[December] [2010] - Oracle Documentation

[December] [2010] - Oracle Documentation
Provisioning
Version-1.0
9NT1399-ORACLE FCUBSV.UM 11.0.RU.1.0.0.0
[December] [2010]
Oracle Part Number E51712-01
Document Control
Author: Documentation Team
Group: UBPG
Created on: October 04, 2010
Revision No: Final
Updated by: Documentation Team
Reviewed by:
Development/Testing teams
Approved by: Software Quality
Assurance Team
Updated on: December 23, 2010
Reviewed on: December 23,
2010
Approved on: December 23, 2010
Provisioning
Table of Contents
1.
ABOUT THIS MANUAL................................................................................................................................ 1-1
1.1
1.2
1.3
1.4
2.
INTRODUCTION ........................................................................................................................................... 1-1
AUDIENCE .................................................................................................................................................. 1-1
CONVENTIONS USED IN THIS MANUAL ....................................................................................................... 1-1
GLOSSARY OF ICONS .................................................................................................................................. 1-1
PROCESSING PROVISIONING .................................................................................................................. 2-1
2.1
INTRODUCTION ........................................................................................................................................... 2-1
2.2
MAINTAINING QUALITY CATEGORY DETAILS ............................................................................................ 2-1
2.3
VIEWING QUALITY CATEGORY DETAILS .................................................................................................... 2-2
2.4
MAINTAINING PORTFOLIO PREFERENCE DETAILS ...................................................................................... 2-3
2.5
VIEWING PROVISION PORTFOLIO PREFERENCE........................................................................................... 2-6
2.6
MAINTAINING CUSTOMER PROVISION DETAILS ......................................................................................... 2-7
2.7
VIEWING CUSTOMER PROVISION DETAILS ................................................................................................. 2-8
2.8
MAINTAINING PROVISION GROUP DETAILS ................................................................................................ 2-8
2.9
VIEWING PROVISIONING GROUP DETAILS .................................................................................................. 2-9
2.10 DEFINING PROVISION PRODUCTS.............................................................................................................. 2-10
2.10.1
Specifying Accounting Entries ......................................................................................................... 2-12
2.11 VIEWING PROVISION PRODUCT DEFINITION ............................................................................................. 2-13
2.12 MAPPING PROVISION PRODUCT DETAILS ................................................................................................. 2-14
2.13 VIEWING PROVISION PRODUCT MAPPING................................................................................................. 2-15
2.14 MAINTAINING PROVISION DETAILS .......................................................................................................... 2-16
2.14.1
Specifying the Amount Details ......................................................................................................... 2-18
2.15 VIEWING PROVISION DETAILS .................................................................................................................. 2-18
2.16 PROCESSING PROVISIONING ..................................................................................................................... 2-20
1. About this Manual
1.1
Introduction
This manual is essentially designed to help you get acquainted with the provisioning feature in
Oracle FLEXCUBE. It deals with the maintenances that are required for processing provisioning in
Oracle FLEXCUBE.
You can obtain information specific to a particular field by placing the cursor on the relevant field
and striking <F1> on the keyboard.
1.2
Audience
This manual is intended for the following User/User Roles:
1.3
Role
Function
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
Conventions Used in this Manual
Important information is preceded with the
1.4
symbol.
Glossary of Icons
This User Manual may refer to all or some of the following icons:
Icons
Function
New
Copy
Save
Delete
Unlock
Print
Close
1-1
Icons
Function
Re-open
Reverse
Template
Roll-over
Hold
Authorize
Liquidate
Exit
Sign-off
Help
Add
Delete
Refer the Procedures User Manual for further details about the icons.
1-2
2. Processing Provisioning
2.1 Introduction
Provisioning can be done for a variety of services like consumer loans, corporate credits, credit
cards, and overdrafts. Typically provisioning can be classified under the following heads:

Individual Provisioning

Special Items Provisioning

Portfolio Provisioning.
For consumer loans, unutilised portion of limit lines, credit cards and overdraft facilities, and on an
individual contract / account basis for others, provisions are usually done on a portfolio basis.
2.2 Maintaining Quality Category Details
You can maintain the minimum and maximum rate for each of the quality category in the ‘Quality
Category Maintenance’ screen. To invoke this screen, type ‘CSDPRVRG’ in the field at the top
right corner of the Application tool bar and click the adjoining button.
You need to maintain the following details:
Quality Category
Specify the code for the quality category which is to be created.
Description
Specify the description of the quality category.
Minimum Rate
Specify the minimum provision rate for the quality category.
2-1
Maximum Rate
Specify the maximum rate for the quality category.
2.3 Viewing Quality Category Details
You can view the details of quality category in ‘Quality Category Maintenance Summary’ screen.
To invoke this screen type ‘CSSPRVRG’ in the field at the top right corner of the Application tool
bar and click the adjoining arrow button.
You can query on records based on any one or all of the following criteria:

Authorization Status

Record Status

Quality Category

Description
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Authorization Status

Record Status

Quality Category
2-2

Description

Minimum Rate

Maximum Rate
2.4 Maintaining Portfolio Preference Details
You can maintain and map the portfolio either for multiple loan products or account classes using
the ‘Provision Portfolio Preference’ screen. To invoke this screen, type ‘CSDPRVPF’ in the field at
the top right corner of the Application toolbar and click the adjoining arrow button.
In this screen, specify the following details:
PF Code
Specify the portfolio code for which the product or account class can be maintained.
PF Description
Specify the description for the portfolio code.
Provision Effective Date
Specify the following details:
Effective Date
Specify the date from which the provision is effective.
Provision Basket Date
Specify the following details:
2-3
Basket ID
Specify the basket number to identify the range of overdue days.
From Overdue
Specify the overdue day from when the specific quality category and rate are applicable for
provision calculation.
Unit
Select the unit for the specified tenor from the drop-down list. The following options are available
for selection:

Days

Months

Years.
To Overdue
Specify the overdue day to when the specific quality category and rate are applicable for
provision calculation.
Unit
Select the unit for the specified tenor from the drop-down list. The following options are available
for selection:

Days

Months

Years
Quality Category
Specify the quality category. The adjoining option list displays all the quality categories that are
maintained in the system. You can choose the appropriate one.
Rate
Specify the provision rate which is used for the provision calculation for the specific basket id.
Block Upward Movement
Check this box to indicate that the movement of basket is blocked even if the overdue day falls
into an upper tenor.
On clicking of ‘Restriction’ button in the ‘Provision Portfolio Preference’ screen, the ‘Restriction’
screen will be displayed. Using this screen, you can map the product and account class for the
specified portfolio.
2-4
In this screen, specify the following details:
Allowed Product
Specify the following details:
Product Code
Specify the product code which is to be mapped with portfolio. The adjoining option list displays
all the product codes that are maintained in the system. You can choose the appropriate one.
Product Description
The system displays the description for the product based on the product code selected.
Allowed Account Class
Specify the following details:
Account Class
Specify the account class which is to be mapped with portfolio. The adjoining option list displays
all the account classes that are maintained in the system. You can choose the appropriate one.
Account Class Description
The system displays the description for the account class based on the account class selected.
While mapping the portfolio, you can maintain either the product or account class for portfolio and
not the both. At the same time, you cannot map the product or account class that has been
already mapped with portfolio.
2-5
2.5 Viewing Provision Portfolio Preference
You can view the portfolio preference for in ‘Provision Portfolio Preferences Summary’ screen. To
invoke this screen type ‘CSSPRVPF’ in the field at the top right corner of the Application tool bar
and click the adjoining arrow button.
You can query on records based on any one or all of the following criteria:

Authorization Status

Record Status

PF Code

PF Description
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Authorization Status

Record Status

PF Code

PF Description
2-6
2.6 Maintaining Customer Provision Details
You can maintain customer quality category and provision rates for the customer in the ‘Customer
Provision Details’ screen. To invoke this screen, type ‘CSDPRVCF’ in the field at the top right
corner of the Application toolbar and click the adjoining button.
In this screen, specify the following details:
Customer ID
Specify the customer identification number for whom the quality category and provision rates are
to be maintained. The adjoining option list displays the customer ids that are maintained in the
system. You can choose the appropriate one.
Customer Name
The system displays the customer name.
Quality Category
Specify the quality category which is to be linked with the customer. The adjoining option list
displays all the quality categories that are maintained in the system. You can choose the
appropriate one.
Description
The system displays the quality category name based on the quality category selected.
Provision Rate
Specify the rate to be used for provision. The system will check whether the provision rate falls
between the maximum and minimum rate allowed for the quality category.
2-7
2.7 Viewing Customer Provision Details
You can view the provision details of the customer in ‘Customer Provision Details Summary’
screen. To invoke this screen type ‘CSSPRVCF’ in the field at the top right corner of the
Application tool bar and click the adjoining arrow button.
You can query on records based on any one or all of the following criteria:

Authorization Status

Record Status

Customer ID
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Authorization Status

Record Status

Customer ID

Provision Rate
2.8 Maintaining Provision Group Details
You can maintain the component groups and priority order for provision in ‘Provision Group
Details’ screen. To invoke this screen, type ‘CSDPRVGD’ in the field at the top right corner of the
Application toolbar and click the adjoining button.
2-8
You need to maintain the following details:
Group Code
Specify the group code to be maintained for provision.
Group Description
Specify the description for the group code.
Priority Seqn No
Specify the priority sequence number. The multiple groups can have a same priority sequence
number.
2.9 Viewing Provisioning Group Details
You can view the provision group details in ‘Provision Group Details Summary’ screen. To invoke
this screen type ‘CSSPRVGD’ in the field at the top right corner of the Application tool bar and
click the adjoining arrow button.
2-9
You can query on records based on any one or all of the following criteria:

Authorization Status

Record Status

Group Code
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Authorization Status

Record Status

Group Code

Group Description

Priority Seqn No
2.10 Defining Provision Products
You can maintain the provision parameters in the ‘Product Definition’ screen. To invoke this
screen, type ‘CSDPRMNT’ in the field at the top right corner of the Application toolbar and click
the adjoining arrow button.
2-10
In this screen, specify the following details:
Product Code
Specify the product code.
Product Description
Specify the description for the product which will be associated with the product.
Product Type
Select the type of product as ‘Provisioning’ that you are creating for provision.
Description
The system displays the description for the product type selected.
Slogan
You can enter a marketing punch line for every product you create. This slogan will be printed on
all advices that are sent to customers who avail of the product.
Product Group
Products can be categorized into groups based on the common elements that they share. You
must associate a product with a group.
2-11
Product Group Description
The system displays the description for the product group selected.
Start Date
Specify the start date.
Remarks
Specify the remarks regarding the products.
2.10.1 Specifying Accounting Entries
Click ‘Accounting Entries’ button in the ‘Events’ screen and invoke the ‘Accounting Entries’ screen
to define accounting entries for every event.
The system displays the event code and description. You are required to specify the following
details:
Entry Pair Number
Specify a unique number to identify a pair of accounting entries. At the time of saving the product,
the system will check that no two pairs for an event have the same pair number and that all
accounting entries have an entry pair number. When accounting entries are posted, the system
stores this number for the given pair along with the entries.
Refer the Products User Manual under Modularity for further details.
2-12
2.11 Viewing Provision Product Definition
You can view the provision product details in ‘Provision Product Maintenance Summary’ screen.
To invoke this screen type ‘CSSPRMNT’ in the field at the top right corner of the Application tool
bar and click the adjoining arrow button.
You can query on records based on any one or all of the following criteria:

Authorization Status

Record Status

Product Code

Product Group

Product Type

Start Date
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Authorization Status

Record Status

Product Code

Product Group

Product Type

Start Date
2-13
2.12 Mapping Provision Product Details
You can map the provision code and its type to the product in the ‘Provision Product Mapping’
screen. To invoke this screen, type’ CSDPRVPG’ in the field at the top right corner of the
Application toolbar and click the adjoining arrow button.
You need to maintain the following details:
Provision Code Type
Select the type of the provision code from the adjoining drop-down list. The list displays the
following values:

Account Class

Loans

Limits

Special Item

Portfolio Code
Provision Code
Specify the provision code. The adjoining option contains all the provision codes that are defined
for the provision code type you have selected. You can choose the appropriate one.
Provision Rate
Specify the provision rate for the provision type selected.
Quality Category
Specify the quality category for the provision type selected. The adjoining option list displays all
the quality category codes that are maintained in the system. You can choose the appropriate
one.
2-14
Product Code
Specify the product code for which the mapping is to be done. The adjoining option list displays
all the product codes that are maintained in the system. You can choose the appropriate one.
2.13 Viewing Provision Product Mapping
You can view the provision product mapping details in ‘Provisions Product Mapping Summary’
screen. To invoke this screen type ‘CSSPRVPG’ in the field at the top right corner of the Application
tool bar and click the adjoining arrow button.
You can query on records based on any one or all of the following criteria:

Authorization Status

Record Status

Provision Code Type

Provision Code

Product Code
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Authorization Status
2-15

Record Status

Provision Code Type

Provision Code

Product Code

Quality Category

Provision rate
2.14 Maintaining Provision Details
You can maintain the provision details for new individual type of entries or modify the existing
record for the movement from portfolio to individual in the ‘Provision Details’ screen. To invoke
this screen, type ‘CSDPRVRT’ in the field at the top right corner of the Application toolbar and
click the adjoining arrow button.
You need to maintain the following details:
Reference Type
Specify the reference type from the adjoining drop-down list. The list displays the following
values:

Loans

Limits
2-16

CASA
Reference Number
Specify the reference number for which the provision to be maintained. The adjoining option list
displays all the reference numbers related to the reference type that are maintained in the
system. You can choose the appropriate one.
Basket Id
The system defaults the basket id.
Quality Category
Specify the quality category for which the product to be maintained. The adjoining option list
displays all the quality categories that are maintained in the system. You can choose the
appropriate one.
PF Code
The system displays the portfolio code mapped to the account class or product.
Provision Rate
Specify the rate to be used for provision.
Branch Code
On clicking ‘New’ , the system displays the branch code for which the provision details are
maintained.
Status
The system displays the status.
Liabalility Id
Specify the limit liability code. The adjoining option list displays the liability codes that are
maintained in the system. You can select the appropriate one. This field is applicable only if you
select the reference type as ‘Limit’.
Line Code
The system displays the line code based on the liability Id selected. This field is applicable only if
you select the reference type as ‘Limit’.
Line Serial
The system displays the line serial based on the liability Id selected. This field is applicable only if
you select the reference type as ‘Limit’.
Provision Type
Indicate the type of provisioning that you are maintaining. You can select one of the following
options:

Individual

Portfolio
2-17
If the provision type ‘Portfolio’ is selected, the system creates a record in the ‘Provision Details’
screen on authorization of the contract. If you want to enter a new record, you must select
‘Individual’.
2.14.1 Specifying the Amount Details
Provision Group
The system displays the provision group for which the provisioning is done.
Provision Currency
The system displays the provision currency in which provisioning is done.
Over Due Value
The system displays the total over due value during provisioning.
Term Value
The system displays the term value during provisioning.
Provision OD Value
The system displays the amount for which the provisioning is done.
Provision Term Value
The system displays the term for which the provisioning is done
2.15 Viewing Provision Details
You can view the provision details in the ‘Provision Summary’ screen. To invoke this screen, type
‘CSSPRVRT’ in the top right corner of the Application toolbar and click the adjoining arrow button.
2-18
You can query on records based on any one or all of the following criteria:

Authorization Status

Record Status

Reference Number

Reference Type

Quality Category

Provision Type

Provision Rate
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Authorization Status

Record Status

Reference Number

Reference Type

Quality Category

Provision Type

Provision Rate
2-19
2.16 Processing Provisioning
Provisioning can be done for CL, MO, Limits (Unutilized Portion), CASA (Negative amount) GL
(Special Item provision).
Provision processes are done in the following ways:

Individual Provisioning - You need to maintain the respective account in the ‘Provision
Detail’ screen manually.

Portfolio Provisioning – You need to maintain the product in the ‘Provision Portfolio
Preference’ screen (Restriction). The provision group needs to be mapped for the CL/MO
products. All the accounts booked under those products will be considered for
provisioning. On authorization of the accounts, the system will defaults a record in
‘Provision Detail’ screen for each account.
Provision for Loans
During the End of Day operation, the system process all the contracts marked for provisioning
(Individual and Portfolio).
The term and overdue provision basis amount are derived from the overdue and expected part of
any component available for the Loan/Mortgage and mapped to a provision component group.
Provision for CASA
During the End of Day operation, the system process all the accounts marked for provisioning
(Individual and Portfolio).
For CASA account, negative balance amount should be considered as term provision basis
amount and there is no overdue provision basis amount.
Provision for LIMITS
During the End of Day operation, the system process all the facilities marked for
provisioning(Individual and Portfolio).
Basis amount for provisioning should be unutilized amount in the Limit line and is to be derived
from the available balance at the ‘Limit Maintenance’ screen.
The provision amounts calculated for a processing date should be compared against the
provision amounts for previous processing date and the difference should be booked as current
provision entries.
You can change the provision type from ‘Portfolio’ to ‘Individual’ in the ‘Provision Details’ screen.
Upon authorization, the accounting entries would be reversed for the portfolio type and new
accounting entries would be passed for the individual provisioning. You cannot change the
provision type from ‘Individual’ to ‘Portfolio’ provisioning.
In case of IA, provisioning is calculated in the account currency. But in case of RA, it is always
calculated in Russian Roubles.
2-20
Provisioning
[December] [2010]
Version 1.0
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2-21
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