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Current and Savings Account Version-1.0 9NT1425

1. 10 15 Accrual Required Tier Interest Rate Tier Spread ORACLE e Spread 10 1 8 Bulk Input of Post Dated Cheques Oracle FLEXCUBE allows bulk inputs of PDCs with different due dates provided the Cheques have the same amount and are drawn on the same account You can invoke the Post Dated Cheques Bulk Input screen by typing PDDBULKI in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Post Dated Cheques Bulk Input Webpage Dialog Transaction Reference Sector Code External Reference Number gt Checks in Series Product Code Branch Code Remitter Account Number Number Of Entries Beneficiary Account Currency Number Amount Instrument Number Instrument Number Frequency Clearing Details Clearing Product Routing Number End Point Clearing Bank lssuer Bank Clearing Branch Issuer Branch Sector Code Charne Pavable Netails Fields Input By Date Time Modification Number WB Authorized Authorized By Date Time a Open The fields in this screen are the same as those in the Post Dated Cheques Transaction Input screen mentioned above Additionally you have to specify the number of instruments the instrument number frequency and the activation date frequency i e the frequency with which the PDCs fall due in days months and years Check in Series Check this box to enable bulk input of post dated cheques If this box is not ch
2. Cheque Status Norma Location Of Cheque Operation Limits Tracking Credit Line Interest Computation Dates To Date Limits Tracking Required Charges Accounting Entries Cancel MIS ICCF Input By Date Time Authorized By Date Time Contract Status Pa Authorized Transaction Reference Number Specify the Transaction Reference Number of the post dated cheque Product Code From the option list of product codes that you have created in the Product Definition screen specify the PDC product code that has to be used for the Cheque Remitter Account Number This is the account which has to be debited for clearing the Cheque Depending on the PDC type you will have to select the following values for the remitter account e lf the PDC type is Own A c PDC the remitter account should be a valid customer account e lf the PDC type is PDC issued by the bank the remitter account can either be a GL or Nostro account e Ifthe PDC type is External PDC the remitter account should be a valid GL 10 8 ORACLE Beneficiary Account Number This is the number of the account in favor of which the PDC is drawn If the customer draws a PDC on his account for depositing into another account held in your bank then you can enter the beneficiary account number here The beneficiary account can either be a valid customer account or a valid GL Amount and Currency From the option list select the currency in which the PDC
3. Customer lt Interest comp gt _LIQD PDC ISSUE CON PD TAG TR PD PULLINC PD CHG TAG Event RETN Customer Cheque discounted Customer lt Interest comp gt LIQD Interest Receivable lt Interest comp gt _LIQD 10 25 ORACLE Event ACCR Income lt Interest comp gt _ACCR Interest Receivable lt Interest comp gt _ACCR Event RADJ Customer lt Interest comp gt _LIQD Interest Receivable lt Interest comp gt LIQD 10 1 13 4 Discounted Arrear charge collection without Accrual Event CDIS Check Discounted PD TAG 10 26 ORACLE Event PULL Check Discounting PD_TAG Income lt Interest comp gt LIQD Customer lt Interest comp gt LIQD PDC ISSUE CON PD TAG TR PD PULLINC PD CHG TAG Event RETN Customer Cheque discounted Customer lt Interest comp gt LIQD Income lt Interest comp gt LIQD 10 27 ORACLE Event RADJ Customer lt Interest comp gt LIQD Income lt Interest comp gt Cr _LIQD 10 1 13 5 Purchase Event CPUR Check Discounted PD TAG B Event RETN Cheque discounted PD_TAG Event RADJ Customer lt Charge comp gt _LIQD lt Charge_comp gt _RE lt Charge comp gt C _LIQD 10 28 ORACLE 11 Instrument Details 11 1Introduction Instrument transactions entered through an Oracle FLEXCUBE branch are stored in the host Oracle FLEXCUBE database through the Instrument details screen The I
4. Our Correspondent 5 Columns Receiver s Correspondent 5 Columns Intermediary 5 Columns Account With Institution 5 Columns Payment Details 5 Columns Sender to Receiver Information 5 Columns 13 8 ORACLE 13 9 ORACLE Common Payment Gateway Field 13 2 Manual Processing for Uncollected Funds Typically uncollected funds on a payment instrument will be actually cleared after a specified time interval depending upon the type of instrument This is referred to as the availability information for uncollected funds The availability information is maintained for each kind of transaction in your bank represented by transaction codes in Oracle FLEXCUBE You can manually make available or release uncollected funds before the available date for credit transactions 13 10 ORACLE 13 2 1 1 Operations that you can perform You can invoke the Uncollected Funds Release screen by typing ACDMUNCL in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 3 Uncollected Funds Release Webpage Dialog In the Uncollected Funds Release screen you can choose to e Release the uncollected funds for a credit transaction for which manual release has been specified or for which a float period has been specified You can release the funds before the available date is reached The release can be automatic or manual If automatic you can specify a To Date and
5. Contingent entries if required are passed for the PDC during initiation e Liquidation of PDCs where the PDC becomes a normal Cheque to be sent through clearing e Cancellation when the PDC is cancelled before liquidation It is also possible to reverse a PDC after liquidation For processing PDCs you will first have to create PDC products in Oracle FLEXCUBE and then process individual PDCs as contracts under the products that you create 10 1 1 Maintaining PDC Products You will have to create a product for PDCs and define attributes specific to it You can invoke the Post Dated Cheques Product Definition screen by typing PDDPRMNT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button In this screen you can enter basic information relating to a PDC product such as Product Code Description and so forth 10 1 ORACLE Post Dated Cheques Product Definition Webpage Dialog Exchange Rate Variance in Product Code Override Limit Product Description stop Limit Product Type Rate Code Description Rate Type Slogan Product Group Start Date End Date Remarks Accounting Roles Events Charges Preferences CCF His kaker Date Time Mod No B Authorized Checker Date Time B Open For any product you create in Oracle FLEXCUBE you can define generic attributes such as accounting roles events MIS details etc by clicking on the appropr
6. You need to specify the account statement format for Savings and Nostro types of account classes 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 Web Page Dialog Account Class Account Code Start Date End Date Dormancy Days Account Statement Format Display IBAN in Advices InterPay Dual Currency Deposit No Frills Account EEFC Account Natural GL Secondary Account Statement Parameters Type None Summary Description Account Type Nostro Misc Dr Misc Cr Savings Current Deposit Line Account Dormancy Parameters Debit Credit Any Manual Tertiary Account Statement Parameters Type None Summary Primary Account Statement Parameters Type None Summary Detailed Cycle Statement Day Offline Limit Provisioning Details Auto provisioning required Preferences REG Deposit Auto Deposit GL Lines Status Rule Amt Block Restriction MIS Branches Currencies Customers Categories Fields Statement Input By Date Time Authorized By Date Time Modification Number You need to maintain the following details Account Type authorized a Open You need to maintain two records for one choose Savings and for the other choose Nostro Account Statement Format Choose ACST DETAILED for Savings type of
7. end Cheque number fields This is not mandatory if the stop payment type is an amount End Cheque Number This is the last cheque of the range If the instruction is specified for a range of Cheques the number of the first and the last Cheque of the range should be specified by the customer 8 2 ORACLE This is not mandatory if the stop payment type is an amount Cheque Amount If the stop payment type is amount the Cheque amount represents the amount for which the Cheque was drawn Confirmation Status The confirmation status indicates whether you have confirmed the stop payment instruction issued by the customer Effective Date This is the date on which the stop payment comes into effect A future dated stop payment is affected after the Beginning of Day process has been executed for the day the effective date of the stop payment Expiry Date The stop payment expires on this day A stop payment is effective till the End of Day is run on the expiry date On expiry of a stop payment the status in the Customer Accounts Maintenance table gets updated if no other stop payment is enforced on this account If you do not specify an expiry date the stop payment will remain effective till it is revoked Remarks Here you can enter information specific to the stop payment that you are capturing For example you can indicate the purpose for which the stop payment has been issued After having m
8. is debited for this amount On selection of the account the branch in which the account resides gets defaulted If you select a GL the current branch gets defaulted After you save and authorize the record the system automatically generates the Cheque leaf numbers based on the Cheque book number and the total number of Cheque leaves you have defined for the book The system also maintains the status of each leaf in the book 13 1 2 Viewing the Cheque Leaf Number and Status Click Status button in the Instrument Type Maintenance screen to invoke the Status of Cheque screen In this screen you will see the individual Cheque numbers and Cheque status By default the status of a Cheque is Not Used 13 3 ORACLE E Web Page Dialog Instrument Type Branch CHO Account Cheque Book Mo Account Branch Change Status To Instrument Leaf Details E Cheque Mo Statue Amount Beneficiary Generation Date Value Date Cancel The operation you perform on a Cheque book effects the corresponding Cheque leaves also For instance if you choose to close a Cheque book the status of the Cheque leaves is also automatically updated to Cancelled On reopening the Cheque book the status becomes Not Used again 13 1 3 Defining Cheque Details After the Cheque book is saved and authorized you can view the details of the individual Cheque leaves in the Instrument Type Leaf Maintenance screen You ca
9. 2 3 Viewing OD Limit History You can view the details related to OD Limit history in the following two screens e OD Limit History Master e OD Limit History You can view the history using the OD Limit History Master screen To invoke this screen type STDQACLN in the field at the top right corner of the Application tool bar and click adjoining arrow button OD Limit History Master Web Page Dialog Account Details Branch Code Account Mo OD Account History Fl version No Date Modified Shom Detail You can view the following details Branch Code Click the adjoining option list to select a Branch Code Account No Click the adjoining option list to select the Account Number 14 10 ORACLE Version No When you select the branch code and the account number and click Query the system automatically displays the Version Numbers Date Modified When you select the branch code and the account number and click Query the system automatically displays the Modified Date QUERY When you select the branch code and the account number and click QUERY the system displays the version numbers and date modified automatically Show Detail You can select one particular version and click Show Detail button to view the details of that version OD Limit History Web Page Dialog Account Details Branch Co
10. Actual Status Status Message i Open Maker Date Time a Authorized Checker Date Time On clicking P button the system displays the CASA accounts along with BC contract or CL accounts linked to the chosen customer number with the following details e Module e Contract Account No e Currency 7 4 ORACLE Outstanding Amount Current Status As per system calculation on that day Actual Status User Defined status at the Contract level Status Value will be null on populating it for the first time And it will display F if status change gets failed for the contract account Message will display the error message if the value of the status is F On saving the details the statuses of all the CASA accounts along with CL and BC contracts of the customer are moved to the new status that has been selected 7 2 1 1 Processing of Accounts The account processing takes place as follows On authorizing the record system fires a status change STCH event for each of the customer s contract The status of the CASA account is moved The account is also authorized If there are several accounts for the customer and if status change of one of the accounts fails a message will be displayed at the end and other accounts will be processed All the successfully processed accounts have new status while others still have the old status The failed accounts are logged into an exception data store Handling of acco
11. Address 2 x aj TRANSACTION DETAILS CHARGES Instrument Type Status v Original Draft Number Issue Branch Payable Bank Discount Days Instrument Number Payable Branch Reissued draft number El Narrative MIS Clearing Accounting Entries Contract Status l Authorized Only contracts with Active status and payable at your branch will be available for Liquidation The liquidation product code as maintained in ARC should be selected The beneficiary account details are defaulted from ARC if maintained or have to be entered in the fields available for the same Charges are defaulted from ARC and can be modified Liquidation option should be selected from the toolbar menu to activate liquidation process 11 4 4 Charges for the Instrument The charges that you have specified in the ARC Maintenance for the instrument branch and currency combination for the transaction are applied by default Click the Charges tab in the main Instruments Transaction Query screen to view the charges ORACLE E Instruments Transaction Query Web Page Dialog TRANSACTION DETAILS CHARGES Charge Account P Charge Branch Charge General Ledger Their Accoun MIS Clearing Accounting Entries H Authorized The following details are displayed in this screen based on the ARC record for the instrument branch and currency combination chosen for the transaction e The charge account typically the income account that
12. Aic Branch TO Amount TO Currency Avaialble Amt TD Rate Int Spread OD Fate Linked Amount Expi l 14 1 ORACLE You can capture the following details here Branch Code Specify the Branch Code here Account No Specify the Account Number here Customer No Enter the Customer Number here Ac Ccy Specify the Account Currency Effective Date The effective date is populated automatically TD Alc No You can click the option list to select the TD Account Number TD A c Branch On selecting TD A c number the TD A c Branch gets automatically populated TD Amount On selecting TD A c number the TD Amount gets automatically populated TD Currency On selecting TD A c number the TD A c Currency gets automatically populated Available Amt On selecting TD A c number the TD available amount gets automatically populated TD Rate On selecting TD A c number the TD Rate gets automatically populated Int Spread Specify the Interest variance for OD 14 2 ORACLE OD Rate You can compute the OD Rate as follows Total Interest Rate TD Interest Rate Interest Rate Variance for OD Linked Amount Enter the values for Linked Amount You can modify it further Expiry Date Specify the limit Expiry Date You can modify it further 14 2 1 Processing a TD Transaction Only TDs marked for Auto Rollover is allowed for linkages In case of different custome
13. History button to display the Cheque Details History table This table lists in a tabular form each successive modification detail that this Cheque has undergone The amount for which the Cheque was issued the presentation date and the value date of the Cheque are also displayed The serial number represents the modification number To exit from the Cheque Details History table click Exit or Cancel button If you have invoked the table from the Application Browser you would be returned to the Browser If you have invoked this table from the Cheque Status screen you would be returned to the Cheque Status table ORACLE 7 Maintaining Amount Blocks 7 1 Defining Amount Blocks An amount block is that part of the balance in a customer s account which you wish to reserve for a specific purpose It can be specified for an account either on the directions of the customer or at the behest of the bank When an amount block is set for an account the balance available for withdrawal is the current balance of the account minus the blocked amount On expiry of the period for which the amount block is defined the system automatically updates the amount block Cheque in the Customer Accounts table Example If the balance in an account is 1000 currency units and the amount block defined is 500 currency units the actual funds available for withdrawal is only 500 units An override will be required if the
14. The overdue charge component is always collected in arrears irrespective of preferences defined Frequency amp Cascade Scheduling Cheque the Cascade scheduling option if you wish subsequent schedule days to be recalculated when a particular schedule day is shifted If you do not select this option then the original schedule is maintained This Cheque box is enabled only if you have chosen to allow bulk input of PDCs PDC Realization Select the type of PDC realization from the following options e Auto Select this option for the automatic movement of funds to collected as a batch on the Customer Float day e Manual Select this option for the manual movement of funds to collected 10 7 ORACLE 10 1 4 Entering Details of Post Dated Cheques You can invoke the Post Dated Cheques Transaction Input screen by typing PDDONLIN in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button a e Post Dated Cheques Transaction Input Webpage Dialog Transaction Reference Number Event Sequence Number Product Code source Code Remitter Account Number External Reference Beneficiary Account Number Branch Code Amount Instrument Number Value Date Currency Clearing Details Clearing Product Routing Number suer Branch End Point suer Bank Bulk Transaction Reference Clearing Bank Mher Clearing Branch Sector Code Discount Purchase Details Amount Activation Date
15. account class and Nostro type of account class 9 2 2 1 SB TDS Certificate Specify the details in the Preference screen of account class maintenance to generate the TDS certificate Form 16a for savings bank accounts Check SB TDS Certificate Required box to generate the certificate This certificate is applicable only for NRO savings bank accounts 9 6 ORACLE Preferences Webpage Dialog Cheque Book Preferences Cheque Book Auto Reorder of Cheque Book Reorder Level Reorder Number Of Leaves Turnover Limit Preferences Turnover Limit Code NRI FCNR Deposit Amount Minimum Currency FEY Cash Deposit Limit Currency Preferences Limit Check Overdreft Facility Pass Book Facility Track Receivable Account Statistics Exclude Same Day Reversal transactions from Statement Back Period Entry Allowed Consolidation for Inward Clearing Interest Charges Track Accrued Interest Debi Credit Advices Posting Allowed Lodgment Book Interest Statement Available Balance Check Required Referral Required Status Change automatic Integrated Liquidity Management ATM Facility Daylight Limit SB TDS Certificate Required For further details on TDS certificate refer the Term Deposit Account chapter of Core Entry module ORACLE 9 2 3 Maintaining Message Types You can invoke the Message Type Maintenance screen by typing MSDMSTYP in the field at the top right corner of the Application to
16. allow bulk input you can indicate the default instrument number and frequency of the PDCs This value defaults to bulk input contracts but can be changed while entering the bulk input contract Holiday Treatment If the liquidation event for a PDC falls on a holiday you may wish that event to take effect either on the previous or on the following day Select either Backward or Forward to indicate your preference You may also desire that the schedule for bulk upload of PDCs gets modified according to the holiday treatment that you specify That is if a particular schedule day falling on a holiday is shifted backward forward then you may wish the subsequent schedule days also to move e Forward 10 6 ORACLE e Backward by the same number of days Accrual Frequency Specify the frequency in which the interest components are to be collected The frequency can be Daily Monthly Quarterly Half yearly and Annual Accrual start month Specify the month when the accrual should happen if the frequency is selected as Quarterly or above Accrual start date Specify the date of the month when the accrual should happen if the frequency is selected as Monthly or above Charge to be collected in Specify the option for collecting the charges from the adjoining drop down list The available options are e Advance The charge defined can be collected in advance e Arrears The charge defined can be collected in arrears
17. be Balance with liquidation frequency for instance if the interest liquidated for the previous interest is calculated on the average period and you must maintain the APY daily balance for the calendar month and basis as LIQD account statement is provided from 16 of one month to the 15 of next month Average Statement frequency is lesser than APY is printed only when the interest is Balance liquidation frequency for instance if liquidated i e the account statement for interest is paid on a quarterly basis for first two months of the quarter does not the quarter and account statements are print APY and APY is printed in the provided monthly account statement only for the third month For such cases you must maintain the APY basis as LIQD 12 1 ORACLE Average Statement frequency is more than Balance liquidation frequency for instance if interest is paid on a monthly basis and account statements are provided annually Daily Statement frequency is less than Balance liquidation frequency for instance interest is calculated using the daily balance method applied annually and monthly statement is provided Daily Statement frequency is more than Balance liquidation frequency as well and Statement frequency not in sync with APY calculation is based on the latest interest liquidation that occurred within the statement period For such cases you must maintain the APY basis as L
18. book The status of a cheque leaf can be one of the following Not Used This cheque has not been used This cheque has been used Ro Rejected This cheque has been returned without clearance Stopped Astop payment has been issued for this cheque This cheque has been canceled To view the status of a Cheque book the details of which are on display click View Cheque Status button on the Cheque Book Maintenance table The View Cheque Status table is invoked Al View Cheque Status Web Page Dialog View Cheque Status E Cheque Book No Cheque No Status Here you can view the status of all the leaves in this Cheque book The Cheque Number on display is the number of the first leaf on this Cheque book and is defaulted from the Cheque Book Details screen ORACLE The Cheque leaf status can be viewed in a matrix form The column number should be suffixed to the row number to arrive at the Cheque number whose status you want to view For example in the matrix above the second row number 000000000000001 when suffixed with 0 would give the status of the Cheque number 0000000000000010 which is under a stop payment order TO move up and down the matrix click on the upward and downward arrow respectively on the side of the matrix You have the option of manually changing the status of any of the Cheque leaves except a Cheque which has been used or a Cheque under a stopped payment order The s
19. customer withdraws a higher amount When a debit to a customer account is made where the transaction amount exceeds the available balance in the account the system asks for an override Amount blocks are maintained in the Amount Block Maintenance table 7 1 1 Maintaining Consolidated Amount Block Details You can invoke the Consolidated Amount Block Input screen by typing CADAMBLC in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 7 1 ORACLE Consolidated Amount Block Input Web Page Dialog Customer Number Customer Name Account Details Z Account Available Balance Amount Blocked Mo Debit Amount Details C Sequence Mo Amount Effective Date Expiry Date Remarks Close Fields Input By DOC3 Date Time Modification number Ope ip ate T oditication numbe g Open Authorized By Date Time I Authorized In this table you maintain all amount block details enforced for a customer account Any number of amount blocks can be enforced for an account The following information will be available in this screen e All the accounts maintained for the customer e The available balance in each account e Active amount blocks if any e Whether the account is marked for no debit Full Amount Block option is Cheques e The user defined fields UDFs associated with the Customer i e the UDFs mapped to the function id STDCIF
20. field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Intra Day Batch Start Web Page Dialog Function The Beginning of Day process skips the release of uncollected funds in respect of transactions posted using a transaction code for which the Intraday Release option has been enabled During the End of Day batch process uncollected funds for transactions that have been posted using a transaction code for which the Intraday Release option has been enabled and are due for release on or before the current date are released This takes place after all the End of Transaction Input EOTI validations are performed The EOD batch processing ensures that if the Intraday Release batch is not run or the transactions are posted after the Intraday Release batch is run and the funds are due to be released the same is done This is done just after performing all pre EOTI validations 13 13 ORACLE 13 3 1 Querying for Details on Overdrawn Accounts You can query for details of accounts that are overdrawn over limits through the Overdrawn Accounts Query screen lt 4 Overdrawn Accounts Query Web Page Dialog Customer Number Currency Liability Number Account No Facility Identifier Customer Number Branch Code Kl Search Advanced Search Reset Account No 0000001 0000001 ACCCAUSDrN 1110001 100001 1111118 100002 1111112 100003 CUS100CHA 100004 111
21. for the instrument type You can change this date e Exchange Rate If the account currency is different from the currency in which the instrument amount is expressed you can specify the exchange rate that will be used in the Exchange Rate field The exchange rate maintained for the two currencies is defaulted you can change it e SSN this is the social security number which is displayed if maintained on selecting the remitter If not maintained this has to be entered here ORACLE e Reissued Cheque the box if the instrument is being reissued for some reason e Reissued Draft No Specify the draft number for the instrument that is reissued e The Original Draft Number This is populated with the instrument number of the contract that is re issued e Reissue remarks can be the reason due to which the instrument is being reissued Tanked Transaction The system checks this option when the Branch Available status is No or when the branch date is ahead of the host date Accordingly accounting entries are passed with the tanked status The transaction status of the Instrument Transaction is changed to Active when the branch Available status is changed to Yes And the tanked accounting entries if any will be un tanked and released You can process the reversal of Instrument Transaction in the same way as tanking the transaction Specifying beneficiary details You must also specify the details
22. is denominated Also specify the amount of the PDC Value Date Specify the date on which the PDC was deposited Event Sequence Number Specify the event sequence number for processing a post dated cheque Source Code External Reference Number Specify the external reference number while processing a post dated cheque Branch Code Specify the code for the branch that has issued the post dated Cheques Instrument Number This is the PDC number If PDC type is External this number should be unique for the given clearing branch amp bank 10 1 4 1 Clearing Details In the fields provided enter select the Clearing product Select the product that is ready for clearing Issuer Branch Select the branch that is issuing the post dated Cheques Clearing Bank Select the bank that is clearing the post dated Cheques issued 10 9 ORACLE Clearing Branch Select the branch that is clearing the post dated Cheques issued Sector Code Select the code of the sector that is processing the post dated Cheques Issuer Bank Select the bank that is issuing the post dated Cheques Bulk Transaction Reference Number Specify the bulk transaction number that is used in transactions For detailed field explanation on End Point amp Routing Number refer to the Clearing User Manual The clearing details are needed only for External type PDCs 10 1 4 2 Discount Purchase details Operation Select the operation from the ad
23. matrix Subsequently if a Cheque is canceled or rejected the status can be updated in the status matrix e Apart from this tracking and upholding a stop payment instruction against Cheques is also a function that this sub system supports These stop payment instructions normally coming from a customer against a Cheque or a series of Cheque or an amount for which a Cheque was issued are applicable for a period or indefinitely Yet another feature supported by CASA is the facility to define amount blocks for accounts as per a customer s instruction or the instruction of the bank The system processes the expiry of such blocks automatically To put it briefly in the CASA sub system you maintain the following details e Cheque books issued to customers e Amount blocks enforced against accounts e Stop payment instructions issued by customers These details are maintained in what are called data tables and are called forth for interface during a Cheque processing by the Data Entry and Funds Transfer systems These tables are e Cheque Book Details Cheque Status and Cheque Details where you maintain Cheque book details e Amount block maintenance where you maintain amount blocks against particular amounts e Stop Payment where you maintain stop payment instructions issued against a Cheque or range of Cheques All tables can be invoked by highlighting CASA in the Application Browser A list of functions under CA
24. number frequency you have specified for the bulk input The individual contracts become active when you authorize the bulk input and can be viewed through the PDC contract online screen The actions allowed in this screen are Add and Delete Delete is allowed only before authorization Other actions are performed on individual PDCs through the PDC Online screen as explained above 10 1 9 Processing of PDCs that you have entered Oracle FLEXCUBE initiates unprocessed PDCs as per product definition on authorization The status for the PDCs is set to Initiated and contingent entries are passed 10 1 10 Liquidation of PDCs PDCs that have reached or are past their activation date are liquidated as part of beginning of day batch process in Oracle FLEXCUBE For PDCs with Initiated status the system performs the following actions on liquidation e Reverse contingent entries if any were passed e Update status to Liquidated e Log the instrument with Clearing if necessary 10 18 ORACLE e Call Accounts Rates Charge ARC upload to create a Cheque deposit transaction as per the ARC product set up for the PDC e Failed transactions are logged as exceptions An active PDC can also be manually liquidated on or after its activation date To manually liquidate a PDC select Liquidate from the Actions menu in the Application toolbar or click liquidate icon 10 1 11 Cancellation and Reversal of PDCs An active PDC can be cancelled befo
25. of the day you may want to retrieve information on any of the several operations that were performed during the day in your bank You can generate this information in the form of reports in ORACLE FLEXCUBE For every module you can generate reports which give you data about the various events in the life of a specific contract or across contracts at a specific point in time You can have analysis reports daily reports exception reports reports on events that ought to have taken place on the contract but have not due to various reasons and history reports and so on From the Application Browser select the Reports option A list of all the modules to which you have access rights are displayed in the screen When you click on a module all the reports for which you have access rights under the selected module are displayed Click on the report you want to generate You will be given a selection Criteria based on which the report would be generated You can generate the following Currents and Savings Account reports e Cheque book Details Report e CASA Stop Payment Report Cheque Book Details Report This report gives details of the Cheque book of a customer You can invoke this screen by typing CARPCKDT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 9 CASA Cheque Details Report Options Web Pape Dialop Report For Selection Options 16 1 ORACLE You can in
26. settlement the system will delete the outstanding cheques A report of such cancelled cheques is generated on a daily basis Remarks Specify the reason for cancellation of post dated cheque DP amount Specify the discount amount The full amount of the PDC will be the discount amount Issuer Bank Specify the name of the bank of the issuer Issuer Branch Select the branch that is issuing the post dated Cheques Activation Date Specify the date of activation of PDC 10 17 ORACLE Purpose Specify the purpose for which the PDC is issued This is for information only Location of Cheque Specify the location where the PDCs are held till activation This is for reporting purposes only Charge Branch Select the branch in which the charge payable account is maintained Charge Account Number The account which is to be debited for the charge this is necessary for passing accounting entries for the charge calculated for any of the events associated with a PDC Charge Currency Specify the currency in which the charge should be calculated If you enter the fields instrument number frequency no of entries for a bulk input where the check in series flag is not selected an error would be thrown on saving You will be able to upload bulk cheque transactions using file upload Once you have entered all the details and saved the contract individual PDC contracts are created based on the activation date and instrument
27. the status of the PDC will be updated as Passed 14 13 ORACLE 15 Glossary 15 1 Important Terms Amount Block It refers to the portion of the balances of a customer account that is designated to be set apart for specific purposes and cannot be withdrawn The blocking can be set up either on request from either the customer or the bank Check Book It is one of the means that the bank provides to the customer for withdrawal of balances from the account It consists of a specified number of leaves against each of which a specified amount can be drawn from the account balance Effective Date It is the date on and following which an amount block on a customer account becomes effective End Check Number It is the number of the last check in a range of checks against which a customer directs the bank to stop payment Modification Number It is the serial number of a check status modification It is incremented serially each time the status of a check is modified Start Check Number It is the number of the first check in a range of checks against which a customer directs the bank to stop payment Stop Payment Instruction A directive from a customer to the bank instructing that payment against a check must be stopped The directive could specify an amount in respect of a check a single check or a range of checks 15 1 ORACLE 16 1 16 2 16 Reports Introduction During the day or at the end
28. the system to compute APY on CASA accounts you need to e Maintain a non booked formula for APY as part of the interest formula in the Interest and Charges rule used It must be remembered that only one APY formula may be maintained for an interest rule e Inthe Regulation Parameters Maintenance screen specify the non booked APY formula defined involving the interest formula in the interest rule for the product as an APY type formula You must also specify the basis average balance or daily balance upon which the APY must be calculated 12 1 1 Specifying the APY Basis When you identify the APY formula you must also specify the basis upon which the interest used for APY computation will be computed You can choose either the average balance basis i e the interest is computed based on average balance and APY is computed up to the latest interest liquidation or a daily balance basis interest is computed based on daily balance and APY calculation takes into account the interest accrued till the current statement date If the interest is computed on an average balance basis specify LIQD as the APY basis or if the interest is computed on a daily balance basis specify ACCR as the APY basis For an IC deposit you must specify the APY basis as ACCR The different scenarios that could arise upon choosing these options are shown below Average Statement frequency is asynchronous Interest used for APY calculation will
29. you are issuing the customer Kind Of Cheque book A cheque book for customer can be of two types commercial and Euro A radio button is provided by which you can make your choice as displayed on the screen You can issue the Euro cheque book to a customer whose account specifies for a Euro Cheques option in the customer account maintenance screen Order Date This is the date on which the customer placed a request for a new Cheque book Issue Date This is the date on which the Cheque book was issued to the customer Order Details Against order details you can enter any detail such as the name of the person who has collected the book on the customer s behalf or the details of any special request for additional number of leaves in the Cheque book and so on After having made the required mandatory entries and having saved your work your user ID will be displayed at the made by field at the bottom of the screen the date and time at which you saved the product will be populated However the authorization status will remain blank which means that your entries have not been authorized by a user other than you Status remains open or closed depending upon the status of the record ORACLE Include for Cheque Book Printing When processing automatic reordering of cheque books for your branch a file will be generated which will include the details of cheque books marked for automatic reorder This file will then be sen
30. you have specified in the charges section of the ARC Maintenance e The details of the charge such as currency and the transaction code used to post charge entries and whether netting is required The amount of the charge is computed by the system and displayed You can choose to alter the charge amount here 11 4 5 Processing Outward Clearing Instruments When you liquidate outward clearing instruments you need to enter the following details e The charges being collected on behalf of the collecting bank e The collection bank accounts You only need to specify these details if your bank is collecting charges on an outward clearing instrument on behalf of the collecting bank as specified in the ARC Maintenance 11 5Exempting Tax on Interest Earned on Deposit Accounts Deposit Interest Retention Tax DIRT is payable on interest on deposit accounts Customers belonging to certain customer categories for example charities and non residents can be exempt from paying DIRT Refer to the user manual for the Tax sub system for details on exempting interest earned on Current and Savings accounts from DIRT 11 10 ORACLE 12 Annual Percentage Yield for CASA Accounts 12 1 Introduction Oracle FLEXCUBE allows you to calculate the Annual Percentage Yield APY on customer accounts and display the APY on account statements so as to enable your customer to compare interest rates offered by different banks In order to enable
31. 0 000 and a floating rate code is associated with TD1 TD1 is linked to OD1 for 30 000 If 95 of TD1 can be linked to limits then 17500 will be available for linkages TD1 can be linked again to another account OD2 for a maximum of 17500 When TD1 is rolled over automatically the new rate will be applied to both the accounts OD1 and OD2 The account can be linked to a limit line to track the utilization The limit line should be linked to only one account If a limit line is linked to more than one account the utilization cannot be tracked at the account level Based on the OD Limit Maintenance a table will be populated with the details of the slab wise amount and OD rates UDEs should be defined at the IC rule for each of the slabs and rates The UDEs will be ODSLAB 1 ODSLAB 2 ODSLAB_3 ODSLAB_ 30 for the slab details and ODRATE_1 ODRATE 2 ODRATE_3 ODRATE_30 for the rates Non booked ODSLAB_1 ODRATE_1 ODSLAB 2 ODSLAB_1 ODRATE 2 ODSLAB 3 ODSLAB_2 ODRATE_3 ODSLAB 4 ODSLAB_3 ODRATE_4 ODSLAB_5 ODSLAB_4 ODRATE_5 ODSLAB 6 ODSLAB 5 ODRATE_6 100 DAYS YEAR Non booked ODSLAB_7 ODSLAB 6 ODRATE_7 ODSLAB 8 ODSLAB 7 ODRATE 8 ODSLAB 9 ODSLAB 8 ODRATE 9 ODSLAB 10 ODSLAB 9 ODRATE 10 ODSLAB 11 ODSLAB 10 ODRATE 11 ODSLAB 12 ODSLAB 11 ODRATE 12 100 DAYS YEAR Non booked ODSLAB 13 ODSLAB_ 12 ODRATE_13 ODSLAB_ 14 ODSLAB 13 ODRATE 14 ODSLAB 15
32. 11 2 2 Maintaining Instrument Types for Outward Clearing Cheques srrrrrnvrrnnnnnnnrnrnvnnnrrrrrrnnrarsrnssrnnsssne 11 2 11 3 MAINTAINING INSTRUMENT TYPES FOR OTHER BANKS cccceeeeessssseceeeeeeeeeesaeeeeeeeeeeessaaeeeeeeeeeeesaaaees 11 3 11 4 ENTERING INSTRUMENTS TRANSACTIONS see 11 4 TENNE 11 8 DB We EE 81 gO OLD LSA Ve REE EEE NE NE 11 8 TN ae Re eee ee emer ee eee ea ee ee 11 9 Illaa Charees Tor e SA ERE EEE EEEE ERER 11 9 11 4 5 Processing Outward Clearing Instruments rrrrrrrrrrnrnnnnnnnnnnrnrnnnnnrnrnnrnnnrrnnnnnnnsnnnnnsrnnnnnnnnnsssnnsssnne 11 10 11 5 EXEMPTING TAX ON INTEREST EARNED ON DEPOSIT ACCOUNTS cccceeeeseesneeeeeeeeesesneeeeeeeeeeesanees 11 10 12 ANNUAL PERCENTAGE YIELD FOR CASA ACCOUNT S sssssssssssssssssssnnnnnnnnnnnnnnnenesesessssnnnssnnnnnnneee 12 1 I TN 12 1 IT VENT 12 1 13 INSTRUMENT TYPE MAINTENANCE AND CONSOLIDATED CHEQUE PRINTING 13 1 B L NN 13 1 SLT eee TV vvs 13 1 13 1 2 Viewing the Cheque Leaf Number and VAN ccvcheseseusctianinisecesctesitiantiedideseuaatine stenedteatsanakebesanscentean ines 13 3 ldo Deme Chegu DEE Ea EE E E EEE 13 4 EEE SE NO EEE E E E A E 13 5 13 1 5 Associating an Instrument Type with a Settlement Instruction c e 13 5 EA PET OG VITA OTO EEE SA 13 6 13 2 MANUAL PROCESSING FOR UNCOLLECTED FUNDS scsssscasccacodorencacntsestnalonenanescucvono eeeeescnteedasstorgnaaeseecnesones 13 10 153 INTRADAY RELEASE OF UNCOLLEC TED FUNDS spennende 13 13 1
33. 1112 100005 CUS100CHA 100006 CUS103CUS 100007 CUS103CUS 100008 CUS103CUS 100009 CUS101CUS 100010 CUS100CUS 100011 CUS100CUS 100012 CUS100CHA 100013 CUS100CHA 100014 Records per page 15 v TT of 13 b bi Currency Facility Identifier Liability Number Payable Bal USD 0000001 1110001 1111118 1111112 CUS100CHA 1111112 CUS100CHA CUS103CUS CUS103CUS CUS103CUS CUS101CUS CUS100CUS CUS100CUS CUS100CHA CUS100CHA 1042743 22 0 1000 0 1400 0 5000 0 Go to Page Uncoll Funds Uncoll Funds I o O0 0D 0 0D 0 0 0D D 0O D OD D Od D You can view the following information in this screen e Customer Number e Account Branch e Account Number e Account Currency e Facility Identifier e Line ID e Liability Number e Payable Balance This is the available balance after taking limits into account This is the sum of the temporary overdraft and the minimum of the available amount for the line and the sub limit e Uncollected Funds the funds which are pending collection on the customer account e Uncollected Funds Limit 13 14 ORACLE e Withdrawable Uncollected Funds this is the uncollected funds that will be released either today or with a value date lesser than today This is determined by your specification for the Withdrawable Uncollected Funds Basis at the branch level subject to uncollected funds limit at the account level 3 If for a branch you have specified
34. 3 3 1 Querying for Details on Overdrawn ACCOUNTS cccccccce cece aaa aaa aa aaa aaa aaa eae 13 14 14 LINKING OVERDRAFT INTEREST RATES TO THE LINKED TD RATES eee 14 1 e A E LEa E er 14 1 14 2 MAINTAINING DETAILS OF TDS LINKED TO OD ACCOUNT eornorrvnnnnvvennnnrrnnnnnevennnnnrrnnnnnsvennnnnrnnnnnssennnnnrsnnsee 14 LEZ FVOCESSINO TID Nedenes 14 3 EEE PR Daa TOSO OS a EE E E E eT ee aera eee rere eee ee eer eee rae 14 9 VENN 14 10 14 3 INTERFACE CLEARING DETA Subsea ass aE anaE 14 12 15 GEOSSARY aena E E E E E E O E 15 1 Et AORE N TT N a E E E E E E aoe 15 1 16 REPORTS ee 16 1 Ne 16 1 16 2 CHEQUE BOOK DETAILS REPORT cccccseccsscccscccsccescccscceusccusccessceusceusscecceusseusscusccesseusceuceecseusceusceuees 16 1 ETNE 16 3 ORACLE 4 About this Manual 4 1 Introduction This manual is designed to help you quickly get acquainted with the Current and Savings Account sub module of Oracle FLEXCUBE It provides an overview to the module and provides information on using the Current and Savings Account sub module of Oracle FLEXCUBE Besides this User Manual you can find answers to specific features and procedures in the Online Help which can be invoked by choosing Help Contents from the Help Menu of the software You can further obtain information specific to a particular field by placing the cursor on the relevant field and striking lt F1 gt on the keyboard 4 2 Audience This manual is intended for the
35. ATE 2 100 DAYS YEAR ODSLAB 3 ODSLAB 2 ODRATE 3 100 DAYS YEAR LEAST DLY DR BAL M TOTAL LINK AMT ODSLAB 3 YODRATE 4 100 DAYS YEAR DLY DR BAL M gt 0 AND ODSLAB 5 gt 0 AND DLY DR BAL M gt ODSLAB 4 AND DLY DR BAL M lt Condition5 ODSLAB 5 ODSLAB 1 ODRATE 1 100 DAYS YEAR ODSLAB 2 ODSLAB 1 ODRATE 2 100 DAYS YEAR ODSLAB 3 ODSLAB 2 Result ODRATE_3 100 DAYS YEAR ODSLAB 4 SEE ODSLAB 5 ODRATE 4 100 DAYS YEAR LEAST DLY DR BAL M TOTAL LINK AMT 14 6 ORACLE ODSLAB_5 ODRATE 5 100 DAYS YEAR DLY_DR_BAL_M gt 0 AND ODSLAB 6 gt 0 AND DLY DR BAL M gt ODSLAB_5 AND DLY DR BAL M lt ODSLAB 6 Condition6 ODSLAB_1 ODRATE_1 100 DAYS YEAR ODSLAB 2 ODSLAB 1 ODRATE_2 100 DAYS YEAR ODSLAB 3 ODSLAB 2 ODRATE 3 100 DAYS YEAR ODSLAB 4 ODSLAB 3 ODRATE_4 100 DAYS YEAR ODSLAB_5 ODSLAB 4 ODRATE_5 100 DAYS YEAR LEAST DLY DR BAL M Result TOTAL LINK AMT ODSLAB 6 YODRATE 6 100 DAYS YEAR DLY_DR_BAL_M gt 0 AND ODSLAB 7 gt 0 AND DLY DR BAL M gt ODSLAB 6 AND DLY DR BAL M lt Condition7 le Formula1 LEAST DLY DR BAL M TOTAL LINK AMT ODSLAB 7 YODRATE 7 100 DAYS YEAR Similarly rest of the conditions can be maintained Formula Condition DLY DR BAL M gt 0 AND DLY DR BAL M TOTAL LINK AMT gt 0 Result DLY DR BAL M TOTAL LINK AMT Rate 100 DAYS YEAR 14 7 ORACLE Consider an OD Account ACC1 linked to T
36. Charges tab in the main Instruments Transaction Query screen to view the charges 3 Instruments Transaction Query Web Page Dialog TRANSACTION DETAILS CHARGES Charge Account P Charge Branch Charge General Ledger MIS Clearing Accounting Entries l Authorized The following details are displayed in this screen based on the ARC record for the instrument branch and currency chosen for the transaction e The charge account typically the income account specified in the charges section of the ARC Maintenance e The details of the charge such as currency and the transaction code used to post charge entries and whether netting is required The amount of the charge is computed by the system and displayed You can choose to alter the charge amount here ORACLE 11 4 3 Liquidating the Drafts You can liquidate the drafts issued at any branch and payable at your branch You can invoke the Instruments Transaction Query screen by typing DDDQUERY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 3 Instruments Transaction Query Web Page Dialog Instrument Date Instrument Currency Remitter Remitter Account Branch Reissue Remarks Demand Draft MICR No Instrument Amount Expiry Date SSN Exchange Rate Reference Number IT Tanked Transaction IT Reissued User Reference Number Beneficiary Additional Identifier Details Name
37. Current and Savings Account Version 1 0 INT1425 ORACLE FCUBSV UM 11 0 IN 1 0 0 0 November 2010 Oracle Part Number E51713 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG pe Created on October 01 2008 Revision No Final TF Updated by Documentation Team Reviewed by Approved by Software Quality Development Testing teams Assurance Team Updated on November 12 2010 Reviewed on November 12 Approved on November 12 2010 2010 ORACLE Current and Savings Account Table of Contents ABOUT TRIS MANNA vekene 4 1 4 1 TINE ROD ON EE RE EEE 4 1 Pe OUI a pc E E E N E E E O E E A A E E E E 4 1 RENN 4 1 EE SEG ON EE EEE EEE 4 2 MT kr 4 3 De CAN AN OVERVIEW semen 5 1 5 1 MRI 1 POE PEE E N A ee 5 1 ILA VIT 5 2 ll VITNE 5 2 6 MAINTAINING CHEQUE BOOK DETAILS esssovvssssssvveesesssnnnennnnnnnnnnssssvvveeeesennnnnnnnnnnnnnnsnsssseeeeesnnnnnnnnnnnnne 6 1 6 1 NR IN Greene 6 1 6 1 1 Maintaining Cheque Book Details rrrrrrrrnrnnnnnnnnnonnnnnnonnnonnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnne 6 1 6 1 2 Defining Cheque Book Deialsuasmanssnamenned eek je ekvbkedsettvjudvibedtnlshit 6 2 6 1 3 Viewing the Status of a Cheque ses sssisg wae iste ttt catia tiisatatoainda leaden baladidch site balalasndaliedtalactalathchatabasiaiacs 6 4 6 1 4 Viewing Details of a Cheque and changing its Status oorrrrrrnrnrnnnnnnnonnonnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn
38. D1 and TD2 from 01 Aug 2009 Amount for TD1 10000 Deposit Rate for TD1 5 Interest Variance for TD1 3 Amount for TD2 15000 Deposit Rate for TD2 6 Interest Variance for TD2 3 The order of linkage is TD1 and then TD2 Total amount of 25000 is available for the account The account balance is 18000 The interest rate is 8 for the OD amount 0 10000 The interest rate is 9 for the OD amount 10001 18000 ACC_NO BR_COD SLAB_AMT ODRATE SLABNO ACC1 BR1 1 Aug 09 10000 og ACC1 BR1 1 Aug 09 25000 The interest will be computed as 10000 8 100 days year 8000 9 100 days year Here ODSLAB 1 is 10000 ODSLAB 2 is 25000 ODRATE 1 is 8 and ODRATE 2 is 9 Values for all the other UDEs mentioned above will be zero The rate is changed on 15 Aug 2009 to 4 for TD1 and 5 for TD2 14 8 ORACLE The interest computed from 15 Aug 2009 will be 10000 7 100 days year 8000 8 100 days year 14 2 2 Back Dated Transactions Assume that for the above account a backdated debit of 5000 is passed to the account on 20 Aug 09 with the value date of 10 Aug 2009 The interest computation will be as given below a From 01 Aug 2009 to 09 Aug 2009 10000 8 100 days year 8000 9 100 days year b From 10 Aug 2009 to 15 Aug 2009 10000 8 100 days year 13000 9 100 days year c From 15 Aug 2009 10000 7 100 days year 13000 8 100 days year 14 9 ORACLE 14
39. E 13 1 6 M1110 and MT111 Generation MT110 and MT111 will be generated from Instruments module e MT110 is generated whenever a foreign currency draft is issued from Instruments module and the message is sent to the bank on which the draft is drawn e MT111 is generated whenever a foreign currency draft is marked for stop payment and is sent to the bank where the draft is payable Processing MT110 and MT111 Message type DD ISSUE will be used to generate MT 110 and DD STOP PMNIT for MT111 You can link these message types to products in the DD status maintenance In the DD status maintenance these message types will be input across the INIT and the STOP statuses If DD ISSUE is linked to an INIT product the existing message DEMDRAFT also will get printed along with MT 110 Since this messages are going to be generated only for DD s issued in currencies other that USD and CAD separate instrument type has to be maintained for issuing DD s in other currency This is because the message and product linkage is in the DD status maintenance The receiver of the message will be the BIC code for the customer of the NOSTRO account Credit Account The receiver will be obtained in the following way e The credit account specified as the DAO account would be picked as the receiver The offset account is credited along with the debit of remitter account e A DAO account needs to be maintained in the Teller gt Demand draft details for each bank branc
40. IQD APY calculation includes the interest accrued till the current statement date For such cases you must maintain the APY basis as ACCR APY calculation includes the interest accrued till the current statement date For such cases you must maintain the liquidation frequency APY basis as ACCR Deposit Certificate Printing You can have deposit certificates displaying the computed APY printed either as part of the EOD process or ad hoc printed from the menu Outgoing Message CERTIFICATE OF DEPOSIT DATE 31 DEC 2000 REFERENCE NUMBER ROD frrtm090 AMERICAN BANK MAIN BRANCH WE ACCEPT FROM regulation dd customer 25 mg road opp brigade road bangalore A DEPOSIT OF 20000 GBP MATURING ON 31 JAN 2001 ANNUAL PERCENTAGE YEILD 15 AS FOLLOWS APY RETM 10 547 FOR AMERICAN BANK MAIN BRANCH Page i of i P edtedversian Example for APY computation Your pays 30 37 in interest on a 1 000 six month certificate of deposit where the six month period used by your bank contains 182 days the annual percentage yield would be APY 100 1 30 37 1 000 M365 182 1 6 18 12 2 ORACLE To ensure the APY computation in the system you must 1 2 Define interest formula say FORMULA1 Define a system defined element SDE for Balance Define a SDE for Days number of days in the period say DAYS Define a SDE for number of days in year say YEAR Define a non booked formula FORMULA2 as 1 FORM
41. ODSLAB 14 ODRATE 15 ODSLAB 16 14 4 ORACLE ODSLAB 15 ODRATE_16 ODSLAB 17 ODSLAB_ 16 ODRATE_17 ODSLAB 18 ODSLAB 17 ODRATE_18 100 DAYS YEAR Non booked ODSLAB 19 ODSLAB 18 ODRATE_19 ODSLAB_20 ODSLAB 19 ODRATE_20 ODSLAB 21 ODSLAB 20 ODRATE 21 ODSLAB 22 ODSLAB 21 ODRATE_22 ODSLAB_23 ODSLAB 22 ODRATE_23 ODSLAB 24 ODSLAB 23 ODRATE 24 100 DAYS YEAR ODSLAB 25 ODSLAB_ 24 ODRATE_25 ODSLAB 26 ODSLAB 25 ODRATE_26 ODSLAB_27 ODSLAB_26 ODRATE_ 27 ODSLAB_28 ODSLAB _27 ODRATE 28 ODSLAB_29 ODSLAB 28 ODRATE_29 DAYS YEAR Condition1 DLY DR BAL M gt 0 AND ODSLAB 1 gt 0 AND DLY DR BAL M lt ODSLAB 1 DLY DR BAL M ODRATE 1 100 Result DAYS YEAR Condition2 ODSLAB 2 gt 0 AND DLY DR BAL M gt ODSLAB 1 AND DLY DR BAL M mesut lt ODSLAB 2 14 5 ORACLE ODSLAB 1 ODRATE_1 100 DAYS YEAR LEAST DLY_DR_BAL_M TOTAL LINK AMT ODSLAB 1y ODRATE 2 100 DAYS YEAR DLY DR BAL M gt 0 AND ODSLAB 3 gt 0 AND DLY DR BAL M gt ODSLAB 2 AND Condition3 DLY DR BAL M lt ODSLAB 3 ODSLAB 1 ODRATE 1 100 DAYS YEAR ODSLAB 2 ODSLAB 1 ODRATE 2 100 Result DAYS YEAR LEAST DLY DR BAL M TOTAL LINK AMT ODSLAB 2 YODRATE 3 100 DAYS YEAR DLY_DR_BAL_M gt 0 AND ODSLAB 4 gt 0ANDDLY D R BAL M gt ODSLAB 3 annA AND DLY DR BAL M Condition4 lt ODSLAB 4 ODSLAB 1 ODRATE 1 100 DAYS YEAR ODSLAB 2 ODSLAB 1 ODR
42. R3 HEC STATEMENT OF ACCOUNT FOR ACCOUNTNO 9 2 ORACLE PERIOD OF STATEMENT FROMDATE TODATE PAGE pg HIF ASOFDT_ COPY AS OF ASOFDT HENDIF HSC _CUSTNO_ _CUSTNAME _ _ADDRESSONE _ _ADDRESSTWO_ ADDRESSTHREE ADDRESSFOUR _ HEC DESCRIPTION REFERENCE DATE AMOUNT HEH PH DESCRIPTION REFERENCE DATE AMOUNT EH B LOOP HIF OPENBALANCE AND _TRNCODEDESC_ ORACLE Opening Balance OPENDATE __ OPENBALANCE_ Il ENDIF _PREVDATE_ HIF TRNCODEDESC and_PREVDATE_ A TRNCODEDESC _TRNREFNO_ BOOKDATE AMOUNT HENDIF HIF ADDLINFO ADDLINFO DUMMY HENDIF HENDLOOP EB RF CLOSING DRC _ BALANCE CLOSEBALANCE _B_ AVAILABLE BALANCE _AVLBALANCE2__B_ HIF UNCOLBALANCE2 _ UNCOLLECTED BALANCE UNCOLBALANCE2 _B_ BLOCKED BALANCE _BLOCKEDBALANCE2_ B ENDIF ND DEBITS _DEBITVALUE_ B NC CREDITS _CREDITVALUE_ B UNAUTH ENTRY R REVERSAL HEF ORACLE 9 2 1 2 SWIFT You need to maintain details as shown in the screen below J Advice Format Maintenance Formal Skri Language Ei Form Type O Module Message Type CI FTE mt gac Input By OFSSSEMAKS Authorized By DFSSSEAUTH3 Format Text Specify the following format HB LOOP LINE HENDLOOP EB Webpape Dialog Branch Currency Product AL Date Tene 30 Mar 07 191304 Vedification Humber 10 Date Time 30 Nov 07 19 14 25 har Authored E open ORACLE 9 2 2 Maintaining Account Class Details
43. SA to which you have access rights will be displayed in an adjoining box Select the appropriate function and click on it to activate that function table 5 1 ORACLE 5 1 1 Major Features There are three major features this system provides e A service which returns the status of the Cheque e A service which updates the status of the Cheque e A service which will process initiation and expiry of stop payment instructions and amount blocks 5 1 2 Major Functions The major functions which the system provides are the following Maintenance It provides for maintenance of Cheque books issued for a customer account with a provision to track and update the status of each Cheque leaf in the book Maintenance of stop payment instructions issued by customers based on either Cheque numbers or the amount for which the Cheque or Cheques were issued A facility to maintain amount blocks on customer accounts Processing Whenever a Cheque based transaction is initiated the system will alert the user about the status of the Cheque In case of a stop payment instruction enforced against that account number the system will verify whether the details of the Cheque and the stop payment instructions match It will warn the user accordingly and ask for an override In case of amount blocks the system takes care of the minimum balance to be maintained in the account while monitoring Limits Two types of reports can be generated Details
44. ULAT Balance Define a non booked formula FORMULA3 as YEAR DAYS Define a non booked formula FORMULA4 as FORMULA2 FORMULA3 Define a non booked formula FORMULAS as 100 FORMULA4 1 which will be the computed APY If rounding is required specify rounding at formula level In the Regulation Parameters Maintenance screen specify PROD RULE FORMULAS as APY type 12 3 ORACLE 13 Instrument Type Maintenance and Consolidated Cheque Printing 13 1 Introduction Your bank may issue Cheques to customers from the nostro accounts maintained with other banks To facilitate this you need to maintain the details of all the Cheque books issued by those banks institutions to your bank in Oracle FLEXCUBE Apart from these your bank would be issuing other instruments such as Drafts DDs MCKs and so forth which also need to be maintained in Oracle FLEXCUBE Each instrument type is identified by a unique instrument type code which can be captured in Oracle FLEXCUBE Further depending on the number of leaves and the book number the system automatically generates the serial number for all the Cheque leaves associated with the book for a particular instrument type You can view these numbers and the status of the Cheque s in the Status of Cheque screen You are also allowed to change the status of a Cheque if a Cheque is cancelled You can settle a contract by associating an instrument type example Cheque s drawn on nostro accounts DD
45. ade the required mandatory entries and having saved your work your user ID will be displayed at the Made By field at the bottom of the screen the Date and the Time at which you saved the product will be populated Another user with the requisite rights should authorize any operation that you perform before the End of Day process is executed for the day ORACLE 9 Generating Account Statements 9 1 Introduction An account statement is the record of transactions and their effect on account balances over a specified period of time for a given account An account statement lists the debits and credits that have taken place over a time period A detailed statement gives minute details of the transactions that have occurred on a given account including the order of details ultimate beneficiary payment method etc On the other hand a summary statement shows all transactions but gives only limited details of individual transactions like the reference number date and the amount with a debit credit indicator SWIFT account statements are statements generated for NOSTRO type of accounts i e for a bank type of a customer MT940 is generated for an account with its primary statement as detailed and a MT950 is generated for an account with its primary statement as summary 9 2 Maintaining Statement Preferences You need to maintain a basic set up at the following levels to generate account statements e Advice Formats e Account Cl
46. ansaction for transactions entered from the Branch this number is obtained by the system e Branch Code This is defaulted to the current branch e The DD MICR number of the instrument this has to be entered e The instrument sequence number This is automatically generated by the system e Instrument Date The date of issue of the instrument This date is defaulted to the system date but can be changed to any future date You cannot enter back dated contracts e The Instrument amount being paid through each instrument e The currency in which the instrument amount is expressed e Payable bank specified in the instrument e Payable Branch the instrument is issued against e Remitter Specify the name of the remitter or the third party The country location of the remitter also needs to be specified The country information is captured to enable Mantas to analyze the transactions for possible money laundering activities For more details on Mantas refer Mantas interface document e The Branch Account number and currency of the account that is being debited for making the payment towards the instrument The account number is a customer account number if the payment is made by a debit to the remitter s account It is the number of a clearing account GL if payment is made through Cheque or other GL for cash payments e The Expiry Date of the instrument transaction This is defaulted as the instrument date the tenor as defined
47. any transactions whose available date falls between the application date and specified To Date can be released e Specify a new available date for a credit transaction e Authorize any previous release of uncollected funds for a transaction e View any credit transactions for which manual release has been specified or a float period has been specified or in respect of which funds have been previously released and the release is pending authorization The operation you select here is used both to retrieve the transaction in this screen and for application of the operation when you select a transaction from the retrieved transaction list Once a record is released the system internally stores the user ID of the person who released the funds along with the release time 13 11 ORACLE 13 2 1 2 Retrieving a Transaction To perform any of these operations on a credit transaction you must first retrieve the transaction in this screen To do so you can employ any of the following means e Select the operation you want to perform by selecting the appropriate radio button in the Fund Selection section e Select the release option either Automatic or Manual in the Option section If you specify an automatic release option specify a To Date 13 2 1 3 Using the Amount Details Section Alternatively you can also choose to retrieve transactions of a particular customer related to a particular customer account or a particular release status
48. applicable to this stop payment It could be the purpose for which it has been enforced 8 1 2 Maintaining Stop Payment Instructions Any number of stop payment instructions can be maintained for an account With each stop payment instruction enforced on an account the system displays the stop payment number This number denotes the number of the current stop payment records being maintained for this account For maintaining details of stop payment instruction the following parameters need to be maintained Account Number Specify the account number of the account for which you wish to enforce a stop payment The adjoining option list displays the list of account numbers maintained Highlight the customer s account number for whom you are entering details Stop Payment type This is either an amount or a cheque on which the Stop Payment instruction is based If the instruction is cheque based the customer would give you the number of that Cheque If the instruction pertains to a range of Cheques the customer would give you the number of the first Cheque and the last Cheque in the range Start Cheque Number This is the first cheque of the range If the instruction is specified for a range of Cheques the number of the first and the last Cheque of the range should be specified by the customer If the instruction is to withhold payment for one Cheque alone enter the same Cheque number in both the start Cheque number and the
49. ass e Message Type e Customer Address e Batch EOD Inputs 9 2 1 Specifying Format of Account Statements Oracle FLEXCUBE offers you a format on the basis of which you can maintain a layout for account statements to be generated The maintenance form shown below offers you the flexibility of maintaining format details like the lines per page and columns per page according to your requirements as also to maintain the tags required for populating the details The system generates account statements including ad hoc account statements according to the maintenance provided by you You can invoke the Advice Format Maintenance screen by typing MSDADVFT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button You need to maintain two advice formats one for Savings accounts and the other for Nostro accounts viz ACST DETAILED and SWIFT respectively as shown below 9 1 ORACLE 9 2 1 1 ACST DETAILED You need to maintain details as shown in the screen below A Advice Format Maintenance VWebpape Dialog essoge Format Branch Currency Product C modue Message Type ALST DETALED ALL GLL BLL Bi aLL AL input By DFSSCAMAKT Date Tene 30 Mow 07 16 03 40 Modification Humber 10 BB authorized Authored By OFSSCAMAKE Date Tine 30 Mov 07 16 06 12 open Format Text Specify the following format RH HSC BRNAME __ BRADDR1 BRADDR2 BRADD
50. ault for the individual PDCs entered under that product You can view these for individual PDCs Click Accounting Entries button in the Post Dated Cheques Transaction Input screen to invoke the Accounting Entries sub screen Accounting Entries Web Page Dialog Accounting Entries E Branch Account DebittCredt Amount Tag Code Date Yale Date Currency Foreign Currency Amount Exchange M Contract Overrides C Overrides 10 1 7 Viewing ICCF Details Click the ICCF Details button in the Post Dated Cheques Transaction Input screen to invoke the ICCF Details subscreen 10 14 ORACLE F ICCF Webpage Dialog Main Wiew Details Grace Period Contract Reference Number Interest Currency Event Waiver Rate Type Maximum Rate Minimum Rate Customer Margin Grace Period Consider as Discount Interest Periods Fixed Rate Rate Code Component escription Description Floating Rate Details eset Tenor Borrow Lend Indicator The following fields are displayed here e Grace Period e Contract Reference Number e Component e Currency e Event e Rate Type e Maximum Rate e Minimum Rate e Customer Margin e Interest Periods e Fixed Rate e Rate Code e Description e Interest Amount Interest Amount Spread Acquired Interest Denominator Basis 365 Basis Minimum Spread Maximum Spread Margin Effective Interest Rate Interest Basis Rate Code Usage
51. ch where the instrument is being issued from gt The DAO account which will get credited for the instrument issued as per the currency and DAO branch gt The payable limit for the instrument issued on behalf of another bank You can set a limit for each instrument type Any instrument of this type which has denomination above this limit will be rejected by the system ORACLE 11 4Entering Instruments Transactions You can initiate instruments transactions in the Instruments Transaction Query screen You can invoke the Instruments Transaction Query screen by typing DDDQUERY in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button F britia Praveen Gere e Phi EI Derg Booties er In this screen the following details get specified for each instrument transaction that you initiate or gets initiated e The type ofthe instrument that the system will use for processing the transaction e The status of the instrument This is defaulted to Active on entering a fresh contract The status of an Active authorized contract can be changed to Cancelled Refunded Lost Stopped only by unlocking and modifying the record The status of a Lost contract can be changed to Re issue Apart from these you cannot reverse a Status The status of a contract can change to any one of the multiple options provided including Expired Liquidated from the same screen and Reissue through use of th
52. d into groups based on the common elements that they share Associating a product with a group will facilitate retrieval of information of a class of products at one stroke You can maintain Product Groups in the Product Group Definition screen invoked from the Application Browser Start Date End Date The period during which you wish the PDC product to be current you specify this by entering a Start and an End Date Remarks Exchange Rate Variance particulars for any currency conversion is involved the extent of variance that will be allowed without requiring an override the extent beyond which the transaction will not be allowed the rate code and the rate type 10 1 2 Specifying Accounting Entries and Advices for Events Click Accounting Roles button to invoke the Product Event Accounting Entries amp Advices Maintenance screen For PDCs accounting entries can be maintained for the following events e INIT Contingent entries if required are to be maintained for INIT Charges can also be linked to this event e LIQD Liquidation entries for the PDC and reversal of contingent entries are to be maintained for this event Charges can also be associated with liquidation 10 3 ORACLE e CANL Cancellation charges for the PDC can be maintained here If contingent entries have been passed the reversal entries also need to be specified here Click Accounting Roles button to invoke the Accounting Role
53. de 999 az Version Mo Account Mo 0000000000004 Date Modified 2009 07 14 Customer Mo 999000265 Query TD Deatils TO Aic No TO Adc Branch TD Avc Currency TD Amount Available Amount Linke 1015340000364 101 BOT 199 000 00 1015340000384 101 BOT 300 000 00 You need to specify the following details in this screen to search for TD records associated with the OD account 14 11 ORACLE Branch Code Specify the branch code of the OD account or select the branch code from the option list provided Account Number Specify the account number of the OD account or select the account number from the option list provided Version Number Specify the version number associated with the OD account or select the version number from the option list provided You can view the following detail on clicking the Query button e Customer number e Effective date of linkage e Details related to the linked TD accounts For other field descriptions refer section Maintaining details of TDs linked to OD Account in the same manual 14 3 Interface Clearing Details You can invoke the Interface Clearing Details screen by typing IFDCLGDT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button You can view the details of clearing transactions triggered from PDC using this screen 14 12 ORACLE Interface Cleari
54. dicate the following preferences for generating the report Report For Select the option Selected Account if you want to generate the cheque book details report for a selected account Select the option All Accounts if you want to generate reports for all accounts Account If you have selected the option Selected Account select the account for which the cheque detail report has to be generated from the adjoining option list 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 Cheque Book Details Report are discussed under the following heads Header The Header carries the title of the Report information on the branch code branch date the date and time of report generation the user ID of the user generating the report module page and the event date Body of the report The account number of the customer The description of the account Check No The Cheque leaf number The status of the cheque Amount The amount for which the cheque is issued Presented On The date on which the cheque is presented in the bank Date on The date as given on the cheque Cheque Beneficiary The name of the person in whose name the cheque is issued 16 2 ORACLE 16 3 CASA Stop Payment Report This report gives details of the stop payment details issued on a cheque You can invoke this screen by typing CARPSPMT in the
55. dividual amounts that have contributed towards the consolidated Cheque You can do a Ft upload to achieve this When the upload is run the suspense GL is debited for the consolidated amount to credit the miscellaneous GL Ft Upload Account discussed later Internally the system provides the break up of the consolidated amount 13 2 ORACLE The Ft Upload function is run after the consolidated Cheque is printed You can configure the upload function to be run as part of the EOD process Only on selection of the FT Upload option the following fields are enabled FT Upload Product You can associate an Outgoing Ft product to all the transactions that need to be uploaded When the upload function is run at EOD the system creates a corresponding Ft Contract Reference Number for each transaction and stores it internally Therefore all the uploaded contracts will be identified by the Ft Cont Ref No in addition to the original Cont Ref No If you reverse the original contract the system displays the corresponding Ft contract reference numbers also You have to reverse the Ft Contract Ref nos manually If a Cheque has already been printed you are required to cancel the Cheque manually save and authorize the cancellation and then proceed with reversal FT Upload Account This is the miscellaneous GL that is credited with the consolidated Cheque amount when an Ft upload occurs The suspense GL Account associated with the instrument type
56. e Copy option in the toolbar menu gt Reinstate Status A draft can be moved into the Reinstate status only from the Stop status This status is same as Init minus the accounting entries associated with Init A draft in stop status can be marked as Reinstated or Refunded or Re issued A draft in reinstated status cannot move directly to refund or re issue status It has to go through a STOP status like Init e A Reinstated draft can be changed to the following statuses gt Cancelled gt Refund gt Lost gt Reinstated gt Stopped ORACLE e To mark a draft as STOP it needs to be replaced The old draft details have to be copied onto a new draft The old draft number can be specified in the field Original Draft Number Upon this Oracle FLEXCUBE will first move the original instrument into Cancelled status This will reverse the draft issue entries The old draft will then be marked as Reissued which will be achieved through appropriate maintenance of the products in DD status maintenance and its accounting entries in ARC maintenance e When a draft in Stop status is copied you can Reissue it An override will ask you whether the copied draft needs to be reissued Specifying Instrument Number This number will be the least number available from unused instruments This is self populated from the instrument type maintenance and you will not be allowed to override the number e An external reference if any for the tr
57. e Youcan also do a query based on the UDFs In addition to viewing the amount block details for an account you can also define new blocks or modify the details pertaining to existing amount blocks if any You can also use this screen to mark the account for no debits You can specify the following for a new amount block e Amount for which the block has been enforced e Period for which this block should remain effective 1 2 ORACLE e Any remark applicable to this amount block It could be the purpose for which the block has been enforced 7 1 2 Maintaining Consolidated Amount Blocks If you are maintaining consolidated amount blocks for the first time for a customer account you need to select the name of the customer from the option list provided On selection of the customer all accounts maintained for the customer that are available in the current branch will be displayed in the middle section of the screen along with existing amount block details if any Select an account to view all the individual amount blocks for the selected account in the lower half of the screen To create a new amount block click add icon The sequence number for each amount block will be automatically created by the system Maintain the following parameters for the amount block Amount Specify the amount that you would like to block in the account When an amount block is set for an account the balance available for transaction would be the curre
58. ecked you have to enter the individual details of the cheque for the same clearing product and currency Bulk Input Details You can input bulk number of cheques even if it is drawn on different accounts and different amounts here Operation Select the operation from the adjoining drop down list The available options are 10 16 ORACLE e Purchase Select this option if the Activation date is current date and when selected CPUR event will be fired e Discount Select this option if the Activation date is future date and when selected the event CDIS will be fired A validation will be done for the operations while saving the PDC transaction Beneficiary Account Number Specify the account in favor of which the PDC is drawn If the customer draws a PDC on his account for depositing into another account held in your bank then you can enter the beneficiary account here The beneficiary account can either be a valid customer account or a valid GL Instrument Number Specify the PDC number If PDC type is External this number should be unique for the given clearing branch amp bank Amount Specify the amount of the PDC Account Number Specify the loan account number linked to the PDC The adjoining option list displays all valid account numbers maintained in CL MO and LE modules of Oracle FLEXCUBE You can choose the appropriate one For this loan account if the customer pays an advance instalment or makes an early
59. ed 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
60. entage Yield APY on customer accounts is processed in Oracle FLEXCUBE Chapter 10 nstrument Type Maintenance amp Consolidated Cheque Printing explains how codes for different instrument types are maintained Chapter 11 Glossary gives a list of important terms used in the manual Chapter 12 Reports gives the list of reports that can be generated for this module in Oracle FLEXCUBE 4 4 Glossary of Icons This User Manual may refer to all or some of the following icons ei alee s p EP p lie aa fe Me L ORACLE Liquidate Sign off Refer the Procedures User Manual for further details about the icons 4 5 Related Documents e The Procedures User Manual e The Settlements User Manual ORACLE 5 CASA An Overview 5 1 Introduction Current Account and Savings Account commonly referred to as CASA is one of the modular sub systems in the Oracle FLEXCUBE system Through this system your bank can execute the following functions e Capture details of a Cheque book issued to a customer e For each Cheque book the details of which you have maintained the system generates a status matrix This matrix stores the status of each leaf of the Cheque book When no transaction has taken place the status of the Cheque is stored as unused Whenever a Cheque based transaction is initiated by Funds Transfer or Data Entry modules the status of this Cheque moves from unused to used in this
61. er the chapter titled Automated End of Cycle Operations in the Automated End of Day User Manual Given below is a sample account statement 9 10 ORACLE Sample account statement BANK FUTURA ACCOUNT STMT 1 BANK FUTURA ACCOUNT STMT addri BANK FUTURA ACCOUNT STMT addr2 BANK FUTURA ACCOUNT STMT addr3 QO0005 0J DEC U7 STATEMENT OF ACCOUNT FOR PERIOD OF STATEMENT COPY AS OF 26 DEC O AC1000184 CLRI ABNANLO 30 DESCRIPTION O3 DEC O Opening Balance 03 DEC 07 CREDIT MISCELLENTOUS 07 DEC 07 INTERNAL FUND TRANSFER INTERNAL FUND TRANSFER By Order Of Details 000005 Ultimate Beneficiary DEUTDEFF302 Transaction Description INIT 2 ACLTOO2Z10 34 0001 O3 DEC OF ACLIFTINO 3410003 Of DEC OF ACIFTINO 3410003 07 DEC O 29 DEC OF CREDIT ACTOOZ2207 3590001 25 DEC O7 MISCELLENTOUS CLOSING CREDIT BALANCE 3 995 00 UNCOLLECTED BALANCE 0 00 2 DEBITS 2 CREDITS LO UNAUTH ENTRY R REVERSAL 9 11 3 DEC 07 PAGE 1 10000 00 GP seres 100 00 BE 10000 Er AVAILABLE BALANCE 9 995 000 BLOCKED BALANCE 0 00 105 00 100 00 ORACLE 10 Processing Post Dated Cheques 10 1 Introduction Oracle FLEXCUBE supports processing of post dated Cheques PDCs both at Branch and Host levels PDCs have four events in their life cycle e Booking Entry of PDCs where details of the PDC are entered in Oracle FLEXCUBE e Initiation of PDCs where the PDC is authorized and becomes active
62. eration Charges Accounting Entries Cancel mis ICCF Input By Date Time Authorized By Date Time Limits Tracking Contract Status E Authorized In this screen enter the following details Transaction Reference Number Specify the Transaction Reference Number of the post dated cheque The system will display all the details for the transaction you have selected You cannot change any of these details Move funds to be collected Check this box to trigger the realization of funds to customer account manually You will be allowed to check this box only when the funds are not in collected stage and when the cheque status is not rejected Checking this field in any other scenarios will throw an error while saving Also if you enter the fields instrument number frequency no of entries for a bulk input where the check in series box is not selected an error will be thrown while saving Click Realize to manually initiate the liquidation of the selected PDC 10 1 13 Events and Accounting Roles For the Booking of Cheque Discounting an event CDIS is triggered and for booking of Cheque Purchase an event CPUR is triggered 10 20 ORACLE An event PULL will be triggered for pullback processing When the customer opts for pullback of the cheque the cheque transaction will be cancelled and pullback charges are applied The Reverse operation can be used to perform the pullback process 10 1 13 1 Discounted che
63. field at the top right corner of the Application tool bar and clicking on the adjoining arrow button CASA Stop Payment Report Options Web Pape Dialog Report For Al Accounts C Selected Accounts Selection Options You can indicate the following preferences for generating the report Report For Select the option Selected Account if you want to generate the cheque book details report for a selected account Select the option All Accounts if you want to generate reports for all accounts Account If you have selected the option Selected Account select the account for which the cheque detail report has to be generated from the adjoining option list 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 Stop Payment Report are discussed under the following heads Header The Header carries the title of the Report information on the branch code branch date the date and time of report generation the user ID of the user generating the report module page and the event date 16 3 ORACLE Body of the report The account number of the customer The description of the account Stop Payment The stop payment instruction number No Type The stop payment can be issued either on an amount or on cheque s Start Check The starting cheque leaf number No End Cheque The ending cheque leaf number No The a
64. following User User Roles Back office clerk Input functions for contracts 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 Managers Generation of reports 4 3 Organization This manual is organized into the following chapters Chapter 1 About this Manual gives information on the intended audience It also lists the various chapters covered in this User Manual Chapter 2 CASA an Overview is a snapshot of the features that the module provides Chapter 3 Maintaining Cheque Book Details gives information pertaining to the maintenance of Cheque books issued to customers Chapter 4 Maintaining Amount Blocks gives details on maintaining amount blocks placed on customer accounts Chapter 5 Maintaining Stop Payment Details explains how you maintain details of stop payment instructions on Cheques issued by customers Chapter 6 Processing Post Dated Cheques describes how Oracle FLEXCUBE processes 4 1 ORACLE ee post dated Cheques Chapter 7 Generating Account Statement explains the maintenances for account statement generation Chapter 8 Instrument Details explains how the reference information needed for entry of instrument based transactions in the Oracle FLEXCUBE Branch system can be maintained Chapter 9 Annual Percentage Yield for CASA accounts explains how Annual Perc
65. formed the cheque status will be Pullback 10 1 4 3 Interest Computation Dates Select the appropriate dates for interest computation from the adjoining list From date Select the date from which the interest computation has to start from the adjoining calendar button These details are allowed only for the CDIS CPUR event To date Select the date till which the interest should be collected for discount from the adjoining calendar button It is arrived by adding the days from the date of discounting till the activation date number of float days of customer value date defined in the ARC maintenance for the clearing product defined for a PDC product 10 1 4 4 Charge Payable Details You need to enter the following details for the processing of charges for the PDC Charge Branch Select the branch in which the charge payable account is maintained Status Indicate the current status of the PDC by selecting from the following values e U Unprocessed e A Active Initiated e V Reversed e L Liquidated e C Cancelled Charge Account Number The account which is to be debited for the charge this is necessary for passing accounting entries for the charge calculated for any of the events associated with a PDC 10 11 ORACLE Purpose You have the option of specifying the purpose for which the PDC is issued This is for information only Currency The currency in which the charge should be calculated Acti
66. h currency combination e The related customer of the credit account thus obtained will be determined e The Swift address BIC code for the customer will be obtained from the customer address BIC directory MT 110 and MT 111 generated will not have any funding advice The fields 53A and 54A will not be populated for these messages The population of the tags of MT 110 and MT 111 will be as follows MT110 The receiver of MT 110 will be the BIC for the customer corresponding to the Nostro a c of the Liquidation product s ARC setup 13 6 ORACLE Message Text Message Contents Transaction Reference Number 20 Contract Reference Number of the DD transaction Number of the cheque 21 Instrument Number from the DD transaction Date the cheque was issued 30 Instrument Date from DD transaction Currency and Amount of Cheque 32B Instrument Currency Instrument Amount Payee of the cheque 59 Beneficiary Name M1111 The receiver of the MT111 will be the BIC for the customer corresponding to the Nostro a c of the liquidation product s ARC setup 13 1 6 1 Mapping between Common Payment Gateway Fields and Instruments The following table gives the mapping between the common payment gateway fields and the fields supported by Instruments This mapping is maintained in the system using the message type product category product mapping screen 13 7 ORACLE Not mapped Generated upon upload By Order Of 5 Columns
67. he concerned Cheque number record by using the arrow buttons on the toolbar or the lt down arrow gt key of your keyboard You can also invoke the Cheque details by inputting the Cheque number the details of which you want to view The Amount Beneficiary Presented On Date on Cheque are populated from the concerned module from where the Cheque transaction took place You can change any of the details ORACLE In this screen the following details are updated from the front end modules Data Entry and Funds Transfer for a Cheque issued to a customer e Amount for which the Cheque is drawn e Status of the Cheque e Date on which the Cheque was presented for encashment To modify a status detail select Modify from the Actions Menu in the Application toolbar or click unlock icon Make the desired changes Remember the following points while modifying e A used status cannot be changed e A stop status Cheque cannot be changed e Not used status can be changed to rejected canceled e A Canceled status cannot be changed e Rejected status can be changed to used A Cheque may have passed through a series of status changes The modification number moves up serially each time you change the status of a Cheque To view the status click the arrow button under Modification Number This arrow will take you through the modifications To view the modification history of a Cheque click
68. iate icon in the horizontal array of icons in this screen For a post dated Cheques product in addition to these generic attributes you can specifically define other attributes These attributes are discussed in detail in this section You can define the attributes specific to a PDC product in the PD Product Definition Main screen and the PDC Product Preferences screen In these screens you can specify the product type and set the product preferences respectively For further information on the generic attributes that you can define for a product please refer the following Oracle FLEXCUBE User Manuals e Products e Interest e Charges and Fees e Tax e User Defined Fields e Settlements In the Product Definition screen you can also enter the following 10 2 ORACLE Product Code Specify the code for the product This is a code for the specific PDC product that you are creating Product Module Select the module for the product you have specified from the option list Product Type Select the type for the product from the option list provided The first attribute that you define for a product is its type For a PDC product the product type is PD Description Select a brief description for the product from the option list provided Slogan Select a slogan or a marketing punch line for the product Product Group Select the product group to which you wish to assign the PDC product Products can be categorize
69. ification number 5 iv Open Authorized By JET11 Date Time 9 1 2008 17 29 36 WF Authorized Here you need to maintain three records with the following details ALL ACST DETAILED ACST DETAILED ALL ACST DETAILED2 ACST DETAILED ALL ACST DETAILED3 ACST DETAILED For further details refer the chapter titled Maintaining Addresses for Customer in the Messaging System User Manual 9 9 ORACLE 9 2 5 Maintaining Statement Generation Preference You can have the statement generation happen automatically as part of the automated End Of Day cycle using the Batch EOD Function Input screen You can invoke this screen by typing BADEODFN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 4 Batch EOD Function Inputs Web Page Dialog Batch End Of Day Functions Branch Function Identification Description End Of Cycle Group Report Orientation Transaction Input Not Applicable End Of Transaction Input Portrait Financial Input Landscape End of Day Beginning Of Day Function Inputs IT Parameter Data Type Value Input By Date Time Modification Number i Open Authorized By Date Time f Authorized You need to specify the following details Function Identification Specify ACSTHAND or select this value from the adjoining option list End Of Cycle Group Choose the option Transaction Input For further details ref
70. joining drop down list The available options are Purchase Select this option if the Activation date is current date and when selected CPUR event will be fired Discount Select this option if the Activation date is future date and when selected the event CDIS will be fired A validation will be done for the operations while saving the PDC transaction Amount Specify the Purchase discount amount The full amount of the PDC will be the discount amount Cheque Status Select the status of the cheque from the adjoining drop down list The available options are Normal This is a normal cheque which is not discounted purchased For this you should choose the null option Discounted This status is set to Discounted when the operation is selected as Discount Purchased This status is set to Purchased when the operation is selected as Purchase Collection When a normal cheque launched for collection Activation of PDC Collection after Discount When a Discounted cheque launched for collection Activation of PDC 10 10 ORACLE e Collection after Purchase When a Purchased cheque launched for collection Activation of PDC e Returned When the cheque is dishonored rejected the status of the PDC would be updated to Returned e Passed When the status of the funds is marked as collected the status of the PDC will be updated as Passed e Pullback When the pullback operation is per
71. llected funds must be made available before the available date In this screen you must first display the record of the transaction with uncollected funds unlock it and make funds available on the application date in the manner described above The system sets the available date for such a transaction as the application date thereby ensuring the release of funds 13 12 ORACLE 13 2 1 6 Changing the Available Date for a Transaction with uncollected Funds In the Uncollected Funds Manual Release screen you can also choose to change the available date for a transaction with uncollected funds To do this you must first display the record of the transaction with uncollected funds unlock it and specify a new available date in the Available Date field The system sets the available date for such a transaction as the new date you have specified You can only specify a future date when you are changing the available date for a transaction with uncollected funds 13 3Intra day Release of Uncollected Funds During the course of a business day you can manually release uncollected funds for transactions that have been posted using a transaction code for which the Intraday Release option has been enabled and are due for release on or before the current date You can do this by executing the Intraday Funds Release batch process in the Intraday Funds Release screen You can invoke the Intra Day Batch Start screen by typing BABIDBAT in the
72. mount for which stop payment is done Effective Dt The date from which the stop payment is effective Expiry Dt The date on which the stop payment validity will expire 16 4 ORACLE ORACLE Current and Savings Account November 2010 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 2010 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 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 Limit
73. n invoke this screen by double clicking on a record in the Status of Cheque screen Navigate to the desired Cheque book number by using the previous and next arrow buttons in the toolbar The following operations are not allowed e Creating a new record e Copying a record e Deleting a record e Reopening a record e Closing a record The Messaging Subsystem of Oracle FLEXCUBE populates the following details whenever a Cheque is printed e Amount for which the Cheque is drawn e Currency of the amount e Beneficiary of the Cheque Date for which the Cheque was issued e Date on which the Cheque was printed You cannot change any of the above details However you are allowed to change the status of a Cheque Select Modify from the Actions Menu in the Application toolbar or click unlock icon to make the changes 13 4 ORACLE The status of Cheque is modified through the Change Instrument Status screen Click Change Status To button to display this screen You will be allowed only the following status changes e A Used status to a Cancelled status e A Not Used status to a Cancelled status You cannot change the status of a Cancelled Cheque 13 1 4 FT Upload You can configure Ft upload function to be run as part of the EOD operations You can invoke the Instrument Type Maintenance screen by typing ISDINSMS in the field at the top right corner of the Application tool ba
74. ng Details Scode FCRH External Reference No FIBOT 33200000056 Branch Remitter Account Remitter Branch Routing Number Product Instrument Currency Instrument Amount Instrument Date Transaction Date E01 126 SECO1EO1000E01 CGOW GBP 1 700 00 2007 11 28 2007 11 28 Late Clearing Instrument Number Status Rejected Code Remitter Bank Beneficiary Account Beneficiary Bank Beneficiary Branch Bank Value Date Customer Value Date Advice Required End Point serial Number Contract Reference Number E01CG0OW073320006 Entry Number 1 Din Din Date Remarks e Adjust Amount Old Instrument Amount Override Stale Days Override Stop Pay Force Posting Module Reference No CG Error Codes Error Message Input By E15383M01 Date Time Authorized By Date Time u Open Modification Number 2 We Authorized For a post dated cheque clearing transaction you can select the following statuses from the dropdown list e Collection When a normal cheque launched for collection Activation of PDC e Collection after Discount When a Discounted cheque launched for collection Activation of PDC e Collection after Purchase When a Purchased cheque launched for collection Activation of PDC e Returned When the cheque is dishonored rejected the status of the PDC would be updated to Returned e Passed When the status of the funds is marked as collected
75. nnnnnnnr 6 5 6 1 5 VEPS 6 5 Te MAINTAINING AMOUNT BLOCKS used 7 1 7 1 DEFRO AMOUNT BLOC sce pce stents ster EE EE EE tases tateeceacaus 7 1 7 1 1 Maintaining Consolidated Amount Block Details rrrrrrnrnnnnnnnnnnnnnnnnnnnonnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnr 7 1 AV Maintaining Consolidated Amount Blocks rrrrrrrrnnnnnnnnnnnnnrrnnrnornnrrnrnnrnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn 7 3 7 2 MAINTAINING CUSTOMER LEVEL STATUS CHANGE sssssssesessssssrresessssstreeesssessreeessssseseeeessssssrereessssesereeess 7 4 8 MAINTAINING STOP PAYMENT DETAILS ecccccccccccecccececececesececececesesecesecesesecececesesesecesesesesecccscssee 8 1 8 1 PARODU TION vera 8 1 8 1 1 Mainimine Slop PAYMENT Ordenssaarv4vvrdeadenree deres 5 1 8 1 2 Maintaining Stop Payment Instructions rrrrrrnnnnnnnnnnnnnnrvrrrrrrrrnnnnnnnnnnnnnnnrrrrnrrsnnrrrrssvnnnnnnnsssennnnnsnnene 8 2 9 GENERATING ACCOUNT STATEMENTS wisessescsssssccecsassssetesiassastactsreccccusvacsasseiesasascencusteccsassasctasanvesacesiuse 9 1 9 1 TINT ROD UW CHOI EE EEE EE E E E E 9 1 92 MAINTAINING STATEMENT PREFERENCES sjarme 9 1 9 2 1 Specifying Format of Account Statements rrrrrrrrrrrrrrrrnnnnrnrnrnrnrrnrrnnnrnrrrnrnrnrnrnrnrrnnsrrssnssnssnnsrsrnsnsnsnnne 9 1 9 2 2 Maintaining Account Class Details rrrrrrrnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn 9 6 9 2 3 Maintaining Message Types rrrnnnnrnrnrnvnnnnnn
76. nstruments module of Oracle FLEXCUBE provides for the maintenance of appropriate reference information which would enable entry of instrument transactions from an Oracle FLEXCUBE and also enable you to view and enrich transactions that have been entered through a Branch The accounting and charges details for combinations of product customer branch and currency that will be applicable for instruments transactions must be maintained in the host Oracle FLEXCUBE installation through the ARC Maintenance 11 2 Maintaining the Details of the Instrument As part of the instrument type maintenance you have to maintain a list of currencies branches and DAO GL for an instrument type You can invoke the Instrument Type Maintenance screen by typing DDDPRMNT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 3 Instrument Type Maintenance Web Page Dialog Instrument Type Description Preferences Expiry Frequency Auto Authorize Allow online Auth IV Instr Liquidation requires Issue Product Status a Status Product Code Message Type C P O D DAO Account a Currency DAO Branch DAO Account Payable Limit Input By DOCS Date Time Modification number iv Open Authorized By Date Time BB Authorized 11 1 ORACLE 11 2 1 1 Entering the Details In this screen you can enter certain basic details of the instrument They are e The instrument type e A desc
77. nt balance of the account minus the blocked amount Whenever a customer account is debited of an amount that exceeds the available balance in the account the system asks for an override Note that the available funds in a blocked account will always be shown to be the current balance less the amount block The Blocked Amount field in the middle section of the screen will display the sum of all the amount blocks placed on the account You can raise the blocked amount for an account On authorization the Customer Accounts table will be updated with the modified blocked amount Effective Date When defining amount blocks for an account specify the date on which the amount block comes into effect A future dated amount block comes into effect when the Beginning of Day process is executed for the day on which the amount block becomes effective Expiry Date This is the day on which the amount block expires An amount block is effective till the EOD is run on the expiry date On expiry of an amount block the block amount status in the Customer Accounts Maintenance table gets updated if no other amount block is enforced on this account The balance available for transaction is also updated Remarks Here you can enter any remark specific to this amount block For example you can capture the purpose for which a block has been affected 7 3 ORACLE No Debit When defining amount blocks you can choose to comple
78. ocesses the following types of PDCs e Own account PDCs issued against the customer s account e External PDC PDCs from other banks deposited in the customer s account e Bank issued PDC PDCs issued against the bank s Nostro accounts 10 5 ORACLE Track Drawer Limits Check this box to track the drawer limits at the PDC transaction The Drawer limits will be tracked at the PDC transaction only if this checkbox is checked Pass Contingent Cheque this box if you wish contingent entries to be passed during PDC initiation Depending on the type of PDC the following contingent entries should be defined When a customer deposits PDC into own account Accounting Role Head Amount Tag Dr Cr Indicator Contingent Asset PDC_RECEV Dr Contingent Liability PDC_RECEV_ CONTRA Cr Bank Issues PDC Accounting Role Head Amount Tag Dr Cr Indicator Contingent Asset PDC_ISSUE CONTRA Dr Contingent Liability PDC_ISSUE Cr Discount Purchase Check this box to allow discounting purchasing for the PDC instrument Discounting purchasing will be allowed for the PDC instrument only if the product is defined for this change of operation Bulk Input Allowed Cheque this box to indicate that this product can be used for bulk inputs If this box is not checked this product is available only for single online contracts Oracle FLEXCUBE supports bulk input of PDCs where a single contract is entered for multiple PDCs If you
79. ocument Identification Number Date Module Details Module Contract Status Transaction Tanked I Authorized The information you capture in this screen is required to route outward clearing transactions to the appropriate clearing house In this screen you have to capture the following information for clearing e The End Point e The Bank Code e The Branch Code as identified in the network e The Sector to which it belongs e Whether Reg CC is applicable e Whether special cheque is governed by the Reg CC schedules e Whether late clearing is required e The reason for rejection Depending on your Bank Code Branch Code and Sector Code combination the system displays the Routing Number Bank Value Date and the Customer Value Date After you maintain the above details for clearing click Exit or Cancel button to return back to the Instrument Type Details screen ORACLE 11 4 1 Viewing the Accounting Entries To view the accounting entries and overrides for the transaction click Accounting Entries button in the Instrument Type Detail screen The Accounting Entries and Overrides screen is opened Any overrides that occurred when each transaction was passed are also displayed 11 4 2 Charges for the Instrument The charges that you have specified for the instrument branch and currency combination that you have chosen for the transaction in the ARC Maintenance are applied by default Click on the
80. of all Cheques processed along with their status Details of stop payment instructions enforced against various accounts Details of records that have been purged Purge The user has the facility to purge old records which are no longer being used 5 2 ORACLE 6 Maintaining Cheque Book Details 6 1 Introduction In the Cheque book details table you can maintain details of Cheque books issued to your customers In addition you can view the status of each Cheque whether used canceled rejected or if a stop payment has been issued against it When Cheque based transactions are initiated in the Data Entry or Funds Transfer modules the system updates the amount and date of the transaction in this table If a Cheque has been canceled by the customer or has been returned unpaid by you this event can also be captured with the Stop payment table where you maintain your customers instructions for stop payment For each Cheque the system maintains a history of the Cheque status For instance a customer requests a stop payment revokes it and subsequently this Cheque is paid by you over clearing You can view the three events on this Cheque in the Cheque Details table The Cheque book details table is maintained by the individual branches 6 1 1 Maintaining Cheque Book Details You can invoke the Cheque Book Maintenance screen by typing CADCHBOO in the field at the top right corner of the Application to
81. of the instrument for the transaction These include beneficiary name and beneficiary s address It is mandatory to enter the beneficiary s name Country Specify the country of the beneficiary This adjoining option list displays all valid country codes maintained in the system You can choose the appropriate one Specifying the additional identifier details You may capture the additional identifier details This includes the Name and Value Adding a narrative You can specify an appropriate narrative for the transaction in this field This narrative is used in the account statement generated for the customer account Maintaining clearing details Click Clearing button to invoke the Clearing Transaction Input Detail screen where you can capture the details for the outward clearing instrument ORACLE Clearing Transaction Input Detail Web Page Dialog Branch Product Code Direction Reference Humber Remitter Details Customer Account Instrument Details Draft Serial Humber Instrument Routing Number Bank Code Branch Code Sector Code Date Details Transaction Date Accounting Entries Input By Date Time E T Late Clearing Authorized By Date Time Entry Number End Point External Reference Beneficiary Details Customer Account Account Details Currency Instrument Currency Instrument Amount Account Currency Amount Exchange Rate Document Identification Number D
82. ol bar and clicking on the adjoining arrow button Cheque Book Maintenance Web Page Dialog Cheque Book Details Kind of Cheque Account Mo Euro First Cheque Mo f Commercial Order Date E Check Leaves Order Details laaue Date I Include for Cheque Book Printing Fields View Cheque Status Input By DOC3 Date Time Modification number ga Open ance Authorized By Date Time El Authorized In this screen you can maintain the following details for a Cheque book issued to a customer e Customer account number e First Cheque number of the Cheque book e The total number of Cheque leaves in the book e The Kind of Cheque whether Euro or Commercial e The date on which the order was placed for the book 6 1 ORACLE e The date on which the Cheque book was issued e Any other order related detail 6 1 2 Defining Cheque Book Details The following details need to be maintained for a Cheque book Account Number Specify the account number of the customer to whom you are issuing a Cheque book in the Account Number field The adjoining option list displays all customer account numbers maintained in the system You can choose the appropriate one Highlight the customer s account number and click Ok button to select First Cheque Number When issuing a Cheque book you have to capture the number of the first leaf of the Cheque book Cheque Leaves Specify the total number of leaves in the Cheque book
83. ol bar and clicking the adjoining arrow button 3 Message Type Maintenance Webpage Dialog Swit Messages For Product Setup it Message Type Eg oe m ri MA T CORR aie BESELGE yee input By OFSSCAMARE Date Time J0 Hov D7 170403 Modification Humber 1 Authorzed By OFSSCARUTHS Date Time J0 Hov O7 17 06 14 You need to maintain eight records with details given below al mill el Type Message Type ao e arve iesto eo ae fanene restore ae perom Giese o ae peremo Giese e e enmon uoa ACST OEANED on For further details refer the chapter titled Maintaining Messaging Branch Preferences in the Messaging System User Manual ORACLE 9 2 4 Maintaining Customer Address You can invoke the Customer Address Maintenance screen by typing MSDCUSAD in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Customer Address Maintenance Web Page Dialog Customer Address Media MAIL Location CIF Language Country US Test Keyword Answerback Delivery By Add Hold Mail Text Send by E Mail Name ORDCUSTSO Address1 ORDCUST80 ADD Address2 US Address3 Address4 50F Party Details NIDNUSLOV BANK 98765 1KATE AUSTEN 2 LOST ISLAND ROAD JUS 983457 Message Address CJ Branch Report Module Message Type Number Of Copies Account Number Primary address l h Fields Input By JET11 Date Time 94 2008 17 29 32 Mod
84. ou are allowed to change it For Discounted and Purchase operations limits tracking should be checked Credit Line Select the credit lines to be used for limits tracking from the adjoining option list The credit lines maintained in the system for the customer are listed here The lines maintained for the customer is fetched by the system for the beneficiary account number and is allowed only for the CDIS CPUR operation The limit will get reduced to the extent of the cheque amount when the cheque is discounted and if it exceeds the limit attached an override will be thrown on saving 10 12 ORACLE When the PDC transaction is either reversed after liquidation or cancelled before liquidation the limit line reduced during discounting of the Cheque will get update to the extent to which it was reduced 10 1 5 Viewing Charges Parameters Charge parameters specified for a particular product default for the individual PDCs entered under that product You can view these charges for individual PDCs Click Charges button in the Post Dated Cheques Transaction Input screen to invoke the Charge Details sub screen 3 Charge Details Web Page Dialog Contract Reference Number CHOBNK1001 850001 Event Sequence Number Charge Details Component Event Rate Currency Amount Status Waiver 10 13 ORACLE 10 1 6 Viewing Accounting Entries Accounting entries and overrides specified for a particular product def
85. ou have maintained the clearing products that would be used for processing the Registration INIT and Liquidation LIQD events e Inthe Demand Drafts Details screen you must associate the statuses used for registration and liquidation with the appropriate product codes Assume you have maintained the products CGOC Registration of Outward Clearing Cheques and DDLQ Liquidation of Outward Clearing Cheques You need to associate the status INIT Registration with the product CGOC and LIQD Liquidation with the product DDLQ e The Clearing Required option has not been enabled for the product maintained for the liquidation event ORACLE 11 3 Maintaining Instrument Types for Other Banks For maintaining instruments types on behalf of other banks invoke the Banker Cheques Demand Drafts Issuer Banks Details screen from the Application Browser 11 3 1 1 Entering the Details In this screen you can enter certain basic details of the instrument They are e The Bank Code and the description of the bank e The Currency in which the instrument is being issued e The instrument type e The DAO Draft Advice Outstanding branch where the instrument is being issued from e The DAO account which will get credited for the instrument issued as per the currency and DAO branch e The parameters for the instruments issued by another bank gt The code for the branch issuing the instrument gt The description for the branch gt The DAO bran
86. que Advance Charge collection with Accrual Event CDIS Check discounted PD TAG Customer lt Interest Dr comp gt _LIQD RIA lt Interest Cr comp gt _LIQD Event PULL Check discounted PD TAG C C Income lt Interest comp gt C _LIQD Customer lt Interest comp gt _LIQD PDC_ISSUE_CONTR PD TAG PD PULLING PD CHG TAG Ca PDC ISSUE PD TAG re r Dr r r Dr Dr Cr Event RETN 10 21 ORACLE Cheque discounted lt interest comp gt _Adj Income lt interest comp gt Adj Event ACCR RIA Income lt Interest comp gt _ACCR 10 1 13 2 Discounted Advance charge collection without Accrual Event CDIS Check discounted PD TAG o Customer lt Interest comp gt _LIQD lt Interest comp gt _LIQD Event PULL Cheque discounted PD TAG E lt interest comp gt _Ref Customer lt interest comp gt _Ref ORACLE RIA lt interest Dr comp gt _LIQD PD PULLINC PD CHG TAG PDC_ISSUE PD TAG PDC ISSUE CON PD TAG TR Income lt interest comp gt LIQD RIA lt interest comp gt LIQD 10 23 ORACLE Event RETN Customer Cheque discounted RIA lt interest comp gt _LIQD Income lt interest comp gt _LIQD Event RADJ RIA Income lt Interest comp gt _LIQD 10 1 13 3 Discounted Arrear charge collection with Accrual Event CDIS Check discounted 10 24 ORACLE Event PULL Check Discounted PD TAG Income lt Interest comp gt LIQD
87. r override message is displayed Once a TD is booked the rate remains the same for the entire tenor of the deposit Though the rate code associated with the TD changes the TD rate is not modified once it is booked On automatic rollover of a TD the latest rate of the associated float rate code is applied Once the above maintenance is authorized a lien will be applied on each TD for the amount specified The TDs can be added or removed through amendment If any of the linked TD is removed then the lien applied for that TD Account is also removed In case of an amendment the total linked amount for an OD account should not go below the least of current utilization or current linkage Also the existing liens is removed and new lien applied with the modified linked amount and the limit expiry date You can specify the percentage of the TD amount that can be used for OD Linkages using the IC Parameters in the Bank Parameters Maintenance screen For more details refer chapter 2 in the Core Services user manual Note the following e You can remove the lien only after the manual removal of limit and not on the expiry date of the limit e Maximum of 30 TDs can be linked to an OD account e Whenever the OD limit maintenance of an account is modified for the linked amount the associated limit line should also be updated A single TD can be linked to more than one OD account Example 14 3 ORACLE Assume that TD1 has a balance of 5
88. r and clicking on the adjoining arrow button Instrument Type Maintenance Web Page Dialog Instrument Master Instrument Type Branch CHO z FT Upload Account I LPAD Reqd Account Branch Cheque Book Mo Mo Of Leaves FT Details FT Upload Product FT Upload Account FT Account Branch Status Input By DOC3 Date Time Modification number Ope ip ate Time oditication numbe ga Open Authorized By Date Time I Authorized All the consolidated Cheque s that are printed and for which the Ft Upload option is selected get uploaded when this process is run Click Exit or Cancel button to execute the upload process The system generates an Ft Contract Ref No for each transaction contributing towards the consolidated Cheque amount and credits the Ft Upload Account with each amount individually thus keeping a track of all such transactions 13 1 5 Associating an Instrument Type with a Settlement Instruction If the settlement account of a settlement instruction is the nostro with another bank the settlement instruction is automatically associated with the instrument type associated with the nostro It is displayed in the Instrument Type field of the Settlement Message Details screen You can also select a different instrument type from the option list provided oS The instrument type will get defaulted only if you associate the liquidating event with the advice tag PAYMENT MESSAGE 13 5 ORACL
89. re liquidation To cancel the PDC click Reverse button in the PDC contract screen On cancellation the accounting entries you defined for the CANL event are passed After the PDC has been liquidated you also have the option to reverse it by selecting Reverse from the Actions menu in the Application toolbar or clicking reverse icon All accounting entries passed for the PDC will be reversed 10 1 12 Manual Realization of PDCs There are two possible ways of PDC realization based on the product setup e Auto Realization e Manual Realization For early late realization You can initiate a manual realization of the PDC through the Post Dated Cheques Manual Liquidation screen You can invoke this screen by typing PDDMANLQ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button 10 19 ORACLE e Post Dated Cheques Manual Liquidation Transaction Reference Number Product Code Remitter Account Number Beneficiary Account Number Amount Value Date Webpage Dialog Event Sequence Number Source Code External Reference Branch Code Instrument Number Currency love funds to Collected Clearing Details Clearing Product Issuer Branch End Point lesuer Bank Routing Number Bulk Transaction Reference Clearing Bank Number Clearing Branch Sector Code Discount Purchase Details Amount Activation Date Cheque Status Norma Location Of Cheque Op
90. ription of the instrument e The other preferences which include gt Whether auto authorization is allowed for the instrument type gt Whether you need a print of the instrument details as and when the details are entered and authorized gt Whether online authorization is allowed for the instrument gt Whether the instrument type allows to create demand drafts payable at other banks e The expiry frequency of the instrument in days months or years e The advice format applicable under this instrument type e The status of the instrument and the product codes associated with the same e The currency in which the dd is being issued e The dao branch where the dd is being issued from e The dao account which will get credited for the dd issued as per the currency and dao branch e The payable limit indicates the limit for the issuing an instrument for the bank You can set a limit for each instrument type All the instruments under the instrument type issued by your bank should be within the specified limit In case the instrument issued for the issuer bank exceeds this limit the system will prompt for an authorization The various products selected against the various statuses should have maintenance in ARC except for statuses like Expired or Reissue 11 2 2 Maintaining Instrument Types for Outward Clearing Cheques When you maintain instrument types for processing outward clearing Cheques you need to ensure that e Y
91. rnnnrrrrnnnnnnrnnrrrrrnnnnsssnesrrrnnnnnsssneerrnnnnnnsssererrnsnsnnnssssenernnnnsssne 9 8 9 2 4 Maintaining Customer Address ssi seco chs ci cinstisiceianletdicinatisuieiambdnncdueiisigebambiidubustisnebaabssasWilusiuskssdesas ass 9 9 9 2 5 Maintaining Statement Generation Preference ccccccccccccccccc cece cece EEE EEE 9 10 10 PROCESSING POST DATED CHEQUES wiivsissssssccsiccsisesencssssatadiecessasesiossenesenanutiscussastionsesesecerenaeeeuvienes 10 1 EE SEG BOs UO errr nena eter nee ee en Semen Re E ee ee eee Te ee 10 1 LT TINN Navnene 10 1 10 1 2 Specifying Accounting Entries and Advices for EVents rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrnrrrrrnrrnrrnrsnnssrsen 10 3 HEGE AE Froduct GERE 10 5 10 1 4 Entering Details of Post Dated Cheques rrrrrrrrrrrrrrrrrrrrnrrrnrrrrrrnrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrsrsrssrrsrrsnsnnn 10 8 VS VNR 10 13 I016 Pigewihg Actounino AA SER N 10 14 UF F LCC DE ERE EN 10 14 101S Bulk Input NNN 10 16 ORACLE 10 1 9 Processing of PDCs that you have entered rrrrrrrrrrrrrrvrrrrrrrnrrrrnrvnnrnnnnnnnnnnnnnnnnnnnnrsrsrsnrrsnsnnsnsnne 10 18 10 1 10 TGV GTI ONE RE 10 18 10 1 11 Cancellation and Reversal of NNN NDANE NEE 10 19 10 1 12 Manual Kealization OSE NE 10 19 10 1 13 GS ENEGGEDE OTEREN 10 20 11 INSERUMENT DET MH Sene 11 1 Il NNN 1 1 1 11 2 MAINTAINING THE DETAILS OF THE INSTRUMENT eoooonnnnrvoonnnnnnnnovennnrrnennnnnnnnnnnennnnnnneeerereneeennnnnrnennnnnnnneee 1 1 1
92. s screen Accounting Roles Web Page Dialog Product Code Product Description Class Code Class Code Default From Class Class Description Roles E Accounting Role Description Account Head Description D g el The necessary accounting entries are mentioned below Select the appropriate accounting roles amount tags and Debit Credit indicators for each leg of the accounting entry Accounting entries for charges on PDCs Accounting Role Head Amount Tag Dr Cr Indicator Internal GLs PDC_CHARGE Customer A c PDC_CUST CHARGE 10 4 ORACLE 10 1 3 Specifying Product Preferences Click Preferences button to invoke the Post Dated Cheques Product Preference screen Post Dated Cheques Product Preference Webpage Dialog Change of operation Product Code Discount Purchase Linked Product Post Dated Cheque Type Track Drawer Limits Bulk Input Allowed Pass Contingent Holiday Treatment Forward Frequency Backward Cascade Scheduling Charge Details POC realization Accrual Frequency Monthly PDC Realization Type Auto Accrual Start Month January Manual Accrual Start Day Charge to be collected in Advance Arrears Product Code Specify the code for the Product Linked Product Select the Clearing product to be used when the product matures and the cheque is sent for outward clearing This is only applicable to External PDCs Post Dated Cheque Type Oracle FLEXCUBE pr
93. s MCKs etc with the settlement instruction Multiple deals can be settled with a single Cheque if the same counter party module and instrument type is associated with the settlement instructions for the deals 13 1 1 Defining Instrument Types You can define the various instrument types with the relevant details in the Instrument Type Maintenance screen You can invoke the Instrument Type Maintenance screen by typing ISDINSMS in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button You can view the details of all the existing instrument types from the summary screen Instrument Type Maintenance Web Page Dialog Instrument Master Instrument Type Branch CHO FT Upload Account I LPAD Reqd Account Branch Cheque Book Mo Mo Of Leaves FT Details FT Upload Product FT Upload Account FT Account Branch Status Input By D0OC3 Date Time Modification number gi Open ance Authorized By Date Time I Authorized 13 1 ORACLE You need to maintain the following details for an instrument type Instrument Type Specify a name for the instrument type that you are defining There will a list of values for the instrument type that will show all the instrument types from the DD status maintenance screen Instrument number is picked from the Instrument type level Branch Code Indicate the name of the branch to which the Cheque book is issued All
94. s been issued against it Payment against a Cheque is stopped if a stop payment instruction exists for that Cheque Stop payment for a Cheque can be specified for a defined period You can also maintain a stop payment bearing no expiry date i e the instruction remains effective until revoked 8 1 1 Maintaining Stop Payment Orders You can invoke the Stop Payment Input screen by typing CADSPMNT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Stop Payment Input Web Page Dialog Account Mo Stop Payment Type Cheque Stop Pay Number ret Start Cheque Number End Cheque Number Cheque Amount I Confirmed Effective Date Fields Input By Docs Date Time Modification number ga Open Authorized By Date Time DB Authorized In this table you maintain all stop payment orders enforced for a customer account The sequence number of the present stop payment instruction is displayed in the field Stop Payment No Here you define the following 8 1 ORACLE e Account number on which you are enforcing a stop payment e Whether stop payment is being defined against Cheque Cheques or an amount e If stop payment is based on Cheque then the start and end Cheque numbers e If stop payment is based on amount then the Cheque amount e Amount for which the stop payment has been enforced e Period for which this stop payment should remain effective e Any remark
95. t to the Cheque Book printer If you select the Include for Cheque Book Printing option then the system will include the details of manually reordered Cheque Books as well in the file to be sent to the printer Automatic reordering of Cheque Books will be triggered based on your specifications maintained for an account in the Customer Accounts Maintenance screen Refer the Core Entities User Manual for more details on the maintenances required for the same Specifying the value of the UDF Cheque Type When maintaining Cheque Book reordering parameters you also have to specify the type of cheque that you would like to order This is captured in the field Cheque Type which is maintained as an UDF Refer to the User Defined Fields User Manual for details on defining UDFs Click Fields button in the Cheque Book Details screen toolbar to invoke the User Defined Fields screen User Defined Fields Web Page Dialog Fields Field Name Value Ej ro co The UDF Cheque Type will be displayed in this screen Select the appropriate value from the option list provided The possible values are ORACLE e J 20 page x 3 5 Personal e K 40 page x 3 5 Business e P 40 page x 3 5 Business e L 40 page x 3 5 2 Part e R 80 page x 3 5 Business 6 1 3 Viewing the Status of a Cheque For each cheque book issued to a customer the system maintains the status of each leaf in the
96. tely block the account from any kind of debits made to the account To do this select the option No Debit At a later point you can UN Cheque this option to release the full block and define partial blocks if required Close As stated earlier the amount block will remain active from the effective date till the expiry date However you can release a block before the expiry date Select the Close option to affect a forceful closure of the amount block If you do not select this option the amount block will be released as part of the EOD batch process executed on the expiry date 7 2 Maintaining Customer Level Status Change Oracle FLEXCUBE facilitates asset classification borrower wise If one of the contracts of a customer is an NPA as per NPA norms then the system changes the status of all the loan contracts and bill contracts of the customer to NPA for the purpose of Income recognition and provisioning though the contracts might perform well You can change the customer number and the desired status through Customer Level Status Change screen You can invoke the screen by typing CSDCSTCH in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer Level Status Change Web Page Dialog Branch Transaction Ref Number Customer Customer Name Status Description New Status O Contract Account No Module User Ref No Ccy Outstanding Amount Current Status
97. the Uncollected Funds Basis as Uncollected then the total of uncollected funds is treated as uncollected funds If your specification is Uncollected funds Avl same day then only that amount of uncollected funds which is available for the current day or any previous day is treated as uncollected funds e Overdrawn balance The sum of payable balance including limits and the withdrawable uncollected funds subject to uncollected funds limits The overdrawn balance should be negative e Intraday uncollected fund release batch status 13 15 ORACLE 14 Linking Overdraft Interest Rates to the Linked TD Rates 14 1 Introduction Oracle FLEXCUBE facilitates the linkage of multiple deposits with different interest rates to a single OD account The OD interest rate changes automatically when the rate of interest for deposits changes Multiple TDs can be applied to a single OD Account 14 2 Maintaining details of TDs linked to OD Account You can capture the details of the TDs linked to an OD account using OD Limit Maintenance screen You can modify the linkages by unlocking the record in this screen To invoke this screen type STDACLIN in the field at the top right corner of the Application tool bar and click the adjoining arrow button OD Limit Maintenance Web Page Dialog Customer Details Branch Code Effective Date Account Mo Customer Mo Ac Coy TD salt TD AK Mo TD
98. the branches maintained in Oracle FLEXCUBE are displayed in an option list Select the branch code from the option list Account No This is the nostro account maintained with other banks If this Account is involved in a deal settlement the type of instrument associated with the account will be defaulted in the Instrument Type field of the Settlement Message Details screen invoked from the Contract Online screen of a front end module You can associate a settlement account with one instrument type only The branch in which the nostro account resides is defaulted on selection of the account number If you select a GL the current branch is defaulted No of Leaves Specify the total number of Cheque leaves in the Cheque Book you are defining Cheque Book No This is the number of the Cheque Book maintained for the Instrument Type These numbers will be unique for a specific branch and instrument type Lpad Required The user has an option to specify whether the instrument numbers have to be left padded with zeroes If you enable this option the instrument numbers will be prefixed by zeroes By clicking Status button you can view the status of each instrument Ft Upload As discussed earlier Oracle FLEXCUBE offers you the facility to print a consolidated Cheque for a counterparty module and instrument type combination If you choose to print a consolidated Cheque you are also required to keep a track of the in
99. top payment order can be for a Cheque or a series of Cheques and is maintained in the stop payment table from where it gets updated in the status table 6 1 4 Viewing Details of a Cheque and changing its Status To change the status of any leaf in a book go to that leaf s status block in the status matrix and double click on the block You will be returned to the Cheque Details table The Cheque Details table is invoked from the Application Browser 6 1 5 Maintaining Cheque Details You can invoke the Cheque Details Maintenance screen by typing CADCHKDT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Cheque Details Maintenance Web Page Dialog Cheque Details Account Number Cheque Number Amount Beneficiary Presented On Remarks Status nor USED r Date On Cheque I Stopped Input By Date Time Modification number Ore ip ate T oditication numbe I Open Authorized By Date Time I Authorized If you have invoked this screen by double clicking on the Cheque status all details related to the Cheque would be displayed in the cheque details screen If the screen has been invoked from the Application Browser then click on the account number a display field press F7 and enter the account number of this customer whose Cheque status you want to view Then press F8 The details of a Cheque leaf would be displayed Move to t
100. uncollected funds or released funds pending authorization You must then use the fields in Amount section to make your specifications for retrieval In this section in any of the fields you must press lt F7 gt to enter a value as a search criterion and then press lt F8 gt to execute the search When you use the Account section to retrieve a transaction the radio buttons in the Fund Selection section are disabled and cannot be used The operation selected in the Release Status field can be performed If you are using the fields in the Amount section to retrieve transactions you can specify the debit or credit account involved in the transaction in the Amount field Any transactions that match your selection are displayed in the lower grid portion of the screen 13 2 1 4 Selecting a Transaction for an Operation After you have retrieved the transaction the following details of the transaction are displayed e The Available Date e The Account pertaining to the specified Uncollected Fund e Reference Number e Amount of the transaction e Release details such as the user that released the transaction and time of the release In the list Cheque the Select box in the row of the transaction for which you want to perform the selected operation and then click Exit button 13 2 1 5 Making uncollected Funds available before the Available Date You can use the Uncollected Funds Manual Release screen to indicate that unco
101. unts is done as follows When a new account linked to the Customer is maintained after the bulk status change processing it can be maintained in any status irrespective of the status of the other accounts of the customer System operationally controls the new accounts to have the same status in case bulk status change is already done for the corresponding counter party When the customer level status change function is re executed next time this account is changed to the new status specified by the user For more information on maintenance of Customer Level Status Change refer Maintaining Customer Level Status Change section in the Maintaining Customer Information Files chapter under Core Entities User Manual 1 5 ORACLE 8 Maintaining Stop Payment Details 8 1 Introduction A Stop Payment maintained in the stop payment table is an instruction given by a customer to his bank directing it to stop payment against a Cheque This instruction can be based on any of the following e A single Cheque number e A range of Cheque numbers e The amount for which the Cheque is drawn When a stop payment is affected the stop payment status in the Customer Accounts Maintenance table gets updated to indicate the presence of a stop payment instruction for the customer account Whenever a Cheque based transaction is initiated through Data Entry or Funds Transfer the system validates if any stop payment instruction ha
102. vation Date Enter the date on which the PDC becomes a normal Cheque that is the maturity date of the PDC Therefore this can also be viewed as the value date of the normal Cheque The value that you enter here is validated as per the holiday treatment maintained at the PDC product level This date should be greater than or equal the current date amp less than the end date specified for this PDC product Location of Cheque Specify the location where the PDCs are held till activation This is for reporting purposes only Actions allowed in the PDC Online screen e Add Entering details of anew PDC e Unlock Changing details of an unprocessed PDC You can only modify an unauthorized and unprocessed PDC If during modification you change the amount activation date currency remitter account number or charge payable details then the contingent entries passed during initiation gets deleted and new entries are passed based on the modification done e Delete Deleting a PDC prior to its first authorization e Reverse Reversing a PDC that has been liquidated Contingent entries passed for the PDC are reversed e Cancellation Canceling a PDC that is active but has not been liquidated The accounting entries specified for the cancellation event are passed 10 1 4 5 Limits Tracking Limits Tracking required If Limits tracking is enabled at product level then this box will be displayed as checked This is defaulted from the product and y

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