name Actual Date of Classification Present CRR Accrual Status Loan Account Details Sanctioned Amount Disbursed Amount Outstanding Bal Principal Arrears Interest Arrears Other Arrears Min Amount Due CASA Account Details Limit Drawing Power AC002 CRR Enquiry Description Display This field displays the date on which asset classification criteria for movement from Normal to Suspended was satisfied Example An account has satisfied DPD criteria for forward movement to NPA on 15 06 2009 However the Classification frequency is monthly and account gets classified as suspended on the month end However the account classification date shows 30 06 2009 where as it has turned NPA on 15 06 2009 The system will show the date as 15 06 2009 in this field Display This field displays the current CRR of the account Display This field displays the current accrual status of the account Display This field displays the sanctioned amount corresponding to the loan account Display This field displays the total disbursed amount corresponding to the loan account Display This field displays the current outstanding balance corresponding to the loan account Display This field displays the principal arrears on the loan account Display This field displays the interest arrears
10. Date Last Mnt Action Authorized cl cl Account Number Customer Name Branch Product Mandatory Numeric 16 Type the account number of the customer for which the CRR is to be inquired modified It could be a CASA account or a loan account Display This field displays the short name of the primary customer as entered in the Customer Addition Fast Path 8053 option Display This field displays the name of the home branch where the account was opened Display This field displays the product code and name under which the account was opened The product code is a unique number across all the modules that can identify an authorised and valid product 5 ORACLE ACO001 Account Classification Preferences Field Name Description Currency Display This field displays the account currency derived from the product under which the account was opened Movement Forward Movement Reverse Movement Optional Drop Down Select the forward movement from the drop down list The forward movement refers to movement from performing asset to Non Performing Asset The options are e No Tracking e Automatic e Semi Automatic e Manual Conditional Drop Down Select the reverse movement from the drop down list The reverse movement refers to backward movement from NPA to Performing asset The options are e No Tracking e Automatic e Semi Automatic e Manual This field is enabled only if t
11. Definition Prerequisites e LNO57 Loan Direct Account Opening Modes Available Not Applicable To write off the account 1 Type the fast path AC004 and click Go or navigate through the menus to Transaction Processing gt Internal Transactions gt Classification gt Account WriteOff 2 The system displays the Account WriteOff screen Account WriteOff Total Balance 0 00 Total Arrears Princ Provision Made 3 9 00 Security Value UnColl Int Provision Made Full Write Off Write Off Details Arre Suspended Outstanding Interest Penalty Interest Post Maturity Interest Fees SC Premium Legal Fee OutGeings Principal Interest Accrued Total WriteOff Suspended Reversals Net WriteOff isi 1 00 UnColl Int Prov Drawdown Other Transactions User Defined Fields 34 ORACLE Field Description Field Name Account Details Account No Branch Product Currency Total Balance Total Arrears Princ Provision Made Security Value UnColl Int Provision Made Full Write Off AC004 Account WriteOff Description Mandatory Numeric 16 Type the account number of the customer for which the CRR is to be inquired modified It could be a CASA account or loan account Display This field displays the home branch where the account was opened Display This field displays the product code a
12. For example The customer s short name is George Abraham One can search the above customer by entering Geo in the Search String field Optional Radio Button Click the Account number to view CRR details for a particular account number Display This field displays the ID of the customer A customer ID is an identification number generated by the system after customer addition is completed successfully This running number unique to a customer across the system is generated after the system has identified the Customer IC and Customer Category combination to be non existent in the system This ID is used for searching and tracking the customer in the system The ID should be such that it is in conjunction with the customer Type and can determine if the customer is an existing customer A social security number passport number can be used Display This field displays the identification code of the customer A customer IC along with customer type is a unique method of customer identification across the bank covering all branches Based on the combination the system can identify the customer as an existing customer even when the customer opens a new account in another branch A social security number passport number birth certificate or corporate registration can be used as a customer IC The IC should be such that it is in conjunction with the customer Type and can determine if the customer is an existing customer A
13. Oracle FLEXCUBE Core Banking Non Performing Assets Management User Manual Release 4 3 1 0 0 Part No E52075 01 ORACLE FINANCIAL SERVICES ORACLE FLEXCUBE Core Banking Non Performing Assets Management Table of Contents index 1 FLEXCUBE Core Banking Non Performing Assets Management c cssssssseeeseeeeeeteees 3 1 1 ACO01 Account Classification Preferences cccccccesscecseseeeecseaeeeceeaeeeeeeaeeessesaeeeeseaas 4 De PI GAR ENG tsa al sie BS hal ly ai he aca wih rai aa Ae a 13 1 3 PS CAL PRG ESOT ih aise Asioiiessssnseet aranieeianaseeesaansdessavioedswanieecasinieeavedesas Eka 24 ES Account PEIN sccis Aonctcacuiicessibucciniunieesisadecsdsiniesseaiqnsdaiinieedadiuiktaindeesnugutsouuns 34 1 5 AC008 Provision Inquiry and Modification for Loans and Overdraft cccccsseeeeeees 39 1 6 ACMO7 Provisioning Parameters at Bank level for Loans and Overdrafts 008 45 ORACLE FLEXCUBE Core Banking Non Performing Assets Management 1 FLEXCUBE Core Banking Non Performing Assets Management 3 ORACLE ACO001 Account Classification Preferences 1 1 ACO01 Account Classification Preferences Using this option you can view and modify the account level asset classification preferences w r t CRR movemert provisioning and claw back The parameters displayed here are defaulted from the product at the time of account opening You can also provide a validity period for excluding accounts
14. Search criteria E cerne aU Customer IC GEORGEHARR Customer Id 60097 Home Branch 9999 Customer Full Name GEORGE HARRISON Customer CRR MA Account Based Search Account Number Customer CRR Customer Id Home Branch Accounts Provisi istory Adjustment Account Number i 00016516 Expected Provision Principal Balance 25 o Accounted Provision 000 Secured Amount i Account Provision Unsecured Amount 25 200 00 User Adjustment 0 00 Cancel ok _ctese_ _ clear _ Field Description Field Name Description Account Number Display This field displays all the account numbers of the customer in case of Customer Based Search criterion In case of Account based search only that account number mentioned in the search criterion is displayed Expected Provision Display This field displays the provision value corresponding to the account CRR Principal Balance Display This field displays the principal balance outstanding 32 ORACLE AC003 Account Provision Field Name Description Accounted Display Provision Secured Amount Account Provision Unsecured Amount User Adjustment This field displays the value of provision to an extent the GL entries have been passed at the account level If the GL entries for provisioning is maintained as Yes the value will be same as Account Provision Display This field
15. This field displays the expected account CRR as of current date based on the classification plan attached to the account In case of amanual CRR movement the expected CRR helps the user to compare and maintain the account CRR Mandatory Drop Down Select the type of movement depending upon the new CRR category from the drop down list The options are e Forward e Reverse Mandatory Pick List Select the new CRR value based on the selection from the pick list Conditional Check Box Select the Recall Account check box to mark an account as recalled Optional Check Box Select the Linked to Customer check box This field displays whether an account can affect or can be affected by the Customer CRR movement Display This field displays whether the forward movement is automatic manual or there is no tracking Display This field displays whether the reverse movement is automatic manual or there is no tracking 9 Enter the relevant information in the CRR Movement tab 10 Click the Ok button 11 The system displays the message Authorisation required Do You Want to continue Click the Ok button 12 The system displays the Authorization Reason screen 13 Enter the required information and click the Ok button 14 The system displays the message Record Authorised Click Ok to Continue Click the Ok button 23 ORACLE AC003 Account Provision 1 3 AC003 Account Provision U
16. d for Individually Assessed group of accounts The value for this field is in the local currency Conditional Numeric 13 Two Type the discounted collateral value for the account This field is enabled for Individually Assessed group of accounts The value for this field is in the account currency and is used for provision calculations Conditional Numeric 13 Two Type the discounted collateral value for the account This field is enabled for Individually Assessed group of accounts The value for this field is in the local currency Mandatory Pick List dd mm yyyy Select the date from the pick list to indicate the start date for the generation of Provision History Mandatory Pick List dd mm yyyy Select the date from the pick list to indicate the end date for the generation of Provision History 41 ORACLE AC008 Provision Inquiry and Modification for Loans and Overdraft Column Name Account No Provisioning on Balance Sheet Amount Provisioning on Outstanding Interest Provisioning on Outstanding Commitment Fee Provisioning on Off Balance sheet Amount Total Provision Amount Date of Provision Provisioning Rate Description Display This column displays the account number Display This column displays the provisioning amount on the principal outstanding Display This column displays the provisioning amount on the outstanding interest receivable Display T
17. days has been paid off The reclassification of the account will be based on the above flag If the flag is Realization of all dues the account will continue to remain Doubtful as the account still has an arrear and all arrears have not been paid If the flag is Classification Rules the account will be re classified as Substandard as according to the classification rule an account with dues more than 30 days and less than 60 days old should be classified as Substandard Conditional Check Box Select the Change Override dates check box if the override period for the customer account is to be maintained This field is enabled only if the Semi Automatic option is selected from the Forward Movement and Reverse Movement field 7 ORACLE Field Name Override start date Override end date Exclude from CRR Equalization Exclusion Start Date Exclusion End Date AC001 Account Classification Preferences Description Conditional Pick List dd mm yyyy Select the start date from which the override rate or the modified account level LLP rate is applicable to the account from the pick list The start date should be greater than or equal to the current date This field is enabled only if the Change Override dates check box is selected Conditional Pick List dd mm yyyy Select the end date up to which override rate or the modified account level LLP rate is applicable to the account f
18. displays the total principal amount that is secured as per the last valuation Display This field displays the provision maintained at the account level The value will be the same as Expected Provision in case the Account Provisioning is set to Automatic Display This field displays the principal amount that is unsecured Mandatory Numeric 13 Two Type the adjustment amount This field will accept negative values also and the negative value will result in reduction in the account provision to that extent 8 To maintain provision details manually enter the relevant information in the Provision Adjustment tab and click the Ok button to save the data 9 Click the OK button 10 The system displays the message Authorisation required Do You Want to continue Click the Ok button 11 The system displays the Authorization Reason screen 12 Enter the required information and click the OK button 33 ORACLE AC004 Account WriteOff 1 4 AC004 Account WriteOff Using this option you can fully or partially write off the balances and arrears in the account In case of full write off you will not be allowed to modify anything other than commit the transaction while in partial write off you can to specify the amount of arrears to be written off against each type of arrears Additionally you can specify the amount of Provision Drawdown i e the amount to be taken from the provision GL for part write off
19. earch Search Criteria tNa Search String Customer IC 270519761 Customer Id Home Branch 709 Customer Full Name GEORGE GEROGE THOMAS Customer CRR 10 LANCE Account Based Search Account Number Customer CRR Customer Id Home Branch on A ane Accounts Provision History Account Number 000000021279 Expected Provision Accounted Provision Inquiry Option 31 12 2007 10 00 10 00 0 80 0 80 o SYSTEM SYSTEM 31 01 2008 10 14 10 14 0 01 0 81 o SYSTEM SYSTEM 29 02 2008 10 28 10 28 0 01 0 82 o SYSTEM SYSTEM Field Description Field Name Description Account Number Display This field displays all the account numbers of the customer in case of Customer Based Search criterion In case of Account based search only that account number mentioned in the search criterion is displayed Expected Provision Display This field displays the provision value corresponding to the account CRR Accounted Display Provision This field displays the value of provision to an extent the GL entries have been passed at the account level If the GL entries for provisioning is maintained as Yes the value will be same as account provision 30 ORACLE Field Name Inquiry Option AC003 Account Provision Description Mandatory Drop Down Select the inquiry option from the drop down list In case
20. eters Provisioning Group Provisioning Sub Group Components of Provisioning Base On Balnce Sheet Amount Outstanding Interest Outstanding Commitment Fee Off Balance Sheet Amount Record Details Authorized By Last Mnt Date Last Mnt Action Authorized Field Description Field Name Description Provisioning Groups and Parameters Provisioning Mandatory Drop Down Group Select the provisioning group code from the drop down list The options are e Individually assessed e Commonly assessed These groups are maintained as part of Day 0 activity in the backend tables Provisioning Sub Mandatory Pick List Group Select the provisioning sub group code and description from the pick list The sub groups are maintained as part of Day 0 activity in the backend tables Additions can be made to these sub groups subsequently in the backend tables 46 ORACLE ACM07 Provisioning Parameters at Bank level for Loans and Overdrafts Field Name Description Components of Provisioning Base On Balnce Sheet Amount Outstanding Interest Outstanding Commitment Fee Off Balance Sheet Amount Optional Check Box Select the On Balnce Sheet Amount check box to calculate the provision amount on the balance sheet amount i e the principal outstanding Optional Check Box Select the Outstanding Interest check box to calculate the provision amount on the outstanding interest
21. f arrears which can be claw backed are e Interest Arrears e Penalty Arrears e Other Arrears e Post Maturity Interest Arrears e SC Fee Arrears For example If only the Interest Arrears check box is selected then the past due period of interest arrears will only be claw backed Similarly if all the types of arrears check boxes are selected then the past due period of all types of arrears will be considered for claw back Note Other Arrears include Premium Legal Fees and Outgoing Arrears 3 Click the Modify button 4 Enter the account number and press the lt Tab gt key 5 Enter the movement provisioning and arrears to claw back details 11 ORACLE ACO001 Account Classification Preferences Account Classification Preferences Account Number 00000012829 Customer Name Branch 93 Product Currency _ Movement Semi Automatic F Reverse Movement Control Flag Classification Plan Forward Movement Semi Automatic Reverse Movement Override end date 25 05 2008 fod Change Override dates vw Override start date 31 12 2007 oe Vv Exclusion Start Date 2171272007 ES Exclusion End Date 25 05 2008 e Exclude from CRR Equalization Linked to Customer v _ Provisioning a Provisioning Automatic GL Entries for Provisioning Yes Claw back Claw back Option Current Financial Year v Arrear
22. from the CRR equalization process and after the end of the validity period the account will be included in the CRR equalization process Definition Prerequisites e 8051 CASA Account Opening e LNO57 Loan Direct Account Opening e LNM11 Product Master Maintenances Modes Available Modify Delete Cancel Amend Authorize Inquiry For more information on the procedures of every mode refer to Standard Maintenance Procedures To modify the account classification preferences details 1 Type the fast path AC001 and click Go or navigate through the menus to Transaction Processing gt Internal Transactions gt Classification gt Account Classification Preferences 2 The system displays the Account Classification Preferences screen 4 ORACLE ACO001 Account Classification Preferences Account Classification Preferences Account Number Customer Name Branch Product Currency Movement t Forwar d Movemen ti Reverse Movemen ti Reverse Movement Control Flag ae e f Fg Change Override dates Override start date 180 TE Override end date L 1 1800 ES Exclude from CRR Equalization Exclusion Start Date 18 ES Exclusion End Date agd Linked to Customer GL Entries for Provisioning Claw back Claw back Option Arrears to Claw back Interest Arrears Penalty Arrears Other Arrears Post Maturity Interest Arrears SC Fee Arrears Record Details i By Authorized By Last Mnt
23. he Automatic option is selected in the Forward Movement field 6 ORACLE Field Name Reverse Movement Conirol Flag Change Override dates ACO001 Account Classification Preferences Description Conditional Drop Down Select the appropriate reverse movement control flag from the drop down list The Reverse Movement Control Flag will determine whether the reverse movement happens only on payment of all the arrears dues by the borrower or there can be movement if sufficient payment has been made to move the account to next best CRR This field is disabled if the No Tracking option is selected in the Forward Movement field The options are e None e Realization of all dues If this option is selected the system will not move the account to a better CRR unless all the arrears are paid off This validation will be enforced even in a manual movement scenario e Classification Plan If this option is selected the system will move the account to the CRR category in which the account falls based on the classification rules For example Assume a rule where an account is classified as Substandard if it has arrears more than 30 days old and Doubtful if it has arrears more than 60 days old In such a scenario if there is an account with two arrears aged 45 days and 90 days respectively This account should be classified as Doubtful according to the above rule Now assume that the arrear aged 60
24. his account is used to arrive at the Customer CRR and also the account CRR moves along with Customer CRR If the check box is not selected then neither this account is considered for arriving at the Customer CRR nor is this account affected by the Customer CRR movement In case of a customer CRR tracking scenario the account will be opened by default as linked to the customer The user has an option of delinking this account from the customer for the purpose of classification by clearing the check box In case of an account tracking scenario this check box is cleared at the time of account opening and cannot be ticked Optional Drop Down Select the type of provisioning from the drop down list The options are e No tracking e Manual e Automatic The Provisioning flag will determine whether the Provisioning will be Automatic or Manual If it is set to be Automatic the system will calculate and store the provision at the frequency set in the Provisioning Frequency parameter This flag however will not mean that the system passes the GL entries for the provision amount Automatic Provision will just ensure calculation of provision In case of Manual provision the system will not do any calculation of provision on a periodic basis but the user will have the option to maintain any provision amount against the account accounts under products where the provisioning is set as Manual 9 ORACLE Field Name GL Entrie
25. his column displays the provisioning amount on the outstanding commitment fee Display This column displays the provisioning amount on the off balance sheet amount Display This column displays the total provisioning amount which is a total of the above four provisioning amounts Display This column displays the date of provision Display This column displays provisioning rate for the account on which the corresponding provision has been calculated 3 Enter the account number and press the lt Tab gt key 4 Enter the relevant information 5 Click the Inquire button 42 ORACLE AC008 Provision Inquiry and Modification for Loans and Overdraft Provision Inquiry and Modification for Loans and Overdraft Provision Inquiry and Modit fication for Loans and Overdraft Account Based Search Account Number 70000000419440 Name GEORGEDANNIELPAUL _ Provisioning Group Commonly Assessed Provisioning Sub Group Debit Cards 2 Provisioning Rate Customer Account Risk Category f 30 i i Discounted cash Flow of Credit ACy Discounted cash Flow of Credit LCy _ Discounted Collateral Value Acy Discounted Collateral Yalue LCY J l Provision History PY FromDate 01 12 2007 G Te Date 15 01 2008 ES 70000000419440 48225 o 174440 14976000 15198665 15 12 2007 70000000419440 24225 402 360509 33 14976000 15361136 33 31 12 2007 6 Click the Close
26. ich provision details are required to be modified inquired Name Display This field displays the name of the customer Provisioning Display Group This field displays the applicable provisioning group for the account as provided by the external system The options for the group are e Individually Assessed e Commonly Assessed 40 ORACLE AC008 Provision Inquiry and Modification for Loans and Overdraft Field Name Provisioning Sub Group Provisioning Rate Customer Account Risk Category Discounted cash Flow of Credit ACY Discounted cash Flow of Credit LCY Discounted Collateral Value ACY Discounted Collateral Value LCY Provision History From Date To Date Description Display This field displays the applicable provisioning sub group for the provisioning group as provided by the external system Display This field displays the provisioning rate for the account as provided by the external system Display This field displays the customer account risk category for the account as provided by the external system Conditional Numeric 13 Two Type the discounted cash flow of credit for the account This field is enabled for Individually Assessed group of accounts The value for this field is in the account currency and is used for provision calculations Conditional Numeric 13 Two Type the discounted cash flow of credit for the account This field is enable
27. is column displays all the account numbers of the customer in case of Customer Based Search criterion In case of Account based search only that account number mentioned in the search criterion is displayed Display This column displays the current CRR of the account If the CRR movement is automatic then the system will display the account CRR as of the last classification frequency If the CRR movement is manual then the last CRR recorded by the user will be displayed Display This column displays the expected account CRR as of current date based on the classification plan attached to the account In case of a manual CRR movement the expected CRR helps the user to compare and maintain the account CRR Display This column displays the current accrual status of the account Display This column displays the new CRR value for each account of the customer if any change has been done by the user Display This column displays the new accrual status for each account of the customer based on the new CRR Display This column displays the recalled status of the account N indicates that the account is not recalled and Y indicates that the account is recalled Display This column displays the status of the account The account status is displayed as Account Closed for both the cases of the account getting closed normal or EFS and a written off account will be marked as recovered Display This column dis
28. itional Numeric 13 Drawdown Type the extent to which provision is to be utilized for the purpose of write off UnColl Int Prov Display Drawdown This field displays the amount of uncollected interest provision utilized or draw down for the loan account being written off Enter the account number and press the lt Tab gt key The system displays the write off account details when the Full Write Off option is selected 5 The system allows to modify the write off account details when the Partial Write Off option is selected 6 Enter the required information in the various fields Account WriteOff Account WriteOff Account Details Account No Branch Product Currency Total Balance Total Arrears Princ Provision Made Security Value UnColl Int Provision Made O Full write off partial write off Write Off Details Arrears Normal Suspended Interest Penalty Interest Post Maturity Interest Fees SC Premiu mMm Legal Fee OutGoings aan eC an E a 1 00 00 Outstanding Write Off Outstanding Write Off 1800 00 E am C a E E mi E m Principal Interest Accrued Total Writeoff Net WriteOff 37 Suspended Reversals Uncoll Int Prov Drawdown ok close clear_ ORACLE N 10 11 AC004 Account WriteOff Click the Ok button The system displays the message A
29. nd name under which the account was opened The product code is a unique number across all the modules that can identify an authorised and valid product Display This field displays the account currency derived from the product under which the account was opened Display This field displays the total balance outstanding in CASA account or loan account Display This field displays the total interest arrears due in CASA account or loan account Display This field displays the principal provision available for the account as maintained by the system or manually maintained for any diminution in the value of the loan overdraft assets Display This field displays the total principal amount that is secured as per the last collateral valuation This will include both the Primary and Secondary Collaterals Display This field displays the current position of any uncollected interest provided for in the term loan account Optional Radio Button Click Full Write Off to write off the entire amount mentioned in the write off details section 35 ORACLE Field Name Partial Write Off Write Off Details Arrears Normal Outstanding Normal Write Off Suspended Outstanding Suspended Write Off Principal Interest Accrued Total WriteOff Suspended Reversals AC004 Account WriteOff Description Optional Radio Button Click Partial Write Off to partially write off the amount of arrears
30. o account for calculation of provision For more information refer to the Examples provided at the end of the chapter Definition Prerequisites e ACMO7 Provisioning Parameters at Bank level for Loans and Overdrafts e External file upload for the Loans and overdraft accounts for which the modification inquiry is made Modes Available Not Applicable To perform provision inquiry and modification for loans and overdrafts 1 Type the fast path AC008 and click Go or navigate through the menus to Global Definitions gt AC gt Provision Inquiry and Modification for Loans and Overdraft 2 The system displays the Provision Inquiry and Modification for Loans and Overdraft screen 39 ORACLE AC008 Provision Inquiry and Modification for Loans and Overdraft Provision Inquiry and Modification for Loans and Overdraft Provision Inquiry and Modification for Loans and Overdraft Account Based Search Account Number Name Provisioning Group Provisioning Sub Group Provisioning Rate Customer Account Risk Category Discounted cash Flow of Credit ACy Discounted cash Flow of Credit LCy _ Discounted Collateral alue Acy Discounted Collateral Yalue LC f r Provision History pr From Date 15 01 2008 To Date 15 01 2008 Field Description Field Name Description Account Based Search Account Number Mandatory Numeric 16 Type a valid CASA Loan account number for wh
31. on and press the lt Tab gt key Select the customer from the pick list 5 To search based on account type the account number in Account Based Search section and press the lt Tab gt key 26 ORACLE Account Provision AC003 Account Provision Customer Based Search Customer Full Name GEORG Search Criteria Customer Short Nar Customer IC GEORGEHARR E HARRISON Customer Id Customer CRR 5 Home Branch 9999 Account Based Search Account Number Customer Id keal Customer CRR Home Branch Accounts Provision History 000000016816 25 300 00 0 00 25 300 00 51 51 MACET 20 240 00 0 00 0 00 0 00 8 Open Regular 6 The system displays the Accounts tab 27 ok _ctose clear _ ORACLE Accounts Account Provision AC003 Account Provision Customer Based Search _ Search Criteria Customer IC GEORGEHARR Customer Full Name GEORGE HARRISON Customer Id Home Branch 9999 Customer CRR Account Based Search Account Number Customer Id Customer CRR Home Branch Accounts l 00000016816 25 300 00 0 00 25 300 00 51 51 MACET 20 240 00 0 00 0 00 0 00 8 Open Regular Field Description ok _ctese clear_ Column Name Description Account No Display This column displays all the account numbers of the customer in case of Customer Based Search cri
32. on the loan account Display This field displays the sum of all the other arrears on the loan account Other Arrears include Premium Legal Fees and Outgoing Arrears Display This field displays the total MAD for the revolving loan accounts Display This field displays the sanctioned limit or the drawing power amount whichever is lower 19 ORACLE Field Name AC002 CRR Enquiry Description Collateral Available Display Book Balance Current Balance Interest Arrears Other Arrears CRR History This field displays the collateral security amount corresponding to the account Display This field displays the book balance of the CASA account Display This field displays the current balance of the account Display This field displays the interest arrears Display This field displays the sum of all the other arrears on the loan account Other Arrears include Premium Legal Fees and Outgoing Arrears Search Criteria Customer Account Number 06039050000104 Search String Customer Information Customer ID 603905 Customer CRR 51 Doubtful 1 Account CRR Account Details CRR Histo Customer IC 123456 Customer Name NELSON DSOUZA Home Branch Bank House CRR Movement 20071130000000 10 10 Standard 20080229000000 10 10 Standard Account Number 06039050000104 10 10 Standard ACCOUNT OPENING TDEVIDEA TDEVIDEA 51 51 Do
33. plays whether the movements in this account will also affect the customer CRR 8 Click the details in the Account CRR tab to activate the other tabs 17 ORACLE Account Details AC002 CRR Enquiry Search Criteria Customer Search String Account Number 06039050000104 Customer Information Customer ID 603905 Customer IC Customer CRR 51 Doubtful 1 Home Branch Account CRR CRR Movement 123456 Bank House Customer Name NELSON DSOUZA f ERR Details Account Number 06039050000104 Present CRR 51 51 Doubtful 1 Recalled Account Accrual Status Actual Date Of Classification 18 03 2008 r Loan Account Details Sanctioned Amount Disbursed Amount 0 00 Outstanding Bal E 0 00 Principal Arrears Interest Arrears Other Arrears CASA Account Details Limit Drawing Power Collateral Available Book Balance Current Balance Interest Arrears Other Arrears 0 00 0 00 10 074 845 09 9 866 769 78 Min Amount Due L o ME ok _ cose i cear Field Description Field Name Description CRR Details Account Number Display This field displays all the account numbers of the customer in case of Customer Based Search criterion In case of Account based search only that account number mentioned in the search criterion is displayed Recalled Account Optional
34. rom the pick list The end date should be greater than the override start date This field is enabled only if the Change Override dates check box is selected Optional Check Box Select the Exclude from CRR Equalization check box to maintain the exclusion period for the customer account Conditional Pick List dd mm yyyy Select the start date from which the account will be excluded from CRR equalization process from the pick list The start date should be greater than or equal to the current date This field is enabled only if the Exclude from Equalization check box is selected Conditional Pick List dd mm yyyy Select the end date up to which the account will be excluded from CRR equalization process from the pick list If the end date has expired the system will automatically remove the validity from the account and user can add new validity period The end date should be greater than the exclusion start date Using the Modify mode the user can modify this date if the current process date is less than the end date This field is enabled only if the Exclude from Equalization checkbox is selected 8 ORACLE ACO001 Account Classification Preferences Field Name Description Linked to Optional Check Box Customer Provisioning Provisioning Select the Linked to Customer check box if the account can affect or can be affected by the Customer CRR movement If the check box is selected then CRR of t
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36. s gt Classification gt CRR Enquiry 2 The system displays the CRR Enquiry screen 13 ORACLE AC002 CRR Enquiry CRR Enquiry Search Criteria Customer i Search String Account Number Customer Information Customer ID Customer IC Customer Name Customer CRR Home Branch Field Description Field Name Description Search Criteria Customer Optional Radio Button Drop Down Click Customer to view CRR details for a particular customer Select the search criteria to search for the customer from the drop down list The options are e Customer short name Short name of the customer e Customer IC Identification criteria arrived at by the bank during customer addition e Customer ID Unique identification given by the bank 14 ORACLE Field Name Search String Account Number Customer Information Customer ID Customer IC Customer Name AC002 CRR Enquiry Description Conditional Alphanumeric 20 Type the search string to search for a customer corresponding to the criteria selected in the Customer drop down list If the search criterion is specified as customers short name or Customer IC then any of the letter s of the short name or IC can be entered The system displays the pick list of all those customers having those letters in their respective criteria Select the appropriate customer from the existing customer list
37. s for Provisioning Claw back Claw back Option ACO001 Account Classification Preferences Description Conditional Drop Down Select the appropriate GL entries for provisioning parameter from the drop down list The options are e Yes e No The GL entries for Provision parameter will be the deciding factor for provisioning entries in either scenario Automatic or Manual If the GL entries flag is Yes the system will automatically pass the GL entries for the provision being made either by the system or by the user This field is disabled if the No Tracking option is selected in the Provisioning field Mandatory Drop Down Select the appropriate claw back option from the drop down list The options are e No Clawback e All outstandings e Current Financial Year The NPL Claw back parameter will determine whether the unrealized arrears should be moved to suspended buckets or not At the same time this parameter also decides whether to recover all arrears or only those that have been raised during the current financial year 10 ORACLE Field Name Arrears to Claw back ACO001 Account Classification Preferences Description Conditional Check Box Select the appropriate check boxes to determine the arrears to be claw backed on classification of an account as Suspended These fields are disabled if the No Clawback option is selected from the Claw back Option field The list o
38. s to Claw back Arrears v Penalty Arrears Other Arrears Post Maturity Interest Arrears SC Fee Arrears Record Details By Authorized By Last Mnt Date Last Mnt Action Authorized TOON SDON 25 06 2008 10 29 00 Authorize ok _ctose_ _clear_ Click the OK button 7 The system displays message Record Modified Authorisation Pending Click Ok to Continue Click the OK button 8 The account classification preferences details are modified once the record is authorised 12 ORACLE AC002 CRR Enquiry 1 2 AC002 CRR Enquiry FLEXCUBE enables classification of an account into one of the Credit Risk Ratings depending upon the performance of the asset The record with the lowest CRR Code numeric value will be treated as the best category and the one with the highest CRR code as the worst Using this option you can inquire about CRR movement and view the CRR Movement history The system provides information on present CRR new CRR the reason for the movement accrual status etc Definition Prerequisites e 8051 CASA Account Opening e AC001 Account Classification Preferences e LN057 Loan Direct Account Opening e SMMO6 Template Access Rights Maintenance Modes Available Not Applicable To maintain account classification 1 Type the fast path AC002 and click Go or navigate through the menus to Transaction Processing gt Internal Transaction
39. sing this option you can view the provisioning details of an account along with the history of provisioning You can also maintain manual provision for the accounts where the provisioning parameter is set to manual provisioning Definition Prerequisites e 8051 CASA Account Opening e LNO57 Loan Direct Account Opening e ACO001 Account Classification Preferences Modes Available Not Applicable To maintain account provision 1 Type the fast path AC003 and click Go or navigate through the menus to Transaction Processing gt Internal Transactions gt Classification gt Account Provision 2 The system displays the Account Provision screen Account Provision Account Provision Customer Based Search Criteria Customer Short Name Search String Customer IC Customer Id Home Branch Customer Full Name Customer CRR Accoun t Based Search Account Number Customer CRR Customer Id Home Branch o Accounts l l Account No Princ Bal Deduction Amount Balance Present CRR Expected Provision Account Provision Accounted Provision User Provision Account Status 24 ORACLE Field Description Field Name AC003 Account Provision Description Customer Based Search Search Criteria Search String Customer Ic Customer Id Home Branch Customer Full Name Mandatory Drop Down Select the search criteria to search for the customer from the drop down list
40. terion In case of Account based search only that account number mentioned in the search criterion is displayed Princ Bal Display Deduction Amount Balance This column displays the outstanding principal balance Display This column displays the total amount that is deducted as per the last collateral valuation Display This column displays the balance 28 ORACLE Column Name Present CRR Expected Provision Account Provision Accounted Provision User Provision Account Status AC003 Account Provision Description Display This column displays the current CRR Display This column displays the provision value corresponding to the account CRR Display This column displays the provision maintained at the account level The value will be the same as Expected Provision in case the Account Provisioning is set to Automatic Display This column displays the value of provision to an extent the GL entries have been passed at the account level If the GL entries for provisioning are maintained as Yes the value will be same as Account Provision Display This column displays the provision maintained manually by the user in the Provision Adjustment tab Display This column displays the status of the account 7 Click the details in the Accounts tab to activate the other tabs 29 ORACLE AC003 Account Provision Provision History Account Provision Customer Based S
41. the preference of an account has been changed during the life cycle of the account from Pass GL Entries to Do not pass GL entries then one can inquire on the amount that has been passed to the GL or the total provision done till date or both along with the re calculated running balance Column Name Description Date Display This column displays the date on which this provisioning was done Bal Book Display Princ Balance Incremental Provision Total Provision Bal UnColl Int Prov Initiated By Authorised By GL Entries This column displays the book balance Display This column displays the principal balance Display This column display the incremental provision Display This column displays the total provision Display This column displays the difference between the uncollected interest provided and the uncollected interest provisioning reversed Display This column displays the user who has initiated this provisioning In case the provisioning option is automatic then this column displays the user as SYSTEM Display This column displays the user who has authorized this provisioning In case the provisioning option is automatic then this column displays the user as SYSTEM Display This column displays the whether GL entries for this provisioning amount has been passed 31 ORACLE AC003 Account Provision Provision Adjustment t Provision Customer Based Search
42. ubtful 1 EQUALIZATION BY 06039050000011 SYSTEM SYSTEM Present CRR 51 51 Doubtful 1 Accrual Status 20 ORACLE Field Description Field Name AC002 CRR Enquiry Description Account Number Present CRR Accrual Status Column Name Display This field displays the account numbers In case of Customer Based Search criterion all the account number of that customer is displayed in this column In case of Account based search only that account number mentioned in the search criterion Display This field displays the current CRR of the account Display This field displays the current accrual status of the account Description Date Previous CRR New CRR Reason Initiated By Authorized By Display This column displays the date of updating the classification Display This column displays the CRR of the account prior to change on the corresponding date Display This column displays the new CRR of the new account on the corresponding date Display This column displays the reason for which the CRR was changed If the CRR is changed due to the CRR of FCC then this field will display the reason as FCC CIF Equalization Display This column displays the user who has initiated the CRR movement against each movement Display This column displays the user who authorised the transaction performed by the initiator 21 ORACLE AC002 CRR Enquiry
43. uthorisation required Do You Want to continue Click the Ok button The system displays the Authorization Reason screen Enter the required information and click the Ok button The system displays the message The account has been writtenoff Click the Ok button 38 ORACLE AC008 Provision Inquiry and Modification for Loans and Overdraft 1 5 AC008 Provision Inquiry and Modification for Loans and Overdraft Using this option you can view the details of the provisioning group rate provisioning base and the individual provisioning amounts for a selected CASA Loan account The fields Discounted Cash Flow of Credit and Discounted Collateral Value can be modified based on which the provision calculation will be made An External system will provide the data for calculation of the provision entries The data provided by the external system is account wise and that includes the Provisioning group Provisioning Sub group and Provisioning rate for the account The data is provided as and when there is a change in any of the parameters required for provisioning The Provision frequency is daily Provision is calculated from the date of account opening till the date of closure Provisioning and GL entries will be processed on daily basis when there is a change in any of the parameters or values The provision is always calculated in account currency In the case of commonly assessed group Liquidation Value LV will not be taken int
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