Home

Core Entities Version-1.0 9NT1438

1. Branch You can indicate whether only customer accounts in the current branch should be displayed or customer accounts across branches should be displayed Check this box to view customer accounts pertaining to the current branch Indicating whether to include Relationship While querying for the customer position you can choose to include all the accounts loans or deposits where the customer is not the primary holder To indicate this choose the check box Include Relationship The summary screen displays the customer number or primary holder of the account the customer s name and the relationship that the customer has with the account If you leave this box unchecked system will display the account details of primary account holder only 6 2 Linked Customer Check Linked Customer and provide Customer Number then click Query button to view all the Account Numbers of the customer and its linked customers Linked Account Check Linked Account and provide Account Number then click Query to view all account numbers of the customer of the account The displayed values are based on the query fields provided The following account balance details are displayed based on the query parameters provided e Account Number e Currency e Current Balance e Available Balance e Utilized Line Amount e Total Available Balance e Uncollected Funds e Amount Blocked e Tod Limit e Sublimit e Uncollected Funds Limit e Accru
2. Full Name Withholding Tax Unique Identifier Name Yalue Geographic Country Nationality Language Exposure Location Billing Hotice Number Of Days Mail Code Details Mail Code Mail Code Description Statement Date Communication External Reference Number Customer Category Customer Classification Exposure Category FX Netting Customer Tin validation Tin Format Mask Last Validated On IRS Customer Reporting Withholding Tax Limit ES C Netting of Notices across Accounts ES e a 000002747 a2 E a ED Type Status KYC STatus Media CIF Status Since KYC Reference Number NRA Certification Date NRA Re Certify Date Individual Corporate Bank C Frozen C Deceased _ WWhereabouts Unknown C Mark for Escheatment C CRM Customer C Mailers Required C CLS Participant C Issuer Customer C Treasury Customer C Joint Customer C m920 C Relationship Pricing C Statt Yet To Verity Group MIS Joint Recurring Transfer Linked Entities Text Fields Image CLS Restrictions MT920 Domestic Professional Issuer i OFAC Check Linked Account KYC Details Regulation HouseHold Code Change Log Maker Checker Date Time Date Time 2 2 1 1 Specifying Details of Customer Branch Code
3. Refer the chapter Maintaining Addresses for a Customer in the Messaging System User Manual for more details on maintaining customer addresses Swift Code You can choose to associate a SWIFT Code with the customer whose CIF details you are maintaining This code will be used to send all SWIFT related messages to the customer This is pertinent while creating CIF record for banks as customers Fax You can specify the Fax Number of the Customer whose CIF details you are maintaining This will be used for faxing the LC confirmation mail message copy to the Counterparty Delivery By Here you can specify the special handling code for customer communication The special handling code indicates the mode of handling of customer communication to both human users and also to other systems a ORACLE The following are some of the typical values used 0 No special handling required 1 Special handling required 2 Other special handling 3 Employee handling distribute at the bank 4 Canadian address 5 Mexican address 6 Other Foreign address 7 Other foreign address with special handling 8 Bank defined special handling o The Delivery By data helps in segregating messages while spooling of messages or handing off messages together As Delivery By forms a part of the spool file name all messages with the same Delivery By are spooled into one file storage location Similarly when mail messages are handed
4. ASD x Normal Status 111100004 B 131120002 Ex HO0000000 EB Hoooo0001 x CB0000001 Ex C5000001 E 1af 1 I All the parameters are defaulted here You can change the values if needed The following parameters are maintained Account You can maintain account details for your account here Branch Code The current branch code is defaulted here Account The system generates the account number maintained in the Main screen of Account Class Transfer 3 72 ORACLE Account Status You can maintain account status details for your account here Status The current account status is defaulted here You can select a valid account status from the adjoining option list if needed account class transfer is processed only if the account status is NORM Description The description of the account status is defaulted here GL Lines You can maintain the credit and debit details of the general ledger reporting lines for your account here Credit The GL code related to credit is defaulted here You can select a valid GL code from the adjoining option list if needed Debit The GL code related to debit is defaulted here You can select a valid GL code from the adjoining option list if needed HO Lines You can maintain the credit and debit details of the Head Office reporting lines for your account here Credit The line code rel
5. After you have entered the parameters for the query click the Query button The system fetches all the customers that fit the parameters and displays the following details in the pane in the middle of the screen e Customer Number e Customer Name e Branch code Required If you have not chosen to default the updated MIS values to all records then you need to check this option against each record that you want updated The following details are displayed for each record that you select e MIS this represents the field to be changed e Old Value this represents the existing value New Value You are required to enter the new value for the MIS field This is necessary if you have not checked the Default Value For All Customers option If you have checked the option you cannot change the value default here After entering the values when you save the record the system validates the values entered You can further process the records by querying it in the MIS Maintenance or Customer Summary screens 2 12 2 Processing MIS Update Maintenance ae ORACLE You can modify delete or authorize a record in the MIS Maintenance screen This screen also displays details of records that have been uploaded into the system For uploaded records you can perform only delete and authorize operations To invoke the MIS Maintenance screen type STDMIMNT in the field at the top right corner of the Application
6. If the Rebook Provision has not been set there is no reversal of the old provisioning amount and the differential provisioning entries are be passed as usual into the GLs maintained for the current status When there is a status change between two provisioning cycles the Rebook Provision option is set for the status with the higher sequence number For instance while moving from status NORM Normal to PDO1 Past Due Obligation the Rebook Provision option is set for the status PDO1 and while moving from PDO1 to NORM the Rebook Provision option is set for the status PDO1 again Sron If manual provisioning has been done the entries for the differential amount are passed or written back into the GLs associated with the NORM normal status 5 1 7 4 Maintaining Accounting Entries for Provisioning The computed provision amount is stored and displayed in the Amount Tab in the Customer Account Maintenance The current status and exposure category of the account is also stored along with the balances For account provisioning accounting entries are passed for the following e Changes in provisioning amount without status change e Reversal of provisioning amount as a result of status change Accounting Entries for Changes in Provision Amount without Change in Status The entries passed for new provisions or increase of provision amount Dr Expense GL Cr Provisioning GL Entries for decrease in provision amount Dr Provisioning GL
7. On On az _ Generate Interim Statement 4 b Branch Currency Restriction Customers Categories MIS Preferences REG Deposit Auto Deposit Status Rule Amt Block Statement Notice Redemption Details Maker Date Time Mod Number Record Status w Cancel Checker Date Time Authorization Status 7 Document Category Document Type Customer Category Customer Type Mandatory As part of specifying the account statement preferences you can indicate the following for each of the statements whether primary secondary or tertiary Type The first preference that you specify for each account class is to indicate whether the periodic generation an account statement is required If the generation of an account statement is necessary you have to specify the format in which it is to be generated The options available are e Detailed indicating that the statement should be a detailed account of all the customer transactions within the account class e Summary indicating that only a summary of the transaction details is enough ORACLE e None indicating that neither a summary nor a detailed account of transactions is required Cycle The system generates the account statement details at a frequency that you specify The frequency can be e Annual e Semi annual e Quarterly e Monthly e Fortnightly e Weekly e Daily If you indicate that the statement generation frequency
8. The summary screen will not be shown for contracts that do not belong to the current branch amp Corporate Deposits Contract Input Contract Reference User Reference Number i E Outstanding Amount Product Source Product Description k Contract Schedules Rollover Preferences Holiday Preferences Customer Amount Currency Interest Period Basis Include Frm Dt Local Currency Equivalent Settlement Details Credit Credit Account External Reference Debit f Debit Account Number Booking Date Liquidation Auto Tax Scheme Value Date Manual Remarks Original Start Date Rollover Yes Payment Method Cluster Id No Schedule Type size Maturity Date User Input Mat Date nange tog Stone naves merest Coes Ta Input By Date Time Authorized By Date Time Contrac poc1 For more details on the LD Contract Online screen please refer the Loans User Manual 6 2 4 Viewing Deposit Details You can view details of all Deposit contracts for the selected customer through the Customer Position screen Click the Deposits tab The deposit amount that appears is the consolidated amount grouped by Branch Product and Currency The screen appears as shown below Customer Information Query Customer Information Customer C Linked Customer C Current Branch Only Address C Relationship Customer ID Name Accounts Loans Deposits Deposits Details Branch Product Descri
9. Body of the Report Customer This is the number of the customer whose notification details Number are sent are being displayed Customer Name This is the name of the customer whose notification details are sent Customer Type This is the type of the customer Status of IRS This is the status of the IRS report generated Report Financial Year This is the financial year generated 8 8 IRS Form 5498 Oracle FLEXCUBE allows you to generate Form 5498 for reporting contributions to IRA plans for any year to the Internal Revenue Service IRS You can generate this report for e Filing with IRS authorities e Providing a copy to your customer e Keeping an internal copy for you 8 9 ORACLE You can generate Form 5498 either as part of initial filing with the IRS or after you have filed tax returns for that particular year 8 8 1 Generating Form 5498 as Part of Initial Filing During normal generation of Form 5498 as part of your initial filing with the IRS the system will include all transactions entered in the previous year for the previous year For example during normal generation of Form 5498 on say January 20 2003 all transactions entered during 2002 and pertaining to the financial year 2002 will be reported 8 8 2 Generating Form 5498 after Tax Filing During corrected generation post the date of tax filing the system will include apart from all the transactions included in normal generation such transactions which
10. Enter the statement date Communication Enter the communication related remarks if any In case of multiple accounts for a customer a single mail code will be attached across all the accounts belonging to the customer id Media Specify the communication media used Delivery By Specify how the delivery is being made The adjoining option list displays all valid codes along with their description as maintained in the system You can choose the appropriate one Delivery By may indicate the special handling codes taken from the Main maintenance Once you have entered the address using the above fields you must specify the period s date range during the year when the entered address is valid for communication The period s is maintained under Date Ranges You can specify more than one date range for the entered address However you cannot have multiple addresses for the same period date range The address and date ranges maintained here will show up in the Customer Address Screen as well Date Ranges Here you can specify the period s during which the entered address is valid Click to add a row under date range In each row you can specify a period using the following fields e From Month and From Day e To Month and To Day To maintain another address for the customer click at the top right corner Maintained addresses can be deleted by clicking Use L and to navigate between multiple addresses
11. For more details on the LD Contract Online screen please refer the user manual for Deposits 6 2 5 Viewing FX Details You can view details of all FX contracts for the selected customer through the Customer Position screen The entries are the consolidated amounts for contracts grouped by product branch and currency Double clicking a record displays the summary screen for that record and double clicking further displays the contract details screen for that record Click the FX tab The screen appears as shown below Customer Information Query Customer Information Customer E Linked Customer C Current Branch Only Address _ Relationship Query Customer Relation Customer ID Name Accounts Loans Deposits FX FT Foreign Exchange Details Branch Product Description Balance Debit Credit Indicator Currency From Date Transaction Date To Date Value Date 6 9 Here the FX bought amount is displayed as Debit Balance and the FX sold amount is displayed as Credit Account Double clicking a record in the Customer Position screen displays the corresponding FX Contract Summary screen Double clicking a record in the FX Contract Summary screen displays the corresponding FX Contract Detail screen comprising the transaction details 6 2 6 Viewing FT Details You can view details of all FT contracts for the selected customer through the Customer Pos
12. e Financial standing classification Status for the CIF If status processing for your branch is being done at Group CIF level as specified in the Branch Parameters the current status assigned to all loans issued to the CIF as well as all overdraft accounts belonging to the CIF is displayed in the CIF Status field in the Customer Maintenance screen This status is the worst status of all loans contracts and overdraft accounts for a Group CIF and is displayed both at the account as well as the loan level for all the accounts and loans a customer has in the current branch The update applies only to the accounts and loans in the current branch not across branches The date since which the loans issued to the CIF as well as the customer accounts belonging to the CIF with outstanding overdrafts moved into the current status is also displayed Sron Note the following e The status change maintenance and movement change should be similarly set up for all loan products and accounts If it is not the same across all loan products then the worst status update will not happen for the dissimilar products ae ORACLE e Status change update is done only for accounts where the movement type selected is either Auto or Both and is done by the status change batch which will be run after the CL batch The status change batch uses the worst status derived by the CL batch for the update For details about loan status processing and provision
13. 25 BGN 600 If the risk free collateral is BGN 100 the provision amount 800 600 100 100 Retail Customers with Exposure Less than BGN 5000 The expression used for this category could be PA OD RFC x PP where PA Provisioning Amount OD Outstanding Overdraft Amount Principal Overdue Interest RFC Risk free Collateral PP Provisioning Percentage The provisioning percentage could be computed as shown Status Provisioning Percentage The provisioning would be done for individual accounts as shown above 5 1 7 3 Specifying Rebooking Provision Entries In the Status Details function you can indicate whether provisioning entries for an account must be rebooked when provisioning is done after an automatic status change for the account Rebooking essentially means that fresh provisioning is done after reversing the previous provisioning amount The provisioning batch process when executed not only computes the provisioning amount it also records the current status of the account and checks whether the current status is different from the status that was prevalent when the process was previously executed If so the old provisioning amount is written back into the write back GL of the old status if the Rebook Provision option has been set in the Status Details and the entries for the new provisioning amount are booked into the provisioning GLs maintained for the current status in the Status Details
14. 8 1 ORACLE Body of the Report Customer The CIF Number full Name and mailing address of the Information customer as recorded in the CIF Maintenance screen Plan Number The reference number of the plan involving the transaction Plan Type The plan type involving the plan Period of the statement The period for which you are generating the statement Statement The statement number of the statement Number Plan Balances Transaction Information The balances in the plan at the beginning and end of statement period Current and Previous Years Note The current balance is reflected for the current year and the year ending balance after considering contributions and distributions done during the current year for the previous year for the previous year Total Contributions Excess Contributions Total Distributions Total Employer Contributions where applicable Excess Employer Contributions Transaction type Contributions Distributions Monetary Account Interest Transaction Reference Number Amount and Currency Transaction Year Monetary Account Breakup Account Branch Account Currency Amount and Currency Withholding Tax information where applicable Tax Withheld Amount and Currency Transaction Remark if any Plan Balance after the transaction current and previous year balances Transactions are sequenced in the manner in which they were processed in the system 8 2 ORACLE 8 3 Mini
15. 999999999 not allowed but 000000000 would be allowed if missing customer type was used with missing TIN 123456789 and 987654321 not allowed All repeating numbers not allowed i e 333333333 Full number cannot be less than 1000000 if dashes are included in addition to numbers format must be 999 99 9999 2 2 2 9 EIN Validation 2 2 2 10 2 2 2 11 All the digits to be number and length should be equal to 9 999999999 not allowed but 000000000 would be allowed if missing customer type was used with missing TIN 123456789 and 987654321 not allowed All repeating numbers not allowed i e 333333333 If dashes are included in addition to numbers format must be 99 9999999 ITIN Validation All the digits to be number and length should be equal to 9 999999999 not allowed but 000000000 would be allowed if missing customer type was used with missing TIN Always begins with the number 9 and has a 7 or 8 in the fourth digit example 9XX 7X XXXX ATIN Validation All the digits to be number and length should be equal to 9 999999999 not allowed but 000000000 would be allowed if missing customer type was used with missing TIN Always begins with the number 9 and has a 93 in the fourth and fifth position example 9XX 93 XXXX oe ORACLE TIN Type This should be defaulted through customer group selection TIN SSN Certification Indicator The TIN Certification Indicator indicates whether the SSN or TIN of the customer is cer
16. Advance Interest Check this field to levy the advance interest on the account class oe ORACLE Note the following e The customer of the account class is liable to pay this interest in case he she fails to provide the required notice to the bank e The system deducts the advance interest from the credit Interest earned by the customer of the account class on his her credit balance in the account Monthly Free Amount Specify the amount that a customer of the account class can withdraw per calendar month from his her savings account without being liable to pay advance interest Notice Days Specify the number of days before which a customer of the account class should notify the bank if he she wants to withdraw an amount more than the Free Amount from his her account Validity Period Specify the notice validity period in number of days During this period a customer of the account class can do the withdrawal of the amount for which he she notified the bank 3 2 28 Maintaining Redemption Details You can maintain redemption details for the accounts associated with an account class using Redemption Details screen To invoke this screen click Redemption Details button on the Account Class Maintenance screen Redemption Details Account Class Redemption Details Redemption Penalty Options Principal is allowed _ Waive penalty 1 Interest is allowed Waive penalty for interest redeposit ti
17. Customer Name Relation Customer Customer Name Input By DOCS Date Time Modification Number Authorised Authorised By Date Time B open In the above screen you may specify the linkage between any of the following e Two customers e Customer and account e Customer Account and others as described in the text field Category Based on the linkage relationship to be specified here select one of the following linkage types e Customer Customer e Customer Account e Customer Others e Account Customer oe ORACLE e Account Others Depending on the category chosen above the fields in which are enabled for you vary These fields are explained below e Customer Customer On selecting this category you may specify the customer numbers CIFs in the fields Customer1 and Customerz2 e Customer Account On selecting this category you may specify the customer number and account number in the respective fields e Customer Others On selecting this category you may specify the customer number in the Customer field and describe Others in the free text field e Account Customer On selecting this category you may specify the Account numbers and Customer number in their respective fields e Account Others On selecting this category you may specify the account number in the Account field and describe Others in the free text field Relation Specify the type of relationship that exists betwe
18. Description Category Customer Selection Indicator Allowed Disallowed Customer Categories d Customer Catageory Ok Cancel In this screen you define the following e A list of allowed or disallowed customer categories e A list of disallowed customers if any under the allowed category For an account class you need to specify the customer categories that should be linked to it and also customers within a category who should not be allowed to be linked to this account class Example Requirement You are capturing the features of a Nostro account class called NostroLCY you would like to e Associate the customer category called Banks with NostroLCY e Disallow a customer called Midas Bank associated with the customer category called Banks from using the features of this class e Grant your customer Morgan Stanley linked to the customer category called Financial Institutions all rights associated with NostroLCY 3 44 ORACLE Procedure In the Selection Indicator field click on Allowed since your allowed list is smaller and therefore easier to indicate 1 Highlight and select the Customer Categories called Banks and Financial Institutions in the Available Categories list and click the adjoining arrow 2 Next highlight Financial Institutions and click adjoining arrow against Customers It will display the entire list of customer accounts maintained under the customer category Financial Institution
19. e If you indicate that the report should be generated for a specific Currency and fail to specify the Currency the report will contain details of all currencies Similarly if you indicate that the report should be generated for a specific Customer and fail to identify the customer the report will be generated for all customers 8 14 1 Contents of the Report The report options that you selected while generating the report are printed at the beginning of the report The contents of the report are discussed below Body of the Report Counterparty This is the name of the counterparty whose netted contract details are being displayed 8 16 ORACLE Counterparty This is the name of the counterparty whose netted contract details are being displayed Contract Reference This is the reference number of the contract which was Number netted Component This is the name of the component Amount Tag involved in the transaction This is the amount for which the particular entry was passed Account Due This is the account to which the netted amount is either debited credited 8 15 Transaction with Affiliates Report This report generates online report related transaction with the affiliates using Transaction With Affiliates Report screen You can invoke this screen by typing STRTRAFL in the field at the top right corner of the Application tool bar and click on the adjoining arrow button Transaction with Affiliates
20. Cr Reintegration GL Accounting entries for change in status with without changes in provision Amount and with the Rebook Provision option applicable In this case the existing entries are reversed into a reintegration GL and new provisioning entries are booked provided the Rebook Provision on Status Change option has been set for the new status of the account In this case the following entries would be passed For reversal of provision amount Dr Provisioning GL Cr Reintegration GL For booking of new provision amount Dr Expense GL Cr Provisioning GL 6 Customer Information Query 6 1 Introduction You can access the following information through the Customer Information Query screen Customer Limits specifically relating to Overdraft Limits on Current Accounts and Foreign Exchange Exposure Limits Details relating to a Customer Account Facility to query for Account statement Facility to view future settlement balance contracts Facility to view Asset and Liability Balances of the customer Facility to view summary of Collaterals and Account Details 6 2 Invoking Customer Position Screen Invoke the Customer Information Query screen by typing ACDSCPQR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Information Query Customer Information AOCrEss Customer EH E Linked Customer C Current Branch Only C Relationshi
21. Domicile City Enter the city of domicile here Domicile State Specify the state of domicile by selecting it from the list available here The states are listed in their two character code format as maintained in the State Name Maintenance screen Domicile Zip Specify the Zip code of the customer s domicile here If you have not specified the City and State on selecting the Zip Code the corresponding City and State will appear in the respective fields Permanent Address Lines 1 2 and 3 Specify the permanent address of the customer Three lines have been provided for this purpose You can capture a maximum of 35 characters alphanumeric in each line Only characters specified in SWIFT standards are permissible Permanent Country Specify the country for the permanent address of the customer A list of all country codes maintained in the Country Codes Maintenance screen is available in the option list You can select the appropriate code On selecting the country code the country name appears If the country code selected is US then the country name will not appear and will not be included as part of the address Only non US country names are included in the address Permanent City Enter the city here ee ORACLE 2 2 9 Permanent State Specify the state by selecting it from the list available here The states are listed in their two character code format as maintained in the State Name Maintenanc
22. Mod Number Record Status Authorization Status The system defaults the branch code from the current branch Customer Number The customer code is the code you assign to identify a customer It is referred to as the customer Cancel CIF Number This code should be unique across branches It can be 9 characters long 2 2 ORACLE Example Assign a code using a maximum of 9 characters alphanumeric For example assume your customer is DOW Corporation US You can assign him a code which could either be a number representing the customer s serial number or an alphabetic code like DowCorp or an alphanumeric code like Dow1000US or DowUS1000 1000DowUS if he is the 1000th customer to approach your bank Short Name Along with the Customer Code you have to capture the customer s abbreviated name The description that you capture is unique for each customer It helps in conducting a quick alpha search or generating queries regarding the customer Enter the abbreviated name of the customer using a maximum of 20 characters alphanumeric Taking the same example assume your customer is DOW Corporation Its short name could be DOWCORP At the time of processing of transactions and in any activity which requires entry of the customer identification in addition to the customer code the short name of the customer that you enter here will be available in the options list from which the customer is selected Liability
23. Retail Loans that has mortgages 2 0 RM as collateral Retail Consumer Other than the above 1 5 RC Provisioning for Impairment Losses Impairment losses include loans that are not in the Regular status The provision amount computation could be done as follows according to the following categories All Corporate customers regardless of exposure and Retail customers with exposure exceeding BGN 5000 The expression used for this category could be PA BVE RV RFC x PP Where PA Provisioning Amount BVE Balance Value of Risk Exposure Outstanding Overdraft amount which is Principal Balance Overdue Interest RFC Risk free Collateral RV Recoverable Value PP Provisioning Percentage The recoverable value could be computed by applying the discount percentage to the balance expected cash flow as shown Substandard 50 Loss 100 100 The resultant amount could be discounted using the overdraft interest rate For loans in status LOSS the recoverable value is zero An example for the provision amount calculation for accounts in impairment loss For an account in respect of which the balance value of exposure is BGN 700 and the balance overdue interest is BGN 100 the outstanding overdraft amount 700 100 BGN 800 If the account is in WATCH status the applicable discount or loss percentage for the account is 25 Therefore the recoverable value of the exposure 800 800
24. You can maintain Domestic Details regarding the customer in the Customer Domestic Details screen Click Domestic button in the Personal Details screen The Customer Domestic Details screen is displayed Customer Domestic Details Martalstaus marea spousename i Spouse Employement Status Full time Permanent l Educational Status Mon Student wt Emiecoss fo Dependents Aceomodaton otus emaren OO O S S y omes Fd In this screen you can capture the following details for each individual type of customer Marital Status Indicate the marital status of the customer here You may select one of the following from the list available here e Single e Married e Divorced e Widow Widower e Head of Household e Free Agent Community property states e Not applicable Unknown e Does not apply Corporate or business customer Spouse Name Specify the name of the customer s spouse Spouse Employment Status Indicate the employment status of the customer s spouse You may select one of the following from the drop down list available here e Full Time Permanent ao ORACLE Full Time Temporary Self Employed Unemployed Retired Pensioned Part Time Retired Non pensioned Part Time Retired non pensioned Other Educational Status Specify the educational status of a customer Under Graduate Graduate Post Graduate and Non student If the customer has received no formal education select Non s
25. You can store this information either as text documents or as plain text Through this you can capture user defined fields Through this screen you can capture the photograph of the customer whose details you are maintaining You will be allowed to access this screen only if you have the requisite access rights i e you may have rights to access the CIF screen but not view the photograph of the customer Through this button you can view modify add define the liability details of a customer provided you have been assigned the necessary rights This button appears enabled only if the function Id LMTCURES has been added to your User Role If this Function Id has not been added to your User Role the button will appear disabled In case of a CLS participant you can capture CLS currency restrictions Through this screen you can specify MT920 preferences ca ORACLE Through this screen you can capture domestic details of the customer Professional Through this screen you can capture professional details of the customer ae In case of an issuer customer you can capture issuer details Cards Through this screen you can view cards details of the customer OFAC Check Through this button you can call the OFAC service and view the response from the OFAC system ne Detalls This button invokes the KYC Details screen where you can view the KYC details of the customer pe This button invokes the Regulation screen where you c
26. You must specify a customer code provide a description and ID for the relationship Customer Select the customer code from the option list You can link any number of customers to the primary holder the customer for whom you are capturing the CIF details through this screen by establishing a relationship between the two customers Description In this field the system displays the name of customer that you have selected in the previous field You cannot change this description aor ORACLE Relationship You have to choose a relationship code to establish a relationship between the customer being selected and the customer primary holder you are maintaining By default the system will select the customer of the account as the Primary Holder This is a pre shipped relationship and you will not be allowed to change the relationship Include Relationship When you specify the relationship of the customer you can also choose to default the same preference to the customer account maintenance for the specified customer by checking the Include Relationship box Also specifying this option at the customer maintenance level will inherit all the properties of the customer relationship to the counterparty of the loan deposit during the contract input 2 11 3 Maintaining Risk Category for Customers In order to support risk weighted risk tracking you will have to maintain risk details for Customers You can maintain differe
27. Your bank may wish to set up certain guidelines according to which provision must be made for outstanding overdrafts on customer accounts For instance it may be necessary to set the provisioning amount for an account in respect of which there is an outstanding overdraft based on the status of the account as well as the financial standing of the customers You might also wish to include exposure due to loans issued to a customer as well as total outstanding overdraft in all accounts of a customer or a group of customers as a whole and assign the status of all loans issued to the group as well as all accounts under a group as the worst status among all loans and accounts belonging to the group This chapter explains how you can use the system to perform the processes related to provisioning for customer accounts In order to maintain provisioning guidelines you must e Specify whether you wish to track the status of customer accounts and loan contracts at a customer group CIF level or at the level of individual contracts or accounts for your branch e Setup the categories under which you wish track exposure and specify the provisioning percentages for each exposure category type e Maintain the logic according to which the exposure category would be arrived at based on the customer type and the amount limits applicable for each customer type e Set up classifications for considering the financial standing of customers for the pu
28. deleted 3 4 7 Maintaining Location Details While maintaining Customer Information details through the CIF Maintenance screen in addition to indicating the name of the country in which your customer resides you can also choose to specify the name of the region or locality where your customer stays For instance Silas Marner a customer of your bank is a Londoner Great Britain is his country of residence He lives in the northern part of London therefore North London becomes the location where he resides Location codes along with a brief description of the locality can be maintained through the Location Details maintenance screen Invoke the Location Maintenance screen by typing STDCULOC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Location Maintenance Location Code Description Input By DOC4 Date Time Modification Number authorized Authorized By Date Time v open Location Code You can capture a unique three character code to identify the locality where the customer resides While maintaining customer information details and associating a location code with a Customer and Country Code combination a list of all the valid location codes you have maintained in this screen will be available in the option list for the Location Code field You can select the appropriate code A ORACLE Description You can also associate a brief descri
29. maintained in the system Type of Company Specify the type of the company The adjoining option list displays all valid company types maintained in the system You can choose the appropriate one Others If you wish to provide additional information on customer and sponsors use this field KYC Amounts Currency Specify the currency in which KYC amount is maintained Reason of Account You can specify the reasons for opening the account in the following fields Purpose of Account Opening Specify the reason for opening an account The adjoining option list maintains all valid reasons maintained in the system You can choose the appropriate one Others If you wish to provide additional information and reasons use this field Nature of Business You can specify the nature of business in the following fields Nature of Business Specify the nature of business The adjoining option list displays all valid businesses maintained in the system You can choose the appropriate one cove ORACLE Product Traded Specify the name and details of the product traded during the course of the business Main Source of Funds Specify the main source of funds Borrowing Account Group Specify the borrowing account group Annual Turnover Specify the annual turnover of the company Details of Key Person You can specify the details of the key person in the following fields KYC ID Specify a unique identification for the
30. maintained in the system Select the appropriate one In case you wish to query for a set of customers you can partially enter the customer number accompanied by a For instance if you wish to get details for all customers beginning with ABC type ABC in this field The system will provide you with details for all customers with IDs beginning with ABC You can also enter a series of customer numbers if you wish to update only certain customer records If so you need to separate each number using a comma Customer Category Specify the customer category The adjoining option list contains all the relevant customer categories Select the appropriate one Type Specify the customer type You have the following options e Bank e _ Individual e Corporate aae ORACLE User Ref Number The system displays the user reference number You can change it if required Reference Number The system generates and displays a unique reference number for every bulk update Default Value For All Customers Check this option to indicate that the value entered for the first record in the query result should be default to all the other records that satisfy the query If you leave it unchecked you will have to indicate the records and the values that should be updated MIS Class Specify the MIS field for which the update should be done MIS Code Specify the MIS value for which you the update should be done
31. 1 Viewing the Document Delivery Mode Preferences oooceeneeeeeeeeeeesssssssrrsrrrrrrrrrrrrrrrrrrrrrn 3 54 3 4 2 Maintaining Account Class Transfer oeeeeeeeeeeennnnnnnnnnnnnnerrrrrrrrrrrrrrrrrrrrrrrrrrrrrerrrrrrrrrrrrrrrrrerrrerereens 3 56 3 4 3 P rocossino Account Class TOI saat capa ER E E E E 3 74 3 4 4 ViCWINe ACCOUME CLASS Trans Poar tasteudaees 3 75 3 4 5 M ES INVOLV OR ss tas erste era ce stee De isso EA EE A He pe 3 76 3 4 6 Maintaining Customer Instruction Details ccccccccccccccccc cece cece cece E EERE EEE 3 78 3 4 7 Mamiainino O18 6100109 2101 ee oe ee ee ee ee ee ee eee eee ee ee eet ee eee 3 81 3 4 8 Capturing Algorithm Details in Oracle FLEXCUBE u ccccccccccccccecec cece eee teeeeteeeeeeeeeaaaaaaas 3 82 3 4 9 Maintaining Turnover Limits ccccccccccccccccccccccc cece see ee cece eee ee eee e ee EEE EEE EE EEE EEE E EEA EEEE EEE E EEE EAA EEE EEE EEE E EEE 3 84 33 MAINTAINING DEPOSITS INSTRUCTIONS ce ctees tuespatecedensaecteccansecestntseqsedenednpterdiecstaciaaerigtocancSseneacceniaatarea 3 86 PROCESSING REFERRALS IN ORACLE FLEXCUBE sssssssssssssssssssssssssssssesssssssssssssossoosocesecocosseoossooo 4 1 4 1 IEO Os MU 0 x eee eran eee aner arnarry E ree AE E re ee ee eer ee ee 4 1 4 1 1 Maintenance Required for Referral Processing oeeeeeeeeeeennnnnnnnnnnnnnnrrrrrrrrrrrrrrrrrrrrrrrrrrsrrsssrrrssse 4 3 PROVISIONING FOR CUSTOMER ACCOUNTS sssssssssssssssssssssssssssssososssssssssssssssssssssssosssosssesss
32. 26 ORACLE Customer Maintenance Customer Number Full Name Type Individual Short Name Corporate Branch Code 000 Bank Main Auxiliary BigiesteElg Corporate Director Withholding Tax Prefix Legal Guardian Domicile Address Prefix 1 Date Of Birth Line 1 ai Prefix 2 ai Guardian Line 2 Prefix 3 _ Beneficiary Minor Line 3 Suffix Submit Age Proof Not Required vi City State Resident Status Resident Non Resident Zip Middle Country First Last Male Country Name Female Telephone Passport Details ph National ID Passport Number Fax lssue Date E mail Expiry Date Mobile Number Permanent Address Line 1 Line 2 Line 3 City State Zip Country Country Name Group mis Joint Recurring Transfer Linked Entities CLS Restrictions MT920 Domestic Professional Issuer Caros OFAC Check Linked Account KYC Details Regulation HouseHold Code Change Log Maker Date Time Record Status Cancel Checker Date Time Authorization Status In this screen you can maintain generic personal details of a customer In addition you can also maintain the domestic and professional details of the individual type customer You can do this by invoking the relev
33. 3 6 3 1 COMICS OF TICINO OVE ar soins tasers oti asuacd av eatacisediacssticotueasglgade vt yeatussegdbacsstseetuessedoneasetbanpadeastavaseemenieet 8 3 ORACLE 8 4 CHP PAD ICER T eee ene A ee eee ae 8 3 8 4 1 CONTEHISO 12 COVE E si sadssauseasee as dacae ene edee amen ate aes 8 3 8 5 1099 1042 5 CUSTOMER REPORT srccscesapzesesstvtsenostacandontncs einnar iei ae aaeain eaei eiaa bi deana iraid iaiia 8 4 6 5 1 COR O UIE TCO osaera EE I E E acess 8 5 8 6 LIST OF CUSTOMERS SSN TIN NOT CERTIFIED REPORT ccccsssssecceeessnneeceeseseeeeeeeseaeeeeeeseaeeeeeeeeaneeees 8 6 8 6 2 CONT CHES OF TS CI OV aise sca a cece ssa seca t soa ses casas ence ae ee eo 8 7 8 CUSTOMER NOTIFICATION REPORT pesos ecee arcades oso cacye onto eaee iadan ai nai niea aeni ia aaa iieiaei 8 8 8 7 1 COn Of I CIE oe a ae cena cea at cba se cesses ee E ene 8 9 MR FORM assoc ev caste nan E A E E 8 9 6 8 1 Generating Form 5498 as Part of Initial Filing ccccccccccccceeeeeeeeeeeeeeeeeeeeeeeeeeeeeseninsaesaaaaesaaeeees 8 10 8 8 2 Generating Form 5498 after Tax Filing issssiisicincoesctdcoeai eoneronsdominae uence lomncieuee 8 10 8 8 3 Details printed On Form 5498 0 ccc cece 8 10 8 9 IRS FORM 1099 R wo ccccccsssscceeeeessessneeeeeeeseeeseeeeeeeeeseessaeeeeeeesseeseeeeeeeeseeessaeeeeeeeseeessseeeeseesseeenaaeseeeeeegs 8 10 8 9 1 Generating Form 1099 R as Part of Initial Fuiling cccccccccccccceec cee eceeteeeceee ee eeeeeeeeeeseasasasaaaaaeeeeeeeees 8 1
34. 8 Status If accounting entries have not been passed Resulting Action Accept the accounting entries are passed and the IC Charge counter is updated Reject No resulting action If you have not performed any action on the contract the transaction is resubmitted for processing the next day Standing Instructions Sl Standing instructions are sent to Queue when sufficient funds are not available in the customer s account Status lf accounting entries have not been passed Resulting Action Accept the accounting entries are passed and the IC Charge counter is updated Reject No resulting action Payments and Collections PC If you have enabled the Override Overdraft option as a preference while defining Outgoing Payments or Incoming Collection products the transactions involving the products will be processed regardless of the overdraft status Else such transactions will be sent to the Credit Exception queue and to the Referral queue as well Upon Accepting or Rejecting a transaction in the Referral Queue these transactions are processed in the same manner as any other transaction in the Credit Exception queue For further details refer to the processing transactions in the Credit Exception Queue refer to the Processing Credit Exceptions section in the Processing a Payment or Collection Transaction chapter of the Payment and Collections manual Clearing CG Transactions If the fund available in the customer ac
35. Account Description Transaction Details E Contract Reference Number Module Code Transaction Code Ewent Code Transaction Date Value Date Debit Credit Foreign t Double clicking on an accounting entry in this screen displays the corresponding contract input screen Click Query button if you wish to query for any particular accounting entry Click Log Error button if you wish to log the electronic fund transfer EFT or check 21 errors The Check 21 Claim Logging screen will be displayed 6 15 Check 21 Claim Logging Leg Reference No Transaction Type Customer Details Customer ID Account No Error Details Reason Transaction Details Txn Ref No Cheque No Ac Ccy Booking Date Val Reporting Date Value Date Txn Amount Current Event Code Disputed Amount In this screen you can only enter the disputed amount All the other details will be displayed automatically The reference number and reporting date will be displayed when you save the record by clicking OK You need to authorize the record in the Check 21 Claim Logging Summary screen For more information on screen refer the section Logging Claims in the chapter Logging EF T Check 21 Claims of Core Services User Manual For banks that operate in single currency a different screen has been provided in FLEXCUBE for accounting entry retrieval To invoke the screen type in ACDBIRAD in th
36. Amount and Currency Specify the minimum transaction amount for the debit transaction which is eligible for reporting in the interim statement This amount should be qualified by a currency The amount for the corresponding account currency will be defaulted from here while opening the account Minimum Credit Amount and Currency Specify the minimum transaction amount for the credit transaction which is eligible for reporting in the interim statement This amount should be qualified by a currency The amount for the corresponding account currency will be defaulted from here while opening the account Generate Balance To indicate that accounts under certain account classes are to be considered for generation of their balance messages check this box The valid values for this action are Y and N Of Select the mode of message for balance generation form the option list Report Transaction Since This is a list of all the transactions the accounts under a class have undergone in the interval of balance messages generated for the accounts under the respective classes You can choose the appropriate values applicable e Previous MT940 This indicates all transactions posted and authorized since the issue of a previous MT 940 in the current balance report e Previous MT941 This indicates all transactions posted and authorized since the issue of a previous MT 941 in the current balance report e Previous MT950 This indicates all transac
37. Books for all accounts reporting to a specific account class However you have the option of changing your preferences at the account level also To facilitate automatic reordering of Check Books you have to maintain the following details Check Book To indicate that automatic reordering of Check books should be allowed and for specifying the details for the same you have to check this option If not selected you will not be able to maintain the automatic reordering preferences for the account class Auto Reorder of Check Book You have to select this option to specify that automatic reordering of Check Books is required for all accounts reporting to this account class This field will be enabled only if you have checked the Check Book option explained above Reorder Level Here you have to indicate the level at which the reordering of Check Book should happen Automatic reordering will be set off by the system when the unused number of Check leaves becomes equal to or less than the re order level that you maintain here This field will be enabled only if you have indicated that automatic reordering of Check Books is required i e the Auto Reorder of Check Book option is checked Reorder No of Leaves In this field you have to specify the number of leaves that should be ordered for the new Check Book This field will be enabled only if you have checked the Auto Reorder of Check Book option Max No of Check Reject
38. Communication addresses for a customer must be maintained for the entire year using multiple date ranges This means that the date ranges maintained across various addresses for a customer should together form a year s period oe ORACLE The maintained multiple address with their corresponding date ranges will be carried over for the subsequent years You may change the maintained details upon customer request During account statement generation for the customer the mailing address used will be based on the address maintenance if any for the corresponding date Example Two addresses are maintained for Customer1 with the date ranges as Jan 01 to Jun 30 for Address1 and Jul 01 to Dec 31 for Address2 If the account statement is generated on Sep 25 then Address2 will be considered for correspondence If the statement is generated on Jan 30 then Address1 will be taken for correspondence 2 4 Maintaining State Codes You can maintain the names of various states in your country in the State Maintenance screen The states maintained here will be listed for your selection when maintaining customer address details You can invoke the State Maintenance screen by typing CSDSTMNT in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button gt State Maintenance State Code Maker Date Time Mod Checker Date Time Record Status Authorization Status In the a
39. Document Category ype Mandatory D ae E ID rumba v ADORESSPROOF PASSPORT a ENTITY DRIVING LICENSE veraden z ae Wod No Checker SEN SI Authorization Status __ Based on the details maintained for the customer type and customer category at Document Checklist Maintenance Screen system will default the document checklist details on to this Documents subscreen System allows you to edit the following details in this screen ID number This is the unique identification number of the document oe ORACLE 2 3 9 Issue date This is the issue date of the document Expiry date This is the expiry date of the document Checked Check this box if the document is received System will provide an appropriate override that will allow customer creation even if a mandatory document is not submitted Remarks It is a free text field wherein you can write remarks on documents if any Note the following e lf there is no document checklist maintained under document checklist maintenance for the combination of customer type and customer category system will not default any of the document details in the customer maintenance Documents subscreen For details on document maintenance please refer the Maintaining KYC Document Checklist section under the Maintaining Mandatory Information chapter in this user manual Linking House Hold Codes to Customers You can link the household codes to a
40. EA iaa 2 17 2 2 5 Capturing Details for a Corporate Customer cccc cece cece aaa aaa aaa 2 22 2 26 Speci vine Details Imn Direcior TAD viscissecscuesstrenesssersachsp reams EEn EEE EAE EEAS AEEA INEA E 2 24 22 7 Specifying Details in Withholding Tax Tab ooeeeeeeeeeeesesssssssssssssssessseseseessesrrrrrrrrrrrrren 2 25 2 2 8 Maintaining Personal Details of Individual Customers ceeeeeeeeeeeennnnnnnnnnrrnrrrrrrrrrrrrrrrsnerrrersnee 2 26 2 2 9 Maintaining Domestic Details of Individual Customer 1aannnnnnnnnnnnnennnnnnnnnnnnsnnessesennnnsrseseeeeee 2 30 2 2 10 Maintaining Mail Code Details Of the Customers ntccccscsivanetentnaubucotuemataaceiuetvaeetansuaseeseiiaeetacteckeosaiees 2 33 2 2 11 Maintaining Professional Details of Individual Customers 10000000000nnnnnnnnnnnnnnnnnnnnnnnnnnnneeeeaae 2 35 2 3 MAINTAINING LEGAL TITLE ABBREVIATION ssssseesesssssesreesssssssereessssseteeeessseseteeessesreeeessssesteeeesssesereeeess 2 37 2 3 1 Capone UDF Values Jor CUSTOMETS esiseina enren Erra EEn EEEE aa a a 2 38 2 3 2 Specia Ca Om OTOU A a a aE EE Ea ONEEN Eaa Ea OEO EEE 2 38 2 3 3 Other BaASIC Customer IPJOrmA ON sseeisir serino etninen EEEa EEEE sad Mien EEEN EEE EREET EEEE 2 40 2 3 4 Viewing Debil Card Deldi ISen a 2 42 23 3 Viewing OFAC Check RES PONS C vassscpineicncrararaaasianiaeapsnanesanssacneansaawniaainanmmaancwmaniheaneaplnaueaelnarweaaceass 2 44 2 3 6 Foe INO ID OLAS scctsacersatcers zadausant tacom
41. Financial Year Specify the financial year of transaction The option list displays all valid financial years maintained in the IRS Repository Choose the appropriate one IRS Customer Group The system displays the IRS customer group here 8 4 ORACLE Depending on the IRS customer group displayed with the following given conditions the system will generate reports e 1099 INT This is used to report interest income earned on an account as well as on Taxes withheld and penalties The system has to report IRS by 28 of February every year if the amounts are equal to or greater than 10 Also a statement must be sent to the recipient of the income by 31January every year e 1099 OID This is used to report accrued interest on CD accounts current account with maturities greater than one year where the interest is not paid until maturity date The system has to report IRS by 28 of February of following year if the amounts are equal to or greater than 10 followed by the year the interest income Also a statement must be sent to the recipient of the income by 31January every year e 1042 S This is used to report interest income for a Canadian individual subject to withholding The system has to report amounts to IRS by 15 March of every year and a copy should be sent to the recipient e 1099 MISC This is used to report other income such as rent or royalty payments payments to an attorney all amounts prizes and awards that are not for
42. From Date Total Uncollected Funds To Date Available Date Transfer Reference Number Bank Code Amount Account Ho You can view the following information in this screen Available Date Transfer Reference Number Bank Code Amount Amount Number Linked Account Check Linked Account and provide Account Number and click Query to view all Uncollected Fund Account Numbers of the customer and its linked customers When Linked Account is not checked the existing query operation takes place The displayed values are based on the query fields provided 6 19 7 1 7 Glossary Important Terms Account Class A group of customer accounts with similar characteristics and attributes Account Statement Cycle The periodicity for the generation of account statements Account Statement Type An indicator of the kind of account statement required to be generated periodically this could be either a summary statement or a detailed one Alternate Account Number An unique identifier for a customer account other than the main Account Number This provision is made to enable tracking of accounts existing in the bank before the installation of FLEXCUBE For such accounts you can capture the old account numbers as the Alternate Account Numbers Available The amount available in a customer s account which can be drawn Blocked The amount that is blocked for other transactions which the customer has entered into and not exe
43. LBL_ALL_CUST LIBL_SINGLE Customer Number 8 13 ORACLE Customer Report You can generate customer account opening confirmation report for one or all the customers Indicate your choice here If you select Single Customer you have to specify the customer number in the space provided Customer Number If you wish to generate a report specific to one customer specify the customer number The option list displays all valid customer numbers maintained in the system Select the appropriate one Date Specify the date as of which you want to generate the report Once you have set the preferences click OK button The system displays the print option screen where you can set your preferences as to viewing and printing the report 8 12 Escheatment Report You can generate reports of any customer eligible for escheatment using the Escheatment Report screen You can invoke the screen by typing STRESHMT in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button Escheatment Report Branch Customer Number Specify the following details Branch Specify the branch code of the bank to which the customer account belongs to Customer Number Specify the customer number Click OK to view the report of all the accounts of the chosen customer 8 14 ORACLE 8 13REG D Report You can generate reports of accounts that has violated transaction count li
44. Linked Customer and provide Customer Number and click Query button to view all linked customers in Linked Customer Details To query on any linked customer displayed select the customer and click Fetch button A query operation is performed on the selected customer and the details are displayed The displayed values are based on the query parameters provided Double clicking a record in this screen invokes the contract summery screen for the selected contract The current balance of the selected customer is displayed at the bottom of this screen The current balance denotes the sum total of balances in all the accounts of the selected customer 6 14 6 2 12 Viewing Accounting Entries You can view all the accounting entries passed for a selected Customer Account in the Accounting Entry Retrieval screen To invoke this screen select a customer account and a date range in the Customer Position screen and then click Accounting button The Accounting Entry Retrieval screen is displayed with all the accounting entries passed for the selected customer account and date range Accounting Entry Retrieval Query Criteria Contract Reference Number Debit Credit Transaction Code Currency Event Code Module Code Value Date Tranzaction Date Related Reference Related Account From Date 2005 12 24 To Date 2005 12 31 Query Account Details Branch Code 1i Starting Balance Currency Debit Credit Balance Account Number 100175
45. Maintenance screen click the REG button to invoke the Reg Details screen You can specify the Regulation D applicability details in this screen REG Detalls Regd Applicable Periodicity fonthily Statement Cycle Mone RegE Applicable Reg CC Availability REGOD Applicable Reg D Applicable If you indicate the periodicity of Regulation D applicability as Statement Cycle the restricted transactions would be counted over the primary statement cycle defined for the account class The Regulation D applicability details specified for an account class would default to all accounts using the class However you can make changes to these details when you set up a customer account that uses the account class Reg E Applicable Check this box to indicate that Regulation E is applicable for all accounts thereby tracking all accounts undergoing EFT transactions REGDD Applicable Check this box to indicate that the IC product can be used for APY APYE calculation Reg CC Availability Check this box to indicate that the bank generates the notice for the amount with held and send it to the customer If this check box is selected a message type REGCC_AMT_HOLD and advice formats will be maintained in Advise Format Maintenance screen For more information on Reg CC refer the chapter Maintaining Account Rate and Charge Details in the Clearing User Manual sai ORACLE 3 2 23 Assigning Pr
46. My Dashboard gt Unprocessed Alerts When the relationship officer logs into the system he will be able to see the alert in his dashboard He can mark the alert as processed when he is done with processing the alert 3 4 Maintaining Preferences for Document Delivery Mode You can maintain account level preferences for document delivery mode and document preference for statements For this you need to create a statement extract file as part of statement processing The statement extract file defines the output destination and characteristics of the finished statement You can do this through the Customer Document Delivery Mode screen You can invoke this screen by typing STDACDOC at the top right corner of the application tool bar and clicking the adjoining arrow button ol ORACLE E Ps i 7 _ Document Delvery Mode Account level preference Account Number Customer Customer Harme Customer Type C Retai C Commercial Check Disposition Current Cycl image checks on the stmt Check Disposition Next Cycle ej Wail Cod FERE Mai toge Print and mai Check image Specification Front of check _ Electronic Statement Create CO ROM Check mage Count ka Enclosure Count Waker Date Time Mod Checker Daie Time Record Status Cancel Authorization Status In this screen you can perform the following operations e Open anew record e Save a record e Unlock a record e Close a
47. Oracle FLEXCUBE allows data store for tracking of SOD debit interest due During Interest liquidation for debit interest the system populates the SOD Debit Interest Due Data Store with the Amount Due as debit interest for the SOD utilized amount and the due date of payment for the interest amount z Less than The debit interest due amount is adjusted in the SOD utilized amount and the system checks for any credit entries for the SOD corresponding to the debit interest During EOD if any credit entry exists for the account then the system does adjustments on the amount due for the SOD debit interest due data store The system also adjusts the debit interest payment against the oldest available debit interest due amount and so on Oracle FLEXCUBE provides SDEs for SOD Due Count and SOD Overdue Days for status rule generation During EOD while running the status update batch the system calculates SDE SOD Due Count value as the count of the records having due amount not equal to zero from the SOD debit interest due data store The system updates the SOD Overdue Days with the number of days since the last debit interest payment done for the account Oracle FLEXCUBE provides an account status called DIDF for an SOD account which is available as part of Status Rule Screen If the SOD Due Count or SOD Overdue Days satisfies the condition specified in the status change rule then the system changes the
48. Prefix3 Input By Darg Date Time Modification Humber Authorized Authorized By Date Time w Open The following details need to be captured e Branch code This is the code of the branch for which the list of prefixes will be made available The description associated with the branch is displayed in the adjacent field e Prefix1 This is the first prefix to appear in the Customer Name e Prefix2 This is the second prefix to appear in the Customer Name e Prefix3 This is the third prefix to appear in the Customer Name While specifying the prefix in the customer in the CIF screen a list of all the values maintained in this screen is displayed You will also be allowed to key in a prefix of your choice These details will be printed along with the receiver name in all messages sent to the customer If the global tags for prefixes have been maintained in the advice the System substitutes the tags with the respective prefixes maintained in the customer personal details of the receiver This feature is applicable only for individual customers where the media type is Mail 2 14 5 Storing Authorized Variations of Customer s Name In Oracle FLEXCUBE you can indicate whether incoming Funds Transfers Payments and Collections should be processed only after the customer s Account Number and Name correspond to the authorized variations of the customer s name If you have enabled this as a preference in the FT Product Prefere
49. Report All Branches Single Branch Branch Code Customer Selection All Customers O Single Customer Customer Date Range From Date To Date Branch Details Enter the following details Branch Select the branch type You have the following options e All e Single Branch Based on the branch type you can select the branch from the option list provided The option list displays all valid branch codes maintained in the system Choose the appropriate one 8 17 ORACLE Customer Report Enter the following details Customer Select the customer type You have the following options e All e Single Customer Based on the customer type you can select the customer from the option list provided The option list displays all valid customers maintained in the system Choose the appropriate one You need to check Affiliates option at the customer level to generate report based on customer type Date Range Enter the following details From Date Specify the date from which the transactions need to be considered for report generation To Date Specify the date until which transactions need to be considered for report generation Transaction Amount Enter amount for transaction 8 15 1 Contents of the Report The report options that you selected while generating the report are printed at the beginning of the report The contents of the report are discussed below 8 18 ORACL
50. Time Date Time Modification Number We authorized a Open Cancel Provide the following details in this screen to facilitate a manual status change Account No Select the customer account for which you are marking a manual status change from the option list provided On selection of the account the system will display the current status of the account as well as the date on which the account moved to the current status 3 31 ORACLE New Status Specify the new status of the account You can select the appropriate status from this list If Status Processing Basis specified in the Branch Parameters for all the branches is Contract Account only status codes maintained with status type Account in the Status Codes Maintenance screen will be available in the option list If Status Processing Basis for even one of the branches is specified as Group CIF level then the only statuses available will be of type Both Account Statuses In addition to the new status you can also mark the account with any one of the following statuses if required e No Credit if checked no credit movement will be allowed on the account e No Debit the system will not allow debit movements on the account if you select this option e Frozen if selected no activity will be allowed on the account e Posting Allowed if checked posting of accounting entries will be allowed in the account Status
51. Type Details al Serial Number Basis Amount From Basis Amount To Exposure Category Fields Input By DOC4 Date Time Modification Number WF authorized Cancel i ance Authorized By Date Time a Open You can view the summary of the exposure category linkages in the Exposure Category Category Type Linkage Summary screen 5 6 ORACLE Invoke this screen by typing LDSETMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Deposits Category Type Summary Authorization Status Record Status _ Category Type v Basis Amount Currency Search Advanced Search Reset Export Records per page 15 v FEES of 1 Go to Page C Authorization Status Record Status Category Type Basis Amount Currency Authorization Status s Record Status 4 Authorized C Closed U Unauthorized Open Category Type You must specify the customer category type for which you wish to link the appropriate exposure category type Basis Amount You must specify the basis amount range within which the total exposure will be tracked using the exposure category that you have associated for the customer category type For all slabs except the first one the To Amount of the previous slab must also be equal to the From Amount of the slab The To Amount of a slab must be equal to or greater than the From Amount of the sa
52. Whether account should be solicited Date on which the account is solicited Details of the introducer Date of compliance clearance Date of business approval Trade licence number Next date of KYC review Specifying Comments KYC comment about the corporate customer Comments on the corporate customer by the sales and service officers Name and comments of the approvers on the corporate customers 2 3 6 3 Viewing Corporate or Audit HO Details Click Corporate or Audit HO Details tab in the KYC Corporate Profile screen 2 49 ORACLE KYC Corporate Profile WEE Compliance Audit HO Details Customer and Sponsor s Information Groups Name Parent Companys Country Of Inc Type Of Company Others KYC Amounts Currency USD Details Of Key Person I KYCID Name RelationShip _ Nationality Company Details Details Of Company Branch es Number Of Person Employe d Mode For Salary Others Reason of Account Purpose Of Account Openin g Others Position Or Title Share Percentage Details Of Suppliers E Supplier Name Country The system displays the following details e Number of the corporate customer e Name of the corporate customer e Whether STR should be raised Nature of Business Nature Of Business Product Traded Main Source Of Funds Borrowing Account Group Annual Turnover Details Of Clients Settlement Mode ClientName Country Payment Mode e Date of STR using
53. a Customer Currency and Date wise report to retrieve details of contracts amounts that were netted You can specify the following preferences for the report e Report Type You can indicate whether the report should contain details of contracts amounts that have the same Value Date or whether the details should be generated as per the Netting Reference Number If you indicate that the report should be generated for a Netting Reference Number you will have to identify the number in the respective field e Date indicate whether you would like to generate the report for a specific date range or for all dates Depending on your specification the netting details report will be generated for all contracts that were netted within your branch for the given date range start and end date inclusive or it will be generated for all contracts regardless of the date on which they were netted e Customer indicate whether the report should contain details of all customers whose contracts were netted or for a single customer For a single customer you will have to identify the CIF ID of the customer from the option list e Currency You can indicate whether the report should be generated for all currencies or for a specific currency Identify the currency for which the report should be generated in case of a single currency o Note the following e If you fail to specify a date the generated report will return data for the Current System Date
54. active even after the end date i ORACLE If you do not specify an End Date for the account class the account is taken to be an open ended account class Dormancy Days You have to indicate the period after which an account in an account class becomes inactive or dormant if customer transactions are not posted into the account However while maintaining transaction codes if you have checked the Consider for Account Activity field all transactions posted to any account under this account class linked to the particular transaction code will become active from dormant irrespective of the dormancy period If a customer initiated transaction is posted into the account with the dormant status the account status will be updated to Active from Dormant since the Transaction Code associated with the account has the Consider for Account Activity option enabled Dormancy Parameters As stated above if Transaction Code associated with the account has the Consider for Account Activity option enabled the dormant status of the account will be updated to Active Apart from this you can specify the parameter that is required for re activating the account To indicate the re activation parameters for the dormant account choose any from the following options e Debit e Credit e Any e Manual In case of a transaction the system will check for the parameter you have specified here and accordingly change the status of the account However the par
55. adjoining calendar e Reference number of the STR e Whether the CB should be responded e Date of the CB Response e Details of the activity e Reason for the activity e Dairy note 2 3 6 4 Viewing KYC Details of Financial Customers KYC Financial Profile screen displays KYC profile details for financial customer Click Corporate Customer tab in the KYC Maintenance screen 2 50 ORACLE KYC Financial Profile Bank Address Transaction Products C Transaction Products Rating Monthy No Of Transactions wld Sharedolders Details The system displays the following details e Address of the bank e Country of the financial customer e Currency of the KYC amounts Transaction Products e Name of the transaction product e Rating of the product e Number of monthly transactions e Monthly amount Management Details e Name of the manager e Designation Share Holders Details e Name of the share holder e Holding of the share holder e Address of the share holder e City of the share holder e Country of the share holder Country KYE Amounts CEY GBP 1of1 M anagement Details C Name Designation 2 51 ORACLE 2 3 6 5 Viewing User Defined Fields User Defined Fields screen displays the all UDFs defined using KYC Maintenance screen You can invoke this screen by clicking Fields tab in the KYC Maintenance screen User Defined Fileds Field Name x Value The sys
56. are entered in the current year for the previous year The report shows the total contributions for the year 8 8 3 Details printed on Form 5498 Oracle FLEXCUBE generates Form 5498 customer wise and plan wise that is for each customer for each type of plan held by the customer The type of plan can be Traditional IRA Roth IRA SEP SIMPLE etc The form contains the following details Your bank s name and address The customer s name social security number and address The plan product type for which the form is being generated The year for which the report is being generated Total rollover contributions this is the total of all contributions into plans of the selected type with Rollover as the contribution code Roth IRA conversion amount while usually applicable for Roth IRAs this in the general case is the total contribution into plans of the selected type with Conversion as the contribution code Total re characterized contributions this is the total of all contributions into plans of the selected type with Re characterization as the contribution code New contributions this is the total of all contributions into plans of the selected type with New as the contribution code Other contributions this is the total of all contributions into plans of the selected type with contribution codes different from any of those mentioned above Fair Market Value this is the total year end b
57. arithmetic and logical operators The following elements may be used Frozen Dormant Nodebits Nocredits Stoppayment Current Status Customer Classification 5 10 ORACLE 5 1 7 5 1 7 1 In addition the following elements will also be available for processing e OD overdraft Days e Inactive Days e Overline Days e TOD Temporary Overdraft Days For details regarding the maintenance of other status control parameters in the Status Rule Definition screen refer the chapter Maintaining Mandatory Information in this user manual Provision Processing for Accounts Provision processing for customer accounts is only done if indicated in the account details Provision processing depends upon the status processing for accounts The Provisioning Batch For accounts for which provisioning has been indicated a batch process is run subsequent to the following processes to perform provisioning e Status processing for accounts e Interest and Charges IC batch process e The Automatic Daily Contract Update process in the Loans module To trigger the provisioning batch you can use the Provisioning Batch screen When the batch is triggered the provisioning events SPRO provision and SPWB write back are executed Specifying Frequency at which Provisioning Batch is Executed To recall provision processing depends upon status processing for accounts and contracts The provisioning batch executes after the status processing b
58. arrow button Referral Queue Summary Account Number kad Customer Name Current Balance Available Balance I Overdraft Limit Search Advanced Search Reset Export Records per page 15 v rel zi of 1 Go to Page C BranchCode Account Number Customer Name Current Balance Available Balance Overdraft Limit Credit Rating In this screen the following details of the account are displayed e The account Branch and Branch code e The Account Number e The Name of the customer who holds the account e The Current Balance in the account This includes the aggregate of debit credit uncollected unauthorized authorized and unposted transactions e The amount available for withdraw e The overdraft limit of the account This is inclusive of the sub limit e The Credit Rating or the credit worthiness of the account holder A charge fee or interest debited to the customer account will not be referred to the Referral Queue 4 1 ORACLE Using the Referral Queue you can view details of all transactions processed during the day due to which the account has moved into overdraft For example Silas Marner s savings account has a balance of 1000 Euro with no O D facility There are five checks of 300 Euro each drawn on the account on the same day On double clicking on Silas Marner s account number in the Referral Queue the details of all five checks will be displayed for your perusal in the Referral s
59. be initiated only when full amount is available The following example illustrates the manner in which the system will use the sequence for allocation of funds Assume that you have maintained the following product sequence for funds allocation ORACLE Sequence No eae ae a The liquidation schedule dates for the various loan contracts are as follows Contract Liqd Amt in USD LDBDOO1 1000 LDBDOO2 500 ADBNO01 2 January 2002 1000 ABCD001 2 January 2002 500 Further all contracts are marked for auto liquidation and the settlement account for all contracts is A1 The balance in account A1 as on 1 January 2002 is 500 USD Batch liquidation Liquidation does not occur as the system detects run as part of insufficient funds in A1 only 400 USD The BOD EOD on 1 account is marked for receivable tracking and a Jan block is placed on 400 USD A credit of 500 The total amount blocked gets updated to 1000 USD to A1 on 2 USD Since we have two contracts involving the Jan same product LDBD maturing on the same date funds will be allocated to the first contract LDBD001 based on the Contract Reference Number Subsequent credits to the account will be used towards loan LDBD002 Since contracts with LDBD have earlier schedule dates funds will be allocated to them though as per the product sequence contracts with ADBN should receive the funds first The liquidation schedule date takes pr
60. box the daylight overdraft limit will be made zero for all the accounts belonging to this account class 3 15 ORACLE e Debit Credit Advices If checked indicates that for all accounts belonging to this class the system will generate a debit credit advices on interest liquidation The advices are generated during end of day processing in SWIFT or and MAIL format You can also specify this preference through the Special Conditions screen e Track Receivable if checked you can choose to block the subsequent credit that happens to the settlement account linked to this account class of a loan contract or retail teller contract if the system detects insufficient funds in the account during liquidation In other words the system will track the account for receivables credits As and when a credit happens the funds will be allocated to the loan or the retail teller contract for liquidation e Posting Allowed if checked indicates that the account class being created is to be used while creating IRA monetary accounts Monetary accounts used for IRA need to be distinguished from the other accounts in Oracle FLEXCUBE so that these accounts do not come up for posting in the other Oracle FLEXCUBE screens e Referral Required enabling this option indicates whether a referral check should be performed on accounts belonging to the account class Consequently the system checks the available balance not the current balance
61. by selecting one of the following values e Open e Closed Branch Code The system displays the branch code where the debit card has been issued Request Reference Number The system displays the request reference number of the card issuance record aan ORACLE Card Number The system displays the debit card number of the card holder Multiple cards can be issued to a customer 2 3 9 Viewing OFAC Check Response OFAC check enables the application to call an external web service to perform black list check for customer and customer accounts and give warnings appropriately while transacting with black listed customers You can also capture your remarks before overriding the black list warning Click OFAC Check button in Customer Account Creation screen to view the OFAC check response in the External System Detail screen On clicking OFAC Check button system will build the request XML and call the web service The External System details screen displays the response is received from the external system and you will be also allowed to enter your remarks in this screen The response received will also be sent to Oracle FLEXCUBE Database layer for any further interpretations of the same External System Details External system Response Not a Black Listed Cu ston userRemarks IS Here you can view capture the following details External System Response The response from the external sy
62. can generate account statement periodically for tertiary account type Type Select the statement type to be generated from the options The following values are available for selection e None Select this option if you do not need an account statement e Summary Select this option if you need a brief account statement e Detailed Select this option if you need a detailed account statement Cycle Select the frequency to generate statement from the adjoining drop down list This list displays the following values e Annual Select this option if you need to generate the statement annually ai ORACLE e Semi Annual Select this option if you need to generate the statement half yearly e Quarterly Select this option if you need to generate the statement quarterly e Monthly Select this option if you need to generate the statement monthly e Fortnightly Select this option if you need to generate the statement fortnightly e Weekly Select this option if you need to generate the statement weekly e Daily Select this option if you need to generate the statement daily On Select a month a date or a day to generate statement from the adjoining drop down list The drop down list displays following values e Displays names of the months when Annual Semi Annual and Quarterly are selected at the Cycle level e Displays numbers from 1 to 31 when Monthly is selected at the Cycle level e Displays names of t
63. customer here State Specify the state of registration of the corporate customer by selecting it from the list available here The states are listed in their two character code format as maintained in the State Name Maintenance screen Zip Specify the Zip code of the city of registration 2 2 5 2 Specifying Corporate Details Name Specify the full name of the main office of the Corporate Bank customer National ID Specify the corporate National Identification Number of this customer in other words the registration number of your customer organization 2 2 5 3 Specifying Incorporation Details Date Specify the date on which the customer s company was registered as an organization Country Specify the Country of registration of the office of the corporate i ORACLE 2 2 6 Currency of Amounts Specify the Currency in which you specify the particular customer s various financial details like the Net worth of the customer organization the total Paid Up capital etc Description of Business Specify the nature of the business and the business activities carried out by the customer organization Specifying Details in Director Tab Click on the Director tab to view the following screen Customer Maintenance Customer No 000002788 Full Name Type Individual Short Name Corporate Branch Code 000 Bank Main Auxiliary Personal Corporate itiigcate Withholding Tax D
64. done UDF Value Specify the value for which you the update should be done After you have entered the parameters for the query click the Query button The system fetches all the customers that fit the parameters and displays the following details in the pane in the middle of the screen e Customer Number e Customer Name e Branch code Required If you have not chosen to default the updated UDF values to all records then you need to check this option against each record that you want updated The following details are displayed for each record that you select e UDF this represents the field to be changed e Old Value this represents the existing value New Value You are required to enter the new value for the UDF field This is necessary if you have not checked the Default Value For All Customers option If you have checked the option you cannot change the value default here After entering the values when you save the record the system validates the values entered You can further process the records by querying it in the UDF Maintenance or Customer Summary screens 2 13 2 Processing UDF Update Maintenance eo ORACLE You can modify delete or authorize a record in the UDF Maintenance screen This screen also displays details of records that have been uploaded into the system For uploaded records you can perform only delete and authorize operations To invoke the UDF Maintenance
65. for a distribution code You have the option of combining distributions with the same code from any number of different plan product types IRA codes that you have marked for not reporting to the IRS will not be available for generation of 1099 R forms Form 1099 R contains the following details e Your bank s name address and identification number e The customer s name social security number and address e Plan product types that are being reported e The distribution code and description e Gross distribution this is the total distribution amount for the distribution code that you have chosen across all the selected plan types e Taxable amount this is the same as the total gross distribution amount e Total distribution this is a confirmation that the gross distribution amount mentioned in the form is the total distribution for the selected distribution code e Federal Income Tax withheld this is the total amount withheld as tax for all the distributions from all the selected plan product types for the selected distribution code 8 9 4 Filing IRS Forms Electronically IRS regulations stipulate that any entity filing 250 or more forms of each type must do so in electronic or magnetic form You can access IRS s Filing Information Returns Electronically FIRE system over a dial up network and through a browser or through communication software like ProComm You can log on to the system using the logon name
66. for balance report generation belongs is displayed you cannot change or modify this value Account Select the account which has been identified for generation of a balance statement from the option list The account balance of this account is generated as an outgoing statement Swift Message Type Select the type of message required to be sent As the message is a balance statement select MT941 MT942 Click on the Generate Statement button to initiate the generation of balance statement for the account you have selected This process would pick up the entire debit and credit component accounts created since the issue of a previous MT941 MT942 MT950 or MT940 are included in the generated statement You can examine the details of the generated message to ensure that all details entered are correct Click on the View button to observe the outgoing message Message Details Swift Message Type Reference Number DCN Version Number Remarks Reject Reason Message Trailer You can examine the message for ensuring the information entered is complete You can only view the details of the message no input of additional information is supported at this stage ORACLE 3 2 22 Specifying Regulations Applicability for Account Class For an account class you can define the Regulation limits that are applicable and the period over which the limits would be applicable In the Account Class
67. for the particular customer both the statuses Deceased and Frozen will be applicable If none of the statuses is marked it suggests that this customer s status is normal o If any of the above statuses are true for a customer then you will be notified via a system message when a transaction input happens into any account belonging to that customer Customer Category Each customer that you maintain can be categorized under any one of the categories that you have maintained in the Customer Category Maintenance screen Select from the list and indicate the Category under which the particular customer is to be categorized You need to capture the basic details for each customer regardless of the type of customer you are maintaining 2 2 2 7 Specifying Group to which Customer Belongs When you maintain CIF details for customers in the Customer Maintenance screen you can specify the customer group to which the customer belongs for Group Code You must specify a group code defined for a group type that is the same as the customer type for instance if the customer is a retail customer you must specify a group defined for retail customers Charge Group Specify the charge group of the customer from the option list provided Only the Group codes maintained with type Charge will appear for selection Clearing Group Categorize the customer for levying charges at a customer group level Withholding Tax Group You need to
68. manual Chapter 8 Reports provide a list of reports that can be generated in this module and also explains their contents 1 1 3 Related Documents e The Procedures User Manual e The Settlements User Manual 1 1 4 Glossary of Icons This User Manual may refer to all or some of the following icons tee aon Bom em co i ORACLE Liquidate Sign off Help Add row Delete row Option List Confirm Enter Query Execute Query Refer the Procedures User Manual for further details about the icons 1 3 ORACLE 2 1 2 2 2 Maintaining Customer Information Files Introduction In the Customer Maintenance screen you maintain various personal and business details of the customers of your bank The CIF details are maintained at the branch level by the sign on branch These details can be accessed by all branches and therefore a duplicate customer record for a customer in two different branches need not be maintained Invoking Customer Information Screen You can invoke the Customer Maintenance screen by typing STDCIF in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button The four parameters listed on top are the four lines along which you maintain customer details These details have been classified into the following broad heads You maintain the main attributes of all customers individuals and corporate houses Auxiliary This scree
69. off Delivery By forms a part of the handoff file name and hence are grouped into different files storage locations to be handled by the appropriate third party system 2 2 2 5 Specifying Unique Identifier Details Each customer is required to provide certain identification details to your bank for establishing the customer s identity For instance the passport number or ration card of the customer may serve as the criteria to establish the customer s identity In Oracle FLEXCUBE this is known as Unique Identifier Name Name Enter the identifier name in not more than 20 characters Value You have to capture the serial number or any number of significance that is to be associated with the document which can help in identifying the document You can use a maximum of 20 alphanumeric characters to capture the identifier value 2 2 2 6 Indicating Customer Customer Account Status As part of indicating the personal status of the customer or the customer s account you have to specify whether the customer has Deceased The customer s whereabouts are unknown The customer s account is Frozen either an order passed by law or any of the above mentioned reasons ORACLE Mark for Escheatment The system updates this at EOD depending on the last contact date For each customer you will be allowed to mark one or more statuses For example if the customer has deceased then the customer account will be declared frozen Therefore
70. password and PIN provided to you by the IRS 8 11 ORACLE 8 101099 Miscellaneous Payments Report This report generates details of miscellaneous payment transaction and will also generate 1099 miscellaneous report using 1099 Misc Payments screen You can invoke this screen by typing STDIRMSC in the field at the top right corner of the Application tool bar and click on the adjoining arrow button 1099 Misc Payments Misc Reference Mo pranch E Customer Number COO W Customer Mame cureney 7 id Accomto a Miscellaneous Payment Transaction Financial Wear O0 H Transaction Reference Mo CE Maker Date Time Mod MHo Checker Date Time Record Status ALthorization Status You can enetr the following details Misc Refererence Number The system displays the miscellaneous reference number here Branch Specify the branch code for the transaction The option list displays all valid branch codes maintained in the system Choose the appropriate one Customer Number Specify the customer number for payment transaction The option list displays all valid customer numbers maintained in the system Choose the appropriate one Customer Name Specify the customer name Currency Specify the currency for payment transaction The option list displays all valid currencies maintained in the system Choose the appropriate one Account Number Specify the account number for tr
71. request comes from the chosen external system Sron The maintenance pertaining to external systems is factory shipped for your bank oe ORACLE Source Operation The free format text without spaces which identifies the amendment you are doing This is mandatory Service Name The relevant service name this is a broad level grouping of similar operations within a module in Oracle FLEXCUBE The service names are published by Oracle FLEXCUBE The maintenance pertaining to service names is factory shipped for your bank Operation Code The relevant operation code This is the operation that the external system wishes to perform within the selected service The operation names are published by Oracle FLEXCUBE As an example you can take ModifyCustomer which is for modification of a customer record Each Operation under different service names is identified by a unique code The maintenance pertaining to operation codes is factory shipped for your bank Element Name The relevant field that can be amended On choosing a field its type gets defaulted in the Element Type field It can be one of the following Element These ultimate leaf elements occur directly under the parent node of an amendment request It is displayed as an F Node This is a child node of a main amendment request It has its own child elements and nodes It is displayed as an N 2 3 12 1 Processing for Element If su
72. screen type STDUDMNT in the field at the top right corner of the Application tool bar and click the adjoining arrow button The following screen is displayed UDF Maintenance User Reference Number Reference Number al Customer Number CustomerName Branch Code d UDF Old Value New Value Maker Date Time Record Status Checker Date Time Authorization Status To access the record required press F7 specify the Reference Number and press F8 The system displays all the following details e User Ref Number e Customer Number e Customer Name e Branch Code e UDF e Old and new values for the UDF You can modify the new value of the field before the record is authorized You cannot delete or add any new fields in this screen After you authorize the record the system will update the individual customer records Modification and deletion of a record will be possible only if it has not yet been authorized 2 13 3 Viewing UDF Customer Details You can view the UDF details updated for the customer in the Customer Summary screen oe ORACLE You can invoke this screen by typing STSUDMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Su mimary Authorization Status Record Status Reference Number LA User Reference Number ak Advanced Search Records per page 15 l of 1 l Authorization Status Record Status Reference
73. system should generate the dormancy advice Note that the dormancy advice is applicable only for Savings Checking accounts ee ORACLE Replicate Customer Signature Check this box to indicate that customer signature should be replicated On checking this option the signature of the customer gets defaulted to account level No of Days For Salary Block Specify the number of days for salary block At the time of salary credit in to a customer account the system will place an amount block for the number of days specified here from the date of salary credit The amount blocked will be equal to the loan instalments due during this period Example For single loan installment No Of Days for Salary Block 15 days Salary credit amount 10000 AED credited on 30 Oct 2009 Loan1 Installment Amt 5000 AED due on 05 Nov 2009 System will check for the Loan installments falling due till 14 NOV salary credit on 30 Oct 15 The system will put an amount block of 5000 AED with expiry date as due date i e 05 Nov 2009 and Effective date as Application date i e 30 Oct 2009 The created amount block will have amount block purpose code as 05 and Remarks field will be populated with Loan A c Number Note For a given loan account schedule all the applicable component amounts are summed up and a consolidated amount block will be created These amount blocks created by system for hold on salary purpose cannot be amended by users and only c
74. the account level Ref Spread Specify the reference spread for the account Rate Flag Select a valid rate flag from the options The following values are available for selection e Pool Code Select this option if you need to apply the rate maintained for the pool to which the account belongs e Contract Level Select this option if you need to apply the rate maintained at contract level Pool Code Select a valid pool code to which the account class belongs from the adjoining option list Reference Rate Select a valid reference rate from the adjoining option list Transaction MIS Code The system generates transaction type of MIS code from the Account Class level You can select a valid MIS code from the adjoining option list if needed oe ORACLE Composite MIS Codes The system generates composite type of MIS code from the Customer Maintenance level You can select a valid MIS code from the adjoining option list if needed Cost Codes The system generates cost codes from the Account Class level You can select a valid cost code from the adjoining option list if needed 3 4 2 8 Maintaining Account Status Click Account Status button in the Account Class Transfer screen to invoke Account Status screen Account Status Account Branch Code Account Account Status Status Description GL Lines Credit Debit HO Lines Credit Debit CB Lines Credit Debit 000 0000001 4001
75. the advice generation frequency that you have specified You can generate the following reports e IRA Statement e Minimum Withdrawal Advice e Charge Advice e 1099 1042 S Customer Report e List of Customers SSN TIN Not Certified Report e Customer Notification Report e IRS Form 5498 e IRS Form 1099 R e 1099 Miscellaneous Payments Report e Customer Account Opening Confirmation e Escheatment Report e REG D Report e Netting e Transaction with Affiliates Report 8 2 IRA Statement Reports An IRA statement is a statement of accounts for an IRA plan You will be able to generate statements for a list of all the transactions carried out in an IRA plan for the statement generation frequency specified for the plan You also have the option of generation on an ad hoc basis 8 2 1 Selection Options You can choose to generate the account statements for transactions involving all plans within your branch or for transaction within a single plan or for a range of plans You will also have to indicate the date range for the generation of the report 8 2 2 Contents of the Report The options that you specified while generating the report are printed at the beginning of the report The contents of the IRA Statement have been discussed under the following heads Header The Header carries the title of the Report information on the branch code the date and time at which the report was generated and the page number of the report
76. the tax certificate is pre shipped The format of the advice can be modified except for the name of the advice format which is pre shipped 2 2 4 12 Maintaining Tags for Advice Generation The following tags will be available for advice generation for individual transaction Description Data Type ae ORACLE Description Data Type TXNNUMBER The contract Alphanumeric 16 characters reference number CALCDATE The tax calculation date COMPCCY The interest Alphanumeric 3 characters component currency TAXCCY The tax currency Alphanumeric 3 characters TAXAMTINTAXCCY The tax amount in tax Number currency INTERESTAMT The interest amount Number basis amount on which the tax has been calculated 2 2 4 13 Specifying the Census Tracking for the Customer You can specify the census tracking for the customer here The size of your entry can be up to 10 characters This entry can be amended later 2 2 4 14 Specifying the NAICS Code You may specify here the NAICS code identifying the customer s occupation business The NAICS code is a numeric code that identifies the occupation or business of a customer through the North American Industry Classification System NAICS The U S Government Office of Management and Budget formulates these codes 2 2 4 15 Specifying the Customer Relationship Officer Here you can specify the bank staff personnel who will act as the Customer Relationship Officer for the customer The list available he
77. the type of relationship in this field You can use a maximum of 20 alphanumeric characters to define a relationship e Category Select the category from the drop down list to define the nature of the relationship with the customer The available options are ee ORACLE gt Customer to Customer gt Customer to Account gt Customer to Contract e Description Provide a brief description of the relationship being maintained This will further help you in identifying the relationship You can enter a maximum of 35 alphanumeric characters in this field The types of relationships defined in this screen will become available for linking two customers only upon authorization of the details maintained 2 11 2 Relationships for Customers A customer of your bank can have relationships with any other customer of your bank Also a customer of your bank could be a joint account holder with another customer of your bank You can capture these details when you set up the CIF or customer account For linking a customer account you need to specify details of the relationship for the account Click on Linked Entities button in the Customer Maintenance CIF screen The Linked Entities screen is displayed Linked Entities Customer No 000001543 Relationship Linkage a Customer x Description Relations Include Relationship Ey owo pafen OOO pes al 000000118 E JPMorgan Chase Bank PRIMARY k EHn
78. this box to set the penalty limit within the total interest amount If you check this box the system will stop applying penalty if the penalty amount exceeds the total interest amount Penalty Override Allowed Check this box to allow penalty override for the accounts associated with this account class Redemption Fund Availability Specify the following details oo ORACLE Delayed Payment Applicable Check this box to indicate that delayed payment is applicable to the accounts associated with this account class If you do not check this box the system will perform redemption on the redemption date maintained for the account Redemption Order Specify the following details Component Specify the redemption component Priority Specify the redemption priority Once you have captured the details save the maintenance 3 3 Maintaining KYC Document Checklist Oracle Flexcube allows you to maintain document checklist for the customer based on customer type and customer category You can define document checklist for a combination of customer type and customer category through the Document Checklist Maintenance screen You can invoke the Document Checklist Maintenance screen by typing STDCSDOC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Document Checkist Maintenance Customer Type Individual 5 Grace days before Expy 30 Customer Category S
79. tool bar and click the adjoining arrow button The following screen is displayed MIS Maintenance User Reference Number Reference Number Customer Number Customer Name Branch Code MIS Ol Value New Value Maker Date Time Record Status Checker Date Time Authorization Status To access the record required press F7 specify the Reference Number and press F8 The system displays the following details e User Ref Number e Customer Number e Customer Name e Branch Code e MIS e Old and new values for the MIS You can modify the new value of the field before the record is authorized You cannot delete or add any new fields in this screen After you authorize the record the system will update the individual customer records Modification and deletion of a record will be possible only if it has not yet been authorized 2 12 3 Viewing MIS Customer Details You can view the MIS details updated for the customer in the Customer Summary screen You can invoke this screen by typing STSMIMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button oe ORACLE Customer Su mmeary Authorization Status Record Status Mf Reference Number 0 W User Reference Number O0 WH Advanced Search Records per page l of i Authorization Status Record Status Source Code Reference Number User Reference Number You can query on the records by specifying a
80. transaction The debit waiting period would be counted from the account opening date OD Waiting Period in days Specify the waiting period in days for first overdraft transaction The OD waiting period would be counted from the account opening date The waiting period details maintained here will be defaulted at account level However you can modify them 3 2 14 Maintaining IRS Indicator for Tax Reporting IRS Indicator Check this box to indicate whether the product is applicable for withholding tax or not 3 2 15 Maintaining Status Codes for Account Class Current and Savings accounts that have not generated any interest over a specific period or have remained inactive with interest overdue may be identified as NPAs Non Performing Asset In Oracle FLEXCUBE you can assign different status codes to an account class which will be applicable to all the accounts under it The accounts will move from one status to the other based on the number of days they have remained inactive in the system The status of an account will determine whether the account should be marked as an NPA or not Further you can also specify the reporting lines for GL Federal Reserve and Head Office to which accounting entries should be passed when an account moves from one status to the other You can post all debit and credit balances of one account class to a single General Ledger account Conversely you also have the option of posting debits and credi
81. values e Not Applicable e Certified e Not Certified e Certified but not Valid e Not Certified Never Certified e Certified awaiting TIN e C Notice interest certified e C Notice Not certified e B Notice first notice e B Notice second notice e Not Required NRA e W 8 e W 9 Transaction Amount Enter the transaction amount Click OK button to generate the report click Exit to return to the Reports Browser 8 6 2 Contents of the Report The report options that you selected while generating the report are printed at the beginning of the report The contents of the report are discussed below Body of the Report Customer This is the number of the customer whose TIN Certification Number Status and if it is not certified is being displayed Customer Name This is the name of the customer whose TIN Certification Status and if it is not certified Account Type This is the type of the account Account This is the Account number on which withdrawal transaction of an amount is greater than or equal to inputted amount This is the transaction time stamp generated 8 7 ORACLE Transaction Code This is the Transaction Code generated Interest Amount This is the Interest Amount generated Address of the Customer 8 7 Customer Notification Report This report will be generated to notify the customers whose notifications have been sent using the IRS Notification Report screen You can i
82. with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
83. 54000 50000 54000 50000 3000 DFLT_LI 1000 780 NE2 As you double click a particular account the system will display the following details Line Accrued Amou interest nt Not i credit Utilize i d 6 2 3 Viewing Loans Details You can view details of all loan contracts for the selected customer through the Customer Position screen Click the Loans tab The loan amount that appears is the consolidated amount grouped by Branch Product and Currency The screen appears as shown below amp Customer Information Query Customer Information Customer a C Linked Customer C Current Branch Only Address C Relationship Customer Relation Fetch Customer ID Name Accounts Loans Deposits FX FT Contract Details Branch Product Description Currency Balance Debit Credit Indicator From Date Transaction Date To Date Value Date Double clicking a record displays the Loan Contracts Summary screen comprising a Summary of transactions contributing to the balance displayed in the Customer Position screen The balance displayed is the outstanding principal amount for the Loan product This screen also displays MM contracts that is MM borrowings are displayed under the Deposits tab and MM Placements are displayed under Loans Double clicking a record in the Loans Contract Summary screen displays the corresponding Loan Contract screen comprising transaction details 6 6
84. 8 9 2 Generating Form 1099 R after Tax Filing cccccccccccc cece cece eee c cee e eee e enna aeees 8 11 8 9 3 Details printed On Form LOQQER oii ssscsasiosinsiestatinnisvattn ideiatinnsstatnluettiestectadseusisaeach atta lanteiiaastactaideieecdas 8 1 8 9 4 Filing IRS Forms Electronically sigaccisssisseh che bacteasinss Vestaicaietnansshahtaiacistis atin eetatiaws tata taunted ideas 8 1 SAG 1099 MISCELLANEOUS PAYMENTS REPORT cscsecsessosnceecensctandxssonuedesaysoncnestteniuesvate Supeacaesossuadeseoannendweseeruees 8 12 8 11 CUSTOMER ACCOUNT OPENING CONFIRMATION REPORT cccesssscceeeessseceecesssseeescesssneeeseesssneeeseessaneeees 8 13 aL ESCAT ATR ETOR LN ren Pee nen E eee ee ee 8 14 ol i BESORT nee er ne en nee ner ae ere ey ee er et 8 15 SLE OEM BS OCG O An en eee ane eee ee ee ee ee 8 16 Ole CORNS OFC TCO OND sdei nE Mice E sae Macao aaa GeaaaaG ews RRE 8 16 8 15 TRANSACTION WITH AFFILIATES REPORT ececcasssdesccituansvansbesdeactudeveusbeedeanuueusaeusbendeasbvdecsecsnvaueedaudoseausbandvess 8 17 GAIT CORS O EREDO EE On On eo ne Te on ee Tene ee 8 18 ORACLE 1 About this Manual 1 1 Introduction This manual is designed to explain the Core Entities module of Oracle FLEXCUBE It provides an overview to the module and provides information on using the Core Entities module of Oracle FLEXCUBE You can further obtain information specific to a particular field by placing the cursor on the relevant field and striking lt F1 g
85. 920 messages To do this you need to click MT920 button in the Customer Information Maintenance screen and invoke the MT920 screen ve ORACLE The screen is shown below mTo20 Blt Maintenance C Bic Code Account Yet To Verity Here you can enter the following details BIC Code Enter or select valid BIC from the option list This BIC Code information provided by you is crucial Account Number Once you specify the BIC code you can enter the relevant Account Number adjacent to it Click Ok to save the details entered here 2 3 14 Maintaining Multiple Communication Addresses Some customers may have two addresses a Summer address and a winter address This maybe because they tend to move to warmer climates during winter and then move back during summer Same maybe the case with university students who may have one address when the school is in session and another when for vacation You can maintain multiple addresses for customers each with a date range associated with it for the entire year This helps in directing various communications to the proper address through out the year If multiple communication addresses are not maintained for the customer then the address from the Customer Maintenance screen will used all year round To maintain multiple addresses for a customer use the Multiple Address Maintenance screen Invoke this screen by clicking Addresses button from the Customer Ma
86. Auto Deposits Auto deposits are the linked deposit accounts to the savings accounts These accounts are created once the threshold balance exceeds in the customer accounts You can maintain these accounts using Auto Deposits screen Click the button Auto Deposit in the Account Class Maintenance screen to invoke it oie ORACLE Auto Deposits Account Class Def Rate Code s Transaction Code Def Rate Type Mid Currency Sweep Mode Automatic v Minimum Required Balance Break Method Fifo v Deposit Multiple Of F Provide Interest On Broken Break Deposits First er You have to specify the following fields in this screen Account Class Specify the deposit type of account class for the auto deposit account Transaction Code Specify the transaction code DPN New deposit account for the book event to trigger at the time of creation of auto deposit account Currency Specify the currency in which the deposit account has to created Minimum Required Balance Specify the balance that is required to be maintained at the linked savings account If any balance exists beyond this balance in the account then the system creates an auto deposit account as part of batch process Deposit Multiple Of Specify the multiple factor for the auto deposits The system creates auto deposits in multiples of the factor you specify here Example You specified the multiple factor as 50 and the minimum
87. Book Name 2 ATM Preference Atm Account No Daily Amount Limit Daily Amount Count lt Interest Charges Consolidated Charges Statement mis Account Status Maker Date Time Mod No Record Status Checker Date Time Authorization Status oe ORACLE Check Book Preferences Maintain the following Check book preferences if you have opted for a Check book for your account in the Main tab Auto Re order Check Required Check this box to automatically reorder Check books for all accounts belonging to this account class Reorder Check Level Specify the level at which you need a Check book for the account Reorder Number Of Leaves Specify the number of Check leaves you need in the reordered Check book Check Book Name 1 Specify the name used for opening savings account A1 This name will be printed on the Check book and will be used for all Check transactions Check Book Name 2 Specify the name if you need to enter the name of the joint account holder on the Check book if the customer account is joint operations account ATM Preference You can maintain the following parameter if the ATM box is checked in the Main screen Atm Account No Specify the valid ATM account number that should be linked to the new account class Daily Amount Limit Specify the daily limit for the amount that can be withdrawn from the ATM Daily Amount Count Specify the daily count for the amount that can be with
88. Business Overseas Property Others Sole Proprietor Partnership LLC PSC PJSC Free Zone Enterprise KYC_TYP_COMP Government Entity Charity Orgn FZ Co Offshore Company FZ LLC Others Commercial KYC_PURPOSE Individual ee ORACLE KYC Type Possible Values KYC_DET PURPOSE COMM KYC_DET_PURPOSE_IND KYC_SAL_ TYPE KYC_SETTL_PAY KYC_TXN_DET Commercial Banking Trade Services Private Banking Investments Loans Retail Banking Null Provide Details Salary Transfer Savings Investment Loan Repayment Transactional Cash Direct Deposit Company Check TT SWIFT CB Null Provide Details Cash Check Wire Transfer LC Documentary Collection Monthly Withdrawals Deposits Remittances By Cash Remittances BY Check Local Remittance Inward ces ORACLE KYC Type Possible Values Local Remittance Outward Foreign Remittance Inward Foreign Remittance Outward For Salaried Individuals this is required only for Risk level 2 amp 3 customers KYC_TYPE_ACC Sole Joint Own Business KYC_ OCCUPATION Employed Ho Branch Central Office Subsidiary Rep Office KYC_FI_STATUS Others Commercial Bank Investment Bank Offshore Bank Leasing Company Exchange Company KYC_FIl_TYPE Others Retail Corporate Investment Transfers Islamic Banking KYC_AREA_OF BUSINESS Trade we ORACLE KYC Type Possible Values KYC_OWNERSHIP KYC_PRODUCTS Treasury Others Go
89. Change Automatic You can select this option if you want the subsequent status change for the account to be performed automatically by the system After the account moves to the new status specified here all subsequent status movements will be triggered automatically during the EOD run for the branch However the changes will come into effect only upon authorization of the details maintained here Ata later date you can switch back to the manual mode by unchecking this option and having the same authorized The manual status movement that you specify in this screen has to be authorized for the new status of the account to come into effect 3 2 18 2 Maintaining Status Change Processing For accounts marked with automatic status change you can execute a batch process at EOD to trigger the status movement and other associated changes Use the Account Status Update Processing screen available in the Application Browser to begin the batch process If the Status Processing Basis defined for the branch is Group CIF level the worst status for all loans and overdrafts accounts is calculated for a Group CIF level This status is displayed in the respective Group CIF screens as well as at the respective account and contract screens The individual status of each account and contract is also displayed in the accounts screen as Account Derived Status ae ORACLE Refer the Products chapter of the Interest and Charges user manual for
90. Core Entities Version 1 0 9NT1438 ORACLE FCUBS V UM 11 1 US 1 0 0 0 March 2011 Oracle Part Number E51715 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG re Created on October 01 2008 Revision No Final a Updated by Documentation Team Reviewed by Approved by Software Quality Development Testing teams Assurance Team Updated on March 18 2011 Reviewed on March 18 2011 Approved on March 18 2011 Core Entities 1 Table of Contents ABOUT THIS MANUA a scssssarecsciveccelonssacctessecossauasssaccccocssiacistcsteateconssstudonsessiscaslacaeseshausovessesGedosscaanausiastuessssiay 1 1 1 1 MIN TROD O N e E E E E EA S E E E EA E omen E E EA E E E l 1 1 1 1 A O E E AA A E l 1 1 1 2 U ELE 116 r E E EA E EA E E E E E E oo Te nr ee rere ree l 1 1 1 3 Pelar d DOCENS eiai A E E E E E E l 2 1 1 4 COTO LO a E E 1 2 MAINTAINING CUSTOMER INFORMATION FILES cscsccccccsssssssssccccssssssssssccsscssssssssscesssssssesees 2 1 2 1 TN OC LOIN aces cen gs ote E saree dace E E E A EE OA AA A ES 2 1 22 INVOKING CUSTOMER INFORMATION SCREEN vcsadiucissssiatiwaseteansgnssteniastnctneastitbaressannsaiciweadeteesnaasiiabeaxegeauens 2 1 Lidil Maintdining Customer Basic Record oipransiiniaseiena ie a i A E aE 2 2 Dla BCG VU EMO CUS a E E O 2 4 223 Specifying Exposure Category and Provisioning Details for Customers o oo 2 16 2 2 4 Specipine Details in Auxiliary TAD nesenie EEA EAEAN
91. Current Cycle 3 4 2 Maintaining Account Class Transfer Oracle FLEXCUBE facilitates the change of account class at the customer account level without changing the customer account number Depending on the destination account class system defaults the reporting GL lines and IC related values The account class transfer can be initiated through the Account Class Transfer Maintenance screen You can invoke the Account Class Transfer screen by typing STDACTFR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Account Class Transfer Branch Code 000 Old Account Class Account Account Class Currency Default OEE Auxiliary Effective Date GL Details Preferences Next Liquidation Cycle Status Cheque Book Effective Date Credit Passbook Debit ATM Status Change Automatic Interest Charges Consolidated Charges Statement mis Account Status Maker Date Time Mod No Record Status a a Cancel Checker Date Time Authorization Status The following details are maintained here Branch Code The current branch is defaulted here Account Select the account number which requires an account class transfer from the adjoining option list This adjoining option list displays all valid accounts maintained at the account class level Old Account Class The account class to which the selected customer account belongs is defaulted he
92. Customers For an account class say SAV IND savings accounts of individuals you would like to disallow linkage of all customer accounts of branch 001 and 004 To specify this click on disallowed since the disallowed branch list is smaller than the allowed branch list From the list of Available Branches select 001 and click the adjoining arrow Repeat the procedure for 004 001 and 004 will be listed under disallowed branches For specifying the allowed list of branches first click on allowed You will notice that the list title changes accordingly to allowed and vice versa You should select allowed or disallowed depending upon the length of the list 3 2 29 Maintaining Currency Preferences For all accounts under this account class you have the option of specifying currencies in which transactions are allowed disallowed Example You want to restrict all account level transactions under the account class Corporations for corporate type accounts to four important currencies only say USD GBP JPY and DEM You can specify the same But currency preference needs to be accompanied by specifications regarding the minimum balance limit in each currency To do this click the Currency Preference button The Account Class Currency Preferences screen will be displayed e Currency Preferences Account Class Currency Preferences d Currency Code Minimum Balance ATM Cash Limit ATM Transaction Limit All
93. DEPOSED CIOS sireni ra a a ORTOR 6 8 6 2 5 DAT eae ch Gg BI 01 en eee reece ee eee eR tree eReCE E rer CEL ETE STS E S 6 9 6 2 6 Viewing FI DGS oacicocssacasniccdnisinsesosanoaiendnahudiswnenuihindsatniawsandthciabalicosasdhiadsatanewansttiactstacaastbeadeiwlacsoascess 6 10 6 2 7 Viewing Collaterals Details ccccccccccccccc ccc ccc EERE EEE EEE 6 10 6 2 8 Viewing Assets Lidbilities Detaals ccccccccccccccc ccc cece EEE EERE EERE EE EEE 6 11 6 2 9 UAT DD CLAS isses a tea matekeacen aeneameteeianel toast as 6 13 6 2 10 Viewing MIS Details ccccccccccccccccscscccccccccccccccsescceccsaaaaaaaaaaaaasaaaaaaaaaaaaaaaaaaaaesseeeeaeeseesaeseseceesaeeeeeeaaaes 6 13 Ocd Pewne OCC MONS oiae T E TE E 6 14 0ad2 Viewing Accounino ENWIES arciere neiaa SA AA E EEN 6 15 62 13 Qverdrawin Accounts QUEYERE EEEE DEET ESEE NE ESRA 6 17 62 14 Uncollected Funds QUEFY ss acicisiecucctieitisacldnitacsweltsattiracteditdutiedelctdsatdeidachslenkitiraakdtdhhadiedeictiiack dina aa aa aaan 6 18 GLOSSAR Y e E A S 7 1 7 1 DO ORT NT TRIS a E E EE E E E E A teatre es 7 1 RETORTA rd ewe E E E E E E E E E 8 1 8 1 E RODEC nil ome teen nemmer nt ene oe ce ane eC ee 8 1 S2 IRA STATEMENT 85052 2 Be er en ee ener 8 1 8 2 1 D O OTIS ae E E E A E E 8 1 8 2 2 CONTIG OF TCI OE shies cect ste E sands Sean cac sine sa scat asian ae nasg ie a eee 8 1 8 3 MINIMUM WITHDRAWAL ADVICE REPORTS cccccesssssscceeeeeesessceeeeeeeeeessaaeeeeeeeesessaaceeeeeeeeessaeeeeeseeseesaaaees 8
94. E Body of the Report Customer Name This indicates the name of the customer Account Number This indicates the account number of the customer Account Name This indicates the account name Primary Joint Holder This indicates the Primary Joint holder status Current Balance This indicates the current balance of the customer Transaction Amount This i indicates the transaction amount Cr Dr Indicator This is the credit or debit indicator Transaction Code This is description of transaction code Description Transaction Date This indicates the transaction date 8 19 ORACLE ORACLE Core Entities March 2011 Version 1 0 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_ services Copyright 2011 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties
95. F are then moved to the worst status that was arrived at The total exposure of customers in a group or CIF is considered as the sum of all outstanding overdrafts in respect of accounts belonging to the group CIF as well as the loans issued to the group or CIF This total exposure is considered for deriving the provision percentage and computation of the provision amount The computed provision amount is stored and displayed in the Amount Tab in the Customer Account Maintenance The current status and exposure category of the account is also stored along with the balances The provision amount is computed for each account using the provision rule defined for the account class that the account uses Typically the computation could be done according to the following guidelines Status of the Accounts For instance let us suppose the statuses for accounts belonging to a CIF are derived according to the following guidelines a Delay Period Debtor Up to 30 Between 31 Between 61 Between Financial days and 60 days and 90 days 91 and Standing 180 days 5 12 ORACLE Delay Period Unstable Substandard Doubtful Not Good Substandard Doubtful Loss Provision for General Credit Risk General Credit Risk includes all contracts and accounts in Regular status The provision amount computation could be done as follows according to the following categories Exposure to Corporate Customers The expression used for t
96. Head Office Lines for each status os ORACLE 10 11 12 13 14 15 16 17 18 Maintaining account statement details like the type of statement that is to be generated the frequency at which statements should be generated for all accounts under a class Indicating the preferences unique to an account class like the check book passbook or ATM facilities to be given to account holders under this account class whether overdraft facility should be allowed for accounts linked to this class whether the credit limit should be checked for all accounts under the class interest and charges to be computed for accounts under this class Specifying preferences regarding account holder facilities interest computation etc Indicating whether status change for all accounts belonging to the account class should be automatic or manual Identifying and assigning preferred branches currencies and customers to the account class Specifying whether receivables should be tracked for the account class This specification will default to all accounts that are linked to this account class Specifying whether reordering of Check Books for all accounts linked to this account class should be triggered automatically or not If yes the parameters for the same Specifying liquidation preferences for debit interest and charges to notify your customers through a Debit Interest Notification message in the case of charges a Charge
97. Interest amp Charges input By DOC2 Future Interest Future Principal NPV E Notice Period Maint RENTET Future Interest NPV TA Open Modification Number I Authorized Notice Utilization Pass Book Provisioning Percentage TD Accounts j Customer Maintenance DE Teller Deposits gt Deposit Instructions Derivatives Document Maintenance EOC Operations Excel Import E Expense Processing External GL FGL Interface Undisbursed Principal LCY First Authorization CJ A Workflow Customer My Dash Board A start eoe O Inbox 3 Wi 38 2 mi 5 mi Q2 Go gt I kernel Fulsh pocz Wi Coree Search Desktop Deskop 2 2 AOAR 12 15PM To define rules you can use the following elements for the account for which provision is being made e Outstanding Balance ACY This is the book dated debit balance in account currency in the account for which provision is being made e Outstanding Balance LCY This is the book dated debit balance in local currency in the account for which provision is being made e Receivable Interest This is the interest receivable on the account for which provision is being made e Accrued Interest This is the interest that has been accrued but not liquidated as yet in the account for which provision is being made typically the interest that has accrued during the curr
98. KYC details of the key person Name Specify the name of the key person Relationship Specify the relationship between the key person and the corporate customer The adjoining option list displays all valid relationships maintained in the system You can choose the appropriate one Nationality Specify the nationality of the key person The adjoining option list displays all valid nationalities maintained in the system You can choose the appropriate one Position or Title Specify the position or title of the key person Share Percentage Specify the percentage of share for the key person Company Details You can specify the details of the company in the following fields ee ORACLE Details of Company Branches Specify the details of the company branches Number of Person Employed Specify the number of person employed in the company Mode for Salary Specify the mode of salary payment in the company The adjoining option list displays all valid modes maintained in the system You can choose the appropriate one Others If you wish to provide additional information on the company use this field Details of Suppliers You can specify the details of suppliers in the following fields Supplier Name Specify the name of the supplier Country Specify the country to which the supplier belongs Settlement Mode Specify the mode of settlement The adjoining option list displays all valid modes maintained in t
99. M Customer flag gets checked after the upload You can however uncheck the same when you unlock such a record and make changes When you unlock such a record system throws up an override stating that the customer is a CRM customer and asks whether you want to continue modifying the record If you confirm the same Oracle FLEXCUBE allows you to make changes If you choose to ignore the original record is saved Specifying the Main Details You may specify the following main details for maintaining a customer by clicking on the Main tab Specifying the Customer Status CLS Participant Customers of your bank can settle their FX deals via the CLS Continuous Linked Settlements Bank to reduce the risks associated with such transactions To allow the customers to do CLS trades you have to mark the customer as a CLS Participant However you have to ensure that the branch at which the customer operates is also qualified to process CLS deals i e the branch should also be marked as a CLS Participant before allowing the same for the customer Further you can also capture currency restrictions for your customers by maintaining a list of allowed or disallowed currencies for CLS trading Click the CLS Restrictions button to maintain this list Note that currency restrictions will be allowed only for customers who are CLS participants Refer the Continuous Linked Settlements chapter of the Foreign Exchange User Manual for details o
100. N Not Certified Report The report of customers with specific TIN certification status can be extracted through the List of Customers screen This report will extract all customers and their transactions matching the provided filter criteria and those accounts created 60 days earlier than the current date You can invoke this screen by typing STRPTSSN in the field at the top right corner of the Application tool bar and click on the adjoining arrow button List of Customers List of Customers SSH TIN not certified From Date To Date TIM Certification Status Mot Applicable Transaction Amountt E You can enter the following details 8 6 1 1 List of Customers SSN TIN not certified From Date Specify the date from which the transactions need to be considered for report generation To Date Specify the date until which transactions need to be considered for report generation The customers can be extracted based on transactions performed in a specific date and amount The transactions performed between From and To dates will be extracted The transaction amount can also be provided as filter criteria to extract the report 8 6 ORACLE TIN Certification Status The TIN Certification Indicator indicates whether the SSN or TIN of the customer is certified as real or not The customer may provide proof of certification by submitting a W 8 or W 9 form The Certification Indicator may have the following
101. NN e lf the Access SSN option is not available for your user profile this number will be displayed fully only during customer maintenance and customer query For other operations like amending or viewing customer details the system will display the SSN in the masked format XXX XX 1234 Example Let us assume that on the 24 of September 2001 Mrs Wendy Klien a customer of your bank initiates an outgoing FT for USD 2000 Since all weekends are considered as holidays at your bank while processing the transfer all debits against her account for six working days preceding the 24 i e up to the 16 September will be tracked against her SS number Again on the 1 of October 2001 she initiates another outgoing transfer which necessitates a deduction of USD 700 on her account While processing the transfer the system checks for all debits upto the 21 of September ou ORACLE An amount of USD 2000 has already been tracked against her SS number on the 24 of September However since the current debit exceeds the maximum limit of USD 2500 for a running seven day working period the transfer will be processed only if you confirm the override The following validations will be done by system for SSN EIN ITIN and ATIN number 2 2 2 6 SSN Validation All the digits to be number and length should be equal to 9 First 3 digits cannot exceed 799 cannot 000 cannot 666 digits 4 and 5 cannot 00 last 4 digits cannot 0000
102. Notification message before debiting the customer s personal current account for debit interest or charges Maintaining initial funding details for new accounts Indicating whether Escrow transfer is applicable or not for new accounts Each of the parameters has been discussed in detail in the subsequent sections Account Class and Description The account class code is a unique 6 character code which identifies the class Along with the class code you need to assign an appropriate description to the account class For instance let us assume you are defining a class for savings account of individuals You could associate the code SB IND with it Similarly the description that you associate with it could be something like this Savings accounts of individuals Account Type The six different types of accounts that you can maintain are e Nostro account your bank s accounts with another bank ORACLE e Miscellaneous Debit Each transaction is entered with a reference number In the miscellaneous debit account a single debit transaction is matched subsequently with credits against the same reference number While posting transactions into this account if the first entry is a debit the subsequent reconciling entries should be all credits The system gives you a break up of the balance by the reference number Example Let us assume that for the month of November 2000 your bank has to spend USD 10 000 on miscellaneou
103. Number The credit facility granted to any customer is tracked against this Liability Number of the customer The default liability number of a customer is the same as his customer code However you have the option of tracking the credit limit of this customer against an existing liability number for another customer Thus if the liability number of the customer is the same as the customer s code it implies that the liability granted to the customer is exclusive to the particular customer Conversely if the liability number of a customer is different from the customer code it implies that the liability of the specific customer is tracked against a parent customer This parameter helps you to assign the same liability structure for a group of customers This feature is useful when you have several subsidiary companies divisions reporting to the same parent company Example While assigning a liability number to Opel Motors Germany a subsidiary of General Motors US you can track the liability of Opel Motors against General Motors Full Name You can specify the full name of the customer in this field Type You have to indicate the Type to which the customer whose details you are capturing belongs The options available are ORACLE 2 2 2 2 2 2 1 e Individual e Corporate e Bank To recall if a customer record is created from an external Siebel CRM application after a successful upload into Oracle FLEXCUBE the CR
104. Number User Reference Number Source Code You can query on the records by specifying any of the following criteria and clicking on Search button e Authorization Status e Record Status e Reference Number e User Ref Number All the records that match the query criteria specified are displayed If you do not specify any criteria before clicking Search all records are displayed To view a record in detail double click on it 2 13 4 Maintaining Household Codes for Customers You can maintain household codes for customers in the House Hold Code Maintenance screen You can invoke this screen by typing STDHSHLD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button aoe ORACLE Household Maintenance Screen Maker Date Time Mod Humber Checker Date Time Record Status Authorization Status Specify the following fields House Hold Code Specify the house hold code here Description Provide a valid description for the house hold code 2 14 Multiple Relationships The credit facility granted to any customer is tracked against the Liability Number of the customer You can also track the liability of a customer child against a different customer parent Thus the liability number emphasizes only one kind of relationship that of the parent with the child However a customer of your bank can have relationships with other customers of your bank
105. O Regenerate Last Submitted Date Regenerate Notice In this screen you can enter the following details Bank Details Branch Code Specify the branch code for the bank Branch Name Specify the branch name for the bank Address Line 1 Specify the address of the bank 2 121 ORACLE Address Line 2 Specify the address of the bank Address Line 3 Specify the address of the bank Customer Details Customer Number Specify the customer number of the customer Customer Name Specify the name of customer Customer Line 1 Specify the address of the customer Customer Line 2 Specify the address of the customer Customer Line 3 Specify the address of the customer Customer Line 4 Specify the address of the customer Account Number Specify the account number of the customer Clarification Received if any Specify the clarification received if any Report Details Financial Year Specify the financial year of transaction to generate report The option list displays all valid financial years maintained in the system Choose the appropriate one Report Group Select the report group from the drop down list The available options are ees ORACLE e 1099 INT e 1099 OID e 1099 MISC e 1042 S Status of IRS Report Select the status of IRS report from the drop down list The available options are e Advice Generated e Awaiting customer confirmation e IRS correction received e Notification Sen
106. PL SQL code After writing the PL SQL code click Execute button to compile the code The algorithm rule is validated by the system and the success or failure message is shown in the Error editor Click Errors button to view the errors If any checks fail you must alter the statement so that the validation can be made successfully The algorithm is generated on Authorization of the rule Click the Clear button the Algorithm Rule editor and the Error editor will be cleared for you to enter a new rule in the field oe ORACLE The System provides two pre defined key elements both for Check Digit Generation and Validation type of algorithms They are e _branch_code e customer_no You will not be allowed to enter the following keywords in an Algorithm Rule e ROLLBACK e COMMIT e DECLARE e DELETE e UPDATE e INSERT Once defined you will not be allowed to unlock and amend the following fields e Algorithm Rule e Algorithm Description e Function Type You can refer the Clearing user manual for more information 3 4 9 Maintaining Turnover Limits You can maintain turnover limits for a given period of time using the Turnover Limit Maintenance screen You can attach these limits to an account class and thereby track the turnover on all accounts under the account class 3 84 ORACLE You can invoke the Turnover Limit Maintenance screen by typing STDTOLMT in the field at the top right
107. Record Status Liability identification Colaleral Value Offset Margrit Limi Contribution Start Date Expiry Date Collalere SSS Authorization Status Record Status Authorized G Closed U Unauthorized Oo Open 6 2 8 Viewing Assets Liabilities Details You can view the total asset and total liability for the selected customer through the Customer Position screen Click the Asset Liab button The Assets Liabilities Summary screen appears All Assets and Liabilities transactions are displayed in Asset and Liabilities transaction blocks along with the local currency equivalent for each transaction The total for Assets and the total for Liabilities are also displayed at the end of each block Asset Sum of Current balance of All the account having ve balance Sum of all the Loans outstanding balance Linked to a given customer Sum of all MM placements of the customers Liability Sum of Current balance of all the account having ve balance Sum of all the Deposits Linked to a given customer Sum of all MM borrowings of the customer Invoke the Customer Asset amp Liability Query screen by typing ACDSQASL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Asset amp Liability Query Customer Details Customer Description Linked Customer QUERY Customer ID Customer Name Authorised Status Contract Status Branch Referenc
108. Report and Threshold Limit Enter the following details IRS Customer Reporting Select IRS customer group for which tax will be calculated from the drop down list The available options are e 1099 OID e 1099 MISC e 1042 S e 1099 INT Interest Earnings Threshold Limit Specify the interest earning threshold limit Miscellaneous Earnings Threshold Limit Specify the miscellaneous threshold earnings limit Penalty Threshold Limit Specify the penalty threshold limit Tax Threshold Limit Specify the tax threshold limit After you have made the inputs click the Save icon to save your record A record is not used until a user other than you authorizes it To authorize click Authorize button in the toolbar If any modifications were made the old and the new values will be displayed After which an alert box will indicate that the change will be authorized You will be prompted to conform To confirm click OK button The change will be authorized Your User ID the date and time at which the authorization was made will be displayed in the Auth ID and date and time fields at the bottom of the screen The status of the record will be updated to Authorized If you do not want to authorize the change then click Exit icon you will be returned to the screen from where you invoked the authorization function Remember that you cannot authorize an event that you have input Only another user who has the requisite rights can au
109. Required NRA e W 8 e W 9 IRS Notification Received Date Enter the IRS notification received date using the adjoining calendar Customer Notification Send Date Enter the customer notification send date using the adjoining calendar IRS Certification Status Start Date Enter the IRS certification status start date for withholding tax using the adjoining calendar ane ORACLE IRS Certification Status End Date Enter the IRS certification status end date for withholding tax using the adjoining calendar Tin Validation The system defaults the Tin validation from the Customer Category Maintenance screen The validation of the TIN with Customer Name will be done manually and status will be updated in the system However you can modify it Tin Format Mask The system defaults the Tin format mask from the Customer Category Maintenance screen Last Validation On Specify the last validation date of Tax number using the adjoining calendar IRS Customer Reporting The system defaults the IRS customer group from the Customer Category Maintenance screen Withholding Tax Limit The system defaults the withholding tax limit from the Customer Category Maintenance screen However you can modify it NRA Indicator The system defaults the NRA indicator from the Customer Category Maintenance screen NRA Certification Date Specify the NRA certification date using the adjoining calendar NRA Re Certify Date The sys
110. Standing Instructions Payment and Collections modules and the Product Definition screen of the Clearing module While maintaining the details of an FT SI PC or CG product you can indicate whether transactions involving the product need to be considered for referral checks Enabling this option indicates whether the product needs to be considered for referral If a product is marked for referral the details of transactions resulting in the account involved in the transaction moving into Overdraft will be sent to the Referral Queue 4 1 1 2 Specifying Referral Cut off Time In branch parameter you have to specify the referral cut off time for accepting rejecting transactions in the referral queue In case a transaction is rejected from the referral queue after the cut off time then system displays the following override message Rejected after cut off time Transactions are accepted into the Referral Queue even after cut off time if account goes into overdraft 4 1 1 3 Enabling Netting Required Option If linked accounts are marked for referral you can choose to consolidate the balances in all the linked accounts before performing the referral check To process linked accounts which are marked for referral you will need to enable the Netting Required option in the following screens 4 1 1 4 Enabling Limit Maintenance Screen Enabling this option indicates that the netting of balances is allowed for accounts linked to the cred
111. Times Interim Transactions Report Times Balance Report This screen contains the details necessary for the account generation parameters The message details the balance of an account or group of accounts under a particular account class The account balances indicate the condition of the account for an identified time period 3 2 21 1 Specifying Interim Transactions Report Generate Message Check this box to indicate that the accounts belonging to the account class are to be considered for periodic interim statement generation i e MT 942 Generate Message Only On Movement Check this box to indicate that the interim statement needs to be generated only if additional entries have been posted subsequent to the previous interim statement generation Report Transaction Since This is a list of all the transactions the accounts under a class have undergone on basis of which the transactions would be reported in the interim account statement You can choose the appropriate values applicable e Previous MT942 This indicates that all transactions posted and authorized since previous MT942 would be sent in the current interim statement 22 ORACLE e Previous MT940 MT950 This indicates that all transactions posted and authorized since previous MT940 MT950 would be sent in the current interim statement If this option is selected user will have to specify the cycle of account statement to be considered Minimum Debit
112. _ Check Digit Validation Required NAISC Code gt lt ii Group MIS Joint Recurring Transfer Linked Entities Text Fields Image CLS Restrictions MT920 Domestic Professional Issuer Co s OFAC Check Linked Account KYC Details Regulation HouseHold Code Change Log Maker Date Time Record Status Checker Date Time Authorization Status a ORACLE 2 2 4 1 Indicating whether AML Reporting is required As a CIF level parameter you can specify whether AML Reporting is required for the customer You can check the box positioned next to this field to indicate that AML reporting should be done for the customer whose details you are maintaining If you indicate that AML Reporting is required the code assigned to the customer whose details you are maintaining is defaulted to the Customer Group field since the system recognizes each customer code as a customer group You can choose to either categorize the customer under the same group or choose another customer group If you leave the box unchecked the system will suppress the generation of AML reports for the customer 2 2 4 2 Specifying Utility Provider Details Utility Providers are the recipients of the bill payment Typical entities involved in a bill payment transaction are the consumer your bank and the institutions utility providers If the customer whose details you a
113. a stances E E 2 45 20 Maintaining Regulation Details ccccccccccccccccc cece cece cece cece ccc eee e EEE EEE ELLE EEE EEE E EEE E EEE EEE E EEE E EERE EERE EERE 2 52 2 3 8 Listing Document Checklist for Customers cccccccccccc EERE EEE 2 53 2 3 9 Linking House Hold Codes to Customers ccccccccccccccc cece cece EEE EEE 2 54 2 3 10 Maintaining Waiver for Customer Tax Group cccccccccccccccc cece cece cece cece cece eee e eee e eee e ee EEE EEE EEE EEE EEE EE EERE EEE 2 56 2 3 11 Maintaining Tax Allowance Limit fOr Customers cccccccccccc cece cece eke cece keke eee E eee EEE EEE EEE EEE EEE EEE 2 58 23d2 Amendment Mainte hanCtecosiisoriseiiiiiniien in aeaa iE AS aE E a E a a ea Eaa 2 59 2 3 13 Specifying Details for Generation of MT920 cccccc cc EERE EEE 2 62 2 3 14 Maintaining Multiple Communication AAdresses cccccccccccc cece cc cece EEE EEE EEE 2 63 2A MAINTAINING STA IE CO eects ee cae ges tbe nats neato ee eee eg dose neeteieeadacns 2 66 ko MAINTAINING BNC OS peenar p cna em es dec dc eso teow eats beefs S 2 67 2 MAINTAINING NAICS CODES parsers erect ean a sincere deen eco tcds neeeplanemrecteeneeteeteiaadstne 2 67 2 MAINTAINING INDUSTRY CODE DETATCS resinsint eaa aii ie aaa aE eaaa ae 2 68 230 BIN ING OS OME Ri AGO saioen nce cee eer apneic tees eens amet cteetacanastnes 2 69 2 6 1 Invoking Customer Category Screen vases sccusesesapstatiiusiagudvesdtivinsdadeebeshettaaus dghdsssdtedustansehsdsahackieeade
114. aaaeeeeeeeeees 3 12 3 2 5 Capturing Details about Specially Designated Nationals o on 3 13 3 2 6 Specifying your Preferences for Account CLASS oiciccccccccccccccscccsscscccseecsseeeeeesesseeeesaeaeaaaeaaaaaaaaaaaaaaaaes 3 14 3 2 7 Maintaining Welfare Reform Act Details cccccccccccccccccc cece cece cece ccc ccc keke eee EEE EEE EEE EEE EEE ELLE EE EEE EEE EEE 3 18 3 2 8 Specifying Liquidation Preferences for Debit Interest ANd Charges ccccccecccccssccscccccsceeeeseeeeeeeeeees 3 20 3 2 9 Maintaining Details for Free BANkKing ccccccccccccccc ccc cece cece cece kc cc kkk kkk k kkk EEE EEE E EEE E EEE E EEE E EEE EE EEE EE ERLE EEE EE 3 21 3 2 10 Specifying Initial Funding Preferences 000nnnnnnnnnnnnnnneneneeenesnnnsensnsssnsssssssssssssssssssssssssssssssssnne 3 22 3 2 11 Maintaining Provisioning Details 00000000nannnnnnnnnnneeneessnnseeeessssssssssssnssssssnssssssssssssssssssssssssssrnnt 3 22 SDAP Maintaining Escrow Details ceisir nienia iii ENNER REEE NERA ia eiii hari EE aai 3 23 3 2 13 Maintaining the Waiting Period for First Debit and OD Transaction 0000nnnnooooeeeeeeeeeeeenennnnns 3 23 3 2 14 Maintaining IRS Indicator for Tax R POrting ccccccccccc ccc EEE EEE EEE EEE 3 24 3 2 15 Maintaining Status Codes for Account CLASS cccccccccccccccccc cece cece cece e ieee eee tees ee eeeebetbetteeeeteeeeeeeeeesaaaaas 3 24 3 2 16 Specifying Reporting line Details ccccc cece cece 3 25 3217 Manami
115. able Customer Status Not Applicable v ewe _ Verify Funds Charges OD Waiting Period in days m R _ Debit Notice _ Charge Start Advice IRS Indicator for Tax Reporting Liquidation Days __ IRS Indicator Liquidation Mode v O Advice Days Free Period Branch Currency Restriction Customers Categories MIS Preferences REG Deposit Auto Deposit Status Rule Amt Block Statement Notice Redemption Details Maker Date Time Mod Number Record Status Cancel Checker Date Time Authorization Status Defining an Account Class includes the maintenance of the following parameters 1 Assigning a unique Code to the Account Class and associating an appropriate description with the class 2 Indicating the type of account for which account class is being maintained 3 Specifying the period after which accounts in this class should become dormant if no customer transaction is posted into the account 4 Indicating the date from when new accounts can be created under the account class 5 Indicating the end date after which the new accounts cannot be created for the account class 6 Maintaining the different statuses applicable to the accounts for which the account class is being defined This would be used for tracking NPA s on current and savings accounts 7 Maintaining status wise GLs for provisioning 8 Identifying the reporting lines GL Line Federal Reserve Lines and the
116. active authorized mail codes You can query the records based on their authorization and record status 2 2 11 Maintaining Professional Details of Individual Customers After having captured the Domestic details of the individual customer you can capture the professional details about the customer These details include the customer s employment status employer details or the annual expenses that the customer incurs and so on Click Professional button in the Personal Details screen The Customer Professional Details screen will be displayed Customer Professional Details Employement Employement Fulltime permanent Employement Details Retirement Age e Previous Designation ay Previous Employer CO Current Designation i Current Employer Income Official Address county id wy fd soe A ze fia Country Name Contact Salary Not Available Currency of amounts O0 E E mail E Insurance a Loan Payments a House Value Number of Credit Cards ee Expense You can capture the following professional details of the individual type of customer through this screen Employment Details e The employment status of the customer full time permanent full time temporary part time self employed retired pensioned retired non pensioned unemployed e The number of years the customer has been in his her current job e The age at which the customer is due to retire from his her current job or busines
117. ain account and the Sub limit for the main account minus the Total transactions received on all accounts is less than zero All transactions received are referred even if a transaction is on an account which has sufficient credit balance to pay the transaction If an account is set for principal it means that it is automatically set for interest pooling too However if an account is marked only for interest set off the system does not perform the principal set off for referral Account Limits sub screen of the Customer Account Maintenance screen The Netting Allowed option is defaulted from the Credit Line associated with the customer account If you change the default option the system displays an override message Liability Maintenance sub screen of the Customer Information screen The netting option is defaulted to the Liability Maintenance sub screen of the Customer Maintenance screen This option is defaulted from the Liability Code which is linked to the Credit Line that you associate with the CIF ID If you change the default the system displays an override message 4 1 1 5 Future dated Funds Transfers FT Entries are not passed for future dated FTs and Sls in case of insufficient funds Such transactions are moved to the Referral Queue for Approval pay Rejection un pay The pool balance defined in the LM Structure Maintenance is the balance which is considered for OD 4 4 ORACLE 4 1 1 6 4 1 1 7 4 1 1
118. al Specify the date of business approval using adjoining calendar Trade Licence Number Specify the trade licence number The adjoining option list displays all valid licence numbers maintained in the system You can choose the appropriate one KYC Next Review Date Specify the next date of KYC review Comments KYC Specify the comments on the KYC details of the corporate customer Sales and Service Officer Specify the comments of sales and service officer on the corporate customer Approvers Specify the name and comments of the approvers of the corporate customers 2 16 1 2 Corporate or Audit HO Details Tab Click Corporate or Audit HO Details tab in the KYC Corporate Profile screen KYC Corporate Profile ee Main Compliance PR udt Ht Name STR Raised STR Date STR Reference Number Here you can specify the following details a ORACLE CID Number Specify the CID number of the corporate customer Name Specify the name of the corporate customer STR Raised Check this box to indicate that the STR should be raised STR Date Specify the date of STR using adjoining calendar button STR Reference Number Specify the reference number of the STR CB Response Check this box to indicate that the CB should be responded CB Response Date Specify the date of CB Respons
119. alance e Total Available Balance e Total Linked Balance Based on you query the system displays the balances in each account held by the customer The details of accounts displayed in this section are e Branch Code e Account Number e Linked Amount e Current Balance e Available Balance e Uncollected Funds e Amount Blocked e Value Dated Balance e Line ID You may view the balance details of each account shown on this screen Double click a record to view the details pertaining to that account The system displays the Customer Account Balance Query screen with details of the selected account 6 4 STOP This feature can be used only for single branch and single currency customers Example Consider a customer account RELIND001 with the following details A C Currency Current Uncollected Blocked Monthly Avg Bal Number Balance Funds Amount as of 10 April 2009 CHO 9214644499 907000 5000 2000 60000 9229456780 94000 3000 1000 18000 Following are the interest products on the account as of 10 April 2009 Product Interest Rate Liquidation frequency Calculation method CRIN Monthly at end of month Actual Actual DRIN Monthly at end of month Actual Actual The system will display the following details at the customer level on the screen Accoun Linked Unco Line Id Amount t No Amoun llecte Blocked t CHO 5214644 907000 900000 90700 900000 5000 DFLT_LI 2000 499 0 NE1 CHO 9229456
120. alance of all the plans of the selected type IRA codes that you have marked for not reporting to the IRS will be left out of all of the above summations 8 9 IRS Form 1099 R Oracle FLEXCUBE allows you to generate Form 1099 R for reporting distributions from a selected type of IRA plan for any year to the Internal Revenue Service IRS You can generate this report for Filing with IRS authorities 8 10 ORACLE e Providing a copy to your customer e Keeping an internal copy for you You can generate Form 1099 R either as part of initial filing with the IRS or after you have filed tax returns for that particular year 8 9 1 Generating Form 1099 R as Part of Initial Filing During normal generation of Form 1099 R as part of your initial filing with the IRS the system will include all transactions entered in the previous year for the previous year For example during normal generation of Form 1099 R on say January 20 2003 all transactions entered during 2002 and pertaining to the financial year 2002 will be reported 8 9 2 Generating Form 1099 R after Tax Filing During corrected generation post the date of tax filing the system will include apart from all the transactions included in normal generation such transactions which are entered in the current year for the previous year The report shows the total contributions for the year 8 9 3 Details printed on Form 1099 R Oracle FLEXCUBE generates Form 1099 R for each customer
121. ameter maintained at the account level will super cede the parameter you have specified here Account Statement Format Specify the format in which account statement should be generated The adjoining option list displays all valid formats maintained in the system You can select the appropriate one Display IBAN in Advices For an account class you can indicate whether the IBAN number of the customers involving the accounts within the class should be printed on advices sent to the customer If you would like to print the IBAN number of the customers on advices sent to the customers involving the account class you can enable the Display IBAN in Advices option by checking it Your specification will be made applicable to all customers linked to the account class You will be allowed to change this option for a specific account IBAN Account numbers for specific customers can be captured while defining a specific account through the IBAN Sub screen of the Customer Account Maintenance screen ORACLE Dual Currency Deposit Check this box to enable the account class for Dual Currency Deposit DCD type Dual Currency Deposit DCD is a short term currency linked deposit that allows you to earn a higher interest rate than regular CD s You will be allowed to check this field only for Deposit Account Type If this box is checked for other Account types system throws an error First Statement Block Days Specify the numbe
122. an be closed if required for the purpose of doing a manual liquidation for loan prepayment For multiple Loan instalments No Of Days for Salary Block 15 days Salary credit amount 10000 AED credited on 30 Oct 2009 Loan Installment Amt 5000 AED due on 05 Nov 2009 Loan2 Installment Amt 3000 AED due on 10 Nov 2009 In this case 2 block amount transactions will be placed by system on 30 oct 2009 on Salary credit date in the order of loan installment due date with block amounts No of days for Closing Unauthorized Accounts with No Activity Specify the number of days after which the unauthorized accounts without any activity should be automatically closed No of days for Closing Authorized Accounts with No Activity Specify the number of days after which the authorized accounts without any activity should be automatically closed i ORACLE For details on Check book preferences refer the section titled Maintaining Check Book Preferences in this user manual 3 2 Maintaining Welfare Reform Act Details Oracle Flexcube allows you to maintain welfare reform act preferences for the account class You need to specify the following details for the same Account Type Choose one of the following for account type from the drop down e Not Applicable e Savings Account e Checking Demand Deposit Account e Certificate of Deposit Certificate e Money Market Account e _ IRA Keogh Account e ERISA Plan Accounts e Cash Balance
123. an view details of customer s non public personal information shared with the third parties Addresses l This button invokes the Multiple Address Maintenance screen in which you can maintain multiple addresses for a customer Through this button you can capture the document checklist for customers and thereby list the mandatory and non mandatory documents House Hold This invokes the House Hold Codes screen where you can view Codes the house hold codes maintained for a customer 2 3 4 Viewing Debit Card Details Click Cards button to view details about debit cards issued to a customer ome ORACLE Cards Summary Screen Branch Code undefined Customer Mo lundefined Account Humber lundefined __ C Authorisation Status Record Status Branch Code LBL_REQUEST_REFERENCE_NO CardMumber Customer Mo Account Mo Here you can view the following details Branch Code The branch code is displayed from the main Customer Information Maintenance screen Customer Number The customer identification code CIF is displayed from the main Customer Information Maintenance screen Account Number The system displays the account number against which you have maintained debit card details Authorization Status Indicate the authorization status of the debit card by selecting one of the following values e Authorized e Unauthorized Record Status Indicate the record status of the debit card
124. ance will look like EVENT DESCRIPTION REVERSAL where reversal is the actual event happening The word REVERSAL itself is picked up from the same screen for Event type of narratives e ORACLE The same logic applies to the other type of narratives 3 4 6 Maintaining Customer Instruction Details Instructions Maintenance screen allows users to maintain instructions for customers with the current branch as the local branch Invoke this screen by typing CSDINSTR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Instructions Maintenance Customer Number F02000115 Customer Name SAIDEEP1 Instructions Details 1 Testing Instructions 2007 11 27 CI 2 Testing Instructions 2 2007 11 27 2007 1 1 20 LI Institution ld Instruction Description Inztruction Date Instruction Expiry Date Maker A27208M01 Date Time 2007 11 30 12 32 55 Mod No 4 Checker APT208404 Date Time 2007 11 30 12 34 11 Record Status Open Authorization Status Authorized Customer Number Specify the required Customer Number from the list of values maintained Customer Name The name of the customer is displayed here Instruction Id Unique ID for the instruction is displayed here Instruction Date Specify the date on which the instruction is added You can select the date from the adjoining calendar Instruction Expiry Date Specify the date on which the instru
125. ansaction The option list displays all valid account numbers maintained in the system Choose the appropriate one Payment Amount Enter the payment amount 8 12 ORACLE Payment Type Select the payment type from the drop down list for the transaction The available options are e Rent e Royalty e Payments Attorney e Prizes e Awards e Gift Cards Transaction Reference Number Specify the transaction reference number for payment transaction Financial Year Specify the financial year of transaction The option list displays all valid financial years maintained in the system Choose the appropriate one Click OK button to generate the report click Exit to return to the Reports Browser 8 11 Customer Account Opening Confirmation Report You can generate a report for the customer confirming that his her account with the bank has been successfully opened This report contains the following details e Customer number e Client account number e Matter e Account details You can generate the Customer Account Opening Confirmation report for one customer or all the customers at once as of a specific date To generate the report invoke Customer Account Opening Confirmation screen You can invoke this screen by typing the code CSRPACCO in the field at the top right corner of the Application tool bar and click on the adjoining arrow button Customer Account Opening Confirmation LBL_CUST_RPT
126. ant screens by clicking on the respective buttons The information that you capture in these screens forms more a part of a credit line questionnaire Whenever you are deciding on a credit limit for an individual customer you can use these details for verification You have to maintain the following parameters for every individual type of customer Prefix 1 2 and 3 Specify the title prefixed to the name of the customer whose code is input against Customer Code in the Main section The title could be Mr Mrs Ms Dr Prof etc The academic titles like Prof Dr etc of the customer along with the salutations like Consulate Senator Chancellor etc You can either select the prefixes from the option list key in a prefix of your choice Suffix Specify the suffix if any to the name of the customer whose code is input against Customer Code in the Main section ae ORACLE First Name Specify the First name of the customer Middle Name Specify the Middle name of the customer Last Name Specify the Last name of the customer Sex Specify the gender of the customer Minor Check this box to indicate that the customer is a minor Submit Age Proof Indicate the age proof submission status of the minor to major from the drop down list The available options are e Not required e Pending e Verified Note the following e Any out flow or debit transaction is posted on a particular customer s accou
127. ased on the number of days mentioned at Branch Parameters level for advice generation The customer will receive an advice in the following sample format RH lt Customer Minor Major Advice gt Date BRANCHDATE _ Bank Name gt BANK NAME _ Branch Address BRANCH ADDR__ Customer Name CUST NAME1 _ Customer ID CUSTOMER __ You are attaining the Major status on DATE_ Hence please submit the necessary documents on or before DATE EH B SC AUTHORIZED SIGNATORY HEC EB ene ORACLE 3 Maintaining Mandatory Information 3 1 Introduction As part of capturing customer related information in Oracle FLEXCUBE you need to maintain Customer Information Files CIF records for each entity who is a customer of your bank Apart from creating CIF records for each entity you need to maintain separate accounts for each customer The features of these two screens have been discussed in detail in the preceding sections While defining CIF records and Customer Accounts you would have noticed that many of the fields have option lists positioned next to them While some option lists contain pre defined values for some option lists to be populated you need to capture data through separate screens For instance while maintaining CIF records you need to associate each customer with a customer category For this purpose you will need to maintain customer categories before you begin to maintain CIF records Similarly each customer acc
128. ass Transfer summary screen You can invoke the Account Class Transfer summary screen by typing STSACTFR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Account Class Transfer _ Advanced Search Refresh Reset Records per page 15 PP ee Authorization Status Record Status Branch Code Account Class Old Account Class Account Next Liquidatio 005 CACIN CACCS 1111111124 NO SAVIN SAVST 00100008601 SAIR SAVIN 1111111121 SAVST SA 00100010502 S i 1111111120 1111111126 00100026402 00100008607 00100042902 O Authorized Authorized O co it 3 oO 5 r t5 3 Authorized U Unauthorized D U vU vU U LS Authorized O Authorized Authorized oO 3 Authorized o o o o o o o o o o C H om mb amp oO ob om oo O 3 Authorized You can view records based on any or all of the following criteria Authorization Status You can view records based on the authorization status of the account class transfer by selecting an option from the adjoining drop down list This list provides the following options Authorized Select this option if the account class transfer is Authorized e Unauthorized Select this option if the account class transfer is unauthorized Branch Code Select a valid branch code if you need to view
129. atch as explained in the previous section If status processing is indicated to be processed at group CIF level you can indicate the frequency at which the provisioning batch is to be executed for your branch You can specify the provisioning frequency in the Branch Parameters Preferences screen The frequency options available are daily and monthly To view the Branch Parameters Preferences screen refer the Core Services user manual The Provisioning Process If status processing for your branch is done at customer group CIF level as specified in the Branch Parameters the provisioning process executes according to the frequency defined in the Branch Parameters The process executes as described below 1 The exposure categories for the customer group or CIF are first derived either from the specification for the same in the contract and account details or depending upon the total exposure of the group or CIF according to the logic maintained for deriving the exposure category in the Exposure Type Category Linkage maintenance When the exposure category for a CIF or customer group is derived according to the logic maintained in the Exposure Category Type Linkage screen the outstanding overdraft in all accounts belonging to the group CIF as well as the exposure due to loans issued to the group CIF is summed to compute the total exposure 5 11 ORACLE 2 The provisioning percentage applicable is then derived either from the co
130. ated to credit is defaulted here You can select a valid line code from the adjoining option list if needed Debit The line code related to debit is defaulted here You can select a valid line code from the adjoining option list if needed CB Lines You can maintain the credit and debit details of the Federal Reserve reporting lines for your account here oaks ORACLE Credit The line code related to credit is defaulted here You can select a valid line code from the adjoining option list if needed Debit The line code related to debit is defaulted here You can select a valid line code from the adjoining option list if needed 3 4 3 Processing Account Class Transfer Oracle FLEXCUBE facilitates the change of account class at the customer level without changing the customer account number Depending on the destination account class system defaults reports the reporting GL lines and IC related values 3 4 3 1 Processing EOD Batch During IC EOD process system considers interest accrual for the back value dated transactions carried out prior to account class transfer and computes the interest from the effective date of transfer based on new account class values If the value date of the back value transaction is before the effective date of transfer then the system does not compute interest for the period between value date and effective date System does not process IC calculation of back valued UDE change back value
131. ber im Politically Exposed Person Office Tel Number Passport Expiry Date PEP Remarks Residence Tel No Visa Number Local Address Mobile Tel Number Visa Expiry Date Fax KYC Amounts CCY Purpose Of Account Openin g Others Home Country Address Beneficially Owned Company C Company Name Location Holding Annualincome Line Of Business Source of Income m Salary 10f1 7 Rental Related Companies Acoounts with Bank ee eet im Investment Company Account Number O Personal Accounts Number Business Concern gt Professional Bussiness The system displays the following details of the retail customer Beneficial Owner Information e Whether the beneficial owner is declared as a resident e Whether the beneficial owner is declared as politically exposed person e Remarks on the politically exposed person e Local address of the beneficial owner e Home country address of the beneficial owner e Birth date of the beneficial owner e Place of birth of the beneficial owner e Nationality of the beneficial owner e Telephone number of the beneficial owner s office e Residential telephone number of the beneficial owner e Mobile phone number of the beneficial owner e Fax number of the beneficial owner e Purpose of opening the account e Other details e Type of account e Whether power of attorney is given to beneficial owner e Passport number of beneficial owner e Expiry date of the passport Te ORACLE e Visa number of the benef
132. bove screen you may specify the following details for each state you wish to maintain State Code Specify the state code State Description Provide a description of the state code a ORACLE 2 5 2 6 Escheatment Days Specify the period in days after which the customer account moves into escheatment This period starts from the last contact date of the customer Escheatment days must be greater than dormancy days The bank initiates the process of closing the accounts of Marked for Escheatment customer and moves the funds to State s account Escheatment GL Maintaining Ethnic Codes Use the Ethnic Code Maintenance screen for maintaining ethnic codes This maintenance helps you in selecting the necessary code during customer set up To invoke the Ethnic Code Maintenance screen first select Customer Maintenance from the Application Browser Under that click Ethnic Codes and then click Detailed You can invoke the above screen by also entering CSDZETHN in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button Ethnic Code Maintenance Ethnic Code x Maker Date Time Mod Number Checker Date Time Record Status Authorization Status For maintaining an ethnic code specify the following e Ethnic code e Ethnicity against the Description field Maintaining NAICS Codes 2 67 ORACLE 2 7 The NAICS code is the numeric code that
133. can link loans to a single customer only the following pairs should also be maintained as customers ve ORACLE John and Jane Doe o John Doe and Mary Bloggs e John Doe and Jack Black Builders o John Doe and Joe Green Builders The linkage between the above individuals will be as follows Depending on the type of loan availed and the Customer involved in it the exposure report will display the accounts of the individuals as depicted in the table below Customer Account John Jack Mary Joe Doe OR Black Bloggs Green John Doe Builder John Doe Personal Car Loan 2 94 ORACLE John and Home Loan Y Jane Doe John Doe Home Loan Y and Mary Bloggs John Doe Commercial Building Loan Contractor Current Account Equipment Lease Customer John Doe and Jack Black Builders John Doe and Joe Green Builders Jack Black Builder Joe Green Builders John Doe OR John Doe Builder Account Commercial Current Account Commercial Loan Bridging Current Account Term Loan Current Account Commercial Current Account 2 14 3 Maintaining Customer Groups You can maintain customer groups for any of the following reasons e Tracking Exposure for loans as well as outstanding overdrafts in accounts of customers involving the group in which case it would comprise of either Corporate or Retail customers e Defining Group specific rules in which case it would eit
134. ch button Based on the search criteria the system displays a list of house hold codes with the following details e Record Status e Authorization Status e Customer Name e Household Code 2 3 10 Maintaining Waiver for Customer Tax Group You can maintain waiver related information for Customer Tax Group Tax Category combination Invoke this screen by typing STDTAXWYV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Tax Waiver Maintenance Customer Group a Description Customer Number a Description Tax Category a Description Tax Currency i Description Product Or Account Class E Description From Date To Date Waiver Percentage Input By DOCS Date Time Modification Number Authorised Authorised By Date Time E open Customer Group You need to specify the Customer Group for which you wish to maintain Tax waiver Select a customer group from the option list provided ove ORACLE Customer Number All customers who have been maintained under the selected customer tax group will appear for selection If the maintenance is applicable to all customers select All as customer number If no maintenance is done then there will be no tax waiver at the customer level Tax Category You need to specify a tax category for which you wish to main tax waiver Tax Currency You need to specify the currency
135. ch Code Calculation Account Interest Booking Account Charge Booking Account Consolidating Account Product Details Product UDE Currency UDE Effective Date L IE pooooooraot 00000007501 ER noonoo x C Interest Statement D ES Interest Start Date Charge Start Date Interest Booking Branch Charge Booking Branch Consolidated charge branch 2007 11 30 000 E C Dr Cr Advices 000 E Cid 1of1 F Waive i C Generate UDE Change Advice Open 1 of 1 _ User Defined Element ID User Defined Element Value Ral a JE The following details are captured here Branch Code The current branch code is defaulted here Calculation Account Select the valid customer account number for calculation from the adjoining option list Interest Booking Account Select the valid customer account number from the adjoining option list Interest Start Date Select to indicate the effective date to generate interest from the adjoining calendar Interest Booking Branch Select to indicate valid Branch for calculating the interest from the adjoining option list Interest Statement Check this box to generate the interest statement Charge Booking Account Select the valid customer account number for booking the charge from the adjoining option list 3 61 ORACLE Charge Start Date Specify to indicate the effe
136. ch a field is sent as part of an amendment request and is maintained in this screen then a value for that field is expected when the request comes in from the external system In case no value is passed Oracle FLEXCUBE updates the field to a null value If any value is passed the same is taken as the new value for that field 2 3 12 2 Processing for Node If the field selected is of type Node a check box called Full Amend gets enabled This pertains to only the Node type elements and not for the Element type Checking against Full Amend indicates that the external system always has to send the complete set of records for the subsystem whether amendment of that node is done or not By default the Full Amend field is unchecked a ORACLE In case Full Amend is checked system overwrites the details during amendment even if all field values pertaining to a particular subsystem are not sent In such a scenario Oracle FLEXCUBE updates the fields with the available data sent by the external system during an amendment If no records are passed for a subsystem during amendment the complete subsystem is set to a NULL value In case the flag Full Amend is not checked system copies the details from the previous version and then makes changes to the existing records based on values sent by the external system If any new record comes as part of an amendment record the system inserts the same If the uploa
137. chd Natl teedtastins 2 97 2 14 5 Storing Authorized Variations of Customer sS NAME ccccccccccc cece cece cece cece 2 98 2 14 6 Maintaining Float Days for Outward Clearing Customer Transaction cccccccccccccccccccceccceceeeeees 2 99 ZAG TiOCUMOM Maintenant E seissen ia a i daa E RAEE ER 2 101 o A E T a E E ere ee er E N 2 101 2151 Specifying KYC Value Details scnsscdcesciiasdanioniandi anaa a 2 102 2 16 MAINTAINING CUSTOMER K YC DETALS issacssessvesisortncecsassbasensstuseosaveaciandieseesnssbabuasstuvenvueniecuaesieceesaeset 2 107 Zoek MAINTAINING IRS DETAILS scence deniers ewensiesintari jen dersaauebeinia ae Baran Eaa E e SEERA 2 120 2 18 CREATING A MESSAGE ADVICE FORMAT cccssssccceceessseceesesssnceeeeesssneeeceessaeeessesssaeeeseesseasesseesseeeeseeees 2 125 MAINTAINING MANDATORY INFORMATION cccsscccsssscssssscccsssscsssssccssssscsssscssccsssscsssscsscsesssscssceees 3 1 3 1 BIST eD ea Ma E E A E A A A A TE 3 1 32 MAINTAINING ACCOUNT C LASSES cc sicocaretciers scent nee e EE 3 1 3 2 1 Invoking Account Class Maintenance Screen ccccccccccccccccccccc cece cece eee eee EEE EEE EEE EEE 3 2 3 2 2 DANTE Te ramele TS ha reese eh cerca E A T E E ene teeeeeeaeneeeee 3 8 3 2 3 Maintaining Check BOOK PVClCV Cn COS saeciersaicssstndacsasaiiaspasnidaupaatandencstadantauteiiadpaveiduchiedspiandaspaaedeaceer 3 11 3 2 4 Specifying US Federal Regulation Details cccccccccccccccccscsssccsccecseeseseseeseeeeeeecaeaeaaasaeaaaaa
138. ck MIS tab MIS Group Link to Group Customer Code 101002387 Customer MIS Code Composite MIS Code ABB MIS1 MIS4 MIS12 MIS13 MIS14 MIS15 MIS16 MIST Change Log Transfer Log For more details on the MIS screen refer the MIS User Manual 6 13 6 2 11 Viewing Projections You can view future settlement balances and outstanding FX and FT contracts for the selected customer account through the Customer Position screen Click Projection button Invoke the Customer Projections Query screen by typing ACDSQPRO in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Projections Customer 101002367 Customer Name vijayalakehmi Customer Account Number 100175 Balance ai oi DebitCredit Dr Linked Customer Linked Customer E Account Number Customer ID Customer Cashflow L Due Date User Reference Number Component Contract Reference Number Module Transaction Date Currency DebitiCred Total Amount Total Amount Debit Credit To view the settlement balance for the selected customer for a particular future date enter a date in the date field and click the Q button The system displays details of all the unsettled transactions which have occurred until the date indicated in the Date field Total indicates the sum total of all unsettled transactions in local currency for the selected customer number Check
139. corner of the Application tool bar and clicking on the adjoining arrow button Turnover Limit Maintenance Limit Code Description LBEL_PERIOD_DETAILS LBL 4 MTLMTDTLS Maker Date Time Mod Po Checker Date Time Record Status Authorization Status Here you need to specify the following details Limit Code Specify a unique code used to identify turnover limit Description Specify a brief description associated with the turnover limit Period Details You can specify the following details pertaining to the period for limit application Period Code Specify a unique code to identify the financial period for which you wish to maintain turnover limits ici ORACLE Start Date Specify the start date of the financial period using the adjoining calendar End Date Specify the end date of the financial period using the adjoining calendar You can maintain multiple period codes However the periods cannot overlap Limit Amount Details You can specify the following details pertaining limits applicable on the period code Limit Currency Specify the currency of the limit amount This adjoining option list displays all valid currency codes maintained in the system You can choose the appropriate one Limit Amount Specify the limit amount applicable of the financial period Note the following e You can increase or decrease the maximum turnover limit as part of record modification The modified limits
140. count are insufficient the clearing transaction is processed i e the relevant accounting entries are passed and the transaction is sent to the Referral Queue If the transaction is rejected the entries are reversed The status of the transaction is updated to Dishonored in the clearing log In case the transaction is accepted no processing is required apart from updating the charge counter If the account goes into overdraft all processed transactions for the day with transaction code marked for referral are moved to the Referral Queue However transactions which have already been accepted will not be marked for referral again If a transaction is to be marked for referral the transaction details are stored in a separate table The details in the referral screen are displayed from this table 4 5 ORACLE Note that transactions from Savings module will appear in the Posted tab You can get accounting entries reversed or confirm for the overdrawn account using the Intra Day Batch Start screen You can invoke this screen by typing BABIDBAT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Intra Day Batch Start Specify the following information Function Specify CSREFQPR or choose this value from the adjoining option list Click OK button to run the batch 4 6 ORACLE 5 Provisioning for Customer Accounts 5 1 Introduction
141. creen You can invoke this screen by typing STDREFQU in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button amp Referral Queue Account Number TOD Limit Start Date Tod Limit End Date Current Balance Available Balance Overdraft Limit Customer Name Posted UnPosted Reason REFERRAL QUEUE Posting Date Contract Reference Number Referal Description Dr Amount Pay Flag Unpay Flag Waive Charges ACCOUNT STATISTICS You will be able to view the following details about the entries which have been posted and those that are not to post e The Posting Date e The Contract Ref No DD Reference Number e A brief description about the Referral e The amount which is to be debited from the customer account e Pay e Un pay The default option is to approve Pay the check DD amount On occasion you may want to unpay or reject a check DD You will be allowed to levy charges both for approving as well as recalling rejecting checks There are no limits on the charges for recalling a check but you can levy approval charges for a maximum of three transactions only The charges for each accept reject are computed on the basis of the IC Charge Rule linked to the customer account You will not be allowed to recall or unpay future dated transactions typically future dated fund transfers or standing orders The transaction will be initiat
142. cting the same from the option list provided e Remarks Any additional remarks if required can be specified e Alias Names of the SDN You can specify a maximum of fifteen alias names e Addresses of the SDN You can specify a maximum of fifteen addresses of address line 1 to address line 4 fora SDN 3 2 6 Specifying your Preferences for Account Class Preferences are the options or attributes that uniquely distinguish an account class You can specify the preferences of an account class in the Preference screen ole ORACLE To invoke this screen click Preferences button in Account Class Maintenance screen Preferences Preferences C Limit Check C Overdraft Facility Pass Book Facility Track Receivable Account Statistics Fi Exclude Same Day Reversal Transactions from Statement E Back Period Entry Allowed AF Required _ Interest Statement Available Balance Check Required _ Referral Required C Status Change Automatic C Integrated Liquidity No Of Days For Salary Block No Of Days For Closing Unauthor ized Accounts With No Activity No Of Days For Closing Authoriz ed Accounts With No Activity Check Book Preferences Reorder Level Reorder Number of Leaves Max number of Check Rejections C Consolidation for Inward Clearing C Interest Charges a Track Accrued Interest Debit Credit Advices Posting Allowed C Lodgement Book _ Replicate Cust
143. ction will expire You can select the date from the adjoining calendar one ORACLE Instruction Description Specify the description of the Actual Instruction 3 4 6 1 Viewing Customer Instructions All the instructions maintained in the Instructions Maintenance screen can be viewed in the Customer Instructions View screen To invoke this screen specify the Customer number Contract reference number or Account number and press the hotkey F6 If F6 is pressed form customer account number field system fetches all the instructions of customer of the selected customer account If F6 is pressed from a contract reference number field system fetches all the instructions of the counterparty of the contract If F6 is pressed form customer field system fetches all the instructions of customer of the selected customer gt Customer Instructions View Customer Number Ed2000115 Customer Name SAIDEEPT Instructions Details Inztruction Id Inztruction Description Inztruction Date Instruction Expiry Date a 1 Testing Instructions 2007 11 27 The Customer Instruction View screen will be launched with all the instructions maintained for the customer The following fields can be viewed in this screen Customer Number Customer Name Instruction Id Instruction Date Instruction Expiry Date Instruction Description 3 79 ORACLE 3 4 6 2 Viewing the Instructions Summary You can view the summary of instru
144. ctions in the Instructions Summary screen It displays the status of the records maintained whether it is authorized unauthorized or rejected You can invoke this screen by typing CSSINSTR in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Instructions Summary Authorization Status C LES LOST Nu meer e E Advanced Search Records per page BB i of 1 Authorization Status Record Status Customer Number Authorized Open E01100040 Authorized Open E03000115 Authorized Open E03000118 Authorized Open EO3000120 Authorized Open E03000121 Authorized Open EX3000234 Authorized Open 001000130 To view the summary of instructions you can perform a search based on any of the following Authorization Status Select the Authorization status of the instruction as e Authorized e Unauthorized Record Status Select the record status of the instruction as e Open e Closed oe ORACLE Customer number Select a Customer number from the list to view the instructions maintained for that customer The following details of the record get displayed e Authorization Status e Record Status e Instruction Details This facility is generic for all the screens but you can make modifications for these instructions but for mashreq these instructions once authorized can neither be modified nor be
145. ctive date to generate charges from the adjoining calendar Charge Booking Branch Select to indicate the valid Branch from the option list for calculating the charge Dr Cr Advices Check this box to generate debit and credit related advices Consolidated Account Select the valid account number from the adjoining option list Consolidated charge bank Select the valid bank from the adjoining option list Product Details You can specify product details for your account here Product Code Select the valid product code from the adjoining option list UDE Currency The system generates the user defined currency type maintained at Interest Product Preference level Waive Check this box if you need to waive of interest or charges defined for the selected interest product at the Interest Product Preference level Generate UDE Change Advice Check this box if you need to generate advice for change in values of the User Data elements for the account Open Check this box if you need to apply the selected interest product for the account 3 4 2 3 Maintaining Account Level Charges Conditions Click Charges button in the Account Class Transfer screen to invoke Account level charges conditions screen ee ORACLE Account level charges conditions Account Details Branch Code ooo Account 00000007501 Product Detail 1of1 Product Code H i ae UDE Currency TERES wmn OOO O Free tems _ Waiv
146. customer in the House Hold screen Click House Hold Codes button in the Customer Maintenance screen to invoke the screen HouseHold Code Customer Number 000002513 Household Code Description C WA Specify the following fields 2 54 ORACLE Customer Number The system displays the customer number Household code Specify the household code The adjoining option list displays all household codes maintained in the system You can choose the appropriate one Description The system displays the household description A linked customer should be mapped to all household codes of the other customer If this is not done then the system will display an override message 2 3 9 1 Querying Viewing House Hold Codes You can query for house hold codes using the Household Query Screen You can invoke this screen by typing STSHSQRY in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Household Query Screen poco Sus id authorization sisws C TA jousetiot Code C of fia Advanced Search Records per page d i of 1 Record Status Authorization Status Customer Name Household Code HouseHold Code Description Using this screen you can search for household codes maintained in the system based on one or more of the following parameters e ORACLE e Record Status e House hold code e Authorization Status e CIF Click Sear
147. cuted At any point of time the account balance cannot be less than the blocked amount Corporate Parameters Information captured under customized parameters for corporate customers Customer Category A group of customers with logically similar features or attributes Dormancy Days The period following which customer accounts under a class are made inactive Exposure Country This is the country of exposure of a customer This information is maintained for Central Liability tracking Identifier Name The name of the identification document furnished by the customer to the bank as proof of identity 7 1 ORACLE Identifier Value The serial number document number or any identification number by which the identifier name document can be uniquely identified Joint Holder Code The account identifier codes given to joint holders of any customer account Legal Guardian If the account holder is a minor this is the legal guardian of the customer Liability Number A code used to keep track of the credit limit facility granted to a customer Limit Check A validation maintained for all accounts in an account class to see if there are adequate funds in the account Loan Repayment The amount paid towards loan repayment MTD Month to Date Indicates the turnover on an account for the current month and up to the current date It is specified for both Credit and Debit turnovers Narratives Specifications that help ach
148. d table is empty during amendment the system retains the data of the previous version The following points are noteworthy within the context of any amendment maintenance e Only subsystems of a contract or maintenance qualify for being a Node type The master record is never included as part of a Node type and its fields alone are labeled as Elements e This maintenance is required for supporting amendment requests from any external system If no maintenance is done for a particular external system and source operation the amendment fails e The list of fields available in the LOV that can be amended for a particular Service and Operation combination is factory shipped for your bank You can add or remove fields based on your requirement To delete an element from the list of amendable fields you can use Delete icon To add an element to the same you can use the Add icon 2 3 13 Specifying Details for Generation of MT920 The SWIFT message MT920 is a transaction message requesting latest information available for the particular account The request will be to transmit account customer statement message MT940 or Balance report MT941 or Interim statement MT942 or a customer summary statement MT950 Select the MT920 checkbox only if the customer is eligible for requesting MT920 swift messages for transaction details In the Customer Maintenance screen you can indicate if a customer is eligible for requesting MT
149. dated transaction CIF type change and bulk change of the old account class 3 4 3 2 Processing BOD Batch During BOD process system initiates the IC online liquidation of interest accrued on various products for all the customer accounts in the account class till the effective date of account class transfer Using gateway infrastructure system authorizes and changes the account class based on the parameters maintained at the account class transfer level However GL balance of the accounts processed for account class transfer would be considered for the next day EOC Note the following e Transfer of the account class would be effective only after the liquidation of customer accounts e Error log is written for the customer account which has failed in the account class transfer When account class transfer maintenance is saved the system will enforce restriction and display an error message in following conditions e f one of the mask components of the customer account is Account class e f dual currency is enabled for the old account class a ORACLE e lf the account is already linked in ILM structure e If the old account class is deposit type e If the new account class has customer or currency restriction on the selected customer and account currency respectively 3 4 4 Viewing Account Class Transfer You can view a summary of Account Class Transfer maintained at the Account Class Transfer level using Account Cl
150. days before the charge start date the charge start advice is to be sent to the customer indicating the commencement of charging on the account 3 2 10 Specifying Initial Funding Preferences You need to specify the following details pertaining to initial funding for opening accounts under the account class Event Class Code Specify the event class code maintained for initial funding process for the module code DE This adjoining option list displays all valid event class codes maintained in the system You can choose the appropriate one Charge Role to Head Code Specify the class code that you wish to use for posting charge related accounting entries for initial funding This adjoining option list displays all valid class codes maintained in the system You can choose the appropriate one Refer the section Maintaining Event Class for Account Initial Funding in the chapter titled Creating Classes under Modularity User Manual for further details about the event class code 3 2 11 Maintaining Provisioning Details When you define an account class you can specify whether provisioning is applicable for accounts using the class You can make the following specifications in the Provisioning Details section in the Account Classes screen e Auto Provisioning Required Check this box if provisioning is applicable e Provision Frequency Frequency at which the provisioning would be done either daily or monthly T
151. de the country name appears If the country code selected is US then the country name will not appear and will not be included as part of the address Only non US country names are included in the address a ORACLE Generate Address Change Advice Check this option to indicate that for changes in customer address advices need to be generated and sent to both the old and new addresses of the customer The system stores the changes whenever there is a modification in any of the following e Address Line 1 e Address Line 2 e Address Line 3 e City e State e Zip If this option is already checked and many changes are done to the customer address during the day the system considers the address available before the first modification of the day as the old address Similarly the last modification made is taken as the new address and accordingly advices are sent to both these addresses If the option is checked after many modifications have been done the address stored just before the option is checked is taken as the old address Again the last modification for the day is considered as the new address Note the following e Advices are not generated for change of address details for snowbird addresses e If this option is checked in the Customer Address Maintenance screen advices will be generated for changes to customer address done through that screen This facility is available for all location codes except CIF
152. drawn from the ATM Options You can maintain the following parameters for your account here oe ORACLE Lodgement Book Check this box if you need a lodgement book to be issued for the account Consolidated Cert Reqd Check this box if you need a consolidated certificate to be issued for the account Back Period Entry Allowed Check this box if you need back period entries for the account Referral Required Check this box if you need a referral check for your account Track Receivable Check this box if you prefer to track the receivables for the account Remarks Specify the reason for the account class change Processed Status System displays the status of account class transfer here The drop down list displays the following options e Unprocessed This status is defaulted till the account class transfer is effective e Processed This status is defaulted when the account class transfer is effective 3 4 2 2 Maintaining IC Special Conditions You can maintain the interest and consolidated charges of the account class in the IC Special Conditions Maintenance screen The system would generate the details by default You can manually maintain the products if IC special condition is applicable for this account account class combination Click Interest button in the Account Class Transfer screen to invoke IC Special Conditions Maintenance screen oe ORACLE IC Special Conditions Maintenance Bran
153. e Charges C Open tft bi Slab Amount Slab Amount Charge Amount Rate The following details are captured here Account Details You can maintain the account details here Branch Code The current branch code is defaulted here Account The system generates the account number maintained in the Main screen of Account Class Transfer Product Detail You can specify the parameters related to product here Product Code Select a valid product code from the adjoining option list UDE Currency The system generates the user defined currency type defined for the selected charges product 3 63 ORACLE Minimum Specify the minimum charge that can be applied for the account Maximum Specify the maximum charge that can be applied for the account Free Items Specify to indicate the number of items on which the charges are not levied Waive Charges Check this box if you need to waive the charges defined for the selected charges product at the account level Open Check this box if you need to apply the selected charges product for the account Slab Amount You can specify the parameters related to slab amount here You can add additional rows by clicking the button and delete rows by clicking button Slab Amount Specify an amount slab for the charges maintained at the account level Rate will be applied for the amounts less than or equal to the amount slab Charge Amount S
154. e Nu Authorised Status Contract Status Status Dormant No De Customer Liability The following customer liability details are displayed based on the query parameters provided e Authorized Status e Contract Status e Branch e Reference Number e Customer e Currency e Debit Credit e Amount e Local Currency Amount e Value Date 6 12 The following account status details are displayed based on the query parameters provided e Status Dormant e No Debit e No Credit e Frozen 6 2 9 Viewing Limits Details Check Linked Customer and provide Customer Number and click Query button to view all linked customers in Linked Customer Details To query on any linked customer displayed select the customer and click Fetch button A query operation is performed on the selected customer and the details are displayed The displayed values are based on the query parameters provided You can view details of limits maintained for the selected customer through the Customer Position screen Click the Limits button The Liability Summary screen appears Double clicking on a record displays the Limits Line Summary screen which provides a summary view of all the lines linked to the liability of the customer Double clicking on a record in the Limits Line Summary screen displays the utilization summary screen 6 2 10 Viewing MIS Details You can view MIS information about the selected customer through the Customer Position screen Cli
155. e Transaction Code to be used for Escrow transfer from the adjoining option list The option list displays only those transaction codes which are not enabled for Escrow processing at the Transaction Code Maintenance screen This is a mandatory input if Escrow transfer is enabled for the account class Transaction Code for Reversal Select the transaction code to be used for Escrow Reversal transactions from the adjoining option list The option list displays only those transaction codes which are not enabled for Escrow processing at the Transaction Code Maintenance screen During account class amendment system does not allow you to disable Escrow process for an account class if a Project account has been created using that account class 3 2 13 Maintaining the Waiting Period for First Debit and OD Transaction Oracle Flexcube allows you to maintain few restrictions for a new account opened for a new customer for first debit and overdraft transaction A customer is considered new customer based on the following conditions e If the primary customer does not have any other accounts e If the primary customer has other accounts but such accounts are opened within the last 30 days ae ORACLE You need to maintain the waiting period details for first debit and OD transactions on account opening Specify the following waiting period details Debit Waiting Period in days Specify the waiting period in days for first debit
156. e appropriate one Last Contact Date Specify the last date the customer contacted the bank Reason Code Specify the reason code for which the customer contacted the bank The adjoining option list displays a list of reason codes maintained in the system Choose the appropriate one Description Provide a description of the reason code 2 76 ORACLE 2 11 Last Report Run Date The system displays the last report run date Marked for Escheatment The system displays this status Maintaining Customer Notice Details You can maintain customers and their IRS details through Customer Notice screen You can invoke this screen by typing STDCUSTN in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button Also you will be able to select list of customer and prepare message for sending notice Customer Notice Branch Interest Income S gt Customer No a3 Withold Tax S gt Customer Report Group Financial Year Penalty Amount gt Cancel You can enter the following details Branch Specify the branch code for the transaction The option list displays all valid branch codes maintained in the system Choose the appropriate one Customer Number Specify the customer number for payment transaction The option list displays all valid customer numbers maintained in the sys
157. e country of the customer Sron This is applicable for Bearing and Amortized loan contracts also KYC Reference Number Specify the KYC Reference Number The option list displays all valid KYC reference numbers generated Choose the appropriate one The system will link the KYC details of the selected reference number to the customer CIF KYC refers to Know Your Customer KYC details for customers are maintained using KYC Details screen The system generates a KYC Reference Number during this maintenance 2 2 2 12 Specifying the Former Names and Business Names of the Customer Formerly Known As When a customer s name is changed you may record the new name as Customer Name while the old name can be entered under the Formerly Known As names list No matter how many times the customer s name changes you make the amendments and enter the old names into the Formerly Known As names list All former names must be recorded in the Formerly Known As names list On saving a new name in the Customer Name field during amendment modification the former name will automatically added to the Formerly Known As names list on saving your changes However manual entry is also allowed into the Formerly Known As names list There is no limit to the Formerly Known As FKA names you can record in the list Click to enter a new FKA name Click to delete a selected FKA name ae ORACLE 2 2 3 Doing Busin
158. e following details Industry Code Enter the industry code of the customer Description Enter the description of the Industry Code Defining Customer Category You may wish to classify the customers of your bank into certain broad categories groups For instance all financial institutions who are your bank s customer can be classified into a single common group head called Financial Institutions Similarly you can have a category called banks individuals etc The classification of customers into categories can be used for retrieving financial information by customer category for generating reports on queries and restricting access of a customer to a product in the front end modules for instance Funds Transfer Data Entry etc You may also retrieve financial information by customer category The categories are maintained in the Customer Categories screen and are maintained at the bank level by your Head Office The customers are allocated different categories maintained in this screen in the Customer Information Maintenance screen Invoking Customer Category Screen To invoke the Customer Category Maintenance screen type STDCSCAT in the field at the top right corner of the Application tool bar and click the adjoining arrow button a ORACLE 2 8 2 The screen is shown below Customer Cate gory Maintenance Customer Category Customer Category Description C Maintain Customer Log C Non R
159. e hold code here Description Provide a valid description for the house hold code 2 12 Updating Customer MIS Details in Bulk Oracle FLEXCUBE offers you the facility to update in bulk MIS details of several customers To do this you are required to maintain new updates where you specify the new values for the MIS fields You then need to authorize these details after which the changed values will be available as part of the customer MIS details and be reflected in the Customer Maintenance screen 2 12 1 Creating New MIS Updates You can create a new bulk update for customers in the MIS Maintenance screen You can invoke this screen by typing STDMISUP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button The following screen is displayed 2 81 ORACLE MIS Maintenance Customers MIS Class E u 3 MIS Code Customer Category z Type User Reference Number 000ZCST0536500ED Reference Number 000ZCST0536500ED _ Default Value For All Customers Customer No Customer Name Branch Code Required H Old Value New Value Maker Date Time Mod Number Record Status Checker Date Time Authorization Status Here you can specify any combination of the following parameters to obtain the customers for the update Customers Specify the customer numbers for the update The adjoining option list contains all the customers
160. e not been collected Unposted Credits In a multi branch or online activity Such as tele banking or Internet banking transactions that are posted into an account when the system is either not available or during End of Day run are stored to be posted into the system when the system is available Credit transactions of this nature are classified as unposted credits Unposted Debits In a multi branch or online activity Such as tele banking or Internet banking transactions that are posted into an account when the system is either not available or during End of Day run are stored to be posted into the system when the system is available Debit transactions of this nature are classified as unposted debits W 8BEN Form The W 8BEN form entitled Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding is used in the United States taxation system by foreign persons including corporations to certify their non American status The form issued by the Internal Revenue Service establishes that one is a foreign non resident alien or foreign national performing work outside the United States in order to claim tax treaty benefits such as a lower amount of tax withholding from dividends paid by U S corporations 7 3 ORACLE 8 Reports 8 1 Introduction Every action that results in a debit or credit to the customer s monetary account is recorded The advices are generated and sent to the customer depending on
161. e screen Permanent Zip Specify the Zip code of the customer s permanent address here If you have not specified the City and State on selecting the Zip Code the corresponding City and State will appear in the respective fields Telephone Specify the telephone number of the customer Mobile Specify the customer s mobile phone number on which they can be reached any time Specifying the telephone numbers though not mandatory is highly recommended You will be shown a warning message if the mobile number is not maintained Fax Specify the fax number of the customer E mail Specify the E mail address of this customer Passport Number The passport details of this customer which include the passport number the date on which the passport was issued and the date on which the passport is due to expire The resident status of this customer Whether the customer is a recognized resident of the country in which the particular branch of your bank operates The national identification number or national social security number of this customer You may or may not choose to maintain this information for specific individuals This is entirely dependent on your requirement Maintaining Domestic Details of Individual Customer As part of maintaining personal details of the customer you can capture Domestic details about the customer like the customer s educational status marital status number of dependents etc aoe ORACLE
162. e this screen by typing LDDPRULE in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Deposits Provisioning Rule Maintenance Product Code Elements Elements Input By DOC2 Authorized By Date Time Date Time Functions Modification Number Result Operators Operators x Logical Operators x Reset a Authorized I Open 5 8 ORACLE DOC2 000 000 ORACLE FLEXCUBE UBS 11 1 0 0 0 0 0 ENG 2007 11 28 Transaction Input Windows Internet Explorer o 5 wf of R D Ss Sj x Oracle FLEXCUBE r n Universal Banking ai e Se LI LODPRULE Menu Gey bank Parameters Batch Operations Billing e Corporate Deposits Provisioning Rule Maintenance Bills and Collection E Branch Parameters Card Maintenance Product Code az Cash Pooling Clearing Collections Common Entity E Common Payment Result Compliance Checks E Core Corporate Deposits Currency Maintenance Customer E Customer Accounts Account Structure OOO ala Elements Functions Operators Elements x Functions x Operators x Customer Type Logical Operators z Customer Classification Outstanding Principal Reset Outstanding Interest interest Rate E Interest amp Charges Future Principal E
163. e top right corner of the application toolbar and click the arrow button 3 Accounting Entry Retrieval Web Page Dialog Query Criteria Contract Reference Number Debit Credit Transaction Code Currency Event Code Module Code Value Date Transaction Date Related Reference Related Account Account Details Branch Code Account Number Starting Balance Currency Debit Credit Balance Transaction Details ka Contract Reference Number Module Code Transaction Code Event Code Transaction Date ValueDate DebitCredit Local cA When compared to the screen for multi currency operations the fields FCY Amount and Exchange Rate are not displayed here You can get the contract details for each entry by double clicking the corresponding record To query for Account Transaction Details you can use the Customer Account Transaction Query screen To invoke the Customer Account Transaction Query screen by entering ACDBIRAC in the field at the top right corner of the Application Toolbar and then clicking Customer Account Transaction Query Query Criteria Contract Reference Number Debi Credit v Transaction Code Currency Event Code Module Code Value Date Transaction Date Related Reference Related Account From Date To Date Account Details Branch Code ree Starting Balance Currency Debit Credit Balance Account Number Account Description Transaction Details Contract Refere
164. e using the adjoining calendar button Activity Specify the details of the activity Activity Reason Specify the reason for the activity Dairy Note Specify the dairy note 2 117 2 16 1 3 Financial Customer Tab You can specify the KYC details of financial customers using the KYC Financial Profile screen You can invoke this screen by clicking Corporate Customer tab in the KYC Maintenance screen KYC Financial Profile Bank Address Country KYC Amounts CEY G BP Transaction Products O Transaction Products Rating Monthly No Of Transactions ShareHolders Details Li Name Holding Address City Country Here you can specify the following details Bank Address Specify the address of the bank Country Specify the country of the financial customer KYC Amounts Currency Specify the currency of the KYC amounts Specifying Transaction Products Specify the following details G ORACLE Transaction Products Specify the name of the transaction product Rating Specify the rating of the product Monthly Number of Transactions Specify the number of monthly transactions Monthly Amount Specify the monthly amount Specifying Management Details Specify the following details Name Specify the name of the manager Designation Specify the designation of the manager Specifying Share Holders Details Specify the following details Name Specify the name of the share
165. each status applicable to an account class An account will be said to be in a specific status if any one of the five conditions associated with the status holds true for an account Conversely if all the conditions are false the account will automatically move to the next available status for which the condition is true The following elements are available based on which you can build a condition for automatic status change You can associate each of these elements with an account in the Customer Accounts Maintenance screen The set of elements are as follows Frozen Dormant Nodebits Nocredits Stoppayment Current Status In addition the following elements will also be available for processing OD overdraft Days Inactive Days Overline Days TOD Temporary Overdraft Days Customer Classification clad ORACLE Logical Operators Logical Operators are indicators of certain conditions that you specify while building a rule These operators are used in combination with the elements discussed earlier The following is a list of logical operators that you would require to build a status rule The conjunction and The conjunction or Greater than Greater than or equal to please note that there is no space between the two symbols Less than or equal to please note that there is no space between the two symbols Not equal to please note that there is no space between the two symbols Equal to
166. eby you can apply the new rates specified for such customers The steps involved for including the SPECIAL_STATUS UDF in customer maintenance are as follows 1 Create a new user defined field SPECIAL STATUS 2 Link it to the Function Id STDCIF 3 Specify the value of the user defined field at the time of creating a customer The special status is also displayed in the information retrieval screen when you do a query for such a customer You can do the query using the Customer Summary Query screen You can invoke this screen by typing ACDCBIR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button aes ORACLE 2 3 3 Customer Summary Query Information Retrieval Customer Number 7 Special Status _ Current Branch C Linked Customer Trade License Expiry Status Linked Customer Customer No Customer Name Relation Account Class Products Account Class Description Product Code Description Module External Account Types Module Code Description Account Type Description Sron After having captured all the required details save the CIF record It becomes valid only after a user other than you authorizes it During authorization the system generates a notification to the external system EIB indicating that a new customer has been created Notification is also generated when modifications for an existing custo
167. ecedence in this case Further credits to account A1 will be allocated against the contract ADBN001 followed by the contract ABCD001 This will be based on the product sequence number since both contracts have the same schedule dates Within a contract allocation of funds towards the various components like interest penalty interest etc will be determined by the Liquidation Order maintained for the loan product To sum up the schedule date of the loan contract n ORACLE takes precedence followed by the product sequence and finally the liquidation order If insufficient funds are detected in an account with a receivable tracking the system will trigger the event LBLK indicating that enough funds are not available and that subsequent credits made to the account will be blocked as a receivable 3 2 20 Maintaining Transaction Restrictions for Account Class You can place restrictions on transactions involving customer accounts at the account class level As discussed earlier for customer account these restrictions get defaulted to all accounts that are linked to the account class But you are allowed to change these restrictions for individual accounts as well To maintain the restrictions click the Restriction button in the Account Classes screen The Product and Transaction Codes Restriction screen is displayed Account Class Product and Transaction Codes Maintainance Account Class T
168. ection e None Select this option if you do not need an account statement e Summary Select this option if you need a brief account statement oe ORACLE e Detailed Select this option if you need a detailed account statement Cycle Select the frequency to generate statement from the adjoining drop down list This list displays the following values e Annual Select this option if you need to generate the statement annually e Semi Annual Select this option if you need to generate the statement half yearly e Quarterly Select this option if you need to generate the statement quarterly e Monthly Select this option if you need to generate the statement monthly e Fortnightly Select this option if you need to generate the statement fortnightly e Weekly Select this option if you need to generate the statement weekly e Daily Select this option if you need to generate the statement daily On Select a month a date or a day to generate statement from the adjoining drop down list The drop down list displays following values e Displays names of the months when Annual Semi Annual and Quarterly are selected at the Cycle level e Displays numbers from 1 to 31 when Monthly is selected at the Cycle level e Displays names of the week days when Fortnightly and Weekly are selected at the Cycle level e Displays a blank list when Daily is selected at the Cycle level Tertiary A c Statement You
169. ed e The customer s current annual expenditure incurred on payment of expenses other than rent insurance premium or loans e The number of credit cards the customer has subscribed to e The value in terms of money of this customer s house in case he owns one The Other Details Include e The name of your customer s previous employer and the designation that the customer held in the previous job e The customer s current designation and the full name of the customer s employer e The complete mailing address of your customer s employer ORACLE 2 3 e The telephone telex fax numbers and E mail address of your customer s current employer or business partner After having captured all the relevant details you can save the record You will be returned to the Personal Details section of the CIF Maintenance screen Maintaining Legal Title Abbreviation Oracle FLEXCUBE allows you to define legal title abbreviation for all account holders of the account You need to maintain legal title abbreviation even for joint holder accounts You can do this through the Legal Title Maintenance screen Invoke this screen by typing CODLGLITL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button The Legal Title Maintenance screen gets displayed as shown below Legal Title Maintenance Legal Title Abbrewation CO Legal Tite description C hlaker Date Time Mod Chec
170. ed Interest Debit e Accrued Interest Credit The following account status details are displayed based on the query parameters provided e Status Dormant e No Debit e No Credit e Frozen The account status details can also be viewed by placing the cursor in the Account Number field and pressing the hot key F11 6 2 2 Viewing Customer Balances All balances of a customer can be viewed on a single screen in FLEXCUBE You may query the details based on various criteria To invoke the Customer Balances Query screen click Queries from the Application Browser Thereafter choose Customer Balances and Customer Balance Query under it You can also invoke this screen by typing STDCUSBL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 3 Customer Balances Query Web Page Dialog 5 Customer No Total Current Balance Query Customer Name Total Available Balance Short Name EH Total Linked Balance SSN TIN Detailed O Brn Account No Linked Amount Current Balance Available Balance Uncollected Funds Amount Blocked Value Dated Balance Line ID You can query the details based on the following criteria e Customer number CIF e Customer name e Short name of the customer e SSN TIN of the customer Specify at least one of the above details and click Query button The system displays the following details pertaining to the customer e Total Current B
171. ed and entries posted passed only if the referral decision is to pay Each time you choose to reject a transaction you will have to indicate the reason for rejecting the transaction A list of Reason Codes is available in the option list You can select the appropriate ORACLE 4 2 A transaction is considered for charging only if the Waive Charge option has not been enabled for a particular Reject Code You can enable the option if the charge is to be waived 4 1 1 Maintenance Required for Referral Processing For the successful processing of referrals in Oracle FLEXCUBE you will need to maintain the following details 4 1 1 1 Enabling Referral Required Option You will need to enable the Referral Required option in the following maintenance screens Customer Account Class Maintenance Enabling this option would indicate whether a referral check should be performed on accounts belonging to the account class Consequently the system checks the available balance not the current balance while performing the referral checks for all transactions involving the account Customer Accounts Maintenance The Referral Required option is defaulted from the account class linked to the account However you can change it for a specific account If an account is marked for referral the details of transactions resulting in the account moving into Overdraft will be referred to the Referral Queue Product Preferences screens of the Funds Transfer
172. eferred Branches Currencies and Customers In addition to what you have specified in the Account Class Maintenance screen you have the option of specifying the following for an accounts class e List of allowed or disallowed branches and allowed or disallowed currencies e List of allowed and disallowed customer categories and allowed and disallowed customers You can specify the branch and currency preferences through the Account Class Branch and Currency Preferences screen Click Branches Currencies in the Account Class Maintenance screen The Account Class Branch and Currency Preferences screen will be displayed Branch Currency Account Class Branch Details Currency Details Branch Restrictions Allowed Disallowed Available Branches C Branch Code Currency Preferences In this screen you can specify the following for an account class e Those branches to which all parameters defined for this account class should be available e Those currencies in which all customer accounts linked to this account class can operate 3 2 24 Maintaining Branch Preferences Customer accounts maintained in any branch can be linked to any account class However you have the option of restricting the linkage of customer accounts in a particular branch or branches to an account class 3 42 ORACLE Example Your bank has a total of 25 branches Branch 001 and 004 handles only Corporate
173. en the selected customers 1 amp 2 All authorized relation types maintained through the Relation Maintenance screen will be available in the option list provided You can select the appropriate name from this list This linkage of customers will be used for taking exposure report for the customer If you maintain a linkage between Customer and Customer2 the system will automatically establish a linkage of Customer2 with Customer After you maintain a linkage between two customers you are not allowed to change the customers involved in the linkage However you can alter the relationship that exists between them Only one type of relationship can exist between any two customers The following example will illustrate the manner in which you can maintain relationship details between customers and the need for the same Example John Doe is customer of you bank He is running a business named John Doe Building Contractors He is married to Jane Doe but is separated He now lives with Mary Bloggs In addition he also has a partnership with Jack Black and another partnership with Joe Green In order to establish a relationship between the above individuals you have to maintain each individual as a customer in Oracle FLEXCUBE In the Customer Information Maintenance screen set up the details for John Doe o John Doe Building Contractor Jane Doe Mary Bloggs o Jack Black Builders Joe Green Builders Since you
174. eneficial owner Purpose of Account Opening Specify the purpose of opening the account Others If you wish to provide any additional information about the beneficial owner use this field ee ORACLE Account Type Specify the type of the account Power of Attorney Check this box to indicate that the beneficial owner holds a power of attorney Passport Number Specify the passport number of beneficial owner Passport Expiry Date Specify the expiry date of the passport Visa Number Specify the visa number of the beneficial owner Visa Expiry Date Specify the expiry date of visa KYC Amounts Currency Specify the currency in which KYC amount is maintained Beneficially Owned Company Details You can specify the details of the beneficially owned company in the following fields Company Name Specify the name of the company Location Specify the location of the company Holding Specify the percentage of holding Annual Income Specify the annual income of the company Line of Business Specify the line of business of the company 2 110 Source of Income You can specify various sources of income in the following fields Salary Check this box to indicate that salary is a source of income Rental Check this box to indicate that rent is a source of income Investment Check this box to indicate that investment is a source of income Business concern Check this box to indicate tha
175. ent liquidation cycle e Receivable Interest LCY This is the interest receivable in local currency on the account for which provision is being made e Accrued Interest LCY This is the interest that has been accrued but not liquidated as yet in local currency on the account for which provision is being made e Account Status This is the user defined status for the account for which provision is being made e Exposure Category This is the exposure category of the account for which provision is being made It is picked up from the account details if it has not been specified in the account details it is picked up from the maintenance for the CIF or customer group to which the account belongs e Risk Free Exposure Amount This indicates the risk free amount collateral specified in the details of the account for which provisioning is being made 5 9 ORACLE Provisioning Percentage The provisioning percentage is generally picked up from the account details If not specified in the account details it is picked up from the Exposure Category Provisioning Percentage maintenance for the exposure category of the customer of the account and the account status Discount Percentage The discount or loss percentage is used to compute the recoverable value of the account for which provision is being made It is picked up from the account if specified in the account details or from the Exposure Category Provisioning Percenta
176. er F Business Concern l _ Professional Bussiness _ Overseas Property ones A Total Of Income TotalEstimeted Net Worth KYC Next Review Date Comments c Sales and Service Officer E Approvers IE Fok Cancel You can capture the following details on this screen Beneficial Owner Information You can specify the following details pertaining to the beneficial owner Resident Check this box to indicate that the beneficial owner is a resident If you do not check this option the system will not consider the owner as a resident 2 108 ORACLE Politically Exposed Person Check this box to indicate that the beneficial owner is a politically exposed person PEP Remarks Specify the remarks about the declaration of the beneficial owner as politically exposed person Local Address Specify the local address of the beneficial owner Home Country Address Specify the home country address of the beneficial owner Birth Date Specify the birth date of the beneficial owner Birth Place Specify the place of birth of the beneficial owner Nationality Specify the nationality of the beneficial owner Office Tel Number Specify the telephone number of the beneficial owner s office Residence Tel Number Specify the residential telephone number of the beneficial owner Mobile Tel Number Specify the mobile telephone number of the beneficial owner Fax Specify the Fax number of the b
177. erccm Director Withholding Tax Registration Address Description of Business Line 1 Line 2 Line 3 City State Zip Country Country Name Name National ID Incorporation Date Capital Net Worth Country Currnecy of Amounts 4 Linked Account KYC Details Regulation HouseHold Code Change Log Maker Date Time Mod Number Record Status oes Cancel Checker Date Time Authorization Status In this screen you can maintain the following details for a corporate or bank type customer pee ORACLE 2 2 5 1 Specifying Registration Details Lines 1 2 and 3 Specify the address of registration of the corporate customer Three lines have been provided for this Each line can have a maximum of 35 characters alphanumeric Only characters specified as per SWIFT standards are permissible Country Specify the country of registration of the corporate customer r A list of all country codes maintained in the Country Codes Maintenance screen is available in the option list You can select the appropriate code On selecting the country code the country name appears If the country code selected is US then the country name will not appear and will not be included as part of the address Only non US country names are included in the address City Enter the city of registration of the corporate
178. ese operations names are published by Oracle FLEXCUBE As an example you can consider ModifyCustomer which is for modification of a customer e External Operation Name This is the specific area of operation that an external system is performing on its side within the broad context of the Oracle FLEXCUBE s amendment In an external system if the personal details of a customer are changed this has a unique name by which it is identified within Oracle FLEXCUBE Similarly if the limits related details of a customer are modified it also has a unique name It is through the Amendment Maintenance screen that you maintain a set of amendable fields which can amend in Oracle FLEXCUBE whenever a request for the same will be send from an external system Based on this maintenance the amendment request is addressed by Oracle FLEXCUBE Invoke this screen by typing STDAMDMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Amendment Maintenance Detailed External System Operation Service Name Operation Code LI NodeName New Allowed Deleted Allowed All Records o a oO E Amend Fields HEE CI Field Name a Input By DOCS Date Time Modification Number a Authorised Authorised By Date Time w Open External System Select the relevant external system Based on the maintenance here only the fields that are selected as amendable can be modified if a
179. ese share holders may not be the banks customers The System maintains KYC for NON CIF customers also eo ORACLE Oracle FLEXCUBE tracks all the sources of funds income of any person company banks undergoing KYC The system also tracks approximate number of transactions they are expected to perform in their accounts You can specify the details of KYC type in the KYC Type Maintenance screen You can also invoke this screen by typing STDKYCTP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button kyc Type Maintenance KYC Type KYC Type Description KYC Value Details yc Type Value KYC Type Value Description Maker Date Time Mod No Checker Date Time Record Status Authorization Status Here you can specify the following details KYC Type Specify the type of KYC that should be maintained KYC Type Description Specify the description that should be maintained for the specified KYC type 2 15 1 Specifying KYC Value Details You can specify the following KYC value details KYC Type Value Specify the value of the KYC type 2 102 ORACLE KYC Type Value Description Specify the description for the KYC type value The table below illustrates the KYC types and the possible values for each KYC types KYC Type Possible Values Ownership KYC_DECLARED Shareholding Salary Rental Investment KYC_SRC_INCOME Business Concerns Professional
180. eseesssnseeseesseesessesssneeeseessonss 2 81 22d Crenn NOW MIS OPAOS orisirisii TEE E EEEE EEE EE 2 81 2d22 Processing MIS Update Maintenance sccririeirerire n aa aaa 2 83 2d23 ViEWwine MIS Customer DCIS rscicsirds cxtscinicnsuetdanntaninlensetaasuareanamiacueieatdeae nae aetane neuen 2 54 243 WPDATING CUSTOMER UDF DETAILS IN BULK icisscicceectdnonpecnnscanostseonncgnnteaguddonshednacianesteusine aaseatontesaeaiaues 2 85 Alad reanna New UDF DUIS dco sce stestaseteccerse tec seedise tense eaten ee 2 85 2 13 2 Processing UDF Update Maintenance cccccccccccccscsssseseeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee aa iaa 2 87 Did VICWIN ODF Customer Deordily ca acres acacia netstat ces EE R cpa REEE acpi 2 58 2 13 4 Maintaining Household Codes for Customers ccccccccccccc cece cece cece cece eee e cece cece ee eke keke eee EEE EE EEE EEE EEE EEE EY 2 89 2P VET TP WON BUS oe acaecets aera neces gpeten E E AE E 2 90 2 14 1 Maintaining Types of Relationship ccccccccccccccc cece cece cece cece cece keke ek keke EEE EEE EEE EEE EERE BEEBE 2 9 2 14 2 Maintaining Relationships between Customers cccccccccccc cece cece ccc cece cece keke eee e eee E EEE EEE EEE EE EEE EEE 2 92 2 14 3 Maintaining Customer GrOUDS sccvirscscietenvcvintes ds siedinbaclatintde hatin beatittt iccendectetadissbediabendebAcsstodsnbecielihees 2 95 2 14 44 Capturing Customer Prefixes reriesetetecs ph tated tetiei hatin cette dh waa ttle iah eMac batik deccns ah ailie beaibighiet
181. esident Alien Y TIN IC C TIN Validation C TIN Duplication Indicator IRS Report and Threshold Limit IRS Customer Reporting 1099 0D Interest Earnings Threshold Limit Miscellaneous Earnings Threshold Limit Penalty Threshold Limit Tax Threshold Limit Input By Do Date Time Modification Number Authorized Authorised By Date Time w Open In this screen you maintain the following Creating Customer Categories To create customer categories the following parameters need to be maintained Customer Category In this category you can classify customers of your bank When you are creating a product be it in a loan a deposit a placement a swap foreign exchange deal or a funds transfer you may want to restrict access to the product to a set of customers For this the customers are classified into broad categories the code of which is input against this field A category consists of a group of like customers For instance if you create a category called Financial Institutions all financial institutions who are customers of your bank will come under this category Likewise all customers of your bank belong to some category It should be noted that at the product level specifications made for a customer overrides the specifications made for the category For example if all financial institutions are allowed access to a particular product you have the option of restricting the access of one or a few ind
182. ess As A customer of the bank may prefer to do business with the bank using a name different from the one recorded as Customer Name You may record this different name s as a Doing Business As DBA name under the Doing Business As names list There is no limit to the number of DBA names you can record in the list You must record all DBA names in this list Click to enter a new DBA name Click to delete a selected DBA name You can search for customer records in the Customer Summary screen using their FKA and DBA names Specifying Exposure Category and Provisioning Details for Customers When you maintain CIF details for customers in the Customer Maintenance screen you can specify the following exposure category details e Customer group to which the customer belongs for provisioning and status processing You must specify a group code defined for a group type that is the same as the customer type for instance if the customer is a retail customer you must specify a group defined for retail customers e Exposure category under which exposure due to loans issued to the CIF and the accounts of the CIF will be tracked The exposure category is derived by the End of Day batch program and displayed if the applicable logic has been maintained for the specified customer provisioning group in the Exposure Type Category Linkage maintenance If no logic has been maintained for the group you can specify the applicable exposure category
183. fline limit is maintained only for primary level Specifying Document Checklist Details You can maintain the list of documents that the customer is expected to furnish while opening an account through the document checklist option in the account class screen At account class level you need to specify the following details Document Category Specify the document category The adjoining option list displays the customer category as defined in the document maintenance screen For example address proof age proof etc You can select the appropriate one Document Type Specify the document type The adjoining option list displays the documents defined in the document maintenance screen You can select the appropriate one Customer Category Specify the customer category The adjoining option list displays the customer categories along with their description as defined in the document maintenance screen You can select the appropriate one Customer Type Indicate one of the following customer types from the drop down list e Individual e Corporate e Branch Mandatory Indicate if the selected document type is mandatory or not by choosing one of the following from the drop down list e Yes e No Check list items are not mandatory for maintaining an account class i ORACLE 3 2 3 Maintaining Check Book Preferences 3 2 3 1 Oracle FLEXCUBE provides you with the facility to automatically trigger the reorder of Check
184. for the accounts and loan contracts apart from assigning the worst status is also captured and displayed In the Group Code Maintenance screen and the CIF Maintenance screen the status for the group is displayed as well as the date since which the current status came into effect For details about loan status processing and provisioning consult the Loans user manual Setting up Customer Classifications for Status Processing You can set up the different classifications under which the financial standing of the customer would be considered for status processing You can set up these classifications in the Customer Classification Details screen You must specify an appropriate classification code and description You can invoke this screen by typing STDCCMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Classification Maintenance Cust Classification Description Input By DOC4 Date Time Modification Number We authorized Authorized By Date Time open For instance you could set up the following classifications e Good for customers with no bad loans and no accounts with outstanding overdrafts e Unstable for customers with a few bad loans and accounts with outstanding overdrafts e Not Good for customers with many bad loans and accounts with outstanding overdrafts e Deteriorate for customers with mostly bad loans and accounts with ou
185. fy the customer numbers for the update The adjoining option list contains all the customers maintained in the system Select the appropriate one In case you wish to query for a set of customers you can partially enter the customer number accompanied by a For instance if you wish to get details for all customers beginning with ABC type ABC in this field The system will provide you with details for all customers with IDs beginning with ABC You can also enter a series of customer numbers if you wish to update only certain customer records If so you need to separate each number using a comma Customer Category Specify the customer category The adjoining option list contains all the relevant customer categories Select the appropriate one Type Specify the customer type You have the following options e Bank e individual e Corporate oe ORACLE User Ref Number The system displays the user reference number You can change it if required Reference Number The system generates and displays a unique reference number for every bulk update Default Value For All Customers Check this option to indicate that the value entered for the first record in the query result should be default to all the other records that satisfy the query If you leave it unchecked you will have to indicate the records and the values that should be updated UDF Specify the name of the UDF for which the update should be
186. ge maintenance for the exposure category and status of the account for which provision is being made Status Seq This indicates the sequence number that represents the status as defined in the Status Definition It can be used with arithmetic operators for ease of status rule definition 5 1 6 Derivation Rules for Status Change For accounts the basis for processing of status changes is governed by an attribute that you set in the Branch Parameters You could opt for status processing at a group or CIF level or at contract level If processing is done at a customer group or CIF level it is done in two stages The worst status among all accounts and loan contracts belonging to the customer group or CIF is arrived at All accounts and contracts belonging to the customer group or CIF are then moved to the worst status that was arrived at In the Status Rule Derivation screen in the Derivation Rule field you can define the conditions according to which the status of all accounts using an account class the aging analysis could be tracked For each account class you can maintain a derivation rule which would be used during status processing to arrive at the status of each account if status processing is at a contract level or the worst status among all accounts and loans belonging to groups or CIF level if status processing is at a Group CIF level To define the derivation rule you could use a combination of multiple elements and
187. h the North American Industry Classification System NAICS The U S Government Office of Management and Budget formulates these codes 2 2 4 9 Specifying the Customer Relationship Officer Here you can specify the bank staff personnel who will act as the Customer Relationship Officer for the customer The list available here lists all bank users of this system for your selection This is a mandatory entry 2 2 4 10 Indicating Requirement for Individual Tax Certificate You need to indicate whether an individual tax certificate is required for each transaction An individual tax certificate is a certificate advice which is generated for each individual event in a transaction resulting in computation deduction of tax from the customer s account The advice is linked to the product and is generated at the time of authorization of the contract event 2 2 4 11 Generating Individual Tax Certificate For contracts that have tax defined on interest liquidation an individual tax certificate will be generated by the system provided the tax certificate is linked as an advice for the event and the individual transaction tax certificate is required to be generated for the customer For income other than through interest on customer accounts the advice format for the tax certificate can be maintained depending on the requirement This advice format can be linked to the products For income through interest on customer accounts the advice format for
188. he account the outstanding amount is displayed as an override while saving the transaction involving the account e While closing an account closure the System verifies whether there is any outstanding debit interest or charges on the account You will need to liquidate these before Account Closure An error log is created to store the error details of accounts for which liquidation could not be performed due to the following reasons e The Verify Funds option is enabled and partial liquidation is performed e The Verify Funds option is enabled and the account has insufficient funds e Accounting entries do not get passed successfully irrespective of whether the Verify Funds option is set or not Refer the End of Day processing for Debiting Receivable GLs section in the Daily Processing of IC chapter of the IC User Manual for details on end of day processes on Auto and Manual liquidation 3 2 9 Maintaining Details for Free Banking For account classes for which a free banking period is being provided you can indicate the free banking parameters These include era ORACLE e The number of days after the account opening date for which no charges would be levied on the account This is the free banking period Charging for the account would commence when the free banking period has elapsed e Whether an advice charge start advice is to be sent to the customer indicating the commencement of charging on the account e The number of
189. he frequency you define here is only applicable if you have indicated individual account wise status processing for accounts in the Branch Parameters If you have indicated status processing at Group CIF level then the provisioning batch process executes at the frequency maintained in the Branch Parameters screen for your branch and not at the frequency maintained in the Account Classes screen e The currency in which the provisioning amount must be calculated either account currency or local currency e Default exposure category for accounts using the account class e Event class for which the provisioning accounting entries would be defined ee ORACLE The specifications you make here are inherited by any account that uses the account class In addition to these preferences you must also indicate e The accounting roles and heads representing the GLs to which the accounting entries for provisioning must be passed for each account status e Whether provisioning entries for an account must be rebooked when provisioning is done after an automatic status change for the account You can maintain these details for each account status in the Status Details screen 3 2 12 Maintaining Escrow Details The following Escrow details can be maintained for the account class Escrow Transfer Applicable Check this box to enable Escrow transfer for the accounts belonging to the selected account class Transaction Code Select th
190. he system You can choose the appropriate one Details of Clients You can specify the client s details in the following fields Client Name Specify the name of the client Country Specify the name of the country of the client Payment Mode Specify the mode of payment The adjoining option list displays all valid modes maintained in the system You can choose the appropriate one eat ORACLE Transaction Types You can specify the details of the transaction types in the following fields Transaction Type Specify the type of transaction Count Specify the count of the transaction Total Amount Specify the total amount of the transaction Max Single Amount Specify the maximum single amount allowed for the transaction Purpose Specify the purpose of the transaction Country Specify the country in which the transaction takes place Fund Transfer Purpose within Country Specify the purpose of funds transfer within the country Audit Date Specify the audit date Use the date button to choose a date from the calendar Account Solicited Check this box to indicate that the account should be solicited Account Solicited Date Specify the date on which the account should be solicited using adjoining calendar button Introducer Details Specify the details of the introducer Compliance Clearance Specify the date of compliance clearance using adjoining calendar eats ORACLE Business Approv
191. he week days when Fortnightly and Weekly are selected at the Cycle level e Displays a blank list when Daily is selected at the Cycle level Exclude Same Day Reversal trns from stmt Check this box to exclude details of the transactions reversed on the same day from the generated statement 3 4 2 6 Account Statement for Closed Accounts Oracle Flexcube allows you to select closed accounts also for the generation of account statements based on the statement parameters set at account level in addition to the Open or active accounts during EOD The system generates the account statement though the account is closed provided the immediate statement after account closure has not been generated The system will not generate the account statement if the account is closed and the immediate account statement after closure has been generated Sron Account statement for a closed account is generated in the generation cycle immediately following its closure but not later 3 4 2 7 Maintaining MIS Details Click MIS button in the Account Class Transfer screen to invoke Management Information System screen oe ORACLE Management Information System Branch Code jogo Calculation Method 30 Euro 360 AccountNo ooooo01g001 Ref Rate Code Fixed MIS Group B Ref Spread F Link to Group Rate Flag Pool Code Ref Rate Code Contract Level Pool Code Reference Ra
192. her be a Clearing or a Charge Group Clearing Groups are built in order to derive the Value Date of outward clearing check transactions Charge Groups are created in order to levy specific charges on customers belonging to the group You can set up such groups through the Group Code Maintenance screen Invoke this screen by typing STDGRMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Group Code Maintenance Group Code Group Type Description Exposure Category Group Status Since Input By God Date Time Modification Humber Authorized By Date Time Authorized fe pen amp Corporate Retail O Charge C Clearing O Tax Cancel Group Type You could use this section to indicate whether the customer group you are defining is e Corporate e Retail e Charge e Clearing e Tax You can select the appropriate option Creating Customer Groups for Tracking Exposure You may wish to track exposure due to loans issued to a group of customers as a whole and assign the status of all loans issued to the group as the status of the loan with the worst status among those issued to the group You may similarly wish to include the exposure due to outstanding overdraft in respect of a group of customer accounts as a whole and assign the status of all customer accounts belonging to the group as the status of the customer account with the worst
193. his category could be PA OD RFC x PP where PA Provisioning Amount OD Outstanding Overdraft Amount Principal Overdue Interest RFC Risk free Collateral PP Provisioning Percentage The provisioning percentage could be computed as shown Loan Type Categorization Provision Corporate Small CS Exposure lt BGN 50 000 1 5 Corporate Intermediate Exposure gt BGN 50 000 and lt BGN 2 0 CI 500 000 Corporate Large CL Exposure gt BGN 500 000 and lt L Sig 3 0 Corporate Big CB Exposure gt L Sig 0 0 Here L Sig could correspond to one percent of bank s capital base rounded to nearest lower amount divisible by 50 000 Typically the bank sets this figure In arriving at the total exposure figure as shown in the table above the outstanding overdraft in the account as well as the outstanding amounts on all loans issued to the group CIF that the account belongs to are summed Example coe Seanom ow tne ston si Owk 00 o sini omenk amn fo Exposure to Retail Customers The expression used for this category could be PA OD RFC x PP where PA Provisioning Amount OD Outstanding Overdraft Amount Principal Overdue Interest RFC Risk free Collateral PP Provisioning Percentage The provisioning percentage could be computed as shown Loan Type Categorization Percentage Retail OD RO Retail Overdrafts 1 5 Retail Mortgages
194. holder Holding Specify the holdings of the share holder Address Specify the address of the share holder City Specify the city of the share holder Country Specify the country of the share holder 2 119 2 16 1 4 Fields Tab 2 17 You can create user defined fields using the User Defined Fields screen To invoke this screen click Fields tab in the KYC Maintenance screen User Defined Fileds Field Name x Value Here you can specify the following details Field Name Specify the name of the field Value Specify the value of the field Maintaining IRS Details You can maintain details of correction or adjustment if any for 1099 or 1042 reports using IRS Maintenance screen You can invoke this screen by typing STDIRSMN in the field at the top right corner of the Application tool bar and click on the adjoining arrow button an ORACLE IRS Maintenance Bank Details Customer Details Branch Code Customer Number Branch Mame Customer Mame Address Line 1 i Customer Line 1 Line 2 Line 2 Line 3 Line 3 Line 4 Account Mo Report Details Clarification received if any Financial Year a Status of IRS Report Report Group History of Status A c c a u rit Detail z Account Mo Interest Income Penalty Withholding Tax Correction or Adjustment al Account No Transaction Reference Number Adjustment Transaction Type Amount Reason for Regeneration
195. hrows an error stating that The A c class you selected is for major customer on ORACLE e Similarly if you uncheck Minor option at the CIF level and select Applicable customer status as Minor at the account class level then the system throws an error stating that The A c class you selected is for minor customer 3 2 2 Statement Parameters Tab For each account class that you maintain you have the option of generating account statement details periodically for all customer accounts associated with the account class If you need to generate account statements that would need to be sent across multiple media generated at different frequencies you can define up to three different frequencies at which the statements could be generated with a primary secondary and tertiary frequency Click Statement Parameters tab to invoke the screen for maintaining these details The screen is displayed below Account Class Maintenance Account Class Start Date Description End Date Account Type Current E Account Details Fp eet coe Primary Account Statement Parameters Secondary Account Statement Parameters Type None Type None Summary Summary Detailed Detailed Cycle v Cycle On On On a On a Offline Limit Tertiary Account Statement Parameters Type None Summary Document Checklist Detailed Cycle v
196. i e there is a possibility of one to many relationships between customers Oracle FLEXCUBE allows you to define different types of relationships that can exist between two customers For eg Business Husband Wife and Partners etc You can link two customers by specifying the relationship that exists between them The advantage being that when you generate the exposure report for a customer it will display the total exposure of the bank to every customer linked to the liability in question as well as the exposure of every customer who is related to any customer within the liability The example given at the end of this section will further illustrate this concept ORACLE 2 14 1 Maintaining Types of Relationships You can maintain the different types of relationships that can exist between customers of your bank in the Relation Maintenance screen You can invoke this screen by typing STDRELMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Relation Maintenance _ Display On Statement blaker Date Time Mod Number Checker Date Time Record Status Authorization Status Specify the following details in this screen Relation Define the type of relationship in this field You can use a maximum of 20 alphanumeric characters to define a relationship Description Provide a brief description of the relationship being maintained This will further help you i
197. ic Statement Check this box if you need electric statement Create CD ROM Check this box to create CD ROM Boracie Flexcube provides the documentation identification number DIN and the documentation identification date DIN date which is required for printing check on statement 3 4 1 Viewing the Document Delivery Mode Preferences You can view a summary of all document delivery mode preferences for all customer accounts in the system using the Document Delivery Mode Summary screen oo ORACLE You can invoke this screen by typing STSACDOC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Document Delivery Mode Summary Authorization Status Record Status Account Numer IGE Customer D Customer Type Q Search Advanced Search Reset Records per nage ES ee Authorizaton Siatua Record Status Branch Cade Account Number Customer D Customer Type Check Deposition Current Cycie You can query on records based on any one or all of the following criteria e Authorization Status e Account Number e Customer Type e Record Status e Customer ID Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Branch Code e Account Number e Customer ID saa ORACLE e Customer Type e Check Disposition
198. ication tool bar and clicking the adjoining arrow button Account Address Location Maintenance Location Description C Detautt Input By DOC4 Date Time Modification Humber Authorized Authorized By Date Time Ol Open Location The relevant location code This pertains to a particular area in a country It cannot be more than 15 characters Description A short description to the location code Default If the location code is to be maintained as a default location code the same could be specified here by checking against this option Only one location can be marked as a default location The following points are noteworthy e Once you save the above maintenance Oracle FLEXCUBE checks for duplicate location codes To recall existing location codes are maintained through the Location Codes Maintenance screen If a match is found system throws up an error e This maintenance is applicable only for account level address maintenances and not for address maintenances done at the customer level Maintaining KYC Type Oracle FLEXCUBE maintains KYC details for all customers For Individuals Salaried employees the KYC is fairly simple and straight forward However for Small and Medium Enterprises SME and corporate customers or Banks the KYC for the company and its Directors should be done The KYC for any share holder having the percentage of stock equal to or more than the defined percentage should be done Th
199. icial owner e Expiry date of visa e Currency in which KYC amount is maintained Beneficially Owned Company Details e Name of the company e Location of the company e Percentage of the holding e Annual income of the company e Line of business of the company Source of Income e Whether salary is a source of income e Whether rental is a source of income e Whether investment is a source of income e Whether business concern is a source of income e Whether professional business is a source of income 2 3 6 2 Viewing KYC Details of Corporate Customers KYC Corporate Profile screen gives an account of the KYC profile details for corporate customers Click Corporate Customer tab in the KYC Maintenance screen The system displays KYC Corporate Profile screen KYC Corporate Profile Main Compliance Audit HO Details Reason of Account Purpose Of Account Openin Customer and Sponsor s Information Groups Name Parent Companys Country O 9 finc Others Type Of Company Others KYC Amounts CCY GBP Details Of Key Person C kyc Name RelationShip Nationality Position Or Tite Share Percentage Company Details Details Of Company Branch Details Of Suppliers Number Of Person Employed Mode For Salary I Supplier Name Others The system displays the following details Country Nature of Business Nature Of Business Product Traded Main Source Of Funds Borrowing Account Group Annual Turn
200. identifies the occupation or business of a customer through the North American Industry Classification System NAICS The U S Government Office of Management and Budget formulates these codes Use the NAICS Code Maintenance screen to maintain the various NAICS code identifying the customer s occupation business This maintenance helps you in selecting the necessary code during customer set up To invoke the NAICS Code Maintenance screen first select Customer Maintenance from the Application Browser Under that click NAICS Codes and then click Detailed You can invoke the above screen by also entering CSDZNAIS in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button NAICS Code Maintenance NAICS Code Waker Date Time Mod Number Checker Date Time Record Status Authorization Status For maintaining an NAICS code specify the following e NAICS code e Brief description of the NAICS code being maintained Maintaining Industry Code Details You can maintain industry code details through Industry Code Detailed screen You can invoke this screen by typing CSDINDMT in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button d4 ORACLE 2 8 2 8 1 rn dustry Code Detailed ndustry Code Description blaker Date Time Mod Checker Date Time Record Status Authorization Status You can enter th
201. ieve a desired format for account statements Natural GL The code of the GL to which the turnovers of all accounts in the account class will be reported Regulation D This is a regulation of the U S Securities and Exchange Commission Regulation D also known as Reg D exempts certain offerings of equity from many of the regulatory requirements that impose costs upon standard public offerings A Reg D offering is intended to make access to the capital markets possible for small companies that could not otherwise bear those costs Reporting Lines The general ledger codes to which balances debit or credit of all accounts in an account class will be reported Sub limit The maximum credit amount that can be used by a customer account without requiring an override The sub limit is specified for accounts for which the credit amount is limited to a part of the available line amount 7 2 ORACLE Temporary OD End The date on which the temporary overdraft limit ceases to be effective Temporary OD Limit The maximum overdraft allowed on an account for a specified period of time Temporary OD Start The date on and following which the temporary overdraft limit comes into effect Tenure The duration for which a customer has been in professional employment This information is captured as part of the professional details for a customer Uncollected Funds Limit On any given business day the credit transaction amounts that hav
202. in which the tax waiver should be defined Select All if you wish to define tax waiver for all currencies Product Or Account Class You need to specify the Product Account Class for which the tax waiver is being defined All account classes and all LD MM products will be available for selection You may also select ALL in which case the tax waiver would be applicable to all products and account classes From Date and To Date You need to specify the date from which the particular waiver rule is applicable The To Date is the date up to which the waiver rule is effective The To Date should be greater than or equal to the From Date The To Date field can also be left blank which would indicate that the maintenance is open ended Waiver Specify the tax waiver in terms of percentage which should be made applicable for the period defined The value you enter should be gt 0 and lt 100 2 3 10 1 Pick up Order for Waiver Rule The following table gives the waiver rule pick up order Customer Customer Tax Currency Product Account Group Number Category Class mi li ORACLE Customer Group Specific Specific Specific Specific Customer Tax Currency Product Account Number Category ALL ALL ALL Thus for a specific customer in the group the rule is relaxed for the product first and then for the currency If no rule is available for selection then the same process will be repeated where custome
203. ing consult the Loans user manual For details about account provisioning refer to the chapter Provisioning for Customer Accounts in this user manual External Ref Number To recall if a customer record is created from an external Siebel CRM application after a successful upload into Oracle FLEXCUBE the external reference number is defaulted in the External Ref Number field You can amend the same when you unlock a record and make changes 2 2 4 Specifying Details in Auxiliary Tab Click on the Auxiliary tab to view the following screen Customer Maintenance Customer Number Full Name Type Individual Short Name Corporate Branch Code 000 Bank Main BNO lt ieia Personal Corporate Director Withholding Tax AML Reporting Additional Details User Defined Fields 1 000002508 AML Customer Group C TA Credit Rating User Defined Fields 2 E Required AML Risk Rating User Defined Fields 3 C Cc g W NS F Consolidated Cert Required W8BEN Signed Date User Defined Fields 4 aalala O Individual Cert Required 105 Completion Date User Defined Fields 5 OMX Base Currency Utility Provider Head Office Census Track E Utility Provider Account Number vider T i Utility Provider Type az Debitor Category Cusmene Ratetionates OMES Utility Provider ID Risk Profile a er Algorithm ID az FT Accounting asof
204. intenance screen 2 63 ORACLE Multiple Addresses Maintenance Customer Addresses Media MAIL Customer Number 000002587 Delivery By Eo H Location CIF tofi sores woo i cute E a al MalCode iL a Mail Code Description Statement Date O0 B From Day From Month To Day To Month o w ian 3 Dec In the screen above you can specify each of the multiple addresses for the customer along with the period date range during which each is valid Address 1 3 Specify the communication address of the customer during the period being maintained Three lines have been provided for this Each line can have a maximum of 35 characters alphanumeric Only characters specified as per SWIFT standards are permissible City Enter the city as part of the communication address of the customer State Specify the state as part of the communication address of the customer Selecting the state from the list available here The states are listed in their two character code format as maintained in the State Name Maintenance screen Zip Specify the Zip code of the city of registration Mail Code Specify the mail code The adjoining option list displays all active mail codes maintained in the system You can choose the appropriate one oe ORACLE Mail Code Description When you select the mail code the system populates the corresponding description of the selected mail code Statement Date
205. ions Specify the maximum number of Check rejections that can be allowed for an account Processing Automatic Reordering of Check Books The automatic reordering of Check Books is processed at EOD by executing a batch function The following conditions should be satisfied for initiation of automatic reordering e The Auto Reorder of Check Book option is turned on at the account level e The number of unused check leaves for the account is less than or equal to the reorder level maintained at the account level The system will pick up the number of leaves to be reordered from the field Reorder Number of Leaves maintained for the account a ORACLE The numbering of Check leaves for the new Check Book will depend on the Check Number Unique for Branch option in the Bank Parameters screen If this option is checked the numbering will begin from the Last Number 1 of the Check Book that was delivered last to any account If you do not select this option the number will start from the Last Number 1 of the Check Book delivered to the same account previously The value of Include for Check Book Printing and Check Type specifications defined in the Check Book Details screen will be defaulted from the previous order of the Check Book 3 2 4 Specifying US Federal Regulation Details Regulation details can be set in the Regulation screen of Account Class Maintenance Click Regulation button to invoke thi
206. irector Details Permanent Address Director Name Tax ID Address Mobile Number E mail Mailing Address Address1 Address2 Address3 Address vv gt 4 Linked Account KYC Details Regulation HouseHold Code Change Log Maker Date Time Mod Number Record Status care Cancel Checker Date Time Authorization Status In this screen you can maintain the following details for the customer Director Details Enter the following details Director Name Specify the name of the Board of Director of the organization Tax ID Specify the tax id of the director a ORACLE 2 2 1 Mobile Number Specify the Board of Director s mobile number E mail Specify the Board of Director s E mail Mailing Address Address1 Specify the Board of Director s mailing address Address2 Specify the Board of Director s mailing address Address3 Specify the Board of Director s mailing address Address4 Specify the Board of Director s mailing address Permanent Address Address Specify the Board of Director s permanent address Specifying Details in Withholding Tax Tab Click on the Withholding Tax tab to view the following screen 2 25 2 2 8 Customer Maintenance Customer No 000002738 Full Name Type Individual Short Name Corporate Branch Code 000 Bank 0 Director BBY iinel teats E Withholding Tax Details Backup Withholding Start Da te Back
207. irst Check this field to indicate the system to break the deposit accounts created and transfer the proceedings to the savings account The system breaks the deposits when the savings account does not have sufficient balance to withdraw the amount In this case the system breaks the auto deposit account and restores the savings account with balance to allow withdrawing the money Example The customer has the total balance in the account for 5675 including 650 as auto deposit He withdraws 5500 from an ATM As part of intraday batch DESWPBAT the system breaks the auto deposit account of 650 and restores the balance amount to savings So his current standings would be 175 in his savings account and he does not hold any auto deposit account 3 2 18 Maintaining Rules for Automatic Status Change If you have opted for automatic status change for all accounts belonging to an account class you have to maintain the criteria based on which the system will bring about the status change automatically You can define the different criteria in the Status Rule Definition screen Click the button Status Rule in the Account Class Maintenance screen to invoke it mag ORACLE Status Rule Definition Account Class Description Seq No Derivation Rule Elements Status Rule Status Rulez Logical Operators Status Status Rules P Status Rule4 Status Rules In this screen you can define five conditions for
208. is weekly you should also indicate the day of the week on which the account statement is due Similarly for a monthly statement you should indicate the day of the month To specify the frequency for a monthly statement you can specify a number between 1 and 31 corresponding to the system date If you set the statement date to 30 then account statements will be generated on e The last working day for months with lt 30 days e For months with 30 days on the 30th if 30th is a holiday on the next working day If you set the statement date to 31 then account statements will be generated on e The 31st for month with 31 days if 31st is a holiday on the next working day e The last working day for months lt 31 days For all other cycles account statement would be generated on the last day of that cycle Generate Interim Statement Check this box if you want to generate the interim statement Offline Limit This is the limiting amount till which transactions will be carried out between account s for the account class you are defining here between branches when the database connectivity is not functional Enter the off line limit here a ORACLE Note the following e If you are defining primary secondary and tertiary statements the frequency for each must be different and unique for instance if you define a monthly primary statement you cannot define a secondary or tertiary statement with a monthly frequency e Of
209. it line To pool balances across accounts you may need to link a common Credit Line across accounts where balances are to be pooled Therefore you will need to indicate whether balances for the credit line and the respective accounts should be netted As a result while performing the limits check for accounting the system will take into consideration the collective balance across all accounts linked to the line EXAMPLE Let us assume that Silas Marner holds three accounts with your bank 4 3 ORACLE 1 SA0000121 2 SA0000122 3 SA0000123 All three are linked to the credit line SA_Pool The credit utilization limit you have offered him is USD 10 000 The Available Balance in each of the account is as follows a SA0000121 SA0000122 SA0000123 Available Balance USD 1000 USD 2500 EUR 3000 Debits due to transactions 9000 NA NA processed today Sum of debits for today 8000 2500 3200 in USD Total Debit across accounts USD 2500 8000 5700 After pooling Mr Marner still has a credit utilization limit of USD 7 700 10000 2300 If you have defined temporary overdraft limits for the accounts and the temporary OD limit forms a part of the netting the temporary OD limit will not be considered for netting Rules for Set off for principal in referrals When customer accounts are linked for principal set off the Available Balance summed for all accounts in the arrangement plus the Overdraft Limit for the m
210. ition screen Click the FT tab The screen appears as shown below Customer Information Query Customer Information Customer E Linked Customer E Current Branch Only Address C Relationship Customer Relation Customer ID Name Accounts Loans Deposits FX FT Funds Transfer Details Branch Product Description Currency Balance Debit Credit Indicator From Date Transaction Date To Date Value Date The Balance amount displayed here is the incoming cash flow amount or credit balance for the FT product Double clicking a record in the Customer Position screen displays the corresponding FT Contract Summary screen Double clicking a record in the FT Contract Summary screen displays the corresponding FT Contract Detail screen comprising the transaction details 6 2 7 Viewing Collaterals Details You can view the collateral details for the selected customer through the Customer Position screen Click the Collateral button The Collateral Summary View screen appears for all collaterals linked to the customer liability 6 10 Double clicking a record in the Collaterals Summary screen displays the details of the selected collateral F Collaterals Summary Web Page Dialog Authorization Status Record Statue Liabiity Identification OO0O002 a gt Collateral Cocke search Advanced Seach Heset Records per page 15 w Ki ioa Goto Page Authorization Status
211. ividual financial institutions to his product Input the customer category you want to create using not more than 10 characters alphanumeric The category code should be unique For Example for Financial Institutions category you can input the code as FinlIn ue ORACLE Description This is the description of the customer category input above Enter the description of the customer category input above in not more than 35 character alohanumeric Taking the above example you can enter financial institutions Maintain Customer Log Check this box to indicate that customer information has to be tracked Non Resident Alien Y N Check this box to indicate whether a customer is Non Resident Alien or not TIN IC Select the TIN identification from the drop down list The available options are e None e TIN e EIN e ITIN e ATIN e SSN TIN Validation Check this box to indicate whether a customer s SSN is valid or not TIN Format Mask Select format mask from the drop down list The available options are e None e XX KXXXXXXX e XXX XX XXXX TIN Duplication Indicator Check this box to indicate whether a customer can share a SSN or not If this option is checked then the system will verify whether a given TIN is exists or not If exists then the system can accept the same TIN number for different customer else the system will accept different TIN number which is not present in the system aa ORACLE 2 8 3 IRS
212. ker Date Time Record Status Authorization Status Specify the following details in the Legal Title Maintenance screen Legal Title Abbreviation Enter the abbreviation of the legal title Legal Title Description Enter a description of the specified legal title abbreviation You can perform the following operations in this screen e Add 2 37 ORACLE e Modify e Delete e View The system will append the legal title maintained here to the customer s full name at the time of report or statement generation or extract generation System will display only the customer name at the time of account statement generation if you have not maintained legal title abbreviation for an account holder At the time of account statement generation the system will print the legal title abbreviation after the customer name with a comma placed immediately after the last character of the customer name followed by a space System will automatically truncate the legal title abbreviation if the legal title abbreviation is not fitting in the printable area It will not truncate the customer name in any situation The Account Statements carry the legal title abbreviation 2 3 1 Capturing UDF Values for Customers In order to Know your customer better you may need to capture certain additional information specific to a customer This is in addition to the regular information that you would capture in the Customer Maintenance screen To capture mo
213. lected consolidated charges product for the account Waive Charges Check this box if you need to waive the consolidated charges defined for the selected consolidated charges product Discount You can specify discount details for the consolidated charges applied for the account Discount Percentage Specify percentage of the amount to be discounted from the computed consolidated charges Discount Amount Specify a flat amount to be discounted from the computed consolidated charges 3 4 2 5 Specifying Statement Details Click Statement button in the Account Class Transfer screen to invoke Statement screen Statement Primary A c Statement Type None Summary Detailed Cycle On v Secondary A c Statement Type None Summary Detailed On v Tertiary A c Statement Type None Summary Detailed v v F Exclude Same Day Reversal trns from stmt Ok Cancel Specify the following parameters for each of the valid account type Primary A c Statement You can generate account statement periodically for primary account type e ORACLE Type Select the statement type to be generated from the options The following values are available for selection e None Select this option if you do not need an account statement e Summary Select this option if you need a brief account statement e Detailed Selec
214. ll have null values during the BOD of the Statement Cycle Date Example If the statement cycle date is 17th of every month and there is a change made in the check disposition next value field on the 25th of August in that case the value in the current cycle field will be extracted on the statement cycle date i e 17th of September The current cycle field will be updated with the value in the next cycle field on the BOD of 18th of September Check Image Specification This field gets enabled only if you select I for check disposition In that case the available values under it are e F Front of check e D Front and back of check On the other hand the check Image specification gets disabled when you select the R T and S values for check disposition respectively oe ORACLE Check Image Count This gets enabled only when you select l in check disposition 1 10 values are available under check image count It remains disabled when you choose R T and S values for check disposition respectively Enclosure Count The system automatically generates the enclosure count or the number of checks returned on BOD Mail code select one of the following mail code values from the drop down list e D Donot print e P Print and mail e N Print but do not mail e F Foreign Postage print and mail e S Special Handling i e multiple copies of a statement to go in the same envelope Electron
215. ll maturity Waive Penalty for Liquidated Interest Lost All interest _ Penalty Not Exceed the Interest Penalty override allowed Redeposit Interest is allowed Redemption Fund Availability _ Delayed Payment Applicable Redemption Order C Component Priority ear ORACLE You can maintain the redemption preferences under the following fields Redemption Details Specify the following details Principal is Allowed Check this box to indicate that redemption of principal amount is allowed for this account class Interest is Allowed Check this box to indicate that redemption of interest amount is allowed for this account class Redeposit Interest is Allowed Check this box to indicate that redeposit of interest is allowed for the accounts associated with this account class Redemption Penalty Options Waive Penalty Check this box to waive the penalty on redemption of the accounts associated with this account class Waive Penalty for Interest Redeposit till Maturity Check this box to waive the penalty for interest redeposit till the maturity date If you check this the system will not apply penalty on the interest redeposit till the maturity of the account Waive Penalty for Liquidated Interest Check this box to waive the penalty for liquidated interest If you check this box the system will not apply penalty on the liquidated interest Lost All Interest Penalty Not Exceed the Interest Check
216. me slab Exposure Category You can specify the exposure category that is to be used to track the total exposure within the basis amount range for the customer category type you have specified When the exposure category for a CIF or customer group is derived according to the logic maintained in the Exposure Category Type Linkage screen the outstanding overdraft in all accounts belonging to the group CIF as well as the exposure due to loans issued to the group CIF is summed to compute the total exposure 5 7 ORACLE 5 1 4 3 Specifying Exposure Category for Customer When you maintain CIF details for customers in the Customer Information Maintenance screen you can specify the exposure category under which exposure due to loans issued to the CIF will be tracked The exposure category is derived by the End of Day batch program and displayed if the applicable logic has been maintained for the specified customer provisioning group in the Exposure Type Category Linkage maintenance If no logic has been maintained for the group you can specify the applicable exposure category 5 1 5 Maintaining Rules for Provisioning For each account class for which you have defined account provisioning to be applicable you can define the rules according to which the provisioning amount would be computed when applied to an account using the class You can define the provision rules in the Account Class Provisioning Rule Maintenance screen Invok
217. mer is authorized Refer the Enterprise Integration Bus Interface chapter in the Interface User Manual for more details on notifications Check the Linked Customer check box and provide the Customer Number and click Query button to view all linked customers in Linked Customer Details Select a customer from the details and click Fetch button to perform a query operation on the selected customer The displayed values are based on the query parameters provided Other Basic Customer Information You will notice the following buttons in the Customer Maintenance screen aan ORACLE Recurring Transfer Linked Entities CLS Restrictions MT920 Through this screen you can associate the customer code with a group Through this you can define the MIS details of a customer for future use Through this you can capture details of joint customers Through this screen you can view the details of all Recurring Transfer s associated with respective the customer code Through this screen you can link different customers to the specific customer whose details you are capturing and specify the relation shared by the two customers For details about linked entities refer to the section Maintaining Customer Accounts under the heading Relationships for Customer in this user manual Through this screen you can store free format text scanned images etc about the customer whose details you are capturing
218. mit for a particular REGD transaction code using the Reg D Reports screen You can invoke the screen by typing STRREGDT in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button Reg D Reports Account Branch Account Number az Branch Code O Single Account All Accounts Date Range RegD Period Start Date RegD Period End Date Specify the following fields Account Number Specify the account number The adjoining option list displays a list of account numbers maintained in the system Choose the appropriate one Single Account All Accounts Indicate the type of account for which you want to generate the report You can select from the following options e Single Account if you want to generate report for a single account e All Accounts if you want to generate report for all accounts Date Range RegD Period Start Date Indicate the start date from which records should be considered for report generation using the adjoining calendar RegD Period End Date Indicate the end date until which records should be considered for report generation using the adjoining calendar The report consists of the following information e Branch code 8 15 ORACLE e Account e RegD Period start date e RegD Period end date e Total transactions in restricted category e Total similar transactions in restricted category 8 14Netting Report You can generate
219. more details 3 2 19 Maintaining Sequence for Funds Allocation The allocation of funds will occur as per the product sequence you maintain in the Product Maintenance screen invoked from the Account Class Maintenance screen Click the Amt Block button to access this screen The screen is as shown below Amount Block Details Account Class Description Product Maintainance Number Product Code x Product Description In this screen you will specify the sequence of products based on which funds will be made available when a credit is posted to an account with a track receivable option The sequence number is automatically generated by the system All authorized products of your bank will be available in the option list On selection of the product the product description will appear alongside Whenever a credit happens to an account with a track receivable option the system will check if the account has any receivable being tracked against it If yes the amount is blocked as a receivable and this process continues until the amount needed for liquidation becomes fully available The batch process run as part of EOD BOD will liquidate the loan contract or retail teller contracts lf the amount received is not sufficient for full liquidation then depending on the minimum amount required for liquidation the system would initiate a partial liquidation for loans but for retail teller contracts liquidation will
220. mum Withdrawal Advice Reports This advice is sent to all customers approaching the minimum distribution age The advice contains information about all the plans held by the customer under the plan type Since it is not generated automatically you have to invoke the advice generation screen and identify the Plan Type and the Reference Number of the plan involving the plan type for which the minimum distribution age advice is to be generated 8 3 1 Contents of the Report Apart from the header the following details are printed for the report Body of the Report Customer The CIF Number full Name and mailing address of the Information customer as recorded in the CIF Maintenance screen Plan Type The plan type involving the plan Plans Held This information includes Plan Number Plan Balances current year only Plan Balance Total Contributions Excess Contributions Total Distributions Total Employer Contributions where applicable Excess Employer Contributions Plan Remarks if any 8 4 Charge Advice Reports This advice is sent to all customers on whom you are levying a charge as a result of the IRA Charge set up The system generates this advice automatically as part of the EOD processes on the day the charge liquidation takes place 8 4 1 Contents of the Report Apart from the header the following details are printed for the report Body of the Report Customer The CIF Number full Name and mailing address of
221. n identifying the relationship Display on Statement You can set the relationship to appear in the account title of customer communications such as accounts statements To indicate if the relation should be displayed on the statement or not select the Display on Statement check box Phrase You can specify the Phrase for the relationship here The phrase helps in defining the relationship code As part of the phrase you may use two predefined parameters 1 2 to record the two parties involved in the relationship oo ORACLE For example while defining the relationship code for Doing business as the phrase would be maintained as 1 Doing business as 2 where 1 would represent the Primary customer Customer in the relationship and 2 would represent the Secondary customer Customer2 The types of relationships defined in this screen will become available for linking two customers only upon authorization of the details maintained 2 14 2 Maintaining Relationships between Customers The Customer Linkage Maintenance screen is used to maintain relationships between customers In this screen you can link two customers and specify the relationship that exists between them You can invoke this screen by typing STDCUREL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button gt Customer Linkage Maintenance Relation Type Account Customer Customer1 laz
222. n Aulo Depos a oe ee ae eee ee ne ene are eee 3 26 3 2 18 Maintaining Rules for Automatic Status CRANGC ccccccccc cece cece cece e eee eben aaa aaa aa aa aaa 3 28 3 2 19 Maintaining Sequence for Funds Allocation cccccccccccc cece cece cece EEE EERE EERE 3 33 3 2 20 Maintaining Transaction Restrictions for Account Class c ccccccccccc cece cece eect ee eet aaa aaa a aaa 3 35 3 2 21 Maintaining Details of Account Statements Generation cccccccccccccccccccceceece cece eee cece ee eeeeeeneetteteeeeeeees 3 36 3 2 22 Specifying Regulations Applicability for Account C1ASS ccccccccc ccc ce cece cece eee 3 4 3 2 23 Assigning Preferred Branches Currencies and CUStOMETS cccccce cece cece 3 42 3 2 24 Maintaining Branch Preferences sciccesssiesssceeusinienlctaidasinun aateadaiae naan ee 3 42 32 23 Mainiaimne Currency Preeren OS coceira d iei eni iow nasa neste 3 43 32 20 Mamtainino Customer T reren EN creer a E EAEE 3 44 3227 Maintaining Notice PrE ren ES ocsccssseecssstesccsscesiaviasdusiiunlestaenadiel ins aoe 3 45 ORACLE 8 3 2 28 Maintaining Redemption Details x cicc0 dscnasessecnawasdlaxstarsaciasatdiccesacuentaddantionsdchendblacaeiestacgadadiaaniensaceaes 3 46 3 3 MAINTAINING KYC DOCUMENT CHECKLIST sesseeeeesereesssretreerreetssrtetttssreeerssreesssereetsstreeesssreeesserreesssree 3 48 3 4 MAINTAINING PREFERENCES FOR DOCUMENT DELIVERY MODE cccceesssssseeceeeeeesessneeeeeeeeeseesaeeeeeees 3 51 3 4
223. n account for calculating the limit fees Hence the account balance of this account will always remain as 0 To ensure the line account functionality you will have to maintain the following 7 ORACLE In the Customer Account Maintenance screen you will have to create new customer accounts with Account Class type as Line Account and ensure the following parameters for every new line associated with a liability e The CIF of the account in the Customer Account Maintenance screen will have to be the same as the liability to which the line will be linked in the Limits screen e The currency of the account in the Customer Account Maintenance screen will have to be the same as the currency of the line that will be attached in the Limits screen e The interest calculation account maintained in the Interest and Special Conditions Maintenance screen will have to be the same as in the Limits screen However the Interest Booking Account maintained in the Interest and Special Conditions Maintenance screen can be some other account belonging to other account class types Since accounts can be of different types you need to indicate the type of account for which you are defining an account class It could belong to any one of the types mentioned above Account Code As per your bank s requirement you can choose to classify account classes into different account codes The bank can decide the manner in
224. n ae C Clear on statement generation Maker Date Time Wod No Checker Date Time Record Status Authorization Status In this screen you can perform the following operations Adding a mail code Modifying a mail code Deleting a mail code Viewing the mail code details 2 33 ORACLE Specify the following mail code details Mail Code Specify the mail code The mail code will be sent to the statements as long as it continues to be in the customer address Mail code is printed in all communications sent to the customer s address Mail Code Description Enter a description of the mail code Clear On Statement Generation Check this box to specify that mail codes maintained for a customer or account needs to be cleared on each account statement generation Leave it unchecked to indicate otherwise 2 2 10 1 Viewing the Mail Code Details of Customers You can use the mail code summary screen to query and view the mail codes of the customer or customer account You can also invoke this screen by typing CSSMLCOD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button gt Mail Code Summary Authorization Status Record Status Mailcode dL Advanced Search Records per page Authorization Status Record Status Mail Code hail Code Description Clear on statement generation ao ORACLE When you query using the mail code list of value it will display all the
225. n maintaining currency restrictions and other maintenances required for processing CLS deals in Oracle FLEXCUBE MT920 Check this option to indicate that the customer is eligible to request for MT920 messages MT920 Account Update Request A request for an up to date statement from the bank where the referenced Account is held The request may be for an Intra Day Update MT942 or an End of Day Update MT940 and is subject to the service agreed with that bank Issuer Customer If the customer whose CIF you are maintaining is an issuer of securities then check this box ORACLE 2 2 2 2 Relationship Pricing Select this checkbox to indicate that the customer is eligible for relationship pricing This checkbox will be unselected by default For more details on relationship pricing refer Relationship Pricing user manual Staff Check this box whenever a customer record is created for a staff By default this box is left unchecked Specifying Geographical Details As part of specifying the Geographical details of the Customer you have to capture the following details Language As part of maintaining customer accounts and transacting on behalf of your customer you will need to send periodic updates to your customers in the form of advices statement of accounts and so on You have to indicate the language in which your customer wants the statements and advices to be generated English is defaulted as the language of corres
226. n or equal to the From Date The To Date field can also be left blank which would indicate that the maintenance is open ended Limit Currency You need to specify the currency in which the free allowance limit is being defined Limit Amount You need to specify the maximum waiver for the taxable amount Basis Amount for the customer for each tax cycle if the End Date overlaps tax cycles or for a particular tax cycle if the period falls within a specific tax cycle Remarks You can specify any remarks you think necessary for the tax limit you have defined This will be in free format text 2 3 11 1 Deriving Tax Free Allowance Limit The following table will be used to derive the tax free allowance limit Customer Tax Group Tax Category Customer Number 2 3 12 Amendment Maintenance To recall you need to identify the fields that can be amended by an external system say a Siebel CRM application Every amendment request coming from such a system has the following data e Service Name This is a broad level grouping of similar operations within a module in Oracle FLEXCUBE The service names are published by Oracle FLEXCUBE As an example you can consider FCUBSCustomerAccountService This service is exposed by the FCUBS Interface Gateway to do a permissible operation on a customer account ae ORACLE e Operation Name This is the name of the operation that the external system wishes to perform within the service Th
227. n shows the other details pertaining to the customer You maintain the attributes for individual customers You maintain the attributes for all corporate customers Custom You maintain any other corporate customer related information which your bank would like to maintain in addition to the ones defined under Corporate You can maintain the attributes for Board of Director of the organization Withhold You can maintain the attributes for Withhold tax details Tax aa ORACLE 2 2 1 Maintaining Customer Basic Record To define the basic details of the customer click on the Main tab The details that you can specify for a customer depend on the type of customer whose details you are capturing If a particular field is disabled it means that the field is not relevant to the type of customer that you are creating Customer Maintenance Short Name Branch Code 000 Main Auxiliary Personal Corporate Director Address For Correspondence Name Address City State Zip Country Name Generate Address Change F Advice Fax Credit Rating Delivery By Swift Code La E Group Code Charge Group Clearing Group withholding Tax Group Industry Code gt SSH IN TIN Detail TIN Type SSN Tax ID Tin Cert Indicator Not Applicable IRS Notification Received Da e te C B Customer Notification Send e
228. n the lines that are provided you can enter the name of the customer The customer will be addressed by this name in all correspondence sent from the bank These characters should conform to SWIFT standards The number of characters that you can enter in this field is determined by the preference that you specified in the Bank Parameters screen However in the advices and statements that are sent to the customer only the first 35 characters of the name will be displayed Address You can specify the mailing address building name building number street name names of landmarks of the customer in the three rows provided here In each line you can enter a maximum of 35 alphanumeric characters All characters should conform to SWIFT standards You can enter the City State and Zip code for the customer in the following fields In the summary screen these details are listed along with the mailing address City Enter the city here State Specify the state by selecting it from the list available here The states are listed in their two character code format as maintained in the State Name Maintenance screen Zip Specify the Zip code of the customer here Country This is the country as given in the address of correspondence of this customer Click on the option list positioned next to this field a list of countries maintained in the Country Codes screen is displayed You can select the appropriate On selecting the country co
229. nce and PC Product Category screens you will need to maintain the authorized customer name variations through the Customer Names screen Invoke this screen by typing STDCIFNM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ae ORACLE Customer Name Maintenance Customer Humber Customer Mame Customer Name Detail CT customer Name Input By Dror Date Time Modification Humber Authorized Authorized By Date Time i Open In this screen you have to capture valid customer names which have to be associated with Customer Numbers maintained in Oracle FLEXCUBE Because of this maintenance each time an incoming FT or PC contact is processed the System validates the account number and name involved in the transaction with the authorized customer name If the validation is successful the customer name is added to the existing list and the contract is marked as authorized If the validation fails the contract is marked as unauthorized Even during manual authorization of such contracts an override is displayed asking whether the customer name needs to be added to the existing list It will be added to the existing list on confirming the override 2 14 6 Maintaining Float Days for Outward Clearing Customer Transactions Float days applicable for arriving at the Credit Value Date for outward clearing customer transactions are defined through
230. nce Number Module Code Transaction Code Event Code Transaction Date Value Date Debit Credit Foreigr 6 2 13 Overdrawn Accounts Query Invoke the Overdrawn Accounts Query screen by typing ACDCODQS in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 6 17 Overdrawn Accounts Query Customer Number Account No az Currency Facility Identifier az Liability Number C Linked Customer Linked Account Customer Number Branch Code AccountNo Currency Facility Identifier Liability Number Payable Balance Uncoll Funds You can view the following information in this screen Customer Number Account Branch Account Number Account Currency Facility Identifier Liability Number Payable Balance Linked Customer Check Linked Customer and provide Customer Number and click Query button to view all the Overdrawn Account Numbers of the customer and its linked customers Linked Account Check Linked Account and provide Account Number and click Query to view all Overdrawn Account Numbers of the customer of the account The displayed values are based on the query fields provided 6 2 14 Uncollected Funds Query Invoke the Uncollected Funds Query screen by typing ACDFUNCO in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 6 18 Uncollected Funds Query C Linked Account Account
231. nce number will be generated and displayed while saving this screen Full Name of Customer Specify the full name of the customer KYC Customer Type Specify the type of KYC customer from the adjoining drop down list The list displays the following values e Retail Customer e Corporate Customer e Financial Customer er ORACLE Risk Level Select the risk level from the drop down list The list displays the following values e Level e Level2 e Level3 Retail Customer Tab You can specify the KYC profile details for retail customer in the KYC Retail Profile screen Click Retail Customer tab to invoke this screen KYC Retail Profile Beneficial Owner Information Birth Date Account Type Declared ai Birth Place E Power Of Attorney zr E E Resident Nationality Passport Number Politically Exposed Person Office Tel Number Passport Expiry Date e PEP Remarks Residence Tel Visa Number Local Address Mobile Tel Number Visa Expiry Date F KYC A ts C Home Country Address ax YC Amounts Currency uso gt 3 Purpose Of Account Openin g Others Beneficially Owned Company M Company Name Location Holding Annual Income Line Of Business i _ lel Jel I ie Source of Income _ Salary J Rental Related Companies Acoounts with Bank i1 ee TE E investment C Company Account Number Personal Accounts Numb
232. ndatory Indicate one of the following options from the drop down list for the document Mandatory Overridden oe ORACLE Others You can indicate a document to be mandatory for the type and customer category selected The default value will be Overridden After maintaining all the above listed document details save the maintenance The details maintained here get defaulted at the customer and customer account level STDDOCBT EOD Batch STDDOCBT EOD batch will be setup as part of post EOTI for head office branch This batch will use the expiry date captured against all mandatory documents in the customer maintenance screen under documents sub screen The batch will check if today s date is expiry date minus grace days of any mandatory document If yes system will pick the relationship officer linked to the customer record System will then insert an alert for that relationship officer with the following description Mandatory document of customer id customer id is due to expire in x days Document Type document type Expiry date expiry date There will be one alert each for every document type that is mandatory Alerts for Expired Document When the mandatory documents maintained at customer maintenance STDCIF level for a customer is about to expire based on expiry date captured for the document system will alert you about the same oe ORACLE The same will be displayed under the below listed path
233. ndicate the currency in which the limit amount is expressed The outstanding of all customers associated with a group is aggregated to arrive at the credit utilization of the group This includes issuer risk arising out of securities issued by your customers and held by the bank 2 8 5 Associating Customer Account with Group While maintaining details of a customer account you can associate it with a customer group A customer can be associated with several customer groups Click Group button from the Customer Maintenance screen to associate the account with a customer group a ORACLE The screen is shown below Customer Group roug Details F Group lE Relation Partnership Details d Share Holder ld Shareholders Mame Holding Percentage 2 8 5 1 Specifying Group Details To associate a customer account with a group select Group ID from the option list The option list will contain a list of all the customer groups that you maintained in the Customer Group Maintenance screen To add a group to the list click on Add button and select a Group ID from the option list To remove a group from the list highlight the Group ID and click Delete button For each group that you associate with a customer you can specify the relationship that the customer shares with the group 2 8 5 2 Specifying Shareholding Details You can maintain percentages of shareholding of your individual customers in a corporate entit
234. ning In addition to the provisioning preferences that you specify for an account class you must also maintain the accounting roles and heads representing the GLs to which the accounting entries for provisioning must be passed for each account status You can maintain this information in the Status Details screen when you define each of the status codes Rebook Provisioning on Status Change In the Status Details screen you can indicate whether provisioning entries for an account must be rebooked when provisioning is done after an automatic status change for the account Rebooking essentially means that fresh provisioning is done after writing back the previous provisioning amount The provisioning batch process when executed not only computes the provisioning amount it also records the current status of the account and checks whether the current status is different from the status that was prevalent when the process was previously executed If so the old provisioning amount is reversed if the Rebook Provision option has been set in the Status Details and the entries for the new provisioning amount are booked into the provisioning and write back GLs maintained for the current status in the Status Details If the Rebook Provision has not been set there is no reversal of the old provisioning amount and the differential provisioning entries are passed as usual into the GLs maintained for the new status 3 2 17 Maintaining
235. nt Risk Categories for Customers in the Risk Category Maintenance screen You can invoke this screen by typing STDRKMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Risk Category Maintenance Risk Category Description Input By DOr Date Time Modification Number MB authorized Cancel l ance Authorized By Date Time v open Specify the following details in this screen e Risk Category Define the type of Risk Category in this field e Description Provide a brief description of the Risk Category being maintained The types of Risk Categories defined in this screen will be available for Liability maintenance of customers and Risk percent maintenance only upon authorization of the details maintained Risk Category is not a mandatory input during Customer Maintenance Risk Category is applicable to the Customer and not to the Customer s Liability ID oon ORACLE 2 11 4 Maintaining Household Codes for Customers You can maintain household codes for customers in the House Hold Code Maintenance screen You can invoke this screen by typing STDHSHLD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Household Maintenance Screen Waker Date Time Mod Number Checker Date Time Record Status Authorization Status Specify the following fields House Hold Code Specify the hous
236. nt s and the Submit Age Proof chosen is Pending then the system throws an error stating that Necessary documents are not submitted for Major e Once the documents are submitted the user has to manually set Submit Age Proof as Verified e After the field Submit Age Proof is changed to Verified then all the accounts created for the customer would be allowed for withdrawals Legal Guardian Name Specify the name of the legal guardian of the customer if the customer is a minor You can capture the name of the legal guardian not exceeding 35 characters alphanumeric The characters should conform to SWIFT standards Date of Birth Specify the date of birth of the customer pee ORACLE Domicile Address Lines 1 2 and 3 Specify the address of domicile of the customer Three lines have been provided for this Each line can have a maximum of 35 characters alphanumeric Only characters specified as per SWIFT standards are permissible Domicile Country Specify the country of domicile of the customer A list of all country codes maintained in the Country Codes Maintenance screen is available in the option list You can select the appropriate code On selecting the country code the country name appears If the country code selected is US then the country name will not appear and will not be included as part of the address Only non US country names are included in the address
237. ntract and account details or using the exposure category of the CIF and the status of all accounts and contracts involving the CIF according to the linkage maintained in the Exposure Category Provisioning Percentage maintenance 3 Having obtained the provisioning percentage applicable the system then computes the provision amount based on the rule defined in the Loans Provisioning Rule maintenance for loans and the Account Provisioning Rule Maintenance for accounts 4 The computed provision amount would then be stored for the accounts and contracts and appropriate accounting entries passed The computed provision amount is stored and displayed in the Amount Tab in the Customer Account Maintenance The current status and exposure category of the account is also stored along with the balances In case of contracts the provision amount is not re computed when a contract amendment value dated amendment or automatic or manual payment is done but only as part of the provisioning batch On maturity of the contract the provision amount is reversed Similarly in the case of accounts the provision amount is written back when the account is closed 5 1 7 2 Computation of Provision Amount When status processing is done at a group or CIF level The worst status among all contracts and accounts under a specific customer group or CIF is arrived at All accounts and contracts with automatic status processing involving the customer group or CI
238. nvoke this screen by typing STRIRSNT in the field at the top right corner of the Application tool bar and click on the adjoining arrow button FS Notification Report From Date E To Date IRS Report Status All wi RS Customer Group All ne Financial Year laz You can enter the following details From Date Specify the date from which the transactions need to be considered for report generation To Date Specify the date until which transactions need to be considered for report generation IRS Report Select the IRS report from the drop down list to indicate the status of the report The available options are e All e Generated e Awaiting Customer Confirmation e Sentto IRS e Customer Confirmation Received e IRS Correction Received e Notification Sent to Customer e Record Finalized 8 8 ORACLE IRS Customer Group Select the IRS customer group from the drop down list The available options are e All e 1099 INT e 1099 OID e 1099 MISC e 1042 S Financial Year Specify the financial year of transaction The option list displays all valid financial years maintained in the system Choose the appropriate one Click OK button to generate the report click Exit to return to the Reports Browser 8 7 1 Contents of the Report The report options that you selected while generating the report are printed at the beginning of the report The contents of the report are discussed below
239. ny of the following criteria and clicking on Search button e Authorization Status e Record Status e Reference Number e User Reference Number The system displays all the records that match the query criteria specified If you do not specify any criteria before clicking Search all records are displayed To view a record in detail double click on it 2 13 Updating Customer UDF Details in Bulk You can update UDF details for several customers through a single maintenance The process is the same as for the update of MIS details explained earlier 2 13 1 Creating New UDF Updates You can create a new bulk update for customers in the UDF Maintenance screen You can invoke this screen by typing STDUDFUPFP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button The following screen is displayed 2 85 ORACLE UDF Maintenance Customer UDF UDF Value Customer Category 5 Query User Reference Number 000ZCSTOS36S00EE Reference Number O00ZCSTOS36S00EE _ Default Value For All Customers Customer No Customer Name Branch Code Required O Old Value New Value z Maker Date Time Mod Number Record Status Cancel Checker Date Time Authorization Status Here you can specify any combination of the following parameters to obtain the customers for the update Customers Speci
240. ocessed separately to pass charge entries if applicable at the transaction level Specifying Turnover Limit Preferences You can specify turnover limits for an account class and thereby monitor the turnover in all accounts linked to the account class Turnover Limit Code Specify a turnover limit code that should be linked to the account class The adjoining option list displays all valid turnover limit codes maintained in the system using the Turnover Limit Maintenance screen You can choose the appropriate one 3 2 8 Specifying Liquidation Preferences for Debit Interest and Charges You must specify the liquidation preferences for debit interest and charges for those accounts classes where interest charge has to be debited from a Receivable GL before actually debiting the customer account This feature is applicable only for the debit interest and any charges on the account calculated through the IC module The preferences that you need to specify are e Liquidate Using Receivable Indicates whether receivable tracking is required for IC Debit interest and IC charges oe ORACLE e Debit Notice enabling this option indicates that a notification needs to be sent to customers before debiting the customer account for the interest charge calculated for the period e Liquidation Days specifies the number of working days from the actual liquidation date before the interest charge can be liquidated into the customer account W
241. omer Signature C Check Book C Auto Reorder of Check Book aa i Management EJAT Dormancy Advice Welfare Reform Act Account Type Account Registration w The following are the preferences that you can specify for an account class e Limit Check you can check this box to indicate that a limit check for sufficient availability of funds in the account will be made for all accounts belonging to the account class e Overdraft Facility if checked indicates that all accounts belonging to this class would be allowed an overdraft facility facility to draw a specified amount over and above the balance in the account e Interest Charges if checked indicates that for interest and charges computation the Interest and Charges module will process accounts linked to this class e Track Accrued IC if checked indicates whether accrued interest in the Interest and Charges module on an account linked to this class would be considered while computing credit utilization for the account e Passbook Facility if checked indicates that accounts linked to the account class are issued passbooks e ATM Facility if checked indicates that accounts linked to the class will avail the ATM facility e Daylight Limit if checked indicates that you can specify daylight overdraft limit for all the accounts belonging to this account class While modifying the maintenance if you uncheck this
242. on Code Maintenance screen You can invoke this screen by typing STDDLCRC in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button Last Contact Reason Code Maintenance Maker Date Time hlod No Checker Date Time Record Status Authorization Status Specify the following fields Reason Code Specify the reason code you want to maintain for the last day contact of the customer with the bank Description Provide a valid description of the reason code di ORACLE 2 10 Maintaining Last Contact Date You can maintain the last day the customer contacted the bank using the Last Contact Date screen You can invoke this screen by typing STDDLCMT in the field at the top right corner of the Application Toolbar and then clicking the adjoining arrow button Last Contact Date Update Level Update Value 90000212805 Last Contact Date 2003 12 05 Reason Code TDD Description TDD Last Report Run Date Marked for Escheatment Maker SYSTEM Date Time Mod No 1 Checker SYSTEM Date Time Record Status Open Authorization Status Authorized Specify the following fields Update Level Select the update level from the drop down list The drop down list displays the following options e Customer Account e Customer Update Value Select the customer accounts CIF The adjoining option list displays a list of customer accounts CIF maintained in the system Choose th
243. on date of the products mapped to the account Effective Date Select the effective date for account class transfer from the adjoining calendar System displays an error message in the following conditions ac ORACLE e If the specified date coincides with a holiday e If the effective date is not provided and the transfer is based on actual date e If the selected customer account has an unprocessed record GL Details The reporting GL details of the account selected is defaulted here when you click Default button Preferences You can specify preferences for your account here Check Book Check this box if you need a Check book to be issued for your account Passbook Check this box if you need a passbook to be issued for your account ATM Check this box if you need to avail an ATM facility for your account Status Change Automatic Check this box if you need automatic status change for your account 3 4 2 1 Auxiliary Tab Specify the auxiliary details by clicking Auxiliary tab in the Account Class Transfer screen Account Class Transfer Branch Code Old Account Class Account Account Class Currency Detautt Main BE ora Cheque Book Preferences Options Remarks Auto Re order Cheque Lodgment Book Required Consolidated Cert Reqd Processed Status Reorder Cheque Level Back Period Entry Allowed Reorder Number Of Leaves Referral Required Check Book Name 1 Track Receivable Check
244. orking days are calculated on the basis of the Local Holiday Calendar e Liquidation Mode debit interest or charges can be liquidated either Manually or Automatically If you choose the automatic mode of liquidation debit interest or charges are liquidated automatically as part of the BOD process on the liquidation date However after having specified Auto as the mode of liquidation if you wish to liquidate them manually for a specific account the System intimates you with an override message Manual interest liquidation can be triggered through the Debit Interest Liquidation screen Manual liquidation is recommended during Account Closure e Verify Funds enabling this option indicates that an available balance check should be performed for receivable tracking As a result the System performs the available balance check before debiting the account The available balance also includes the limit amount Verification of funds is applicable only in the case of Auto Liquidation If you leave this option unchecked the System performs a force liquidation regardless of whether the account has sufficient funds or not Note the following e You will not be allowed to change these preferences at the account level However in the Amounts and Dates section of the Customer Accounts Maintenance screen both the total debit interest due as well as the charges due are displayed e lf there is any outstanding interest or charges on t
245. ount needs to be associated with an account class Therefore you will need to maintain account classes before you start defining customer accounts All such screens have been documented in the subsequent sections 3 2 Maintaining Account Classes In the Oracle FLEXCUBE system you can classify the customer accounts of your bank into different groups and assign each an identifying code For instance you may define a group called INDSB to represent savings accounts held by individuals SB INS to comprise institutional savings accounts COR CU for corporate current accounts Each group is referred to as an Account Class and is maintained in the Account Class screen For each class you also define certain common attributes applicable to all accounts in this class such as the General Ledger lines to which the accounts in this class report to facilities granted to the account holders pass book check book ATM etc In the Customer Accounts Maintenance screen where you open accounts for the customers of your bank each customer account is linked to an account class and the attributes defined for the account class are by default applicable to the customer account For instance if the frequency of account statement generation has been defined as daily for an account class CU COR the system generates statements for all accounts under this class on a daily basis However some of the parameters defined for the account class can be revi
246. ours ORACLE Invoke the Jobs Browser screen from the application typing CSSJOBBR in the field at the top right corner of the Application tool bar and click on the adjoining arrow button Jobs Browser Job Module v Process az Status v emen Aivanesa searen C JobModule Process Process Sequence Number Status Status N Stopped T Running H Halted Select the option Generate Balance Report from the Process option list All associated accounts of the particular branch that have been marked for generation of balance statements are procured by Oracle FLEXCUBE The debit and credit accounts considered since the previous issue of an MT 941 are picked for the current processing The previous messages are based on the parameters maintained for each account This processing produces details of the statement generation 3 2 21 4 Generation of Ad hoc Reports Balance reports for each account under an account class can be generated on an ad hoc basis The Ad Hoc report generation screen is used for capturing details of a balance report sent ad hoc You can invoke this screen by typing ACDADCRP in the upper right corner of the application toolbar and clicking the arrow adjacent it Adhoc Report Generation Balance Branch Code 000 Swift Message Type 941 v Account Generate Statement os ORACLE Branch Code The branch to which the account marked
247. over I 1 of 1 Details Of Clients oo lo E Settlement Mode Client Name Country Payment Mode 2 47 ORACLE Customer and Sponsors Information e Name of the group e Country of Parents Company e Type of the company e Other details e Currency in which KYC amount is maintained Reason of Account e Reason for opening an account e Other details Specifying Nature of Business e Nature of business e Name and details of the product traded in the business e Main source of funds e Borrowing account group e Annual turnover of the company Details of Key Person e Unique identification for the KYC e Name of the key person e Relation ship of the key person with the corporate customer e Nationality of the key person e Position or title of the key person e Percentage of share for the key person Specifying Company Details e Details of the company branches e Number of person employed in the company e Mode of salary in the company e Other details Specifying Details of Suppliers e Name of the supplier e Country of the supplier e Mode of settlement 2 48 ORACLE Specifying Details of Clients Name of the client Name of the country of the client Mode of payment Specifying Transaction Types Type of transaction Count of the transaction Total amount of the transaction Maximum single amount for the transaction Purpose of the transaction Country of the transaction Purpose of fund transfer within a country Audit date
248. p Customer Relation Customer ID Name Accounts Loans Deposits FX T Account Details Branch Customer Account Customer Description Currency Current Balance Related Customer Relationship Debit Credit Indicator Transaction Date Value Date 6 2 1 Viewing Accounting Details The screen displays all the accounts linked to the selected customer for the specified date range and grouped by Branch Customer Account and Currency 6 1 If you check the Linked Customer check box and provide the Customer Number and click Query button all linked customers of the customer number entered will be displayed To query on any linked customer displayed select the customer and click Fetch button A query operation is performed on the selected customer and the details are displayed The displayed values are based on the query parameters provided You can use the Balance Enquiry screen to view the account balance details of any particular account of the selected customer Invoke the Customer Account Balance Query screen by typing ACDCBIRD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Account Balance Query Account Number Currency Customer Number Account Class C Linked Customer QUERY C Linked Account Account Number Status Dormant No Debit No Credit Frozen Currency CurrentBalance Available Balance Unutilized
249. pecify the charge amount applied for the selected product at the account Rate Specify the rate to be applied for the charges maintained at the account level 3 4 2 4 Maintaining Account Level Consolidated Charges Conditions Click Consolidated Charges button in the Account Class Transfer screen to invoke Account Level Consolidated Charges Conditions screen a ORACLE Account Level Consolidated Charges Conditions Account Details Branch Code ooo Account 00000007501 Product E Currency Minimum Product Details Maximum Discount Discount Percentage Discount Amount The following details are captured here Account Details You can maintain the account details for an account here Branch Code The current branch code is defaulted here Account The system generates the account number maintained in the Main screen of Account Class Transfer Product Details You can specify product details for your account here Product Code Select a valid product code from the adjoining option list Currency The system generates the user defined currency type defined for the selected consolidated charges product Minimum Specify the minimum consolidated charges that can be applied for the account Maximum Specify the maximum consolidated charges that can be applied for the account oe ORACLE Open Check this box if you need to apply the se
250. pondence you have the option to change the default The list positioned next to the language field contains all the language codes maintained in the SMS module You can select the appropriate Country This is the country as given in the address of correspondence of this customer Click on the option list positioned next to this field a list of countries maintained in the Country Codes screen is displayed You can select the appropriate Nationality Specify the nationality of the customer The list of country codes maintained in the Country Codes Maintenance screen are available in the option list positioned next to this field You can select the appropriate Exposure This is the country of exposure of this customer It is maintained for Central Liability tracking For instance for Toyota in the USA the country of exposure is Japan Location Each customer code should be associated with a location code The location is indicative of the place of residence of your customer e ORACLE The option list positioned next to this field contains a list of all the location codes maintained in the Location Details maintenance screen You can select the appropriate code to identify the place of residence of your customer Given below is an illustration of how a location code is associated with the CIF record of a customer Example You would like to maintain the CIF details of your customer Silas Marner Although Silas Marner is Irish he i
251. ption Currency Balance Debit Credit Indicator From Date Transaction Date To Date Value Date Double clicking a record displays the Deposits Contracts Summary screen comprising a Summary of transactions contributing to the balance displayed in the Customer Position screen MM borrowings Deposits The Balance is the principal balance for the selected Deposit product Double clicking a record in the Loans and Deposits Contract Summary screen displays the corresponding Deposit Contract screen comprising transaction details The summary screen will not be displayed if the deposit does not belong to the current branch 6 8 Corporate Deposits Contract Input Contract Reference Number Product Product Description ke Contract Schedules Rollover Preferences Customer Currency User Reference Outstanding Amount Source Holiday Preferences Amount Interest Period Basis include Frm Dt Local Currency Equivalent Settlement Details Credit Credit Account Debit Debit Account External Reference Number Booking Date Tax Scheme value Date Original Start Date Rollover Yes Cluster Id No size Maturity Date User Input Mat Date Liquidation Auto Manual Remarks Payment Method Schedule Type Events Effective Rate Change Log Settlement Advices Interest Charges Tax MIS Fields Authorized By Date Time Contract Status
252. ption with the location code This description is for information purposes only and will not be printed on any customer correspondence gt While maintaining the Customer Short Name in the CIF Details screen the system automatically appends the Location code to the customer short name when you associate the appropriate Location Code with the Customer Code 3 4 8 Capturing Algorithm Details in Oracle FLEXCUBE In Oracle FLEXCUBE you can choose to generate check digits for Customer Accounts based on the algorithm of your choice You can define algorithms of your choice through the Algorithm Maintenance screen Invoke this screen by typing CSDALGMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Algorithm Maintenance Algorithm Name Algorithm Description Input By DOC4 Date Time Modification Number a Authorized Authorized By Date Time a Open In this screen you should specify the following details e The Name of the Algorithm This will uniquely identify the algorithm in Oracle FLEXCUBE e A brief description of the algorithm After you capture the details of a new algorithm you must write the algorithm through the Algorithm Procedure Generation screen 3 4 8 1 Generating Procedure for Algorithm For every algorithm that you define through the Algorithm Maintenance screen must write the algorithm generation rule through the Algorithm Gene
253. r financial organizations You can to maintain the details of SDNs in Oracle FLEXCUBE The details of Specially Designated Nationals are updated and published by the US government on a regular basis You could download these details from their web site You have two options to replicate the contents of this file into Oracle FLEXCUBE They are 1 Upload the file into Oracle FLEXCUBE through the SDN Upload screen 2 Maintain the details of each SDN manually Both these options have been elaborated upon in the subsequent sections Maintaining SDN Details Manually Through the Specially Designated Nationals screen you can capture the details of SDN customers manually Invoke this screen by typing STDSDNMN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button The screen is as shown below ele ORACLE amp Specially Designated Nationals Detailed Name Date Of Birth Country of Origin Remarks e F Sequence Number Alias Name HEE F Sequence Number Address Line 1 Address Line 2 Address Line 3 Address Line 4 Fields Input By DOC4 Date Time Modification Number Authorized By Date Time The following details have to be captured e Name of the Specially Designated National e Date of Birth of the SDN Specify the Date of Birth of the SDN in YYYYMMDD format e Country of Origin You can specify the SDN s country of origin by sele
254. r number is ALL for the customer group 2 3 11 Maintaining Tax Allowance Limit for Customers You can maintain tax free allowance limit at the Customer level Invoke this screen by typing STDCULMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Tax Allowance Maintenance Customer Tax Group Customer Number Description Mi D Customer Name Tax Category From Date To Date i Description e Limit Currency Limit Amount Input By DOCS Authorised By Remarks Date Time Modification Number Authorised Date Time E Open Customer Group You need to specify the tax group of the customer for whom you wish to define tax free allowance limit Select from the option list provided Customer Number You need to specify the customer number for which you wish to define tax free allowance limit Only customers belonging to the selected tax group will be available for selection You may also select the All option This is indicative of all customers for the selected Tax Group man ORACLE Tax Category You need to specify the tax category for which you wish to define tax free allowance limit Select from the option list provided From and To Date You need to specify the date from which the tax free allowance limit is effective as well as the date up to which this limit is applicable The To Date should be greater tha
255. r of days from the account opening date during which the account statement generation should not happen The default value of this will be zero For an account if the first statement block days is 10 days from the account opening date in that case account statement will not be generated during this time even if the statement cycle date falls within this period Instead the statement would be deferred to next scheduled statement cycle date For details on first statement generation please refer the Statement Cycle upon Account Opening section of the CASA user manual under CORE module Natural GL The reporting of all turnovers of the particular account class will be directed to the GL that you identify as the natural GL Based on the characteristic of the account balance you can specify whether the turnover is to be posted to the Debit GL or to the Credit GL For instance if the account class is for overdrafts the balance is normally a debit whereas current accounts normally do not have a debit balance Applicable Customer Status Specify the applicable customer status from the drop down list The available options are e Major e Minor e Both e Not Applicable Note the following e By default Not applicable option would be selected when a new account class is created e f you select Minor option at the CIF level and Applicable customer status as Major at the account class level then the system t
256. ration Input screen Invoke this screen by typing CSDALGGN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button oe ORACLE te Algorithm Generation Input Algorithm Name Az Function Type Check Digit Generation Algorithm Rule Input By DOC4 Date Time Modification Number We authorized Authorized By Date Time a Open Since the access to this screen is restricted to only a few authorized users at your branch level you will be allowed to invoke the screen only if you have the requisite rights In this screen you can specify e The name of the algorithm for which you are writing the algorithm generation rule A list of all the algorithms you have maintained through the Algorithm Maintenance screen is displayed You can select the appropriate e The Function Type which specifies the type of the function using the algorithm The options available are gt Validation indicates that the function is using the algorithm to validate the input string For all such functions the input string is validated as being True or False depending upon whether the validation was a success or a failure gt Check Digit Generation indicates that the function is used for the generation of check digit using the algorithm Such functions will take the input string without the check digit and return the check digit You must enter the algorithm rule in the form of
257. re Currency The currency of the selected customer account is defaulted here 22 ORACLE Account Class Select the new account class to which the customer account has to be transferred from the adjoining option list This adjoining option list displays all valid account class When the account class is selected the system checks whether the new account class Is a valid one or not Click the Default button to generate default parameters If the old and new account class are of different type then the system will display the following Error Message on Save Old and new A c class belongs to different a c class types Failed to Process the Request Click Ok to reset Account Class parameters If the old and new account class are of same type then the system will display the following Override Message Provisioning details should be manually modified if required Click Accept if you wish to continue The system will display the following Information Message Request Successfully Processed Click Ok to continue The following GL details are defaulted based on the values maintained at the Account Class level e Status e Credit e Debit Effective Date The effective date of account class transfer can be based on either next liquidation cycle or effective value date Next Liquidation Cycle Check this box to indicate that the account class transfer should be effective from the earliest liquidati
258. re details of the customer you can define a set of UDFs and associate them with the function id STDCIF for Customer Maintenance screen After you associate the UDFs they will appear in the Customer Maintenance screen You can then capture the values for these UDFs The UDFs that are displayed in the Customer Maintenance screen depend on your selections in the UDF in Base Table screen A maximum of five UDFs can be made to appear in Customer Maintenance screen Refer the manual on User Defined Fields for details on defining a user defined field and associating the UDF with the function id STDCIFP The values that you enter for the UDFs will be validated against the rules maintained for them If the entries fail the validations the system will display a suitable message to inform you that the entries made do not adhere to the rules maintained The UDFs will be displayed in the Customer Maintenance Summary screen as well You will also be allowed to perform queries based on these fields 2 3 2 Special Customer Grouping While maintaining the customer information you can place a customer under a special customer group for different rating purposes Through the Special_ Status user defined field UDF you can link the customer to a group and specify the rating for the group a ORACLE Whenever a contract is booked for such a customer the system will display an alert message specifying the status of the customer ther
259. re lists all bank users of this system for your selection This is a mandatory entry a ORACLE 2 2 4 16 Specifying when Accounting is done for Funds Transfers Involving the Customer FT Accounting As of For funds transfer contracts involving certain customers you may need to generate messages on the booking date of the contract while the actual accounting may be deferred to the debit value date This facility could be required in respect of future dated funds transfers involving specific customers for which the requisite messages need to be sent on booking the contract itself whereas posting of accounting entries must be deferred to the debit value date You can indicate whether such a facility of allowing message generation before accounting is available for the customer in the FT Accounting As Of field You have the following options for accounting for FT contracts e Accounting as of message date accounting entries will be posted on the date of message generation e Debit Value Date accounting entries will be posted on the debit value date 2 2 5 Capturing Details for a Corporate Customer Click the Corporate Details tab from the Customer Maintenance screen to define the details of a Corporate or a Bank type of customer Customer Maintenance Customer No 000002787 Full Name Type Individual Short Name Corporate Branch Code 000 Bank Main Auxiliary Personal Bi felssel
260. re maintaining happens to be a Utility Provider you must enable the Utility Provider check box and assign a unique ID to identify the utility provider Additionally you must also indicate whether the check digit validation should be performed for the consumer number that is captured while making bill payment for the utility provider If the check digit validation should be performed you must also identify the Algorithm ID which is to be used to perform the check digit validation on the consumer number Additionally you need to indicate the type of utility provider The option list adjoining Utility Provider Type displays all valid utility provider types maintained in the system You can select the appropriate one 2 2 4 3 Indicating Requirement for Consolidated Tax Certificate You need to indicate whether a consolidated tax certificate is required for all transactions done for a given tax cycle This option would work in conjunction with a similar option in the Tax Category screen and the Tax Details screen accessed from the Branch Parameters Detail screen 2 2 4 4 Generating Consolidated Tax Certificate Depending on the frequency maintained at the branch level the system will generate the Consolidated Tax Certificate for a customer provided the consolidated tax certificate generation is required at the customer level and the option is maintained at the Tax Category level The Tax Certificate will be in a pre shipped advice forma
261. record e Reopen a record e Authorize a record e Query an earlier record Dvou cannot delete a record after authorization Specify the following details Account Number Specify the account number The adjoining option list displays all the valid customer account numbers maintained in the system You can select the appropriate one Customer ID System defaults the Customer ID from Account Number You cannot modify the same Customer Name System defaults the Customer name from Account Number You cannot modify the same aa ORACLE Customer Type Select one of the following to indicate the customer type e Retail e Commercial Check Disposition Current Cycle Select one of the following check disposition values for the current cycle from the drop down list e R Return checks with statement e T Do not return checks e Image checks on the statement Default e S Return checks with statement serial sort Note the following e Ifyou select T under check position additional data will be shown in the Check Image specification and Check Image Count drop down lists e On the other hand if you select R T and S values under check disposition the Check Image specification and Check Image Count drop down menus get disabled Check Disposition Next Cycle The value in the this field will be moved to the Current Cycle field during the BOD of the Statement Cycle Date and this field wi
262. records based on the branch code of the account ee ORACLE Old Account Class Select a valid account class if you need to view records based on the account class from which the account was transferred from the adjoining option list Next Liquidation Cycle Check this box if you need to view records based on status of liquidation cycle Record Status You can view records based on the record status of the account class transfer by selecting an option from the adjoining drop down list This list provides the following options e Open Select this option if the account class transfer is not effective e Closed Select this option if the account class transfer is effective Account Class Select a valid account class if you need to view records based on the account class to which the account is transferred from the adjoining option list Account Select a valid account number if you need to view records based on the account class for which the account class transfer is applied from the adjoining option list Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Branch Code e Account Class e Old Account Class e Account e Next Liquidation Cycle e Effective Date 3 4 5 Maintaining Narratives The Narrative Maintenance screen allows you to define the format of a Detailed Acco
263. required balance is 5000 The savings account balance is 5675 The system creates the deposit account as part of intraday batch DEDEPBAT in multiples of 50 which comes to 650 and it retains the balance amount of 25 in the savings account Def Rate Code Select the code of the differential rate whether Mid or Standard Def Rate Type Select the type of differential rate code whether Mid or Buy or Sell Sweep Mode Select the mode of sweep from the following options ORACLE e Automatic For the deposit to be created as part of the batch e Manual For the deposit to be created manually Break Method Select the method in which the break of auto deposit should happen from the following options e MAAXB The system breaks the maximum valued deposit account or the deposit account having the maximum balance in order of descending amount e MINB The system breaks the deposit account having minimum balance in order of ascending amount e FIFO The system breaks the deposit account in order of chronological account creation date e LIFO The system breaks the deposit account in order of reverse chronological account creation date the latest created deposit account breaks first Provide Interest On Broken Deposit Check this field to indicate the system to calculate interest on the deposits This is done when the attached account class is mapped to the IC product Break Deposits F
264. rpose of status processing e Set up the customer groups for which you wish to track exposure as a whole e Setup rules for deriving the status of accounts for a group or CIF e Setup rules for deriving the provisioning amount for accounts using an account class e Setup the frequency at which the provisioning batch would be executed if the status processing is done at group CIF level 5 1 1 Specifying Basis for Status Processing In the Branch Parameters you can indicate the basis upon which status processing must be done at the branch for customer accounts as well as loan contracts Status processing can be done either at the level of individual contracts and accounts or at a customer group or CIF level 5 1 ORACLE 5 1 1 1 Status Processing at Group CIF Level If you opt for group or CIF level processing it is done in two stages e The worst status among all loan contracts and accounts under a specific customer group or CIF is arrived at e All accounts and contracts involving the customer group or CIF are then moved to the worst status that was arrived at The individual status of the account and contract apart from the worst status being assigned is also captured and displayed in the respective account and contract screens 5 1 1 2 Processing at Individual Contract Account Level If you opt for status processing at individual contract account level the status of each contract or account would be assigned according to the sta
265. s 3 Select Morgan Stanley It will be listed in the first row To allow this customer the parameters assigned to this account class check the small square box alongside 4 To add a row click the Add icon To delete an extra row click the Delete icon 5 To disallow Midas Bank click on Banks under available categories Click the adjoining arrow against Customers to display a list of all the customers under this category Select Midas Bank Since you would like to disallow this customer do not check the square box against it Check the square box to allow a customer the parameters assigned to this account class Leave the box unchecked to disallow a customer from being assigned to this account class 3 2 27 Maintaining Notice Preferences You can specify the notice preferences for the withdrawal of amount through the Notice Preferences screen Click Notice in the Account Class Maintenance screen The Notice Preferences screen is displayed as follows Notice Details Account Class Account Description F Advance Interest Monthly Free Amount Notice Days Validity Period OK Cancel The following fields are displayed in this screen e Account Class The unique code assigned to the account class is displayed e Description A short description of the account class is displayed The following are the notice preferences that you can specify for an account class
266. s e Compound Account e Other Account Registration Choose one of the following for account registration from the drop down e Nota Trust Account e UTMA UGMA Account e lIOLTA Account e Mortgage Escrow Account e Security Deposits incl Real Estate e Other Trust Escrow e Information Not Available Enabling Printing of Account Statistics You can enable printing statistics in respect of accounts using an account class either period code wise or financial year wise for the following customer information e Low and High Balance for a period The lowest and highest current balances for the period oie ORACLE e Average credit and debit balance for a period This is computed as the sum of credit debit current balances in a period divided by the number of days of credit debit balance during the period e Credit and debit days The number of days the account was in credit debit balance in the period e Credit and Debit Turnover The credit debit turnover for the period e Excess days in debit balance The number of days in a month when the account exceeded the overdraft limits e Overdraft Limit This is computed by summing the temporary overdraft limit and the sub limit of the account For each month this would represent the limit on the last date of the month e Credit grade of the Customer This would be the prevalent rating on the last day of the period For the current period this information is provided up
267. s e The designation this customer held in his her previous job or employment e The name of the previous employer of this customer e The designation held by this customer in his present job e The name address country telephone telex fax and E mail address of the customer s current employer The name address and country of the employer should conform to SWIFT standards 2 35 ORACLE Salary Specify the estimated annual income level of the customer This includes the annual returns that your customer earns through salary and other sources of employment if any If your customer earns revenue through other source apart from a monthly salary you have to capture the customer s combined income from all other sources You may select one of the following from the list available here e Income not available e 0 00 9 999 99 e 10 000 00 19 999 99 e 20 000 00 29 999 99 e 30 000 00 39 999 99 e 40 000 00 49 999 99 e 50 000 00 59 999 99 e 60 000 00 69 999 99 e 70 000 00 79 999 99 e 80 000 00 or more Other The annual income that your customer earns from sources other than the annual salary Currency of Amounts The currency in which the customers financial details like annual salary annual rent expenses annual loan repayment etc is expressed Expenditure Pattern e The customer s annual expenditure on rent premium on insurance e The customer s current annual expenditure incurred on re payment of loans avail
268. s expenses which include canteen charges telephone bills and other maintenance charges When the details of these expenses are entered the following entries are passed entry Dr Misc debit a c for 10 000 Cr Cash a c for 10 000 reconciling entry Dr expense a c for 3000 canteen charges Cr Misc Debit a c for 3000 Il reconciling entry Dr expense a c for 2000 telephone charges Cr Misc Debit a c for 2000 II reconciling entry Dr expense a c for 5000 maintenance Cr Misc debit a c for 5000 Thus the entire amount that was debited from miscellaneous debit account has been reconciled The total amount of the reconciliation entries should add up to match the amount of the first transaction e Miscellaneous Credit as in miscellaneous debit account in the miscellaneous credit accounts you post each transaction with a reference number In a miscellaneous credit account a single credit entry is matched subsequently with debit entries with the same reference number The system gives you a break up of the balance by reference numbers e Savings Account e Current Account Line Account This is used for creating accounts for charging limit fees Upon save of the account class with type as line account there will be an override specifying that the reporting GL s for the accounts should be contingent GLs There will not be any accounting entries passed into the accounts of line account type This will only be used as the calculatio
269. s 2 69 2 8 2 Crealine Customer G16 gh Oe ee 2 70 2 8 3 Maintaining Customer GIOUPS acdsee isorakiee niie iaa einki een E hax vciieh iaie ATEN E EEPE EKAA kE EEn TENERENT ORNETA KEAR 2 72 2 8 4 Maintaining Limits for Customer Group ccccccccccc cece cece cece cece EEE 2 73 2 8 3 Associating Customer Account with Group sssssssseseeeseseeeeeeeeesesssesesessssssssssssennnnnnnennnneeneseesens 2 73 29 MAINTAINING LAST CONTACT REASON CODE sissussccrezesusiaeeatnssondesnaissvetaidvsdontiaauvatdosendesneseennteieatenianadebes 2 75 2410 MAINTAINING LAST CONTACT DATE gecesedatevestesnictinas Sic tuatianned nani EE E E ANEA EAEE E 2 76 2 1 MAINTAINING CUSTOMER NOTICE DETAILS ssicsiedscetisdecaiosnosawaionseeatotsetnnedicduastasvadeaedeneeuadossisbbasdicdvncbenasasave 2 77 2 11 1 Maintaining Type of Relationships ooeeeeeeeeeeeeeeeeeennnnnnsnnnnnnnnsnensrnrnnnnrnrnrerrrsrrssrrrreerrrrrrrrsrresss 2 78 ORACLE 2dl2 ARCVAMONSI OS FOR CUSTOMS outa ccctaaa hecanta cherueatatensaacesce item miecsdcuambs tian ulonidan ma taawmientdciamtelawmiestaciastes 2 79 2 11 3 Maintaining Risk Category for Customers ccccccccccccccccccccccccceececeeeeeee cece e cece cece ee eee EE EEE LEELA EERE EEE E EEE E EEE 2 80 2 11 4 Maintaining Household Codes for Customers cccccccccccccc cece cece cece cece cece cece eee e keke eee e ee EEE EEE EEE EEE EEE BEEBE 2 81 2 12 UPDATING CUSTOMER MIS DETAILS IN BULK eesesceeeeeessnceeceesseneeecesssnee
270. s a resident of London and lives in the northern part of London Your entries in the respective fields of the CIF Maintenance screen should be as follows Fields in Oracle FLEXCUBE Customer Code SILASO1 Nationality IRS Ireland Location Code NL1 North London Billing Notice Number of Days Specify the number of days prior to the due date when the billing notice should be generated Netting of Notices across Accounts Check this box to indicate that all accounts for which the payments falls due on a particular date the requests for invoice generation should be consolidated of billing statement for customer 2 2 2 3 Indicating the Mail Code Details of the Customer Mail code is the return code assigned for the mails statements sent to the customer upon their return as invalid You need to specify the following mail code details Mail Code Specify the mail code The adjoining option list displays all active mail codes maintained in the system You can choose the appropriate one Mail Code Description When you select the mail code the system populates the corresponding description of the selected mail code Statement Date Enter the statement date n ORACLE Communication Enter the communication related remarks if any In case of multiple accounts for a customer a single mail code will be attached across all the accounts belonging to the customer id 2 2 2 4 Specifying the Address for Correspondence Name I
271. s screen REG Details RegD Applicable Periodicity Monthly O Statement Cycle None RegE Applicable Reg CC Availability C REGDD Applicable Reg E Required Select this check box if Regulation E is applicable to classes under this account class Reg CC Applicable Select this check box if Regulation CC is applicable to classes under this account class You can allow withdrawal against uncollected funds even on the same day itself A system override will be displayed if the account involved is marked as Reg CC Applicable and withdrawn amount is greater than the Available Balance but less than or equal to Available Balance Uncollected Funds Reg D Applicable Select this check box if Regulation D withdrawal limits apply to this account class a ORACLE REGDD Applicable Check this box to indicate that the IC product can be used for APY APYE calculation However this is defaulted from the Account Class maintenance Reg D Periodicity Select the periodicity with which the limits are considered You can select one of the following e Monthly e According to the statement cycle primary statement cycle e No periodicity required 3 2 5 Capturing Details about Specially Designated Nationals Specially Designated Nationals SDN are those customers with whom you need to refrain from trading in any form The US government publishes a list of such nationals and circulates this list among banks and othe
272. sed at the account level for any of the accounts linked to the class Account level parameters will supersede those defined for the account class While defining the account classes you should also keep in mind that the interest rate structure is also specified for an account class in the Interest and Charges module The account class table is maintained at the Bank Level by the Head Office branch 7 ORACLE 3 2 1 Invoking Account Class Maintenance Screen You can invoke the Account Class Maintenance screen by typing STDACCLS in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Account Class Maintenance Account Class Start Date Description End Date Account Type Current v PXenetuieiioeiims Statement Parameters A Co Escrow Details Account Code Provisioning Details Dormancy Days _ Required Account Statement Format ay Provisioning Frequency v ere ee _ Escrow Transfer Applicable Transaction Code For Rever sal _ Display IBAN in Advices Provision Currency Local E Interpay Account F Dual Currency Deposit Exposure Category First Statement Block Days 0 Event Class Code az NaturalGL Debit Credit Dormancy Parameters Any v Debit Interest Charge Liquidation Waiting Period CT Liquidate Using Receivable Debit Waiting Period in day s Applic
273. service such as a rewards program or gift cards provided for services other than opening and maintaining an account at a financial institution and payments to independent contractors sub contractors or directors The system has to report IRS by February if the amounts equal to or greater than 600 are reported to the IRS by 28 of February of the following year Also a statement must be sent to the recipient by 31January every year Click OK button to generate the report click Exit to return to the Reports Browser 8 5 1 Contents of the Report The report options that you selected while generating the report are printed at the beginning of the report The contents of the report are discussed below Body of the Report Bank Name This is the Name of Bank of customer being displayed Bank Address This is the address of the bank of the customer being displayed Bank ID This is the Bank s Identification Number being displayed This is the name of the customer Customer SSN This is the SSN of the customer Customer This is the Customer Address details A caress e Customer Name e Address Line 1 e Address Line 2 8 5 ORACLE e Address Line 3 ene Penalty This is the Penalty for customer if there is an early withdrawal Financial Year This indicates the corresponding Financial Year for which the report is generated This indicates the Reporting Group for that customer 8 6 List of Customers SSN TI
274. slaned r Document Details Document Category Type Mandatory 7 ADDRESSPROOF Z PASSPORT 3 Mandatory DENTITY ai DRIVING LICENSE ai Overidden Maker Date Time Wod Ho Checker Daie Time Record Sisius Authorization Status a ORACLE Specify the following details Customer Type Specify the type of customer The adjoining option list displays the following customer types maintained in the system e Individual e Corporate e Branch You can select the appropriate one Customer Category Specify the customer category The adjoining option list displays the entire customer category maintained in the system along with their description You can select the appropriate one Grace days before Expiry Specify the number of days before the expiry date of a mandatory document during which the system should consider the document for alert generation for the user The default value of this field will be 30 However you can change it This is applicable for all mandatory documents that are maintained for the customer Type and customer category Document Details Documentary Category Specify the document category The adjoining option list displays all the document categories maintained in the system You can select the appropriate one Type Specify the document type Based on the document category selected the adjoining option list displays the document types You can select the appropriate one Ma
275. specify the tax group of the customer from the option list provided Only the Group Codes maintained with type Tax will appear for selection ote ORACLE Industry Code Specify the industry code The adjoining option list displays all valid industry codes maintained in the system You can choose the appropriate one SSN EIN TIN Detail You can enter the following details SSN Tax ID Enter the Social Security Number SSN for every individual customer or the Tax Identification Number TIN for every non individual customer here While maintaining the details of an individual type of customer you can capture the social security number SSN of the customer While processing funds transfer on behalf of your customer the SS Number of the customer involved in the transaction will be defaulted from this screen to FT Contract Online screen If the value of debits outgoing customer transfers for a specific customer account exceeds USD 2500 with in a seven day working period the system displays an override message informing you of the same Note the following e 999999999 not allowed but 000000000 would be allowed if missing customer type was used with missing TIN e For foreign customers you need not specify the SSN TIN e You will be notified if another customer record with the same SSN TIN exists However SSN TIN may be duplicated e Upon entry SSN will be formatted as NNN NN NNNN and TIN will be formatted as NN NNNNN
276. sssssssssssoo 5 1 5 1 DROB E TON e E E E E eee 5 1 5 1 1 Specifying Basis for Status Processing ccccccccccccsssccsccccceceeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeseeeeeeeeseeeeeess 5 1 5 1 2 Setting up Customer Groups for Provisioning ssseeeeseseesseessssesssssssresereeserererrererererrrerrererererren 5 2 5 1 3 Setting up Customer Classifications for Status Processing cccccccccccccccssssssssscceccccccccceeeeeeeeeeeeeeeeeeeees 5 3 5 1 4 Selling up Exposure Categori S aoscroneiiiiiii eri ai EENEN a Na 5 4 ILI Maintaining Rules for PYOVISIONING s gascdahiaiseieosausetanaasetantensadahaaasadtasankatansesSbiesheasatahacaseiasansstanmusbicne 5 8 5 1 6 Derivation Rules for Status Change scigasatssiosa did data tansaionnsiaMewadahasoiadhd sata ianssosnie Mewadahaseialehdeais eaesehes 5 10 elel Provision Processing for ACCOUNES ccccccccccc cece cece 5 1 CUSTOMER INFORMATION QUERY eeeeeeeeceecceccccccecccccccccccccccccecececcececsecccececececcceccceecececcccsseeseeeeeceseeeee 6 1 6 1 DULE D O 0 PAE EAI A rte er TT EA er EA A rrr etree errr TE 6 1 62 INVOKING CUSTOMER POSITION SCREEN wasccsoesisesacestsassierttesiaceccteenenaiepiensheaoeiedsiaed scbsedeenunsingiacstinbtiaeevabbicnat 6 1 6 2 1 Viewing Accounting Details rss ots ses siasncaesaasssaprnaascaenaasieeeastaae dasa 6 1 6 2 2 Viewing Customer Balan OS So xcas certs sespeissncaessaaseapanaaseaeaaaieeeataaee aaa 6 3 6 2 3 Fewo Loans Delni Serpro r sea 6 6 6 2 4 ViCwine
277. status among the accounts and loans belonging to the group When you set up a group for tracking exposure due to loans and customer accounts you will need to specify the applicable exposure category The exposure category for a group is either derived from the logic maintained in the Exposure Type Category Linkage maintenance for the group type or explicitly specified If it is derived it is displayed in this screen by the End of Day batch program The type of the group indicates the type of customers that belong to the group retail or corporate If no logic has been maintained in the Exposure Type Category Linkage for the group type you can indicate the applicable exposure category for the group 2 96 ORACLE Group Status All loans and overdraft accounts issued to customers in the group will be assigned the same status which will be the status of the loan overdraft account with the worst status among those issued to customers in the group The Group CIF and the loan contracts and overdraft accounts are all updated with this worst status if they have been marked for automatic status processing The individual status for the accounts and loan contracts apart from assigning the worst status is also captured and displayed In the Group Code Maintenance screen and the CIF Maintenance screen the status for the group is displayed as well as the date since which the status came into effect For details about loan sta
278. status for the account to DIDF U ORACLE While running the status change batch the system updates the No Debit flag as Y for DIDF status account If payment for the debit interest happens on the SOD account against the utilized amount and if on recalculation the value of SDE SOD Due Count or SOD Overdue Days is not met the status batch changes the status of the OD account from DIDF to the previous account status and updates the No Debit flag as N Note the following e Amount block is not considered because of the possibilities of simultaneous utilizations of the SOD e Any credit transaction towards the SOD account is tracked under interest due for the SOD e Any impact on account status after the execution of account status change batch for the day gets reflected in the next EOD execution 3 2 18 1 Modifying Account Status Manually For status movements that have to be performed manually on a customer account you can use the Manual Status Change screen Invoke this screen by typing STDSTMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Manual Status Change Input Branch 000 Account No Status Since 2007 11 28 Nev Status Fields Input By DOC4 Authorized By az C No Debit C No Credit Frozen Posting Allowed Status Change Automatic C Dormant Date
279. status of reports on ORACLE 2 18 IRS Status History of Status CL Status Status Date Reason for Regeneration You view the following details Status The system displays the status of the customer group Status Date The system displays the date on which the status has changed Reason for Regeneration The system displays the reason for regeneration Creating a Message Advice Format You need to create a message advice format through the Advice Format Maintenance screen with the format named CUS_MIMJADV A batch function CASABAT will perform status change from Minor to Major during EOD During EOD batch CASABAT which would check for the current age of each minor customer if the customer s current age is on or above the minor age limit maintained at branch parameters then you to do the following mentioned settings e The option Minor at customer personal details will be unchecked in customer maintenance screen The select Submit Age Proof as Pending in customer maintenance screen Note the following e Incase of holiday the Minor to Major conversion would be done after the holiday lan ORACLE e The Debit would be still allowed for the system initiated transactions During EOD BOD even though the documents have not been submitted Customer Advice generation During EOD batch CASABAT will generate the advice for the customers who are going to attain the Major status b
280. stem regarding the black listed customer is displayed here User Remarks Specify your remarks regarding the black listed customer here hote the following nas ORACLE e OFAC check is mandatory Before saving the Customer system will check if OFAC check has been invoked If OFAC is not checked system will raise an alert message to view the OFAC check details e You can extract the outgoing file of customer and customer accounts details from the Interface Trigger screen 2 3 6 Viewing KYC Details KYC refers to Know your customer You can view the KYC details maintained for a customer on KYC Maintenance screen Click KYC Details button to invoke the screen KYC Maintenance KYE Reference Number O07 KY COS33600E3 Risk Level Retail Customer Corporate Customer Financial Customer Fields Maker Date Time Mod Checker Date Time Record Status Authorization Status The system displays the following details e KYC reference number e Full name of the customer e Type of customer e Risk level of the customer 2 3 6 1 Viewing KYC Details of Retail Customers You can view the KYC profile details for retail customers on KYC Retail Profile screen Click Retail Customer tab in the KYC Maintenance screen a ORACLE N KYC Retail Profile Beneficial Owner Information Birth Date Account Type Declared Birth Place im Power Of Attorney T Resident Nationality Passport Num
281. t e Record Finalized e Report Generated e Sentto IRS Account Details Account Number Specify the account of the customer Interest Income Enter the interest income the customer is earning Penalty Enter the penalty the customer has to pay to bank Withholding Tax Enter the withholding tax of the customer Correction or Adjustment Account Number Specify the account number of the customer for correction or adjustment Transaction Reference Number Specify the transaction reference number 2 123 Adjustment Select the type of adjustment from the drop down list The available options are e Interest e Penalty e Tax Amount Enter the amount for transaction Reason for Regeneration Indicate reason for regeneration of report Last Submitted Date Indicate last submitted date of report Regenerate Check this box to indicate that whether regenerate repository for that customer is required or not If this option is checked for a customer then the system will process IRS REGEN intraday batch to identify and update the IRS repository for that customer only Regenerate Notice Check this box if you wish to regeneration notice After authorized the system will generate message for notice advice and write on the daily message out repository if any correction is identified Click History of Status button on IRS Maintenance screen to invoke IRS Status screen to view the history
282. t on the keyboard 1 1 1 Audience This manual is intended for the following User User Roles Back office managers officers Authorization functions Product Managers Product definition and authorization End of day operators Processing during end of day beginning of day Financial Controller Product Generation of reports Managers 1 1 2 Organization This manual is organized into the following chapters Chapter 1 Chapter 2 Chapter 3 Chapter 4 About this Manual acquaints you quickly with the organization audience glossary of icons and related documents for this user manual Maintaining Customer Information Files explains the maintenance of various personal and business details of the customers of your bank Maintaining Mandatory Information explains how you can classify customer accounts into different groups known as account classes and how to maintain specifications for account classes Processing Referrals in Oracle FLEXCUBE details the maintenance required and the processing done in Oracle FLEXCUBE when customer transactions force the accounts involved the transaction to exceed the overdraft limit 2 ORACLE Chapter 5 Provisioning for Customer Accounts explains the process of provisioning for customer accounts in Oracle FLEXCUBE Chapter 6 Customer Information Query explains how queries to retrieve information on customer accounts can be made Chapter 7 Glossary contains a list of important terms used in the
283. t and printed on a Year to Date basis oe ORACLE 2 2 4 5 Specifying Head Office Account Number The Head Office Account Number is the customer s account number with the Head Office of your bank You need to capture this value only if the Customer Type is a Bank It is used only for reference purposes 2 2 4 6 Maintaining Elements for Advice Generation The following elements will be available for advice generation for consolidated tax certificates CUSTOMERNO The customer number for which the tax summary certificate is printed CUSTOMERNAME The customer name FROMDATE The from date for which the certificate is generated TODATE The to date for which the certificate is generated TXNNUMBER The contract reference number CALCDATE The tax calculation date TAXCCY The tax currency TAXAMTINTAXCCY The tax amount in tax currency INTERESTAMT The interest amount basis amount on which the tax has been calculated 2 19 Alphanumeric Alphanumeric Alphanumeric 16 characters Alphanumeric 3 characters 2 2 4 7 Specifying the Census Tracking for the Customer You can specify the census tracking for the customer here The size of your entry can be up to 10 characters This entry can be amended later 2 2 4 8 Specifying the NAICS Code You may specify here the NAICS code identifying the customer s occupation business The NAICS code is a numeric code that identifies the occupation or business of a customer throug
284. t eae Transaction Details Product List Allowed Disallowed Products and Transaction Codes Product Code Product Description Debit Credit ee jo E The restrictions can be based on e Products e Transaction Codes Validation of Restrictions During maintenance or online operations in the respective contract screens for the restricted transactions when you specify the customer account the system checks whether the account class used by the specified account is restricted for the product that has been selected or the debit credit transaction type If so an override is sought when such contracts are saved 3 35 ORACLE 3 2 21 Maintaining Details of Account Statements Generation To receive the details of account balances you need to capture the relevant information in the MT 941 MT942 message The account balance details can be linked to the message by employing the statement screen To invoke this screen click on the Statement button in the Account Class Maintenance screen You need to specify the details for an MT 941 MT942 message Interim Transactions and Balance Report Interim Transactions Report _ Generate Message F Generate Message only on Movement Report Transactions Since Interim Report Type v 1 of 1 1 of1 Minimum Debit Amount Minimum Credit Amount d Currency Amount d Currency Amount Balance Report C Generate Balance Report Report Transactions Since v
285. t the business concern is a source of income Professional Business Check this box to indicate that the professional business is a source of income 2 16 1 1 Corporate Customer Tab You can specify the KYC profile details for corporate customer in the KYC Corporate Profile screen You can invoke this screen by clicking Corporate Customer tab in the KYC Maintenance screen KYC Corporate Profile Main Compliance Audit HO Details Customer and Sponsor s Information Reason of Account Nature of Business Groups Name Purpose Of Account Openin Nature Of Business Parent Companys Country O 9 Product Traded fine oe Main Source Of Funds Type Of Company Others KYC Amounts CCY GBP Borrowing Account Group Annual Turnover Details Of Key Person O Krem Name RelationShip Nationality Position Or Tite Share Percentage Company Details Details Of Company Branch 1 of 1 s Details Of Suppliers EE Be Details OF Clients Number Of Person Employed 7 Supplier Name Country Settlement Mode a 7 Client Name Country Payment Mode Mode For Salary Others Here you can specify the following details 2 111 ORACLE Customer and Sponsors Information You can specify the information of customers and sponsors in the following fields Groups Name Specify the name of the group Parent Company s Country of Inc Specify the country of Parents Company The adjoining option list displays all valid countries
286. t this option if you need a detailed account statement Cycle Select the frequency to generate statement from the adjoining drop down list This list displays the following values e Annual Select this option if you need to generate the statement annually e Semi Annual Select this option if you need to generate the statement half yearly e Quarterly Select this option if you need to generate the statement quarterly e Monthly Select this option if you need to generate the statement monthly e Fortnightly Select this option if you need to generate the statement fortnightly e Weekly Select this option if you need to generate the statement weekly e Daily Select this option if you need to generate the statement daily On Select a month a date or a day to generate statement from the adjoining drop down list The drop down list displays following values e Displays names of the months when Annual Semi Annual and Quarterly are selected at the Cycle level e Displays numbers from 1 to 31 when Monthly is selected at the Cycle level e Displays names of the week days when Fortnightly and Weekly are selected at the Cycle level e Displays a blank list when Daily is selected at the Cycle level Secondary A c Statement You can generate account statement periodically for secondary account type Type Select the statement type to be generated from the options The following values are available for sel
287. te Transaction MIS Code Cost Codes fone oN a at a uy w w w w u un u Composite MIS Codes WU aa fa fa fae fae fae fe fe fe fa All the parameters are defaulted here You can change the values if needed The following parameters are maintained Branch Code The current branch code is defaulted here Account No The system generates the account number maintained in the Main screen of Account Class Transfer MIS Group Select a valid MIS group from the adjoining option list Link to Group Check this box if you need to link MIS group to the account Any changes to the MIS group would be automatically applied to the linked account Ref Rate Code Specify a valid reference rate code for the account owe ORACLE Calculation Method Select a method to calculate the rate from the adjoining drop down list This list displays the following values e 30 Euro 360 e 30 US 360 e Actual 360 e LBL_30 EURO_363 e 30 US 365 e Actual 365 Ref Rate Code Select a valid reference type from the adjoining drop down list This list displays the following values e Fixed Select this option if you need a fixed reference rate for the account e Floating Automatic Select this option if you need to apply the reference rate maintained at
288. tem Choose the appropriate one Customer Report Group Select IRS customer group from the drop down list The available options are e 1099 OID e 1099 MISC e 1042 S aad ORACLE e 1099 INT Penalty Amount gt Enter the penalty amount Interest Income gt Enter interest income the customer is getting Withhold Tax gt Enter the withhold tax of the customer Financial Year Specify the financial year of transaction The option list displays all valid financial years maintained in the system Choose the appropriate one Note the following e STBSSN batch process would run to pick up the invalid SSN TIN customers and send notice to them e Atthe backend a check box called Notice will be used to indicate whether the message for notice is to be created or not an adhoc batch called CREATE_CUST_NOTF will be used to pick up customer 2 11 1 Maintaining Type of Relationships You can maintain the different types of relationships that can exist between customers of your bank in the Relation Maintenance screen Invoke this screen by typing CSDRELMN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Relationship taintenance Relationship Category Description Input By Doc4 Date Time Modification Mumber E Suthorized Authorized By Date Time i Open Specify the following details in this screen e Relation Define
289. tem calculates this date by adding 3 years to NRA certificate date During EOD process STBNRA process would run daily and identify NRA customer and send to notice the system verifies the NRA Re Certify Date and if it is beyond 3 years then system will generate advice to the customer and the customer has to submit documents for Re certification FX Nett Customer Oracle FLEXCUBE provides the facility of netting currency wise or currency pair wise and sending messages to the head office or a designated branch for a group of counterparties belonging to the same group ole ORACLE All transactions meant to be settled on a particular day that are made before cut off day are collated netted and a single payment message is sent which called Netting days in Oracle FLEXCUBE Here you specify the FX netting customer to whom the netted FX message shall be sent For customers not belonging to any group the FX netting customer will be the same as the customer of the maintenance Withholding Tax Applicable Check this option to indicate that withholding tax is applicable for the customer During loan payments the system will pick up the applicable withholding tax from the maintenance you have defined for the customer in the Withholding Tax Details screen Withholding Tax Pct Specify the percentage of tax that should be withheld from the interest that is paid to the bank by the customer This witholding tax percent is dictated by th
290. tem displays the following details e Name of the user defined field e Value of the user defined field 2 3 Maintaining Regulation Details Click Regulation button to invoke Regulation screen in the Customer Maintenance screen to maintain the details of non public personal information of the customer to be shared with the third parties Regulation RegOcode ida RegP Ont Out Affiliates Specify the following details Reg o Code Specify the regulation code The adjoining option list displays all valid regulation codes maintained in the system You can choose the appropriate one 2 52 ORACLE 2 3 8 RegP Opt Out Check this box to indicate that the non public details of the customer will be shared with the third party from the date given in the effective date Effective Date By default the effective date will be application date However you can modify it The effective date can be Opt In or Opt Out date based on the selection of RegP Opt Out option Affiliates Check this box to indicate the affiliate is a customer of bank Listing Document Checklist for Customers Click on the Documents button in the customer maintenance screen to specify the document checklist for the customer on account opening in the following Document Checklist Maintenance sub screen Document Checkit Maintenance Customer Type Indrvadual Customer Category Salaried Document petats
291. the Float Days Detailed screen Invoke this screen by typing STDFLTDS in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button eae ORACLE Float Days Maintenance Branch Code a Description Product Code a Description Sector Code a Description Customer Group Description ig Customer Humber id Description FLOAT DAYS DETAIL E Currency Input By DOC4 Date Time Modification Humber E Authorized Authorized By Date Time H pen You can define the float days for transactions involving a specific Clearing Bank Branch Product Sector and Currency combination for e All customer groups and all customers within the groups e A specific customer group and all customers within the group e A specific customer group and a specific customer within the group The System resolves the float days in the following order Branch Product Sector Currency Customer Customer Code Code Code Number The float days will be considered as Working Days or Calendar Days depending on your specification in the ARC Maintenance screen ee ORACLE 2 14 7 Location Maintenance 2 15 In Oracle FLEXCUBE you have a provision wherein you can maintain location codes You do this through the Account Address Location Maintenance screen Invoke this screen by typing STDACLOC in the field at the top right corner of the Appl
292. the Information customer as recorded in the CIF Maintenance screen Charge Code The Code associated with the Charge for which you are charging the customer 8 3 ORACLE Charge Level Indicates the level at which charging is being done CIF Level Plan level Plan Type The plan type involving the plan Charge Amount and The charge is always charged in the local currency of your Currency Liquidation Date The date on which the charge amount was liquidated Debit Account The Branch Account Number and Currency of the account Information involved in the transaction 8 5 1099 1042 S Customer Report This report will be generated to give aggregate of all accounts for a customer will be made based on the local currency and the customer reporting group You can invoke 1099 1042 S Customer Report screen by typing STRIRSRP in the field at the top right corner of the Application tool bar and click on the adjoining arrow button TOSS 042 5 Customer Report IRS Correction or Adjustment Branch Customer Financial Year IRS Customer Group You can enter the following details Branch Specify the branch code for transaction The option list displays all valid branch codes maintained in the IRS Repository Choose the appropriate one Customer Specify the customer code for transaction The option list displays all valid customer codes maintained in the IRS Repository Choose the appropriate one
293. the DE module will not be considered for exclusion Your specification for this at the account class level defaults to all accounts involving the class You can change it for a specific account For comparing transactions the System will look for similarity of reference number and date a ORACLE Consolidation for Inward Clearing You need to indicate whether or not consolidation is required for inward clearing transactions in a batch at the Account Class level The indication for this option is carried forward to the Customer Account Maintenance screen If this option is unchecked here it cannot be checked in the Customer Account Maintenance screen 3 2 7 1 Processing for Consolidation of Inward Clearing During the Inward Clearing process the consolidated entry for clearing will be passed according to the following grouping e Remitter s Account e Clearing Product e Instrument Currency e Remitter s branch e End point A consolidated clearing entry will be passed using a separate Transaction Code maintained in the Clearing Product Preferences screen This Transaction Code should be set with Check Mandatory option as No in the Transaction Code Maintenance screen One consolidated clearing entry will be passed for each of the above groups Entries will be passed against a common reference no generated for each of the groups After the consolidated entry has been passed each individual instrument will be pr
294. the allowed currencies you have defined for this account class will be displayed in the option list adjoining the Currency Code field You can enter the minimum balance that should be maintained against each currency You can also specify the minimum amount that should be deposited at account opening This value should not be less than the minimum balance for the currency Additionally you can specify charges that should be levied against each currency for opening a customer account You can also maintain the maximum number of ATM transactions that can be carried out on every currency Similarly you can maintain the maximum cash that can be withdrawn from an ATM for every currency 3 43 ORACLE 3 2 26 Maintaining Customer Preferences Instead of linking each customer account to an account class a customer category is linked to the class For an account class you should specify the category that should be linked to it and also specify if all customers under each of the categories are to be linked to the account class In the Account Class Customer List screen you have the option of specifying the categories that should be linked to this account class and within a category you can also restrict individual customers to be linked to the class To indicate allowed customer categories click the Customer Categories button The Account Class Customer List screen will be invoked Account Class Customer List Account Class
295. thorize the event To exit click Exit icon You will return to the Application Browser Maintaining Customer Groups To track your credit exposure to a group of customers you should ote ORACLE e Create Customer Groups and assign credit limits to it e Associate a customer with a group 2 8 4 Maintaining Limits for Customer Group You can maintain Customer Groups and set up credit limits in the Customer Group Maintenance screen You can invoke this screen by typing STDGROUP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Group Maintenance Group ID Group Mame Limit Currency USD az Limit Amount Input By Cail Date Time Modification Number Authorized Authorized By Date Time i Open Group ID You can assign a unique identification code to each customer group that you create You can also enter the detailed name of the group In the subsequent fields you can set up credit limits for the group While setting up a customer you can indicate the group to which the customer is associated It is important to note that in Oracle FLEXCUBE a customer group is different from a customer category You create customer groups only to set up group limits and report credit utilization by the customers that belong to the group Limit Amount and Limit Currency The limit amount indicates the maximum amount that customers under a group can utilize You can i
296. tified as real or not The customer may provide proof of certification by submitting a W 8 or W 9 form The Certification Indicator may have the following values e Certified Customer has submitted a W 8 W 9 form certifying the TIN SSN e Not Certified This means that customer certification is pending If the proof of certification is still due from the customer the system can generate an advice indicating this You can set the number of days after the opening of the customer when the advice must be generated This number of days can be set for all customers at the Bank Parameters Maintenance screen You as a teller will be notified during transactions if the customer s SSN TIN is yet to be recorded as certified e Certified but no Valid The TIN SSN is shown as certified but IRS has informed your bank that the SSN TIN is not valid In such cases a withholding tax on all credit interest including deposits current savings accounts will be levied e Not Applicable This is for customers such as temporary visitors for whom the SSN TIN is not applicable e Not Certified Never Certified e Certified awaiting TIN e C Notice interest certified IRS notification of underreported interest certified e C Notice Not certified IRS notification of underreported interest not certified e B Notice first notice e B Notice second notice IRS notification of invalid TIN second notice Not required non resident alien e Not
297. ting deposits e Source Code The code assigned for the sweep e External Reference Number e Start Date The instructions will be valid from this date e Branch Code The branch code of the branch which is to be associated with the account e Sequence Number The system generated sequence number for the instruction you are maintaining e Currency Code The Currency of the particular account e Deposit Currency The currency in which the deposit is made e Tenor The tenor for the deposits that are opened under an account class e Sweep Multiple of The sweep can only be in multiples of the sweep specified e Retry Till Date The instructions specified will be invalid after this date Any failed sweeps after this date will not be picked up for processing the next day a ORACLE 4 1 4 Processing Referrals in Oracle FLEXCUBE Introduction Referral refers to the process of handling customer transactions which force the accounts involved in such a transaction to exceed the overdraft limit Examples of typical transactions which force an account to move into overdraft are Payment and Collections Funds Transfers Standing Instructions or Clearing transactions In Oracle FLEXCUBE if an account involved in a transaction moves into overdraft it is sent to the Referral Queue You can invoke this screen by typing STSREFQU in the field at the top right corner of the Application tool bar and clicking the adjoining
298. tions posted and authorized since the issue of a previous MT 950 in the current balance report oe ORACLE You can synchronize the time instance by hours for generation of balance messages by clicking the Times button Generation Time Generation Time Fi Generation Time This screen is employed to indicate the the time instance in hours for the generation of the balance reports Message Generation Time Specify the timing for generation of the MT 941 MT942 messages You can specify the time interval in hours only A new message type is created for the balance report process which can be run as part of a scheduled task This message type is ACST BALANCE and ACST_INT_DTL 3 2 21 2 Balance Statement Handoff The balance statement can be handed off as part of scheduled task under Oracle You need to assign its frequency in hours This process is initiated for all accounts requiring a balance account statement As discussed previously the time for generation of the statement is determined and specified In case of no subsequent transactions reports the statement is not generated 3 2 21 3 Assigning Balance Statement as Job The balance statement can be facilitated to run as part of a scheduled job as part of the Oracle jobs initiated during processing The Jobs Browser screen of the application provides you the facility to run the balance statement as a synchronized task subject to specified time intervals in h
299. to when it moves to the status being defined You can identify the debit GL from the list of existing GLs Likewise all credits within a particular account class will report to the GL account that you have identified to track credits Dr and Cr Federal Reserve Lines Select the Federal Reserve Debit line to which all debit accounts belonging to an account class should report to when it moves to the selected status You have maintained Federal Reserve Debit lines in the Reporting Lines Maintenance screen You can select the appropriate CB Debit Line from the available option list Similarly all accounts belonging to an account class if in credit should report to a Federal Reserve Credit Line for the selected status You can identify the CB Credit Line that should be associated with the status from the option list available eo ORACLE Dr and Cr Head Office Lines This is the Debit Head Office GL maintained in the Reporting Lines Maintenance screen to which all accounts belonging to this class will report if they move to the status being defined Similarly select the Credit Head Office GL maintained in the Reporting Lines Maintenance screen to which all accounts belonging to this class will report to when they move to the status being defined As a mandatory requirement you have to associate the status NORM Normal when maintaining status codes for an account class Accounting Roles and Heads for Provisio
300. to customers in the group as well as customer accounts with outstanding overdrafts The exposure category for a group is either derived from the logic maintained in the Exposure Type Category Linkage maintenance for the group type or explicitly specified If it is derived it is displayed in this screen by the End of Day batch program The type of the group indicates the type of customers that belong to the group retail corporate Charge Clearing or Tax If no logic has been maintained in the Exposure Type Category Linkage for the group type you can indicate the applicable exposure category for the group 5 2 ORACLE 9 1 3 Group Code When you maintain CIF details for customers in the Customer Information Maintenance screen you can specify the customer group to which the customer belongs for provisioning and status processing You must specify a group code defined for a group type that is the same as the customer type for instance if the customer is a retail customer you must specify a group defined for retail customers Group Status All loans and overdraft accounts issued to customers in the group will be assigned the same status which will be the status of the loan overdraft account with the worst status among those issued to customers in the group The Group CIF and the loan contracts and overdraft accounts are all updated with this worst status if they have been marked for automatic status processing The individual status
301. to the previous working day To enable printing of this information for all accounts using an account class you must enable the Account Statistics option in the Account Class Maintenance For each account class for which account statistics has been enabled an accounting End of Day EOD process updates the statistics table both period wise and according to financial years The book dated balances are used for computation of statistics and the balances are maintained according to accounting periods For information about viewing the period wise account statistics refer the section Querying on Account Statistics found earlier in this chapter Status Change Automatic If you check this option the status of the account will be changed automatically by the system as per the conditions maintained in the Status Rule Definition screen If you do not select this option you have to change the status manually through the Manual Status Change screen These screens are discussed in detail in the subsequent sections of this document This specification will be defaulted to all the accounts reporting to this account class Exclude Same Day Reversal transaction from Statement If you do not wish transactions booked and reversed on the same day to be reflected in the account statement you can specify the preference here This feature is applicable only for the customer account legs and not for the related GL legs Also reversals made through
302. ts to separate GLs The status codes and the reporting lines for each status may be defined in the Status Details screen Click the GL Lines button in the Account Classes screen to invoke it ae ORACLE GL Lines Account Class Description Status Description Rebook Provisioning on Status Change Debit Reporting Lines Credit Reporting Lines Debit Credit Status Details Fi Account Role Role Description Account Head GL Description Ok Cancel You can specify the following details in this screen Status You can select the different status codes applicable to the account class in this field Use the Add icon to define each status and the attributes for the same You can use the navigation icons to move from one status to the other Only status codes with status type Account will be available in the option list if the Status Processing Basis is defined as Contract Account for all branches in the Branch Parameters If the Status Processing Basis is defined as Group CIF level for any branch then the statuses of type Both are available In this case it is mandatory to link all the statuses defined On selection of the status the associated description will be displayed alongside 3 2 16 Specifying Reporting line Details Dr and Cr GL Lines Select the debit GL account to which all debit balances within a specific account class will report
303. tstanding overdrafts e Bad for customers with only bad loans and accounts with outstanding overdrafts 5 3 ORACLE 5 1 4 5 1 4 1 Customer Classification When you specify CIF details for a customer in the Customer Information Maintenance screen you can also specify the appropriate classification for the customer Description Enter a description for the classification Setting up Exposure Categories You can maintain the different categories under which you wish to track total exposure due to loans issued to customers in customer groups or CIF s as well as due to total overdraft in accounts belonging to customer groups or CIFs for the purpose of ascertaining the amount of provisioning required You can maintain such exposure categories in the Exposure Category Maintenance screen by specifying the name of the exposure category and a short description Invoke this screen by typing LDDECMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Deposits Exposure Category Maintenance Exposure Category Description Input By DOC4 Date Time Modification Number We authorized Authorized By Date Time open You can view the summary of the exposure categories in the Exposure Category Maintenance Summary screen Specifying Status wise Provisioning Percentages for Each Exposure Category After you have maintained exposure categories
304. tudent Dependents Specify the number of family members children and others who are dependent on the customer financially You can indicate any number between 0 and 99 Ethnic Code Indicate the customer s race nation or origin by selecting it from the list available here The following ethnic codes are available for selection 1 American Indian 2 Asian 3 Black African American 4 Hispanic or Latino 5 White Caucasian 6 Alaska Native 7 Pacific Islander 8 Native Hawaiian 9 Other Race 10 Unknown 11 Not applicable corporate or business customer Accommodation Specify whether the customer owns or has rented a residence Select one of the following options from the list available here 2 32 ORACLE Self Owned Company Provided Other Not Used Rents Not applicable 2 2 10 Maintaining Mail Code Details of the Customers Mail code is the return code assigned for the mails statements sent to the customer upon their return as invalid The mail code is printed on all communications sent to the customer s address if a mail code is attached to those customer accounts You can maintain the mail code details in the Mail Code Maintenance screen You can invoke this screen by typing CSDMLCOD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button The screen is displayed as shown below Mail Code Detailed Mail Code Descriptio
305. tus processing and provisioning consult the Loans user manual Customer Group When you maintain CIF details for customers in the Customer Information Maintenance screen you can specify the customer group to which the customer belongs for e Provisioning and status processing Group Code You must specify a group code defined for a group type that is the same as the customer type for instance if the customer is a retail customer you must specify a group defined for retail customers e Classifying the customer as a Clearing customer e Categorizing the customer for levying charges at a customer group level e Classifying the customer as a taxpayer If you select this option the Exposure Category field will be disabled 2 14 4 Capturing Customer Prefixes While maintaining the CIF details of an Individual customer you can capture the academic titles like Prof Dr etc of the customer along with the salutations like Consulate Senator Chancellor etc Therefore you must maintain the list of possible options for each of these academic titles and salutations referred to as prefixes through the Customer Prefix Maintenance screen You can invoke this screen by typing STDCUSPR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button at ORACLE Customer Prefix Maintenance Branch Code az Branch Mame Customer Prefix Details CT pretixt Pretix
306. tus processing parameters that are operative for the contract or account For details about the Branch Parameters screen refer the Core Services user manual 5 1 2 Setting up Customer Groups for Provisioning You may wish to track exposure due to loans issued to a group of customers as a whole and assign the status of all loans issued to the group as the status of the loan with the worst status among those issued to the group You may similarly wish to include the exposure due to outstanding overdraft in respect of a group of customer accounts as a whole and assign the status of all customer accounts belonging to the group as the status of the customer account with the worst status among the accounts and loans belonging to the group You can set up such customer groups for tracking exposure due to loans as well as overdraft customer accounts in the Group Code Maintenance screen Invoke this screen by typing STDGRMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button e Group Code Maintenance Group Code Group Type Corporate Description g Retail Exposure Category j Charge Group Status Clearing Since El Tax Fields Input By DOC4 Date Time Modification Number E Authorized Cancel Authorized By Date Time a Open Each group code that you define is associated with an appropriate exposure category that must be used to track exposure due to loans issued
307. unt Statement Invoke the Narrative Maintenance screen by typing CSDSTNAR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ele ORACLE If you are defining the details of a new record choose new from the Actions Menu or click new icon from the toolbar The Narrative Maintenance screen is displayed without any details Statement Narratives Maintenance Module Narrative Details l Narrative Type Narrative Tax Event O Charge Interest Commission Transaction C order Narratives Language Details O Language Description Input By DOC4 Date Time Modification Number amp Authorized Authorized By Date Time a Open After you have entered all the details of a record save the record using one of the following methods e Click Save icon in the toolbar e Select Save from the Actions Menu While maintaining narratives if you choose the narrative type for a module the prompt codes maintained for this module are displayed You can choose the relevant prompt code from the option list For the FT module the prompt codes can be the following e FT EVENTDESC e FT USERREFNO For the above prompt codes you have to enter the descriptions in the desired language For instance the description for FT EVENTDESC can be maintained as EVENT DESCRIPTION in the English language The Account statement for the above mainten
308. up Withholding End Dat Backup Withholding Percent age Group MIS Joint Recurring Transfer Linked Entities CLS Restrictions MT920 Domestic Professional Issuer Cards OFAC Check Linked Account KYC Details Regulation Addresses Documents HouseHold Code Change Log Maker Date Time Mod Number Record Status Checker Date Time Authorization Status In this screen you can maintain the following details Withholding Tax Details Enter the following details Backup Withholding Start Date Enter the Backup withholding start date using the adjoining calendar Backup Withholding End Date Enter the Backup withholding end date using the adjoining calendar Backup Withholding Percentage The system defaults the backup withholding percentage from the Bank parameter level However you can modify it This percentage will be effective between Withholding Start and Withholding End dates only This defaulted percentage will be used as SDE WITH_HOLD_TAX in IC module to calculate tax based on customer IRS reporting group and product reference Maintaining Personal Details of Individual Customers If your customer for whom you have defined parameters in the CIF basic screen is an individual you also have to maintain the personal details in order to determine the credit line Click the Personal tab from the CIF Maintenance screen to maintain these details 2
309. vernment Private Owned Public Held Partly Owned By Gov and part by private or public Investors Partly Traded in Stock Exchange Shares Traded In Stock Exchange amp Partly Held By Private And Public Investors Others Incoming Transfer MT103 Incoming Transfer MT202 Outgoing Transfer MT103 Outgoing Tranfer MT202 Clearing and Collections Check s and Drafts LC Advising LC Reimbursements LC Confirmation LG Advising Bill Discounting Bankers Acceptances Risk Participation Funded and Non funded per annum Board of Directors KYC_BANK_STRUCTURE KYC RATING Satisfactory ee ORACLE Executive Committees KYC Type Possible Values Unsatisfactory Fair Legal Entity KYC SHARE HOLDER TYPE Individual 2 16 Maintaining Customer KYC Details You can maintain the KYC details of the customer in the KYC Details screen You can invoke this screen by typing STDKYCMN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button YC Maintenance KY C Reference Mo jooozkycosos1o002 Full Mame of Customer COO ee KYT Customer Type Risk Level Retail Customer Corporate Customer Financial Customer Fields haker Date Time hod MHo Checker Date Time Record Status Authorization Status Here you can specify the following details KYC Reference Number The system displays the reference number The KYC refere
310. which the account classes are to be assigned to different account codes An account code can consist of a maximum of four characters Depending on the customer account mask maintained the value in the account code field would be used during the generation of customer account numbers through the Customer Accounts Maintenance screen If you have decided to include account code as part of the customer account number in the account number mask then at the time of creating a new customer account number you will need to select the account class for the account number being generated In the option list provided the account class is displayed along with the associated account code When the account number gets populated it is the account code that forms a part of the customer account number Start Date Specify the date from which the account class should become active using the adjoining calendar You will be able to create accounts under this account class from this date End Date You can also specify the life span of the account class by indicating the end date The end date for an account class refers to the termination date after which creation of new account under the account class is disallowed Consequently the option list for Account Class in all further transactions screen in Oracle FLEXCUBE will not display the expired account class as of the system date However the existing accounts for the account class will be
311. while performing the referral checks for all transactions involving the account If a transaction involving the account results in the account moving to overdraft the account and transaction details will be sent to the Referral Queue e _Lodgment Book If you wish to allow orders of lodgment books for all accounts that use an account class you can indicate so in the Account Class Maintenance screen by selecting the Lodgment Book option e Back Period Entry Allowed if checked indicates that back valued entries can be posted to account belonging to the class as long as the account is open You will be allowed to change this specification for a specific account e APY Required if checked indicates that the annual percentage yield should be displayed in all detailed account statements for savings accounts created under this class Refer the Current Account and Savings Account User Manual for more information on APY While posting back valued transactions the System verifies whether the Back Period Entry Allowed option has been enabled for the account class If the option has not been enabled an error message Is displayed This check is also performed while uploading journal entry transactions Dormancy Advice Check this box to enable the system to generate an advice indicating the customer of the dormant status of the account By default this is unchecked Dormancy Advice Days Specify the period in days after which the
312. will be applicable only for subsequent transactions e Unutilized limit amount does not get carried forward to the next period 3 5 Maintaining Deposits Instructions You can maintain deposits instructions for auto created deposits The values you specify here will override the parameters you have maintained in the Account Class maintenance Invoke the Deposits Instruction screen from the Application Browser to maintain the deposits instructions specifically for the auto created deposits ee ORACLE Type ICCINSTR in the field at the top right corner of the Application tool bar and click the adjoining arrow button Deposit Instructions Branch Code Account Account Class Customer Currency Sweep Branch Deposit Currency Sweep To Account Sweep Amount Seq No Tenor Sweep Multiple Of Minimum Required Balance SCode External Reference Number Retry Till Date Start Date You can set the terms and a condition for a deposit as follows e Account Number This is the account number of the deposit e Account Class This is the account class to which the account is linked e Customer Number The customer for whom you are maintaining the deposit instructions e Sweep to Account Indicate the account to which the sweep is carried out e Amount This is the deposit amount e Minimum Required Balance The minimum balance indicates that only the amounts above this limit will be used for auto crea
313. y which is also your customer When maintaining customer details of the corporate entity you can capture names and shareholding percentages of your individual customers who hold shares in the corporate entity When you query in Oracle FLEXCUBE for limits utilizations for any such individual customer your exposure to the corporate entities is also displayed Example Silas Marner and Keith Butler are individual customers and they have contracts and accounts with your bank Parivallal Express Limited Gem Granites Limited and Assorted Chemicals Limited are your corporate customers Silas Marner has a shareholding in Parivallal Express Limited and Gem Granites Limited Keith Butler has a shareholding in Gem Granites Limited and Assorted Chemicals Limited A ORACLE 2 9 While querying limits for Silas Marner your exposure to Parivallal Express Limited and Gem Granites Limited is displayed along with your exposure to Silas Marner You can choose to drill down any of the exposures to see the specific line details and contracts However if you query for exposure to Parivallal Express Limited or Gem Granites Limited your exposure to Silas Marner is not displayed Click on Ok button to save the details that you specified Click the windows Close icon to exit the screen without saving the entries that you made Maintaining Last Contact Reason Code You can maintain the reason code for the last contact using the Last Contact Reas
314. you must maintain the appropriate provisioning percentages to apply to each exposure category for contracts as well as accounts in each of the statuses You must also maintain the applicable discount percentages You can do this in the Exposure Category Provisioning Percent Maintenance screen where you can specify the applicable provisioning percentage and discount percentage for each status 5 4 ORACLE Invoke this screen by typing LDDPRVMN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button amp Corporate Deposits Provisioning Percentage Maintenance Exposure Category l i C1 status Description Provisioning Percentage Discount Percentage Input By DOC Date Time Modification Number Authorized BE Authorize Cancel Authorized By Date Time v open You can view the summary of the provisioning details in the Exposure Category Provisioning Percent Maintenance Summary screen Invoke this screen by typing LDSPRVMN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Corporate Deposits Exposure Category Provisioning Percent Maintenance Authorization Status Record Status Exposure Category az Records perpase is v oli ota oewre F Authorization Status Record Status Exposure Category Authorization Status Record Status 4 Authori
315. zed C Closed U Unauthorized Open For contracts and accounts involving a customer whose exposure is being tracked under the exposure category the applicable provisioning percentage as well as the discount percentage is picked up from this maintenance if not specified at contract input or in the case of accounts in the Customer Account Maintenance 5 5 ORACLE 5 1 4 2 Specifying Logic for Deriving Exposure Category After you have maintained exposure categories you must also specify how the system would derive the exposure category under which contracts and accounts must be tracked The exposure category can be derived from the following parameters Category Type You may wish to track the exposure in respect of customers from different categories such as retail or corporate under different exposure categories Amount Limits You may wish to specify an amount range within which the total exposure would be tracked for the customer or group In the Exposure Category Category Type Linkage screen you can link the exposure category to be used for tracking different customer category types and total exposure in respect of a customer group Invoke this screen by typing LDDETMNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button amp Corporate Deposits Category Type Maintenance Category Type Corporate Basis Amount Currency sez Exposure

Core Entities Version-1.0 9NT1438

Contents

Download Pdf Manuals

Related Search

Related Contents