Current and Savings Account User Manual

Current and Savings Account User Manual
Current and Savings Account User Guide
Oracle FLEXCUBE Universal Banking
Release 12.0.2.0.0
Part No. E49740-01
January 2014
Current and Savings Account User Guide
January 2014
Oracle Financial Services Software Limited
Oracle Park
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Goregaon (East)
Mumbai, Maharashtra 400 063
India
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Phone: +91 22 6718 3000
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www.oracle.com/financialservices/
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Contents
1.
Preface ...................................................................................................... 1-1
1.1
1.2
1.3
1.4
1.5
1.6
2.
1-1
1-1
1-1
1-1
1-2
1-3
CASA - An Overview ................................................................................ 2-1
2.1
2.2
2.3
3.
Introduction..............................................................................................................
Audience..................................................................................................................
Documentation Accessibility....................................................................................
Organization ............................................................................................................
Related Documents .................................................................................................
Glossary of Icons.....................................................................................................
Introduction.............................................................................................................. 2-1
Major Features ........................................................................................................ 2-1
Major Functions ....................................................................................................... 2-2
Maintaining Customer Accounts ........................................................... 3-1
3.1
3.2
Introduction.............................................................................................................. 3-1
Maintaining Customer Accounts.............................................................................. 3-1
3.2.1 Capturing Main Details ............................................................................... 3-4
3.2.2 Viewing Details of Amounts and Dates ...................................................... 3-7
3.2.3 Capturing Auxiliary Details ....................................................................... 3-12
3.2.4 Sweep In and Sweep Out Batch Processing............................................ 3-23
3.2.5 Specifying Nominee Details...................................................................... 3-24
3.2.6 Capturing Checklist Details ...................................................................... 3-25
3.2.7 Capturing Additional Details .................................................................... 3-28
3.2.8 Specifying Interest Details ........................................................................ 3-30
3.2.9 Specifying Charge Details ........................................................................ 3-36
3.2.10 Specifying Consolidated Charge Details .................................................. 3-37
3.2.11 Specifying BIC Details .............................................................................. 3-38
3.2.12 Specifying Account Operating Instruction Details..................................... 3-39
3.2.13 Specifying Standing Instruction Details .................................................... 3-40
3.2.14 Specifying Linked Entities ........................................................................ 3-41
3.2.15 Specifying REG Details ............................................................................ 3-42
3.2.16 Specifying Account Status Details............................................................ 3-43
3.2.17 Specifying Restriction Details ................................................................... 3-44
3.2.18 Specifying Currency Limits Details ........................................................... 3-47
3.2.19 Specifying MIS Details.............................................................................. 3-47
3.2.20 Specifying Statement Details.................................................................... 3-49
3.2.21 Specifying Account Limits......................................................................... 3-55
3.2.22 Specifying Linkages Details...................................................................... 3-59
3.2.23 Specifying Document Details.................................................................... 3-61
3.2.24 Specifying Joint Holder Details................................................................. 3-62
3.2.25 Specifying UDF Details............................................................................. 3-64
3.2.26 Specifying Deposits Instructions............................................................... 3-64
3.2.27 Specifying Billing Parameters................................................................... 3-67
3.2.28 Closure of accounts with outstanding Billing Invoices .............................. 3-68
3.2.29 Initiating manual liquidation for bills.......................................................... 3-69
3.2.30 Specifying Account Signatory Details....................................................... 3-69
3.3
3.4
3.5
3.6
3.7
3.8
3.9
3.10
3.11
3.12
3.13
3.14
3.15
3.16
3.17
3.18
3.19
3.20
3.21
3.22
3.23
3.24
3.25
3.26
3.2.31 Specifying Details for Balance Report Statement..................................... 3-70
3.2.32 Maintaining Notice Preferences for Withdrawal........................................ 3-76
3.2.33 Viewing Cards Details .............................................................................. 3-78
3.2.34 Viewing Statistics Details.......................................................................... 3-79
3.2.35 Specifying Change log Details.................................................................. 3-79
3.2.36 Specifying Cheque Book Request Details................................................ 3-80
3.2.37 Specifying Debit Card Request Details .................................................... 3-81
3.2.38 Maintaining Sweep Structure.................................................................... 3-82
3.2.39 Generating Alert for Secure Overdraft Utilization ..................................... 3-85
3.2.40 Maintaining Customer Account Limits Details .......................................... 3-87
Viewing Customer Accounts ................................................................................. 3-90
Viewing Customer Accounts Details...................................................................... 3-90
Viewing Customer Account Sweep History details................................................ 3-92
Changing Primary Party of an Account ................................................................. 3-93
3.6.1 Viewing linked Entities.............................................................................. 3-94
3.6.2 Viewing Account Signatory Details........................................................... 3-94
3.6.3 Viewing Customer Change Details........................................................... 3-95
3.6.4 Viewing Primary Party Change Summary ................................................ 3-99
Maintaining Customer De-duplication.................................................................. 3-100
Maintaining Joint Holder Details .......................................................................... 3-101
Viewing Joint Holder Details................................................................................ 3-103
Reconciliation of MT110 with Incoming Cheque Transactions............................ 3-104
3.10.1 Processing MT110 Incoming Message .................................................. 3-104
3.10.2 Processing Inward Cheque Clearing Transaction ................................. 3-104
Processing Escrow Sweeps ................................................................................ 3-105
Processing Sweep In........................................................................................... 3-106
3.12.1 Sweep in and Reverse Sweep in Sequence .......................................... 3-109
3.12.2 Reversal of Sweep in Transaction .......................................................... 3-110
Levying Penalty Interest on Notice Accounts ...................................................... 3-111
Maintaining Notice Period for Withdrawal............................................................ 3-112
Viewing Utilization of Free Amounts.................................................................... 3-113
Viewing Dummy Numbers Associated with CIF Number .................................... 3-114
Withdrawal of Funds without Penalty ................................................................. 3-114
Closing Account................................................................................................... 3-115
Recording Details of Lodgment Book Requests.................................................. 3-116
Querying for Account Statistics ........................................................................... 3-118
Querying for Month-Wise Customer Account Statistics....................................... 3-119
Querying Account Details .................................................................................... 3-121
Viewing Month-Wise Customer Account Statistics.............................................. 3-124
Viewing Customer Account Balance ................................................................... 3-125
Quick CASA Account Opening ............................................................................ 3-131
3.25.1 Specifying the Main details..................................................................... 3-133
3.25.2 Specifying the Check List Details ........................................................... 3-136
3.25.3 Specifying MIS Details............................................................................ 3-137
3.25.4 Specifying UDF Details........................................................................... 3-137
3.25.5 Specifying Cheque Book Request Details.............................................. 3-138
3.25.6 Specifying Debit Card Request Details .................................................. 3-138
3.25.7 Specifying Change Log Details .............................................................. 3-138
3.25.8 Viewing Quick Customer Account Summary .......................................... 3-138
Querying Accounting Reconciliation.................................................................... 3-140
4.
Maintaining Tax Allowance Limit ........................................................... 4-1
4.1
4.2
5.
Maintaining Stamp Duty Taxation ......................................................... 5-1
5.1
6.
7.3
7.4
7.5
6-1
6-1
6-4
6-5
Introduction.............................................................................................................. 7-1
Maintaining Cheque Book Details ........................................................................... 7-1
7.2.1 Defining Cheque Book Details.................................................................... 7-2
7.2.2 Viewing the Status of a Cheque ................................................................ 7-5
7.2.3 Viewing Details of a Cheque and changing its Status ................................ 7-6
7.2.4 Viewing Charge Details .............................................................................. 7-7
7.2.5 Viewing Events ........................................................................................... 7-8
7.2.6 Maintaining Cheque Details ..................................................................... 7-10
7.2.7 Retrieving Cheque Details........................................................................ 7-11
Archiving Cheque Book ......................................................................................... 7-12
Viewing Archived Cheque Books .......................................................................... 7-14
Querying Archived Cheque Details ....................................................................... 7-15
Maintaining Account Structure .............................................................. 8-1
8.1
8.2
8.3
8.4
8.5
9.
Introduction..............................................................................................................
Maintaining Passbook Details ................................................................................
Changing Passbook Status .....................................................................................
Passbook Reports ...................................................................................................
Maintaining Cheque Book Details .......................................................... 7-1
7.1
7.2
8.
Introduction.............................................................................................................. 5-1
Maintaining Passbook ............................................................................ 6-1
6.1
6.2
6.3
6.4
7.
Introduction.............................................................................................................. 4-1
Maintaining Customer Tax Allowance ..................................................................... 4-1
Introduction..............................................................................................................
Defining Account Structure......................................................................................
Debiting Transaction into the Primary Account .......................................................
8.3.1 Processing Amount Block...........................................................................
Maintaining Account Structure.................................................................................
Viewing Account Structure Maintenance Summary ................................................
8-1
8-1
8-1
8-1
8-2
8-2
Maintaining Amount Blocks ................................................................... 9-1
9.1
Defining Amount Blocks ..........................................................................................
9.1.1 Defining Amount Block Reasons ................................................................
9.1.2 Viewing Hold Code Summary.....................................................................
9.1.3 Maintaining Individual Amount Blocks ........................................................
9.1.4 Viewing Amount Block................................................................................
9.1.5 Maintaining Consolidated Amount Block Details ........................................
9.1.6 Maintaining Consolidated Amount Blocks ..................................................
9-1
9-1
9-2
9-3
9-6
9-8
9-9
10. Maintaining Stop Payment Details ....................................................... 10-1
10.1 Introduction............................................................................................................ 10-1
10.2 Maintaining Stop Payment Orders......................................................................... 10-1
10.2.1 Maintaining Stop Payment Instructions .................................................... 10-2
11. Generating Account Statements .......................................................... 11-1
11.1 Introduction............................................................................................................ 11-1
11.2 Maintaining Statement Preferences ...................................................................... 11-1
11.2.1 Specifying Format of Account Statements ............................................... 11-1
11.2.2 Maintaining Account Class Details ........................................................... 11-6
11.2.3 Maintaining Message Types..................................................................... 11-8
11.2.4 Maintaining Customer Address ................................................................ 11-9
11.2.5 Maintaining Statement Generation Preference ......................................
11.2.6 Maintaining Ad Hoc Statement Requests...............................................
11.2.7 Maintaining Automatic Consolidated Statement Requests.....................
11.3 Maintaining Combined Statements......................................................................
11.3.1 Periodic Charges for Combined Statement ............................................
11.4 Viewing Combined Statement Details .................................................................
11-10
11-11
11-14
11-18
11-20
11-21
12. Processing Post Dated Cheques ......................................................... 12-1
12.1 Introduction............................................................................................................ 12-1
12.2 Maintaining PDC Products .................................................................................... 12-1
12.2.1 Specifying Accounting Entries and Advices for Events ............................ 12-3
12.2.2 Specifying Product Preferences ............................................................... 12-5
12.2.3 Entering Details of Post Dated Cheques .................................................. 12-7
12.2.4 Viewing Accounting Entries .................................................................... 12-12
12.2.5 Viewing ICFF Details .............................................................................. 12-14
12.2.6 Specifying Project Details....................................................................... 12-15
12.2.7 Specifying Limits..................................................................................... 12-16
12.3 Viewing Summary of Post Dated Cheques Transaction...................................... 12-17
12.4 Bulk Input of Post Dated Cheques ...................................................................... 12-19
12.4.1 Specifying Project Details....................................................................... 12-22
12.5 Viewing Summary of Post Dated Cheques Bulk Input ........................................ 12-23
12.5.1 Liquidation of PDCs................................................................................ 12-24
12.5.2 Cancellation and Reversal of PDCs ....................................................... 12-24
12.5.3 Bulk Cancellation of PDCs ..................................................................... 12-26
12.5.4 Manual Realization of PDCs................................................................... 12-27
12.6 Maintaining Drawer Status Details ...................................................................... 12-33
12.7 Maintaining Drawer Details.................................................................................. 12-34
12.8 Viewing Drawer Summary ................................................................................... 12-36
12.9 Maintaining Post Dated Cheque Reject Code ..................................................... 12-37
12.10 Maintaining Customer Cheque Discount Details ................................................. 12-38
12.11 Viewing Customer Cheque Discount Summary .................................................. 12-39
12.11.1 Events and Accounting Roles................................................................ 12-40
12.11.2 Purchase ............................................................................................... 12-46
13. Instrument Details ................................................................................. 13-1
13.1 Introduction............................................................................................................ 13-1
13.2 Maintaining the Details of the Instrument .............................................................. 13-1
13.2.1 Entering DD Details .................................................................................. 13-2
13.2.2 Maintaining Instrument Types for Outward Clearing Cheques................. 13-3
13.3 Maintaining Instrument Types for Other Banks ..................................................... 13-3
13.3.1 Entering the Details .................................................................................. 13-4
13.4 Entering Instruments Transactions........................................................................ 13-5
13.4.1 Viewing the Accounting Entries ................................................................ 13-9
13.4.2 Charges for the Instrument....................................................................... 13-9
13.4.3 Liquidating the Drafts.............................................................................. 13-10
13.4.4 Charges for the Instrument..................................................................... 13-10
13.4.5 Processing Outward Clearing Instruments ............................................. 13-11
13.5 Exempting Tax on Interest Earned on Deposit Accounts .................................... 13-11
14. Annual Percentage Yield for CASA Accounts .................................... 14-1
14.1 Introduction............................................................................................................ 14-1
14.2 Specifying the APY Basis ...................................................................................... 14-1
15. Instrument Type Maintenance and Consolidated Cheque Printing .. 15-1
15.1 Introduction............................................................................................................ 15-1
15.2 Defining Instrument Types..................................................................................... 15-1
15.2.1 Viewing the Cheque Leaf Number and Status ......................................... 15-3
15.2.2 Defining Cheque Details........................................................................... 15-3
15.3 FT Upload.............................................................................................................. 15-4
15.3.1 Associating an Instrument Type with a Settlement Instruction ................ 15-5
15.4 MT110 and MT111 Generation ............................................................................. 15-5
15.5 Manual Processing for Uncollected Funds ............................................................ 15-9
15.5.1 Operations that you can Perform ........................................................... 15-10
15.6 Intra-day Release of Uncollected Funds ............................................................. 15-11
15.6.1 Querying for Details on Overdrawn Accounts ........................................ 15-13
15.7 Interface Clearing Details .................................................................................... 15-14
15.8 Maintaining Online Charges for Products ........................................................... 15-17
15.9 Viewing Interface Clearing Summary .................................................................. 15-18
16. Batch Processing .................................................................................. 16-1
16.1 Introduction............................................................................................................ 16-1
16.2 Batch Process for Liquidating PDC Linked Schedules.......................................... 16-1
16.3 Processing of Customer De-duplication Batch ...................................................... 16-1
16.3.1 Processing Message Generation for Combined Statement ..................... 16-2
17. Reports ................................................................................................... 17-1
17.1
17.2
17.3
17.4
17.5
17.6
17.7
17.8
17.9
17.10
17.11
17.12
17.13
17.14
17.15
17.16
17.17
17.18
17.19
17.20
17.21
17.22
17.23
Introduction............................................................................................................ 17-1
Maintaining Printing Options for Reports............................................................... 17-2
Account Cheque Details Report ............................................................................ 17-3
CASA Stop Payment Report ................................................................................. 17-4
Customer Statistics Data ....................................................................................... 17-6
Account Statement Reports................................................................................... 17-8
17.6.1 Viewing Charge Details .......................................................................... 17-12
17.6.2 Viewing Events ....................................................................................... 17-13
PDC Summary Report......................................................................................... 17-13
Cheque Cancellation Report ............................................................................... 17-15
17.8.1 Contents of the Report ........................................................................... 17-15
Interest Statement Report ................................................................................... 17-16
Dormant Activated Report ................................................................................... 17-19
Stop Cheques Maintained Report ....................................................................... 17-20
Post Dated Cheques Due Today Report ............................................................. 17-22
Inter-Branch Accounts Opened Today Report .................................................... 17-24
Account Status Movement Report....................................................................... 17-26
Variances Maintained Today Report ................................................................... 17-27
Operating Instructions Not Captured Report ....................................................... 17-29
Minor Customer Details Report ........................................................................... 17-32
CASA-Overdraft Report....................................................................................... 17-33
Insignificant Balance Dormant Account Report ................................................... 17-35
CRR Movement Report ....................................................................................... 17-37
VAT Deduction Report......................................................................................... 17-39
17.21.1 Contents of the Report .......................................................................... 17-40
Customer De-duplication Report ......................................................................... 17-41
17.22.1 Contents of the Report .......................................................................... 17-41
Account Opened and Activated Report ............................................................... 17-42
17.24
17.25
17.26
17.27
17.28
17.29
17.30
17.31
17.32
17.33
17.34
17.35
17.36
17.37
17.38
17.39
Account Block and Reason Report......................................................................
Account Closure and Reason Report ..................................................................
Account Open or Close Report............................................................................
Passbook Details.................................................................................................
Account Balance List Report ...............................................................................
Customer Limit Position Tracking Report ............................................................
All Dormant Account Report ................................................................................
Debit Card Issued Report ....................................................................................
New Minor Account Report..................................................................................
Non Resident Account Report .............................................................................
Document Checklist Report.................................................................................
Customer Account Branch Transfer Report ........................................................
Customer Cheque Discounting Report................................................................
Cancelled or Rejected Report .............................................................................
Large Debit Balance Report ................................................................................
Ad-Hoc Combined Statement..............................................................................
17.39.1 Charge Details.......................................................................................
17.39.2 Combined Statement Generation Report ..............................................
17.40 Customer Change Report....................................................................................
17.40.1 Contents of the Report ..........................................................................
17-44
17-45
17-47
17-49
17-50
17-52
17-53
17-55
17-56
17-58
17-60
17-61
17-63
17-64
17-65
17-67
17-68
17-69
17-70
17-71
18. Glossary ................................................................................................. 18-1
18.1 Important Terms .................................................................................................... 18-1
19. Annexure A ............................................................................................. 19-1
19.1 Introduction............................................................................................................ 19-1
19.2 Format of PD_PDC_CAN Message Type ............................................................. 19-1
20. Annexure B - Accounting Entries ........................................................ 20-1
20.1
20.2
20.3
20.4
20.5
Accounting Entries and Advices for CASA ............................................................ 20-1
Events.................................................................................................................... 20-1
Amount Tags ......................................................................................................... 20-1
Accounting Roles................................................................................................... 20-1
Event-wise Accounting Entries for Products.......................................................... 20-4
20.5.1 Accounting Entries for Interest Products .................................................. 20-5
20.5.2 Accounting Entries for Discounted Cheques .......................................... 20-13
21. Annexure C - IC Rule Set-up ................................................................. 21-1
21.1 Introduction............................................................................................................ 21-1
21.2 IC Rule Maintenance ............................................................................................. 21-1
21.2.1 Interest on Saving and Current Bank Accounts for Retail Customer........ 21-2
21.2.2 Debit Interest on Current Accounts .......................................................... 21-5
21.2.3 Interest on Current account for Corporate Customer ............................... 21-8
21.2.4 Interest on Saving and Current Bank Accounts for Retail Customer...... 21-10
21.2.5 Interest on Saving and Current Bank Accounts for Retail Customer...... 21-13
21.2.6 Charge as Dr Interest when the Balance is Less than Minimum
Average Balance .................................................................................... 21-15
21.2.7 Dormancy Charge .................................................................................. 21-17
21.3 UDE Value Maintenance ..................................................................................... 21-19
21.3.1 Interest on Saving and current Bank Accounts for Retail Customer ..... 21-20
21.3.2 Debit Interest on Current Accounts ....................................................... 21-20
21.3.3 Interest on Current account for Corporate Customer ............................. 21-20
21.3.4 Interest on Liqd Before Month End on Saving and Current Bank
Accounts For Retail Customer................................................................ 21-20
21.3.5 Interest on Saving and Current Bank Accounts For Retail Customer ....
21.3.6 Charge On Less Average Balance .........................................................
21.3.7 Stamp Duty Taxation ..............................................................................
21.4 IC Rates Maintenance .........................................................................................
21-21
21-21
21-22
21-23
22. Function ID Glossary ............................................................................. 22-1
1. Preface
1.1
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 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
Documentation Accessibility
For information about Oracle's commitment to accessibility, visit the Oracle Accessibility
Program website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.
1.4
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 Customer Accounts explains how you can maintain
accounts in your bank for customers
Chapter 4
Maintaining Tax Allowance Limit explains how you can maintain
tax-free allowance limit at the customer account level
Chapter 5
Maintaining Stamp Duty Taxation explains the workflow of Stamp
Duty Taxation, and the options to define the same.
Chapter 6
Maintaining Passbook describes the information required for issuance of passbook to customers.
1-1
1.5
Chapter 7
Maintaining Cheque Book Details gives information pertaining to
the maintenance of Cheque books issued to customers.
Chapter 8
Maintaining Account Structure gives details about maintaining
account structures.
Chapter 9
Maintaining Amount Blocks gives details on maintaining amount
blocks placed on customer accounts.
Chapter 10
Maintaining Stop Payment Details explains how you maintain
details of stop payment instructions on Cheques issued by customers.
Chapter 11
Generating Account Statements explains the maintenances for
account statement generation.
Chapter 12
Processing Post Dated Cheques describes how Oracle FLEXCUBE processes post dated Cheques.
Chapter 13
Instrument Details explains how the reference information needed
for entry of instrument-based transactions in the Oracle FLEXCUBE Branch system can be maintained.
Chapter 14
Annual Percentage Yield for CASA accounts explains how Annual
Percentage Yield (APY) on customer accounts is processed in
Oracle FLEXCUBE
Chapter 15
Instrument Type Maintenance & Consolidated Cheque Printing
explains how codes for different instrument types are maintained.
Chapter 16
Batch Processing describes the various batch operations done in
this module which are required for batch processing.
Chapter 17
Reports gives the list of reports that can be generated for this
module in Oracle FLEXCUBE.
Chapter 18
Glossary gives a list of important terms used in the manual.
Chapter 19
Annexure A details format of ‘PD_PDC_CAN’ message.
Chapter 20
Annexure B - Accounting Entries gives the event-wise accounting
entries for CASA module.
Chapter 21
Annexure C – IC Rule Set-up gives the IC rule set-up for CASA
module.
Chapter 22
Function ID Glossary has alphabetical listing of Function/Screen
ID's used in the module with page references for quick navigation.
Related Documents

The Procedures User Manual

The Settlements User Manual
1-2
1.6
Glossary of Icons
This User Manual may refer to all or some of the following icons.
Icons
Function
Exit
Add row
Delete row
Option List
1-3
2. CASA - An Overview
2.1
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:

Create a customer account

Capture details of a Cheque book issued to a customer

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 matrix. Subsequently, if a
Cheque is canceled or rejected the status can be updated in the status matrix.

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:

Cheque books issued to customers

Amount blocks enforced against accounts

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:
2.2

‘Cheque Book Details’, ‘Cheque Status’ and ‘Cheque Details’ where you maintain
Cheque book details

‘Amount block maintenance’ where you maintain amount blocks against particular
amounts

‘Stop Payment’ where you maintain stop payment instructions issued against a Cheque
or range of Cheques
Major Features
There are three major features this system provides:

A service which returns the status of the Cheque

A service which updates the status of the Cheque

A service which will process initiation and expiry of stop payment instructions and
amount blocks
2-1
2.3
Major Functions
The major functions, which the system provides, are the following:
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
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
Whenever a Cheque-based transaction is initiated, the system will alert
the user about the status of the Cheque
Processing
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 of all Cheques processed along with their status.
Reports
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.
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3. Maintaining Customer Accounts
3.1
Introduction
You can define customer accounts for all the customers of your bank through the ‘Customer
Accounts Maintenance’ screen.
Each account that you define is identified with an account number. The structure of the
account number is based on the Account Mask you have maintained through the Account
Parameters sub-screen of the Bank-wide Parameters screen.
The Account Number can be combination of the CIF Number, the Account Class, Currency,
and any other alphabet/s or number/s of the account or currency as defined.
For an account number, you also need to define (in this screen) other parameters like: the
account class; the type of account - joint or single; the reporting lines for the account; the
currency in which transactions can be passed to this account; the customer’s account limit;
the check book/passbook/ATM facility, the various statuses applicable to the account and so
on.
Every account created or modified in Oracle FLEXCUBE needs to be authorized to become
effective. Whenever a new customer account is created or an existing record is modified, the
system generates a notification message on the record authorization. This notification
message can be sent to any external system if required.
3.2
Maintaining Customer Accounts
Invoke the ‘Customer Accounts Maintenance’ screen by typing ‘STDCUSAC’ in the field at the
top right corner of the Application tool bar and clicking the adjoining arrow button. Click the
new button on the toolbar.
3-1
Note
You can query or modify the account details of the customers whose accounts are permitted to you for the query/modification in the ‘Group Code Restriction’ screen
Details maintained in this screen are classified into three broad heads:
Main
Here you maintain the main attributes of each customer account like
the account number, customer code, the account class, account currency, type of account - single or joint, account status, other statuses
applicable, Cheque Book preferences etc.
Auxiliary
Under Auxiliary you can view other details like provisioning etc.
Nominee
Nominee details are maintained under Nominee head.
Check List
Document details like document type, expiry date, expected date of
submission and so on are maintained under Check List.
The ‘Customer Accounts Maintenance - Main’ screen is displayed by default when you invoke
the ‘Customer Accounts Maintenance’ screen. The Branch Code of the sign-on branch is on
display.
Customer No
To create an account, you need to input the CIF number of the customer for whom the account
is to be created. The adjoining option list displays all the valid customer codes. You can select
the appropriate one.
If the CIF number is a part of the account mask, the specified CIF should be as part of the
account number as per the length of CIF in the mask.
If you have included the CIF Number of the customer as part of the Account Mask, the system
automatically defaults the CIF code of the customer in the respective field. You can modify
this code.
However, while defining the Account Mask in the Account Parameters section of the Bankwide Parameters screen, if you have specified that the CIF Number should not be a part of
the account mask you will have to specify the customer code manually. A list of all the valid
customer codes is displayed in the available option list. You can select the appropriate.
Customer Name
The name of the customer is displayed based on the CIF ID that you have mentioned in
‘Customer No’ field.
Currency
You have to identify the currency of the customer account. A list of all the currencies
maintained in the system will be displayed in the available list. You can select the currency of
transaction for the respective account. If the currency of the account is not defined for the
current period in the ‘Turnover Limit Maintenance’ screen, you will not be able to save the
account.
Refer the section ‘Maintaining Turnover Limits’ in the chapter titled ‘Maintaining Mandatory
Information’ in this User Manual for details about the ‘Turnover Limit Maintenance’ screen.
3-2
Account
You can indicate the account number of the customer. One customer can have any number
of accounts.
The structure of the account number is defined in the customer account mask maintained in
the Account Parameters sub-screen of the Branch-wide parameters screen. The account
number can be a combination of the account class, customer code (CIF Number), serial
number or currency as defined in the customer account mask.
The last constituent of the account number is always a system generated check digit (it could
be alphabetical or numeric depending upon the mask defined).
You cannot alter the relative position of the constituents of customer account (as defined in
the mask) while maintaining actual customer accounts.
Account Class
In Oracle FLEXCUBE, you can classify the customer accounts of your bank into different
groups. Each group is referred to as an account class and is maintained in the ‘Account Class
Maintenance’ screen. For each class, you have to define certain common attributes
applicable to all accounts in the particular class.
While maintaining a specific account you have to identify the class to which the particular
account belongs. You can select the appropriate account class from the list of all the valid
account classes maintained in the system. Account classes that have surpassed their end
date (expired) will not be displayed in the option list.
Refer the chapter ‘Maintaining Mandatory Information’ in the Core Entities User Manual for
details about maintaining account classes.
Fetch
Fetch button is used to fetch the account number. The system will fetch the account number
if the following ways:

If the Auto Account Generate option is enabled in branch parameter, the system will default the auto-generated account number.

If the Auto Account Generate option is disabled in branch parameter, the system will
popup the account window. You can specify the account number and it will be defaulted
in the main screen.
Branch Code
The system displays the branch code of the sign on branch. If the you have Multi Branch
Access Rights, system allows you to select the branch where the account is to be created.
Note
The branch selection option list will display all the active branches, to which the user has
access.
SD User Reference
The system displays the SD user reference for the account; however, this is not applicable for
CASA.
Private Customer
The system defaults whether the customer is private or not from the customer screen. You
cannot modify this field.
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3.2.1
Capturing Main Details
Account Description
The system displays the customer’s complete name. However, you can modify it, if required.
Here you can enter the nature of the account like current, savings, overdraft, etc. If a customer
has two or more accounts under one account class, you can specify the purpose of that
account.
Note
It is mandatory to enter the account description. If the full name is not maintained at customer level or account description is not entered, the system will display an error message.
Account Type
You have to indicate whether the account is to be opened only by the account holder or
whether it can be jointly operated.
Mode of Operation
Select the mode of operation from the following options:

Single

Jointly

Either Anyone or Survivor

Former or Survivor

Mandate Holder
Account Open Date
The system displays the current branch date. However, you need to specify the date on which
the account was opened.
Address 1–4
Specify the address of the customer.
Location
An address for a customer account is based on the ‘Location’ and ‘Media’ combination.
Location codes maintained through the ‘Account Address Location Type Maintenance’ screen
are made available against this field. The address maintained here is always the primary or
the default address. Each customer can have several addresses for a particular media. To
distinguish between one address of a customer from another for a given media, it is essential
for you to specify a unique location for each address. Also, if you are amending an address
here, the same gets updated in the ‘Customer Account Address - Detailed’ table after the
validations are through.
Media
Indicate the media for which the charge should be levied. Select one of the following options
from the option list:

Mail

Telex

SWIFT

Fax
Country Code
Specify the country of the customer. This adjoining option list displays all valid country codes
maintained in the system. You can choose the appropriate one.
3-4
Note
The country information is captured to enable Mantas to analyse the transactions for possible money laundering activities.
3.2.1.1
Specifying Account Facilities
As part of specifying the account facilities, you can indicate whether the account holder can
avail of the following facilities:

A chequebook facility

A passbook facility

A CAS account facility

An ATM facility
You can indicate that the account holder can avail of a Chequebook, Passbook, ATM facility
by checking the box positioned next to each of these fields.
If you have indicated that the account holder needs to be provided with the check book facility,
you can also specify whether automatic reordering of cheque books should be allowed for the
account. In addition, you will have to maintain the check book details through the respective
screen. Similarly, you can choose to indicate that the account holder needs to be provided
with a Passbook and ATM facility.
Note
Although these specifications are defaulted from the account class screen, where you had
maintained these specifications for all accounts belonging to a class, the options specified
at the account level will supersede that specified for the account class.
Cheque
System checks the box by default if you have selected the option for availing cheque book
facility in account class screen
Passbook
System checks the box by default if you have selected the option for availing passbook facility
in account class screen
This shall be defaulted from the account class screen, where you had defined this facility for
all accounts belonging to a class. The option specified at the account level will supersede that
specified for the account class.
CAS Account
Check this box if you wish to have CAS account facility.
ATM
System checks the box by default if you have selected the option for availing ATM facility in
account class screen.
3.2.1.2
Specifying Initial Funding
You can maintain the following details here:
Account Opening Amount
Specify the amount being deposited to open a customer account. While saving the record, the
system checks whether this amount is equal to or greater than the minimum limit maintained
3-5
for the linked account class. If the amount is less than the applicable limit, the system will
display an error message. If it is equal to or greater than the limit amount, the system will
proceed with saving.
Input to this field will be mandatory if limit amount has been maintained for the linked account
class.
Pay-In Option
Select the method for initial funding during account creation. Choose one of the following
options:

Pay In By Account

Pay In By GL
Offset Branch
Specify the branch code of the account for redemption.
Offset Account
Specify the offset Account. If you have chosen ‘Pay In By Account’, as the pay-in option,
specify the customer account that should be debited while posting accounting entries. The
adjoining option list displays all valid customer accounts and customer GLs maintained in the
system. You can choose the appropriate one.
If you choose ‘Pay In By GL’, the system will display the offset GL maintained for the branch
in the ‘Term Deposit Payin Parameters Maintenance’ screen.
Waive Account Opening Charges
Check this box to indicate that account opening charges should be waived for individual
customer account.
3.2.1.3
Specifying Other Options
Replicate Customer Signature
The signature of the customer gets defaulted from the linked CIF (customer) level to account.
This value will be defaulted only if the customer type is individual with single or joint mode of
operation.
Salary Account
Check this box to indicate the salary account which should be selected for loan recovery on
salary credit. By default this option is unchecked.
IBAN Required
Check this box to capture the details of the IBAN account for a specific customer.,
IBAN Account Number
Specify the IBAN Account Number.
To capture the details of the IBAN account, click the ‘M’ button. The IBAN details sub-screen
will be displayed.
In this screen, you can capture the IBAN Account Number as well as the bank code of the
bank where the IBAN account resides.
Note
The bank code and account number that you specify in this field will be validated against
the Bank Code and Account Number masks maintained in the Branch Parameters screen.
If the account Number that you capture is less than the length of the mask and the mask
3-6
happens to be numeric, the system automatically appends a zero to get the required
length.
After you specify the Bank Code as well as the Account Number the system calculates the
check digit based on the Country Code, Bank Code and Account Number combination.
Alternate Account Number
You have to define an alternate account number for the account you are defining. The
alternate account number that you specify should be unique for each customer. You can
capture the old account numbers used by your bank before installing the Oracle FLEXCUBE
system. The old account numbers would be mapped with the new account numbers. This
would facilitate quick tracking of the account and generating queries.
In the Data Entry Module, you can input a transaction using the alternate account number
instead of the actual account number.
Clearing Bank Code
Specify the external bank’s code that should be used for clearing maintenance. The adjoining
option list displays the valid banks maintained in the system. You can choose the appropriate
one.
Clearing Account Number
The clearing account number for the customer account is generated automatically if you have
opted for auto generation in the Branch parameters. The account number is created
according to the account mask you have maintained for the branch. This will be mandatory,
and has to comply with length of 9 characters and MOD 11 validation, if the value of the UDF
‘Clearing A/C Mandatory’ is maintained as YES in the Field Name to Value Definition screen.
However, you can choose to change this number here and the system validates this number
with the account mask you have maintained for the branch.
3.2.2
Viewing Details of Amounts and Dates
In the Customer Accounts Maintenance - Amounts and Dates screen you can view all
financial details of this customer’s account along with the details of the previous debit or credit
activities. However, access to all financial information of an account can be restricted for any
user. The financial details of an account include the account balance, the sweep eligible
balance, the uncleared debit and credit balances, the debit and credit turnover, and the
interest details. The turnover limit details of an account include the current financial period,
currency, utilized and unutilized limit balances.
3-7
Click ‘Amounts and dates’ button in the Customer Accounts Maintenance screen.
3.2.2.1
Viewing Total Available Balance Details
The total available balance displayed by the system includes the initial funding amount and
unutilized line amount (in case the customer enjoys an OD limit).
In the Amounts and Dates screen, you can view the outstanding debit interest and/or charges
due on the account, as on the current date.
You can also view the amount that can be withdrawn against uncollected funds, on the
account.
The System computes and displays the following
3-8

Allowable amount based on the Withdrawable Uncollected Funds Basis option specified
in the Branch Parameters Preferences screen.

Sweep Eligible balance which is sum of Available balance of Cover accounts, Available
Linked amount of Auto Deposits & Available linked amount of Term Deposits.

ILM Sweep Eligible Balance is sweep eligible balance for integrated liquidity management. Sweep eligible balance is calculated during linking of cover accounts, Auto Deposits and Term Deposit accounts for the first time and is recalculated during:
–
De-linking of cover accounts /Auto Deposits/Term deposits
–
After Sweep in processing
–
After Reverse Sweep in processing
–
Adding new cover accounts, Auto Deposits and Term Deposits
–
Modifying linked amount for Term Deposits
–
Changing Cover accounts status to Debit restricted / Frozen/Dormant
–
Any other event which impacts the balances of Cover accounts / Auto Deposits /
Term deposits
Click ‘F11’ to compute sweep eligible balance. Based on the available balance, an authorizer in a bank authorizes debit transaction on primary source CASA account which
has sweeps arrangement in place. Click ‘Details’ button to view the details

3.2.2.2
If Charge tracking preference is selected as ‘Part track’ or ‘Full track’ then, once the
amount for tracking has been calculated, the system will do the following validations in
IC module:
–
W ill create an internal amount block for the amount to be tracked against the charge
account.
–
The tracked amount will be updated in receivable amount in the CASA account upfront during tracking
–
Once the receivable amount is updated, the available balance will get affected. The
receivable amount is deducted from current balance while arriving at the available
balance.
The receivable amount will be displayed in the Amounts and dates tab of customer account
screen.Viewing Interest details
Accrued interest (Dr/Cr) shows the amount accrued till date on the account.
System displays the outstanding interest due & charge due in these fields. If the check box
Liquidation Using Receivable is checked at the account class level and if the account has
insufficient balance, then system debits interest and charges from the receivable GL and the
same will be displayed in these fields.
3.2.2.3
Viewing Unposted Entries
When this branch is under EOD processing, the inter-branch transactions originated from
other branches are tanked. The funds are made available automatically after BOD and till
such time they are treated as unposted items.
3.2.2.4
Viewing Turnover Limit Details
You can view the account balance status with respect to the turnover balance limit set for the
financial period. You can view the financial period, currency, total deposited amount and the
permissible limit for deposits. The period and limit details are inherited from the limit code
associated with the parent account class.
3-9
During every credit transaction on the account, the system updates the limit utilization and
checks the balance amount against the permissible threshold. On account of a transaction, if
the balance breaches the limit threshold, the system will display an override message.
3.2.2.5
Viewing Component-wise Breakup for Overdraft
You can view the component-wise outstanding amounts in ACY and the component-wise
oldest outstanding dates for overdraft accounts.
3.2.2.6
Viewing Turnover Amounts
In the Customer Account - Turnover Amounts screen you can view the total turnover of this
customer account from the first date of this month to the current day’s system date. Also, you
can view the accumulated interest associated with debit or credit transactions after the last
liquidation.
To view the turnovers for the account, click the ‘Turnover’ button. The Customer Accounts Turnover Amounts screen is displayed.
After maintaining the required details, you can return to the Amounts and dates screen.
Status Details
The account status reflects the status of the account. The account may have a No Credit or
No Debit order issued against it or a Stop Payment order or it may have been frozen for some
reason and therefore dormant.
While posting transactions to the customer account, the system checks the status of the
account before the entry is processed. If the status of the account is dormant, then the system
will display an override message indicating the same.
NSF Blacklist Status (Non Sufficient Fund)
NSF Blacklist Status indicates that the customer account is blacklisted due to NSF rejection.
If cheque is rejected or returned due to NSF, the blacklisted formula is executed to get the
new NSF level of the customer. If the new NSF level is a blacklisted level, then the customer
account will be marked as a blacklisted and check book facility of all the customer’s accounts
will be revoked.
3-10
In case the new NSF level is not a blacklisted level, then the customer is marked as a nonblacklisted customer and check book facility will be enabled for that customer account.
For Joint account:

If cheque is rejected due to NSF in a joint account, all of the customer’s NSF level will
be changed from Level 1 to Level 2 and so on.
Corporate or individual accounts:

If the blacklisted customer, is an authorized signatory in a corporate account, then the
corporate account will not be frozen.

If a corporate customer is blacklisted due to cheque return, then the authorized signatories are not blacklisted and their individual accounts will not be blacklisted.
Note
NSF blacklist status is an indicator in the account to indicate the blacklist status. System
will continue to support the credit or debit transaction of the account.
3.2.2.7
Specifying Nominees
First Nominee
You can nominate two persons who would have the right to the balances in your account after
the account holder’s demise
Subsequent to the account holder, the first nominee is called to claim the balances in the
account. If the first nominee is no more or is missing then the second nominee is called upon
to claim the balances in the account.
Second Nominee
You can nominate two persons who would have the right to the balances in your account after
the account holder’s demise.
Subsequent to the account holder, the first nominee is called to claim the balances in the
account. If the first nominee is no more or is missing then the second nominee is called upon
to claim the balances in the account.
3-11
3.2.3
Capturing Auxiliary Details
Click on the ‘Auxiliary’ tab to invoke the following screen.
3.2.3.1
Capturing Cheque Book Preferences
Auto Reorder of Cheque Book
Check this box to automatically generate a reorder for chequebook, based on the number of
leaves outstanding. This field will be enabled only if you have checked the ‘Cheque Book’
Check box.
Reorder Cheque Level
This field specifies the level at which the re-order of cheque book happens. Re-ordering of the
check book is possible, only if the unused cheque leaves is equal or less than the re-order
level. This field will be enabled only if you have checked the 'Auto Re-order of Cheque book'
check box.
3-12
Reorder No of Leaves
This field specifies the number of leaves, which should be ordered for the new cheque book
. This field will be enabled only if you have checked the ‘Auto Re-order of Cheque book’ check
box.
Cheque Book Name1 & Cheque Book Name 2
Specify the name mentioned in the cheque book, while printing the cheque leaf.
Note
It is mandatory to specify cheque Book Name1 if the cheque book box is enabled in main
screen.
Max No. of Cheque Rejections
The system defaults the value of maximum number of cheque rejections that can be allowed
for an account from the account class. However, you can modify it at the account level.
Notes
–
If ‘Max No of Cheque Rejections’ is not maintained at customer account maintenance, system will not mark the cheque facility to ‘N’ for any number of cheque rejections.
–
If the bank resets the check book facility to ‘Y’ which was earlier updated to ‘N’ by
the system because of violation of max no of check rejections, the cheque rejection
count will be taken by the system freshly.
–
An override message is displayed when the user manually updates the cheque
book facility from ‘N’ to ‘Y’.
Auto Cheque Book Request
Check this box if you want the system to create a request for the cheque book automatically,
for the account during account creation.
When you check this box, the system allows you to capture cheque book request details in
the Cheque Book Request screen, as part of account creation.
3.2.3.2
Capturing ATM Details
Branch
Specify the branch code of the account.
ATM Account Number
Specify the ATM account number in this field only if you have opted for the ATM facility for
that account. The ATM account number which is a numeric value will be used only for
information purpose and no further processing will be done based on this field.
Daily Amount Limit
Specify the daily limit of the amount that can be withdrawn from the ATM.
Daily Count Limit
Specify the maximum number of times the customer is allowed to use ATM facility in a day.
Auto Debit Card Request
Check this box, if you want the system to create a request for the debit card automatically, for
the account during account creation.
3-13
When you check this box, the system allows you to capture debit card request details in the
Debit Card Request Details screen, as part of account creation.
3.2.3.3
Specifying Other Options
Euro Cheques
Euro chequebook can be issued to a customer whose account has checked for 'Euro
cheques' option in the customer account maintenance screen the account should be a
account with EUR currency only.
MT210 Required
Notice to Receive message (MT210) is an advance notification to your account servicing
institution that it will be receiving funds that are to be credited to your bank’s account with that
institution.
For a nostro account, you can specify whether the nostro agent (your account servicing
institution) prefers to receive a Notice to Receive SWIFT message (i.e., MT 210) when it is
debited in the case of a funds transfer. To indicate that the message MT 210 is to be
generated by default whenever the Nostro account is the debit account for a funds transfer,
select the 'MT 210 Required?' check box in the Customer Accounts Maintenance screen, for
the relevant Nostro account.
If you indicate so, an MT 210 is generated by default whenever this nostro account is being
debited during the posting of accounting entries in any transaction. This preference (to
generate an MT 210 by default) can be over-ridden when you enter a contract involving a debit
to the nostro account.
Once you have specified this preference for a nostro account, you can change it whenever
necessary. For instance, if you have not specified that an MT 210 be generated, you can
unlock the record and specify the generation of MT 210. Conversely, if you have specified that
MT 210 generation is applicable, you can unlock the record and specify that it is no longer
applicable.
Lodgement Book (Deposit Slip Book)
If you have allowed the use of lodgment books for an account class, this specification is
defaulted for all customer accounts that use such a class. You can change the Account Class
default and make the required specification.
If you wish to allow orders of lodgment books for individual customer accounts, you can
indicate so, in the Customer Account Maintenance screen, by selecting the Lodgment Book
option.
Consolidated Certificate Required
You need to indicate whether consolidation for inward clearing is required at the Customer
Account level. This option gets defaulted from the Account Class Maintenance screen. If this
option is unchecked in the Account Class Maintenance screen, then it cannot be enabled
here.
This option will process a consolidated entry for all the transactions for a customer in an
inward clearing batch.
Please refer Clearing user manual for more information.
Back Period Entry Allowed
You can choose to allow the posting of back-valued entries into the account by enabling the
Back Period Entry Allowed option. If you choose not to restrict back period entries, you will be
allowed to post journal entry transactions to past periods as long as the account is open.
3-14
This specification is defaulted from the account class linked to the account. You can choose
to change it for a specific account.
Note
While posting back-valued transactions, the System verifies whether the Back Period Entry Allowed option has been enabled for the account. If the option has not been enabled
an error message is displayed. This check is also performed while uploading journal entry
transactions.
CRS Statement Required
Check this box to indicate that CRS statement is required.
MT110 Reconciliation Required
Check this box to indicate that the MT110 reconciliation is required for the cheques received
for the account.
If the ‘Positive Pay’ option is selected, then MT110 reconciliation is not applicable.
To know more details about MT110 reconciliation, refer heading ‘Processing MT110 Incoming
Message’ in this chapter.
Default Waiver
This field allows default waiver of charges for clearing related transactions.
Track Receivable
During liquidation of loan contracts as well as processing of retail teller contracts, if the system
detects insufficient funds in the settlement account, then you can choose to block the
subsequent credit that happens to the settlement account. In other words, the system will
track the account for receivables (credits). As and when a credit happens, the funds will be
allocated to the loan or retail teller contract, for liquidation. If the track receivable option is
checked for the account, the system will track the receivables for the account if sufficient
funds are not available in the account.
The allocation of funds will happen in a sequence that you specify at the account class level.
This is explained in the section titled ‘Maintaining Account Classes’.
Referral Required
Referral refers to the process of handling customer transactions, which force the accounts
involved in such a transaction to exceed the overdraft limit. Examples of typical transactions,
which force an account to move into overdraft, are Payment and Collections, Funds
Transfers, Standing Instructions or Clearing transactions. Note that you should have checked
the box ‘Referral Required’ in the product preferences screen of the aforesaid modules and
the Clearing product applicable to them. The ‘Referral Required’ option is defaulted from the
account class linked to the account. You can change it for a specific account. If an account is
marked for referral, the details of transactions resulting in the account moving into Overdraft
will be sent to the referral queue. Note that charge, fee or interest debited to the customer
account will not be referred to the Referral Queue. You can view referral transactions in the
‘Referral Queue Summary’ screen
For further details on Referrals refer to the Processing Referrals in Oracle FLEXCUBE
chapter of the Core Entities User Manual.
Project Account
Check this box to track the working capital of the project.
3-15
This account will have a temporary overdraft line attached and banks will use this feature to
fund working capital. The system will calculate the interest based on the T-OD used in the
commitment contract.
Whenever project account is credited or debited, utilization transaction will be triggered in
limits based on the limit with lowest interest bearing. If no interest rate is available, it will use
the first available line.
This transaction will cascade to joint venture holder limits tracking which will utilize respective
lines to the ratio of their share.
Spend Analysis
Check this box to enable spend analysis for the account. If you check this box, the system will
consider all debit transactions from this account for spend analysis. If you do not check this,
the system will not consider the transactions for spend analysis.
3.2.3.4
Specifying Statuses
No Debits
No debits can be posted to the account. For example, Silas Marner, a customer of your bank,
going abroad for a year instructs you not to debits his account till his return. You can execute
this instruction by checking this box.
No Credits
No credits can be posted to the customer account by enabling the check box positioned next
to this field
Stop Payments
If a stop payment instruction is issued (for a cheque or an amount) against the account
number, the system will automatically check the ‘Stop Payment’ box. When the stop payment
instruction is withdrawn, the status gets updated accordingly. If a customer has requested for
stop payment of multiple cheques, the ‘Stop Payment’ option will continue to remain checked
till the last request is also cancelled. After cancellation of the last stop payment instruction,
the option gets updated (unchecked) immediately.
Dormant
The system updates this status for an account based on the dormancy days specified in the
Account Class Maintenance screen
Frozen
If you have frozen a customer account in the ‘Customer Information Maintenance – Basic’
screen the accounts gets frozen. For instance, at the behest of a court order, the status of the
account is reflected here in the ‘Customer Accounts Maintenance’ screen.
Posting Allowed
The system checks or unchecks this check box based on the value maintained at Account
Class level.
This check box facilitates Inter-branch Accounting through Entity/Accounts instead of GLs.
The accounts maintained for these Inter-Branch transactions are used only for posting system
generated Inter-Branch entries and not for any direct posting using ‘Journal Entry’ or Teller
Transaction screens.
Status Change Automatic
This specification will be defaulted from the account class to which the account belongs.
However, you have the option of changing it at the customer account level. If you check this
option, the status of the account will be changed automatically by the system as per the
conditions maintained in the ‘Status Rule Definition’ screen (invoked from the Account Class
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Maintenance screen). If you do not select this option, you have to change the status manually
through the ‘Manual Status Change’ screen.
For details on conditions maintained in the ‘Status Rule Definition’ screen, refer the chapter
‘Maintaining Mandatory Information’ in the Core Entities user manual.
Overdraft
The system displays a check in the check box if the customer account has overdraft facility.
The system checks or un-checks the check box based on the information available in Account
Class Maintenance.
Note
If you want to amend any of above statuses, you can do only via 'Manual Status Input'
screen.
3.2.3.5
Specifying Status Details
Status
At the time of maintaining a customer account for the first time, the account status will be
‘NORM’ (Normal) by default. The ‘Status Since’ field will display the current system date i.e.
the date on which the account is maintained in the system. The system will update the status
whenever a status change occurs. Therefore, at any point of time, this field will display the
current status of the account. The ‘Since’ field will reflect the date on which the account moves
to the current status.
Subsequently, the system will default the value of CIF Status as available in the ‘Customer
Maintenance’ screen. This status is the worst status among all the loans, savings accounts
and current accounts for the customer in the current branch.
Note
This is done if you have opted for status processing at the ‘Group/CIF’ level as part of your
branch preferences.
Since
The date on which the status of the account is changed to the current status is displayed here
Propagate Reporting Details
This field indicates whether the reporting lines defined for status movement, for the account
class that this account reports to, must also be applicable to it.
The following GL’s are defined in the Account Class Maintenance for posting account
balances when a status movement occurs on any accounts belonging to the account class:

The Debit and Credit GL’s to which account balances must be posted, for movement to
each status

The Central Bank Reporting Debit and Credit GL’s

Head Office Reporting Debit and Credit GL’s
When you select this option, the GL’s maintained for the account class will be applicable to
the customer account you are defining in this screen. The reporting lines will be propagated
to the account whenever a status change occurs.
If you do not want the account class details to be propagated to the account as well, you have
the option of maintaining the status codes and the reporting lines exclusively for an account.
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You can achieve this through the ‘Status Details’ screen. Click the ‘Account Status’ button in
the Customer Accounts Maintenance screen to invoke it.
Account Auto Closed
The system checks this box to indicate that the account has been closed automatically
through the auto account closure feature. You will not be allowed to modify this.
Account Derived Status
The system displays the current status of the account here. This is applicable for CASA
accounts (current accounts and savings accounts)
Dormancy Parameters
If Transaction Code associated with the account has the Consider for Account Activity option
enabled, the dormant status of the account will be updated to Active. Apart from this, you can
specify the parameter that is required for re-activating the account. Choose from the following
options to indicate the re-activation parameters for the dormant account.

Debit – If you do any debit transaction the dormant check box will be unchecked automatically

Credit – If you do any credit transaction the dormant check box will be unchecked automatically

Any – If you do any credit/debit transaction, the dormant check box will be unchecked
automatically

Manual – The dormant check box needs to be unchecked manually from the 'Manual
Status Change' screen
In case of a transaction, the system will check for the parameter you have specified here and
accordingly change the status of the account. The parameter you specify here will supercede
the parameter you have maintained at the account class level.
3.2.3.6
Specifying Intermediary Options
Intermediary Required
Check this box to link Intermediaries with CASA.
Intermediary Code
Specify the intermediary code from the adjoining option list.
Intermediary Description
The system gives a brief description about intermediary code.
Intermediary Ratio
Specify the ratio of individual intermediary contribution against the CASA account.
3.2.3.7
Capturing Escrow Transfer Details
Escrow transfer processing refers to transfer of certain percentage of credit amount that
comes to project account (Trust account) to the designated account (Escrow account). This
is based on defined transaction codes and cut-off time defined for the account currency.
Transactions with the transaction code and credit account for which the box ‘Escrow
Processing’ is checked in the ‘Transaction Code Maintenance’ screen are considered for the
Escrow sweeps. The system computes percentage of credit amount and places an amount
block on project account.
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You can view the details of such system generated Escrow amount blocks using the ‘Amount
Block Maintenance’ screen (CADAMBLK) wherein the field ‘Amount Block Type’ will display
‘Escrow’.
Escrow Transfer Applicable
This box is checked by default if the customer account belongs to an account class for which
Escrow transfer is enabled.
Note
This box should be checked for Project/Trusted account(s) only.
Branch Code
Select the branch code in which the Escrow account has to be created from the adjoining
option-list.
Escrow Account
Select a valid account to be used as an Escrow account from the adjoining option-list. The list
displays all valid accounts based on the selected Escrow branch and the currency of the
project account.
Note
The system does not allow the circular linkage of Project account and Escrow accounts.
Escrow Percentage
Specify the percentage of the credited amount, which has to be transferred to the Escrow
account.
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Note
The Escrow percentage specified here will be same for all transactions and will not vary
for different credits like cash, cheque, draft etc.
3.2.3.8
Capturing Provisioning Details
An account inherits the provisioning parameters defined for the account class it uses. You can
change the defaulted parameters and make the following specifications, as required, in the
Provision Details section of the Customer Account Maintenance screen:
Auto Provisioning Required
You can indicate whether the provisioning for bad loans in corporate loans and deposits
module is applicable for the account. If you indicate so, the provisioning batch, when
executed, picks up the account for provisioning.
Exposure Category
If the logic for deriving the exposure category of the CIF or customer group to which the
customer belongs, based on the total exposure, has been maintained in the Exposure Type
Category Linkage maintenance, then the exposure category of the account is identified. If no
logic has been maintained, you can specify the exposure category in the Customer Account
Maintenance screen.
Risk Free Exposure Amount
You can indicate the risk-free collateral amount that would be used in computing the
provisioning amount for the account.
Provisioning Currency
You can indicate the currency in which the provisioning amount must be calculated – either
account currency or local currency. This specification is defaulted from the preferences for the
account class used by the account, and you can alter it if necessary.
In addition to the provisioning preferences listed above, you must also indicate the applicable
provisioning percentage and the discount percentage details in the Provision Percentages
screen that you can invoke by clicking on the ‘Provisioning Percentage’ button in the
Provisioning Details section of the ‘Customer Account Maintenance’ screen.
Account Number
The system displays the customer account number
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Status
Specify the status of the account for which you are maintaining provisioning percentages. The
adjoining option list displays all valid status codes maintained in the system. Select the
appropriate one.
Provision Percent
If you wish to indicate a specific provisioning percentage to be applicable for the account, you
can specify it in the Provisioning Percentage screen.
If you do not specify any provisioning percentage, the provisioning batch picks up the
applicable provisioning percentage from the Exposure Provisioning Percentage Maintenance,
for the exposure category of the account and the account status.
Discount Percentage
If you wish to indicate a specific discount percentage to be applicable for the account, you can
specify it in the Provisioning Percentage screen.
If you do not specify any discount percentage, the provisioning batch picks up the applicable
discount percentage from the Exposure Provisioning Percentage Maintenance, for the
exposure category of the account and the account status.
3.2.3.9
Capturing Positive Pay
Positive Pay
For the account you are maintaining, you can specify whether you want positive pay facility
for the account or not. When a check comes in for payment, the system validates for any
unpaid record only for those accounts that are under positive pay. For all the other accounts
that are not specified for positive pay, the system does not do any validation before making
payments for the checks.
Funding
If you enable ‘Funding’, accounting entries will be posted by the Positive Pay maintenance/
upload table for the positive pay transaction. You have to enable ‘Positive Pay’ to make use
of ‘Funding’ functionality. If ‘Positive Pay’ is not enabled, ‘Funding’ option will not be
applicable.
If ‘Funding’ is not selected, accounting entries will not be passed for positive pay transactions.
Note
You cannot enable both ‘Deferred Reconciliation’ and ‘Funding’ functionalities. You have
to choose between either of them for a particular account.
Mod 9 Validation Required
You can enable Mod 9 Validation for positive pay accounts only. Only if positive pay enabled
then Mod 9 Validation will be active.
In the case of inward clearing of Positive Pay files, if Modulo 9 is enabled for the product, the
system performs a Modulo 9 Validation on any new cheque. If the cheque fails modulo 9
validations the system will display an error message on save. In case of check replacement
the Modulo 9 Validation is done for the new check number while in case of alphanumeric
checks, the system throws an error message if modulo 9 validation is checked.
When uploading a positive pay cheque the system will perform a Modulo 9 Validation if
Modulo 9 validation is enabled for the product. If the validation fails, this particular check will
not be uploaded. The same will be valid in case of Cheque Replacement while for
alphanumeric checks, system will skip the check and display an error.
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Stale Days
If you have specified a positive pay facility for the account you are maintaining, then you have
to indicate the number of stale days for the transaction. If the date of processing happens after
the specified stale date then the transaction gives an exception error. You have to do an
override for this exception.
Fund Branch
Click on the adjoining option list to choose from the list of branches maintained. The positive
pay parking account will be picked from this branch.
Deferred Reconciliation
Enabling this check box indicates whether or not the Positive Pay account has the Deferred
Reconciliation facility. Deferred Reconciliation is the facility wherein a Positive pay cheque,
which is free of any disparity, is cleared by the bank even in the absence of any instruction
from the drawer of the cheque. The instruction can be deferred. Deferred Reconciliation
function goes hand-in-hand with the Positive Pay described above and Deferred
Reconciliation is applicable only for Positive Pay Accounts

If Positive Pay = No and Deferred Reconciliation = No, the cheque is subjected to the
usual validations and is Rejected if:
–
There is any discrepancy in the instrument
–
There is a Stop payment instruction issued against the instrument

If Positive Pay = Yes and Deferred Reconciliation = No, Cheque is subject to the usual
validations and processing

If Positive Pay = Yes and Deferred Reconciliation = Yes, and if any one or more of the
three fields viz. Branch, Account No., Cheque No. , does not match with the Positive Pay
instruction, the cheque will be put under Deferred Reconciliation as Unreconciled

If this unreconciled cheque comes in for clearing once again with the same set of parameters, it is Rejected

If Positive Pay instruction is received for an Unreconciled cheque, it is marked Reconciled and the cheque status is marked Liquidated

If Positive Pay = Yes and Deferred Reconciliation = Yes, and the Amount field does not
match with the Positive Pay instruction, the check is Rejected outright
All data pertaining to reconciled and unreconciled cheques are maintained and information
regarding account no., cheque no., amount and status of the instrument [reconciled or
unreconciled] can be retrieved if needed.
An EOD batch function will purge all reconciled cheques as part of the clearing batch process.
During the upload process, validation is done against all the positive pay, the deferred
reconciliation flags combinations, and all Unreconciled Positive Pay Instructions are marked
as Reconciled and liquidated.
Deferred reconciliation will be overridden by a stop payment instruction if any. An error
message (or an override) will be shown if a Cheque that comes in for clearing has a stop pay
instruction against it but has no positive pay instruction.
Funding Account
Click on the adjoining option list to choose the account into which funds have to be transferred
on receipt of a positive pay instruction. The accounts that satisfy the following conditions will
be available in the list of ‘Positive Pay Parking Account’:

Both accounts belong to the same customer

The currency of both the accounts is the same
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Validation Digit
Validation digit will be having values only 0 and 9. If validation digit is 9, then 9 - mod 9
remainder for the check number (Excluding the check digit) should be equal to the check digit
for the check to be passed else the check is rejected.
The check digit is the last digits of the check i.e. if check number is 1800 then check digit is
0. The mod 9 remainder of the check number should be equal to the check digit for the check
to be passed if validation digit in customer accounts maintenance is 0 else the check is
rejected.
3.2.3.10 Capturing Sweep
Enable Sweep In
The system checks or unchecks the check box based on the status maintained at Account
Class Maintenance level.
Enable Reverse Sweep in
The system checks or unchecks the check box based on the status maintained at Account
Class Maintenance level.
3.2.3.11 Viewing Passbook Details
System displays the passbook details here,
Passbook Number
The system displays the latest passbook number. You cannot modify the value.
Passbook Status
The system displays the current status of the passbook. You cannot modify the value
Note
Passbook details get populated once the passbook is issued for the customer account with
the latest status and latest passbook number issued.
3.2.3.12 Specifying Turnover Limit Preferences
The account inherits the turnover limit code linked to the parent account class.
Turnover Limit Code
The system displays the turnover limit code applicable to the account.
3.2.3.13 Specifying Other Options
Default Waiver for Maintenance Screen
The system checks this box by default, to indicate that maintenance charge is waived.
3.2.4
Sweep In and Sweep Out Batch Processing
The Sweep In and Sweep Out process is handled by an EOD batch STSWEEP. All the utilized
deposit accounts in a day are fetched by the batch STSWEEP due to CASA linkage. The
amount block is then released to the CASA account by breaking the deposit.
Sweep In Process
During Sweep In Process the system:
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
Releases the amount blocked for the deposit accounts for the utilized amount.

Transfers the amount to relevant CASA account.

Updates the deposit account balance.
Note
Other deposits are considered only after utilizing cover account created for account.
Sweep Out Process
During Sweep Out process the system:

Check for the credit balance in the CASA account.

Transfer the credit balance or the linked amount to the relevant deposit account.

Updates the utilized amount for the transferred amount.
Note
Other deposits are considered only after utilizing cover account created for account.
3.2.5
Specifying Nominee Details
Click ‘Nominee’ tab in the ‘Customer Accounts Maintenance’ screen in order to capture
nominee details for the account.
Specify the following details:
Name
Specify the name of the nominee of the account.
Date of Birth
Specify the date of birth of the account nominee.
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Relationship
Specify the relationship that the nominee shares with the primary account holder.
Address 1 – 4
Specify the address of the nominee.
Minor
Check this box to indicate that the nominee is a minor (less than 18 years old).
Guardian Name
In case the nominee is a minor, specify the name of the nominee’s guardian.
Relationship
Specify the relationship that the nominee shares with the guardian.
Address 1 – 4
Specify the guardian’s address.
3.2.6
Capturing Checklist Details
Click the ‘Check List’ tab from the ‘Customer Accounts Maintenance’ screen to capture the
details of document types that are to be maintained.
Specify the following details:
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Document Type
Specify the document type. The adjoining option list displays all the document types that are
maintained in the system. You can select the appropriate one.
Mandatory
Check this box to indicate that the document specified here is mandatory.
Expiry Date
Specify the expiry date of the document provided by the customer.
Note
Expiry date will always be greater than ‘Expected Date of Submission’ and ‘Actual Submission Date’.
Expected Date of Submission will always be greater than current date.
Expected Date of Submission
Specify the expected date on which the customer is accepted to submit the required
documents.
Actual Date of Submission
System displays the actual date on which customer has submitted the required documents.
Document Reference
System defaults the document reference here.
Checked
Check this box to indicate that the received documents are acknowledged.
Note
You cannot save and authorize an account if the mandatory documents are not confirmed
as ‘Checked’.
Upload
Click on this button to upload the selected document type.
Delete
Click on this button to delete the selected document.
View
Click on this button to view the selected document.
Document Notification Details
System defaults notification details from the ‘Account Class Maintenance’ screen.
Send Notification
This check box indicates whether to send notifications or reminders for not submitting the
mandatory documents.
Reminder Frequency (Notification)
System defaults the frequency of notification to be sent. The frequency can be one of the
following:

Daily
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
Weekly

Monthly

Quarterly

Half yearly

Yearly
Notes
Notification will be sent only if,
–
The check box ‘Send Notification’ is checked in Account Class Maintenance’
screen.
–
The account status is active and authorized.
–
The mandatory documents are not submitted.
Notifications will be sent based on the frequency specified.
First notification will be sent on the expected date of submission or expiry date
If notification date falls on a holiday then system will send the notification on next working
day.
Days (Reminder)
System defaults the number of days left for the expiry or submission due date of the
documents for sending the reminder.
System will send the following reminders:

Reminder prior to the submission due date of the document.

Reminder prior to the expiry date of the document.

Overdue notifications after the due date if the document is not submitted based on the
frequency.

Notifications after the expiry date if the document is not submitted after the expiry date.
Note
Reminder will be sent only if,
–
The mandatory documents are not submitted.
–
The account status is active and authorized.
Reminder will be sent only once.
If reminder date falls on a holiday then system will send the notification on next working
day.
Reminder will be sent prior the number of days specified at the account level from expected date of submission or the expiry date.
If there are more than one notifications or reminders of the same message type for which the
notification schedule date falls on the same day for the same account, a single notification will
be sent which will have the details of all the related documents.
Remarks 1 to 10
Specify the additional information, if required.
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3.2.7
Capturing Additional Details
You can capture additional details for the account by clicking the following buttons in the
‘Customer Accounts Maintenance’ screen:
Button
Function
Interest
This invokes the ‘IC Special Conditions Maintenance’ screen.
Charges
This invokes the ‘Account level charges conditions’
screen.
Consolidated
Charges
This invokes the ‘Account Level Consolidated
Charges Conditions’ screen.
BIC
This invokes the ‘Authorized SWIFT BICs for Customer Account’ screen.
Instructions
This invokes the ‘Account Operating Instructions
Maintenance’ screen.
Standing Instructions
This invokes the ‘Instruction Diary Summary’
screen.
Linked Entities
This invokes the ‘Linked Entities’ screen.
REG
This invokes the ‘REG Details’ screen.
Account Status
This invokes the ‘Status Details’ screen.
Restrictions
This invokes the ‘Products and Transaction Codes
Restriction’ screen.
Currency Limits
This invokes the ‘Limits’ screen.
MIS
This invokes the ‘Management Information System’
screen.
Statement
This invokes the ‘Statement Details’ screen.
Limits
This invokes the ‘Account Limits’ screen.
Joint Holders
This invokes the ‘Joint Holder screen.
Fields
This invokes the ‘UDF’ screen.
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Button
Function
Deposits Instruction
This invokes the ‘Deposits Instruction’ screen.
Billing Parameters
This invokes the ‘Billing Parameters’ screen.
Account Signatory
This invokes the ‘Signatory Details’ screen.
Interim Transactions
Report
This invokes the ‘Interim Transactions Report’
screen.
Notice
This invokes the ‘Notice Preferences’ screen
Cards
This invokes the ‘Cards Summary’ screen.
Statistics
This invokes the ‘Account Statistics’ screen.
Cheque Book
Request
This invokes the ‘Cheque Book Request’ screen.
Debit Card Request
This invokes the ‘Debit Card Details’ screen.
Sweep In Setup
This invokes the ‘Sweep Structure Maintenance’
screen,
Documents
This invokes the ‘Document Upload’ screen,
Change Log
This invokes the ‘Customer Address Change Log’
screen.
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3.2.8
Specifying Interest Details
You can capture details of interest for the account, using the ‘IC Special Conditions
Maintenance’ screen. Click the ‘Interest’ button in the ‘Customer Accounts Maintenance’
screen to invoke this screen.
Specify the following details:
Interest Booking Branch
By default, the customer’s account in the current branch will be displayed in this screen (in the
Interest/Charge Booking Account and Interest/Charge Booking Branch fields). However, you
have the option of booking interest/charge to a different account belonging to another branch
also. You can select the Interest/Charge Booking Branch from the option-list available. ]The
accounts maintained in the selected Booking Branch will be available in the option-list
provided for Interest/Charge Booking Account. You can select the account from this list.
Interest/Charge will be liquidated into the selected account.
Interest Booking Account
You can select the accounts for booking interests on transactions processed at your bank.
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At the time of creating an IC product, if you have maintained the booking account type as
Interest (in the ‘Interest and Charges – Product Definition’ screen), the Interest will be
liquidated into the Interest Booking account. By default, the customer’s account in the current
branch will be displayed in this screen (in the ‘Interest Booking Account’ field). However, you
have the option of booking interest to a different account belonging to another branch also.
The accounts maintained in the selected Booking Branch will be available in the adjoining
option list. You can select the appropriate account. Interest will then be liquidated into the
selected account.
Calculation account
Specify the calculation account. When you specify a calculation account, then all balances
and turnovers for the specified account are clubbed with the balances and turnovers for the
combined account for calculation purposes.
Charge Booking Branch
By default, the customer’s account in the current branch will be displayed in this screen (in the
Interest/Charge Booking Account and Interest/Charge Booking Branch fields). However, you
have the option of booking interest/charge to a different account belonging to another branch
also. You can select the Interest/Charge Booking Branch from the option-list available. The
accounts maintained in the selected Booking Branch will be available in the option-list
provided for Interest/Charge Booking Account. You can select the account from this list.
Interest/Charge will be liquidated into the selected account.
Charge Booking Account
You can select the accounts for booking charges on transactions processed at your bank
At the time of creating an IC product, if you have maintained the booking account type as
Charge (in the ‘Interest and Charges – Product Definition’ screen), the charge will be
liquidated into the Charge Booking account. By default, the customer’s account in the current
branch will be displayed in this screen (in the ‘Charge Booking Account’ field). However, you
have the option of booking charge to a different account belonging to another branch also.
The accounts maintained in the selected Charge Booking Branch will be available in the
adjoining option list. You can select the appropriate account. Charges will then be liquidated
into the selected account.
Interest Statement
You can also indicate if you would like to generate an interest statement for the account. The
Interest Statement will furnish the values of the SDEs and UDEs and the interest rule that
applies on the account.
Consolidated Charge Branch
By default it will be same as the current branch. However you can select the branch of the
consolidated charge account from the adjoining option list.
Consolidated Charge Account
The consolidated charge will be a group of charge products that are linked to one IC product.
Select the account that is identified as the master account for collecting the consolidated Fall
Below Fee.
The Fall Below Fee is a kind of fee that is charged if sum of average monthly balance of all
the accounts is less than the minimum required balance.
Notes
–
The master account should be in the same currency as of the other account currencies.
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–
For the master account, the field should be left blank. This master account is maintained as consolidated charge account on the other set of accounts.
–
All the accounts should be belonging to the same customer.
–
The Fall Below Fee is waived if the master account or any one of the account has
overdraft facility.
Dr Cr Advices
You can indicate whether you want to generate an interest liquidation advice for a customer
account. Check the ‘Debit/Credit Advices’ box to indicate that the system must generate
payment advices when interest liquidation happens on an account. The advices are
generated in the existing SWIFT or/and MAIL format. No advices will be generated if you
leave this box unchecked.
The preference you have made in the Customer Account Class screen will be defaulted here.
However, you can choose to change your preference to generate or suppress these Advices.
Interest Start Date
For the account for which you are defining special conditions, you must specify the date from
which you would like to apply interest. Interest for this account will be calculated according to
the special conditions that you define subsequently.
Charge Start Date
For the account for which you are defining special conditions, you must specify the date from
which you would like to apply charges. Charges for this account will be calculated according
to the special conditions that you define subsequently.
By default, charges on an account would be applied when the free banking period (if any)
elapses. This means that the Charge Start Date is arrived at by the System by adding the Free
Banking Period days (if any, specified for the account class used by the account) to the
Account Opening Date. If no Free Period has been indicated for the account class used by
the account, the Charge Start Date is defaulted to the Account Opening Date (that is, charges
on the account would be applied right from the account opening date) and displayed in the
Special Conditions Maintenance screen.
You can override the default Charge Start Date and specify the desired start date for charge
application.
Product
To calculate interest for an account, you must apply an interest product on the account. To
recall, every interest product that you create is linked to an interest rule. The logic to calculate
interest is built into an interest rule. When you apply an interest product on the account,
interest for the account will be calculated according to the interest rule definition.
For the account for which you are defining special conditions choose the product(s) that you
wish to apply. To recall, you can define a Special Condition for an account only if the account
class of the account has a General Condition defined for the product. Thus, the picklist from
where you select the product for which you want to define a Special Condition will contain
products that satisfy one of the following conditions:

a General Condition has been defined for the product and account class combination

the product has been defined as a special conditions only product
The interest rule that is linked to the product(s) will determine the interest that is applied on
the account.
You may want to apply more than one interest product on an account. For example, you may
want to pay credit interest on the credit balance maintained in a current account and levy a
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debit interest if the account lapses into a debit balance. In order to achieve this, you would
have to apply two products (one defined for credit interest and another defined for debit
interest). In this screen, you can choose the interest products that you want to apply on an
account.
Note
The UDE currency, defined for the product (in the Interest Product Preferences screen)
that you apply on the account, is displayed. Note that the UDE values that you specify for
the account subsequently will be taken to be in this currency.
You can opt to generate an advice, for the benefit of the customer, when the values of the
UDEs defined for the interest rule change.
Generate Rate Change Advice
Check the box ‘Generate UDE change advice’ at account level, to indicate that interest rate
change advice has to be generated for the account at EOD. System generates interest rate
change advices for Customer Accounts and Savings accounts when the interest rate changes
as part of EOD. For those accounts, when interest rate changes the details are handed off for
rate change advice generation and the same is generated in the pre determined swift format
as per MT 935.
The advice tag used for interest rate change is RTCHG_ADVICE.
The advice format for interest rate change as per MT935 is given below:
Content/
Options
Status
Tag
Field Name
M
20
Transaction Reference Number
16x
Unique Transaction
Reference Number
generated by system
O
23
Further Identification
16x
Specifies the kind of
interest rate
Remarks
Field 23 populated
as per account class
type.
IF Class Type is S or
Y
Tag will be populated
with Currency+’DEPOSIT
If Class Type is C
Tag will be populated
with Currency+CURRENT
O
25
Account Identification
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35x
Customer Account
Number for which
advice is generated
Content/
Options
Status
Tag
Field Name
M
30
Effective Date of New
Rate
6!n
Effective date of New
interest rate in YYMMDD format
M
37H
New Interest Rate
1/12d
Indicator (C or D
depending on
whether new interest rate is a credit or
debit rate) & New
interest rate in decimal comma format.
O
72
Sender to Receiver
Information
35x
Remarks
M = Mandatory, O = Optional
A rule identifies the method in which interest or charge is to be calculated. An interest rule
consists of System Data Elements and User Data Elements.
When you apply a product on an account (while defining special conditions for it), interest for
the account will be calculated according to the interest rule that you have linked to the product.
That is, you merely define the following:

how the principal should be picked up from the account

the period for which you want to apply interest

the type of rate (not the numeric value) that should apply
You now have to specify the numeric values of all the UDEs that you identified for the interest
rule. The value that you specify here will be used to calculate interest for the account.
All the UDEs that you have identified for the rule (to which the product is linked) will be
displayed here. The UDEs that are displayed here can be of four types. They are:

Credit Rate

Debit Rate

Amount

Number
The interest that you charge on a debit balance is an example of a debit rate. The interest that
you charge on a credit balance is an example of a credit rate.
A User Data Element will be an amount under the following circumstances:

In the case of a tier structure, the upper and lower limit of a tier or a tier amount

In the case of a charge, when it is indicated as a flat amount

Any amount that can be used in the definition of formula(e)
When building an interest rule you may have indicated the UDE to be a number if the interest
or charge is based on the number of transactions or the number of account statements. A
UDE under this category can also be used to store a numerical value that may be used in a
formula.
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Now, for each of the UDEs that are displayed, you must specify the values individually. If the
type of UDE that you have identified for the rule is a ‘Rate’ element, you can either specify a
Rate Code or enter a “value” for the Rate element.
If you specify a Rate Code for the UDE, the value that you have maintained for the rate code
will be picked up while calculating interest. However, if you choose to enter a “spread” for the
Rate Code, the appropriate value will be computed. (A “Spread” is a positive or negative value
that you add or deduct to the value specified for the Rate Code). If you do not specify a
spread, the rate maintained for the Rate Code will be picked up.
If the type of UDE is an amount, the value that you enter will be in the currency that you
specified in the UDE Amounts Currency field (in the Interest Product Preferences screen). If
you specified the UDE amounts currency as the local currency and the account is in a foreign
currency, the currency conversions will be on the basis of the mid rate for the day.
Note
The UDE values that you specify here will only be applied to this account.
The ‘Customer Credit Rating’ field at the Customer level will be used as a SDE
CUSTOMER_CREDIT_RATING for defining status change rules. This will also be available
for provision rule definition at the CL product level.
Waive Product
Check this box if you want to waive of a particular interest or charge product that has been
specified.
Open
More than one product may be applicable on an account class at the same time. You can
temporarily stop applying a product on an account class by ‘closing’ it
You can achieve this by un-checking the box ‘Open’. The product will cease to be applied on
the account class. You can make the product applicable again by checking the ‘Open’ box.
Effective Date
The ‘Effective Date’ of a record is the date from which a record takes effect. You can maintain
different values for a UDE, for different effective dates, for an account. When interest is
calculated on a particular day for an account with special conditions applicable, the value of
the UDE corresponding to the date will be picked up.
Typically, you would want to open records with different Effective Dates if the values of UDEs
vary within the same liquidation period.
Integrated LM Product
The system defaults the Integrated Liquidity Management flag based on the IC product
associated with this account (Please refer Integrated Liquidity management for more
information).
IL Product Type
The IL product type will be defaulted to pool lead/pool re-allocation based on the ILM product
maintained at IC product level.
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UDE Values
Variance
Specify the variance in the interest rate. This is the variance alone. This value can be modified
at any point of time.
3.2.9
Specifying Charge Details
You can capture details of charges for the account, using the ‘Account level charges
conditions’ screen. To invoke this screen, click the ‘Charge’ button in the ‘Customer Accounts
Maintenance’ screen.
Branch Code
The Branch Code to which the account belongs (for which you are defining special conditions)
is displayed in this field.
Account
The Account number of customer (for which you are defining special conditions) is displayed
in this field.
Note
You can click the ‘Default’ button to default the Charge Products and the corresponding
details applicable for the account. You can then modify these values to define the special
conditions.
3.2.9.1
Specifying Product Details
Specify the following details:
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Product
The system defaults a product when you click the ‘Default’ button at the time of account
creation. You must modify it to identify the Charge product using which the applicable charges
would be collected.
Currency
The charges would be collected in the currency defined for the selected charge product, and
this currency is displayed on the screen.
Minimum and Maximum
You must indicate the charge amount range, representing the minimum and maximum charge
that can be applied for the account.
Free Items
You must indicate the number of free items for which the customer will not be charged. The
number of free items is derived based on the charge basis defined for the charge product in
the IC module.
Open
By default, each charge consolidation charge setup that you set up is enabled and active.
You can also disable the setup by checking the ‘Open’ box.
Waive Charges
You can choose to waive charges for an account.
3.2.10
Specifying Consolidated Charge Details
You can capture details of consolidated charges for the account, using the ‘Account Level
Consolidated Charges Conditions’ screen. To invoke this screen, click the ‘Consolidated
Charge’ button in the ‘Customer Accounts Maintenance’ screen.
Branch
The Branch Code to which the account belongs (for which you are defining special conditions)
is displayed in this field.
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Product
You must identify the consolidated charge product using which the applicable charges would
be consolidated. The charges would be consolidated in the currency defined for the selected
consolidated charge product, and this currency is displayed on the screen.
When you opt for a consolidated charge product, all the consolidated charge parameters
defined for the selected product are defaulted to the account for which the product has been
linked. You can change the default in respect of the following parameters:

Minimum and maximum charge

Discount percentage and discount amount
Currency
The charges would be consolidated in the currency defined for the selected consolidated
charge product, and this currency is displayed on the screen.
Minimum
You must indicate the minimum charge that can be applied for the account.
Maximum
You must indicate the maximum charge that can be applied for the account.
Open
By default, each charge consolidation charge setup that you set up is enabled and active. You
can also disable the setup by checking the Open box.
Waive Charges
You can choose to waive consolidated charges for an account.
Discount Amount
In this field, you can indicate the flat discount amount, if any, which would be applicable for
the consolidated charge calculated for the account. After the discounting has been applied,
the Maximum and Minimum validations are performed.
Alternatively, the discount, if any, which is applicable, can be specified as a percentage of the
calculated consolidated charge amount.
Discount Percentage
You can indicate the discount percentage, if any, which would need to be applied to the
calculated charge. After the discounting has been applied, the Maximum and Minimum
validations are performed.
The discount, if any, which is applicable, can also be specified as a flat discount amount.
3.2.11
Specifying BIC Details
You can capture details of all SWIFT BIC that should be allowed for a customer account, using
the ‘Authorized SWIFT BICs for Customer Account’ screen.
To invoke this screen, click ‘BIC’ button in the ‘Customer Accounts Maintenance’ screen.
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Account Number
The system defaults the account number of the customer in this field.
BIC Code
Specify the BIC here. You can choose any valid BIC maintained in the ‘BIC Code
Maintenance’ screen.
Description
The system displays the description for the corresponding BIC that you have specified.
3.2.12
Specifying Account Operating Instruction Details
You can capture details for operating the account, using the ‘Account Operating Instructions
Maintenance’ screen. To invoke this screen, click ‘Instructions’ button in the ‘Customer
Accounts Maintenance’ screen.
The screen is shown below:
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Date of Last Maintenance
The current system date is also displayed
Instructions
Specify the instructions to be borne in mind when operating a customer account
Conditions
You can maintain the instructions using the above screen during the account opening. The
maintained instructions can be viewed from the 'Account Maintenance' screen invoked from
Signature Verification screen.
For more details on 'Signature Verification' screen refer chapter Verification of Signatures in
'Sign Verify' module.
3.2.13
Specifying Standing Instruction Details
You can capture details of standing instructions for the account, using the ‘Instruction Diary
Summary’ screen. To invoke this screen click the ‘Standing Instructions’ button in the
‘Customer Accounts Maintenance’ screen.
Here you can view the following details:

Authorization status

Record status

Instruction number

Unit type

Unit value

Branch code

Instruction

Instruction type

Execution days

Execution months

Execution years

Month end flag
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3.2.14

Holiday rule

First due date

Next due date

Next execution date

Condition elements

Operator

Condition value

Account officer

Special instruction type

Expiry date

Special instruction
Specifying Linked Entities
You can capture details of linked entities for the account, using the ‘Linked Entities’ screen.
To invoke this screen; click the ‘Linked Entities’ button in the ‘Customer Accounts
Maintenance’ screen.
Customer
Select the customer from the option list with whom you want to establish the relationship with
the customer account that you are maintaining.
Description
In this field, the system displays the name of customer that you have selected in the previous
field. You cannot change the description.
Relationship
You have to choose a relationship code to establish a relationship between the customer
being selected and the customer account you are maintaining.
By default, the system will select the customer of the account as the Primary Holder. This is
a pre-shipped relationship and you will not be allowed to change the relationship.
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3.2.15
Specifying REG Details
Reserve Requirements for Depository Institutions (Regulation D) is a US Federal Reserve
Board regulation that limits the number of preauthorized withdrawals and transfers from a
savings account or money market account. The regulation applies to all United States banking
institutions offering such accounts. In consumer banking, ‘Regulation D’ often refers to
§204.2(d)(2) of the regulation, which places a limit of six withdrawals or outgoing transfers per
month from savings or money market accounts via several transaction methods.
The Expedited Funds Availability Act (EFA or EFAA) was enacted in 1987 by the United
States Congress in order to standardise hold periods on deposits made to commercial banks
and to regulate institutions' use of deposit holds. It is called as Regulation CC or Reg CC after
the Federal Reserve regulation that implemented the act. Regulation CC stipulates four types
of holds that a bank may place on a cheque deposit, at its discretion.
You can capture limited Regulation D and regulation CC details for the customer account,
using the ‘REG Details’ screen. To invoke this screen, click the ‘REG’ button in the ‘Customer
Accounts Maintenance’ screen.The screen is shown below:
Reg CC Availability
Check this box if the check deposits into this account should be considered for Regulation CC
aggregation.
Reg D Period
Specify the following details.
Reg D Applicable
Indicate whether the Regulation D limits are applicable for the account
Periodicity
If you indicate the periodicity of Regulation D applicability as ‘Statement Cycle’, the restricted
transactions would be counted over the primary statement cycle defined for the customer
account.
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Start Date
The start date for Regulation D applicability is first set to be the date on which you mark the
availability option in this screen. Subsequent to the first period, the EOD process would
update the start date according to the periodicity defined.
End Date
Subsequent to the first period, the EOD process would update the end date according to the
periodicity defined.
3.2.16
Specifying Account Status Details
You can specify status details for the account, using the ‘Status Details’ screen. To invoke this
screen, click the ‘Account Status’ button in the ‘Customer Accounts Maintenance’ screen.
Here you can capture the following details:
Branch
The system defaults the code of the current branch
Account Number
The system defaults the account number from the main screen
Status
You can select the different status codes applicable to the account, in this field. Use the Add
icon to define each status and the attributes for the same. You can use the navigation icons
to move from one status to the other.
On selection of the status, the associated description will be displayed alongside
Dr and Cr GL Line
Select the debit GL account, to which all debit balances within a specific account class will
report to, when it moves to the status being defined. You can identify the debit GL from the
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list of existing GLs. Likewise, all credits within a particular account class will report to the GL
account that you have identified to track credits.
Dr Central Bank Line
Specify the Central Bank line to which this account will report to, if it is in debit. This line is
maintained in the ‘Reporting Lines Maintenance’ screen.
Cr Central Bank Line
Specify the Central Bank line to which this account will report to, if it is in credit. This central
bank line is maintained in the ‘Reporting Lines Maintenance’ screen.
Dr Head Office Line
Specify the Debit Head Office GL to which the account will report, if they are in a debit
Cr Head Office Line
Specify the Credit Head Office GL to which this account will report, if it is running in credit
3.2.17
Specifying Restriction Details
You can specify restrictions for the account, using the ‘Products and Transaction Codes
Restriction’ screen. To invoke this screen, click the ‘Restriction’ button in the ‘Customer
Accounts Maintenance’ screen.
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3.2.17.1 Specifying Product Restriction
Special Condition
By default, the restrictions maintained at the account class level will be displayed here. When
you define transaction code or product restriction attributes for an account itself, rather than
for the account class to which it belongs, it is referred to as a Special Condition. You can apply
special conditions by selecting the option ‘Special Condition Applicable’ at the account level.
If you opt to define special conditions for an account the ‘restrictions’ defined for the Account
Class, to which the account belongs, will NOT apply to this account. If you wish to continue
with the account class restrictions, opt for ‘Special Condition Not Applicable’.
Restriction Type
Specify the restriction type here. The options available are:

Allowed – If you select this, the products entered in the multi entry block will be allowed
for that customer account

Disallowed – If you select this option, the products entered in the multi entry block will
be disallowed
Product Code
You can select the products and specify the type of transaction (Dr, Cr or both) that you would
like to allow/disallow for each product. In contracts involving the selected products, the
accounts would be used for processing the selected type of transaction. For instance, assume
that for the account A1, you have allowed ‘Dr’ for the product ABCD. This would mean that if
a Dr entry for the product ABCD is passed to the account, A1, it would go through but in case
a Cr entry is passed for this product, then the system will display a message indicating that
the transaction is restricted for the account.
Description
The system displays the description for the product code that which you have specified
Dr
During transaction processing, the system will validate whether any restrictions are placed on
the account based on either product and/or transaction code. If you have indicated to allow
Dr Transactions for the product ABCD, and attempt to post a credit entry, the system will seek
an override. You can continue the transaction, despite the restrictions, by providing
appropriate reasons for the same.
During maintenance or online operations, in the respective contract screens for the restricted
transactions, when you specify the customer account, the system checks whether the account
is restricted for the product that has been selected, or the debit/credit transaction type. If so,
an override is sought when such contracts are saved.
Cr
During transaction processing, the system will validate whether any restrictions are placed on
the account based on either product and/or transaction code. If you have indicated to allow
Dr transactions for the product ABCD, and attempt to post a credit entry, the system will seek
an override. You can continue the transaction, despite the restrictions, by providing
appropriate reasons for the same.
During maintenance or online operations, in the respective contract screens for the restricted
transactions, when you specify the customer account, the system checks whether the account
is restricted for the product that has been selected, or the debit/credit transaction type. If so,
an override is sought when such contracts are saved.
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3.2.17.2 Specifying Transaction Restriction
Special Condition
By default, the restrictions maintained at the account class level will be displayed here. When
you define transaction code or product restriction attributes for an account itself, rather than
for the account class to which it belongs, it is referred to as a Special Condition. You can apply
special conditions by selecting the option ‘Special Condition Applicable’ at the account level.
If you opt to define special conditions for an account the ‘restrictions’ defined for the Account
Class, to which the account belongs, will NOT apply to this account. If you wish to continue
with the account class restrictions, opt for ‘Special Condition Not Applicable’.
Restriction Type
Specify the restriction type here. The options available are:

Allowed – If you select this, the transaction code entered in the multi entry block will be
allowed for that customer account

Disallowed – If you select this option, the transaction code entered in the multi entry
block will be disallowed
Transaction Code
Likewise, you can maintain restrictions for transaction codes as well
Description
The system displays the description for the transaction code that you have specified
Dr
During transaction processing, the system will validate whether any restrictions are placed on
the account based on either product and/or transaction code. If you have indicated to allow
debit transactions for the product ABCD, and attempt to post a credit entry, the system will
seek an override. You can continue the transaction, despite the restrictions, by providing
appropriate reasons for the same.
During maintenance or online operations, in the respective contract screens for the restricted
transactions, when you specify the customer account, the system checks whether the account
is restricted for the product that has been selected, or the debit/credit transaction type. If so,
an override is sought when such contracts are saved.
Cr
During transaction processing, the system will validate whether any restrictions are placed on
the account based on either product and/or transaction code. If you have indicated to allow
debit transactions for the product ABCD, and attempt to post a credit entry, the system will
seek an override. You can continue the transaction, despite the restrictions, by providing
appropriate reasons for the same.
During maintenance or online operations, in the respective contract screens for the restricted
transactions, when you specify the customer account, the system checks whether the account
is restricted for the product that has been selected, or the debit/credit transaction type. If so,
an override is sought when such contracts are saved.
3-46
3.2.18
Specifying Currency Limits Details
You can specify restrictions for the account, using the ‘Currency Limits Details’ screen. To
invoke this screen, click the ‘Currency Limits’ button in the ‘Customer Accounts Maintenance’
screen.
Account Number
The system displays the customer account for which PC limits are being maintained
Currency
Specify the currency in which the auto exchange limits should be maintained. The adjoining
option list displays the currency codes maintained in the system. You can choose the
appropriate one.
Cr Lmt Amt
Specify the credit limit amount in the chosen currency.
Dr Lmt Amt
Specify the debit limit amount in the chosen currency.
3.2.19
Specifying MIS Details
You can capture Management Information System details for the account, using the
‘Management Information System’ screen. To invoke this screen; click the ‘MIS’ button in the
‘Customer Accounts Maintenance’ screen.
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Branch
The current logged-in branch code is displayed here
MIS Group
For an account, the transaction type of MIS class will be picked up from the account class
Rate Code
Specify the rate code. Select the appropriate one from the adjoining option list, which displays
all valid rate codes maintained in the system
Link to Group
If an MIS Group is linked, you can indicate whether the linkage with the group should always
be maintained. If yes, any change to the MIS Group will automatically apply to the customer
to whom the MIS Group is linked. If not, the entities defaulted for the customer will continue,
even if they are changed subsequently for the group.
Calc Method
System displays the calculation method.
Rate type
If you have indicated that rates maintained for the individual account should be picked up for
MIS refinancing you have to specify the Rate Type that is to be used. The options available
are:

Fixed

Floating – Automatic – indicating that the system should pick up the refinancing rate associated with the account. Since the account number is linked to a Rate Code the system picks up the rate code associated with the account when the EOD processes are
run to refresh the various rates.
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Select the appropriate.
Pool Code/Account Level
The Pool Code/Account Level to which the account class or product belongs should be
defined.
Pool Code
For an account, the pool code will be picked up from the account class.
Transaction MIS Group
For an account, the transaction type of MIS class will be picked up from the account class.
Composite MIS Group
The composite type of MIS class will be defaulted from those defined for the customer.
Cost Code
For an account, the cost codes will be picked up from the account class.
3.2.19.1 Specifying Transfer log details
Here you can capture the following details:
Account Number
This is the account number of the deposit. If you specify an account that is disallowed for your
user id and move to the next field the system will throw up an error/override. The restricted
accounts for users ids are maintained in the ‘User Account Class Restrictions’ screen. The
system will perform this validation for default settlement pick up also.
3.2.20
Specifying Statement Details
You can specify restrictions for the account, using the ‘Statement Details’ screen. To invoke
this screen, click the ‘Statement’ button in the ‘Customer Accounts Maintenance’ screen.
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Account Number
The system displays the account number for which you are setting the statement details
Primary A/c Statement
This refers to the type of statement to be generated periodically by the system, for this
account. You can specify whether you want a detailed or summary statement or if you do not
want a statement for this account at all.
Cycle
You can specify the frequency for generating the account statements. To specify the
frequency of the statements, click on the adjoining drop-down list. The following list is
displayed:

Annual

Semi-annual

Quarterly

Monthly

Fortnightly

Weekly

Daily
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On
For a weekly statement you specify the day of the week on which account statements should
be generated and for fortnightly and monthly statements the dates of the month. To specify
for weekly statements, click on the adjoining drop-down list. The following list of days will be
displayed:

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

Sunday
To specify for monthly statements enter a number between 1 and 31 (corresponding to the
system date)
If you set the statement date to 30, then account statements will be generated on:

The last working day for months with < 30 days

For months with 30 days on the 30th; if 30th is a holiday on the next working day
If you set the statement date to 31, then account statements will be generated on:

The 31st for month with 31 days; if 31st is a holiday on the next working day

The last working day for months < 31 days
For a fortnightly statement you could specify 1 and 15
For all other cycles, account statement will be generated on the last day of that cycle
Generate Stat. Only On Movement
You can indicate that an account statement should be generated for the customer’s account
only when there has been a movement of funds into the account or when funds have been
transferred out of the account.
For instance, let us assume that on the August 21, 2001, you have set the account statement
generation frequency as Daily for the account LI020804. On the September 5, 2001, there has
been no movement of funds in the particular account. If you have opted for the Generate Only
on Movement option, the system will not generate a statement message for September 5,
2001.
If you choose not to enable this option, account statements will be generated regardless of
whether there has been a movement of funds or not.
Display IBAN in Advices
If you would like to print the IBAN number of the customer on advices sent to the customer,
you can enable the Display IBAN in Advices option by checking it. This specification will be
defaulted from the account class linked to the customer account. You will be allowed to
change it for a specific account.
You can choose to print the IBAN Number in advices that are sent to the customer by enabling
the check box positioned next to the Display IBAN on Advices field. If the Display IBAN on
Advices check box is disabled, you can enable this option by checking the box. Consequently,
the IBAN Account Number will be printed on all customer correspondence (Debit/Credit
advices) involving the particular account.
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Because of choosing to print IBAN numbers in the correspondence sent to the customer, the
Oracle FLEXCUBE account number will be replaced by the IBAN number. The lists of SWIFT
messages that will include IBAN account numbers are as follows:

MT940 – Customer Statement Message

MT950 – Statement Message

MT900 – Confirmation of debit

MT910 – Confirmation of Credit
Note
While processing incoming payments, the system checks to see whether the account involved is an IBAN account. If the account is an IBAN account, it will be processed with the
corresponding Oracle FLEXCUBE account number.
Secondary A/c Statement
This refers to the type of statement to be generated periodically by the system, for this
account. You can specify whether you want a detailed or summary statement or if you do not
want a statement for this account at all.
Cycle
You can specify the frequency for generating the account statements. To specify the
frequency of the statements, click on the adjoining drop-down list. The following list is
displayed:

Annual

Semi-annual

Quarterly

Monthly

Fortnightly

Weekly

Daily
On
For a weekly statement you specify the day of the week on which account statements should
be generated and for fortnightly and monthly statements the dates of the month. To specify
for weekly statements, click on the adjoining drop-down list. The following list of days will be
displayed:

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

Sunday
To specify for monthly statements enter a number between 1 and 31 (corresponding to the
system date).
If you set the statement date to 30, then account statements will be generated on:

The last working day for months with < 30 days

For months with 30 days on the 30th; if 30th is a holiday on the next working day
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If you set the statement date to 31, then account statements will be generated on:

The 31st for month with 31 days; if 31st is a holiday on the next working day

The last working day for months < 31 days
For a fortnightly statement, you could specify 1 and 15
For all other cycles, account statement will be generated on the last day of that cycle
Generate Stat. Only On Movement
You can indicate that an account statement should be generated for the customer’s account
only when there has been a movement of funds into the account or when funds have been
transferred out of the account.
For instance, let us assume that on the August 21, 2001, you have set the account statement
generation frequency as Daily for the account LI020804. On September 5, 2001, there has
been no movement of funds in the particular account. If you have opted for the Generate Only
on Movement option, the system will not generate a statement message for September 5,
2001.
If you choose not to enable this option, account statements will be generated regardless of
whether there has been a movement of funds or not.
Tertiary A/c Statement
This refers to the type of statement to be generated periodically by the system, for this
account. You can specify whether you want a detailed or summary statement or if you do not
want a statement for this account at all.
Cycle
You can specify the frequency for generating the account statements. To specify the
frequency of the statements, click on the adjoining drop-down list. The following list is
displayed:

Annual

Semi-annual

Quarterly

Monthly

Fortnightly

Weekly

Daily
On
For a weekly statement you specify the day of the week on which account statements should
be generated and for fortnightly and monthly statements the dates of the month. To specify
for weekly statements, click on the adjoining drop-down list. The following list of days will be
displayed:

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

Sunday
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To specify for monthly statements enter a number between 1 and 31 (corresponding to the
system date).
If you set the statement date to 30, then account statements will be generated on:

The last working day for months with < 30 days

For months with 30 days on the 30th; if 30th is a holiday on the next working day
If you set the statement date to 31, then account statements will be generated on:

The 31st for month with 31 days; if 31st is a holiday on the next working day

The last working day for months < 31 days
For a fortnightly statement, you could specify 1 and 15
For all other cycles, account statement will be generated on the last day of that cycle
Generate Stat. Only On Movement
You can indicate that an account statement should be generated for the customer’s account
only when there has been a movement of funds into the account or when funds have been
transferred out of the account.
For instance, let us assume that on the August 21, 2001, you have set the account statement
generation frequency as Daily for the account LI020804. On September 5, 2001, there has
been no movement of funds in the particular account. If you have opted for the Generate Only
on Movement option the system will not generate a statement message for September 5,
2001.
If you choose not to enable this option, account statements will be generated regardless of
whether there has been a movement of funds or not.
Exclude Same Day Reversal trns from Stmt
If you do not wish transactions booked and reversed on the same day to be reflected in the
account statement, you can specify the preference here. This feature is applicable only for the
customer account legs and not for the related GL legs. Also, reversals made through the DE
module will not be considered for exclusion.
This specification is defaulted from the account class linked to the account. You can change
it for a specific account.
Statement Account
A customer may have two or more accounts with your bank but may desire to receive a single
consolidated account statement.
Oracle FLEXCUBE allows you to link accounts. For the particular account whose statement
preferences you are defining you can indicate the parent account to which the account should
be linked for statement generation purposes.
The statement account is applicable for all type of account statements (Primary, Secondary
and Tertiary). If the statement account has been specified, you cannot enter other statement
details.
If the statement account is not specified for a particular account then the account can be a
statement account for other accounts. If statement accounts have been maintained, during
EOD, the account statement will not be individually generated for the child accounts. Instead
a consolidated account statement would be generated based on the frequency specified for
the parent account.
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While closing a parent account, a message will be shown requesting removal of the parentchild account linkage.
To view the details of loan instalment recovery and charge recovery details in the Account
Statement Report following tags will be included:
3.2.21

_LNCHGDTLS_

_CLCHGACC_
Specifying Account Limits
You can capture details of account limits, using the ‘Account Limits’ screen. Click the ‘Limits’
button in the ‘Customer Accounts Maintenance’ screen to invoke this screen.
Temp. OD Start and End
The start and end dates represent the dates from which the temporary overdraft limit becomes
effective upto the date on which it should ceases to be effective.
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Netting Required
To process linked accounts, which are marked for referral, you will need to enable the Netting
Required option. This option is defaulted from the Credit Line associated with the customer
account. If you change the default option, the system displays an override message.
Temp. OD Limit
The temporary OD limit is the limit upto, which any overdraft is allowed, for a specified time
period, over and above the limit set for this account.
This limit is independent of any credit line linked to this account. This is mostly used for short
term overdrawing.
Sublimit
The sub-limit represents that portion of the total credit amount that can be used by this
customer account. The sub-limit need be input only when the account is to be limited to a
portion of the available line amount.
While passing transactions to an account with a sub-limit the first credit check made is against
this sub-limit amount. If the sub-limit is crossed, you will be asked for an override.
Uncoll. Funds Limit
The uncollected funds limit represents the credit transaction amounts that have not been
collected as of the current day. You can set the limit upto which withdrawal is allowed against
uncollected funds.
The uncollected opening balance is reset with the current uncollected balance amount during
the EOD process. This amount is to be considered when calculating Central Limit availability.
Offline Limit
This is the limiting amount till which transactions will be carried out between account(s) for the
account class you are defining here, between branches when the database connectivity is not
functional.
Daylight Limit
The daylight limit is the limit up to which an overdraft is allowed for the business day. The
daylight limit will be added to temporary overdraft to calculate the available balance if EOD is
not in progress. Daylight limit is not considered during EOD.
Note
You can specify the daylight limit only if ‘Daylight Limit’ option is checked in linked ‘Account
Class - Preferences’ screen. By default, the system will display the value as zero. You can
however change it.
SOD Notification %
Specify the consolidated percentage utilization used for notification of the limit breach under
the SOD (secure overdraft).
For more information on SOD Alert Generation, refer topic ‘Generating Alert for SOD
Utilization’ later in this chapter.
Cr Transaction Limit
This is the limit for credit transactions in the account currency. When a transaction exceeds
this limit, an override is displayed. The override requires a dual authorization to save the
transaction.
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Credit Start Date
This is the date from which this monitoring comes into effect. The check will be performed for
all entries to customer accounts with transaction (booking) date greater than or equal to the
start date.
Credit Rev Date
This is the date on which you would wish to revise this limit. The limit check will continue
irrespective of the date maintained here. The revision date must be greater than the start date
and can be left blank.
3.2.21.1 Specifying Temporary over Draft Renewal Details
Renew TOD
Check this box if you want to renew TOD. Renewal of TOD will be done as part of casapks
batch process.
Renew Frequency
Specify the renew frequency from the drop-down list. The available options are:

Days

Months

Years
Renew Units
Specify the renew units.
The following validations need to be done for the frequency:

If ‘Renew Frequency’ chosen is ‘Days’ then ‘Renew Units’ cannot be greater than 366

If ‘Renew Frequency’ chosen is ‘Months’ then ‘Renew Units’ cannot be greater than 12

If ‘Renew Frequency’ chosen is ‘Years’ then ‘Renew Units’ can be given in terms of
years
Next Renewal Limit
Specify the TOD amount that can be renewed in next cycle.
TD/Collateral Linkages
Auto Create Collateral Pool
Check this box to indicate that collateral pool needs to be created automatically based on the
collateral linkage details specified. You can enter collateral linkages details only when you
check this field.
3.2.21.2 Specifying OD limits
Here you can specify the following:
Customer No
Specify the customer number to link the credit line. You can link customer of the account or
customers linked as a part of joint venture.
Effective Date
Specify the effective date for the linked line. The system defaults the application date if the
effective date is left blank. Effective Date can be past or current date but cannot be a future
date.
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Note
Effective Date should not be earlier than the:
–
start date of the linked limits
–
booking date of CASA account.
If multiple lines are attached to an OD account then the:
–
SDE for line amount returns the sum of the line amount of the attached facilities till
the current day. But the percentage mentioned while linking the line is not considered.
The interest is recalculated if the effective date or limit amount is changed.
If the effective date is within the current period, then the interest is recalculated from the
period start date and the accrual entry is passed.
If the effective date is earlier than the current liquidation period, then interest recalculated
for the period prior to the current liquidation period is posted as adjustment entries.
Effective date is applicable only for the linkage type ‘Lines’. If effective date is specified for
Collateral or Collateral pool, then the system displays an error message.
You cannot attach a line which was active on past date and inactive on the system date.
The option for facility displays the facilities active on application date and not for the effective date.
You can delink the unutilized lines. The date of delinking is stored in an internal data store.
From the effective date till the date of delinking the line will be considered as linked.
Any modification of the facility amount is also stored in internal data store to get the effective line amount for a specific date.
For interest calculation, the existing SDE , LINE_AMOUNT will be used to give the total
limit amount available on that effective date.
If back valued line is attached or an expired line is renewed from a back value date, then
you can recompute the interest considering the line which is available from back value effective date or from the old expiry date.
On the expiry date of a particular line, it is considered for the interest calculation.
LINE_AMOUNT SDE will return the line amount on the date of expiry and will return to zero
after the expiry date
Liability No
The system displays the liability number of the customer.
Linkage Type
Specify the linkage type from the adjoining drop down list. The list displays the following
values:

Facility (credit line)

Collateral Pool

Collateral
Linkage Ref No
Specify the linkage reference number based on the type of linkage. You can specify the
following:

If you have selected linkage type as ‘Facility’ then you have to enter facility code in the
Linkage reference number.

If you have selected linkage type as ‘Collateral Pool’ then you have to enter collateral
pool code in the Linkage reference number field.
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
If you have selected linkage type as ‘Collateral’ then you have to enter collateral code
in the Linkage reference number field.
% Contribution
Specify the percentage of contribution that needs to be tracked for each Credit Line or
Collateral Pool.
Note
The total sum of ‘Percentage of Contribution’ should be equal to 100%, excluding the line
for JV customers. If the total sum is not equal to 100%, then the system will display the
error message as “Sum total of Limits Percentage should be 100”.
Sequence No
Specify the sequence number of the limit linkage. If you do not specify any value then the
system will generate data automatically. However, if there is any rounding related mismatch
then the system will pass a different amount in the sequence number of the linkage.
Note
If an account does not have sufficient balance or the balance is already used from the line,
the system updates the utilised amount of all lines and liabilities which are part of ‘Customer Account Maintenance’ screen. The amount utilised for the specific line is based on the
percentage specified. If there is any rounding issue during allocation of utilisation amount
to different credit lines, the system will adjust it with the last credit line with which it is
linked. However, if credit line is added, deleted or a percentage of contribution is changed
then based on the updated maintenance, the system will update the utilisation of credit
lines.
If the credit line is not maintained for Joint venture then the system will track the utilization
at liability level only.
3.2.22
Specifying Linkages Details
Oracle FLEXCUBE facilitates linking a new TD or collateral and de-linking the existing TD or
collaterals. Also, you can modify the linked amount and spread for existing collaterals. The
modified linkages will be effective from the start of the current liquidation cycle.
Here you can specify the following collateral details:
Collateral Type
Select the collateral type from the options available. The options available are as follows:

Term deposit

Collateral

Unsecured collateral
Note
–
If collateral type is chosen as TD or unsecured collateral then the system first creates collateral for the TD’s or unsecured collateral automatically and then creates
the collateral pool during authorization of the OD Account.
–
On automatic rollover of TD’s linked to the OD Account, the latest rate of the associated float rate code will be applied. The fields ‘Applicable interest rate’, ‘Rate of
Interest’ for the OD account will be updated automatically during rollover of TD.
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–
If collateral type is chosen as collateral during creation of OD account and if interest
rate is not available in collateral then the interest spread entered by the user will be
considered as ‘Rate of interest’ for the OD account.
–
If TD is linked as collateral then during auto creation of collateral pool the expiry date
will be considered as the maturity date of the TD. During auto rollover of the linked
TD the expiry date will be automatically updated as the next maturity date of the TD.
Collateral
Specify the Term deposit or the collateral which needs to be linked to the overdraft account
from the adjoining option list.
Note
Multiple TDs/Collaterals can be linked to a single OD Account.
Branch
The system displays the branch code of the TD or collateral.
Available Amount
The system displays the available amount of the TD or collateral.
Linked Amount
Specify the linkage amount. The linked amount should not be greater that the available
collateral amount
Applicable Interest Rate
The system displays the interest rate applicable to the TD or collateral on choosing the
collateral.
Interest Spread
Specify the spread amount which will be used to calculate the rate of interest.
If collateral type is chosen as unsecured collateral then you should input the interest rate in
the interest spread field. On saving, the system defaults the rate of interest same as interest
spread.
Rate of Interest
The system displays the interest rate applicable to the OD Account.
Collateral Category
Specify the collateral category using which collateral will be created from the adjoining option
list. If collateral type is TD or collateral then only secured collateral category will be displayed
in the option list. If collateral type is unsecured collateral then only the unsecured collateral
category will be displayed in the option list.
You can De-link or Add new TD/Collateral. For existing collaterals, system supports
modification of linked amount and spread. The modification will be effect from the start of the
current liquidation cycle
Hair Cut
Specify the haircut percentage available for the collateral category you entered.
System validates whether the TD Linked to the OD account is marked for auto rollover. If Auto
rollover is not marked for the TD then the system will automatically mark the TD as Auto
rollover during authorization of the OD Account. Rollover type will be set to P+I if interest
booking account is same as TD and payout details for interest component is not maintained
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for the TD. Rollover type will be set to P if interest booking account is not same as TD or
payout details for interest component is maintained for the TD.
3.2.23
Specifying Document Details
You can capture the customer related documents in central content management repository
through the ‘Document Upload’ screen. Click ‘Documents’ button to invoke this screen.
Here, you need to specify the following details:
Document Category
Specify the category of the document to be uploaded.
Document Type
Specify the type of document that is to be uploaded.
Document Reference
The system generates and displays a unique identifier for document reference.
Remarks
Specify the additional information, if any.
Upload
Click ‘Upload’ button to open the ‘Document Upload’ sub-screen. The ‘Document Upload’
sub-screen is displayed below:
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In the ‘Document Upload’ sub-screen, specify the corresponding document path and click the
‘Submit’ button. Once the document is uploaded through the upload button, the system
displays the document reference.
View
Click ‘View’ to view the document uploaded.
3.2.24
Specifying Joint Holder Details
You can capture details of joint holders of the account, using the ‘Joint Holders’ screen. Click
the ‘Joint Holders’ button in the ‘Customer Accounts Maintenance’ screen to invoke this
screen.
Account Number
The system displays the account number here.
Customer Number
The system defaults the customer number based on the selected account number.
Branch Code
The system displays the branch code of the current branch.
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List of Joint Holders
You can add the joint holder details in this section if the selected account type is ‘Joint’.
Maintain the following details:
Customer Number
Specify the customer Id for the joint holder. The adjoining option list displays the list of all valid
customer numbers. Select the appropriate one.
Customer Name
The system displays the customer name based on the selected customer number.
Joint Holder Type
Specify the type of authority. Select the appropriate one from the drop-down menu. The
options are:

Authorized Signatory

Customer Contact Person

Guardian

Custodian

Developer

Guarantor

Joint and First

Joint and Other

Joint or First

Joint or Other

Nominee

Related for Enquiry

Solicitor

Sole Owner

Third Party

Trustee

Valuer

Power of Attorney
Start Date and End Date
The Start Date and End Date display the validity of the joint holder of the account. This is for
information purpose only.
Note
Note the following:
–
After the Joint holder expires the corresponding signature details of the joint holder
will be deleted in the account signatory details and the same will be reflected in the
Account Signatory History screen
–
If the end date expires, the system does not allow you to save the customer account
in case of amendment in the joint holder details.
–
If you modify a joint holder record from ‘STDJHMNT’ screen and s not authorized
yet, the system will not allow you to modify the joint holder details from ‘STDCUSAC’
screen and vice-versa, until it is authorized. However, you can modify the account
details other than joint holder details.
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–
3.2.25
You can enter the joint holder details only if 'Account Type' is 'Joint'. If the account
type is ‘Joint’ then it is mandatory to specify the details of at least one joint holder.
Specifying UDF Details
You can capture User Defined Fields for the account, using the ‘UDF’ screen. To invoke this
screen; click the ‘Fields’ button in the ‘Customer Accounts Maintenance’ screen.'
3.2.26
Specifying Deposits Instructions
The system defaults the latest modified /sequence number record from ‘Deposit Instruction’
screen. This latest modified /sequence number is applicable for creation of new Auto Deposit
creation.
Every modification at Account level reflects at ‘Deposit Instruction’ screen, based on the
sequence number.
Oracle FLEXCUBE allows you to create auto deposits from a savings account if the balance
in the account exceeds a certain limit. You can capture details for creation of auto deposits,
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using the ‘Deposits Instruction’ screen. To invoke this screen, click the ‘Deposits Instruction’
button in the ‘Customer Accounts Maintenance’ screen.
Here you can capture the following details:

Branch - The branch code of the branch which is to be associated with the account

Account Number - Specify the account number of the customer. Select the account
number from the adjoining option list

Deposit Account Class - The system defaults the default Auto Deposit account class
specified in CASA Account class. However, you can modify, if needed. The adjoining
option list displays all active, authorized and allowed list of auto deposit account classes
specified in CASA account class. Select the appropriate one. If you need to restrict auto
deposit at account level, remove the default Auto Deposit account class and save the
account..

Customer - The customer for whom you are maintaining the deposit instructions

Account Currency - Specify the currency of the particular account. The adjoining option
list displays valid currencies of the selected auto deposit account classes which are active and authorized.

Sweep Branch - Indicate the branch to which the sweep is carried out

Deposit Currency - The currency in which the deposit is made

Sweep To Account - Indicate the account to which the sweep is carried out

Amount - The amount to be swept to Sweep to account.

Minimum Required Balance - The minimum balance indicates that only the amounts
above this limit will be used for auto creating deposits

Source Code - The code assigned for the sweep

External Reference Number

Sequence Number - The system generated sequence number for the instruction you
are maintaining


Deposit Currency - The currency in which the deposit is made

Tenor - Tenor for the deposits that are opened under an account class, in terms of
years, months and days
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
Sweep Multiple Of - The sweep can only be in multiples of the sweep specified

Retry Till Date - The instructions specified will be invalid after this date Any failed
sweeps after this date will not be picked up for processing the next day
While saving auto deposit instructions of customer account;

If auto deposit accounts already exist for the Account. then the system displays an error
message as "Active Auto Deposits are already exist. Cannot modify the Account Class/
Currency".

The system will validate if the auto deposit currency is part of the Interest & Charges
Product's account class and currency combination of the Auto Deposit Account class. If
it is not then the system displays an error message as “The Auto deposit Currency is
not part of the Interest and Charges Product's account class and currency combination".
3.2.26.1 Handling Batches for AD Creation
The following batches are available in the system to handle batches for AD creation:

DEDEPBAT – If AD instruction is maintained at account level, then the batch creates
AD. If instruction is not maintained at the account level, then the batch creates AD based
on account class level maintenance. Batch is maintained in DE module in the ‘End of
Txn Input’ stage.

DEAUTDEP – The system will create AD only if account level instructions are maintained. If not maintained, then AD will not be created for that account. Batch is maintained in IC module in the ‘End of Txn Input’ stage

DESWPBAT – Intra day batch for AD creation.
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3.2.27
Specifying Billing Parameters
You can capture billing parameters for the account, using the ‘Billing Parameters’ screen. To
invoke this screen; click the ‘Billing Parameters’ button in the ‘Customer Accounts
Maintenance’ screen.
You will have to maintain a set of parameters for the billing module. While settling or
liquidating the bill, the default parameters that you have maintained for the account involved
in this module will be used.
The screen also displays the Product Code and Description of all Billing Products applicable
to the account.
Consolidating Account
You can specify a consolidating account for the given account. From the option list you can
choose:

A different account number if you want to consolidate the charge under this account to
a different account. The Consolidation account selected for this account should be in
the same currency as this account. It also has to belong to the same branch as the specified account.

The same account to indicate that there is no consolidation and an individual billing invoice is to be raised on this account
Billing Liquidation
You have two modes of liquidation i.e. Auto or Manual. The preference you have maintained
for the billing product will be defaulted here. You can choose to change the mode for the
specified account under the following scenarios:

If Auto is chosen, then you have to specify whether the settlement is through a settlement account or through Direct Debit Instruction
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
In case you want to raise Direct Debit instruction for the billing invoice amount, irrespective of whether the liquidation mode is Auto or Manual, you have to maintain the details
for Direct Debit details viz. Direct Debit Bank Code, Account, Name and Agreement ID
fields.

If you choose Manual option, then manual liquidation is possible only under the following
four modes:
–
By Cash – through retail teller product
–
By Clearing – through outward clearing product
–
By Transfer – debit account in CASA module
–
By Direct Debit – through PC module
Note
If the consolidation account is different from the present account, then the system uses the
liquidation parameters specified at the consolidation account level and liquidation parameters specified, if any, at this account level is ignored.
Settlement Account
As mentioned above, you need to specify the settlement account to enable automatic
liquidation of billing.
For liquidating the billing amount and also for collecting the bill amount, the system makes use
of the account specified here.
Maintaining direct debit details
If you have maintained the mode of settlement for auto liquidation of bills as Direct Debit
instructions, you need to specify the following details:

Bank Code – Choose the bank code from the option list. This indicates the bank code
of the settlement account

Account Number – Specify the account number for the settlement account

Name – Specify the name of the debtor

Agreement ID – Specify the agreement id on which the DD is to be generated
During liquidation, the direct debit contract is uploaded into the system in case you have
maintained the settlement mode as direct debit transaction. The upload happens for both
automatic liquidation and manual liquidation.
3.2.28
Closure of accounts with outstanding Billing Invoices
In the event of account closure, the system allows closure only after all invoice are generated
and payment of outstanding bill amount is made.
Before closing the account, you need to:

Manually liquidate the billing amount through the Manual Liquidation screen in case the
payment is yet to be done. The system displays a message for the unpaid amount.

Generate the pending invoices for all Billing Products applicable to that account, using
the Account Based Invoice Generation screen, and also liquidate the bill amounts under
each of the Billing Products manually.

Refund the amount if the overdue amount is in negative
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3.2.29
Initiating manual liquidation for bills
All the components of a bill can be liquidated automatically or manually. In the Product
Preferences screen, you can indicate whether the mode of liquidation of bills is to be
automatic or manual. The system automatically liquidates those bills marked for auto
liquidation. If the bills are marked for manual liquidation, you have to liquidate them through
the Billing Liquidation screen.
The liquidation is triggered differently for each of the following scenarios:

Account Based

Adhoc Based

Batch Based
Refer the section ‘Defining parameters for settlement/liquidation of bill for an account’ in
Billing User Manual under Modularity for details about this screen.
3.2.30
Specifying Account Signatory Details
You can capture details of signatories for the account, using the ‘Signatory Details’ screen.
To invoke this screen, click the ‘Account Signatory’ button in the ‘Customer Accounts
Maintenance’ screen.
Here you can capture the following details:
Branch
The system defaults the current branch here.
Account Number
This is the account number to which signatories are to being linked.
Account Description
The system displays the description for the account you have selected.
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Customer Number
Enter the customer signatory you want to link to the account.
You can link a customer signatory to an account either by:

Click on the option list next to the Signatory Number. A list of customer signatory numbers, whose details have been captured will be displayed, along with their names. Pick
up the signatory whom you want to make an account signatory for the account

Keying-in the customer Signatory Number and Name directly, if the signatory number
has not been maintained through the Customer Signatory details screen

If the check box 'Replicate Signature' is checked in account level the signature details
will be defaulted from the customer maintenance; however you are allowed to add/remove signatories manually.
Note
If the signatory ID that you specify has not been maintained, the system will generate an
error and you will not be able to create an account.
Customer Name
The system displays the name of the corresponding customer
Minimum Number of Signatories
Specify the minimum number of signatories necessary to endorse an instrument involving the
account.
Note
If the linked or replicated signatories are less than the specified minimum number,system
will display an error message.
Account Message
You can capture information about particular signatories. These messages could pertain to
the name, number and the type of signatory your customer is. For instance you can capture
a message like - "This signatory is a joint account holder with rights to sign instruments only
up US 8000".
Signatory ID
The system displays values maintained in CIF signatory for the customer number.
Signatory Name
The system displays the corresponding name of the signatory number specified.
Approval Limit
Specify the amount up to which the account signatory can approve for debits.
Signatory Message
You can enter additional signatory message details in this field. You can enter a maximum of
4000 characters, alphanumeric.
3.2.31
Specifying Details for Balance Report Statement
The Customer accounts maintenance provides you with the facility to generate balance
reports for the customer account. These details are defaulted from the account class
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maintenance performed for the account class category the customer account comes under.
You can however, alter these details utilizing the Customer account maintenance screen.
To invoke this screen click the ‘Interim Transactions Report’ button, in the customer account
maintenance screen. You need to specify the details for an MT 941 message.
This screen contains the details necessary for the account generation parameters. The
message details the balance of the customer account that is under a particular account class.
The account balances indicate the condition of the customer account for an identified time
period.
3.2.31.1 Specifying Interim Transactions Report
Generate Message
Check this box to indicate that the periodic interim statement (MT942) generation is required
for the account. This will be defaulted from ‘Account Class Maintenance’ screen. However,
you can modify it. The ‘Consolidated Statement’ and ‘Generate Message’ are mutually
restricted.
Generate Message Only on Movement
Check this box to indicate that the interim statement generation is required, only if additional
entries have been posted subsequent to the previous interim statement generation. This will
be defaulted from ‘Account Class’ screen, however you can modify it.
Report Transaction Since
This section lists all the transactions of the interim account statement, which are supposed to
be reported. This will be defaulted from ‘Account Class’ screen, however you can modify it.
You can choose the appropriate values applicable:

Previous MT942 – This indicates that all transactions posted and authorized since previous MT942 would be sent in the current interim statement.

Previous MT940: This indicates that all transactions posted and authorized since previous MT940 will be sent in the current interim statement. If this option is selected, you
will have to specify the cycle of account statement to be considered.
Debit (Dr and Cr) Amount
Specify the minimum transaction amount for the debit transaction to be eligible for reporting
in the interim statement. The corresponding amount for the account currency will be
defaulted. However, you can modify the amount defaulted. If the amounts are not defined at
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the account class for the currency in which the account is being created, no defaulting of
amounts shall be done.
If you do not specify the minimum credit amount, the system will consider the amount
specified in this field for reporting the eligible credit transactions also.
Credit Amount
Specify the minimum transaction amount for the credit transaction to be eligible for reporting
in the interim statement. However, you can modify the amount defaulted. If the amounts are
not defined at the account class for the currency in which the account is being created, no
defaulting of amounts shall be done.
Daily Statement Count
Specify the count of interim statement generated during the day. In case a statement is
scheduled to generate, but is not generated because there is no movement, the counter will
not be incremented. The counter will be reset at End of Day.
Year to Date Statement Count
Specify the count of interim statement generated for the account since start of the financial
year. The financial year will be as defined in the Accounting Period maintenance. This counter
would be set at the end of year.
Generate Balance Report
To indicate that the customer account is considered for generation of its balance message,
check this box
Of
Select the mode of message for balance generation from the option list
Report Transaction Since
This section lists all the transactions the customer account has undergone, in the interval of
balance messages generated for the account. You can choose the appropriate values
applicable:

Previous MT940: This indicates all transactions posted and authorized since the issue
of a previous MT 940 in the current balance report

Previous MT941: This indicates all transactions posted and authorized since the issue
of a previous MT 941 in the current balance report

Previous MT950: This indicates all transactions posted and authorized since the issue
of a previous MT 950 in the current balance report
You can synchronize the time instance by hours for generation of the balance message by
clicking the ‘Times’ button.
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This screen is employed to indicate the the time instance in hours for the generation of the
balance report.
Message generation time
Specify the timing for generation of the MT 941/ MT942 message. You can specify the time
interval in hours only.
The details for issuing the balance reports are discussed in the chapter ‘Maintaining
Mandatory information, for different accounts under a particular class. The details involved in
generation of a balance report for a specific customer account correspond with those
discussed for account classes.
3.2.31.2 Balance Statement Handoff
The balance statement can be handed off as part of scheduled task under Oracle
FLEXCUBE. You need to assign its frequency in hours. This process is initiated for all
accounts requiring a balance account statement. As discussed previously the time for
generation of the statement is determined and specified. In case of no subsequent
transactions reports, the statement is not generated.
3.2.31.3 Assigning Balance Statement as Job
The balance statement can be facilitated to run as part of a scheduled job as part of the Oracle
jobs initiated during processing. The Jobs Browser screen of the application provides you the
facility to run the balance statement as a synchronized task, subject to specified time intervals
in hours.
Invoke the ‘Jobs Browser’ screen from the application typing ‘CSSJOBBR’ in the field at the
top right corner of the Application tool bar and click on the adjoining arrow button.
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Select the option ‘Generate Balance Report’ from the Process option list. All associated
accounts of the particular branch that have been marked for generation of balance statements
are procured by Oracle FLEXCUBE
The debit and credit accounts considered since the previous issue of an MT941/MT942, are
picked up for the current processing. The previous messages are based on the parameters
maintained for each account. This processing produces details of the statement generation.
3.2.31.4 Generation of Ad hoc Reports
Balance reports for each account under an account class can be generated on an ad hoc
basis. The Ad Hoc report generation screen is used for capturing details of a balance report
sent ad hoc.
You can invoke this screen by selecting Messages in the application browser. Hereafter select
‘Detailed’ under ‘Account Balance and Interim Report’.
Alternatively, you can invoke this screen by typing ‘ACDADCRP’ in the upper right corner of
the application toolbar, and clicking the arrow adjacent it.
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Branch Code
The branch to which the account marked for balance report generation belongs is displayed;
you cannot change or modify this value.
Account
Select the account, which has been identified for generation of a balance statement, from the
option list. The account balance of this account is generated as an outgoing statement.
Swift Message Type
Select the type of message required to be sent. As the message is a balance statement,
select MT941/ MT942.
Click on the ‘Generate Statement’ to initiate the generation of balance statement for the
account you have selected. This process would pick up the entire debit and credit component
accounts created since the issue of a previous MT941, MT942, MT950 or MT940 are included
in the generated statement.
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You can examine the details of the generated message, to ensure that all details entered are
correct. Click on the ‘View’ button, to observe the outgoing message.
You can examine the message for ensuring the information entered is complete. You can only
view the details of the message; no input of additional information is supported at this stage.
3.2.32
Maintaining Notice Preferences for Withdrawal
You can view and modify the notice preferences maintained at the account class level for the
withdrawal of amount from savings account through the ‘Notice Preferences’ screen. Click
‘Notice’ button in the ‘Customer Accounts Maintenance’ screen. The ‘Notice Preferences’
screen is displayed as follows:
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Note
This screen is applicable only for saving type of account
The following field is displayed in this screen:
Description
The following details are defaulted from the account class maintenance level. However, at the
account level you are allowed to modify this.
Advance Interest
Check this field to levy the advance interest on the account
Note
The customer is liable to pay this advance interest in case he/she fails to provide the required notice to the bank
The system deducts the advance interest from the credit Interest earned by the customer
on his/her credit balance in the account
Monthly Free Amount
Specify the amount that the customer can withdraw per calendar month from his/her savings
account without being liable to pay advance interest.
Notice Days
Specify the number of days before which the customer should notify the bank if he/she wants
to withdraw an amount more than the ‘Free Amount’ from his/her account.
Validity Period
Specify the validity period in number of days. During this period, the customer can do the
withdrawal of the amount for which he/she notified the bank.
For more details on ‘Notice Accounts’ refer the following section ‘Levying penalty interest on
notice accounts’.
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3.2.33
Viewing Cards Details
Click ‘Cards’ button to view details about debit cards issued against the account.
Here, you can view the following details.
Branch Code
The branch code is displayed from the main ‘Customer Accounts Maintenance’ screen.
Customer No
The customer identification code (CIF) of the account holder is displayed from the main
‘Customer Accounts Maintenance’ screen.
Account No
The account number is displayed from the main ‘Customer Accounts Maintenance’ screen..
Authorisation Status
Indicate the authorisation status of the debit card by selecting one of the following values:

Authorised

Unauthorised
Record Status
Indicate the record status of the debit card by selecting one of the following values:

Open

Closed
Branch Code
The system displays the branch code where the debit card has been issued.
Request Reference Number
The system displays the request reference number of the card issuance record.
Card Number
The system displays the debit card number of the card holder.
Multiple cards can be issued to a customer.
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3.2.34
Viewing Statistics Details
Click ‘Statistics’ button to view the details on Highest Debit Balance for the last 12 months
including the current month.
You can view the following details here:
3.2.35

Branch Code

Customer No

Account Number

Currency

Month

Highest Outstanding Balance
Specifying Change log Details
Click on the ‘Change Log’ button in the ‘Customer Account Maintenance’ screen to invoke the
Change Log screen
Branch
The current logged-in branch code is displayed here
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3.2.36
Specifying Cheque Book Request Details
Click on the ‘Cheque Book Request’ button in the ‘Customer Account Maintenance’ screen to
invoke the Cheque Book Request screen.
You will be able to invoke this screen, only if you have checked the ‘Auto Cheque Book
Request’ check box in the ‘Customer Account Maintenance’ screen.
Branch
The branch detail gets defaulted from the account branch.
Account
Select the account number to which a cheque book needs to be issued. The adjoining option
list displays all the accounts which are enabled for the cheque book issuance.
First Check Number
Specify the number of the first cheque leaf of the cheque book. If the cheque book number is
auto generated, you need not specify.
Check Leaves
Specify the number of cheque leaves in the cheque book.
Cheque Book Type
Specify the cheque book type. The adjoining option list displays the cheque types maintained
in the system. You can choose the appropriate one.
You need to specify the cheque book type if the cheque book is generated with inventory
tracking.
Order Date
The order date gets defaulted as the current date. However you can change the same.
Order Details
Specify the order details.
Language Code
Specify the code of the language. The adjoining option list displays all valid language codes
maintained in the system. You can choose the appropriate one.
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Request Status
The value of this will be defaulted to ‘Requested’ status.
Click ‘Ok’ to save the cheque book request details.
3.2.37
Specifying Debit Card Request Details
Click on the ‘Debit Card Request’ button in the ‘Customer Account Maintenance’ screen to
invoke the Debit Card Request Details screen.
You will be able to invoke this screen, only if you have checked the ‘Auto Debit Card Request’
check box in the ‘Customer Account Maintenance’ screen.
Branch Code
The branch detail gets defaulted from the account branch.
Request Reference Number
The reference number of the request is auto generated and populated, when you click on the
‘Default’ button.
Customer No
The customer number of the account gets defaulted.
Account No
The account number gets defaulted from account details.
Card Products
Specify the card products. The adjoining option list displays the card products maintained in
the system. You can select the appropriate ones.
Card Bin
Specify the card bin. The adjoining option list displays the card bins maintained for the
specified card product. You can choose the appropriate one.
Name on Card
Specify the customer name that is to be printed on card.
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Card Number
Specify the debit card number to be requested. The adjoining option list displays the valid
debit card numbers maintained in the system. You can choose the appropriate one.
Card Application Date
The card application date would be defaulted as the current date of the branch. However you
can change the same.
Primary Card
The primary card check box remains checked by default.
Card Status
The status of the card will be defaulted to ‘Requested’
Click ‘Ok’ to save the Debit card request details.
3.2.38
Maintaining Sweep Structure
Oracle FLEXCUBE facilitates linking cover accounts and TD accounts. Based on the
customer requirements, you can link Cover accounts / Auto Deposits / Term Deposits to a
Primary Account. You can setup cover accounts for a primary account and use them during
Sweep in and Reverse Sweep in process. You can also perform an enquiry for the linkage
details of Auto Deposits and Term Deposits along with cover account details. Click ‘Sweep In
Setup’ button in the ‘Customer Account Maintenance’ screen to invoke the ‘Sweep Structure
Maintenance’ screen.
The system defaults the following details from the main screen:

Branch Code

Account No
You can also maintain the linkage details for the following:

Cover Account

Auto Deposit

Term Deposit
3.2.38.1 Cover Account Details
You can maintain the following cover account details:
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Sequence Number
The system defaults the sequence number of the specified parent cover account, when you
save the sweep structure record. This number is used to identify the preference level of the
cover account.
Cover Account
Specify the cover account that should be linked with the specified sequence number. The
adjoining option list displays a list of valid accounts maintained in the system. Select the
appropriate one.
Once you specify the cover account, the system defaults the following details:

Cover Account Currency

Cover Account Branch

Utilized Amount
3.2.38.2 Auto Deposits
Click ‘Auto Deposits’ tab in the ‘Sweep Structure Maintenance’ screen to verify auto deposit
details.
1. If both Primary Account and Auto Deposit account classes are enabled for Sweep in, then
the system by default includes auto deposits of a primary account in Sweep structure
maintained for the primary CASA account and allocates 100% of Auto Deposit amount as
Linked Amount.
2. If Auto Deposit account class or CASA account class is not enabled for Sweeps, then
when linked CASA account balance falls below minimum balance the system breaks Auto
Deposits. However, only when ‘Sweeps’ check box is checked at both CASA and Auto
Deposit Account class level, the Auto Deposits are part of sweep structure.
3. Once automatic linkage is established by the system, the system disables modification of
linkage percentage/linked amount irrespective of whether there is utilization or not. The
system also disabled de-linking of the Auto Deposit from Primary CASA account.
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3.2.38.3 Term Deposit
Click ‘Term Deposits’ tab in the ‘Sweep Structure Maintenance’ screen to maintain auto
deposit details.
You can maintain the following deposit account details:
Linkage Order
The system defaults the linkage order of the specified parent deposit account, when you save
the sweep structure record. This number is used to identify the preference level of the deposit
account.
Deposit Account
Specify the deposit account that should be linked with the specified linkage order. The
adjoining option list displays a list of valid accounts maintained in the system. Select the
appropriate one.
Once you specify the deposit account, the system defaults the following details:

Deposit Branch

Maturity Date

Original Deposit Amount

Available Amount

Utilized Amount
Linkage Percent
Specify the linkage percent for the linked deposit account.
Linked Amount
Specify the linkage amount. The linked amount should not be greater that the available
collateral amount.
Note
Specify the Linkage percentage /Linked amount only during new operation. You cannot
maintain both Linked amount and Linkage percentage of the deposit amount during new
linkage of Deposit.
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3.2.39
Generating Alert for Secure Overdraft Utilization
Secure Overdraft (SOD) facility is given against collaterals for an account. Oracle FLEXCUBE
facilitates generation of alert when SOD utilization is closer towards the consolidated limit
amount of the collaterals.
Oracle FLEXCUBE runs a batch process to identify such breached SOD accounts and
generates alerts as per the maintained percentage parameter at SOD account level and
decides the breach limit for every account. The system sends the generated alerts as ADVICE
format (email) or ASCII flat file. It defines the message format for email and captures the
following key information to send these alerts to OD customer:

Email ID

Mobile number
The system runs a CASA batch adding the following process ‘SODALERT’:

Identify the SOD accounts to be processed

Read the percentage for breach calculation

Identify if the breach happened

Generate the alert to intermediate data store

Generate the MSG handoff in case the medium is mail

Complete the message generation if the medium is mail

Update the dispatch flag as processed.
3.2.39.1 Creating a Message Advice Format
You need to create a message advice format through the ‘Advice Format Maintenance’
screen with the format named ‘SOD_CR_UTIL’. You should also create an outgoing generic
interface to generate ASCII file where in the component details for the generic interface are
the elements from the new data store. You need to schedule this generic interface to be
executed during EOD through ‘GIDPRSIF’ batch.
Note
The system processes alerts only if the email address and mobile number are maintained
for a customer.
You can know the Limit Utilization Breach for the account by the application of the following
formula:
‘(Utilized limit amount) ≥ (SOD Amount *SOD notification percentage) / 100’
The Intermediate data store consists of the following details:

DCN

BRN

Customer Account Number

Customer No

Customer Mail

Customer Mobile No

Utilized Amount

Overdraft Amount
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
Dispatch Flag
You need to maintain the following message advice format through the ‘Advice Format
Maintenance’ screen.
#RH
< SOD ACCOUNT UTILIZATION>
Date: _DATE_
Bank Name: _BANK-NAME_
Branch Address: _BRANCH-ADDR_
Customer Name: _CUST-NAME1_
Customer ID: _CUSTOMER_
Account Number: _ACCOUNT-NO_
OD Amount: _OD_AMOUNT_
Utilised Amount: _UTIL_AMOUNT_
#EH
#B
#SC
#IF _DIFFEQAUL_
Your Account with Account Number _ACCOUNT-NO_ has reached the limit of the OD.
#ENDIF
#IF _DIFFGREATER_
Your Account with Account Number _ACCOUNT-NO_ has breached the limit of the
OD by _DIFFGREATER_
#ENDIF
#EC
#EB
#RF
FOR _BRANCHNAME_
AUTHORIZED SIGNATORY.
#EF
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For more information on Advice Format, refer ‘Maintaining Advice Format’ chapter under
‘Messaging System’ User Manual.
Note
For multiple collaterals you need to consider consolidated limit amount for deriving the
breach limit amount.
The process of sending of the SMS alert messages is handled by the third party system.
The system re-uses the following key information for alert generation:
3.2.40
–
Email ID – from customer personal maintenance
–
Mobile number – from CIF – personal information
Maintaining Customer Account Limits Details
You can capture the details of account limits of the customer in the ‘Customer Account Limits’
screen. Based on the user rights only, you can invoke the ‘Customer Account Limits’ screen
by typing ‘LMDCUSLT’ in the field at the top right corner of the Application tool bar and clicking
the adjoining arrow button. Based on the access given, the user can access this screen.
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You need to specify the following details:
Branch Code
Specify the branch code of the branch in which you are maintaining the customer account
limits. The adjoining option list displays all valid branches that are maintained in the system.
You can choose the appropriate one.
Account
Specify the account of the customer. The adjoining option list displays all valid accounts that
are maintained in the selected transaction branch. You can choose the appropriate one.
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Currency
The system displays the customer account’s currency. You cannot modify it.
Customer Number
The system displays the customer number based on the customer account number selected.
You cannot modify it.
Account Class
The system displays the account class based on the customer account number selected. You
cannot modify it.
Note
You can also capture the account limits in the ‘Account Limits’ of the ‘Customer Accounts
Maintenance’ screen.
Daylight Limit
Specify the daylight limit amount.
Notification Percentage
System displays the notification percentage.
TOD Renewal
Renew TOD
Check this box to indicate that TOD is renewed.
Renew Frequency
Specify the renew frequency.
Renew Unit
Specify the unit of renew.
Next Renewal limit
Specify the next renewal limit.
For more information on maintaining account limits for customer, refer the section ‘Specifying
Account Limits’ in this chapter.
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3.3
Viewing Customer Accounts
You can view the details of all accounts maintained for a specific customer using ‘Customer
Account’ screen. You can invoke this screen by typing ‘STDACCDT’ in the field at the top right
corner of the Application tool bar and clicking on the adjoining arrow button.
Customer Number
Specify the customer number. On search, the system displays the following details pertaining
to all the accounts held by this customer.
3.4

Account Number

Account Description

Branch Code

Customer Name

Account type

Currency Current Balance
Viewing Customer Accounts Details
You can view the customer accounts details maintained in the ‘Customer Accounts
Maintenance’ screen using the ‘Customer Accounts Summary’ screen. You can invoke this
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screen by typing ‘STSCUSAC’ in the field at the top right corner of the Application tool bar and
clicking on the adjoining arrow button.
In the above screen, you can base your queries on any or all of the following parameters and
fetch records:

Authorization Status

Branch Code

Record Status

Account
Select any or all of the above parameters for a query and click ‘Search’ button. The records
meeting the selected criteria are displayed.
Note
You can query or modify the account details of the customers whose accounts are permitted to you for the query/modification in the ‘Group Code Restriction’ screen.
If you are allowed to query customer information, then system displays the following details
pertaining to the fetched records:

Authorization Status

Record Status

Description

Customer No

Currency

Account Class

No Debits

No Credits

Stop Payments

Dormant

Account Open date

Alternate Account Number

Cheque Book

Pass Book
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3.5

ATM

ATM Account Number

Account Type

Frozen

MT110

Reconciliation Required

IBAN Account Number

Branch Code

Account

Project Account
Viewing Customer Account Sweep History details
The system computes the Sweep history details when Cover Accounts / Auto Deposits / Term
Deposits are linked to the primary CASA account in ‘Sweep in Structure’ screen at customer
account level.
You can view Customer Account Sweep details in the Customer Account Sweep History
Details screen. You can invoke this screen by typing ‘STDSWHIS’ in the field at the top right
corner of the Application tool bar and clicking the adjoining arrow button.
In the above screen, you can base your queries on following parameters and fetch records:

Branch Code

Account Number
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Select any or all of the above parameters for a query and click ‘Search’ button. The records
meeting the selected criteria are displayed.
If you are allowed to query sweep details for the account, then system displays the details
pertaining to the Sweep and Sweep History:
Sweep Details

Order of Linkage

Branch

Account Number

Account Type

Linked Percentage

Linked Amount

Utilized Amount

Account Structure
Sweep History for the customer account:



3.6
Branch
Account Number

Account Type – Displays the linked account types( Cover /Auto deposit/Term Deposit)

Operation – Displays the process of the transaction (Sweep in /Sweep out)

Transaction Date

Transfer Amount
Changing Primary Party of an Account
You can change the primary customer of a specific account using ‘Primary party Change
Maintenance’ screen. To invoke this screen, type ‘STDCUSCH’ in the field at the top right
corner of the application toolbar and click the adjoining arrow button.
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Specify the following details:
Account
Specify the account number for which you need to change the primary customer. The option
list displays all valid active and open accounts under the current branch. Unauthorized and
tanked accounts will not be available for selection.
Select the appropriate account number.
Description
Based on the account selected, the system displays the account description.
Branch Code
The system displays the current branch code.
Currency
The system displays the currency associated with the selected account.
Customer Number
The system displays the customer number of the primary customer of the account.
You can modify this and specify the customer number as per requirement. The option list
displays all valid active and open customer numbers. Select the appropriate one.
The customer number that you select here must be different from the customer number
displayed on selection of the account number.
Once you have selected the customer number, click ‘Populate’ button. The system will update
the ‘Account Signatory’ and ‘Linked Entities’ details based on the changed customer number.
If you do not click the ‘Populate’ button, on saving the record, the system will display an error
message.
Customer Name
Based on the customer number, the system displays the name of the customer.
Account Class
The system displays the account class to which the selected account belongs.
Remarks
Specify your remarks related to the change of primary customer.
3.6.1
Viewing linked Entities
Click ‘Linked Entities’ button to view the linked entities.
When you click ‘Populate’ button after selecting the customer account, the system will update
the changed customer as the primary account holder in ‘Linked Entities’ screen. The other
details will remain the same. However, you can modify the details.
For further details on the ‘Linked Entities’ screen, refer to the section ‘Specifying Linked
Entities’ in this chapter.
3.6.2
Viewing Account Signatory Details
Click ‘Account Signatory’ button to view the account signatory details.
When you click ‘Populate’ button after selecting the customer account, the system will update
the account signatory details based on the changed customer.
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If you have checked the box ‘Replicate Customer Signature’, then the system clears the
signatures maintained for the old customer in the ‘Account Signatory’ sub-screen and displays
the rest of the signatures. This may include signatures of the joint holders. The system will
also default the signature maintained for the changed primary account holder.
If you have not checked the option ‘Replicate Customer Signature’, then the system clears the
signatures maintained for the old customer.
For further details on the ‘Account Signatory’ details, refer to the section ‘Specifying Account
Signatory Details’ in this chapter.
3.6.3
Viewing Customer Change Details
Click ‘Customer Change Details’ button to view the details of primary customer changes.
You can view the following details:
Branch Code
The system displays the branch code.
Account
The system displays the account number for which the primary account has been changed,
3.6.3.1
Validate Tab
From the ‘Validate’ tab, you can validate the customer changes and view the error/override
messages. Click ‘Validate’ button. The system will displays the following details if there is a
possible error or override during the process.
Error Code
This is the error code for the error\ override message.
Type
This indicates whether the message was an error message or an override message.
Message
This field displays the details of the error/ override message.
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The list will contain the details of possible errors in the beginning, followed by the possible
overrides.
You can generate a report of the error/ override messages using the ‘Report’ button. Once
you click this button, the system will display the ‘Report Options’ screen. Select the
appropriate options and click ‘OK’ button to generate the report.
You can view the following details in the report:
Header
Under the Header, you can view the following details:

Branch code

Account Number

New Customer Number

Old Customer Number

Remarks

Date and Time

Maker Id
Detailed
Under detailed section, you can view the following details:

Error Code

Error Type

Error Message
Based on the possible error information received, you can resolve such issues and proceed
to save the customer change.
3.6.3.2
Customer Change Log Tab
Under this tab, you can see the history of all customer changes that has happened for the
selected account.
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In this tab, you can view the history of all customer changes happened on a given account.
Against each customer change information, you can view all the overrides triggered during
the change process.
This screen will display the details of unauthorized customer changes, if any. The authorizer
can view the overrides and take a decision whether to authorize the change or not.
For each primary party change, you can view the following details:

Date of change

Old customer number

New customer number

Remarks entered by the user

The user ID of the maker

The user ID of the checker/authorizer

The user ID of the verifier

Whether the change has been authorised or not
For every selected change record, you can view the following details of the errors/ overrides:

Error code

The error/ override message
Once you have captured and verified all the details, save the record. If the new customer
number is not different from the old one, then the system will display an error message.
Note
Note the following:
–
Multi branch access is not supported for this operation.
–
This operation is considered as a customer account amendment. External notifications that exist for the customer account modification will continue to work for this.
–
If there is any unauthorized primary party change record, then the system will not
allow amendment of that customer account.
The primary party change will be effected and updated in the customer account records only
after authorization. During authorization, the system will repeat the validations. If there is any
error, then you will not be allowed to authorize the record.
You need to manually handle the following situations:

Any correction in the relationships maintained at customer account level using ‘Primary
Party Change’ screen

Modification of address at the account level

Re-submission of mandatory documents as part of customer change

Change in the ICCF product, rule or charge

Change in the joint holders list or list of signatories required because of the customer
change

Customer spread

Deactivation of ATM cards and debit cards

Changes in the status of the customer or account due to primary party change
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
Checking uninitiated transaction (transactions in external channels), upload tables,
workflow stages. Validation of transaction in referral queue, ELCM queue and PC queue

Validation of user defined status of account

Issuance of new card to the new customer

Validation of existing track receivables in the account

Records for customer and account combination in the Service Request Screen (STDSRQST)
You need to operationally handle the following changes:

Joint holders

Notice preference

Escrow transfer details

Currency limit details

Document checklist

Interest and charge subsystems

Address details, location, media, country code, cheque book name

Deposit instructions and other instructions

Nominee details

Restriction details

Memo instructions

Service request

Statement details

Interim transaction report details

UDF details

ATM details such as name on card

KYC status

Customer account tax allowance limit

Check book re-order details

Dormancy parameter details (STDSTDOR)

Salary account flag

Home branch of old and new customers

Gender, resident status, staff, minor status

Stop payment request maintained

New cheque book requests, debit card requests, Debit card activation requests
Note
Note the following:
–
Through relationship pricing it is possible to define different rates based on the eligibility criteria of the customer. After the customer change has been effected, the
system evaluates the eligibility criteria and applies benefit plan. At this point, the
system considers the relationships maintained for the new customer.
–
After the primary party change, AML tracking for online/daily TOV/monthly TOV for
the customer group associated with the new customer takes place. On the same
day, customer account entries will report to two customer numbers.
–
In case of back dated transactions in the account after primary party change, the
system considers the new customer while passing accounting entries.
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3.6.4
–
The system does not validate the origination accounts during primary party change.
–
Transactions in PC which are active at the time of primary party change will show
the old customer number itself in the ‘Payments and Collections Contract’ screen.
–
The changes made using ‘Primary Party Change’ screen will not reflect in the
change log of the customer account screen.
Viewing Primary Party Change Summary
You can view a summary of primary party changes made in the system using ‘Primary Party
Change Maintenance Summary’ screen. To invoke this screen, type ‘STSCUSCH’ in the field
at the top right corner of the application toolbar and click the adjoining arrow button.
You can search for the records based on one or more of the following parameters:

Authorization status

Record status

Branch code

Account number
Once you have specified the parameters, click ‘Search’ button. The system displays the
following details of all records that match the search criteria.

Authorization status

Record status

Branch code

Account number

Account description

Account class
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
Customer number
Note
Following are some additional information related to primary party change.
3.7
–
The system does not validate the usage of the account in the any retail transactions.
Retail transactions includes following modules RT, UP, CG, IS and DE.
–
If the account is used in corporate transactions, the system validates whether the
account is maintained as a settlement account in any of the authorized or unauthorized contracts. If it is used, the system displays an override message listing the
transaction reference numbers. Corporate transactions include the transactions
from the modules other than those mentioned above.
–
After the primary party change, the customer balance report to the MIS codes of the
new customer. For existing transactions, the related customer or customer in MIS
will not change.
Maintaining Customer De-duplication
You can frame the rule to avoid the duplicate the customer data using ‘Customer Dedup
Maintenance’ screen. Also, you can modify the existing the De-duplication rule condition. You
can invoke this screen by typing ‘STDDEDUP’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You need to specify the following details:
Bank Code
Specify the unique bank code from the adjoining option list.
Bank Description
System defaults the bank name depending on the bank code selected.
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Deduplication Rule
Sequence Number
System generates a new sequence number for each column whenever a parameter is
changed.
Condition
Select the field name for the de-duplication check from the adjoining drop-down list. System
displays all the fields of the below tabs in the customer creation screen.

Main

Auxiliary

Personal

Corporate
System will check the data duplication for the selected fields.
Note
System performs the de-duplication check for all existing customers against the latest
available de-duplication condition maintained at the bank level.
System performs the de-duplication check for the new customers during customer creation
and for existing customer during customer reopening as well as if the de-duplication rules
are updated.
System performs de-duplication check for customers uploaded through Excel and also for
customers created through BPEL.
System allows modifying the de-duplication rule condition if and whenever required.
3.8
Maintaining Joint Holder Details
You can maintain joint holders details using ‘Joint Holder Maintenance’ screen.You can
invoke this screen by typing ‘STDJHMNT’ in the field at the top right corner of the Application
tool bar and clicking on the adjoining arrow button.
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Specify the following details:
Account Number
Specify the account number for which you want to enquire about the joint holder details. The
adjoining option list displays the list of all valid account numbers. Select the appropriate one.
Based on the account number selected, the system defaults the following details:

Account Description

Account Branch

Account Currency

Customer Number

Customer Name

Account Type

Mode of Operation
List of Joint Holders
You can add the joint holder details in this section if the selected account type is ‘Joint’.
Maintain the following details:
Customer Number
Specify the customer Id for the joint holder. The adjoining option list displays the list of all valid
customer numbers. Select the appropriate one.
You cannot specify the primary customer number here.
Customer Name
The system displays the customer name based on the customer number selected.
Joint Holder Type
Specify the type of a joint account, a type of authority. Select the appropriate one from the
adjoining drop-down menu. The options are:

Authorized Signatory

Customer Contact Person

Guardian

Custodian

Developer

Guarantor

Joint and First

Joint and Other

Joint or First

Joint or Other

Nominee

Related for Enquiry

Solicitor

Sole Owner

Third Party

Trustee

Valuer
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
Power of Attorney
Note
One joint holder can have only one joint holder type of relation with the account. For example, if a customer is added as an ‘Authorized Signatory’ for the account, the same customer cannot be added as any other joint holder type.
You cannot modify the primary holder in this maintenance.
Start Date
Specify the starting date or valid from of the joint account.
End Date
Specify the date on which the joint account has ended.
The system validates the specified details and saves the record.
3.9
Viewing Joint Holder Details
You can view the joint holder details maintained in ‘Joint Holder Maintenance’ screen using
the ‘Joint Holder Summary’ screen. You can invoke this screen by typing ‘STSJHMNT’ in the
field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
In the above screen, you can base your queries on any or all of the following parameters and
fetch records:

Authorization Status

Record Status

Account Number
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
Account Type

Branch Code

Customer Number
Select any or all of the above parameters for a query and click ‘Search’ button. The records
meeting the selected criteria are displayed.

Authorization Status

Record Status

Account Number

Account Description

Customer Number

Customer Name

Account Type

Branch Code
3.10 Reconciliation of MT110 with Incoming Cheque
Transactions
MT110 Message is received by the drawee bank from the correspondent bank, as a
confirmation of the cheque issuance. When the cheque is received in the drawee bank,
system reconciles the message with the inward clearing transaction in the system.
3.10.1
Processing MT110 Incoming Message
After receiving the MT110 message, system stores the message details in a data store, with
the status as ‘U’ and tries to resolve the payment account from the Sender’s Correspondent/
Receiver’s Correspondent (field 53a or 54a) if present.
If the ‘MT110 Reconciliation required’ flag is chosen for the account, then the system stores
the message details for reconciliation in a data store and the below reconciliation process is
done.
System tries to resolve the cheque and it’s clearing transaction with the below details of the
message.

Cheque number (field 21),

Instrument Amount (field 32a)

Resolved payment account number.
If the inward clearing transaction for the cheque is found, then the transaction is updated with
the MT110 message reference number and the status of the message and the instrument
transaction is marked as ‘R’ (‘Reconciled’).
3.10.2
Processing Inward Cheque Clearing Transaction
After the receipt of the cheque, if the MT110 Reconciliation required flag is chosen for the
remitter account, then the system does the below reconciliation process:

System tries to resolve the MT110 received for the instrument. If the message is identified, then the clearing transaction gets updated with the MT110 message reference
number and the status of the message and the instrument transaction would be marked
as ‘R’ (‘Reconciled’).
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
If the message is not identified, then the status of the Instrument transaction gets
marked as ‘U’ (Un-Reconciled)
Else the Reconciliation status gets updated as ‘N‘(Not Applicable).
Refer heading ‘Specifying Clearing/Cheque Details’ in the Utility Payments Manual for further
details on ‘Clearing Transaction Query’ screen.
3.11 Processing Escrow Sweeps
Escrow Sweep is a process in which the system automatically transfers a predefined
percentage of amount that is credited to project account to the Escrow account maintained at
the Customer Account Maintenance level.
When a transaction is saved at the Customer Account Maintenance level, the system verifies
for the following at different levels:

Escrow Processing enabled at the Transaction Code Maintenance level

Escrow Process enabled for the Credit account
If Escrow Process is enabled for Transaction code and Credit account, then the system
calculates the value of the amount to be blocked for Escrow transfer, based on the
Percentage maintained at the Customer Account level. The system then saves these amount
blocks as Escrow type Amount Blocks, with an unique, original transaction reference number.
Note
On modifications transaction, the block amount would be recomputed accordingly.
During EOD batch process (CASABAT), Escrow amount blocks with block expiry date on or
before the application date are transferred to the Escrow account, maintained at the customer
account level with the transaction code maintained at account class level.
The Amount blocks are placed based on the following conditions:

For Future dated transaction, the Amount Block will be placed with the block expiry date
as effective date of transaction.

For current dated transaction, the Amount Block will be placed with the block expiry date
as application date.

If the transaction is saved after the currency cut off time, then the Amount Block will be
placed with the block expiry date as next day and system processes Escrow transfer on
the next day.
Note
Cut off time is applicable only for transaction entry and not for authorization of transaction.
Reversal of transaction happens based on the following conditions

If the Reversal of transaction is done on same day, the amount block that is placed due
to the escrow transaction will be removed.

If the transaction is reversed on next day after escrow amount block is processed, then
the system reverts the amount from the Escrow account. The negative entries will be
posted with the reversal transaction code maintained at account class level.
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3.12 Processing Sweep In
The linked cover accounts, Auto Deposits and Term Deposits are debited online or real time
and Primary CASA account is funded immediately to ensure that primary CASA account is
not moved into debit balance due to Sweep in before EOD batch processing and complete
the Debit Transaction.
When a Sweep in transaction is initiated due to shortfall in Primary CASA account, the system
will identify the linked accounts and the amount to be debited during sweep in.
The system will post two sets of accounting entries in a single transaction to complete the
debit transaction. This debit transaction involves online funding of Primary CASA account and
then debiting of Primary CASA account.
The following accounting entries are posted:
Set 1:
Debit Linked Accounts (To the extent of shortfall amount)
Credit CASA Account (To the extent of shortfall amount)
Set 2:
Debit CASA account (Transaction amount)
Credit Target account (Transaction amount)
Both sets of accounting entries are passed in a single transaction, so that the amount swept
in to primary account will be utilized to honour the debit transaction.
When the TD account is linked in sweep in structure, the system imposes amount block on
linked TD accounts to the extent of linked amount.
If the available balance is not sufficient to meet the shortfall in Primary CASA account, then
the system will only consider available balance of cover account and proceed with next linked
account .
The system performs few validations for sweep in at account level and account class level.
The following validations are performed for sweep in at account class level:

If Sweep in & Reverse Sweep in check boxes are not checked at Auto Deposit Account
Class level, then the system will not allow you to check these check boxes at Auto
Deposit Account level.

If Sweep in & Reverse Sweep check boxes are checked at Auto Deposit Account Class
level, then the system will not allow you to uncheck these check boxes at Auto Deposit
Account level.
The account level validations and process for CASA, Cover, Auto Deposit and TD accounts
are detailed below:
CASA Account

If ‘Enable Sweep in’ check box is unchecked while creating a CASA account and is
checked during life cycle based on customer request, then the existing auto deposits
will be part of sweep in structure, provided the account class of Auto Deposit is enabled
for sweeps.

You can uncheck ‘Enable Sweep in’ check box at Primary CASA account level, only if
cover accounts and term deposits are de-linked. However, you need to de-link the cover
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accounts and term deposits before disabling Sweep in feature at primary CASA account. Also, since de-linking is disabled for auto deposits, the system will automatically
de-link auto deposits once ‘Enable Sweep in’ check box is unchecked at primary CASA
account level.

During account opening/ account amendment, you can uncheck both the check boxes,
even if they are checked at Account class level.

While closing CASA account, the system by default de-links the linked Cover accounts
and Term deposits and displays the information message notifying the de-linking of
linked account.

If any Auto deposit exists while closing the CASA account, the system will display the
error message as “Account has slave accounts”.
Cover Account

When you specify cover accounts for a primary account,
–
The system validates if the cover account is frozen / dormant / debit restricted. If
yes, then the system displays an appropriate override/error message as “The cover
account is frozen/dormant/debit restricted”.
–
The system validates if holding patterns of cover account and primary account are
same. If not equal, then displays the override/error message as “Holding Pattern
Mismatch".
This validation is enable only during linkage of cover accounts.
If there is a change in holding pattern of primary/cover accounts after the linkage of
cover account, then the system will not validate during the process of changing the
holding pattern. This process needs to be handled manually.
–
The system validates if primary customer number of cover account and primary account are same. If not equal, then displays the override/error message as "Customer Number Mismatch".
This validation is enable only during linkage of cover accounts.
If there is a change in primary customer of primary/cover accounts after the linkage
of cover account, then the system will not validate during the process of changing
the primary customer. This process needs to be handled manually.

You can configure the message as either override or error depending. If it is configured
as error, then the system will disable saving of cover account linkage operation if the
cover account is frozen / dormant / debit restricted. If it is configured as override, then
the system will enable linkage; however, during sweep in process, the cover account
will be skipped if the status is frozen / dormant/debit restricted. So that the system need
not track it for replenishment.

You can disable sweep in feature for a cover account only after de-linking it from sweep
structure. Else, the system will display an error message.

You can disable reverse sweep in feature for a cover account even after utilization.
However, the utilization due to sweep in will not become zero. Also, the system will not
consider the cover account for reverse sweep in, since the ‘Reverse Sweep In’ field is
disabled, when the funds are available in primary CASA account. After disabling the
‘Reverse Sweep In’ field at cover account level, if you re-enable ‘Reverse Sweep In’
field, then the system triggers reverse sweep in whenever there are funds in primary
CASA account, considering the old utilization amount.
Note
–
Though disabling reverse sweep in flag and again enabling it after some time is not
a generic business scenario, we will handle this in design to avoid any future issues.
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
While linking cover accounts to a Primary CASA account, the system will validate that
‘Enable Sweep in’ check box is checked for the cover account at account level. Else,
the system will not allow linking the cover account to the Primary CASA account.

If ‘Enable Reverse Sweep in’ check box is not checked at Cover account level, then the
system will not trigger reverse sweep in of funds from Primary CASA account when Primary CASA account is credited.

You cannot check the ‘Enable Sweep in’ and ‘Enable Reverse Sweep in’ check boxes
at Cover account level, if these check boxes are not enabled at Account class level.
However, if the check boxes are checked at Account class level, the same can be disabled at Account level during account opening/ account amendment.

If a Cover account is enabled with No credits, then the system skips that account during
reverse sweep in process. However, the system tracks the Sweep in amount and credits
once ‘No Credits’ check box is unchecked.
Auto and TD Accounts
The following are the validations and processes for auto deposits on specified deposit
account:

When you create an Auto deposit using surplus funds from a primary CASA account,
The system will validate if ‘Enable Sweep in’ check box is checked at the primary CASA
account level and at the Auto Deposit Account class level.

If ‘Enable Sweep in’ check box is checked at both places, then the system will create
automatic linkage of Auto deposits with primary CASA account as part of ‘Sweep Structure Maintenance’ screen. The latest deposit is placed on the top and linkage percentage is by default maintained as 100% and the auto deposit amount is maintained as
linkage amount.
The order of linkage of auto deposits at ‘Sweep Structure Maintenance’ level does not
influence the order in which auto deposits are broken for sweeping out funds from auto
deposits to primary CASA account.
The following are the validations and processes for term deposits on specified deposit
account:

The system validates if holding patterns of term deposit account and primary CASA account are same. If not equal, then displays the override/error message as “Holding Pattern Mismatch".

The system validates if primary customer number of term deposit account and primary
account are same. If not equal, then displays the override/error message as "Customer
Number Mismatch".

When you link a TD account in Deposit Linkage section of Primary CASA account, the
system validates if the TD account is linked as collateral. If it is already linked as a collateral, then the system validates if the available amount of the TD account is equal or
greater than the linked amount you entered. If the available amount is less than the
linked amount, then the system displays an error message and stops the process of linkage.

When you try to maintain a TD account linked to a CASA account as collateral for a Loan
account / OD account, then the system validates if the available amount of the TD account alone is maintained as collateral linkage amount. This validation is based on the
inked amount towards sweeps and any other amount block on TD account.

If TD Account Class is enabled for Sweeps, then during TD account creation or amendment, you can modify sweep in features at account level by disabling or enabling sweep
in. However, you can perform this action before linking it to Primary CASA account.

If TD Account Class is disabled for Sweeps, then during TD account creation or amendment, you will not be able to enable sweeps feature at account level during. Because,
the concerned TD Account Class is not eligible for sweeps feature.
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
If you need to disable sweep in feature for a Term Deposit account, then you need to
ensure that the Term deposit account is de-linked from primary account in ‘Term deposits’ section of ‘Sweep Structure Maintenance’ screen at Customer Account Maintenance
level. If not de-linked, then the system displays an error message alerting you to de-link
the account from sweep structure.

Term Deposit currency and CASA account currency must be similar. The system disables the linkage of Term deposit accounts in sweep structure with different currency.
De-linking Accounts
De-linking Cover Account
The cover account can be de-linked from sweep in structure any time during the life cycle,
after utilization. Once the cover account is de-linked, the system reverses sweep in amount
stored against the cover account and updates as zero.
De-linking Auto Deposits from Primary CASA account
If ‘Enable Sweep in’ check box is unchecked for Primary CASA account as part of account
amendment, then the system will de-link the existing Auto deposits from Sweep structure.
These de-linked Auto deposits and new auto deposits created after the change are broken
whenever CASA account balance goes below minimum balance.
De-linking Term Deposit from Sweep In Structure
The system facilitates you to de-link the term deposit utilized as part of sweep in, from Sweep
in structure. The moment Term deposit is de-linked, the system reverses sweep in amount
stored against the term deposit account and updates as zero. So that the system need not
track it for replenishment.
Handling Batch Closure of Auto Deposits with Zero Balance
Oracle FLEXCUBE facilitates batch closure of auto deposits with zero balance if any or all of
the following criteria are satisfied:
3.12.1

If ‘Enable Reverse Sweep in’ is unchecked for Primary CASA account

If ‘Enable Reverse Sweep in’ is unchecked for Auto Deposit account. If the Auto Deposit
account is completely utilized, then the system closes it online.

Sweep in Sequence
Sweep in and Reverse Sweep in Sequence
During Sweep in and Reverse Sweep in process, the system sequences processing of linked
accounts. Cover, auto deposits and term deposits are utilized in the defined order of
sequence.
Sweep in Sequence
The sequence followed for sweep in is:
1. Cover Accounts
2. Auto Deposit Accounts
3. Term Deposit Accounts
If there are multiple cover accounts, then the system follows the sequence of linkage in
‘Sweep Structure Maintenance’ screen at Primary account level.
If there are multiple auto deposits, then the system follows the value selected for ‘Break
Method’ parameter in Auto Deposit section of CASA account class.
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If there are multiple term deposits, then the system follows the linkage sequence in ‘Sweep
Structure Maintenance’ at Primary account level.
Reverse Sweep in Sequence
The sequence followed for sweep in is:
1. Term Deposit Accounts
2. Auto Deposit Accounts
3. Cover Accounts
If there are multiple Cover accounts, Auto Deposits and Term Deposits, then the system uses
the sweep in sequence of utilization to replenish the funds.
3.12.2
Reversal of Sweep in Transaction
Oracle FLEXCUBE supports reversal of the Sweep in transactions, irrespective of whether
the reversal is attempted on same day or subsequently. This will be supported for all types of
transactions for which reversal is allowed. Reversal will be allowed even for back value dated
debit transactions involving sweep in of funds.
Reversal of sweep in will not restore the original position, however, it is treated as credit to
linked accounts. Similarly, reversal of reverse sweep in would be treated as debit to linked
accounts.
3.12.2.1 Online Reverse Sweep in
Oracle FLEXCUBE facilitates online reverse sweep in. When a Primary CASA account
receives credit after sweep in transaction and before EOD batch processing, the system will
reverse sweep in funds to linked accounts immediately without waiting for EOD batch
process. Credit can either be partial or full. Based on the credit criteria, the system process
the online reverse sweep in.
Partial Credit to Primary CASA account
During the day, if CASA account is partially credited, then the system debits the CASA
account and credits the linked accounts in the reverse order of original utilization sequence
followed during Sweep in. The system will also keep track of remaining amounts to be
replenished in linked accounts.
The following accounting entries are posted:

Debit CASA account (Partial Credit amount)

Credit Linked Accounts (Partial credit amount)
The system will not handle accounting/amount block during EOD batch, as the linked
accounts were debited online during Sweep in. Remaining amount is tracked as ‘Amount to
be reverse swept’ and the same is adjusted next time when funds are credited.
Full Credit to Primary CASA account
During the day, if CASA account is credited with sufficient amount to cover the amount swept
in, then the system debits the CASA account and credits the linked accounts in the reverse
order of original utilization sequence followed during Sweep in.
The following accounting entries are posted:

Debit CASA account (Sweep in amount)

Credit Linked Accounts (Sweep in amount)
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The system will not handle accounting/amount block during EOD batch, as the linked
accounts were debited online during Sweep in. Only after complete replenishing of swept in
funds, the system will create Auto Deposits. However, only if there are surplus funds available
in Primary CASA account.
3.13 Levying Penalty Interest on Notice Accounts
The ‘Notice Account’ is a savings account for which the bank levies ‘Advance Interest’ if the
account holder withdraws an amount more than the ‘Free Amount’. The free amount is the
amount that a customer can withdraw per calendar month from his/her savings account
without providing any notice to the bank and without being liable to pay advance interest.
Oracle FLEXCUBE facilitates the setting up of a ‘Notice Account’ using the ‘Customer
Accounts Maintenance – Notice Preferences’ screen by enabling the option, ‘Advance
Interest’. You can also configure an account class for advance interest by enabling the option,
‘Advance Interest’ at the ‘Account Class Maintenance – Notice Preferences’ screen.
For more details on the ‘Customer Accounts Maintenance – Notice Preferences’ screen, refer
to the preceding section,titled,’Maintaining Notice Preferences for Withdrawal’.
For more details on the ‘Account Class Maintenance – Notice Preferences’ screen, refer to
the section, ‘Maintaining Notice Preferences’ in the chapter, ‘Maintaining Mandatory
Information’ of this User Manual.
These Notice Accounts are linked to the ‘Notice Period’ maintained at Account Class/
Customer Account level for the withdrawal of amount from the account. The account holder
should provide a notice of specified days/months to the bank to withdraw an amount more
than the ‘Free Amount’. Once the notice period is crossed, the notice becomes active and the
customer can withdraw the noticed amount during the validity period of the notice. For
example, if the Notice Period is 3 months then the customer should inform the Bank 3 months
in advance about the amount the customer wants to withdraw from his account.
The noticed amount can be withdrawn at one go or in several installments within the notice
validity period window. After the validity period expires, the status of the notice remains
closed.’
Note
The system deducts the advance interest from the credit Interest earned by the customer
on his credit balance in the account
If the customer does not withdraw his free amount during any month he is not allowed to
carry forward the same in the subsequent month
You have to maintain an SDE for advance interest calculation on the amount withdrawn from
the customer account. The system takes up all accounts belonging to a product, for which the
option ‘Advance Interest’ in ‘Notice Preferences’ screen is enabled, for calculating the
Advance Interest.
For more details on maintaining this SDE refer to the section, ‘Maintaining SDEs for
Computing Advance Interest’ in the chapter, ‘Maintaining System Data Elements’ of the
‘Interest and Charges’ User Manual.
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3.14 Maintaining Notice Period for Withdrawal
You can specify the notice for withdrawal of amount from the accounts using ‘Notice Period
Maintenance’ screen. You can invoke this screen by typing ‘STDNTPRD’ at the top right
corner of the application tool bar and clicking the adjoining arrow button.
The following details are captured in this screen.
Branch Code
The current branch code is defaulted here.
Account Number
Specify the account number for which you wish to maintain the notice period.
Initiation Date
Specify the date on which the notice is initiated.
Note
After specifying the initiation date click ‘Default’ to display the Notice Id, Activation Date,
Validity Period, End Date and Notice Amount. The system defaults the following fields
based on the Notice Preferences you maintain at the Customer Account level.
Activation Date
The activation date gets defaulted based on the account number and initiation date
entered.This is the date from which the notice period becomes active. However, you can
modify this date.
Validity Period
The validity period of the notice as maintained in the ‘Notice Preferences’ screen at the
account level gets defaulted here. However, you can modify this period
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Notice Amount
Specify the amount to be withdrawn within the Notice Period. The amount you specify here
should be in account currency.
The following fields are displayed in this screen:

Branch Code – The branch code of the current branch

Notice Id – The identification of the notice

End Date – The end date of the notice period
Notes
You can unlock the record and modify details but you cannot make retrospective changes.
You can modify only the inactive notices (i.e. only when application date is less than activation date of the notice).
You can close and reopen the Maintenance.
3.15 Viewing Utilization of Free Amounts
You can view the utilization of free amounts with respect to advance interest for the accounts
using ‘Notice Utilization Query’ screen.
You can invoke this screen by typing ‘STDADINT’ at the top right corner of the application tool
bar and clicking the adjoining arrow button.
You can query the records based on any or all of the following criteria:

Branch Code

Account Number

Year

Month
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Select any or all of the above parameters for a query and click ‘Search’ button. The records
meeting the selected criteria are displayed. The system displays the following details
pertaining to the fetched records:

Currency

Year

Month

Free Amount

Free Amt Utilized

Free Amt Available

Notice Amount
3.16 Viewing Dummy Numbers Associated with CIF
Number
To recall, in the Branch Parameters screen, you can specify a number range based on which
the customers of your bank will be assigned CIF numbers for identification. You can also
maintain a dummy CIF number range for a branch. The dummy CIF range will be used for
account number generation.
Refer the Core Services User Manual for details on maintaining dummy CIF number range
and its usage for customer account number generation.
You can view all the dummy CIF numbers linked to a customer in the ‘Dummy Customer
Summary’ screen. You can invoke this screen by typing ‘STSMAINT’ in the field at the top
right corner of the Application tool bar and clicking the adjoining arrow button.
In this screen, you can view the CIF number that is associated with each dummy number.
3.17 Withdrawal of Funds without Penalty
No early withdrawal penalty is charged for the first six days from a time deposit account. For
this, you must maintain an Interest and Charges (IC) period system data element (SDE),
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‘Days from Start’ which will indicate the number of days from deposit initiation to withdrawal
date. While maintaining the penalty formula, you can specify a condition to charge penalty
only if the value of the ‘Days from Start’ SDE is greater than 6 days.
3.18 Closing Account
When you close an account, the system will check whether an IC product linked to the account
is pending liquidation. If an IC Product is pending liquidation, you will be prompted to perform
the liquidation before closing the account.
If any provisioning has been done in respect of the account, the relevant amount is written
back to the GL as specified in the maintenance, on Closure. If the account does not have any
IC products pending liquidation the system will display list of ‘Close Out’ modes in the Account
Closure Details screen.
In this screen you can select the Close Mode, which is to be used to close the account. The
option list positioned next to this field contains a list of all the Close Modes maintained in the
Customer Account Closing Modes screen. The product linked to the close mode will be
defaulted.
Some of the close out modes may require additional details to complete the transaction.
These additional details can pertain to either of the following:

The Offset Account
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
The Instrument (when the Close Out is through an Instrument) with which you payoff the
balance in the account
Thus, based on the mode selected the withdrawal entries are booked against the appropriate
product. The balance of the account will drop down to zero. Subsequently, the account is
marked as closed.
If this customer is a corporate customer, then you will not be able to close the customer
account record if the following conditions are met:

The account belongs to a savings or current account class.

The account is a member of a netting group and there are any non-netted transactions
of the netting group awaiting netting under the netting batch.
Click on the ‘Charge’ button to display the calculated charges of the retail teller charge
product.
In the charge details screen, the system arrives at the final payout amount to the customer
after deducting the calculated charge amount. If the charge amount is waived off, then it will
not be deducted from the final payout amount.
If the account balance is not sufficient to cover the charge then the system displays
appropriate error message.
Note
If any other charges are linked to the close out product, the same will be deducted from
the final payout amount
Refer the section ‘Maintaining Netting Group’ in the chapter ‘Accounts for Inter-Branch
Transactions’ in the Core Services User Manual for further details about netting.
For detailed information on the Customer Account Closing Mode Maintenance screen, you
can refer the Maintaining Customer Account Closing Modes sub-heading in this manual.
3.19 Recording Details of Lodgment Book Requests
For a customer account, you can record details of lodgment book requests, provided the use
of lodgment books is allowed for the account. You can capture these details in the ‘Lodgment
Book Maintenance’ screen. You can invoke this screen by typing ‘CADLOGBK’ in the field at
the top right corner of the Application tool bar and clicking the adjoining arrow button.
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For each request, you need to capture the following details:
Account Number
You can specify the account number of the customer account in respect of which the request
for the lodgment book was received.
Start Number for the Lodgment Book
You can specify the start number for the leaves in the lodgment book. This depends upon your
specification in the Bank Wide Parameters, in respect of uniqueness of lodgment book
numbers.
For Example, In the Bank Wide Parameters, you have specified that lodgment book numbers
must be unique for the branch. This means that lodgment numbers need to be unique across
all accounts of that branch. For instance, if a book is maintained with the Start Number as 1,
and containing 25 leaves, you cannot start another book in respect of any other account, with
these numbers. If you have specified that lodgment book numbers must be unique to
accounts in the branch, and a book is maintained with the Start Number as 1, and containing
25 leaves, you cannot start another book in respect of the same account, with these numbers.
However, you can start a book with the same numbers in respect of another account in the
branch.
Number of Leaves
You can specify the number of leaves that the lodgment book is to have
Order Date and Issue Date
By default, the order date and the issue date of the lodgment book is considered to be the
application date; you can change the dates and specify them as required.
Order Details
You can specify order details as required for the lodgment book.
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Order Details for Lodgment Printing
If you wish the order details to be sent to the lodgment book-printing agent, you can indicate
so. If you indicate this by checking the Include for Lodgment Printing box, the issue date for
the lodgment book will be updated by the printing interface.
3.20 Querying for Account Statistics
You can view period-wise statistics for an account in the ‘Customer Account Statistics Query’
screen. You can invoke this screen by typing ‘ACDASTQY’ in the field at the top right corner
of the Application tool bar and clicking the adjoining arrow button.
Check Linked Customer and provide Account Number and click Query button to view all
Account Numbers of the customers and its linked customers in Linked Customer Details. To
query on any account displayed, select the account and click ‘Fetch’ button. A query operation
is performed on the selected customer and the details are displayed. The displayed values
are based on the query parameters provided.
The details displayed are as follows:

Low and High Balance for a period
The lowest and highest current balances for the period

Average credit and debit balance for a period
This is computed as the sum of credit/(debit) current balances in a period, divided by the
number of days of credit/(debit) balance during the period

Credit and debit days
The number of days the account was in credit/(debit) balance in the period

Credit and Debit Turnover
The credit/ (debit) turnover for the period
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
Excess days in debit balance
The number of days in a month when the account exceeded the overdraft limits

Overdraft Limit
This is computed by summing the temporary overdraft limit and the sub-limit of the account.
For each month, this would represent the limit on the last date of the month

Credit grade of the Customer
This would be the prevalent rating on the last day of the period. For the current period, this
information is provided up to the previous working day.
Printing of this information for an account is only possible if the Account Statistics option has
been enabled in the Account Class Maintenance for the account class used by the account.
If account statistics has been enabled, an accounting End of Day (EOD) process updates the
statistics table both period-wise and according to financial years. The book-dated balances
are used for computation of statistics, and the balances are maintained according to
accounting periods.
3.21 Querying for Month-Wise Customer Account
Statistics
You can query for month-wise statistics for an account in the ‘Monthly Account Statistics’
screen. You can invoke this screen by typing ‘STDACSTA’ in the field at the top right corner
of the Application tool bar and clicking the adjoining arrow button.
Specify the following fields:
Customer No
Specify the customer number.
Customer Acc No
Specify the customer account number.
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Branch Code
Specify the branch code.
Cumulative Account Statistics
You can view the following cumulative account statistics of the account:

Total Balance

Monthly Average

Simple Average Balance

Maximum Balance

Minimum Balance

No of Debit Transaction

No of Credit Transaction

No of Returned Cheques

No of Overdrafts

Monthly Credit Average

Debit Average

Credit Average

Days in Debt

Days in Credit

Monthly Debit Average
Monthly Account Statistics
You can view the following monthly account statistics of the account:

Run Date

Customer Number

Account Number

Branch code

Customer Name

Total Balance

Maximum Balance

Minimum Balance

Simple Average Balance

Debit Average

Credit Average

Excess OD Average

Currency

No of Returned Cheques

No of Debit Transaction

No of Credit Transaction

Closing Balance

Debit Interest

Non Sufficient Funds

Charges Amount
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
Debit Check Returned

Visa Debit Details

Last Debit Transactions

Last Credit Transactions

Last Overdraft Transaction

Days in Debt

Monthly Debit Average

Days in Excess OD

Monthly Average

No of Overdrafts

Days in Credit

Monthly Credit Average
3.22 Querying Account Details
You can query and view the account details using ‘Transaction Enquiry’ screen. You can
invoke this screen by typing ‘STDBLINQ’ at the top right corner of the application tool bar and
clicking the adjoining arrow button.
Account Number
Specify the customer account number into which the cash needs to be deposited. Upon
keying the account number, the system will default the Account Number, Account Branch and
Account Currency for the corresponding account. In case of multiple accounts with the same
account number, the system will pop-up a list of account numbers with account branches to
select.
Branch Code
The system displays branch code based on the specified account number.
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Account Description
The system describes the account for the specified account number here.
Statement Period
Select the statement period to limit the number of transactions to be listed. By default,
‘Transaction’ option is selected as the statement period. Therefore, only last five transactions
will be listed.
Note
If you specified statement period is less than 6 months, then system will display an error
message.
You need to have rights for that particular branch otherwise; you cannot query the account
details.
Period
Start Date
Specify the statement period start date of current statement period.
End Date
Specify the statement period end date of current statement period.
Note
After specifying the search parameters press ‘F7’ to enter query and ‘F8’ to execute query;
in order to view the account details.
Account Details
System displays the following details under ‘Account Details’ section:

Customer No

Name

Currency

Product

Status

Sweep in Enabled
Account Purchase Line
System displays the following details under ‘Account Purchase Line’ section:

Limit Currency

Counterparty Limit

Utilized Counterparty Limit

Limit Expiry Date
Balance Details
System displays the following details under ‘Balance Details’ section:

Available Balance

Available Balance with Limits
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
Last Statement Date

Last Statement Balance

Opening Balance

Net Balance

Note
The system calculates the net balance using the following formula:
–
Net balance = (Available Limit from Credit Line + Available Balance + TOD Limit +
Day light limit + Utilized Line Amount of the Account +Withdraw able Uncollected
funds) - (Minimum Balance)
Minimum Balance will be considered only if it is lesser than the available balance. If the
available balance is greater than zero and less than the minimum balance, then the system considers available balance as zero.
As the unauthorized debits and amount block are already considered for calculating the
available balance, the unauthorized debits and amount block are not included in the formula for new net balance.
The net balance will be in the account currency.
Net balance is not applicable and will be empty if a valid non revolving line is linked to the
customer account.
Transactions
System displays the transactions depending on the ‘Statement Period’ selected, and displays
the following details under ‘Transactions’ section:

Transaction Date

Value Date

Description

Instrument Code

Branch

Debit

Credit

Running Balance
System displays the following details:

Transaction Initiation Date

User ID

Authorization Id

Batch Number

Transaction Code

Description

Local Currency

Exchange Rate

LCY Amount
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Summary
System displays the following details under ‘Summary’ section:

Total Debit Amount

Total Credit Amount

Debit Count

Credit Count
3.23 Viewing Month-Wise Customer Account Statistics
You can view month-wise statistics for an account in the ‘Monthly Account Statistics’ screen.
You can invoke this screen by typing ‘STSACSTA’ at the top right corner of the application
tool bar and clicking the adjoining arrow button.
Using this screen, you can search for month-wise account details based on one or more of
the following parameters:

Customer number

Currency

Branch code

Customer account number

Customer name
Click ‘Search’ button. Based on the search criteria, the system displays the following monthwise account details:

Customer number

Customer account number

Currency

Customer name

Branch code

Simple average balance

Minimum balance
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
Maximum balance

Number of debit transactions

Number of credit transactions

Debit average

Credit average
3.24 Viewing Customer Account Balance
You can view the balance and account status of a customer account from any customer
account field of any screen in Oracle FLEXCUBE.
To view the balance and account status you need to select the customer account and press
F11.
For e.g. to view the account balance information and account status of the credit account that
you have selected in the ‘Funds Transfer Contract Input’ screen, place your cursor in the
credit account field and press F11.
The system will open the ‘Customer Balance View’ screen containing the brief information
about the credit account selected.
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The ‘Customer Balance View’ screen would contain the following information:

Branch Code

Customer Account

Customer ID

Account Current Balance

Account Available Balance

Local Currency Current Balance
Click the ‘Details’ button on the ‘Customer’s Balance View’ screen to open the ‘Customer
Account Balance’ screen. This screen consists of detailed information on customer’s balance.
The system displays the detailed balance information of the selected customer account if it is
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a valid customer. You can also invoke this screen by typing ‘STDCUSBL’ at the top right
corner of the application tool bar and clicking the adjoining arrow button..
Basic Details
The system displays the following details under ‘Account Details’ section:

Account Number

Account Description

Branch Code

Account Class

Currency

Customer No

Account Open Date

Customer Name

Ownership

Mode of Operation
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Memo Details
The system displays the following details:

Instruction Id

Instruction Description

Cheque Date

Instruction Expiry Date

Display Type
Balances
The system displays the following details under ‘Balance Details’ section:

Current Balance

Uncollected

Blocked

Available

Total Available

Book Balance

Sweep Eligible Balance

ILM Sweep Eligible Balance

Temporary Overdraft Limit

Net Balance
Note
The system calculates the net balance using the following formula:
–
Net balance = (Available Limit from Credit Line + Available Balance + TOD Limit +
Day light limit + Utilized Line Amount of the Account +Withdraw able Uncollected
funds) - (Minimum Balance)
Minimum Balance will be considered only if it is lesser than the available balance. If the
available balance is greater than zero and less than the minimum balance, then the system considers available balance as zero.
As the unauthorized debits and amount block are already considered for calculating the
available balance, the unauthorized debits and amount block are not included in the formula for new net balance.
The net balance will be in the account currency.
Net balance is not applicable and will be empty if a valid non revolving line is linked to the
customer account.
Status
The system displays the following details under ‘Status’ section:

Posting Allowed

Blocked

Dormant

Stop Payment
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
Frozen

Status Change Automatic

No Credits

Overdraft

No Debits
Sweeps
The system displays the following details under ‘Sweeps’ section:

Sweep in Enabled
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The system will capture the required information from the ‘Transaction Enquiry’ screen and
defaults the same information in transaction details.
Turnover Details
The system displays the following details under ‘Balance Details’ section:

Opening
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
Daily Turnover (Cr)

Daily Turnover (Dr)

Currency (ACY)
Additional Details
The system displays the following details under ‘Balance Details’ section:

Accrued Interest (Dr)

Accrued Interest (Cr)

Interest Due

Charges Due

Last Interest Debit

Last Interest Credit

Last DR Activity

Last CR Activity
System displays the transactions depending on the ‘Statement Period’ selected, and displays
the following details under ‘Transactions’ section:

Transaction Date

Value Date

Description

Branch

Credit

Debit
3.25 Quick CASA Account Opening
You can open a quick CASA account using the ‘Quick Customer Account Opening’ screen.
The ‘Quick Customer Account Opening’ screen will support the new and authorization
operations. Any additional modifications need to be updated in the ‘Customer Accounts
Maintenance’ screen.
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You can invoke the ‘Quick Customer Account Opening’ screen by typing ‘STDCASAC’ in the
field at the top right corner of the Application tool bar and clicking the adjoining arrow button.
Click the ‘New’ button on Oracle FLEXCUBE to create a new CASA account.
You need to specify the following information:
Customer No
Specify the customer identification number allotted by the bank. It is a mandatory field.
Customer Name
Specify the customer’s name.
Currency
The system defaults the local currency as the account currency. However, you can change
the currency, if required.
Account
By default, the system displays the account number.
Account Class
Specify the account class of the customer.
Click ‘Fetch’ button to fetch the account number. The system will fetch the account number in
the following ways:
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
If the Auto Account Generate option is enabled in branch parameter, the system will default the auto-generated account number.

If the Auto Account Generate option is disabled in branch parameter, the system will
popup the account window. You can specify the account number and it will be defaulted
in the main screen.
Branch Code
The system defaults the local branch as the account branch.
SD User Reference
The system displays the SD user reference for the account.
Private Customer
The system displays a check in the box if the customer is a private customer.
3.25.1
Specifying the Main details
In the ‘Main’ tab, the system provides some information and you also need to specify few
details.
The system displays the following basic details of the customer:
Account Description
The system displays the customer’s complete name. You can modify it, if required.
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Account Type
The system displays the account type as either ‘Single’ or ‘Joint’. If the account type is ‘Joint’,
the system allows specifying the joint holder’s information.
Mode of Operation
Select the mode of operation.
Account Open Date
The system displays the current branch date.
List of Joint Holders
List of Joint Holders contains the joint holder’s information. You need to specify the following
information:
Customer Number
Specify the customer Id for the joint holder. The adjoining option list displays the list of all valid
customer numbers. Select the appropriate one.
Customer Name
The system displays the customer name based on the selected customer number.
Joint Holder Type
Specify the type of the joint account.
Start Date
Specify the starting date of the joint account.
End Date
Specify the date on which the joint account has ended.
Nominee Details
It contains the nominee’s details. You need to specify the following details:
Name
Specify the nominee’s complete name.
Date of Birth
Specify the nominee’s date of birth.
Relationship
Specify the customer’s relationship with the nominee.
Address 1 – 4
Specify the complete address of the nominee.
Minor
Check the box, if the nominee is a minor.
Guardian Name
Specify the complete name of nominee’s guardian.
Relationship
Specify the nominee’s relationship with the guardian.
Address 1 – 4
Specify the complete address of the guardian.
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Options
Options consist of the additional preferences that you would like to opt for. You can select the
following facilities, if required:
Replicate Customer Signature
The system will select the Replicate Customer Signature, by default. However, you can
uncheck it, if required.
Salary Account
Check the box if the account is a salary account.
Account Facilities
Account Facilities consists of the facilities provided for the corresponding account. You need
to specify the following information:
Cheque Book
Check the box to avail the facilities of a cheque book.
Passbook
Check the box to avail the facilities of a passbook.
ATM
Check the box to avail the facilities of an Anytime Teller Machine (ATM).
Alternate Account Number
Specify an alternate account number, if any.
More Preferences
More Preferences consists of the additional facilities provided by the bank. You need to
specify the following facilities that you prefer:
Auto Debit Card Request
Check the box to raise a request for debit card. If the ‘Auto Debit Card Request’ check box is
selected, the system will invoke the ‘Debit Card Details’ sub-screen. You need to specify the
required details in that screen.
Auto Cheque Book Request
Check the box to raise a request for cheque book. If the ‘Auto Cheque Book Request’ check
box is selected, the system will invoke the ‘Cheque Book Request’ sub-screen. You need to
specify the required details in that screen.
Cheque Book Name 1
Specify the name that needs to be displayed in the cheque book.
Cheque Book Name 2
Specify an alternative name that needs to be displayed in the cheque book.
ATM Account Number
Specify the account number associated with the ATM card.
Initial Funding
Initial Funding consist of the information on initial funding of the account. Specify the following
account information:
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Account Opening Amount
Specify the opening amount of the account. The amount should not be less than the limit
specified in the account class currency preferences level.
Pay In Option
Select the Pay In Option for the account. The options provided are:

Pay In By Account

Pay In By GL – This should be maintained in the 'Term Deposit Pay in Parameters Maintenance' screen with Branch code
Offset Branch
Specify the branch code of the account for redemption.
Offset Account
Specify the offset account.
Waive Account Opening Charges
Check the box to waive off the opening charges of the corresponding account.
Note
If the Initial funding details maintained at the account class level, then on account level the
same is mandatory.
3.25.2
Specifying the Check List Details
Check List is an optional tab based on the workflow of the bank.
In the Check List tab, you need to specify the following details:
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Document List
Document List contains the information about the documents submitted to the bank for
various purposes. You need to specify the following details:
Document Type
You can select the documents that are maintained in the account class.
Mandatory
Check the box if the document is mandatory.
Checked
Check the box if the document is checked.
Note
Check list will be defaulted from the account class document list, based on the customer
type. If any of the documents is mandatory at account class, then the same should be captured in the account screen and it should be marked as checked, otherwise, system will
not allow saving the account.
Remarks
‘Remarks’ contains the additional information of the document notifications. You need to
specify the following details:
Remarks
Specify the additional information of the document notifications, if any.
After providing the necessary information, click the ‘Save’ button to save the information
provided. The information is saved differently in the following scenarios:
3.25.3

If the auto-authorize is enabled for the corresponding account, the system will save and
authorize the account.

If the auto-authorize is disabled for the corresponding account, the account will be
saved in unauthorized status. The authorizer will query the newly created account in
‘Customer Accounts Maintenance’ screen to authorize the same.
Specifying MIS Details
You can capture Management Information System details for the account, using the
‘Management Information System’ screen. To invoke this screen, click ‘MIS’ button in the
‘Customer Accounts Maintenance’ screen.
For more details on the ‘Management Information System’ screen, refer to the section
’Specifying MIS Details’ in this chapter.
3.25.4
Specifying UDF Details
You can capture User Defined Fields for the account, using the ‘User Defined Fields’ screen.
To invoke this screen, click ‘Fields’ button in the ‘Customer Accounts Maintenance’ screen.
For more details on the ‘User Defined Fields’ screen, refer to the section ’Specifying UDF
Details’ in this chapter.
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3.25.5
Specifying Cheque Book Request Details
Click on the ‘Cheque Book Request’ button in the ‘Customer Account Maintenance’ screen to
invoke the Cheque Book Request screen.
For more details on the ‘Cheque Book Request’ screen, refer to the section ’Specifying
Cheque Book Request Details' in this chapter.
3.25.6
Specifying Debit Card Request Details
Click on the ‘Card Request’ button in the ‘Customer Account Maintenance’ screen to invoke
the Debit Card Request Details screen.
For more details on the ‘Debit Card Details’ screen, refer to the section ‘Specifying Debit Card
Request Details' in this chapter.
3.25.7
Specifying Change Log Details
You can capture the audit history details for the operations performed on that customer and
the account using the ‘Change Log’ screen. To invoke this screen, click ‘Change Log’ button
in the ‘Customer Accounts Maintenance’ screen.
For more details on the ‘Change Log’ screen, refer to the section ‘Customer Change Log Tab
in this chapter.
3.25.8
Viewing Quick Customer Account Summary
You can view the summary details of the quick customer account in the ‘Quick Customer
Account Summary’ screen. To invoke this screen, type ‘STSCASAC’ in the field at the top right
corner of the Application tool bar and click the adjoining arrow button.
You can search for the records based on one or more of the following parameters:

Authorization Status

Record Status

Branch Code

Account
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Once you have specified the search parameters, click ‘Search’ button. The system displays
the following information:

Authorization Status

Record Status

Branch Code

Account

Account Description

Customer No

Currency

Account Class

No Debits

No Credits

Stop Payments

Dormant

Account Open Date

Alternate Account Number

Cheque Book

Passbook

ATM Account Number

Account Type

Frozen

MT110 Reconciliation Required
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3.26 Querying Accounting Reconciliation
You can query accounting reconciliation through 'Accounting Reconciliation Query' screen.
You can invoke this screen by typing 'ACDRECNC' in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
Account or GL
Indicate if you would like to view reconciliation details for an account or GL.
Account Number
Specify the account number.
Account Currency
Specify the currency of the account.
Date
Specify the date.
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View Criteria
Indicate, by clicking on the appropriate radio button, if you would like to retrieve reconciliation
details for a GL according to the following criteria:

Unreconciled amounts

Reconciled amounts

Both
GL Code
Specify the General Ledger Code.
General Ledger Currency
Specify the currency of general ledger.
Date
Specify the date
General Ledger Type
Select the type of general ledger from the following:

Internal General Ledger

Customer General Ledger
General Ledger Details
Master
Reconciliation Number
Specify the reconciliation number.
Reference Number
Specify the reference number.
Amount
Specify the Amount
Unreconciled Amount
Specify the unreconciled amount.
Date
Specify the date
Details
Reference Number
Specify the reference number.
Amount
Specify the Amount
Reconciliation Number
Specify the reconciliation number.
Date
Specify the date..
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Account Details
Master
Reconciliation Number
Specify the reconciliation number.
Reference Number
Specify the reference number.
Amount
Specify the Amount
Unreconciled Amount
Specify the unreconciled amount.
Date
Specify the date
Details
Reference Number
Specify the reference number.
Amount
Specify the Amount
Reconciliation Number
Specify the reconciliation number.
Date
Specify the date
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4. Maintaining Tax Allowance Limit
4.1
Introduction
You can maintain tax-free allowance limit at the customer account level. The allowance limit
at account level will be used only for Interest computed on the account.
4.2
Maintaining Customer Tax Allowance
You can access this screen by typing ‘STDCULMT’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button. The screen appears as shown
below:
Specify the following details.
Customer Account Number
You need to specify the customer account for which you wish to maintain Tax Allowance Limit.
The customer name will be displayed alongside.
Tax Category
Specify the Tax Category for which you wish to maintain tax allowance limit at the customer
account level. The description appears displayed alongside.
Customer Number
You need to specify the Customer Number for which the Customer Account Tax allowance
Limit is being defined.
Customer Name
The customer name will be displayed alongside.
4-1
From Date
You need to specify the date from which the customer account tax allowance limit is effective
To Date
You need to specify the date up to which the customer account tax allowance limit will be
applicable. The End Date should be greater than or equal to the Start Date. You can also
leave the End Date blank which would indicate that the maintenance is open ended.
Limit Amount
You need to specify the allowance amount for the customer account. Any interest earned by
the customer, exceeding this amount will be liable for tax deduction. The utilization of the
allowance would be tracked against the customers and the minimum allowance available at
the account level.
Note
The sum of limit amount specified in all the accounts of the customer should not exceed
this limit amount.
Limit Currency
This indicates the currency of the tax allowance amount for the selected customer account.
The currency appears by default from the Customer Tax Allowance screen and cannot be
changed.
Remarks
You may specify any comments you wish to record pertaining to this screen.
4-2
5. Maintaining Stamp Duty Taxation
5.1
Introduction
You can collect stamp duty from the customers on the closing debit balance of the current
accounts at the end of every quarter. Each branch maintains this amount in their GL and then
transfers the amount to the HO. The HO consolidates the amount received from all branches
and pays it manually to the government.
Note
You need to uncheck the option ‘Available Balance Check Required’ in the Transaction
Code Maintenance Screen [STDTRCOD], to force debit the stamp duty amount for the
transaction code used in the accounting entries.
The System Data Element, CURRENT_BAL, is used to obtain the closing balance of an
account.
The User Data Element, STAMP_DUTY, is used to define the for stamp duty rate for an
account.
Using the above SDE and UDE you need to create a formula and link it to the accounts.
For details on the interest rule, refer the chapter, Annexure C - IC Rule Set-up.
5-1
6. Maintaining Passbook
6.1
Introduction
You can maintain all the details needed for the issuance of passbook at the Bank parameter
and account class level. The details maintained at the Bank parameter and account class
level will be used for computing and issuing all on the account.
6.2
Maintaining Passbook Details
You can invoke the ‘New Passbook Issue’ web branch screen by typing ‘7030’ in the field at
the top right corner of the Application tool bar and clicking on the adjoining arrow button.
External Reference Number
The system generates and displays the reference number.
Passbook Type
If inventory tracking is allowed at bank level then you will be asked to enter the passbook type.
The list of values for passbook type selection will be the list of valid stock catalog codes with
instrument type as ‘Passbooks’.
Passbook Number
If inventory tracking is allowed at bank level then system will retrieve the next available
instrument number based on the passbook type. The retrieved passbook number will be
displayed to the user only after the passbook issue is saved.
Note
Passbook issuance is allowed despite the value selected for inventory tracking in bank parameter level
6-1
Previous Passbook No
The system displays the previous passbook number for the account.
Previous Passbook Status
The system displays the previous passbook status issued for the account.
Status
The system displays the status as ‘active’ or ‘Reissue & Active’.
Remarks
Enter a short remark about the passbook issue.
Branch Code
The system defaults the code of the current branch here.
Account
Specify the Account Number for which you need a new passbook. The adjoining option list
displays the accounts for which the check box ‘Passbook’ was checked at the account level.
Account Description
The system displays the description of the selected account here.
Customer ID
The system displays the Customer ID based on the selected account.
Click Populate button to view charge and history details of the passbook
Charge Tab
In Charge tab, you can capture details of charges associated with the issuance of a new
passbook.
Charge Component
The system displays a short charge description.
Waiver
Check this box if you want to waive charges associated with issuance of new passbook.
Charge Amount
The system computes and displays the charge amount associated with the issuance of
passbook. However you can edit it.
Currency
The system displays the currency used. It need not be same as account currency.
Charge in Local Currency
The system displays the charge amount in local currency on successful Issuance of
passbook. You cannot modify it.
Exchange Rate
The system displays the applicable exchange rate if the currency used is different from the
local currency during SAVE operation. Based on the exchange rate maintained for the cross
currency, charge will be calculated and deducted from the customer account. You cannot
modify the value.
History Tab
In History tab, you can view the details of the entire passbooks issued for the account.
6-2
The system displays the details of all the passbooks issued for the selected account. The
following details are displayed:

Passbook Number

Issue Date

Status

Status Description

Status Change Date
Passbook details are displayed in descending order based on the date of pass book issuance.
Account Entries
On saving the operation, the charge amount is liquidated. The below given table indicates the
accounting entries for the same.
Dr/Cr Indicator
Accounting Role
Amount Tag
DR
Customer account
CHG_AMT
CR
Charge GL mapped
CHG_AMT
6-3
6.3
Changing Passbook Status
You can invoke the ‘Passbook Status Change’ screen by typing ‘7031’ in the field at the top
right corner of the Application tool bar and clicking on the adjoining arrow button.
External Reference Number
System generates and displays the reference number.
Customer ID
The system displays the Customer ID based on the selected account.
Account Number
Select the account number for which the status has to be modified.
Passbook Number
The system displays the latest passbook number issued for the selected account.
Branch Code
The system displays the branch code based on the account selected.
Issue Date
The system displays the date of issue of the passbook.
Status
You can select the status from the adjoining option list. The system defaults the current status
of the passbook from account number
Reason
Enter the reason for applying a new passbook.
The History tab gets populated on clicking Populate button.
Refer the section ‘Maintaining Passbook Details’ in the chapter titled ‘Maintaining Passbook’
in this User Manual for details about the ‘Passbook Status Change Screen
6-4
Note
On closing the account, the passbook status is automatically changed as Account Closed
and no further status changes can be made on the same account.
Modifying the status of the passbook will not impact the Account status of the corresponding account.
Printing is allowed only for the open accounts and at least once authorised accounts with
passbook facility.
6.4
Passbook Reports
You can invoke the ‘Passbook details’ screen by typing ‘CARPASBK’ in the field at the top
right corner of the Application tool bar and clicking on the adjoining arrow button.
Branch Code

The system defaults the branch code as current branch code.
Account

Select the account from the adjoining option list .It displays all active account numbers
for which at least one passbook has been issued.

Based on the selected account following details get displayed:

Account Description

Passbook Number

Status

To create report the following report related parameters need to be selected:

Report Format

Report Output

PrinterAt

Printer
Click Ok to generate the passbook report based on the given parameters.
6-5
7. Maintaining Cheque Book Details
7.1
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, cancelled,
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
cancelled 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.
7.2
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 tool bar and clicking on the adjoining arrow button.
Click new button on the Application toolbar.
In this screen, you can maintain the following details for a Cheque book issued to a customer:

Branch Code

Customer account number
7-1

First Cheque number of the Cheque book

The total number of Cheque leaves in the book

The Kind of Cheque (whether Euro or Commercial)

The date on which the order was placed for the book

The date on which the Cheque book was issued

Any other order related detail
Note
You can query the other branch transactions only from the summary screen.
7.2.1
Defining Cheque Book Details
The following details need to be maintained for a Cheque book:
Branch Code
System displays the branch code.
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 selected transaction branch which are enabled for cheque book issuance.
You can choose the appropriate one.
Highlight the customer’s account number, and click ‘Ok’ button to select.
Cheque Leaves
Specify the total number of leaves in the Cheque book you are issuing the customer.
First Cheque Number
When issuing a Cheque book, you have to capture the number of the first leaf of the Cheque
book.
You need not specify the first cheque number if cheque book number is auto generated.
If you specify the First Cheque Number, the system displays an error message as ‘Input of
First check number is not allowed for automatic cheque numbering scheme”.
If the number of check leaves and the first check number is specified for manual cheque
numbering scheme, the system will issue the cheque book as per the requested series,
If the number of check leaves is specified and the ‘First Cheque Number’ is left blank, then
the system displays an override message as “First Check Number has not been input, do you
want system to auto-generate the First cheque Number?” You can select “YES” or “No”. If
“YES”, the system will generate the “First Check Number” based on the auto-generation logic
without cheque sum and will save the maintenance. If “No” is selected for the override, you
can manually input the First Cheque Number and save.
Cheque Book Type
If the cheque book is generated with inventory tracking, then specify the inventory by selecting
it from the adjoining option list.
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
7-2
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.
If order date is not provided then the system defaults the system current date on save.
Incrementing Alpha-numeric Cheque Numbers
f the cheque mask is defined as alpha-numeric, the numeric characters will be incremented
by adding the number of leaves requested to the last issued cheque number in case of autonumbering scheme and auto re-order of cheque books during EOD.
If the numeric characters reach its maximum, the immediately preceding alpha character will
be incremented to the next alphabet and the numeric serial will start from the minimum.
If an alpha character reaches the maximum, i.e. Z, the immediately preceding alpha character
will be incremented to the next alphabet.
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.
Request Status
Select the status of the cheque book request from the adjoining drop-down list. This list
displays the following values:

Requested

Generated

Delivered

Destroyed
Request Mode
The system displays the mode by which the cheque book request was made. This list displays
the following values:

Oracle Flexcube

Any other external system
Language Code
Select the language code from the adjoining option. It displays all the language code in the
system.
Delivery Mode
Select the mode of delivery of the cheque book from the adjoining drop-down list. This list
displays the following values:
7-3

Courier

Branch
Note
If the delivery mode is ‘Courier’, then you will need to specify the delivery address.
Delivery Address 1
Specify the address to which the cheque book should be delivered. From the adjoining option
list, You can choose the valid account address maintained in the system.
Delivery Address 2- 4
Specify the address to which the cheque book should be delivered.
Apply Charge
Check this box to indicate that Online service charge is applied on new (issue)/modify/auth of
the cheque book against customer account.
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 sent 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.
7-4
The UDF ‘Cheque Type’ will be displayed in this screen. Select the appropriate value from the
option list provided. The possible values are:
7.2.2

J: 20 page x 3.5’ Personal

K: 40 page x 3.5’ Business

P: 40 page x 3.5’ Business

L: 40 page x 3.5’ (2 Part)

R: 80 page x 3.5’ Business
Viewing the Status of a Cheque
For each cheque book issued to a customer the system maintains the status of each leaf in
the book.
The status of a cheque leaf can be one of the following:
Symbol
Status
Significance
N
Not Used
This cheque has not been used
U
Used
This cheque has been used
R
Rejected
This cheque has been returned without clearance
S
Stopped
A stop payment has been issued for this cheque
C
Cancelled
This cheque has been cancelled
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.
7-5
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.
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 stop
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.
7.2.3
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.
7-6
7.2.4
Viewing Charge Details
You can view all the charge related details in the ‘Charge Details’ screen. Click on ‘ Charges’
button to invoke ‘Charge Details’ screen.
Contract Reference
System displays the contract reference number here.
Charge Liquidation
System displays the following details under this section:

ESN – Event sequence number

Component – Charge component name

Account Description – Description of the charge account

Charge Currency – Charge currency

Charge Amount – Computed charge amount

Waiver – If this box is checked, then charge will be waived.
Waiver
Check this box to waive the charge.
Charge Amount
System displays the calculated charge amount here. You can amend this, if required.
7-7
7.2.5
Viewing Events
You can view all the events in the ‘Events’ screen. Click on ‘Events’ button to invoke ‘Events’
screen.’
Reference Number
System displays the reference number.
Events
System displays the following details under this section:

Event Number - Event sequence number

Event Date- Date of the event

Event Code - event code of the transaction

Description - event code description
7-8
7.2.5.1
Viewing Accounting Entries
You can view accounting entries in the ‘Events’ screen. Click on ‘Accounting Entries’ button
to invoke ‘Accounting Entries’ screen.
Reference Number
System displays the transaction reference number here.
Event
System displays the event code of the transaction here.
Accounting Entries
System displays the following details under this section:

Branch - Account branch code

Account - Account number

Dr/Cr - ‘C’ Indicates ‘Credit’ and ‘D’ indicates ‘Debit’

Amount Tag - Amount Tag of the transaction

Currency - Account currency

Foreign Currency Amount - Amount in foreign currency

Local Currency Amount - Amount in local currency

Date - Date of the transaction

Value Date - Value date of the transaction

Code - Transaction code
7-9
7.2.6
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.
Branch Code
Specify code of the branch where the account for which you need to maintain the cheque
details exists, from the adjoining option list.
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 the concerned ‘Cheque number’ record by using the arrow buttons on the
toolbar or the <down arrow> 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.
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:

Amount for which the Cheque is drawn

Status of the Cheque

Date on which the Cheque was presented for encashment
To modify a status detail, click unlock icon in the Application toolbar. Make the desired
changes. Remember, the following points while modifying:

A ‘used’ status cannot be changed
7-10

For cheques that are stopped from payment, the ‘Stopped’ box is checked and 'Status'
of the cheque is set to 'Unused'.

‘Not used’ status can be changed to rejected/cancelled.

A ‘Canceled’ status cannot be changed

‘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 ‘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.
7.2.7
Retrieving Cheque Details
You can view, modify, or authorize details related to cheques using ‘Cheque Details
Summary’ screen. You can invoke the ‘Cheque Details Summary’ screen by typing
‘CASCHKDT’ in the field at the top right corner of the Application tool bar and clicking on the
adjoining arrow button.
7-11
You can query based on any or all of the following criteria:

Authorization Status

Record Status

Branch Code

Account Number

Cheque Number
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

Branch

Account Number

Cheque Number

Amount

Presented On

Mod Number
You can acquire access rights to operate in multiple branches by checking the ‘Multi Branch
Operational’ check box at ‘User Maintenance’ level. When the record is selected, the system
validates your access rights of the branch and function.
If you do not have appropriate rights on the branch, then the system displays an error
message. If the branch is a valid branch, then the system updates the same as transaction
branch and then queries it in the maintenance screen.
7.3
Archiving Cheque Book
You can archive the used and cancelled cheques for all accounts of the selected branch by
using the Archive Cheque Book screen. To invoke this screen type ‘CADCHARC’ in the field
at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
7-12
You can capture the following in this screen:
Archival Reference Number
The system displays the archival reference number.
All Accounts
Select ‘All Accounts’ to archive the cheque books of all accounts of selected branch.
Specific Accounts
Select ‘Specific Accounts’ to archive cheque books of specific account/accounts. You can
specify the specific account numbers under Account Number.
You will have to select the accounts either as ‘All’ or ‘Specific’. If ‘All’ is selected then cheque
issued against all the accounts for the selected branch will be considered. If ‘Specific’ is
selected, you have to specify the account for the selected branch.
On authorization all the cheques satisfying the query are considered for archival and the
actual archival process will get triggered.
Branch
The system defaults the branch code here. However you can modify it by selecting the branch
code from the adjoining option list.
Issued Before Date
Specify the date until which all the issued cheques should be considered for archival.
All the cheques issued to the account before the ‘Issued Before Date’ will be considered for
archival process.
Presented Before Date
Specify the date until which the used cheques, presented for payment, should be considered
for archiving.
All the used cheques presented for payment for the account before the ‘Presented Before
Date’ will be considered for archival process.
Start Cheque Number
Specify the starting cheque number of the cheque series.
End Cheque Number
Specify the ending cheque number of the cheque series,
The system archives those cheques which are in Used (U) status and Cancelled (C) status.
If inventory is enabled, then reissue of the same cheque number will not be possible for
cheque archival.
The cheques that do not conform to the archival branch's cheque mask will not be considered
for archival.
If the cheques are not archived, the system displays the information message as ‘No Cheques
are archived for selected criteria’ a authorization level.
A new cheque book is created in the cheque book maintenance for the cheque numbers
which are not archived.The number of leaves in the cheque book will be one if these cheques
(for an account) are not in sequence, otherwise the number of leaves will be equal to the
number of such cheques which are in a sequence. The cheque details for individual cheques
will also be updated with the new cheque book numbers.
7-13
7.4
Viewing Archived Cheque Books
You can view the archived cheque book details maintained in the 'Archive Cheque Book'
screen using the 'Archive Cheque Book Summary' screen. You can invoke this screen by
typing 'CASCHARC' in the field at the top right corner of the Application tool bar and clicking
on the adjoining arrow button.
In the above screen, you can base your queries on any or all of the following parameters and
fetch records:

Authorization Status

Branch Code

Record Status

Archival Reference Status
Select any or all of the above parameters for a query and click 'Search' button. The records
meeting the selected criteria are displayed.

Authorization Status

Record Status

Branch

Archival Reference Number

Issued Before Date

Presented Before Date

Start Cheque Number

End Cheque number
7-14
7.5
Querying Archived Cheque Details
You can query all the archived cheque details for a customer account in the ‘Archive Cheque
Details Query’ screen. To invoke this screen type ‘CADCHARQ’ n the field at the top right
corner of the Application tool bar and clicking on the adjoining arrow button.
You can base your queries on any of the following parameters:

Branch Code

Archival From Date

Account Number

Archival To Date
Select any or all of the above parameters for a query and click 'Execute Query' button. The
records meeting the selected criteria are displayed.

Archival Date

Branch

Account Number

Cheque Book Serial Number

Archived Quantity
Select a record and click on ‘Details’ button to view the following details of the archived
cheque:

Cheque Number

Status

Presented On

Amount
7-15

Remarks
7-16
8. Maintaining Account Structure
8.1
Introduction
Oracle FLEXCUBE repays loan from multiple accounts. In Oracle FLEXCUBE, the loan
account is the primary account and all the other accounts linked to it are cover accounts.
While paying the settlement if the primary account has insufficient amount, the system will
check the cover accounts for the remaining amount according to the preference.
In case of single account structure, the primary account will have only one cover account and
the cover account will have only one primary account for making the account structure free of
duplicate accounts. Every account has its own account structure. While closing an account
under an account structure, you need to remove that account from the account structure
manually else the system will not allow the closure of the account. If you want to amend an
account structure, the system will check whether any amount block is open on the account
structure. If any amount block is opened, then the system will throw an error. You can also
configure the error code.
8.2
Defining Account Structure
Oracle FLEXCUBE allows you to have a primary account and secondary account and then
link these two accounts.
If you amend an account structure, then the system will check if the status of any amount
block created due to the account structure is open. If one or more amount block is open, then
the system will display an error message. If a customer account is element of some account
structure, then before closing that account, you should remove that account from the account
structure manually; else the system will not allow you to close the account.
8.3
Debiting Transaction into the Primary Account
During settlement, if there is no sufficient balance in the primary account to cover up the debit/
cheque amount, then the system will check for the balance in the cover account from the
account structure and processes as follows:

The system will do the partial transaction using the available amount in the primary account

If the settlement is not done fully in the previous level, then the system will check for the
balance in the cover account to complete the transaction. If there is sufficient balance,
then the system will place an amount block on the cover account for the settled amount.

If the primary account and cover account, for which the amount block is created, are of
different currency, the system will create an amount block in the cover account currency.
The system will then debit the settlement amount from the primary account.
The system uses the ‘Mid Rate’ for currency conversion.
In case there is a stop payment on the cheque, the validation of stop payment will precede
and the settlement will not go through.
8.3.1
Processing Amount Block
The system will use the primary account and cover account amount block to identify the
amount block which is created due to debit transaction processing in primary account. This
8-1
process is configured either at post EOTI level or at BOD level. The system will process as
follows:
8.4

Remove the amount block from cover account

Debit the cover account for the amount of ‘Amount Block’

Credit the parent account for the amount of ‘Amount Block’
Maintaining Account Structure
You can specify the account structure in the ‘Sweep Structure Maintenance’ screen. You can
invoke the screen by clicking ‘Sweep In Setup‘ in the ‘Customer Accounts Maintenance’
Screen.
For Further details on maintaining the details for Cover Account, refer ‘Maintaining Sweep
Structure’ in Maintaining Customer Accounts’ chapter of this module.
8.5
Viewing Account Structure Maintenance Summary
You can view the summary details of the account structure in the ‘Account Structure
Maintenance Summary’ screen.
8-2
To invoke this screen, type ‘CASSTRUC’ 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 or all of the following criteria:

Authorization Status

Structure Group

Record Status

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

Structure Group

Record Status

Description
8-3
9. Maintaining Amount Blocks
9.1
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.
For 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 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.
9.1.1
Defining Amount Block Reasons
Whenever you impose an amount block (hold) on customer accounts, a valid reason can be
assigned for having effected the hold. You can define these reasons using the ‘Hold
Maintenance’ screen.
You can invoke this screen by typing ‘CODHOLDT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
9-1
You can capture the following details here:
Hold Code
Specify a code for the amount block reason you are maintaining in the system.
Note
The Hold Code can be a maximum of 15 characters (alphanumeric type) in length.
Hold Description
Provide a brief description of the hold code.
Hold Type
In case you are defining amount hold reasons for automated system hold, select the hold type
from the adjoining drop-down list. The available options are:

Salary Hold

Overdue Hold

Guarantor Recovery Hold

External Deal Hold

None

Discounted TD
Note
Except ‘None’, for all other Hold Types mentioned above, only one Hold Code each can
be maintained in the system.
9.1.2
Viewing Hold Code Summary
You can view a summary of Hold Codes maintained in the system using the ‘Hold Summary’
screen. You can invoke this screen by typing ‘COSHOLDT’ in the field at the top right corner
of the Application tool bar and clicking the adjoining arrow button.
You can query on records based on any or all of the following criteria:

Authorization Status

Hold Code
9-2

Record Status

Hold Type
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:
9.1.3

Authorization Status

Record Status

Hold Code

Hold Description

Hold Type
Maintaining Individual Amount Blocks
You can maintain amount blocks on individual accounts of a customer using the ‘Amount
Block Input’ screen. You can invoke this screen by typing ‘CADAMBLK’ in the field at the top
right corner of the Application tool bar and clicking on the adjoining arrow button.
You can capture the following details here:
Account Number
Specify a valid account number of the customer for which you wish to maintain an amount
block. The adjoining option list displays all valid customer accounts maintained in the selected
transaction branch. You can select the appropriate one.
Sequence Number
The system automatically displays the amount block sequence number.
Amount
Specify the amount which has to be blocked.
9-3
Note
–
If the block amount is greater than the available balance, then the system displays
an override message as “Block amount greater than available balance”.
–
Interest calculations is not considered for negatively blocked amount.
–
The Linked Line will not be utilized if the available balance becomes less than zero
because of a amount block.
Effective Date
Specify the date from which the amount block is effective.
Note
For CASA amount block type, the effective date is the branch current date.
Expiry Date
Specify the date on which the amount block is released, so that it is available for withdrawal
to the customer. You cannot modify the amount block after the expiry date
Note
For CASA amount block type, there is no expiry date.
Amount Block Type
Select the amount block type from the adjoining drop-down list. The available options are:

FLEXCUBE

Switch

PreAuth

Escrow

System

CASA - indicates an amount block that is created due to debit transaction processing in
Primary Accounts.

Bulk Salary

P2P
Note
The option ‘System’ indicates a system generated amount block, equivalent to the external
deal amount maintained in the system. You cannot modify a ‘System’ type of amount
block.
During debit transaction processing, Oracle FLEXCUBE will use ‘Mid Rate’, if the primary
account currency and cover account currency are different.
Note
–
When an amount block is created and the account status is ‘No Debit’, ‘No Credit’,
‘Dormant’ or ‘Frozen’ then the system displays an override message with the account status.
9-4
–
When an amount block is created and the customer status is ‘Frozen’, ‘Deceased’
or ‘Whereabouts Unknown’ then the system displays an override message with the
customer status.
–
If the account status is moved to 'Dormant' or 'No Debit' or 'No Debit' or 'Frozen',
then the system displays an override message as 'The Account has active amount
block'.
–
If the account status is moved to 'Dormant' or 'No Debit' or 'No Debit' or 'Frozen',
then the system displays an override message as 'The Account has active amount
block'.
Note
If the amount block type is P2P, then the following transaction data is logged into ‘P2P
Payment Beneficiary Registration Queue’ to track the beneficiary registration till the end
date:
–
Amount Block Number
–
Branch Code
–
Account Number
–
END Date
–
Beneficiary’s Email ID
–
Beneficiary’s Telephone
–
Beneficiary’s Facebook ID
–
Status
While processing an amount block, the amount block on the sender’s account is released and
the amount is debited from the senders account and credited to the clearing suspense GL.
Remarks
Specify remarks about the amount block, if any.
Note
For structured deposit, the subscription amount will be blocked from the given CASA account automatically and this system generated block is updated with SD contract reference number in remarks field.
Reference No
For user input amount block maintenances, you need to specify a unique reference number.
In case of amount blocks automatically placed by the system during processing of external
deals and escrow, the system generates the reference number.
Note
–
For system generated amount blocks corresponding to external deals, Oracle FLEXCUBE Reference number automatically generated in External Deal linkage
screen gets defaulted here.
–
The system generated Escrow amount blocks, are identified with an unique original
transaction Reference No.
–
You are not allowed to modify or close Escrow Amount Blocks.
–
System displays the consolidated blocked amount of the particular account in
‘Amounts and Dates’ details of the customer account.
9-5
System will not allow to closing the respective customer account unless existing active
amount blocks are closed.
Hold Code
Specify a valid hold code. The adjoining option list displays all valid hold codes maintained in
the system. You can select the appropriate one.
Hold Description
The system displays the hold code description.
Note
For system generated amount blocks corresponding to external deals, the description
maintained at Hold Code Maintenance screen for Hold Code Type ‘External Deal’ gets displayed here.
For more details related to external deal maintenance, refer Core Services User Manual.
9.1.4
Viewing Amount Block
You can view a summary of Amount Blocks maintained at the ‘Amount Block Input’ level using
‘Amount Block Summary’ screen.
You can invoke the ‘Amount Block Summary’ screen by typing ‘CASAMBLK’ in the field at the
top right corner of the Application tool bar and clicking the adjoining arrow button.
You can view records based on any or all of the following criteria:

Authorization Status

Record Status
9-6

Account Number

Sequence Number

Amount

Effective Date

Expiry Date

Reference No
Note
The system generated original transaction Reference No of Escrow amount blocks will
also be displayed.
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

Account Number

Sequence Number

Amount

Effective Date

Expiry Date

Reference No
9-7
9.1.5
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.
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:

All the accounts maintained for the customer

The available balance in each account

Active amount blocks, if any

Whether the account is marked for no-debit (‘Full Amount Block’ option is Cheques)

The user defined fields (UDFs) associated with the Customer (i.e. the UDFs mapped to
the function id ‘STDCIF’)

You can 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:

Amount for which the block has been enforced
9-8
9.1.6

Period for which this block should remain effective

Any remark applicable to this amount block. It could be the purpose for which the block
has been enforced.
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 current 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.
No Debit
When defining amount blocks, you can choose to completely 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.
9-9
10. Maintaining Stop Payment Details
10.1 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:

A single Cheque number

A range of Cheque numbers

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 has 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.
10.2 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. Click the
new button on the Application toolbar.
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’.
10-1
Here you define the following:
10.2.1

Account number on which you are enforcing a stop payment

Whether stop payment is being defined against Cheque/Cheques or an amount

If stop payment is based on Cheque then the start and end Cheque numbers

If stop payment is based on amount then the Cheque amount

Amount for which the stop payment has been enforced

Period for which this stop payment should remain effective

Any reason applicable to this stop payment. It could be the purpose for which it has been
enforced
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 in the selected
transaction branch. Highlight the customer’s account number for whom you are entering
details.
Account Description
The system displays the description of the specified account number based on the details
maintained at ‘Customer Account Maintenance’ level.
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 ‘end Cheque number’ fields.
Note
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.
This is not mandatory if the stop payment type is an ‘amount’.
10-2
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 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 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.
Apply Charge
Check this box to indicate that online service charge will be applied on stopping payment
request.
Advice Required
Check this box to indicate a mail advice is required to acknowledge the account on the stop
payment request.
Once you check this box the system will generate the stop payment request message during
Authorization.
A Message type STOP_PMNT_ACK will be used. This will be a MAIL Message and it will be
sent to the account customer.
The following tags will be used for STOP_PMNT_ACK message:
Advice tag
Description
_CUSTNAME_
Customer name
_ADD1_
Customer address line 1
_ADD2_
Customer address line 2
_ADD3_
Customer address line 3
_ADD4_
Customer address line 4
10-3
Advice tag
Description
_ACCOUNT_
Account
_ACCOUNTBRN_
Account Branch
_STOPPAYNO_
Stop Payment no
_XREF_
External reference
_STOPTYPE_
Stop Payment type
_STARTCHECKNO_
Start check No
_ENDCHECKNO_
End Check No
_AMOUNT_
Amount
_EFFECTDT_
Effective date
_EXPIRYDT_
Expiry date
_REMARKS_
Remarks
_AUTHDT_
Authorization Date Time
For further details on Charge and Event button, refer the sections ‘Viewing Charge Details
‘and ‘Viewing Event Details’ in the chapter titled ‘Maintaining Cheque Book Details’ in this
User Manual.
10-4
11. Generating Account Statements
11.1 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.
11.2 Maintaining Statement Preferences
You need to maintain a basic set-up at the following levels to generate account statements:
11.2.1

Advice Formats

Account Class

Message Type

Customer Address

Batch EOD Inputs
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.
11-1
11.2.1.1 ACST_DETAILED
You need to maintain details as shown in the screen below.
Format Text
Specify the following format.
BANK-NAME
COPY AS OF ASOFDT
-----------------------------------------------------------------------------------------------------------------------------CUSTNAME
Account Branch
:BRNAME
ADDRESSONE
Branch Address
:BRADDR1
11-2
ADDRESSTWO
BRADDR2
ADDRESSTHREE
BRADDR3
ADDRESSFOUR
Cust ID
:CUSTNO
Account No
:ACCOUNTNO
Account Desc.
:ACCOUNTDESC
Account Class
:ACLASSNAME
Account Currency
:ACYNAME
-----------------------------------------------------------------------------------------------------------------------------Statement From: FROMDATE
To:TODATE
OPENBALANCE
Account Open Date : OPENDATE
OPENING BALANCEDRCR
OPENBALANCE
AVAILABLE BALANCEAVLBALANCE2
11-3
STATEMENT OF ACCOUNT:ACCOUNTNO
Statement From: FROMDATE
To:TODATE
PAGE :1
Trn Code/NarrativeREFERENCEBook DateValue DateWithdrawalDepositClosing Balance
F TAGVAL E TD
F TAGVAL E RC
F TAGVAL E BT
F TAGVAL E VD
FTAGVAL E
FTAGVAL E
F TAGVAL E TD
ACC NOREFERENCEDATELOAN CHARGES DESCAMOUNT
CL F TAGVAL E CL
CL F TAGVAL E CL
CL F TAGVAL E CL
CL F TAGVAL E CL
CL F TAGVAL E CL
11-4
=====================================================================
Totals
DEBITVALUE
-----------------------
CREDITVALUE
…………………………………
No. of DEBITS:
ND
AND
CREDITS
NC
=====================================================================
CLOSING BALANCE
DRC
BALANCE
AVLBALANCE2
CLOSEBALANCE
AVAILABLE
UNCOLBALANCE
UNCOLLECTED BALANCE
BLOCKEDBALANCE
UNCOLBALANCE
BLOCKED BALANCE
UNCOLBALANCE
* = UNAUTH ENTRY / R = REVERSAL
*** End Of Statement ***
If the trust account credit transaction is from FT module then system will show the following
details as part of ‘TRNCODEDESC’:

Debit Account Number

Unit ID

Transfer Request Number
If the trust account credit transaction is from any other module, the system will show the
following details as part of ‘TRNCODEDESC’:

Deposit Slip Number

Unit ID
11-5
11.2.1.2 SWIFT
You need to maintain details as shown in the screen below.
Format Text
Specify the following format.
#B
#LOOP
_LINE_
#ENDLOOP
#EB
11.2.2
Maintaining Account Class Details
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
11-6
the field at the top right corner of the Application tool bar and clicking the adjoining arrow
button.
You need to maintain the following details.
Account Type
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 account class and Nostro type of account
class.
11-7
11.2.3
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 tool bar and clicking the adjoining arrow button.
You need to maintain eight records with details given below.
Sr.
No
Module
Message Type
SWIFT Message
Type
Consolidation
Message Type
1
AC
ACST_BALANCE
MT941
ACST_DETAILED
2
AC
ACST_DETAILED
ACST_DETAILED
3
AC
ACST_DETAILED2
ACST_DETAILED
4
AC
ACST_DETAILED3
ACST_DETAILED
5
AC
ACST_DETAIL_VD
ACST_DETAILED
6
AC
ACST_INT_DTL
MT942
ACST_DETAILED
7
AC
MT940
MT940
ACST_DETAILED
8
AC
MT950
MT950
ACST_DETAILED
For further details, refer the chapter titled ‘Maintaining Messaging Branch Preferences’ in the
Messaging System User Manual.
11-8
11.2.4
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.
Here you need to maintain three records with the following details.
Sr. No
Branch
Module
Message Type
Format
1
ALL
AC
ACST_DETAILED
ACST_DETAILED
2
ALL
AC
ACST_DETAILED2
ACST_DETAILED
3
ALL
AC
ACST_DETAILED3
ACST_DETAILED
For further details, refer the chapter titled ‘Maintaining Addresses for Customer’ in the
Messaging System User Manual.
11-9
11.2.5
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 ‘BADEODFE’ in the field at the top right corner of the Application tool bar and clicking
the adjoining arrow button.
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, refer the chapter titled ‘Automated End of Cycle Operations’ in the
Automated End of Day User Manual.
Given below is a sample account statement:
Sample account statement
11-10
11.2.6
Maintaining Ad Hoc Statement Requests
You can maintain ad hoc requests for consolidated statements raised by customers using the
‘Adhoc Consolidated Statement Request Statement’ screen. You can invoke this screen by
11-11
typing ‘STDCRSMT’ in the field at the top right corner of the Application tool bar and clicking
on the adjoining arrow button.
You can capture the following details here:
Reference Number
Specify a 16-digit unique code to identify the record with. You can leave the field blank to have
the system generate it automatically upon saving the record.
Branch Code
The system displays the branch code.
Customer No
Specify a valid customer number who has raised an ad hoc request for statement. The
adjoining option list displays all valid customer numbers maintained in the system. You can
select the appropriate one.
Request Type
Select the request type from the adjoining drop-down list. The available options are:

Consolidated

CASA

Corporate Loans
From Date
Specify the start date of the statement.
To Date
Specify the end date of the statement.
Request Date
Specify the date on which the request is raised by the customer.
11-12
Note
Note that ‘To Date’ must be less than or equal to ‘Request Date’.
Process Status
The system displays the status denoted by a single letter as below:

U: When the customer requests for the statement, this status is displayed

P: For statements processed successfully, this status is displayed

E: For statements that encounter error during processing, this status is displayed
Note
Using the Generic Interface, you can maintain the statement format and generate the
statements.
Process Status Details
The system gives the description of the single letter Process Status displayed above.
E-Statement
Check this box to indicate that E-Statement is required.
Charge Account Branch
Specify the account branch from which charge is deducted for the E-Statement.
Charge Account
Specify the charge account. The adjoining option list displays all the valid account numbers
maintained in the system. You can choose the appropriate one.
Charge Account Description
The system displays the description of the specified charge account number based on the
details maintained at ‘Customer Account Maintenance’ level
11.2.6.1 Viewing Adhoc Consolidated Statement Request Summary
You can view a summary of adhoc consolidated statement requests using the ‘Adhoc
Consolidated Statement Request Summary’ screen. You can invoke this screen by typing
11-13
‘STSCRSMT’ in the field at the top right corner of the Application tool bar and clicking the
adjoining arrow button.
You can query on records based on any or all of the following criteria:

Authorization Status

Record Status

Reference Number

Customer Number

Branch Code

Process Status
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:
11.2.7

Authorization Status

Record Status

Reference Number

Customer Number

Branch Code

Request Type

From Date

To Date

Request Date

Process Date

Process Status
Maintaining Automatic Consolidated Statement Requests
You can maintain statement requests of customers who would require consolidated
statements on an automatic basis using the ‘Automatic Consolidated Request Statement
11-14
Maintenance’ screen. You can invoke this screen by typing ‘STDACRST’ in the field at the top
right corner of the Application tool bar and clicking on the adjoining arrow button.
You can capture the following details here:
Reference Number
Specify a 16-digit unique code to identify the record with. You can leave the field blank to have
the system generate it automatically upon saving the record.
Branch Code
The system displays the branch code.
Customer No
Specify a valid customer number for whom you wish to maintain a request for automatic
consolidated statements. The adjoining option list displays all valid customer numbers
maintained in the system. You can select the appropriate one.
Customer Name
The system displays the name of the specified customer ID based on the details maintained
at ‘Customer Maintenance’ level.
Charge Account Description
The system displays the description of the specified charge account number based on the
details maintained at ‘Customer Account Maintenance’ level.
Effective Date
Specify the date on which the statement is requested.
Frequency
Select the frequency of the statement requested from the adjoining drop-down list. The
available options are:

Monthly

Quarterly
11-15

Semi Annual

Annually
Start Month
Select the starting month of the requested statement from the adjoining drop-down list. The
available options are:

January

February

March

April

May

June

July

August

September

October

November

December
Start On
Specify which day of the month the statement should begin from.
Last Executed Date
The system displays the date on which the statement request was last executed, if any.
E-Statement
Check this box to indicate that E-Statement is required.
Charge Account Branch
Specify the account branch from which charge is deducted for the E-Statement.
Charge Account
Specify the charge account. The adjoining option list displays all the valid account numbers
maintained in the system. You can choose the appropriate one.
11.2.7.1 Viewing Automatic Consolidated Statement Request Summary
You can view a summary of automatic consolidated statement requests using the ‘Automatic
Consolidated Request Statement Summary’ screen. You can invoke this screen by typing
11-16
‘STSACRST’ in the field at the top right corner of the Application tool bar and clicking the
adjoining arrow button.
You can query on records based on any or all of the following criteria:

Authorization Status

Record Status

Reference Number

Branch Code

Customer No
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

Branch Code

Customer No

Effective Date

Frequency

Start Month

Start On

Last Executed Date
11-17
11.3 Maintaining Combined Statements
You can generate a combined statement for all accounts through the ‘Combined Statement
Maintenance’ screen. To invoke this screen type ‘STDCDSTM’ in the field at the top right
corner of the Application tool bar and click. the adjoining arrow button.
Specify the following details:
Statement ID
Specify the statement plan identification.
Customer No
Select the customer number from the adjoining option list.
All Accounts/Loans
Check this box to generate statement for all accounts and loans of the customer.
Populate
Click ‘Populate’ button to default all the accounts, deposits and loans belonging to the
customer.
If ‘All Accounts/Loans’ is unchecked then the ‘Populate’ button will be disabled. You will have
to manually specify the details in this case.
CASA Details
The system displays the following CASA details of the customer:
11-18

Account No - The system displays all the open and closed CASA accounts based on
the customer selected.

Account Description

Branch Code
Deposit Details
The system displays the following deposit details of the customer:

Account No - The system displays all the open and closed deposit accounts based on
the customer selected.

Account Description

Branch Code
Loan details
The system displays the following loan details of the customer:

Account No - The system displays all the open and closed loan accounts based on the
customer selected.

Branch Code
Statement
Format
Select the statement format from the adjoining option list.
Frequency Cycle
Frequency
Select the frequency at which the combined statement should be generated from the
adjoining drop-down list. The options available are:

Annual

Semi Annual

Quarterly

Monthly

Fortnightly

Weekly

Daily
Statement Day
Select the day on which combined statement should be generated from the adjoining dropdown list. If value for Statement Day is not selected, then the system defaults the values
based on the frequency cycle selected. The statement gets generated on the month end of
the defaulted values.
The statement displays the balance for CASA and TD accounts based on book dated or value
dated balance. This will be parameterized at the bank level.
For the parameter COMBINED_STATEMENT, the system defaults the value as
BOOK_DATED.
11-19
Charge Account
Apply Charge
Check this box to apply charge during the EOD batch process.
Charge Account
Select the charge account from the adjoining option list. Charge Account is mandatory if
‘Apply Charge’ is checked.
Charge Branch
The system displays the branch of the selected charge account.
Charge Currency
The system displays the currency of the selected charge account
Previous Statement
Previous Statement Date
The system displays the last combined statement generation date.
No Previous Statement
The system displays the number of combined statement generated till date.
Note
11.3.1
–
You can modify the combined statement plan during any stage of the maintenance.
–
You have to maintain atleast one account or loan to generate the combined statement.
–
If ‘Apply Charge’ is checked and the ‘Charge Account’ is not maintained, then the
system displays an error message as “Apply charge is checked, Please map
Charge Account for the statement plan <Plan ID>”.
–
If the charge basis NUM-COMB-STMTS is not mapped to the IC product of the
charge account, then the system displays an override message as “Charge Basis
not mapped for the charge account”.
–
If different charge accounts are mapped to different plan IDs of the same customer
then the system displays an override message as ‘Different charge account is
mapped for the plan id/ids , <plan id name>’.
–
If any closed accounts are maintained in the statement plan the system displays an
override message. You can manually delete the records of the closed accounts.
–
Charge accounts can be changed during any stage. The charges applicable for the
existing charge account will be liquidated during its IC liquidation cycle.
–
You cannot close an account if it is mapped as charge account for the statement
plan.
–
If ‘All accounts/Loans’ is selected then you cannot delete or add any records in the
CASA, TD or Loan Details block.
–
If 'All accounts/Loans' is selected for one plan ID, then the system will display an
override message on selecting the same for another plan id
Periodic Charges for Combined Statement
Periodic charges are applied to the charge account maintained in the combined statement
plan. The charges are computed based on the slab details maintained and the number of
combined statement generated. The account class mapped to charge basis ‘NUM-COMB-
11-20
STMTS' returns the number of combined statements generated. The counter for the charge
basis are COMB_STMNT_FMT is reset after the charges are collected during IC liquidation.
11.4 Viewing Combined Statement Details
You can view the combined statement details maintained in the ‘Combined Statement
Maintenance’ screen using the ‘Combined Statement Maintenance Summary’ screen. You
can invoke this screen by typing ‘STSCDSTM’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
In the above screen, you can base your queries on any or all of the following parameters and
fetch records:

Authorization Status

Customer No

Record Status

Statement ID
Select any or all of the above parameters for a query and click ‘Search’ button. The system
displays the following records meeting the selected criteria:

Authorization Status

Record Status

Statement ID

Customer No

All Accounts/Loans

Format

Frequency

Statement Day

Apply Charge

Charge Account

Charge Branch

Charge Currency
11-21

Previous Statement Date

No of Previous Statements
11-22
12. Processing Post Dated Cheques
12.1 Introduction
Oracle FLEXCUBE supports processing of post dated Cheques (PDCs) both at Branch and
Host levels.
PDCs have four events in their life cycle:

Booking (Entry) of PDCs, where details of the PDC are entered in Oracle FLEXCUBE

Initiation of PDCs, where the PDC is authorized and becomes active. Contingent entries, if required, are passed for the PDC during initiation

Liquidation of PDCs, where the PDC becomes a normal Cheque to be sent through
clearing.

If the discounted cheque is returned from the clearing, then the system will process the
debit from the past due account maintained at ‘Customer Cheque Discounting Maintenance’ screen.

On re-presentation of PDC, the system will process the debit from the past due account
maintained at ‘Customer Cheque Discounting Maintenance’ screen.

During return of PDC, if the limits are maintained at any of the levels, utilization will be
updated.

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.
12.2 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.
12-1
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 appropriate 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:

Products

Interest

Charges and Fees

Tax

User Defined Fields

Settlements
In the Product Definition screen, you can also enter the following:
Product Code
Specify the code for the product. This is a code for the specific PDC product that you are
creating.
Product Description
Specify a brief description for the product code.
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.
12-2
Description
Specify a brief description for the product type.
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
categorized 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
Enter any additional remarks about the product.
Exchange Rate Variance (in %)
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.
12.2.1
Specifying Accounting Entries and Advices for Events
Click ‘Accounting Roles’ button to invoke the ‘Product Event Accounting Entries & Advices
Maintenance’ screen.
For PDCs, accounting entries can be maintained for the following events:

INIT: Contingent entries, if required, are to be maintained for INIT. Charges can also be
linked to this event

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

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.
12-3
Click ‘Accounting Roles’ button to invoke the ‘Accounting Roles’ screen.
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
Cr
Customer A/c
PDC_CUST_CHARGE
Dr
12-4
12.2.2
Specifying Product Preferences
Click ‘Preferences’ button to invoke the ‘Post Dated Cheques Product Preference’ screen.
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 processes the following types of PDCs :

Own account: PDCs issued against the customer’s account

External PDC: PDCs from other banks deposited in the customer’s account

Bank-issued PDC: PDCs issued against the bank’s Nostro accounts
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
12-5
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 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

Forward

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:

Advance- The charge defined can be collected in advance.

Arrears- The charge defined can be collected in arrears. The overdue charge component is always collected in arrears irrespective of preferences defined.
12-6
Frequency & 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:
12.2.3

Auto- Select this option for the automatic “movement of funds to collected” as a batch
on the Customer Float day.

Manual- Select this option for the manual “movement of funds to collected”.
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.
12-7
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:

If the PDC type is ‘Own A/c PDC’, the remitter account should be a valid customer account

If the PDC type is ‘PDC issued by the bank’, the remitter account can either be a GL or
Nostro account

If the PDC type is ‘External PDC’, the remitter account should be a valid GL
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. If you specify a Trust account, you will have to specify project
details by clicking ‘Project Details’ button.
Amount and Currency
From the option list, select the currency in which the PDC is denominated. Also specify the
amount of the PDC.
Value Date
Specify the date on which the PDC was deposited.
Cheque Date
Specify the date on which the cheque is issued.
Account Number
Specify the unique loan account number linked to the PDC. The adjoining option list displays
all valid account numbers maintained in the CL, MO and LE modules in the system. You can
choose the appropriate one.
For this loan account, if the customer pays an advance instalment or makes an early
settlement, the system will delete the outstanding cheques. A report of such cancelled
cheques is generated on a daily basis.
Beneficiary Name
The system displays the name of the specified beneficiary based on the details maintained at
‘Customer Maintenance’ level.
Drawer ID
Specify the drawer Id. This adjoining option list displays all valid drawer Ids maintained in the
system. You can choose the appropriate one.
Remarks
Specify the reason for cancellation of post dated cheque.
Event Sequence Number
Specify the event sequence number for processing a post dated cheque.
12-8
Source Code
User Reference
Specify the user reference number. This is a mandatory field.
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 & bank.
12.2.3.1 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.
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 & Routing Number, refer to the Clearing User
Manual.
The clearing details are needed only for External type PDCs.
12.2.3.2 Discount/Purchase details
Operation
Select the operation from the adjoining 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.
12-9
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)

Collection after Purchase - When a Purchased cheque launched for collection (Activation of PDC)

Returned – When the cheque is dishonored/rejected, the status of the PDC would be
updated to ‘Returned ‘

Passed - When the status of the funds is marked as collected, the status of the PDC will
be updated as ‘Passed’.

Pullback – When the pullback operation is performed the cheque status will be Pullback.
12.2.3.3 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.
12.2.3.4 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:

U : Unprocessed

A : Active (Initiated)

V : Reversed

L: Liquidated

C : Cancelled
12-10
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 Account Description
The system displays the description of the specified charge account number based on the
details maintained at ‘Customer Account Maintenance’ level.
Purpose
You have the option of specifying the purpose for which the PDC is issued. This is for
information only.
Currency
Specify the currency in which the charge should be calculated.
Activation Date
Enter the date on which the PDC becomes a normal Cheque, that is, the maturity date of the
PDC or the loan linked to 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 & 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

Add: Entering details of a new PDC

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.

Delete: Deleting a PDC prior to its first authorization

Reverse: Reversing a PDC that has been liquidated. Contingent entries passed for the
PDC are reversed.

Cancellation: Cancelling a PDC that is active but has not been liquidated. The accounting entries specified for the cancellation event are passed.
12.2.3.5 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 you are allowed to change it. For Discounted and Purchase
operations limits tracking should be checked.
Note
Limit utilization will get updated at liability level, Drawer level and for drawer + customer
level.
Limit tracking for customer will be tracked against limit line captured in ‘Customer Cheque
Discounting’ screen.
Limit tracking for drawer would be tracked against the overall limit for the Liability id captured at ‘Drawer Maintenance’ screen.
12-11
Limit tracking for drawer +customer combination is tracked against the line id captured at
‘Customer Cheque Discounting’ screen.
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.
Note
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.
12.2.3.6 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.
12.2.4
Viewing Accounting Entries
Accounting entries and overrides specified for a particular product default for the individual
PDCs entered under that product. You can view these for individual PDCs. Click ‘Accounting
12-12
Entries’ button in the ‘Post Dated Cheques Transaction Input’ screen to invoke the
‘Accounting Entries’ sub-screen.
12-13
12.2.5
Viewing ICFF Details
Click the ‘ICCF Details button in the ‘Post Dated Cheques Transaction Input’ screen to invoke
the ‘ICCF Details’ sunscreen.
The following fields are displayed here:

Grace Period

Contract Reference Number

Component

Currency

Event

Rate Type

Maximum Rate

Minimum Rate

Customer Margin

Interest Periods

Fixed Rate

Rate Code
12-14
12.2.6

Description

Interest Amount

Spread
Specifying Project Details
Click the ‘Project Details’ button in the ‘Post Dated Cheques Transaction Input’ screen to
invoke the ‘Project Details’ screen. You will have to capture project details in this screen only
if the beneficiary account is a Trust account.
Specify the following details:
Project Name
Specify the developer project name for which payment is being made. The adjoining option
list displays all valid projects maintained in the system. You can select the appropriate one.
Input to this field is mandatory.
If you specify the Unit ID, the system will display the corresponding project name here.
Unit Payment
Indicate whether the transaction is a unit payment or not by choosing the appropriate value
from the adjoining drop-down list. The following values are available:

Yes

No
Unit ID
Specify the unit ID of the project. This field will be enabled only if you have selected ‘Yes’
against ‘Unit Payment’. The adjoining option list displays all unit IDs along with the unit holder
names corresponding to the project name chosen. You can select the appropriate one.
Deposit Slip Number
Specify the deposit slip number for the payment.
12-15
12.2.7
Specifying Limits
Click the ‘Limits’ button in the ‘Post Dated Cheques Transaction Input’ screen to invoke the
‘Linkage Details’ screen. You can capture multiple credit lines in this screen.
Specify the following details:
Customer Number
Specify the customer number. The adjoining option list displays all the valid customer names
maintained in the screen. You can choose the appropriate one.
Linkage Type
Specify the linkage type from the adjoining drop-down list. The list displays the following
values:

Facility (credit line)

Pool

Collateral
Linked Reference
Specify the linkage reference number based on the type of linkage. You can specify the
following:

If you have selected linkage type as ‘Facility’ then you have to enter facility code in the
Linkage reference number.

If you have selected linkage type as ‘Pool’ then you have to enter collateral pool code
in the Linkage reference number field.

If you have selected linkage type as ‘Collateral’ then you have to enter collateral code
in the Linkage reference number field.
Linkage Percentage
Specify the percentage of contribution that needs to be tracked for each Credit Line or
Collateral Pool.
12-16
Note
The total sum of ‘Percentage of Contribution’ should be equal to 100%, excluding the line
for joint venture customers. If the total sum is not equal to 100%, then the system will raise
an error message as “‘Sum total of Limits Percentage should be 100”.
Linkage Amount
The system displays the amount contributed for the credit line.
12.3 Viewing Summary of Post Dated Cheques Transaction
You can query, view and delete the transaction details of the post dated cheques in the ‘Post
Dated Cheques Transaction Summary’ screen. You can invoke this screen by typing
‘PDSONLIN’ in the field at the top right corner of the Application tool bar and clicking the
adjoining arrow button.
Here, you can query on post dated cheques based on any one or all of the following criteria:

Transaction Reference Number

Branch Code

Instrument Number

Loan Account Number

Product Code

Remitter Account Number

Issuer Bank

Cheque Status

Schedule Due Date
12-17
Click ‘Search’ button. The system identifies all records satisfying the specified criteria and
displays the following details for each one of them:

Transaction Reference Number

Event Sequence Number

Source Code

External Reference

Product Code

Branch Code

Remitter Account Number

Beneficiary Account Number

Instrument Number

Currency

Amount

Value Date

Clearing Product

Routing Number

End Point

Issuer Bank

Issuer Branch

Purpose

Activation Date

Location of Cheque

Record Status

Status

Loan Account Number

Remarks
12-18
12.4 Bulk Input of Post Dated Cheques
Oracle FLEXCUBE allows bulk inputs of PDCs with different due dates. 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.
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 checked, you have
to enter the individual details of the cheque for the same clearing product and currency. If you
check this box, you can specify project details in the ‘Project Details’ screen.
Refer the section ‘Specifying Project Details’ in this User Manual for details about the ‘Project
Details’ screen.
12-19
Bulk Input Details
You can input bulk number of cheques even if it is drawn on different accounts and different
amounts here.
The following details are captured here:
Operation
Select the operation from the adjoining 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
Account Description
The system displays the description of the specified account number based on the details
maintained at ‘Customer Account Maintenance’ level
Beneficiary Account Number
Specify the account, in favour 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. If you specify a Trust account, you will have to specify project details in the ‘Bulk
Input Details’ section.
Beneficiary Name
The system displays the name of the specified beneficiary based on the details maintained at
‘Customer Maintenance’ level.
Instrument Number
Specify the PDC number. If PDC type is External, this number should be unique for the given
clearing branch and 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
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.
12-20
Activation Date
Specify the date of activation of PDC.
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 Account Description
The system displays the description of the specified charge account number based on the
details maintained at ‘Customer Account Maintenance’ level.
Charge Currency
Specify the currency in which the charge should be calculated.
Drawer ID
Specify the drawer Id. This adjoining option list displays all valid drawer Ids maintained in the
system. You can choose the appropriate one.
User Reference
Specify the user reference number. This is a mandatory field.
Cheque Value Date
Specify the value date on which the cheque is issued.
Project Name
Specify the developer project name for which payment is being made. The adjoining option
list displays all valid projects maintained in the system. You can select the appropriate one.
Input to this field is mandatory.
If you specify the Unit ID, the system will display the corresponding project name here.
Unit Payment
Indicate whether the transaction is a unit payment or not by choosing the appropriate value
from the adjoining drop-down list. The following values are available:

Yes

No
Unit ID
Specify the unit ID of the project. This field will be enabled only if you have selected ‘Yes’
against ‘Unit Payment’. The adjoining option list displays all unit IDs along with the unit holder
names corresponding to the project name chosen. You can select the appropriate one.
Schedule Date
Select the due date of the schedule from the adjoining option list. The list displays all the future
dated unpaid schedule of the loan account for which the debit settlement mode of the
component is PDC.
12-21
Deposit Slip Number
Specify the deposit slip number for the payment.
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 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.
12.4.1
Specifying Project Details
Click the ‘Project Details’ button in the ‘Post Dated Cheques Bulk Input’ screen to invoke the
‘Project Details’ screen. You will have to capture project details in this screen only if the
beneficiary account is a Trust account.
Specify the following details:
Project Name
Specify the developer project name for which payment is being made. The adjoining option
list displays all valid projects maintained in the system. You can select the appropriate one.
Input to this field is mandatory.
If you specify the Unit ID, the system will display the corresponding project name here.
Unit Payment
Indicate whether the transaction is a unit payment or not by choosing the appropriate value
from the adjoining drop-down list. The following values are available:

Yes

No
12-22
Unit ID
Specify the unit ID of the project. This field will be enabled only if you have selected ‘Yes’
against ‘Unit Payment’. The adjoining option list displays all unit IDs along with the unit holder
names corresponding to the project name chosen. You can select the appropriate one.
Deposit Slip Number
Specify the deposit slip number for the payment.
12.5 Viewing Summary of Post Dated Cheques Bulk Input
You can query, view and delete the transaction details of the post dated cheques bulk inputs
in the ‘Post Dated Cheques Bulk Input Summary’ screen. You can invoke this screen by
typing ‘PDSBULKI’ in the field at the top right corner of the Application tool bar and clicking
the adjoining arrow button.
Here, you can query on post dated cheques transaction details based on any one or all of the
following criteria:

Authorization Status

Transaction Reference Number

Record Status

Loan Account Number
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

Transaction Reference Number

Sector Code

External Reference

Number of Entries
12-23

Product Code

Branch Code

Remitter Account Number

Beneficiary Account Number

Instrument Number

Currency

Issuer Bank

Issuer Branch

Charge Branch

Charge Account Number

Charge Currency

Account Number

Remarks

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 ‘Active’ and contingent entries are passed.
12.5.1
Liquidation of PDCs
PDCs that have reached or are past their activation date are liquidated as part of beginningof-day batch process in Oracle FLEXCUBE. For PDCs with ‘Active’ status, the system
performs the following actions on liquidation:

Reverse contingent entries if any were passed

Update status to Liquidated

Log the instrument with Clearing, if necessary

Call Accounts Rates Charge (ARC) upload to create a Cheque deposit transaction as
per the ARC product set up for the PDC.

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’ in the Application toolbar or click liquidate icon.
12.5.2
Cancellation and Reversal of PDCs
An active PDC can be cancelled before liquidation. You can cancel a post dated cheque using
‘Post Dated Cheques Reject’ screen. Invoke ‘Post Dated Cheque Reject Summary’ screen by
12-24
typing ‘PDSONREJ’ in the field at the top right corner of the Application toolbar and clicking
the adjoining arrow button.
You can set the required parameters and search the records. Select the record that you wish
to reverse or cancel. Further, click ‘Cancel or Reverse’ button.
You can specify the following details:
Contract Reference
The system displays the reference number of the post dated cheque transaction.
Reject Code
Specify the code that identifies the reason for cheque rejection/ cancellation. The option list
displays all valid reject codes maintained in the system. Choose the appropriate one.
12-25
Reject Reason
Based on the reject code selected, the system displays the reason for rejection/ cancellation.
To cancel the cheque, click ‘Cancel’ button. To reverse the cheque, click ‘Reverse’ button.
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.
Oracle FLEXCUBE cancels the outstanding PDCs that are linked to loan after the prepayment
of the loan. If you want to cancel the PDC after the partial prepayment, you will have to cancel
manually through the ‘Post Dated Cheque Transaction Input’ screen. If you want to reverse
the prepayment and authorization, you will have to manually link the cancelled loan payment
through ‘Post Dated Cheque Transaction Input’ screen.
Note
The system will generate advices when the PDC is cancelled. This advice contains the
message type ‘PD_PDC_CAN’ with ‘PD’ module.
12.5.3
Bulk Cancellation of PDCs
The system can cancel all the post dated cheques of the loan account whose Schedule due
date is greater than the Schedule date entered in the screen and which are yet to be sent for
collection. You can cancel the PDCs using the ‘Loan Account PDC – Bulk Cancellation’
screen. You can invoke this screen by typing ‘PDDBULKC’ in the field at the top right corner
of the Application tool bar and clicking the adjoining arrow button.
Specify the following details:
Reference No
The system displays the Reference Number of the transaction.
Customer Id
Select the Customer Id from the adjoining option list.
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Customer Name
The system displays the Customer Name of the selected customer id.
Schedule Date
Specify the Schedule date.
Account No
Select the Account Number from the adjoining option list.
12.5.4
Manual Realization of PDCs
There are two possible ways of PDC realization based on the product setup:

Auto Realization

Manual Realization – For early/late realization
You can invoke the ‘Post Dated Cheques Manual Realization’ screen by typing ‘PDDMANLQ’
in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button. PDC Manual Realization is query screen where you can enter the ‘Reference number’
of the clearing transaction.
12-27
You can initiate the movement of funds to collect manually and can enter the ‘Reference
number’ of the clearing transaction.
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 can select the following values for the remitter account:

If the PDC type is ‘Own A/c PDC’, the remitter account should be a valid customer account

If the PDC type is ‘PDC issued by the bank’, the remitter account can either be a GL or
Nostro account

If the PDC type is ‘External PDC’, the remitter account should be a valid GL
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 is denominated. Also specify the
amount of the PDC.
Value Date
Specify the date on which the PDC was deposited.
Loan Account Number
Specify the unique loan account number. The adjoining option list displays all valid account
numbers of the CL, MO and LE maintained in the system. You can choose the appropriate
one.
Drawer Identification
Specify a drawer Id here.
Cheque Date
Specify the date on which the cheque is issued.
User Reference
Specify the user reference number. This is a mandatory field.
Remarks
Specify the explanation for the cancellation of post dated cheque.
Event Sequence Number
Specify the event sequence number for processing a post dated cheque.
Source Code
Specify the source code for processing a post dated cheque.
External Reference Number
Specify the external reference number while processing a post dated cheque.
12-28
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 & bank.
12.5.4.1 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.
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 & Routing Number, refer to the Clearing User
Manual.
The clearing details are needed only for External type PDCs.
12.5.4.2 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:

U - Unprocessed

A - Active (Initiated)

V - Reversed

L - Liquidated

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.
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Purpose
You have the option of specifying the purpose for which the PDC is issued. This is for
information only.
Currency
Specify the currency in which the charge should be calculated.
Move funds to be collected
Check this box to trigger the realization of funds to customer account manually.
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.
Drawer ID
Specify the drawer Id. This adjoining option list displays all valid drawer Ids maintained in the
system. You can choose the appropriate one.
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.
The following operations are also allowed for this screen after the query operation.

Unlock

Save

Authorization

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.
12.5.4.3 Specifying Project Details
Click the ‘Project Details’ button in the ‘Post Dated Cheques Manual Liquidation’ screen to
invoke the ‘Project Details’ screen. You will have to capture project details in this screen only
if the beneficiary account is a Trust account.
12-30
Specify the following details:
Project Name
Specify the developer project name for which payment is being made. The adjoining option
list displays all valid projects maintained in the system. You can select the appropriate one.
Input to this field is mandatory.
If you specify the Unit ID, the system will display the corresponding project name here.
Unit Payment
Indicate whether the transaction is a unit payment or not by choosing the appropriate value
from the adjoining drop-down list. The following values are available:

Yes

No
Unit ID
Specify the unit ID of the project. This field will be enabled only if you have selected ‘Yes’
against ‘Unit Payment’. The adjoining option list displays all unit IDs along with the unit holder
names corresponding to the project name chosen. You can select the appropriate one.
Deposit Slip Number
Specify the deposit slip number for the payment.
12.5.4.4 Specifying Limits
Click the ‘Limits’ button in the ‘Post Dated Cheques Manual Liquidation’ screen to invoke the
‘Linkage Details’ screen. You can capture multiple credit lines in this screen.
Specify the following details:
Customer Number
Specify the customer number. The adjoining option list displays all the valid customer names
maintained in the screen. You can choose the appropriate one.
Linkage Type
Specify the linkage type from the adjoining drop-down list. The list displays the following
values:
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
Facility (credit line)

Pool

Collateral
Linked Reference
Specify the linkage reference number based on the type of linkage. You can specify the
following:

If you have selected linkage type as ‘Facility’ then you have to enter facility code in the
Linkage reference number.

If you have selected linkage type as ‘Pool’ then you has to enter collateral pool code in
the Linkage reference number field.

If you have selected linkage type as ‘Collateral’ then you have to enter collateral code
in the Linkage reference number field.
Linkage Percentage
Specify the percentage of contribution that needs to be tracked for each Credit Line or
Collateral Pool.
Note
The total sum of ‘Percentage of Contribution’ should be equal to 100%, excluding the line
for joint venture customers. If the total sum is not equal to 100%, then the system will raise
an error message as “Sum total of Limits Percentage should be 100”.
Linkage Amount
The system displays the amount contributed for the credit line.
12-32
12.6 Maintaining Drawer Status Details
You can maintain the drawer status details using ‘Drawer Status Maintenance’ screen. You
can invoke this screen by typing ‘PDDDWRST’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can enter the following details:
Drawer Status Code
Specify a unique drawer status code here.
Description
Enter a brief description about the status code.
Default Status
Check this box to indicate the whether to default the status or not.
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12.7 Maintaining Drawer Details
You can maintain the drawer details using ‘Drawer Maintenance’ screen. You can invoke this
screen by typing ‘PDDDWRMT’ in the field at the top right corner of the Application tool bar
and clicking on the adjoining arrow button.
You can enter the following details:
Drawer Identification
Specify a unique drawer Id here.
Customer Identification
Specify the customer Id if the drawer belongs to the same bank. This adjoining option list
displays all valid customer ids maintained in the system. You can choose the appropriate one.
This is a mandatory field.
12-34
Liability Identification
The system displays the liability Id if the drawer is a bank customer. However you can specify
the liability Id for a drawer, when a cheque discounting transaction is input, the limit utilization
for the drawer will be tracked against this liability.
Drawer Status
Specify the drawer status. This adjoining option list displays all valid drawer statuses
maintained in the system. You can choose the appropriate one.
Drawer Name
Enter the drawer name. However If drawer is bank’s customer, then the name will get
defaulted here.
Drawer Black Listed
The system defaults this field. The drawer will be blacklisted based on the number of times
the cheque gets returned. The cheque return count will be maintained at ‘Bank parameters’
screen. If the number of cheque returns is greater than or equal to the count then drawer will
be marked as blacklisted.
Address
Enter the drawer address. However If drawer is bank’s customer, then the address will get
defaulted here.
Cheque Return Count
The system displays the number of cheque returns for a drawer.
Remarks
Specify any additional information.
Drawer Bank Details
Bank Code
Specify bank code. You can link multiple bank codes to one drawer.
Bank Name
Specify the bank name of the drawer.
Account Number
Specify the account number of drawer bank. This adjoining option list displays all valid
account numbers maintained in the system. You can choose the appropriate one.
Status
Specify the drawer status against each drawer bank. This adjoining option list displays all
valid drawer statuses maintained in the system. You can choose the appropriate one.
Date Of Change
The system displays the date of update for each bank.
Remarks
Enter any comments you wish to record pertaining to this screen.
Cheque Details
Cheque Status
The system displays the status of cheque. On realization, the status will be updated as ‘Used’
and upon return the status will be updated as ‘Return’.
12-35
Cheque Amount
The system displays the amount on the cheque.
Discounted Date
The system displays the date of discounting.
Cheque Date
The system displays the date of cheque clearing.
12.8 Viewing Drawer Summary
You can query, view the drawer details of the post dated cheques in the ‘Drawer Summary’
screen. You can invoke this screen by typing ‘PDSDWRMT’ in the field at the top right corner
of the Application tool bar and clicking the adjoining arrow button.
Here, you can query on drawer details based on any one or all of the following criteria:

Drawer Identification

Drawer Name

Drawer Status

Customer Number
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

Drawer Identification

Drawer Name

Drawer Status

Customer Number

Drawer Blacklisted
12-36
12.9 Maintaining Post Dated Cheque Reject Code
You can maintain reject codes that are applicable to the rejection of post dated cheques using
‘Post Dated Cheque Reject Code Maintenance’ screen. To invoke this screen, type
‘PDDRJCOD’ in the field at the top right corner of the application toolbar and click the
adjoining arrow button.
Specify the following details:
Reject Code
Specify a unique reject code. This code can be used to identify the reason for rejecting or
cancelling a post dated cheque.
Description
Enter the reject reason. Once you have captured the details, save the maintenance.
12-37
12.10 Maintaining Customer Cheque Discount Details
You can maintain the customer cheque discounting details using ‘Customer Cheque
Discounting Detail’ screen. You can invoke this screen by typing ‘PDDCHDMT’ in the field at
the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can enter the following details:
Customer Details
Customer Identification
Specify the customer identification. This adjoining option list displays all valid customer ids
maintained in the system. You can choose the appropriate one. This is a mandatory field.
Customer Name
On selecting customer Id, the system displays the corresponding customer name.
Account Details
Liability Account Branch
Specify the customer liability account branch code. This adjoining option list displays all valid
branch codes maintained in the system. You can choose the appropriate one.
Liability Account
Specify the customer liability account/PDC settlement account. This adjoining option list
displays all valid customer accounts maintained in the system. You can choose the
appropriate one. This is a mandatory field.
12-38
Liability Account Currency
Specify liability account currency.
Total Available Amount
The system displays the total available balance inclusive of limit amount, for the selected
account.
Past Due Account Branch
Specify the past due account branch code. This adjoining option list displays all valid branch
codes maintained in the system. You can choose the appropriate one.
Past Due Account
Specify the customer past due account. This adjoining option list displays all valid customer
accounts maintained in the system. You can choose the appropriate one. This is a mandatory
field.
Past Due Account Currency
Specify the past due account currency.
Available Amount
The system displays the available balance for the selected account.
Drawer Details
Drawer Identification
Specify the drawer identification. This adjoining option list displays all valid drawer Ids
maintained in the system. You can choose the appropriate one. You can as well attach
multiple drawer identification.
Drawer Name
The system displays the drawer name.
Customer – Drawee Line ID
Specify the limit line for customer and drawer combination. This adjoining option list displays
all valid limit lines maintained for the liability Id. You can choose the appropriate one.
12.11 Viewing Customer Cheque Discount Summary
You can query, view the customer cheque discount details of the post dated cheques in the
‘Customer Cheque Discounting Summary’ screen. You can invoke this screen by typing
12-39
‘PDSCHDMT’ in the field at the top right corner of the Application tool bar and clicking the
adjoining arrow button.
Here, you can query on customer cheque discounting details based on any one or all of the
following criteria:

Customer Number

Liability Account/ PDC settlement account

Past Due account
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 Number

Liability Account/ PDC settlement account

Past Due account
12.11.1 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.
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.
12-40
12.11.1.1 Discounted cheque, Advance Charge collection, with Accrual
Event: CDIS
Check discounted
PD_TAG
Dr
Customer
PD_TAG
Cr
Customer
<Interest comp>_LIQD
Dr
RIA
<Interest comp>_LIQD
Cr
Event: PULL
CHECK DISCOUNTING
PD_TAG
Cr
Customer
PD_TAG
Dr
Income
<Interest comp> _LIQD
Cr
Customer
<Interest comp> _LIQD
Cr
PDC_ISSUE
PD_TAG
Cr
PDC_ISSUE_CONTR
PD_TAG
Dr
Customer
PD_CHG_TAG
Dr
PD_PULLINC
PD_CHG_TAG
Cr
Event: RETN
Customer
PD_TAG
Dr
Cheque discounted
PD_TAG
Cr
RIA
<interest comp>_Adj
Dr
Income
<interest comp>_Adj
Cr
12-41
Event: ACCR
RIA
<Interest comp> _ACCR
Dr
Income
<Interest comp> _ACCR
Cr
12.11.1.2 Discounted, Advance charge collection, without Accrual
Event: CDIS
Check discounted
PD_TAG
Dr
Customer
PD_TAG
Cr
Customer
<Interest comp>_LIQD
Dr
RIA
<Interest comp>_LIQD
Cr
Event: PULL
Cheque discounted
PD_TAG
Cr
Customer
PD_TAG
Dr
RIA
<interest comp>_Ref
Dr
Customer
<interest comp>_Ref
Cr
Customer
PD_CHG_TAG
Dr
RIA
<interest comp>_LIQD
Dr
PD_PULLINC
PD_CHG_TAG
Cr
PDC_ISSUE
PD_TAG
Cr
PDC_ISSUE_CONTR
PD_TAG
Dr
Income
<interest comp>_LIQD
Cr
RIA
<interest comp>_LIQD
Dr
12-42
Event: RETN
Customer
PD_TAG
Dr
Cheque discounted
PD_TAG
Cr
RIA
<interest comp>_LIQD
Dr
Income
<interest comp>_LIQD
Cr
Event: RADJ
RIA
<Interest comp> _LIQD
Dr
Income
<Interest comp> _LIQD
Cr
12.11.1.3 Discounted, Arrear charge collection, with Accrual
Event: CDIS
Cheque discounted
PD_TAG
Dr
Customer
PD_TAG
Cr
Event: PULL
Cheque Discounting
PD_TAG
CR
Customer
PD_TAG
DR
Income
<Interest comp> _LIQD
CR
Customer
<Interest comp> _LIQD
CR
PDC_ISSUE
PD_TAG
CR
PDC_ISSUE_CONTR
PD_TAG
DR
Customer
PD_CHG_TAG
DR
PD_PULLINC
PD_CHG_TAG
CR
12-43
Event: RETN
Customer
PD_TAG
Dr
Cheque discounted
PD_TAG
Cr
Customer
<Interest comp> _LIQD
Dr
Interest Receivable
<Interest comp> _LIQD
Cr
Income
<Interest comp> _ACCR
Dr
Interest Receivable
<Interest comp> _ACCR
Dr
Event: ACCR
Event: RADJ
Customer
<Interest comp> _LIQD
Dr
Interest Receivable
<Interest comp> _LIQD
Cr
12.11.1.4 Discounted, Arrear charge collection, without Accrual
Event: CDIS
Cheque Discounted
PD_TAG
Dr
Customer
PD_TAG
Cr
12-44
Event: PULL
Cheque Discounting
PD_TAG
Cr
Customer
PD_TAG
Dr
Income
<Interest comp> _LIQD
CR
Customer
<Interest comp> _LIQD
CR
PDC_ISSUE
PD_TAG
CR
PDC_ISSUE_CONTR
PD_TAG
DR
Customer
PD_CHG_TAG
DR
PD_PULLINC
PD_CHG_TAG
CR
Event: RETN
Customer
PD_TAG
Dr
Cheque discounted
PD_TAG
Cr
Customer
<Interest comp> _LIQD
Dr
Income
<Interest comp> _LIQD
Cr
12-45
Event: RADJ
Customer
<Interest comp> _LIQD
Dr
Income
<Interest comp> _LIQD
Cr
12.11.2 Purchase
Event: CPUR
Cheque Discounted
PD_TAG
Dr
Customer
PD_TAG
Cr
Event: RETN
Customer
PD_TAG
Dr
Cheque discounted
PD_TAG
Cr
Event: RADJ
Customer
<Charge comp> _LIQD
Dr
<Charge_comp>_REC
<Charge comp> _LIQD
Cr
12-46
13. Instrument Details
13.1 Introduction
Instrument transactions entered through an Oracle FLEXCUBE branch are stored in the host
Oracle FLEXCUBE database through the Instrument details screen.
The Instruments 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.
13.2 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.
13-1
13.2.1
Entering DD Details
In this screen you can enter certain basic details of the instrument. They are:

The instrument type

A description of the instrument

The other preferences which include:
–
Whether auto authorization is allowed for the instrument type
–
Whether you need a print of the instrument details as and when the details are entered and authorized.
–
Whether online authorization is allowed for the instrument
–
Whether the instrument type allows to create demand drafts payable at other banks
–
Whether revalidation is allowed for the instrument type
–
Whether duplication of issuance allowed for the instrument type
13-2

The expiry frequency of the instrument - in days, months or years

Revalidation frequency of the instrument – in days, months or years

The advice format applicable under this instrument type

The status of the instrument and the product codes associated with the same

The currency in which the DD is being issued

The dao branch where the DD is being issued from

The dao account which will get credited for the DD issued as per the currency and dao
branch.

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.

Event to maintain the events REVA, DISU
The various products selected against the various statuses should have maintenance in ARC
except for statuses like ‘Expired’ or ‘Reissue’.
13.2.2
Maintaining Instrument Types for Outward Clearing Cheques
When you maintain instrument types for processing outward clearing Cheques, you need to
ensure that:

You have maintained the clearing products that would be used for processing the Registration (INIT) and Liquidation (LIQD) events.

In the 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.

The Clearing Required option has not been enabled for the product maintained for the
liquidation event.
13.3 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. You can invoke
the ‘Banker Cheques/Demand Drafts – Issuer Banks Details’ screen by typing ‘DEDDRISD’
13-3
in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button
13.3.1
Entering the Details
In this screen you can enter certain basic details of the instrument. They are:

The Bank Code and the description of the bank

The Currency in which the instrument is being issued

The instrument type

The DAO (Draft Advice Outstanding) branch where the instrument is being issued from.

The DAO account which will get credited for the instrument issued as per the currency
and DAO branch.

The parameters for the instruments issued by another bank:
–
The code for the branch issuing the instrument
–
The description for the branch
–
The DAO branch where the instrument is being issued from
–
The DAO account which will get credited for the instrument issued as per the currency and DAO branch.
–
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.
13-4
13.4 Entering 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.
In this screen, the following details get specified for each instrument transaction that you
initiate or gets initiated:

The type of the instrument that the system will use for processing the transaction

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 the Copy option in the toolbar/menu).
–

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
A Reinstated draft can be changed to the following statuses :
–
Cancelled
–
Refund
–
Lost
13-5
–
Reinstated
–
Stopped

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.

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.

An external reference, if any, for the transaction (for transactions entered from the
Branch, this number is obtained by the system).

Branch Code: This is defaulted to the current branch

The DD. MICR number of the instrument – this has to be entered

The instrument sequence number: This is automatically generated by the system.

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.

The Instrument amount being paid, through each instrument

The currency in which the instrument amount is expressed

Payable bank specified in the instrument

Payable Branch the instrument is issued against

Remitter: Specify the name of the remitter or the third party. The country location of the
remitter also needs to be specified.
Note
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.

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.

The Expiry Date of the instrument transaction: This is defaulted as the instrument date
+ the tenor as defined for the instrument type. You can change this date.

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.

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.

Reissued: Cheque the box if the instrument is being reissued for some reason

Reissued Draft No: Specify the draft number for the instrument that is reissued
13-6

The Original Draft Number: This is populated with the instrument number of the contract
that is re-issued

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 untanked and released.
Note
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 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.
13-7
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.
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:

The End Point

The Bank Code

The Branch Code (as identified in the network)

The Sector to which it belongs

Whether Reg CC is applicable

Whether special cheque is governed by the Reg CC schedules

Whether late clearing is required

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.
13-8
13.4.1
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.
13.4.2
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 ‘Charges’ tab in the main ‘Instruments Transaction Query’ screen to view the
charges.
The following details are displayed in this screen, based on the ARC record for the instrument,
branch and currency chosen for the transaction:

The charge account (typically the income account) specified in the charges section of
the ARC Maintenance.

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.
13-9
13.4.3
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.
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.
13.4.4
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.
13-10
Click the ‘Charges’ tab in the main ‘Instruments Transaction Query’ screen to view the
charges.
The following details are displayed in this screen, based on the ARC record for the instrument,
branch and currency combination chosen for the transaction:
13.4.5

The charge account (typically the income account) that you have specified in the charges section of the ARC Maintenance.

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.
Processing Outward Clearing Instruments
When you liquidate outward clearing instruments, you need to enter the following details:

The charges being collected on behalf of the collecting bank

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.
13.5 Exempting 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.
13-11
14. Annual Percentage Yield for CASA Accounts
14.1 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 the system to compute APY on CASA accounts, you need to:

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.

In the 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.
14.2 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:
Basis
Case
APY Logic
Average
Balance
Statement frequency is asynchronous
with liquidation frequency, for instance, if
interest is calculated on the average
daily balance for the calendar month and
account statement is provided from 16th
of one month to the 15th of next month.
Interest used for APY calculation
will be the interest liquidated for the
previous period, and you must
maintain the APY basis as ‘LIQD’.
Average
Balance
Statement frequency is lesser than liquidation frequency, for instance, if interest
is paid on a quarterly basis for the quarter and account statements are provided
monthly
APY is printed only when the interest is liquidated, i.e., the account
statement for first two months of
the quarter does not print APY, and
APY is printed in the account statement only for the third month. For
such cases, you must maintain the
APY basis as ‘LIQD’.
14-1
Basis
Case
APY Logic
Average
Balance
Statement frequency is more than liquidation frequency, for instance, if interest
is paid on a monthly basis and account
statements are provided annually
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 ‘LIQD’
Daily
Balance
Statement frequency is less than liquidation frequency, for instance, interest is
calculated using the daily balance
method, applied annually, and monthly
statement is provided.
APY calculation includes the interest accrued till the current statement date. For such cases, you
must maintain the APY basis as
‘ACCR’
Daily
Balance
Statement frequency is more than liquidation frequency; as well and Statement
frequency not in sync with liquidation frequency
APY calculation includes the interest accrued till the current statement date. For such cases, you
must maintain the 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)
For Example to compute APY, 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) ^(365/182) -1] = 6.18%
14-2
To ensure the APY computation in the system, you must:
1. Define interest formula (say FORMULA1)
2. Define a system defined element (SDE) for Balance
3. Define a SDE for Days (number of days in the period, say DAYS)
4. Define a SDE for number of days in year (say YEAR)
5. Define a non-booked formula FORMULA2 as 1 + (FORMULA1/ Balance)
6. Define a non-booked formula FORMULA3 as YEAR/DAYS
7. Define a non-booked formula FORMULA4 as FORMULA2 ^ FORMULA3
8. Define a non-booked formula FORMULA5 as 100 * (FORMULA4 – 1), which will be the
computed APY. If rounding is required, specify rounding at formula level.
9. In the Regulation Parameters Maintenance screen, specify PROD-RULE-FORMULA5 as
APY type
14-3
15. Instrument Type Maintenance and Consolidated
Cheque Printing
15.1 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, DDs, 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.
15.2 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.
15-1
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 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).
Note
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
individual 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.
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.
15-2
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) 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.
15.2.1
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’.
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.
15.2.2
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 can 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:

Creating a new record

Copying a record
15-3

Deleting a record

Reopening a record

Closing a record
The Messaging Subsystem of Oracle FLEXCUBE populates the following details whenever a
Cheque is printed:

Amount for which the Cheque is drawn

Currency of the amount

Beneficiary of the Cheque Date for which the Cheque was issued

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.
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:

A ‘Used’ status to a ‘Cancelled’ status

A ‘Not Used’ status to a ‘Cancelled’ status
Note
You cannot change the status of a ‘Cancelled’ Cheque.
15.3 FT Upload
You can configure Ft upload function to be run as part of the EOD operations.
15-4
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.
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.
15.3.1
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.
Note
The instrument type will get defaulted only if you associate the liquidating event with the
advice tag PAYMENT _MESSAGE.
15.4 MT110 and MT111 Generation
MT110 and MT111 will be generated from Instruments module.

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.

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 MT110 and DD_STOP_PMNT 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
15-5
DD_ISSUE is linked to an INIT product the existing message DEMDRAFT also will get printed
along with MT110. 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.

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

A DAO account needs to be maintained in the Teller-> Demand draft details for each
bank +branch +currency combination

The related customer of the credit account thus obtained will be determined

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 MT110 and MT111 will be as follows.
MT110 –
The receiver of MT110 will be the BIC for the customer corresponding to the Nostro a/c of the
Liquidation product’s ARC setup.
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
MT111
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.
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
15-6
15.4.0.1 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.
Common Payment Gateway Field
Instruments Field
Source Reference
External Reference
Source Code
Source Code
Queue
Not mapped
Amount
Instrument Amount
Value Date
Instrument Date
Currency
Instrument Currency
Status
Not mapped
Error Reason
Not mapped
Contract Reference Number
Not mapped (Generated upon upload)
Customer Account Number
Account Number
Customer Account Currency
Account Currency
Customer Amount
Amount in Account Currency
Customer Value Date
Not mapped
Counterparty Account Number
Beneficiary Account
Counterparty Currency
Beneficiary Account Currency
Counterparty Amount
Offset Amount
Counterparty Value Date
Not mapped
Exchange Rate
Exchange Rate
By Order Of (5 Columns)
Not mapped
Our Correspondent (5 Columns)
Not mapped
Receiver’s Correspondent (5 Columns)
Not mapped
Intermediary (5 Columns)
Not mapped
Account With Institution (5 Columns)
Not mapped
Beneficiary Institution1
Beneficiary Name
Beneficiary Institution 2
Beneficiary Address Line 1
Beneficiary Institution 3
Beneficiary Address Line 2
Beneficiary Institution 4
Beneficiary Address Line 3
15-7
Common Payment Gateway Field
Instruments Field
Beneficiary Institution 5
Beneficiary Address Line 4
Payment Details (5 Columns)
Not mapped
Sender to Receiver Information (5 Columns)
Not mapped
Bank Operation Code
Not mapped
Instruction Code
Not mapped
Related Reference Number
Not mapped
Reject Code
Not mapped
Reject Details
Not mapped
UDF_1
Instrument Number
UDF_2
DD MICR Number
UDF_3
Instrument Status
UDF_4
Identifier Name 1
UDF_5
Identifier Value 1
UDF_6
Identifier Name 2
UDF_7
Identifier Value 2
UDF_8
Identifier Name 3
UDF_9
Identifier Value 3
UDF_10
Identifier Name 4
UDF_11
Identifier Value 4
UDF_12
Identifier Name 5
UDF_13
Identifier Value 5
UDF_14
Identifier Name 6
UDF_15
Identifier Value 6
UDF_16
Charge Account
UDF_17
Expiry Date
Modification Number
Modification Number
UDF_18
SSN
UDF_19
Reissued Flag
UDF_20
Original Draft Number
UDF_21
Reissue Remarks
15-8
Common Payment Gateway Field
Instruments Field
UDF_22
Reissued Draft Number
UDF_23
Transaction Date
UDF_24
Beneficiary Customer Number
UDF_25
Print Status
UDF_26
Payable Bank
UDF_27
Copy of instrument printed
UDF_28
Offset Account
UDF_29
Offset Currency
UDF_30
Narrative
Maker Id
Maker Id
Maker Date Stamp
Maker Date Stamp
Authorizer Id
Authorizer Id
Chequeer Date Stamp
Chequeer Date Stamp
Record Status
Record Status
Authorization Status
Authorization Status
Authorized Once flag
Authorized Once flag
Message Type
Not mapped
Branch Code
Payable Branch
Version Number
Version Number
Latest Version Number
Not mapped
Customer Account Branch
Account Branch
Counterparty Account Branch
Offset Branch
15.5 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.
15-9
15.5.1
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.
In the Uncollected Funds Release screen, you can choose to:

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 any transactions whose available date falls between the application date and specified To Date can be released.

Specify a new available date for a credit transaction

Authorize any previous release of uncollected funds for a transaction

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.
15.5.1.1 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:

Select the operation you want to perform, by selecting the appropriate radio button in
the Fund Selection section

Select the release option, either Automatic or Manual, in the Option section. If you specify an automatic release option, specify a To Date
15-10
15.5.1.2 Selecting a Transaction for an Operation
After you have retrieved the transaction, the following details of the transaction are displayed:

The Available Date

The Account pertaining to the specified Uncollected Fund

Reference Number

Amount of the transaction

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.
15.5.1.3 Making uncollected Funds available before the Available Date
You can use the Uncollected Funds Manual Release screen to indicate that uncollected 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.
15.5.1.4 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.
15.6 Intra-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 ‘BADIDBAT’ in the field at the top
right corner of the Application tool bar and clicking on the adjoining arrow button.
15-11
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.
15-12
15.6.1
Querying for Details on Overdrawn Accounts
You can query for details of accounts that are overdrawn over limits through the ‘Overdrawn
Accounts Query’ screen.
You can view the following information in this screen:

Customer Number

Account Branch

Account Number

Account Currency

Facility Identifier

Line ID

Liability Number

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.

Uncollected Funds- the funds which are pending collection on the customer account.

Uncollected Funds Limit

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.
Note
If, for a branch, you have specified 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.
15-13
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.
Intraday uncollected fund release batch status
15.7 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 any clearing and PDC using this
screen.
You can query for the interface details based on the following criteria:
Source Code
Specify the source code for clearing transaction.
External Reference
Specify the external reference number.

Click ‘Execute Query’. The system displays the following details:Branch

Remitter Account

Remitter Branch

Routing Number
15-14

Product

Instrument Currency

Instrument Amount

Instrument Date

Transaction Date

Late Clearing

End Point

Adjust Amount

Old Instrument Amount

Override Stale Days

Override Stop Pay

Force Posting

Module Reference Number

Error Codes

Error Message

Instrument Number

Batch Number

Status

Rejected Code

Advice Required

Instrument Type

Remitter Bank

Beneficiary Account

Beneficiary Bank

Beneficiary Branch

Bank Value Date

Customer Value Date

Serial Number

Contract Reference

Entry Number

Din

Din Date

Remarks - The system defaults the remarks based on the narrative maintained in the
respective data entry screen.
The system also displays the Charge and Events details in the respective windows.
15-15
15-16
15.8 Maintaining Online Charges for Products
Oracle FLEXCUBE allows you to maintain charge products and events ‘Online Charge
Product Maintenance’ screen. You can invoke this screen by typing ‘STDCHGMN’ in the field
at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following details here:
Source Code
Specify the source code. The adjoining option displays all the source code maintained in the
system. You can choose the appropriate one.
Note
It can be FLEXCUBE, FLEXBRANCH, ACUMEN and so on.
Charge Details
Charge Event
Specify the charge event. The adjoining option displays all the valid Oracle FLEXCUBE
Function ids or products available in the system. You can choose the appropriate one.
Description
The system displays a brief description of the product or function id.
Charge Product
Specify the charge product. The adjoining option displays all the valid the valid charge product
maintained at arc level. You can choose the appropriate one.
Action
Select the action you want the system to perform from the option list. The options available
are as follows:
15-17

New

Auth

Modify

Close
Note
–
You can link a retail teller charge product to the host function id STDCUSAC using
the Online Charge Product Maintenance screen if the action is ‘Close’.
–
You can link a retail teller charge product to the branch screens Close Out Account
Withdrawal (1301), Close Out Account Withdrawal by Multi mode (1350), Close out
Account Withdrawal by Bankers Cheque (1300) and Close out withdrawal by FT
(1320), using the Online Charge Product Maintenance screen, if the action is ‘New’.
–
The RT product linked with the account closure related host and branch function ID
in Online charge screen, should have the charge basis as "NUM-ACC-OPN-DAYS'
at ARC level. When this basis is used, Slab type should be maintained as "SLAB"
and Rate Type as “FLAT RATE”. The main offset accounting entry check box
should be unchecked,
15.9 Viewing Interface Clearing Summary
You can view the summary details of the clearing transactions using ‘Interface Clearing
Summary’ screen by typing ‘IFSCLGDT’ in the field at the top right corner of the Application
tool bar and clicking on the adjoining arrow button.
You can query on records based on any or all of the following criteria:

Authorization Status

Source code

Product
15-18

Beneficiary Account

Transaction Date

Entry Number

Module Reference

Batch Number

Record Status

External Reference

Remitter Account

Instrument Number

Status

Rejected Code

Instrument Type
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

Source Code

External Reference

Product

Branch

Remitter Account

Remitter Branch

Beneficiary Account

Instrument Number

Transaction Date

Routing Number

Status

Entry Number

Rejected Code

Advice Required

Module Reference

Instrument Type
15-19
16. Batch Processing
16.1 Introduction
The events that are to take place automatically are triggered off during what is called the
Batch Process. The batch process is an automatic function that is run as a mandatory
Beginning of Day (BOD) and/or End of Day (EOD) process. During EOD, the batch process
should be run after end-of-transaction-input (EOTI) has been marked for the day, and before
end-of-financial-input (EOFI) has been marked for the day. This chapter details the various
batch operations that are done in this module.
16.2 Batch Process for Liquidating PDC Linked Schedules
You can configure the batch process for liquidating PDC linked schedules to process the
payment of loan account components if the debit settlement mode is opted as PDC. This
batch ‘PDDLNLIQ is run either as EOD or as an intraday batch. The batch processes the
liquidation of all accounts for which the schedule date or PDC activation date and customer
value date is less than the application date.
On the cheque date the clearing transaction triggers the following accounting entries:
Debit/Credit
Amount
Accounting Role
Description
Debit
Cheque Amount
CLRNG_ACCOUNT
Clearing Account
Credit
Cheque Amount
CLRNG_OFS_ACCOUNT
Beneficiary Account
During liquidation the beneficiary account of the PDC contract is used as Debit Settlement
Bridge. The system passes accounting entries fro MLIQ as follows:
Debit/Credit
Amount Tag
Accounting Role
Debit
PRINCIPAL_LIQD
Beneficiary Account of PDC contract
Credit
PRINCIPAL_LIQD
Loan Account
Debit
MAIN_INT_LIQD
Beneficiary Account of PDC contract
Credit
MAIN_INT_LIQD
Main Interest Receivable
Note
If a PDC is returned or bounced due to any reason then you can represent the same PDC
for payment again.
16.3 Processing of Customer De-duplication Batch
You can use this screen in case of a rule change and the reports need to be taken for the list
of duplicate customers. You can invoke the ‘Intra Day Batch Start’ screen by typing
‘BABIDBAT’ in the field at the top right corner of the Application tool bar and clicking on the
adjoining arrow button.
16-1
Specify the De-duplication batch function id ‘DEDUPEOD’ to run the customer de-duplication
batch.
Only open customer accounts will be considered for the de-duplication check.
System initiates the de-duplication process based on the status maintained for deduplication
check at head office with the status ‘U’ (Unprocessed). and ‘P’ (Processed).internally.
16.3.1
Processing Message Generation for Combined Statement
An EOD batch STCDSMT is run to process the message generation based on the statement
cycle maintained in the ‘Combined Statement Maintenance’ screen.You can generate the
message from the outgoing message browser once the EOD batch is processed. If the
customer account in the statement plan belongs to different branches then the statement plan
will display the account balance from the customer local branch. During EOD, combined
statement will be generated monthly, whereas system applies charges to charge account
based on the IC liquidation frequency.
16-2
17. Reports
17.1 Introduction
During the day, or at the end 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 Current and Savings Account reports:

Account Cheque Details Report

CASA Stop Payment Report

Customer Statistics Report

Account Statement Report

PDC Summary Report

Interest Statement Report

Dormant Activated Report

Stop Cheques Maintained Report

Post Dated Cheques Due Today Report

Inter-Branch Accounts Opened Today Report

Account Status Movement Report

Variances Maintained Today Report

Operating Instructions Not Captured Report

Minor Customer Details Report

Cheque Purchased Report

Cheque Purchased Returned Today Report

Drawer-wise Returned Today Report

CASA-Overdraft Report

Insignificant Balance Dormant Account Report

CRR Movement Report

Ad-hoc Combined Statement
Note
You can query or modify the account details of the customers whose accounts are permitted to you for the query/modification in the ‘Group Code Restriction’ screen.
17-1
17.2 Maintaining Printing Options for Reports
You can indicate preferences to print a report, while generating a report; however, the
preferences are general.
The following are the common preferences you can maintain to print a report:
Format
Select the format in which you want the report to be generated from the options provided in
the drop-down list. The following options are available:

HTML

RTF

PDF

Excel
Output
Select the output for the report from the options provided. The following options are available:

Print – select this option if you wish to print the report

View – select this option if you wish to view the contents of the report

Spool – select this option if you wish to spool the report for further use
Printer At
Select location where you wish to print the report from the adjoining drop-down list. This list
displays the following values:

Client – Select if you need to print at the client location.

Server – Select if you need to print at the server location
Printer
Specify the name of the printer or select it from the option list provided. All the configured
printers are displayed in the list.
This is applicable only if you have specified the output as ‘Print’.
17-2
17.3 Account Cheque Details Report
This report gives details of the Cheques used, cancelled and rejected for an account. 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.
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 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.
17-3
Body of the report
Account
Description
Check Number
Status
Amount
Presented On
Date on Cheque
Beneficiary
The account number of the customer
The description of the account
The Cheque leaf number
The status of the cheque
The amount for which the cheque is issued
The date on which the cheque is presented in the bank
The date as given on the cheque
The name of the person in whose name the cheque is issued
17.4 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 field at the top right corner of the Application tool bar
and clicking on the adjoining arrow button.
Selection Options
You can indicate the following preferences for generating the report:
17-4
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.
Body of the report
Account
Description
Stop Payment No
Type
Start Check No
End Cheque No
Amount
Effective Date
Expiry Date
The account number of the customer
The description of the account
The stop payment instruction number
The stop payment can be issued either on an amount or on
cheque(s)
The starting cheque leaf number
The ending cheque leaf number
The amount for which stop payment is done
The date from which the stop payment is effective
The date on which the stop payment validity will expire
17-5
17.5 Customer Statistics Data
The table below displays customer statistics for the last six months.
Body of the report
Customer Number
FLEXCUBE Customer Number
Account No
FLEXCUBE Account Number
Acc Currency
Account Currency
Cust. Name
Customer name
Acc Branch
The branch in which the account was created
Last Debit
Last debit amount on the account for the month
Last Credit
Last credit amount on the account for the month
Last Over Draft
Last overdraft amount on the account for the month
Simple Average Balance
Minimum Balance
Maximum balance
No of Dr transactions
No of Cr Transactions
Closing Balance
Simple Average balance of the account for the month
Minimum balance of the account for the month
Maximum balance of the account for the month
Number of debit transactions for that month
Number of credit transactions for that month
Month end closing balance of that account
Total Balance
The balance of account (including the limit + uncleared /
uncollected funds)
No of Returned Cheques
Total number of cheques returned on the account for that
month
Debit Interest
Month END IC (Debit interest liquidated for that account
only will be considered)
N.S.F
Number of transactions which could not be completed
owing to Insufficient Balance in the account for the month
CHG'BLE TR
Number of chargeable transactions for the month
17-6
DB.CHK.RTD
Number of cheques returned for the month
Debit AVG
Debit average for the month
Days in Debit
Number of days in debit for the month
Monthly Debit AVG
Debit average for the month
Credit AVG
Credit average
Days in Credit
Number of days in Credit for the month
Monthly Credit AVG
Monthly credit average
XOD AVG
DAYS XOD
MNTH AV
Number of times gone into
Overdraft
Excess overdraft average for the month
Number of days in excess overdraft for the month
Excess overdraft average
Number of times the account went into overdraft for the
month
Note
The balance is shown in terms of the account currency.
17-7
17.6 Account Statement Reports
You can get the details of the account statement reports using ‘Account Statement Reports’
screen. You can invoke this screen by typing ‘ACDOPTN’ in the field at the top right corner of
the Application tool bar and clicking on the adjoining arrow button.
You can indicate the following preferences for generating the report:
Account Selection Type
You have to indicate the account selection type of the customer. The options available are:

One Account

Multiple Account

Range
Statement Type
You have to indicate the statement type of the customer. The options available are:

Brief

Detailed
Date Range
You can indicate the following:
From Date
Specify the date from when you are generating this report.
17-8
To Date
Specify the date till when you are generating this report.
Single Account
Account Number
Specify the account number. The option list displays all valid account numbers. Choose the
appropriate one.
Account Currency
Specify the account currency. The option list displays all valid account currencies. Choose the
appropriate one.
Charge
You have to indicate the type of charges. The options available are:

Null - Select this option If statement needs to be generated devoid of charge

Fixed Charge - Select this option If statement needs to be generated with a fixed amount
of charge

Based on date Range - Select this option of statement needs to be generated and the
charge for the same will be based on the duration of the period selected. (Difference between the from date and the to-date)

Online Charge – Select this option if the statement needs to be generated and online
charge is included.
Show Linked A/C Details
Check this box if you wish to show linked account details.
Dates
You have to indicate the type of dates. The options available are:

Booking Dated

Value Dated
Select Multiple Accounts
Account Number
Specify the account number. The option list displays all valid account numbers. Choose the
appropriate one.
Print Options
You have to indicate the type of print options. The options available are:

View

Sever Spool
From Account Number
Specify the account number from which the report needs to be generated. You can select the
appropriate number from the adjoining option list that displays all the accounts maintained in
the system.
To Account Number
Specify the account number to which the report needs to be generated. You can select the
appropriate number from the adjoining option list that displays all the accounts maintained in
the system.
17-9
From Account Currency
Specify the account currency from which the report needs to be generated. You can select
the appropriate currency from the adjoining option list that displays all the currencies
maintained in the system.
To Account Currency
Specify the account currency to which the report needs to be generated. You can select the
appropriate currency from the adjoining option list that displays all the currencies maintained
in the system.
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 Account Statement Report are discussed under the following heads:
Header
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 took place over a time period.
The Header carries the title of the Report, information on the Account Number of the user
generating the report.
Body of the report
Branch Name
This is the branch where the account resides.
Branch Address 1
This is the address of the branch.
Branch Address 2
This is the address of the branch.
Branch Address 3
This is the address of the branch.
Account Number
Details about customer account Number.
From date
This is from date.
To date
This is to date.
Page Number
This is the page number.
As of Date
As of date.
Customer Number
This is the customer number.
Customer Name
This is the customer name.
Customer Address 1
This is the address of the customer.
Customer Address 2
This is the address of the customer.
Customer Address 3
This is the address of the customer.
17-10
Customer Address 4
This is the address of the customer.
Opening Balance
This is the opening balance of the customer.
Transaction code Description
This is the description of the transaction code.
Transaction reference Number
This is the reference number of the account for which
transaction details is being reported
Opening Date
The opening date of the account.
Previous Date
Gives the date of the previous statement.
Transaction Booking Date
This is the transaction booking date.
Transaction Amount
This is the transaction amount.
Additional Information
Gives some additional information.
Debit-Credit Indicator
This indicates the nature of the transaction – debit or
credit.
Closing Balance
This indicates the closing balance.
Available Balance
This indicates the available balance.
Blocked Balance
This indicates the blocked balance.
Uncollected Balance
This indicates the uncollected balance.
Number of Debits
Indicates the number of debit transactions.
Number of Credits
Indicates the number of credit transactions.
Total Debit Value
Indicates the total debit value.
Total Credit Value
Indicates the total credit value.
Current Average Monthly
Balance
Indicates the current average monthly balance.
Previous Average Monthly
Balance
Indicates the previous average monthly balance.
Current Average Quarterly
Balance
Indicates the average quarterly balance.
Previous Average Quarterly
Balance
Indicates the previous average quarterly balance.
17-11
Note
The month end job ACBCSTAT batch runs in EOFI to compute account statistics and
ACSTHAND batch runs at EOTI with daily frequency.
Click ’OK’ button when you have specified your preferences in the ‘Account Statement
Reports’ screen. The ‘Print Options’ screen gets displayed, where you can specify the
preferences for printing the report.
17.6.1
Viewing Charge Details
You can view the charges for online statement generation in the ‘Charge Details’ screen. Click
on ‘Charges’ button to invoke ‘Charge Details’ screen.
Contract Reference
System displays the contract reference number here.
Charge Liquidation
System displays the following details under this section:

ESN - Event sequence number

Component - Charge component name

Charge Currency - Charge currency

Charge Amount - Computed charge amount

Waiver - If this box is checked, then charge will be waived.
Waiver
Check this box to waive the charge.
Charge Amount
System displays the calculated charge amount here. You can amend this, if required.
17-12
17.6.2
Viewing Events
Click on ‘Events’ button to invoke ‘Events’ screen.’
Reference Number
System displays the reference number here.
Events
System displays the following details under this section:

Event Number - Event sequence number

Event Date- Date of the event

Event Code - event code of the transaction

Description - event code description
17.7 PDC Summary Report
PDC Summary report displays the details of all the cheques discounted for an account.You
can generate report for post dated cheque details using ‘Customer Cheque Discounting
17-13
Report’ screen by typing ‘PDRCHDRF’ in the field at the top right corner of the Application tool
bar and clicking on the adjoining arrow button.
Specify the following details here:
Beneficiary Account
Specify the beneficiary account. The adjoining option list displays the list of all the valid
beneficiary accounts maintained in the system. You can choose the appropriate one.
Value Date
From Date
Enter the date from when you are generating this report.
To Date
Enter the date till when you are generating this report.
Click ‘OK’ button to generate the report. Click ‘Exit’ to return to the Reports Browser.
Body of the report
The generated report will have the following information:
Field Name
Field Description
Account No./Deposit No.
This indicates the TD account Number
Product code
This indicates the product code
Product description
This indicates the product description
Customer ID
This indicates the customer Id
Customer Name
This indicates the customer name
Cheque number
This indicates the cheque number
Discounted date
This indicates the discounted date
Cheque date
This indicates the cheque date
17-14
Field Name
Field Description
Cheque CCY
This indicates the cheque currency
Cheque amount
This indicates the cheque amount
Cheque Status
This indicates the cheque status
Drawer identification
This indicates the drawer identification
Drawer Name
This indicates the drawer name
Drawer bank code (for the
cheque)
This indicates the drawer bank code for the
cheque
Aggregation Fields
Field Name
Field Description
Total cheque amount
This indicates the total cheque amount
Total Number of cheque
This indicates the total number of cheque
17.8 Cheque Cancellation Report
Oracle FLEXCUBE generates a report that contains the details of cheques that are cancelled
and revised on a daily basis. This report is generated everyday during end of day operations.
17.8.1
Contents of the Report
The report contains the following details:
Header
Field Name
Field Description
Report Name
Report name
Bank Code / Bank Name
Bank code and bank name
Branch Code / Branch Name
Current branch code and branch name
Op ID
Current user
Report Run Date
Current system date
Report Run Time
Current system time
17-15
Body
Field Name
Field Description
Product Code
PDC Product
Account Number
Beneficiary account number
Account Name
Beneficiary account description
Cheque Purchase Number
Transaction reference number
Cheque Number
Instrument Number
Purchase Amount
Cheque amount; Purchase/discount will be done for
the entire amount
Currency
Currency of the instrument
Interest Amount
Interest Amount
(Interest will be applicable for cheques discounted only.
Interest will be computed from the purchase date till
the liquidation date)
SC Amount
Service charge amount
Clearing Transaction Reference Number
Outward clearing transaction reference number for pdc
purchased
Teller ID
Maker ID of the transaction
Authorizer ID
Checker ID of the transaction
Status
Cheque status
Reject Code
Reject code for cancellation
Reject Reason
Reject reason for cancellation
17.9 Interest Statement Report
Oracle FLEXCUBE facilitates generation of the Interest Statement Report for Customer
Accounts without liquidating the Customer Accounts.
You can generate Interest Statement Report for Customer Accounts using ‘Customer
Account Interest Statement’ screen. You can invoke this screen by typing ‘CARINSTM’ in the
17-16
field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
You can specify the following parameters here:
Branch Code
Specify a valid branch code in which the customer has an account. The adjoining option list
displays all valid and authorized Branch codes. You can select the appropriate one.
Customer Number
Specify a valid customer identification number. The adjoining option list displays all valid and
authorized customer identification numbers. You can select the appropriate one.
Account Number
Specify a valid customer account number for which you wish to generate the interest
statement report. The adjoining option list displays all valid, authorized savings and current
account numbers. You can select the appropriate one.
From Date
Specify the date from when you wish to generate the interest statement report for the
specified customer account, from the adjoining calendar.
To Date
Enter the date till when you wish to generate the interest statement report for the specified
customer account, from the adjoining calendar.
Note
‘To Date’ cannot be a future date
Contents of the Report
The report contains the following details:
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Header
Field Name
Field Description
Report Name
Report name
Bank Code / Bank Name
Bank code and bank name
Branch Code / Branch Name
Current branch code and branch name
Op ID
Current user
Report Run Date
Current system date
Report Run Time
Current system time
Body of the Report
The generated report will provide the following information:
Field Name
Field Description
Customer Number
Indicates the customer number
Account Number
Indicates the account number
Currency
Indicates the currency of the transaction
Name
Indicates the name of the customer
Product
Indicates the product for which the credit and debit
details are displayed
From Date
This indicates date from when the interest is computed
To Date
This indicates date till when the interest is computed
Interest Balance
Indicates the interest balance
Number of Days
This indicates number of days for which the interest is
computed
Interest Rate
This indicates interest rate based on which the interest
is computed
Amount
This indicates calculated interest amount
Total Credit Capitalized
Indicates the total credit capitalized
Total Debit Capitalized
Indicates the total debit capitalized
Total Tax Amount
This indicates the total tax amount over the interest
amount in the specified period
Note
If the customer account is linked to multiple products or formulae, then the interest statement displays the credit and debit interest details separately for that customer account.
17-18
17.10 Dormant Activated Report
An account is moved to Dormancy state in the absence of any customer initiated transaction,
in that account, for a period maintained at ‘Account Class Maintenance’ level. After a specific
period, the status will be changed to unclaimed deposit.
These accounts are activated, once the customer initiates a transaction. At the end of the
Dormant Activity, you can generate ‘Dormant Activated Report’ as part of EOD, which
summarizes the transaction in the dormant accounts. It is a report of dormant accounts which
were activated on that day. The accounts in this report are grouped based on the account
class and currency type of the account.
You can invoke ‘Dormant Activated Report’ screen by typing ‘STRDAEOD’ in the field at the
top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code for the Branch in which the customer has an account from the adjoining
option list.
Activated Date
Specify a valid date, when the dormant account was activated, from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. The other content displayed in the Dormant Activated Report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Branch
Indicates Branch Code and Branch Name
Module
The module from which the report was generated
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Field Name
Field Description
Run Date
Indicates Date on which report is generated
Run Time
The time at which the report was generated
User ID
Indicates User ID of the user who generated the report
Page No
The page number of the report
Body of the Report
The following details are displayed as body of the generated report, grouped by the product
code and currency:
Field Name
Field Description
Product Code
Indicates Account Class
Currency
Indicates Currency of the Account
The dormant details for each account class and currency are displayed in the report
Account
Indicates Customer Account
Account Name
Indicates Account Description
Day’s Credit Amount
Indicates Sum of Transaction Credit Amount for today in
Account Currency
Day’s Debit Amount
Indicates Sum of Transaction Debit Amount for today in
Account Currency
Book Balance
Indicates Book Balance
Dormancy Start Date
Indicates Dormancy Start Day
Dormant Days
Indicates Number of Dormant Days
Maker ID
Indicates Maker id of the Transaction
Checker ID
Indicates Checked Id of the transaction
Txn code
Indicates Transaction code of the Transaction
Txn Description
Indicates Transaction Description of the Transaction.
17.11 Stop Cheques Maintained Report
When a customer losses cheque leaf issued for a Savings or Current Accounts, the same is
informed to the respective branch. The corresponding branch updates these details in the
system to avoid paying-out of these cheques.
During EOD, you can generate ‘Stop Cheques Maintained Report’, which lists out all the stop
payment instruction carried out on that day. Stop cheques in this report are grouped based
on the account type.
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You can invoke ‘Stop Cheques Maintained Report’ screen by typing ‘STRSPEOD’ in the field
at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code for the Branch in which the customer has an account from the adjoining
option list.
From Date
Specify a valid date, from when the report is generated, from the adjoining calendar.
To Date
Specify a valid date, till when the report is generated, from the adjoining calendar.
Stop Payment Type
Select stop payment type for which you wish to generate the report from the adjoining dropdown list. This list displays the following values:

Cheque

Amount
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. The other content displayed in the Stop Cheques Maintained Report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Branch Date
Indicates the branch date
Branch
Indicates Branch Code and Branch Name
Run Date
Indicates Date on which report is generated
User ID
Indicates User ID
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Field Name
Field Description
Module
Indicates the module code
Run Time
Indicates the time on which the report is generated
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Number
Indicates Customer Account Number
Account Desc
Indicates Account description
Customer Id
Indicates Customer Id
Customer Name
Indicates Customer Short Name
Currency
Indicates Currency of the Account
Stop Payment Type
Indicates Stop Payment Type
Chq St No.
Indicates Cheque Start Number
Chq End No.
Indicates Cheque End Number
Amount
Indicates Cheque Amount
Stop Chq Date
Indicates Stop Cheque Date
Reason
Indicates Reason for Stop Payment
17.12 Post Dated Cheques Due Today Report
Branches collect PDC to ensure recovery and credit the customer accounts on the scheduled
date. These cheques are presented in the outward clearing on the agreed due date.
During EOD, you can generate ‘Post Dated Cheques Due Today Report’, which lists details
of all the PDC that were due and were cleared on that day. Transactions in this report are
grouped based on the Instrument and clearing type of the cheques. Report also provides a
Branch-wise presentation of cheques.
17-22
You can invoke the ‘Post Dated Cheques Due Today Report’ screen by typing ‘PDRDTTOD’
in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
You can specify the following parameters here:
Branch Code
Specify a valid code for the Branch in which the customer has an account from the adjoining
option list.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. The other content displayed in the Post Dated Cheques Due Today Report is as
follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code /
Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates Current Branch Date
Report Run Time
Indicates Current Branch Time
Branch Date
Indicates the date of Branch in which report is taken.
Page No
Displays Page No out of total No of pages in report.
17-23
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Instrument Type
Indicates PDC Type
Clearing Type
Indicates Clearing Product description of the PDC
Account No
Indicates Account Number (Beneficiary Account Number)
Acct. Name
Indicates Description of the Account if it is FCUBS
account. If it is not, then it is left blank
Bank Code
Indicates Bank Code of the Issuer
Cheque No
Indicates Cheque number
CCY
Indicates the Currency of the Transaction
Cheque Amount
Indicates Cheque Amount
Transaction Seq No.
Indicates Transaction Sequence No.
Deposit Date
Indicates Cheque Deposit Date
Instr. Date
Indicates Activation Date
Value Date
Indicates Value Date of the Cheque
Total Amount
(Branch)
Indicates the total amount
17.13 Inter-Branch Accounts Opened Today Report
Oracle FLEXCUBE provides customers a facility to open an account in the branch of their
choice. You can generate ‘Inter Branch Accounts Opened Today Report’ to enable the
branch, to have a control over all the accounts opened on other branches. This report lists the
accounts created by the Bank Staff, who have Multiple Branch Operational Rights. However,
the account branch and the Maker’s home branch should not be the same.
You can invoke the ‘Inter-Branch Accounts Opened Today Report’ screen by typing
‘STRIBRAC’ in the field at the top right corner of the Application tool bar and clicking on the
adjoining arrow button.
17-24
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
Date
Specify the date for which you wish to generate the report, from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Inter Branch Accounts Opened Today Report is as
follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Branch
Indicates Branch Code and Branch Name
Run Date
Indicates Date on which report is generated
Run Time
Indicates the time on which the report is generated
Module
The module from which the report is generated
User ID
Indicates User ID
Page No
The page number of the report
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch Code
Indicates Branch code of the Account
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Field Name
Field Description
Customer ID
Indicates Customer ID
Customer Short Name
Indicates Customer Short name
Account Class
Indicates Account Class of the Account
Account No
Indicates Account Number
Account Desc
Indicates Account description
Account Opening Date
Indicates Account Opening Date
17.14 Account Status Movement Report
You can maintain Account Status Movement conditions at the ‘Account Class’ level, based on
the conditions decided by your Bank and the compliance requirements of the Central Bank.
During EOD, based on these and the conduct of accounts, system automatically classifies the
assets on the daily basis. Based on this classification, system recognizes and provisions the
income.
You can generate ‘Account Status Movement Report’ to enable the branches to follow-up the
accounts so that the status of the accounts does not change to NPL status. This report lists
CASA accounts that have moved to status based on the Account Class type of the account.
You can invoke the ‘Account Status Movement Report’ screen by typing ‘STRCASTM’ in the
field at the top right corner of the Application tool bar and clicking on the adjoining arrow
button.
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
17-26
Account Number
Specify the account number for which the report has to be generated, from the adjoining
option list.
Account Status
Specify the status of the Account number from the adjoining option list.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Inter Account Status Movement Report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Branch Date
Indicates the branch date
Branch
Indicates Branch Code and Branch Name
Run Date
Indicates Date on which report is generated
User ID
Indicates User ID
Module
Indicates the module code
Run Time
Indicates the time on which the report is generated
Page No
The page number of the report
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Class
Indicates Account Class of the Account
Account Number
Indicates Account Number
Customer Id
Indicates Customer Number
Customer
Indicates Customer Short Name
Checker ID
Indicates Checker ID
No. of Days
Indicates Number of Days the account is in the current status
Account Status
Indicates Account Status
From Status
Indicates the Status from which the account moved to the current
status
17.15 Variances Maintained Today Report
When a customer opens an account, the system updates interest rates based on those
maintained at the Product level. However; branches can have an account level variance.
17-27
You can generate ‘Variances Maintained Today Report’ to inform branches about the
variances maintained for that day. This report lists details of CASA and TD accounts for which
the interest variances are maintained for the day. You can invoke the ‘Variances Maintained
Today Report’ screen by typing ‘STRSPCON’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Variances Maintained Today Report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Branch Date
Indicates the branch date
Branch
Indicates Branch Code and Branch Name
Run Date
Indicates Date on which report is generated
User ID
Indicates User ID
Module
Indicates the module code
Run Time
Indicates the time on which the report is generated
17-28
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Number
Indicates Account Number
Customer Id
Indicates Customer Number
Customer Name
Indicates Customer Short Name
Account Class
Indicates Account Class of the account
Product
Indicates Product used for account
Effective Date
Indicates Effective Date of new UDE values
UDE Value
Indicates new values of UDE
Note
Variance maintained for the TD accounts is displayed for the current day.
If the account is a CASA account, system will not display the variance maintained for the
current day. A back dated value has to provided as input parameter to view the variance
report for CASA accounts
17.16 Operating Instructions Not Captured Report
Oracle FLEXCUBE facilitates maintenance of operating instructions for a customer account.
If an operating instruction is maintained for an account, then while processing transactions
pertaining to that account the system validates the instructions.
You can generate ‘Operating Instructions Not Captured Report’ to list the accounts for which
the following operating instructions are not maintained:

Mode of operation

Account signatory details

Nominee details

Minor and guarantor details
17-29
You can invoke the ‘Operating Instructions Not Captured Report’ screen by typing
‘CAROPICT’ in the field at the top right corner of the Application tool bar and clicking on the
adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
Customer Type
Select customer type of the account for which you need to generate the report from the
adjoining drop-down list. This list displays the following values:

Individual – Select if the customer type is individual.

Corporate-Select if the customer type is Corporate

Bank-Select if the customer type is Bank

All
Customer Category
Specify a valid category of the customer for whose account you wish to generate a report,
from the adjoining option list.
Account Number
Specify a valid account number for which you wish to generate a report, from the adjoining
option list.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Operating Instructions Not Captured Report is as
follows:
17-30
Header
The following details are displayed in the header section:
Field Name
Field Description
Bank Code
Indicates Bank Code
Bank Name
Indicates Bank Name
Branch Code
Indicates Branch code
Branch
Indicates Branch Name
Run Date
Indicates Date on which report is generated
User ID
Indicates User ID
Run Time
Indicates the time on which the report is
generated
Body of the Report
The following details related to every customer are displayed as body of the generated report:
Field Name
Field Description
Customer Number
Indicates Customer Identification ID
Account Details
Account Number
Indicates Account Number
Account Description
Indicates Account Details
Account Open date
Indicates Account Opening Date
Mode of Operation
Indicates Operation Details
Signatory Details Maintained
Indicates Account Signature
Account Status
Status code
Indicates Status Code
Status description
Indicates Status Description
Minor Details
Is Minor
Indicates Customer Minor status
Guardian Name
Indicates Guardian Name
Nominee Name
Indicates Nominee Name
Maker ID
Indicates Maker ID
17-31
17.17 Minor Customer Details Report
Customer documentation standards for Minor Account are different from a regular Account.
Minor accounts are also restricted to certain classes of transactions based on the set-up
maintained at ‘Bank Parameters’ level.
You can generate ‘Minor Customer Details Report’ to view list of minor customers, which aid
the Bank while auditing and controlling the account. This report lists details of all Minor
Accounts available in the system for a given branch code, maturity type, days to attain age
and date of attaining the age.
You can invoke the ‘Minor Customer Details Report’ screen by typing ‘CARMICUS’ in the field
at the top right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated from the adjoining option
list.
No. of Days to Attain Maturity
Specify the number of days within which the Minor Account attains maturity.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Minor Customer Details Report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Bank
Indicates Bank Name
Branch
Indicates Branch Name
Run Date
Indicates Date on which report is generated
17-32
Field Name
Field Description
User Id
Indicates Operator ID
Run Time
Indicates Run Time
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Customer ID
Indicates Customer ID
Customer Name
Indicates Customer Name
Date of Birth
Indicates Date of Birth
Date of Maturity
Indicates Date of Maturity
Legal Guardian
Indicates Name of the guardian
Contact No
Indicates Contact Number
Status
Indicates Customer status
No of Days for maturity
Indicates the number of days for maturity
17.18 CASA-Overdraft Report
Oracle FLEXCUBE facilitates to view the overdraft accounts details in the system. The
overdraft account can be a current or saving account, which will have the limits attached.
Each limit will have the Limit amount, limit start and end date. You can generate ‘CASAOverdraft Report’ to view the operative overdraft limit and current outstanding for each
account. This report lists customer accounts which have the overdraft facility and limits that
are associated to them.
The transaction details are grouped based on the Account Class. You can invoke ‘CASAOverdraft Report’ screen by typing ‘CAROVDFT’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
17-33
You can specify the following parameters here:
Branch Code
Specify a valid code of the Branch in which report is being generated, from the adjoining
option list.
Account Number
Specify a valid account number maintained in the specified Branch for which you wish to
generate report, from the adjoining option list.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the CASA-Overdraft Report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Bank
Indicates Bank Name
Branch
Indicates Branch Name
Run Date
Indicates Date on which report is generated
User Id
Indicates Operator ID
Run Time
Indicates Run Time
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch Code
Indicates the branch code
Account Class
Indicates the account class
17-34
Field Name
Field Description
Customer ID
Indicates the customer identification number
Customer Name
Indicates the name of the customer
Account Number
Indicates Customer Account Number
Account Currency
Indicates the account currency
Book Balance
Indicates Account current balance
Line details for each account
Line Start Date
Indicates the line start date
Line Expiry Date
Indicates the line expiry date
Line Currency
Indicates Line Currency
Line Amount
Indicates Line Amount
Overdraft Start date
Indicates Temporary Over draft limit start date
Overdraft End Date
Indicates Temporary Over draft limit expiry date
OD Currency
Indicates Over draft currency
OD Limit
Indicates Temporary Over draft Limit in LCY
Latest Debit Date
Indicates Latest debit transaction date
Latest Credit Date
Indicates Latest credit transaction date
Latest Debit Txn
Indicates Latest debit transaction amount
Latest Credit Txn
Indicates Latest credit transaction amount
17.19 Insignificant Balance Dormant Account Report
If there are no customer initiated transactions for the period set at the product level, the CASA
account status will be changed to dormancy. After a specific period in the dormancy status,
the money is transferred to the unclaimed General Ledger account as decided by the bank. If
any of the accounts have a credit balance that is less than the amount specified in the dormant
status, then you can view details of these accounts in Insignificant Balance Dormant Account
Report. This report will generate a list of dormant accounts which have credit balances less
than the minimum amount.
This is a nil Balance Dormant Account Report for CASA Accounts. Accounts are grouped
based on the product type. You can invoke ‘Insignificant Balance Dormant Account Report’
screen by typing ‘CARDORAC’ in the field at the top right corner of the Application tool bar
and clicking on the adjoining arrow button.
17-35
You can specify the following parameters here:
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Insignificant Amount
Specify the insignificant amount balance available in the account for which the report is being
generated.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the Insignificant Balance Dormant Account Report is as
follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Bank
Indicates Bank Name
Branch
Indicates Branch Name
Run Date
Indicates Date on which report is generated
User Id
Indicates Operator ID
Run Time
Indicates Run Time
17-36
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Product
Indicates the product
Account Number
Indicates the account number
Customer No
Indicates the customer number
Customer Name
Indicates Customer Name
Maker Id
Indicates Maker Id
Dormancy Date
Indicates Account dormant date
Dormant Days
Indicates Dormancy days
Available balance
Indicates Account available balance
17.20 CRR Movement Report
Credit Risk Rating (CRR) is analysed by Oracle FLEXCUBE Retail, to determine whether an
asset is a performing asset or not. The bank can be track either at customer level or at account
level based on preferences maintained by the system. You can generate ‘CRR Movement
Report’ with details of status change.
You can invoke ‘CRR Movement Report’ screen by typing ‘ACRSTMOV’ in the field at the top
right corner of the Application tool bar and clicking on the adjoining arrow button.
You can specify the following parameters here:
Branch Code
Select Branch code for which you want to generate the report from the options. The following
options are available for selection:

All – Select if you want to generate the report for all the branch codes.
17-37

Specific – Select if you want to generate the report for a specific code.
If you have selected specific, specify a valid branch code for which you want to generate
the report, from the adjoining option list.
Status
Select status for which you want to generate the report from the options. The following options
are available for selection:

All – Select if you want to generate the report for all status types.

Specific – Select if you want to generate the report for a specific status.
If you have selected specific, specify a valid transaction code for which you want to generate the report, from the adjoining option list.
Status Change Type
Select a valid type of status change for which you want to generate the report, from the
adjoining drop-down list. This list displays the following values:

CASA – Select if you want to generate report for CASA accounts.

Loans – Select if you want to generate report for Loan accounts.

All – Select if you want to generate report for Loan accounts.
From Date
Specify a valid date from when you wish to generate the interest accrual report from the
adjoining calendar.
To Date
Specify a valid date till when you wish to generate the interest accrual report from the
adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the ‘CRR Movement Report’ is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Bank Code / Bank Name
Indicates Bank code and Bank Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
Report Run Date
Indicates Current Branch Date
Report Run Time
Indicates Current Branch Time
Op Id
Indicates Logged in user
From Date
Indicates Date captured as start date
To Date
Indicates Date captured as end date
17-38
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Module
Indicates ‘ST’ for CASA Accounts, ‘CL’ for Loan Accounts,
‘CI’ for Islamic Financing, ‘LE’ for leasing, and ‘MO’ for Mortgages
Customer Number
Indicates Customer Number
Customer Name
Indicates Customer Name
Account Number
Indicates CASA Loan Account Number
Customer Previous CRR
Indicates Previous CIF Status
Customer Current CRR
Indicates Current CIF Status
Account Previous Status
Indicates,
Account Current Status
Status Change Date
Previous
Account status for CASA accounts
Previous
loan status for Loan accounts
Indicates,
Current
Account status for CASA accounts
Current
loan status for loan accounts
Indicates,
Status
change date for CASA accounts
Effective
Available Balance/Outstanding Balance
date for Loan accounts
Indicates,
Available
Balance in case of CASA accounts
Outstanding
CCY
balance in case of Loan accounts
Indicates,
Account
Loan
currency for CASA Accounts
currency for Loan Accounts
17.21 VAT Deduction Report
Oracle FLEXCUBE generates a report that contains the details of VAT deduction from CASA
account for every branch on a monthly basis. For generating this report, the following
conditions should be met:

‘Charge 1’ needs to be defined as service charge and ‘Charge 2’ as VAT.

If VAT needs to be computed based on the service charge, ‘Charge 1’ must be the basis
for ‘Charge 2’.

If ‘Charge 3’ is defined as another service charge and VAT needs to be computed on
this charge, then ‘Charge 4’ must be defined as VAT with ‘Charge 3’ as the basis.
You can use the UDF ‘TRNCODE_TYPE’ to define the type of charge vs. VAT, service charge
or other charge.
17-39
The VAT deduction report is generated during end of day operations at the month end, based
on the following parameters.

Branch Code

VAT Deducted Date
Based on the above details, the system generates the report.
17.21.1 Contents of the Report
The report contains the following details:
Header
Field Name
Field Description
Report Name
Report name
Bank Code / Bank Name
Bank code and bank name
Branch Code / Branch Name
Current branch code and branch name
Report Run Date
Current branch date
Report Run Time
Current branch time
Body
Field Name
Field Description
Product Code
Product code
Product Name
Product description
Currency
Account currency
Account Number
Account number
Customer Name
Customer short name
SC - Basis
Service charge rule method will be provided
[Percentage / Fixed Amount]
Fixed Amount or Rate
SC - Applicable
Percentage or fixed amount applicable for service
charge
[Percentage / Fixed Amount]
Service Charge
Service charge in local currency
VAT - Basis
VAT Rule Method will be provided
[Percentage / Fixed Amount]
Fixed Amount or Rate
VAT - Applicable
Percentage or Fixed Amount applicable
[Percentage / Fixed Amount]
VAT Deducted
VAT in local currency
Transaction Reference Number
Reference number of the transaction
17-40
17.22 Customer De-duplication Report
Oracle FLEXCUBE generates a report that contains the details of the duplicate Customers
based on De-duplication rule condition maintained in the system. To invoke ‘Duplicate
Customer List’ screen, type ‘STRPDEDP’ in the field at the top right corner of the Application
toolbar and click the adjoining arrow button.
Branch Code
Specify the branch code for which you want to generate the report of the duplicate customers.
17.22.1 Contents of the Report
The report contains the following details.
Header
Field Name
Field Description
Branch Code / Branch
Name
Branch Code, All option can be selected if the report needs to
be for all the branches
Dedup Rule Condition
Parameter based on which the de-duplication validation is
done
17-41
Body
Field Name
Field Description
Customer Number
Customer Id of the duplicate customers
Customer Type
Type of the customer for the which the duplicate id is found
Short Name
Short name
SSN
Social Security Number of the customer
Full Name
Full name
17.23 Account Opened and Activated Report
You can generate Account Activated Report using ‘Account Opened and Activated Report’
screen. You can invoke this screen by typing ‘CARPAACC’ in the field at the top right corner
of the Application tool bar and clicking on the adjoining arrow button.
Branch Code
You can generate this report for all the branches or a single branch alone. You can indicate
the branch for which the report is being generated using the following options:

All – If you choose this, the system will generate the report for all the branches.

Single – If you choose this, you need to specify the branch code for which the report
should be generated. The option list displays all valid branch codes maintained in the
system. Choose the appropriate one.
Date Range
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
17-42
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
Report Run Time
Indicates the time of report generation
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Category
Indicates the category
Branch Code
Indicates the branch code
Branch Name
Indicates the name of the branch
Customer Account
Indicates customer account
Customer Name
Indicates customer name
Account Open Date
Indicates the date when the account was opened
Account Type
Indicates the type of account
Currency
Indicates the account currency
RM Code
Indicates the relationship manager code
Passport/Licence Number
Indicates the passport or license number
Maker
Indicates the name of the maker of the record
Maker Date
Indicates the date when the record was created
Checker
Indicates the name of the checker who authorized the
record
Checker Date
Indicates the date on which the record was authorized
17-43
17.24 Account Block and Reason Report
You can generate Account Blocked Report using ‘Account Block and Reason Report’ screen.
You can invoke this screen by typing ‘CARPACCB’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
Branch Code
You can generate this report for all the branches or a single branch alone. You can indicate
the branch for which the report is being generated using the following options:

All – If you choose this, the system will generate the report for all the branches.

Single – If you choose this, you need to specify the branch code for which the report
should be generated. The option list displays all valid branch codes maintained in the
system. Choose the appropriate one.
Hold Code
The system allows to generate the amount block report based on hold code criteria.
Date Range
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
17-44
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
Report Run Time
Indicates the report generation time
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch
Indicates the branch code
Branch Name
Indicates the name of the branch
Account Number
Indicates the customer account number
Currency
Indicates the account currency
Amount Block
Number
Indicates the amount block number
Hold Code
Indicates the hold code
Customer Name
Indicates the name of the customer
Maker
Indicates the maker ID of the record
Maker Date
Indicates the date when the record was created
Checker
Indicates the checker ID of the record
Checker Date
Indicates the date on which the record was authorized
Blocked Date
Indicates the blocked date
Expiry Date
Indicates the date of expiry of Block
Amount
Indicates the blocked amount
Reason
Indicates the reason of Block
17.25 Account Closure and Reason Report
You can generate Account Closure Report using ‘Account Closure and Reason Report’
screen. You can invoke this screen by typing ‘CARPACCL’ in the field at the top right corner
of the Application tool bar and clicking on the adjoining arrow button.
17-45
Branch Code
You can generate this report for all the branches or a single branch alone. You can indicate
the branch for which the report is being generated using the following options:

All – If you choose this, the system will generate the report for all the branches.

Single – If you choose this, you need to specify the branch code for which the report
should be generated. The option list displays all valid branch codes maintained in the
system. Choose the appropriate one.
Date Range
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
17-46
Field Name
Field Description
Report Run Time
Indicates time of report generation
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch Code
Indicates the branch code
Branch Name
Indicates the name of the branch
Closure Date
Indicates the closure date of the Account
Account Number
Indicates the customer account number
Account Currency
Indicates the account currency
Customer Name
Indicates the name of the customer
Accrued Profit Amount
Indicates the accrued profit amount
Account Current Balance
Indicates the current account balance
Reason
Indicates the reason of the closure
Approved By
Indicates by whom the account closure is approved
Maker ID
Indicates the Maker ID of the record
Checker ID
Indicates the Checker ID who authorized the record
17.26 Account Open or Close Report
You can generate Account Open or Closure Report using ‘Account Open or Close Report’
screen. You can invoke this screen by typing ‘CARPAOCR’ in the field at the top right corner
of the Application tool bar and clicking on the adjoining arrow button.
17-47
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
Report Run Time
Indicates the time of report generation
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Number
Indicates the customer account number
Short Name
Indicates the short name of the customer
Full Name
Indicates the full name of the customer
Currency
Indicates the account currency
Current Balance
Indicates the current account balance
Account Officer Code
Indicates the code of the account officer
17-48
Maker ID
Indicates the identification of the maker of the record
Maker Date Stamp
Indicates the date and time when the record was created
Checker ID
Indicates the identification of the checker who authorized the
record
Checker Date Stamp
Indicates the date and time on which the record was authorized
17.27 Passbook Details
You can generate Passbook Details Report using ‘Passport Details’ screen. You can invoke
this screen by typing ‘CARPASBK’ in the field at the top right corner of the Application tool bar
and clicking on the adjoining arrow button.
Branch
Specify the branch of the account.
Account
Specify the account number.
Account Description
Give a brief description on the account.
Passbook Number
Specify the passbook number.
Status
Specify the status of the passbook.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
17-49
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates Current System Date
Report Run Time
Indicates Current System Time
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Number
Indicates the customer account number
Account Description
Gives a brief description on the account
Passbook Number
Indicates the number of the passbook
Passbook Status
Indicates the status of the passbook
Issue date
Indicates the date when passbook was issued
Status
Indicates the status of the passbook
Status Change Date
Indicates the status change date
Charge Component
Indicates the charge component
Charge Amount
Indicates the charge amount
Charge Currency
Indicates the charge currency
Charge Amount in Local Currency
Indicates the charge amount in local currency
Exchange Rate Used
Indicates the exchange rate used
17.28 Account Balance List Report
You can generate Account Balance Report using ‘Account Balance List Report’ screen. You
can invoke this screen by typing ‘CARPBALC’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
17-50
Branch Code
You can generate this report for all the branches or a single branch alone. You can indicate
the branch for which the report is being generated using the following options:

All – If you choose this, the system will generate the report for all the branches.

Single – If you choose this, you need to specify the branch code for which the report
should be generated. The option list displays all valid branch codes maintained in the
system. Choose the appropriate one.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Date
Indicates the branch open date
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
Report Run Time
Indicates time of report generation
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Number
Indicates the account number
17-51
Short Name
Indicates the short name of the customer
Full Name
Indicates the full name of the customer
Currency
Indicates the account currency
Current Balance
Indicates the currenct balance
Unclear balance
Indicates the unclear balance of the account
Hold
Indicates the amount on hold
Available balance
Indicates the available balance of the account
17.29 Customer Limit Position Tracking Report
You can generate Customer Limit Position Report using ‘Customer Limit Position Tracking
Report’ screen. You can invoke this screen by typing ‘CARPCSLM’ in the field at the top right
corner of the Application tool bar and clicking on the adjoining arrow button.
Liability ID Option
Select the liability Id from the following options:

All

Single
Liability Number
Select the liability number from the adjoining option list, if the liability id option is selected as
‘Single’.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
17-52
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
Branch Date
Indicates the branch open date
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
Report Run Time
Indicates the time of report generation
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Level
Indicates the level of the record
Liability ID
Indicates the liability ID
Line ID
Indicates the Line ID
Main Line
Indicates the Main Line
Group Name
Indicates the name of the group
Availability Flag
Indicates whether the line is available or not
Line Currency
Indicates the currency of the line
Limit Amount
Indicates the limit amount of the line
Start Date
Indicates the start date of the line
Available Amount
Indicates the amount available for the line
Expiry Date
Indicates the expiry date of the line
Utilization Amount
Indicates the amount utilized from the line
17.30 All Dormant Account Report
You can generate Dormant Account Report using ‘All Dormant Account Report’ screen. You
can invoke this screen by typing ‘CARPDACC’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
17-53
Branch Code
You can generate this report for all the branches or a single branch alone. You can indicate
the branch for which the report is being generated using the following options:

All – If you choose this, the system will generate the report for all the branches.

Single – If you choose this, you need to specify the branch code for which the report
should be generated. The option list displays all valid branch codes maintained in the
system. Choose the appropriate one.
Date Range
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
Report Run Time
Indicates the time of report generation
17-54
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch
Indicates the branch code
Branch Name
Indicates the name of the branch
RM Code
Indicates the relationship manager code
Account Number
Indicates customer number
Currency
Indicates the account currency
Full Name
Indicates the full name of the customer
Passport
Indicates the passport
Dormancy Date
Indicates the date of dormancy of the account
Dormancy Status
Indicates the status of dormancy
Account Opened Date
Indicates the date when the account was opened
Last Dr Activity
Indicates the last debit activity date
Last Cr Activity
Indicates the last credit activity date
17.31 Debit Card Issued Report
You can generate Debit Card Issuance Report using ‘Debit Card issued Report’ screen. You
can invoke this screen by typing ‘CARPDCRD’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
17-55
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates date on which the report was generated
Report Run Time
Indicates time of report generation
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Number
Indicates the customer account number
Full Name
Indicates the full name of the customer
Currency
Indicates the account currency
Name on the Card
Indicates the name on the card
Expiry Date
Indicates the expiry date of the card
MIS Code
Indicates the MIS Code
Maker ID
Indicates the identification of the maker of the record
Maker Date Stamp
Indicates the date and time when the record was created
Checker ID
Indicates the identification of the checker who authorized the
record
Checker Date Stamp
Indicates the date and time when the record was authorized
17.32 New Minor Account Report
You can generate New Minor Account Report using ‘New Minor Account Report’ screen. You
can invoke this screen by typing ‘CARPMACC’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
17-56
Branch Code
You can generate this report for all the branches or a single branch alone. You can indicate
the branch for which the report is being generated using the following options:

All – If you choose this, the system will generate the report for all the branches.

Single – If you choose this, you need to specify the branch code for which the report
should be generated. The option list displays all valid branch codes maintained in the
system. Choose the appropriate one.
Date Range
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates the date on which the report was generated
Report Run Time
Indicates time of generation of the report
17-57
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch
Indicates the branch code
Branch Name
Indicates the name of the branch
CIF Number
Indicates the customer number
Account Number
Indicates account number
Account Type
Indicates the type of account
Account Currency
Indicates the account currency
Customer Name
Indicates customer name
Account Open
Date
Indicates the date when the account was opened
Customer DOB
Indicates the date of birth of the customer
Maker
Indicates the Identification of the maker of the
record
Maker Date
Indicates the date when the record was created
Checker
Indicates the Identification of the checker who
authorized the record
Checker Date
Indicates the date on which the record was authorized
17.33 Non Resident Account Report
You can generate Non Resident Account Report using ‘Non Resident Account Report’
screen. You can invoke this screen by typing ‘CARPNRAC’ in the field at the top right corner
of the Application tool bar and clicking on the adjoining arrow button.
17-58
Branch Code
Specify the branch code from the adjoining option list.
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates date on which the report was generated
Report Run Time
Indicates time of report generation
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch Code
Indicates the branch code
17-59
Branch Name
Indicates the name of the branch
Account Number
Indicates the account number
Account Open Date
Indicates the date when the account was opened
Account Type
Indicates the type of account
Account Currency
Indicates the account currency
Customer Name and RM Code
Indicates customer name and Relationship Manager
Code
Nationality
Indicates the nationality of the customer
Residing Country
Indicates the country where the customer resides
Customer Identification and
Details
Indicates the customer identification and detials
Maker ID & Date
Indicates the Identification of the maker and date of
creation of the record
Checker Id & Time
Indicates the Identification of the checker who authorized the record and date of authorization
17.34 Document Checklist Report
You can generate a report of document checklist using ‘Document Checklist’ screen. You can
invoke this screen by typing ‘STRDOCL’ in the field at the top right corner of the Application
tool bar and clicking on the adjoining arrow button.
Branch Code
Specify the branch code from the adjoining option list.
Document Status
Select the status of the document from the adjoining drop down list.
17-60
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates Current System Date
Report Run Time
Indicates Current System Time
Page No
The page number of the report
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Branch Code
Indicates the branch code
Customer Number
Indicates the customer number
Customer Name
Indicates customer name
Customer Account Number
Indicates the account number of the customer
Document Type
Indicates the type of document
Expiry Date
Indicates the expiry date
Expected Date Submission
Indicates the expected date of submission
Actual Submission Date
Indicates the actual submission date
17.35 Customer Account Branch Transfer Report
You can generate CASA branch transfer report using ‘CASA Branch Transfer Report’ screen.
You can invoke this screen by typing ‘STRFRCAS’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
17-61
Previous Branch Code
Specify the previous branch code from the adjoining option list.
Current Branch Code
Specify the current branch code from the adjoining option list.
Transferred Date
Specify the date of transfer of the branch.
Account Class
Specify the account class from the adjoining option list.
Customer No
Specify the customer number from the adjoining option list.
Customer Account No
Specify the customer account number from the adjoining option list.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates Current System Date
17-62
Report Run Time
Indicates Current System Time
Page No
The page number of the report
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Customer Account Number
Indicates the account number of the customer
Current Branch
Indicates the current branch code
Previous Branch
Indicates the previous branch
Transferred Date
Indicates the transferred date
Account Class
Indicates the account class
Customer Number
Indicates the customer number
Customer Name
Indicates customer name
17.36 Customer Cheque Discounting Report
You can generate Cheque Discounting Report using ‘Customer Cheque Discounting Report’
screen. You can invoke this screen by typing ‘PDRCHDRF’ in the field at the top right corner
of the Application tool bar and clicking on the adjoining arrow button.
Beneficiary Account
Specify the beneficiary account from the adjoining option list.
Date Range
From Date
Specify a valid date from when you wish to generate the report from the adjoining calendar.
17-63
To Date
Specify a valid date till when you wish to generate the report from the adjoining calendar.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Module
Indicates the Module of the Report
Report Run Date
Indicates Current System Date
Report Run Time
Indicates Current System Time
17.37 Cancelled or Rejected Report
You can generate Cancelled or Rejected Report using ‘Cancelled or Rejected Report’ screen.
You can invoke this screen by typing ‘CORRJDD’ in the field at the top right corner of the
Application tool bar and clicking on the adjoining arrow button.
Report Date
Specify the report date from the adjoining calendar
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
17-64
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Branch Date
Indicates the date of Branch in which report is taken
Page No
Displays Page No out of total No of pages in report
Module
Indicates the Module of the Report
Report Run Date
Indicates Current System Date
Report Run Time
Indicates Current System Time
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Number of Cheques Cancelled
Indicates the number of cheques cancelled
MC Number
Indicates the MC Number
Date of Booking
Indicates the date of booking
Amount
Indicates the amount
Customer Name
Indicates customer name
Beneficiary Name
Indicates the name of the beneficiary
Branch Code
Indicates the branch code
Processor ID
Indicates the processor identification number
Authorizer ID
Indicates the authorizer ID
17.38 Large Debit Balance Report
You can generate this EOD Report at branch level for all CASA accounts with large debit
balances. The report enlists all CASA accounts that have debit balance equal to or more than
the threshold value maintained. The Report also displays the currency wise threshold value
maintained for the account class of the CASA account.
For further details on report parameter and batch maintenances, refer to the Reports User
Manual.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
17-65
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Branch Date
Indicates the date of Branch in which report is taken
Page No
Displays Page No out of total No of pages in report
Module
Indicates the Module of the Report
Report Run Date
Indicates Current System Date
Report Run Time
Indicates Current System Time
Body of the Report
The following details are displayed as body of the generated report:
Field Name
Field Description
Account Class
Indicates the account class
Currency
Indicates the currency of the transaction
Threshold Amount
Indicates the threshold amount
Account Number
Indicates the account number
Account Name
Indicates the account name
Customer ID
Indicates the customer ID
Customer Name
Indicates the name of the customer
Customer Telephone No
Indicates the customer telephone number
Available Balance
Indicates the available balance
17-66
17.39 Ad-Hoc Combined Statement
You can generate ad-hoc combined statement through ‘Ad-Hoc Combined Statement’
screen.You can invoke this screen by typing ‘STDCDSMT’ in the field at the top right corner
of the Application tool bar and clicking on the adjoining arrow button.
Customer No
Select the customer number from the adjoining option list.
Customer Name
The system displays the customer name.
Statement ID
Select the statement ID from the adjoining option list.
Balance
You can select the balance to view based on the book date or value date.
Based on Date Range
From Date
Specify the from date for the combined statement generation.
To Date
Specify the to date for combined statement generation.
Print Options
You can print, view or spool the statement.
Apply Online Charges
Check this box to indicate that the charges needs to be applied to generate the ad-hoc
account statement.
Send to Customer
Check this box to send the statement to the customer.
17-67
Processing Ad-Hoc Combined Statement
You can process the ad-hoc combined statement by doing the following:

Select the customer for which ad-hoc account statement needs to be generated..

Select the plan ID maintained for the customer.

Specify the date range. If date range is not specified then the system generates report
for the current date only.

Check ‘Send to Customer’, if the statement should be sent to the customer. You can
view, print or spool the message based on the option selected.

If the 'Send to Customer' is not checked, then the generated statement can only be
viewed, spooled or printed. The message will not be available in outgoing browser.

Specify if charge needs to be applied on the statement generation. The actual accounting entries for the charge is processed only on the click of OK button of the Ad hoc
screen.

‘Reports’ button is provided for processing the reports.

Statement is generated for all the accounts maintained in the statement plan.
17.39.1 Charge Details
You can view the online charges computed for the generation of the combined statement
through the Charges screen. If the charge needs to be waived, 'Apply Online Charge' in the
main screen should be unchecked You can invoke this screen by clicking ‘Charges’ on the
‘Ad-Hoc Combined Statement’ screen.
The system displays the following details in the charges screen:

Reference No

Event Sequence Number

Component

Charge Account

Account Description

Amount

Currency

Waiver
17-68
Note
The following maintenances are necessary for the online charge calculation:
–
Create an RT product.
–
Map the RT product to the ARC maintenance screen.
–
Maintain the combination in Online Charge Product Maintenance screen.
17.39.2 Combined Statement Generation Report
You can generate Combined Statement Report using ‘Combined Statement Report’ screen.
Customer No
The system displays the customer number.
Statement ID
The system displays the statement ID.
Contents of the Report
The parameters specified while generating the report are printed at the beginning of the
report. Other content displayed in the report is as follows:
Header
The following details are displayed in the header section:
Field Name
Field Description
Report Name
Indicates Report Name
Branch Code / Branch Name
Indicates Current Branch code and Branch Name
User ID
Indicates the Identification of the User
Branch Date
Indicates the date of Branch in which report is taken
Page No
Displays Page No out of total No of pages in report
17-69
Module
Indicates the Module of the Report
Report Run Date
Indicates Current System Date
Report Run Time
Indicates Current System Time
Customer Name
Indicates the name of the customer
Customer Address
Indicates the address of the customer
Account Summary Details
Indicates the summary details for CASA, TD and CL
Body of the Report
The body of the report displays:

Current And Savings Account Activity Summary

Deposit Account Activity Summary

Loan Accounts Activity Summary

Detailed CASA Account Activity Statement

Detailed Deposit Account Activity Statement

Detailed Loan Accounts Activity Statement
17.40 Customer Change Report
You can generate a report that contains the details of primary party changes made in the
system using ‘Customer Change Report’ screen. To invoke this screen, type ‘STRCUSCH’ in
the field at the top right corner of the application toolbar and click the adjoining arrow button.
Specify the following details:
Branch Code
Specify the branch code for which you need to generate the report. The report will contain the
details of the customer changes specific to the selected branch.
if you do not specify the branch code, the report will contain primary party changes happened
in the system across all branches.
17-70
Account
Specify the account number whose details should be available in the report. The report will
contain details pertaining to the customer changes happened on the selected account. If you
do not specify the account number, the report will contain the details of the primary party
changes happened in all the accounts in the selected branch.
Account Description
The system displays the account description based on the account selected.
From Date
Specify the start date of the report period. This can be the ‘To date’ or a date prior to that. By
default, the system displays the current date.
To Date
Specify the end date of the report period. This can be the ‘From date’ or a date later than that.
By default, the system displays the current date.
17.40.1 Contents of the Report
The report contains the following details:

Branch

Account

Account Description

Old Customer Id

Old Customer Name

New Customer Id

New Customer Name

Remarks

Maker Id

Checker Id

Checker Date Stamp

Verifier Id
17-71
18. Glossary
18.1 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.
18-1
19. Annexure A
19.1 Introduction
This section details format of ‘PD_PDC_CAN’ message.
19.2 Format of PD_PDC_CAN Message Type
The following is the format of ‘PD_PDC_CAN’ message type:
Date:02-Feb-2010
Drawee Bank:Citi Bank
Branch:M G Road
Customer Account Number:123456789
Cancellation details:
Cheque NoStatus
524163Cancelled
524164Cancelled
524165Cancelled
524166Cancelled
524167Cancelled
524168Cancelled
‘The above said Cheques has been cancelled’
19-1
20. Annexure B - Accounting Entries
20.1 Accounting Entries and Advices for CASA
This Annexure lists the suggested event-wise accounting entries that can be set up, for the
Interest and Charge product applicable for the CASA module of Oracle FLEXCUBE.
20.2 Events
You need to set up the following events for an Interest product:
Event Code
Event Description
ILIQ
Interest Liquidation
IACR
Interest Accruals
UDCH
UDE Values Change
CDIS
Cheque Discount
You need to set up the following events for a Charge product:
Event Code
Event Description
CLIQ
Charge Liquidation
20.3 Amount Tags
The following amount tags are available:
Amount Tags
Description
IACR
Interest Accrued
CHARGE
Charge Accrued
IACQUIRED
IACR_ADJ
Interest Accrual Adjustment
ILIQ
Interest liquidation
TAX
Tax Accrual
TAX_ADJ
Tax Adjustment
20.4 Accounting Roles
Accounting roles for CASA are defaulted by FLEXCUBE in a following manner:
‘SAXX’ - ‘accounting role type’ – ‘X’
20-1
SAXX represents the IC rule ID you have maintained and attached to the particular IC
product. This is based on your own convention. Accounting role type is for example the
accrual, P/L, or tax payment. For creation of role type system uses standard abbreviations
across FLEXCUBE. ‘X’ is a number which is the number of the formula for which the
accounting role is created.
If you have maintained more than one formula at rule level FLEXCUBE will default accounting
roles for each of your accounting roles
For Example, SAAB-ACCR-1 = accounting role for accrual pertaining to SAAB product,
formula #1. (for example credit interest accrual which was defined in formula 1.) SAAB-PNL2 = accounting role for income or expense booking pertaining to SAAB product, formula #2.
(for example debit interest posting against income GL). You should select the appropriate
accounting role on the “Role to head mapping” tab. Note: SAXX-BOOK-X represents the
settlement account where the amount is credited or debited against P/L account. This role cannot
attached to any GL on “Role to head mapping” screen but it is used while event-wise entries are
maintained.
Accounting roles for Sample IC Product with rule ID like CHAV are given below:
The following accounting roles are available:
Accounting Role
Description
CHAV-ACQUIRED-1
CHAV ACQUIRED INTEREST - FORMULA 1
CHAV-PNL_ADJ-1
CHAV PNL - ADJ - FORMULA 1
CHAV-PNL-1
CHAV INCOME/EXPENSE A/C - FORMULA 1
CHAV-TPBL_ADJ-2
CHAV TAX PAYABLE A/C - FORMULA 2
CHAV-TPBL-2
CHAV TAX PAYABLE A/C - FORMULA 2
CHG_INCOME
CHARGES INCOME
DORM-ACQUIRED-1
DORM ACQUIRED INTEREST - FORMULA 1
DORM-PNL_ADJ-1
DORM PNL - ADJ - FORMULA 1
DORM-PNL-1
DORM INCOME/EXPENSE A/C - FORMULA 1
IBSR-ACCR-1
IBSR ACCRUAL A/C - FORMULA 1
IBSR-ACCR-2
IBSR ACCRUAL A/C - FORMULA 2
IBSR-ACQUIRED-1
IBSR ACQUIRED INTEREST - FORMULA 1
IBSR-ACQUIRED-2
IBSR ACQUIRED INTEREST - FORMULA 2
IBSR-ACR_ADJ-1
IBSR ACR - ADJ - FORMULA 1
IBSR-ACR_ADJ-2
IBSR ACR - ADJ - FORMULA 2
IBSR-PNL_ADJ-1
IBSR PNL - ADJ - FORMULA 1
IBSR-PNL_ADJ-2
IBSR PNL - ADJ - FORMULA 2
IBSR-PNL-1
IBSR INCOME/EXPENSE A/C - FORMULA 1
IBSR-PNL-2
IBSR INCOME/EXPENSE A/C - FORMULA 2
20-2
Accounting Role
Description
IBSR-TPBL_ADJ-3
IBSR TAX PAY ADJ A/C - FORMULA 3
IBSR-TPBL-3
IBSR TAX PAYABLE A/C - FORMULA 3
IOCC-ACCR-1
IOCC ACCRUAL A/C - FORMULA 1
IOCC-ACCR-2
IOCC ACCRUAL A/C - FORMULA 2
IOCC-ACQUIRED-1
IOCC ACQUIRED INTEREST - FORMULA 1
IOCC-ACQUIRED-2
IOCC ACQUIRED INTEREST - FORMULA 2
IOCC-ACR_ADJ-1
IOCC ACR - ADJ - FORMULA 1
IOCC-ACR_ADJ-2
IOCC ACR - ADJ - FORMULA 2
IOCC-PNL_ADJ-1
IOCC PNL - ADJ - FORMULA 1
IOCC-PNL_ADJ-2
IOCC PNL - ADJ - FORMULA 2
IOCC-PNL-1
IOCC INCOME/EXPENSE A/C - FORMULA 1
IOCC-PNL-2
IOCC INCOME/EXPENSE A/C - FORMULA 2
IOCC-TPBL_ADJ-3
IOCC TAX PAY ADJ A/C - FORMULA 3
IOCC-TPBL-3
IOCC TAX PAYABLE A/C - FORMULA 3
IOCM-ACCR-1
IOCM ACCRUAL A/C - FORMULA 1
IOCM-ACCR-2
IOCM ACCRUAL A/C - FORMULA 2
IOCM-ACQUIRED-1
IOCM ACQUIRED INTEREST - FORMULA 1
IOCM-ACQUIRED-2
IOCM ACQUIRED INTEREST - FORMULA 2
IOCM-ACR_ADJ-1
IOCM ACR - ADJ - FORMULA 1
IOCM-ACR_ADJ-2
IOCM ACR - ADJ - FORMULA 2
IOCM-PNL_ADJ-1
IOCM PNL - ADJ - FORMULA 1
IOCM-PNL_ADJ-2
IOCM PNL - ADJ - FORMULA 2
IOCM-PNL-1
IOCM INCOME/EXPENSE A/C - FORMULA 1
IOCM-PNL-2
IOCM INCOME/EXPENSE A/C - FORMULA 2
IOCP-ACCR-1
IOCP ACCRUAL A/C - FORMULA 1
IOCP-ACCR-3
IOCP ACCRUAL A/C - FORMULA 3
IOCP-ACQUIRED-1
IOCP ACQUIRED INTEREST - FORMULA 1
IOCP-ACQUIRED-3
IOCP ACQUIRED INTEREST - FORMULA 3
IOCP-ACR_ADJ-1
IOCP ACR - ADJ - FORMULA 1
IOCP-ACR_ADJ-3
IOCP ACR - ADJ - FORMULA 3
20-3
Accounting Role
Description
IOCP-PNL_ADJ-1
IOCP PNL - ADJ - FORMULA 1
IOCP-PNL_ADJ-3
IOCP PNL - ADJ - FORMULA 3
IOCP-PNL-1
IOCP INCOME/EXPENSE A/C - FORMULA 1
IOCP-PNL-3
IOCP INCOME/EXPENSE A/C - FORMULA 3
IOSR-ACCR-1
IOSR ACCRUAL A/C - FORMULA 1
IOSR-ACCR-2
IOSR ACCRUAL A/C - FORMULA 2
IOSR-ACQUIRED-1
IOSR ACQUIRED INTEREST - FORMULA 1
IOSR-ACQUIRED-2
IOSR ACQUIRED INTEREST - FORMULA 2
IOSR-ACR_ADJ-1
IOSR ACR - ADJ - FORMULA 1
IOSR-ACR_ADJ-2
IOSR ACR - ADJ - FORMULA 2
IOSR-PNL_ADJ-1
IOSR PNL - ADJ - FORMULA 1
IOSR-PNL_ADJ-2
IOSR PNL - ADJ - FORMULA 2
IOSR-PNL-1
IOSR INCOME/EXPENSE A/C - FORMULA 1
IOSR-PNL-2
IOSR INCOME/EXPENSE A/C - FORMULA 2
IOSR-TPBL_ADJ-3
IOSR TAX PAY ADJ A/C - FORMULA 3
IOSR-TPBL-3
IOSR TAX PAYABLE A/C - FORMULA 3
PAST_DUE_ACCOUNT
Past Due Account
CLG_BRIDGE_GL
Clearing Suspense GL
20.5 Event-wise Accounting Entries for Products
You can set up various IC products for handling customer accounts. Some representative
products are listed below:
Interest

Interest on Saving and Current Bank Accounts for Retail Customer

Debit Interest on Current Accounts

Interest on Current account for Corporate Customer

Interest Liquidation before month end on Saving and Current Bank Accounts For Retail
Customer

Interest on Saving and Current Bank Accounts for Retail Customer

Charge on Less Average balance

Dormancy Charge On Accounts
Charge

Ad-Hoc Statement Charge

Cheque Book Charges
20-4
20.5.1

Cheques Returned

Credit Turnover

Debit Card Blocked

Debit Card Issued

Debit Turnover

Number of Transactions

No of Account Statements

Stop Cheque Charges

Turnover

YTD-Cr-Turnover

YTD - Debit Turnover

Year End Transfer

Year to date No. of Transactions
Accounting Entries for Interest Products
You can set up accounting entries as given below.
20.5.1.1 Interest on Saving and Current Bank Accounts for Retail Customer
IACR
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOSR-PNL-1
IACR
Debit
IOSR-ACCR-1
IACR
Credit
IOSR-PNL_ADJ-1
IACR_ADJ
Debit
IOSR-ACR_ADJ-1
IACR_ADJ
Credit
IOSR-PNL-2
IACR
Credit
IOSR-ACCR-2
IACR
Debit
IOSR-PNL_ADJ-2
IACR_ADJ
Credit
IOSR-ACR_ADJ-2
IACR_ADJ
Debit
ILIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOSR-ACCR-1
ILIQ
Debit
IOSR-BOOK-1
ILIQ
Credit
IOSR-ACQUIRED-1
IACQUIRED
Debit
IOSR-BOOK-1
IACQUIRED
Credit
IOSR-ACCR-2
ILIQ
Credit
20-5
Accounting Role
Amount Tag
Debit/Credit Indicator
IOSR-BOOK-2
ILIQ
Debit
IOSR-ACQUIRED-2
IACQUIRED
Credit
IOSR-BOOK-2
IACQUIRED
Debit
IOSR-TPBL-3
TAX
Credit
IOSR-BOOK-3
TAX
Debit
IOSR-TPBL_ADJ-3
TAX_ADJ
Credit
IOSR-BOOK-3
TAX_ADJ
Debit
20.5.1.2 Debit Interest on Current Accounts
IACR
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOCP-PNL-1
IACR
Debit
IOCP-ACCR-1
IACR
Credit
IOCP-PNL_ADJ-1
IACR_ADJ
Debit
IOCP-ACR_ADJ-1
IACR_ADJ
Credit
IOCP-PNL-3
IACR
Credit
IOCP-ACCR-3
IACR
Debit
IOCP-PNL_ADJ-3
IACR_ADJ
Credit
IOCP-ACR_ADJ-3
IACR_ADJ
Debit
ILIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOCP-ACCR-1
ILIQ
Debit
IOCP-BOOK-1
ILIQ
Credit
IOCP-ACQUIRED-1
IACQUIRED
Debit
IOCP-BOOK-1
IACQUIRED
Credit
IOCP-ACCR-3
ILIQ
Credit
IOCP-BOOK-3
ILIQ
Debit
IOCP-ACQUIRED-3
IACQUIRED
Credit
IOCP-BOOK-3
IACQUIRED
Debit
20-6
20.5.1.3 Interest on Current account for Corporate Customer
IACR
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOCC-PNL-1
IACR
Credit
IOCC-ACCR-1
IACR
Debit
IOCC-PNL_ADJ-1
IACR_ADJ
Credit
IOCC-ACR_ADJ-1
IACR_ADJ
Debit
IOCC-PNL-2
IACR
Debit
IOCC-ACCR-2
IACR
Credit
IOCC-PNL_ADJ-2
IACR_ADJ
Debit
IOCC-ACR_ADJ-2
IACR_ADJ
Credit
ILIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOCC-ACCR-1
ILIQ
Credit
IOCC-BOOK-1
ILIQ
Debit
IOCC-ACQUIRED-1
IACQUIRED
Credit
IOCC-BOOK-1
IACQUIRED
Debit
IOCC-ACCR-2
ILIQ
Debit
IOCC-BOOK-2
ILIQ
Credit
IOCC-ACQUIRED-2
IACQUIRED
Debit
IOCC-BOOK-2
IACQUIRED
Credit
IOCC-TPBL-3
TAX
Credit
IOCC-BOOK-3
TAX
Debit
IOCC-TPBL_ADJ-3
TAX_ADJ
Credit
IOCC-BOOK-3
TAX_ADJ
Debit
20.5.1.4 Interest Liquidation before month end on Saving and Current Bank Accounts
for Retail Customer
IACR
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
20-7
IBSR-PNL-1
IACR
Debit
IBSR-ACCR-1
IACR
Credit
IBSR-PNL_ADJ-1
IACR_ADJ
Debit
IBSR-ACR_ADJ-1
IACR_ADJ
Credit
IBSR-PNL-2
IACR
Credit
IBSR-ACCR-2
IACR
Debit
IBSR-PNL_ADJ-2
IACR_ADJ
Credit
IBSR-ACR_ADJ-2
IACR_ADJ
Debit
ILIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IBSR-ACCR-1
ILIQ
Debit
IBSR-BOOK-1
ILIQ
Credit
IBSR-ACQUIRED-1
IACQUIRED
Debit
IBSR-BOOK-1
IACQUIRED
Credit
IBSR-ACCR-2
ILIQ
Credit
IBSR-BOOK-2
ILIQ
Debit
IBSR-ACQUIRED-2
IACQUIRED
Credit
IBSR-BOOK-2
IACQUIRED
Debit
IBSR-TPBL-3
TAX
Credit
IBSR-BOOK-3
TAX
Debit
IBSR-TPBL_ADJ-3
TAX_ADJ
Credit
IBSR-BOOK-3
TAX_ADJ
Debit
20-8
20.5.1.5 Interest on Saving and Current Bank Accounts for Retail Customer
IACR
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOCM-PNL-1
IACR
Debit
IOCM-ACCR-1
IACR
Credit
IOCM-PNL_ADJ-1
IACR_ADJ
Debit
IOCM-ACR_ADJ-1
IACR_ADJ
Credit
IOCM-PNL-2
IACR
Credit
IOCM-ACCR-2
IACR
Debit
IOCM-PNL_ADJ-2
IACR_ADJ
Credit
IOCM-ACR_ADJ-2
IACR_ADJ
Debit
ILIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
IOCM-ACCR-1
ILIQ
Debit
IOCM-BOOK-1
ILIQ
Credit
IOCM-ACQUIRED-1
IACQUIRED
Debit
IOCM-BOOK-1
IACQUIRED
Credit
IOCM-ACCR-2
ILIQ
Credit
IOCM-BOOK-2
ILIQ
Debit
IOCM-ACQUIRED-2
IACQUIRED
Credit
IOCM-BOOK-2
IACQUIRED
Debit
20.5.1.6 Charge on Less Average balance
ILIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHAV-TPBL_ADJ-2
TAX_ADJ
Credit
CHAV-BOOK-1
IACQUIRED
Debit
CHAV-BOOK-2
TAX
Debit
CHAV-TPBL-2
TAX
Credit
CHAV-PNL-1
ILIQ
Credit
20-9
Accounting Role
Amount Tag
Debit/Credit Indicator
CHAV-BOOK-1
ILIQ
Debit
CHAV-PNL_ADJ-1
IACQUIRED
Credit
CHAV-BOOK-2
TAX_ADJ
Debit
20.5.1.7 Dormancy Charge On Accounts
ILIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
DORM-PNL-1
ILIQ
Credit
DORM-BOOK-1
IACQUIRED
Debit
DORM-BOOK-1
ILIQ
Debit
DORM-PNL_ADJ-1
IACQUIRED
Credit
20.5.1.8 Ad-Hoc Statement Charge
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.9 Cheque Book Charges
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.10 Cheques Returned
CIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20-10
20.5.1.11 Credit Turnover
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.12 Debit Card Blocked
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.13 Debit Card Issued
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.14 Debit Turnover
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.15 Number of Transactions
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_INCOME
CHARGE
Debit
CHG_BOOK
CHARGE
Credit
20-11
20.5.1.16 No of Account Statements
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_INCOME
CHARGE
Debit
CHG_BOOK
CHARGE
Credit
20.5.1.17 Stop Cheque Charges
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_INCOME
CHARGE
Debit
CHG_BOOK
CHARGE
Credit
20.5.1.18 Turnover
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.19 YTD-Cr-Turnover
CLIQ
Accounting Entries
20.5.1.20 YTD - Debit Turnover
CLIQ
Accounting Entries
20-12
20.5.1.21 Year End Transfer
CLIQ
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
20.5.1.22 Year to Date No. of Transactions
CLIQ
Accounting Entries
20.5.2
Accounting Role
Amount Tag
Debit/Credit Indicator
CHG_BOOK
CHARGE
Debit
CHG_INCOME
CHARGE
Credit
Accounting Entries for Discounted Cheques
20.5.2.1 On Discounting
CDIS
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
Liability a/c*
PD_TAG
Debit
PDC Beneficiary
PD_TAG
Credit
Accounting Role
Amount Tag
Debit/Credit Indicator
Clearing Suspense
GL
PD_TAG
Debit
Liability a/c*
PD_TAG
Credit
Accounting Role
Amount Tag
Debit/Credit Indicator
Past Due Account
PD_TAG
Debit
Clearing Suspense
GL
PD_TAG
Credit
20.5.2.2 On Activation
LIQN
Accounting Entries
20.5.2.3 On Rejection
RETN
Accounting Entries
20-13
20.5.2.4 On Re-Presentation
LIQN
Accounting Entries
Accounting Role
Amount Tag
Debit/Credit Indicator
Clearing Suspense
GL
PD_TAG
Debit
Past Due Account
PD_TAG
Credit
20-14
21. Annexure C - IC Rule Set-up
21.1 Introduction
This Annexure lists the Interest and Charge (IC) rules that need to be maintained for the
CASA module of Oracle FLEXCUBE. It also gives the UDEs and rates for which values need
to be maintained.
21.2 IC Rule Maintenance
The components required to calculate interest (the principal, period, and rate) are broadly
referred to as ‘Data Elements’. Data elements are of two types:

System Data Elements (SDEs)

User Data Elements (UDEs)
In addition to specifying how the SDEs and UDEs are connected through the formulae, you
also define certain other attributes for a rule using the ‘Interest and Charges Rule
Maintenance’ screen. You can invoke this screen by typing ‘ICDRLMNT’ in the field at the top
right corner of the Application tool bar and clicking the adjoining arrow button.
For details about the screen, refer the chapter ‘Maintaining Interest Rules’ in the Interest and
Charges User Manual.
You can maintain rules for the following:

Interest on Saving and Current Bank Accounts for Retail Customer

Debit Interest on Current Accounts
21-1
21.2.1

Interest on Current account for Corporate Customer

Interest on Saving and Current Bank Accounts for Retail Customer

Charge as Dr Interest when the balance is Less than minimum average balance

Dormancy Charge
Interest on Saving and Current Bank Accounts for Retail Customer
Specify the following details:
On Account Opening Month
Check this box.
On Account Closure Month
Check this box.
SDE
Maintain the following SDEs:

DAYS

VD_DLY_CR_BAL_M

YEAR

VD_DLY_DR_BAL_M
UDE
Maintain the following UDEs:
User Defined
Elements
Type
NORMAL_RATE1
Rate
NORMAL_RATE2
Rate
NORMAL_RATE3
Rate
NORMAL_RATE4
Rate
AMOUNT1
Amount
AMOUNT2
Amount
AMOUNT3
Amount
TAX1
Rate
Get Latest
For each of the UDEs, select the option ‘Use Effective’ from the adjoining drop-down list.
21-2
Click ‘Formulas’ button and invoke the ‘Formulas’ screen.
You need to maintain two booked formulae and one tax formula.
Formula 1
Specify the following details:
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Debit/Credit
Select ‘Credit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
Rounding Required
Check this box.
21-3
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen.
In this screen, specify the following expressions:
Case
Result
(VD_DLY_CR_BAL_M >=0
AND VD_DLY_CR_BAL_M <=
AMOUNT2)
(VD_DLY_CR_BAL_M*NORMAL_RATE1*DAYS)/
(YEAR*100)
(VD_DLY_CR_BAL_M >
AMOUNT2
(VD_DLY_CR_BAL_M*NORMAL_RATE3*DAYS)/
(YEAR*100)
Formula 2
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
Rounding Required
Check this box.
21-4
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
Case
Result
VD_DLY_DR_BAL_M
>=AMOUNT3
(VD_DLY_CR_BAL_M*NORMAL_RATE1*DAYS)/(YEAR*100)
(VD_DLY_DR_BAL_M
<AMOUNT3
(VD_DLY_DR_BAL_M*NORMAL_RATE4*DAYS)/(YEAR*100)
Formula 3
Specify the following details:
Book Flag
Select ‘Tax’ from the adjoining drop-down list.
Periodicity
Select ‘Periodic’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Leave this box unchecked.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
21.2.2
Case
Result
FORMULA1 > AMOUNT1
(TRUNC((FORMULA1*TAX1)/100)
(FORMULA1 < AMOUNT1
0
Debit Interest on Current Accounts
Specify the following details:
On Account Opening Month
Check this box.
21-5
On Account Closure Month
Check this box.
SDE
Maintain the following SDEs:

DAYS

DLY_NET_BAL_M

YEAR

ACCOUNT_LIMIT
UDE
Maintain the following UDEs:

NORMAL_RATE1

NORMAL_RATE2

NORMAL_RATE3
Type
For each of the UDEs, select the option ‘Rate’ from the adjoining drop-down list.
Get Latest
For each of the UDEs, select the option ‘Use Effective’ from the adjoining drop-down list.
Click ‘Formulas’ button and invoke the ‘Formulas’ screen. You need to maintain two booked
formulae and one non-booked formula.
Formula 1
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Periodic’ from the adjoining drop-down list.
Debit/Credit
Select ‘Credit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expression:
21-6
Case
Result
DLY_NET_BAL_M > 0
ABS((DLY_NET_BAL_M*NORMAL_RATE1*DAYS)/(YEAR*100))
Formula 2
Specify the following details:
Book Flag
Select ‘Non-Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expression:
Case
Result
DLY_NET_BAL_M <0
ABS(DLY_NET_BAL_M)
Formula 3
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
21-7
Rounding Required
Check this box if rounding is required.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
21.2.3
Case
Result
FORMULA2>
ACCOUNT_LIMIT
ABS((DLY_NET_BAL_M*NORMAL_RATE2*DAYS)/(YEAR*100))
FORMULA2<
ACCOUNT_LIMIT
ABS((DLY_NET_BAL_M*NORMAL_RATE3*DAYS)/(YEAR*100))
Interest on Current account for Corporate Customer
Specify the following details:
On Account Opening Month
Check this box.
On Account Closure Month
Check this box.
SDE
Maintain the following SDEs:

DAYS

MON_AVG_BAL_M

RD_INSTALL_DUE
UDE
Maintain the following UDEs:
User Defined
Elements
Type
RATE1
Rate
RATE2
Rate
AMOUNT1
Amount
AMOUNT2
Amount
TAX1
Rate
TAX2
Rate
Get Latest
For each of the UDEs, select the option ‘Use Effective’ from the adjoining drop-down list.
Click ‘Formulas’ button and invoke the ‘Formulas’ screen. You need to maintain two booked
formulae and one tax formula.
21-8
Formula 1
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Periodic’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
Rounding Required
Check this box.
Interest Method Default From Currency Definition
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expression:
Case
Result
( MON_AVG_BAL <0
ABS((MON_AVG_BAL*RATE1*DAYS)/(YEAR*100))
Formula 2
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Periodic’ from the adjoining drop-down list.
Debit/Credit
Select ‘Credit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
21-9
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expression:
Case
Result
MON_AVG_BAL >0
ABS((MON_AVG_BAL*RATE2*DAYS)/(YEAR*100))
Formula 3
Specify the following details:
Book Flag
Select ‘Tax’ from the adjoining drop-down list.
Periodicity
Select ‘Periodic’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Leave the box unchecked.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
21.2.4
Case
Result
FORMULA2 < AMOUNT1
0
FORMULA2>AMOUNT1
TRUNC((FORMULA2*TAX1)/100)
FORMULA2>AMOUNT2
TRUNC((FORMULA2*TAX2)/100)
Interest on Saving and Current Bank Accounts for Retail Customer
Specify the following details:
On Account Opening Month
Check this box.
21-10
On Account Closure Month
Check this box.
SDE
Maintain the following SDEs:

DAYS

VD_DLY_CR_BAL_M


VD_DLY_DR_BAL_M
YEAR
UDE
Maintain the following UDEs:
User Defined
Elements
Type
NORMAL_RATE1
Rate
NORMAL_RATE2
Rate
NORMAL_RATE3
Rate
NORMAL_RATE4
Rate
AMOUNT1
Amount
AMOUNT2
Amount
AMOUNT3
Amount
TAX1
Rate
Get Latest
For each of the UDEs, select the option ‘Use Effective’ from the adjoining drop-down list.
Click ‘Formulas’ button and invoke the ‘Formulas’ screen. You need to maintain two booked
formulae and one tax formula.
Formula 1
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Credit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
21-11
Accrual Required
Check this box.
Rounding Required
Check this box..
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen you
need to maintain the following expressions.
Case
Result
VD_DLY_CR_BAL_M >=0
AND VD_DLY_CR_BAL_M <=
AMOUNT2
(VD_DLY_CR_BAL_M*NORMAL_RATE1*DAYS)/
(YEAR*100)
VD_DLY_CR_BAL_M >
AMOUNT2
(VD_DLY_CR_BAL_M*NORMAL_RATE3*DAYS)/
(YEAR*100)
Formula 2
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
Case
Result
VD_DLY_DR_BAL_M
>=AMOUNT3
(VD_DLY_DR_BAL_M*NORMAL_RATE2*DAYS)/
(YEAR*100)
(VD_DLY_DR_BAL_M
<AMOUNT3
(VD_DLY_DR_BAL_M*NORMAL_RATE4*DAYS)/
(YEAR*100)
21-12
Formula 3
Specify the following details:
Book Flag
Select ‘Tax’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Leave this box unchecked.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
21.2.5
Case
Result
FORMULA1 > AMOUNT1
(TRUNC((FORMULA1*TAX1)/100)
(FORMULA1 < AMOUNT1
0
Interest on Saving and Current Bank Accounts for Retail Customer
Specify the following details:
On Account Opening Month
Check this box.
On Account Closure Month
Leave this box unchecked.
SDE
Maintain the following SDEs:

DAYS

VD_DLY_CR_BAL_M


VD_DLY_DR_BAL_M
YEAR
21-13
UDE
Maintain the following UDEs:
User Defined
Elements
Type
NORMAL_RATE1
Rate
NORMAL_RATE2
Rate
NORMAL_RATE3
Rate
NORMAL_RATE4
Rate
AMOUNT2
Amount
AMOUNT3
Amount
Get Latest
For each of the UDEs, select the option ‘Use Effective’ from the adjoining drop-down list.
Click ‘Formulas’ button and invoke the ‘Formulas’ screen. You need to maintain two booked
formulae.
Formula 1
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Credit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
Case
Result
(VD_DLY_CR_BAL_M*NORMAL_RATE1*DAYS)/
(YEAR*100)
(VD_DLY_CR_BAL_M*NORMAL_RATE1*DAYS)/
(YEAR*100)
21-14
Case
Result
VD_DLY_CR_BAL_M >
AMOUNT2
(VD_DLY_CR_BAL_M*NORMAL_RATE3*DAYS)/
(YEAR*100)
Formula 2
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Check this box.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
21.2.6
Case
Result
VD_DLY_DR_BAL_M
>=AMOUNT3
(VD_DLY_DR_BAL_M*NORMAL_RATE2*DAYS)/(YEAR*100)
VD_DLY_DR_BAL_M
<AMOUNT3
(VD_DLY_DR_BAL_M*NORMAL_RATE4*DAYS)/(YEAR*100)
Charge as Dr Interest when the Balance is Less than Minimum Average
Balance
Specify the following details:
On Account Opening Month
Check this box.
On Account Closure Month
Check this box.
SDE
Maintain the following SDEs:

MIN_BAL_REQD
21-15

MON_AVG_BAL
UDE
Maintain the following UDEs:
User Defined
Elements
Type
AVSLAMT1
Amount
AVSLAMT2
Amount
AVSLAMT3
Amount
AVSLAMT4
Amount
AVSLAMT5
Amount
CHGAMT1
Amount
CHGAMT2
Amount
CHGAMT3
Amount
CHGAMT4
Amount
CHGAMT5
Amount
TAX3
Rate
Get Latest
For each of the UDEs, select the option ‘Use Effective’ from the adjoining drop-down list.
Click ‘Formulas’ button and invoke the ‘Formulas’ screen. You need to maintain one booked
formula and one tax formula.
Formula 1
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Periodic’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Leave this box unchecked.
21-16
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
Case
Result
MON_AVG_BAL >0 AND MON_AVG_BAL > MIN_BAL_REQD
0
MON_AVG_BAL < AVSLAMT1
CHGAMT1
MON_AVG_BAL < AVSLAMT2 AND MON_AVG_BAL > AVSLAMT1
CHGAMT2
MON_AVG_BAL < AVSLAMT3 AND MON_AVG_BAL > AVSLAMT2
CHGAMT3
MON_AVG_BAL < AVSLAMT4 AND MON_AVG_BAL > AVSLAMT3
CHGAMT4
MON_AVG_BAL < AVSLAMT5 AND MON_AVG_BAL > AVSLAMT4
CHGAMT5
Formula 2
Specify the following details:
Book Flag
Select ‘Tax’ from the adjoining drop-down list.
Periodicity
Select ‘Periodic’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘365’ from the adjoining drop-down list.
Accrual Required
Leave this box unchecked.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expression:
21.2.7
Case
Result
FORMULA1 >0 AND FORMULA1 < MON_AVG_BAL
TRUNC((FORMULA1*TAX3)/100)
Dormancy Charge
Specify the following details:
21-17
On Account Opening Month
Check this box.
On Account Closure Month
Check this box.
SDE
Maintain the following SDEs:

AC_DORMANCY_DAYS

AC_DORMANT
UDE
Maintain the following UDEs:

DORM_CH_PER_DAY1,

DORM_CH_PER_DAY2
Type
For each of the UDEs, select the option ‘Amount’ from the adjoining drop-down list.
Get Latest
For each of the UDEs, select the option ‘Use Effective’ from the adjoining drop-down list.
Click ‘Formulas’ button and invoke the ‘Formulas’ screen. You need to maintain one booked
formula.
Formula 1
Specify the following details:
Book Flag
Select ‘Booked’ from the adjoining drop-down list.
Periodicity
Select ‘Daily’ from the adjoining drop-down list.
Debit/Credit
Select ‘Debit’ from the adjoining drop-down list.
Days in a Month
Select ‘Actuals’ from the adjoining drop-down list.
Days in a Year
Select ‘Actuals’ from the adjoining drop-down list.
Accrual Required
Leave this box unchecked.
Rounding Required
Check this box.
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expressions:
21-18
Case
Result
AC_DORMANT =1 AND (AC_DORMANCY_DAYS >=1 AND AC_DORMANCY_DAYS <=30)
AC_DORMANCY_DAYS*DORM_CH_PER_DAY1
AC_DORMANT =1 AND AC_DORMANCY_DAYS >30
AC_DORMANCY_DAYS*DORM_CH_PER_DAY2
21.3 UDE Value Maintenance
You can maintain UDE values for the rules using the ‘Interest and Charges User Data
Element Maintenance’ screen. You can invoke the ‘Interest and Charges User Data Element
Maintenance’ screen by typing ‘ICDUDVAL’ in the field at the top right corner of the
Application tool bar and clicking the adjoining arrow button.
For details about the screen, refer the chapter ‘Giving UDE Values for Condition’ in the
Interest and Charges User Manual.
In this screen, you need to maintain the following UDEs for the different IC products. Assume
that you have maintained the following interest products:

Interest on Saving and Current Bank Accounts for Retail Customer

Debit Interest on Current Accounts
21-19
21.3.1

Interest on Current account for Corporate Customer

Interest Liquidation before month end on Saving and Current Bank Accounts For Retail
Customer

Interest On Saving and Current Bank Accounts For Retail Customer

Charge On Less Average Balance
Interest on Saving and current Bank Accounts for Retail Customer
You need to maintain values for the following UDEs under this product:
21.3.2

NORMAL_RATE1

NORMAL_RATE2

NORMAL_RATE3

NORMAL_RATE4

AMOUNT1

AMOUNT2

AMOUNT3

TAX1
Debit Interest on Current Accounts
You need to maintain values for the following UDEs under this product:
21.3.3

NORMAL_RATE1

NORMAL_RATE2

NORMAL_RATE3
Interest on Current account for Corporate Customer
You need to maintain values for the following UDEs under this product:
21.3.4

RATE1

RATE2

AMOUNT1

AMOUNT2

TAX1

TAX2
Interest on Liqd Before Month End on Saving and Current Bank Accounts For Retail Customer
You need to maintain values for the following UDEs under this product:

NORMAL_RATE1

NORMAL_RATE2

NORMAL_RATE3

NORMAL_RATE4

AMOUNT1

AMOUNT2

AMOUNT3

TAX1
21-20
21.3.5
Interest on Saving and Current Bank Accounts For Retail Customer
You need to maintain values for the following UDEs under this product:
21.3.6

NORMAL_RATE1

NORMAL_RATE2

NORMAL_RATE3

NORMAL_RATE4

AMOUNT2

AMOUNT3
Charge On Less Average Balance
You need to maintain values for the following UDEs under this product:

AVSLAMT5

AVSLAMT4

AVSLAMT3

CHGAMT3

CHGAMT2

CHGAMT1

AVSLAMT2

CHGAMT4

CHGAMT3

CHGAMT2

AVSLAMT1

TAX3

CHGAMT5

CHGAMT4

CHGAMT3

CHGAMT2

CHGAMT1

TAX3

CHGAMT5

CHGAMT4

AVSLAMT5

AVSLAMT1

TAX3

CHGAMT5

AVSLAMT4

AVSLAMT3

AVSLAMT2

CHGAMT2

CHGAMT1

CHGAMT4

CHGAMT3

AVSLAMT5
21-21
21.3.7

AVSLAMT2

AVSLAMT1

AVSLAMT4

AVSLAMT3

CHGAMT5

AVSLAMT4

AVSLAMT3

CHGAMT1

AVSLAMT5

AVSLAMT2

AVSLAMT1

TAX3

DORM_CH_PER_DAY2

DORM_CH_PER_DAY2

DORM_CH_PER_DAY1

DORM_CH_PER_DAY1

DORM_CH_PER_DAY1

DORM_CH_PER_DAY2

DORM_CH_PER_DAY2

DORM_CH_PER_DAY1

DORM_CH_PER_DAY1

DORM_CH_PER_DAY2

DORM_CH_PER_DAY2

DORM_CH_PER_DAY1

DORM_CH_PER_DAY2

DORM_CH_PER_DAY1

DORM_CH_PER_DAY1

DORM_CH_PER_DAY2
Stamp Duty Taxation
You need to maintain value for the UDE, STAMP_DUTY, under this product.
In addition to specifying how the SDEs and UDEs are connected through the formulae, you
also need to define certain other attributes for a rule using the ‘Interest and Charges Rule
Maintenance’ screen. You can invoke this screen by typing ‘ICDRLMNT’ in the field at the top
right corner of the Application tool bar and clicking the adjoining arrow button.
Specify the following parameters in the Formulas section of the Interest & Charges Rule
Maintenance screen:
Debit/Credit
Select ‘Debit’ from the Debit/Credit list.
Book Flag
Select ‘Booked’ from the Book Flag list.
Periodicity
Select ‘Quarterly’ from the Periodicity list.
21-22
Click ‘Formula Wizard’ button and invoke the ‘Formula Wizard’ screen. In this screen, you
need to maintain the following expression:
Case
Result
CURRENT_BAL < 0
((CURRENT_BAL*STAMP_DUTY) * -1)
21.4 IC Rates Maintenance
You can maintain rate codes for branches using the ‘Interest and Charges Branch Availability
Maintenance’ screen. You can invoke this screen by typing ‘ICDRESTR’ in the field at the top
right corner of the Application tool bar and clicking the adjoining arrow button.
You need to maintain the following rate code for all branches of your bank:

FLOATRATE
For the aforesaid rate code, you need to maintain rates and effective dates in the ‘Interest and
Charges Rate Input’ screen. You can invoke the ‘Interest and Charges Rate Input’ screen by
21-23
typing ‘ICDRATES’ in the field at the top right corner of the Application tool bar and clicking
the adjoining arrow button.
These rates are picked up by the CASA module while processing interest applicable on a
CASA.
Refer the chapter ‘Floating Rate Codes for IC Module’ for details about rate maintenance.
21-24
22. Function ID Glossary
ICDRESTR ....................... 21-23
ICDRLMNT ......................... 21-1
ICDUDVAL ....................... 21-19
IFDCLGDT ........................ 15-14
IFSCLGDT ........................ 15-21
ISDINSMS .......................... 15-1
A
ACDADCRP ....................... 3-71
ACDMUNCL ..................... 15-10
ACDOPTN .......................... 17-8
ACDSTQRY ..................... 3-110
L
LMDCUSLT ........................ 3-83
B
M
BADEODFN ..................... 11-10
BADIDBAT ........................ 15-11
MSDADVFT ........................ 11-1
MSDCUSAD ....................... 11-9
MSDMSTYP ....................... 11-8
C
CADAMBLC ......................... 9-7
CADCHBOO ......................... 7-1
CADCHKDT ......................... 7-9
CADLOGBK ..................... 3-108
CADSPMNT ....................... 10-1
CADSTRUC ......................... 8-2
CARPAACC ..................... 17-44
CARPACCB ..................... 17-46
CARPACCL ...................... 17-47
CARPAOCR ..................... 17-49
CARPBALC ...................... 17-52
CARPCKDT ........................ 17-3
CARPCSLM ..................... 17-54
CARPDACC ..................... 17-55
CARPDCRD ..................... 17-57
CARPMACC ..................... 17-58
CARPNRAC ..................... 17-60
CARPSPMT ....................... 17-4
CASAMBLK .......................... 9-6
CASSTRUC .......................... 8-3
CODHOLDT ......................... 9-1
CORRJDD ........................ 17-66
COSHOLDT ......................... 9-2
CSSJOBBR ........................ 3-70
P
PDDBULKI ........................ 12-19
PDDCHDMT ..................... 12-38
PDDDWRMT .................... 12-34
PDDDWRST ..................... 12-33
PDDMANLQ ..................... 12-27
PDDONLIN ......................... 12-7
PDDPRMNT ....................... 12-1
PDSBULKI ........................ 12-23
PDSCHDMT ..................... 12-40
PDSDWRMT .................... 12-36
PDSONLIN ....................... 12-17
S
STDACRST ...................... 11-15
STDACSTA ...................... 3-111
STDADINT ........................ 3-105
STDCASAC ...................... 3-123
STDCRSMT ..................... 11-12
STDCULMT .......................... 4-1
STDCULMT1 ........................ 4-1
STDDEDUP ........................ 3-92
STDJHMNT ........................ 3-94
STDNTPRD ...................... 3-104
STRDOCL ........................ 17-62
STRFRCAS ...................... 17-63
STSACRST ...................... 11-17
D
DDDPRMNT ....................... 13-1
DDDQUERY ...................... 13-5I
I
ICDRATES ....................... 21-24
22-1
STSACSTA ....................... 3-116
STSCASAC ...................... 3-129
STSCRSMT ...................... 11-14
STSMAINT ....................... 3-106
22-2
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