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Enterprise Limits and Collateral Management User Manual

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1. 6 6 0 1 Validations for Modify Utilization process Apart from the mandatory checks system performs the following validations e Utilization Reference Number If this value is passed then the system will be check whether it is a valid utilization reference number If so the system will reverse this reference number e External Reference Number If Oracle FLEXCUBE ELCM utilization reference number is not passed then system has to pass an External Reference Number Based on this number system will retrieve the Oracle FLEXCUBE ELCM utilization reference number and do the process Other processing will be same as New Utilization Process 6 7 Query Utilization A Query Utilization transaction can be performed on all the Contracts Here on query only the consolidated information about the contract will be provided Apart from the Gate Way header information Query process will require following the information a Field Name Data Type size Remarks a 1 Utilization Refer AlphaNumeric 16 Specifies Oracle FLEX No ence Number CUBE ELCM utilization reference number 2 External Refer AlphaNumeric 50 If the product processor Yes ence Number does not have Oracle FLEXCUBE ELCM utili zation reference number then it should pass the product processor refer ence number 3 AmountTag AlphaNumeric 20 Amount tag would be No required when there are multiple utilization for the same refere
2. ELCs Date Time Checker Date Time Mod No Record Status Authorization Status Queue Name Specify the Queue Name 210 ORACLE 2 20 Description Give a brief description of the queue here Queue Detail Here you can specify multiple user roles fora Queue name For each record you must specify the Role Name i e the user role allowed for authorization System then defaults the description for the role Exception Queue Slab Maintenance As a part of Credit Exception management the Transaction authorizer details and breached authorizer details can be entered in the Transaction Authorize Maintenance screen You can invoke the Exception Queue Slab Maintenance screen by typing GEDTAUTH in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Exception Queue Slab Maintenance E New amp Enter query Branch Description Category Transaction Details 10f1 Queue Name FromAmount To Amount Breached Details 10f1 Queue Name From Amount Maker Date Time Checker Date Time Mod No Record Status Authorization Status The transaction authorizer queue first checks for authorizers maintained for that particular branch and category during a utilization transaction for that branch If no authorizers are maintained for that branch then a default authorizer will be assigned to all branches The D
3. You can invoke the Covenant History Reports screen by typing ELRPCONH in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Covenant History Report X Covenant History Report Options a Covenant Name et Liability All Single 1 Of 1 4 ES E List of Liabilities a m Report Format PDF X PrinterAt Client v Report Output Print v Printer Covenant Name Select the covenanat name from the adjoining option list al ORACLE Liability Number Select the liability number for which you want to rertive the covenanat data 5 3 1 Contents of the Report The contents of this report are discussed under the following heads Header The Header carries the title of the report information on the branch and branch date user id the date and time the page number and module of the report Body of the Report This report contains details of Covenant Name This is the name of the covenant Transaction Type This is the facility or collateral type of transaction Mandatory This is to specify whether the Covenant is mandatory or not Frequency This is to specify the frequency of the Covenant submission Start Date This is the start date of the covenant End date This is the end date of the covenant Grace days This is the grace days of the Covenant Notice days This is the notice days of the Covenant
4. In this case during BOD on Feb 01 200r the limit mount will be updated to USD 500 000 and on Mar 02 2009 it will be modified again to USD 800 000 If the batch does not run on Mar 02 2009 it will be run on Mar 03 2009 Accordingly the Scheduled Limit Amount defined for Mar 02 2009 Schedule will be updated as Facility Limit Amount During EOD the system processes limits schedules and revision process takes place for the facilities as per the scheduled date It processes the limit schedules till next working day and marks all the schedules till date as processed When the Facility Start Date and Schedule Date falls on the same day then on save of Facility record you will get an override message for confirmation on updating the limit amount of Facility as per the schedule amount While processing if there are any errors or overrides it should be logged The following are the possible errors e Available amount is negative for the facility e The Tenor Limit Amount exceeds the Line Approved Limit Amount as the validation of the Tenor Limit Amount is against the Approved Limit Amount e The amount cannot exceed the overall limit specified for the liability id e The Main Line Limit cannot be less than any of its Sub Line Limit e The Sub Line Limit cannot exceed the Main Line Limit e Example e Assume the following e Liability GROUPLIAB e Line SHTLLIMIT e Serial 1 e Start Date 01 Jul 2009 e Limit Curren
5. ccccee 7 8 Annexure 4 Gateway Processes amp Interfaces cccesseeseeeeeeeeeeeeeenees 8 1 8 1 IntrOduGtion 2 252054 cha 2 ec a a adn a ad teh a aa a acted Ad E eaaa 8 1 8 2 Gateway Online Process 2 ccccecessccceteneeeseceetecsseneeeeeeaeaeeneeeeeceneeneeeseneeeeneessneeeese 8 1 8 2 1 Maintenance Transactions u ccccccccccccscscscssscecsssssesesseseneneseseeeseseceseseesesseananan 8 1 8 2 2 Utilization Transactions cceccecccccccc sss seseneneeeenseseesceceesesesseeesaeaesuaeaeensnesesesss 8 2 8 23 BatChiProCOSS wi fe sevte Avtac aaae eea eaaa a ssc adi detsann a aaside 8 2 8 2 4 Reprocessing Locked Online Transactions cccccccccetteeeeeeettneeeeeeenaes 8 2 8 2 5 Technical undo Functional Rollback ecccecccceceeecceetteeeeetntneeeeeetnteeeeetens 8 2 8 3 Gateway Batch Process riran nar aR AE EAE TN RS 8 2 8 3 1 Batch INDOUN PLOCESS nrsrecneriieane aaae a Ea 8 3 8 3 2 Batch Outbound PLOCOSS cccccccccccccssssscsessseseseseeessensseseseeecesecessesesesaeananananes 8 4 8 4 Interfaces isnin stra a e n a ie te ee rth 8 4 Function ID Glo SS any is ncecs i adesscacacnteecessticteaceccseceteiesetereienccieneee 9 1 1 1 1 2 1 3 1 4 1 Preface Introduction This manual is designed to help you to quickly get acquainted with the Oracle FLEXCUBE Enterprise Limits and Collateral Management hereafter referred to as Oracle FLEXCUBE ELCM system It provides an overview and takes you through t
6. Matured_Amount If you repay the already utilized amount then the repay credit will update on the Matured_Util field of the Getm_facility table 2 14 1 Maintaining Limit Schedules The limit assigned to a customer under a revolving line can be reduced You can define these details while maintaining limits for a customer From the Limits Maintenance screen click Schedules button Schedules Maintenance Schedules 10f1 E Limit Date Limit Amount For a liability code and credit line combination you can define limit schedules and indicate the limit that is applicable for the period You can enter a negative limit amount However the Limit Date should not be earlier than the Limit start date and later than the Limit Expiry Date The Facility batch which runs at BOD checks the limits schedule for a facility and if a schedule is due on the current date in the branch If so it updates the limit amount for the facility for which the schedule is due with the schedule limit amount aa ORACLE For example you have defined a limit schedule for a facility for your client ABC Corporation where the Limit Amount initially is USD 1 million and the start date for the facility is Jan 01 2009 The schedule is as shown below Limit Date Limit Amount Feb 01 2009 500000 Mar 02 2009 800000 April 03 2009 400000 May 04 2009 900000
7. ORACLE 5 1 5 2 5 3 5 Reports Introduction This manual lists the details of various reports that you can generate for ELCM module of Oracle FLEXCUBE 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 history reports and so on A set of report formats is pre defined for every module Generating Reports 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 Click OK button when you have specified your preferences The Print Options screen gets displayed where you can specify the preferences for printing the report Generating Covenant History Reports
8. in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Source Code Function ID Branch Status _ Search Advanced Search Reset Records per page 15 v Lidla or 1 Lb pI Source Code Function ID Branch Primary Key Modification Number Status Data Data In Time Replication Start Time Replication End Ti Base your queries on any or all of the following parameters and fetch records e Source Code Oracle FLEXCUBE or ELCM instance for which the data will get replicated e Branch branch code of the transaction e Function for which the maintenance is done e Status replication status e Primary Key Primary key of the data e Mod Number modification number of the data to be uploaded Select any or all of the above parameters for a query and click Search button The records meeting the selected criteria are displayed e Source Code e Branch e Function e Status e Primary Key e Mod Number 3 4 Batch Replication As a part of the batch replication data will be replicated in the following way e Complete refresh Complete data would be replicated e Incremental refresh Transaction inputted on the logic day would be replicated e Error records refresh Replicates all the error records associated to online replication oe ORACLE 3 4 1 3 4 2 Replicating Data from Oracle FLEXCUBE to
9. Function ID Replication Details GEDMLIAB Liability Input GEDCULIK Customer Liability Linkages GEDCOLLT Collateral Input GEDMPOOL Collateral Pool Input GEDFACLT Facility Input GEDBLOCK Facility Earmarking GEDTRANS Facility Transfer EIDPEDPG View Pending Unauthorized Transaction GEDDAUTH Dual Authorization Note All other ELCM Function IDs should be operated from ELCM stand alone system Both ELCM and FLEXCUBE needs common data and common data need to be replicated between both the systems Using ELCM replication framework data would be replicated online between ELCM to Oracle FLEXCUBE instances and vice versa Online Data Replication When the transaction is authorized in the system replication component applies replication filter to check whether the data needs t be replicated or not ORACLE 3 2 1 3 2 2 Replicating Data from Oracle FLEXCUBE to ELCM As part of replication process following data would be replicated from Oracle FLEXCUBE to ELCM Replication Data Replication Details Branch All the Branches with ELCM Replication option selected will be replicated to ELCM Branch Holiday Branch Holidays with ELCM Replication branch option selected will be replicated to ELCM Rates Rates will be replicated to ELCM only if e The branch option ELCM replication associated to rates is selected e The ra
10. meric 20 Amount tag would be required when there are multiple utilization for the same refer ence number This tag would indicate which component needs to be modified No 10 Modified Utiliza tion Amount Numeric Indicates the Increase Decrease Utilization Amount Yes 11 Utilization Cur rency AlphaNumeric 3 Indicated the cur rency of the utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system No 21 Transaction Initi ated Date Date Indicates the date and time when the trans action was entered in product processor Yes 22 Value Date Date Specifies the Value date of the transac tion No 23 Authorization Sta tus Alphabet 1 Indicates whether transaction should be authorized online or not Possible values are A Authorize online and U upload transaction as unauthorized Default value is U No 24 Force Authoriza tion Alphabet 1 Indicates whether transaction should ignore the overrides occurred in the pro cess or not Possible values Y force authorize and N not fore authorized Default value is N No ORACLE 25 Simulate Alphabet 1 Indicates if the trans No action should be used only for simulation Possible Values Y simulate and N actual transaction Default value is N
11. 1 045 mil lion This process explained above is online process where in the change in the Security Price immediately revaluates all the collateral linked to these securities If at the Oracle FLEXCUBE ELCM Global Parameter maintenance the option for Revaluate Market Online has been selected as batch then the collateral revaluation as explained above will be taken up as part of revaluation batch process Adhoc Revaluation of Market Based Collaterals In the Adhoc Revaluation screen specific market based collaterals can be chosen to forcefully run the revaluation process If such collateral values have to be revised then an input file containing the latest security price has to be sent to system prior running the Collateral Force Revalue Ad hoc Revaluation E New amp Enter Query Security Code Security Price Collateral Revaluation of Non Market Based Securities Collateral revaluation of non market based securities is not subjected to market fluctuation Hence if such collateral values have to be revised then an input file containing the collateral code of all such collaterals and the latest revised collateral value must be sent to the system The revaluation process takes place online when ever there is a change in the collateral value Example Non market Based collateral Fixed Deposit having 100 lendable margin has been linked to a facility on 15t January 2008 owned by a XYZ cu
12. 1 Of 1 User DataElementsId Value RateCode CodeUsage Effective Date z Commitment Branch Select the branch from the adjoining option list in which the commitment contract needs to be created Commitment Product Select the product code from the adjoining option list to be used for creating the commitment contract Note If the commitment contract is created in FCUBS then the system will not allow modify the product code oe ORACLE 2 12 8 2 12 9 Commitment Settlement Account Select the settlement account number from the adjoining option list used in commitment contract for passing the accounting entries Commitment Settlement Branch Specify the commitment settlement branch code used in commitment contract for passing the accounting entries Commitment Ref No Specify the Commitment reference number Maintaining Source Restrictions You can specify which sources are allowed or restricted to access the collateral in Source Restrictions screen Click on Source Restrictions button to invoke this screen Source Maintenance Restriction Type Allowed Disallowed Source Restrict 101 External System Description Restriction Type Choose the Allowed option to maintain an allowed list of liability restrictions Choose the Disallowed option to maintain a disallowed list of liability restrictions
13. Collateral Contribution Collateral Currency The currency in which the collateral has been maintained will be displayed when a collateral code has been picked Collateral Contribution The collateral amount which has been maintained will be displayed when a collateral code has been picked Linked Amount When a collateral pool comprising the collateral is linked to the facility the system computes and displays the amount to be linked The linked amount of Collateral pool is computed based on the pool percentage or pool amount specified when a collateral pool is linked to a Facility For example Collateral Pool Pool1 is created with pool amount of 6000 USD And 60 of Pool is linked to a Facility then the linked amount of the collateral pool is updated as 3600 2 98 ORACLE i e 60 of 6000 The available amount of collateral pool is updated as 2400 6000 3600 The available amount of the collateral pool is arrived by using the below mentioned calculation Available amount pool amount pool utilization linked amount The available amount of facility is increased to the extent of linked amount in the facility currency Any utilization to the facility will only impact the available amount and the utilization of the facility and not the collateral pool or the underlying collateral Pool Amount The system computes and displays the utilization amount to the Collateral Pool if a collateral Pool is attached to a contra
14. Facility Expiry Date g FACILITY 15 Jul 2009 N 1 FACILITY 16 Jul 2009 Y 2 FACILITY 16 Jul 2009 N 3 FACILITY 15 Aug N 4 2009 System Date 15 Jul 2009 Next Working Day 17 Jul 2009 On 15 Jul 2009 EOD the system closes FACILITY1 and FACILITY3 Note This process does not close the following lines If there are any underlying active transactions on that line If there are any active sub lines reporting to this main line If line is not closed due to the above exceptions then the system logs the same into an exception table GETB_EXCEPTION_LOG If particular line is not closed on expiry date due to the above exception then same line is taken up for auto closure process on next EOD ate ORACLE 2 22 Facilities Amount Transfer Maintenance Transfer of full or partial limit amounts from one facility to other within or across liabilities for certain periods is possible It is also possible to close cancel this transfer operation before a specified End Date Upon manual closure cancellation or on automatic expiry the system will transfer the transferred amount back to the original line For the above functionality you must do the following maintenances Limit transfer details can be defined through the Facilities Amount Transfer Maintenance screen You can invoke the Facilities Amount Transfer Maintenance screen by typing GEDTRANS in the
15. For example Consider a case wherein you have specified the price increase sensitivity for Debentures 98 to be 15 If the market price of the security has increased from 100 to 125 At this rise in the market price of the security which is 25 above the old market value the revaluation process will be triggered off so that the Collateral value of the security reflects its current market value Price Decrease Sensitivity denotes the percentage decrease in the market price of the security that should trigger a revaluation of the Collateral This means if the current market price of the security falls below the old market price by the percentage you have defined as the decrease sensitivity for the security the revaluation process happens For example Consider a case wherein you had specified the price decrease sensitivity of Debentures 98 to be 15 If the market price of the security has decreased from US 100 to US 75 At this fall in the market price of the security which is 33 33 below the old market value of the security the revaluation process will be triggered off so that the Collateral value of the security reflects it s current market price Currency Specify the currency to be associated with the Security using the list available here Once authorized this entry cannot be changed Face Value Specify the face value of the security A maximum of 50 numeric characters are allowed here Collateral Type Specify the collateral
16. New enter Query Limit Amount Collateral Contribution Exception Transaction Amount Interest Fee Required C Interest Fee Required Exception Breach Fee Calculation Account Utilization Available Amount Amount Utilized Today Date Of First OD Utilization Amount Date Of Last OD Tanked Utilization Netting Contribution Last New Utilization Date Availability Line Start Date Available Line Expiry Date Availment Date Exception Facility Branch User Defined Status Liability Number User Defined Status Changed Line Code Date Line Serial C Revolving Line Description Netting Required Main Line Code a nactsed Line Currency Funded Category M Shadow Limit M Bulk Payment Required Internal Remarks Amounts Limit Amount UnCollected Amount Collateral Amount Block Amount Transfer Amount Approved Amount Effective Line Amount Day Light OD Limit Eff Line Amount Basis Day Light Limit F WELGI Checker Mod No Limit Restrictions Tenor Restrictions Source Restrictions Schedules Value Dates Date Time Date Time Record Status Authorization Status Charges Covenents Note This is a view only screen hence you cannot make any modifications in this screen 2 15 Track Exposure Maintenance Maintenances for exposure tracking can be done via the Track Exposure Maintenance screen This screen not only allows tracking but
17. ORACLE Icons Function Option List ORACLE 2 1 2 2 2 Limits and Collaterals Introduction The functions and actions provided by the Oracle FLEXCUBE Enterprise Limits and Collateral Management are explained below All functions explained below come under Limits amp Collaterals in the Menu Browser Maintaining Credit Score Before creating a Liability in the system your Bank will assess the credit score of individual liabilities You can create and maintain Credit Score names in the Credit Score Maintenance screen These credit scores can later be linked to Liability Maintenance GEDMLIAB for assessing the liability score Credit Score Maintenance is a bank level maintenance and will be accessible in all Branches You can invoke the Credit Score Maintenance screen by typing GEDCRSCR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Score Maintenance E New Enter Query Score Name Score Description Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status Enter the following details Credit Score Name Specify a unique credit score name here Credit Score Description Give a brief description of the score Note This is only for information and not for processing a ORACLE 2 3 Maintaining Agency Details for Credit Rating
18. Your customer XYZ has 1000 units of Debentures 08 that have been issued by Reliance as part of her portfolio which you consider as Collateral The Market value of the Debentures 08 is 50 per unit You have defined the Price Increase and Decrease Sensitivity for this security to be 8 and 5 respectively Let the customer have credit limit of USD 1 million for the facility of line code Loans You have specified that this collateral s contribution to the overall Limit of the customer should be 50 000 The maximum amount that it can contribute to the overall limit of the customer as 60 000 Cap Amount Line Liability Liability Code Code Limit ee ORACLE Symphony Loans 1million Group Pool amount Collateral POOL code Cap Amount Collateral Code Collateral Contribution amount Pool linkage ABB 50 000 100 Pool1 60 000 50 000 Pool contribution to the line Line Line Line Pool Pool available Pool Pool Line contributio amount Cod Currenc Hae oe Code Currency x linkag n amount credit limit y e to line Pool contribution Pool1 USD Loan USD 100 50 000 1 05million s A Rise in Value The market value of Debentures2008 has increased to 55 which is a 10 increase over the old market price of 50 At the time you update the Market price of Debentures 2008 in the Securities Maintenance screen the revaluation pr
19. it should pass the product processor reference num ber 3 AmountTag AlphaNu Amount tag would be No meric 20 required when there are multiple utilization for the same reference number This tag would indicate which component needs to be deleted Technical Undo Special Delete This feature of gateway will allow the external system to rollback previous inputted transaction in Oracle FLEXCUBE ELCM This feature will be supported in Gateway Inbound online information required as part of Technical undo is also Transaction Id of the previous transaction Note As part of technical undo transaction information related to header needs to be passed and in body only previous Transaction ID needs to be passed Refer the Gateway Maintenance user manual for more details Increase Decrease Utilization Increase Decrease utilization transaction would be used to modify the utilization amount of the transaction This transaction will be used when customer is making payment for the loan or when the loan amount is modified Apart from the GW header information system requires following information S Field Name Dale Type Remarks Mandate No size ry 1 Utilization Refer AlphaNumeric Specifies Oracle FLEX No ence Number 16 CUBE ELCM utilization reference number 2 External Refer AlphaNu If the product processor Yes ence Number meric 50 does not have Oracle FLEXCUBE ELCM utiliza tion refe
20. use three characters from the branch code of the customer number and the rest six can be numbers E g bbbnnnnnn If branch code is not part of customer mask then maximum characters of number digit will be nine else it would be six characters and minimum characters of number digit would be four E g nnnnnnnnn If the customer number is less than nine digits then the system will left pad it with 0 i e zero Note Character b indicates the branch code and character n indicates number digits Bank Capital Specify the amount to calculate internal lending equivalent amount Limit Currency The System defaults the local currency of the bank Central Bank Lending Limit Specify the percentage of central bank lending limit Central Bank Lending Limit percentage of the bank capital is considered as limit amount allowed by the central bank The central bank lending limit percentage should be between 0 and 100 Internal lending Limit Specify the percentage of internal lending limit The internal lending limit percentage should be between 0 and 100 Note If Bank Capital is specified then Central Bank Lending Limit and Internal Lending Limit fields are mandatory Revaluate Currency Online Indicate whether the currency revaluation should be an online or a Batch EOD process Revaluation of the line amount takes place online if the parameter is set to online Revaluate Market Online Indicate whether
21. 0f1 3 z a CovenantName Description Mandatory Periodicity Period StartDate GraceDays Revision Date Notice Covenant Name Select the covenant name from the list available here The list displays the covenant names maintained in Covenant Maintenance screen Based on the covenant selected all other details of the covenant maintenance will be brought here Mandatory Mandatory Non mandatory details will be shown on choosing a covenant name You may change this Frequency You may change the frequency shown here on choosing a covenant name Grace Days You can change the Grace Days details which are displayed here on choosing a covenant name Notice Days Specify the notice days i e the number of days prior to next revision date of the covenant The period during the notice days will be the notice period Revision Date On save of the collateral record the Revision Date for the covenant is defaulted based on the Frequency and Due Date maintained in the Covenant Maintenance screen aA ORACLE 2 14 3 Maintaining Value Dates Details To maintain details regarding value dates click Value Date button Value date Details Value Date Details 1 Of 1 LimitAmount Value Dates Main Line Code Value dated limits for a particular facility are automatically populated in the above screen when you save the Facility The following
22. 2 57 2 14 13 Viewing Previous Credit Limit Changes cccccceecceeeeteteteeeeetnteeeeeneeae 2 58 2 15 Track Exposure Maintenance c cccecceceeeeeeeeeeeeeceeaeeeeeeeeeeeeesessennensieeeeeeeeess 2 61 2 15 1 Maintaining Value Date Exposure Details ccccccceeeteeeeenteeeeetennneeees 2 63 2 15 2 Viewing Exposure Records cccccccceeeeeeeeetnneeeeeeetnnneeeeeetnaeeeeertnaeeeeneeaa 2 64 2 16 Account Contract Balance Maintenance for Netting cceeeeeeeeeeeeeeetteeeeeeeeaes 2 66 2 17 Ear Marking Maintenance sia aea a A E AT EEEE 2 67 2 18 Global Block Exposure Maintenance ceccccceccecceeeeeeeeeeeseeeeencacaecaeeeeeeenees 2 68 2 18 1 Additional INfOrIMAtiON cccceeeeestceeceeeeeeeeeteceecnceecaeeeeeeeeeeeteeneeneenaees 2 70 2 19 Exception Queue Maintenance ccccccceeeeecececeeeeceeceeeeeeeeeeeeteesensneniecaeeneeeeeess 2 70 2 20 Exception Queue Slab Maintenance ccccececeeeeceeceeceeeeeeeeeteteeeenaecaeeeeeeereess 2 71 2 21 Global Exposure Parameter Details 0 ccccceceeeeeeeeceeceeeeeeeeeeeeseeesenseceeeeeeerens 2 72 2 22 Facilities Amount Transfer Maintenance c cccececceeeeeeeeeeeeeeeeaeeeeeeeenaeeeeenenaaes 2 76 2 23 Force Collateral Revaluation c ccccccccceceeeeeeeeeceeceeecaeceeeeeeeeeeesecesencaaeeeeeeeeeess 2 77 2 24 Multi Authorization Maintenance 1 ccccccecceeeeeeeeeeceecaeeeeeeeeeeeeeseceennesaee
23. Commitment Settlement Account Specify the settlement account details of the commitment PPC Project Id The system displays the PPC Project ID to which the facility is linked to PPC Ref No The system displays the PPC reference number to which the facility is linked to af ORACLE UDE Values UDE ID Specify the UDE ID of the commitment UDE Value Specify the UDE value of the commitment Rate Code Specify the rate code of the commitment Code Usage Specify the code usage of the commitment Commitment Ref No Specify the reference number of the commitment Effective Date Specify the effective date of the commitment Note You can use the above UDE details to upload commitment details to Oracle FLEXCUBE as a part of facility maintenance While uploading the commitment details you need to use the batch ELBCOMNT which is configured as part of EOD process 2 14 7 Maintaining Collateral Pool Linkages For collateral Contribution in Total Effective line amount the pool code maintained for that particular Liability id has to been linked which can be achieved using this sub screen From the Facilities Maintenance screen click on the Pool Links button Pool links Details 1 Of 1 30 z E Pool Code Pool Description Pool Currency PoolAmount Facility Branch Pool Percentage Facility Amount in P Pool Code Select the pool code from the adjoining li
24. Default value of this field will be Disallowed If you select restriction type as allowed then you need to input at least one record Source Specify the source from the adjoining option list Maintaining Haircut Schedules You can specify the hair cut revisions for the collateral in Haircut screen Click on Haircut Schedules button to invoke this screen 230 ORACLE 2 13 Haircut Maintenance 1 Of 1 Effective Date Haircut Percentage Effective Date Specify the date on which the Haircut will become effective from the adjoining option list Haircut Specify the Hair cut of the Collateral You can enter values between 1 to 100 Note System applies the haircut to the collateral on the schedule effective date during the BOD process of the collateral batch GEBCOLAT The following validations are performed during save For New operation e Effective date should be greater than the application date and start date of the collateral e Multiple Haircuts for the same effective date will not be allowed e Haircut chosen at the main screen gets defaulted as the first schedule with collateral start date as the effective date in the Haircut schedules sub screen For Modify operation e Effective date should be greater than the application date and start date of the collateral e Effective date should be less than the end date of the collateral e Dele
25. ELCM Following data will be replicated from Oracle FLEXCUBE to ELCM using GI module of Oracle FLEXCUBE Interface ID for Interface ID for Interface ID Error ence Number Replication Data el ares shila Record Refresh Branch IFFCCBRN IFFCIBRN IFFCEBRN Branch Holiday IFFCCBRNH IFFCIBRNH IFFCEBRNH Rates IFFCCRT IFFCIRT IFFCERT Product IFFCCPRD IFFCIPRD IFFCEPRD Customer IFFCCCIF IFFCICIF IFFCECIF Account TD IFFCCAC IFFCIAC IFFCEAC Commitment Refer IFFCCCOM IFFCICOM IFFCECOM Replicating Data from ELCM to Oracle FLEXCUBE As part of replication process following data will be replicated from ELCM to FCUBS Interface ID for Interface ID for Interface ID Error face Replication Data ee kan sll Record Refresh Liability IFELCLIAB IFELILIAB IFELELIAB Customer liability IFELCCIFL IFELICIFL IFELECIFL link Collateral IFELCCOL IFELICOL IFELECOL Collateral Pool IFELCCOLP IFELICOLP IFELECOLP Facility details IFELCFACT IFELIFACT IFELEFACT User IFELCUSER IFELIUSER IFELEUSER ELCM customer no IFELCCIFN IFELICIFN IFELECIFN Commitment Inter IFELCCOM IFELICOM IFELECOM Note Data generated from the above interfaces will be a part of ELCM batch file formats and the file name can be changed ORACLE 4 1 4 2 4 Queries Introduction The Queries module under the Menu Browser provides query functions for the fo
26. FIRE DAMAGE THIEFT etc that has been associated for that collateral Start Date Specify the start date for that insurance End Date Specify the end date for that insurance Revision Date Specify the date of revision of the insurance Notice Days On choosing a covenant name system defaults the Notice Days details i e the number of days prior to next revision date of the covenant You can modify this value The period during the notice days will be the notice period Insurance Premium Periodicity Select the premium periodicity of the insurance The list displays the following values e Daily e Weekly e Monthly e Quarterly e Half Yearly e Yearly Premium Status Specify the insurance premium status where in the premium status like normal overdue premium payment failure status etc can be specified Premium End Date Specify the end date of the premium payment Insurance Amount Specify the insured amount of the policy Insurance Currency Specify the insurance currency of the policy Cover Date Specify the date from which the insurance policy is valid The insurance cover date cannot be greater than the collateral expiry date 228 ORACLE 2 12 4 Insurance Code Specify the insurance code of the policy for which you want to capture insurance details Premium Currency Specify the currency of the premium to be paid Premium Amount Specify the amount of the premium to be paid Remarks Specify the
27. Facility Create Check this box to indicate that a facility should be created automatically for the given Liability number with line code as pool code Note This automatically created line code can be used to maintain limits for customer account in Account Limits screen if required For more details on maintaining Account Limits refer Core Entities User Manual Creating Collateral Pool Linkages Under Collateral Pool Linkages you can add the different collaterals pooled in for the particular Liability To add a new collateral click Plus button specify the relevant details and save the record To delete an existing collateral select it and then click Minus button and save the record While creating collateral pools remember the following e Collateral can be linked to more than one pool if the collateral amount available is not zero e A credit line can be backed by only one pool but a single pool can back multiple credit lines You must maintain the following details for each of the collateral Collateral Code Select the collateral code from the adjoining option list If the Linked Percent Number is specified on save of the record system defaults the Linked Amount calculated as Linked Percentage of Collateral Contribution If the Linked Amount is specified on save of the record system defaults the Linked Percent calculated as percentage of Linked Amount out of the
28. Of 1 Go Value Dates Exposure Amount For each record added here you must specify the following e Exposure Amount The value dated Exposure amount e Value Date The value date post which the mentioned amount is valid Viewing Exposure Records You can view exposure details using the Exposure Query screen You can invoke this screen by typing GESQEXPD in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button e E Search Advanced Search 9 Reset D Clear All Case Sensitive Exposure Name a7 Exposure Currency a Exposure Amount a Exposure Type la Utilisation type Utilization laa Exposure Effective Date m Exposure Expiry Date m E Exposure Freeze Type Exposure Rating a Authorization Status ee Revolving a Records per page 15 v 10f1 F Id Exposure Name Exposure Currency Exposure Amount Exposure Type Utilisation type Utilization Expos 4 pmm mule Utilization Details a ORACLE You can query on records based on all or any of the following criteria e Exposure Name e Exposure Amount e Exposure Currency e Exposure Type Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each exposure e ld
29. Oracle FLEXCUBE ELCM utilization reference number is not passed then system has to pass an External Reference Number Based on this number system will retrieve the Oracle FLEXCUBE ELCM utilization reference number and do the process Other processing will be same as New Utilization Process Set Balance of Utilization Transaction Set Balance Transaction will be used when an external system processes the Utilization Transactions and then during EOD or some point of time the final balance of the utilization transaction is given to the Oracle FLEXCUBE ELCM system Oracle FLEXCUBE ELCM system will update the balance of the utilization transaction and subsequent difference in the utilization amount will be updated at liability facility sector and country levels If there facility sector and country has a main line associated with it then the system will update the utilization details in all the main lines Apart from the Gate Way header information system requires following information A Field Name Data Type size Remarks iad 1 Utilization Refer AlphaNumeric Specifies Oracle No ence Number 16 FLEXCUBE ELCM uti lization reference number 6 13 ORACLE External Reference Number AlphaNu meric 50 If the product proces sor does not have Oracle FLEXCUBE ELCM utilization refer ence number then it should pass the prod uct processor refer ence number Yes AmountTag AlphaNu
30. Short Term Medium Term and Long Term loans as sub lines under the Main Line Loans It is only when you link these credit lines to the Credit Line Loans that it becomes a Main line Sub line Code STLOANS MTLOANS LTLOANS You can define a tenor list and have tenor based limits for both the Main Line and Sub lines So we shall also maintain tenor based limits for the sub line STLOANS as shown in the table below Sub line Tenor List Limit 30D 0 3M 60D 0 2M 90D 0 1M 20 ORACLE You can add to the list of tenors maintained for a Main Line by specifying the Tenor restriction under the head Tenor and clicking on the Plus button If you want to remove a tenor restriction from the list of tenor restrictions highlight it and click on the Minus button 2 14 10 Maintaining Source Restrictions You can specify which sources are allowed or restricted to access the facility in Source Restrictions screen Click on Source Restrictions button in Facilities Maintenance screen to invoke this screen Source Details Restriction Type Allowed Disallowed 1 Of 1 Source Description Restriction Type To maintain an allowed list of liability restrictions choose the Allowed option To maintain a disallowed list of liability restrictions choose the Disallowed option Default value of this field
31. Technical undo is also Transaction Id of the previous transaction Technical undo is not supported for Query and Notification transactions Gateway Batch Process Gateway Online processes are mainly used to process single transaction Gateway Batch process will be used when high volume of data needs to be transferred from external system to Oracle FLEXCUBE ELCM system or vice versa Communication format for the Gateway Batch process would be through ASCII file and data within the file is delimited with a Delimiter Character All interface transaction file formats are predefined in the Oracle FLEXCUBE ELCM system iia ORACLE 8 3 1 Gateway Batch Process provides two kinds of process Batch Inbound Process Batch Outbound Process Batch Inbound Process Oracle FLEXCUBE ELCM Batch Inbound process is used to upload large records As a batch operation the necessary input files will be fetched from the mentioned location path The Batch Inbound process can also be initiated from the following screen Batch Operations gt In Bound Batch gt detailed The following operations via input files will be supported as an Input Files Batch Operations Customer upload Utilization Upload Liability upload Facility upload Collateral upload Securities upload Rates upload Utilization Upload All the utilizations as part of Oracle FLEXCUBE ELCM Transaction functions are provided for as a part of Batch Inb
32. This field will be as part of Header section User ID Yes 26 Simulate Alphabet 1 Indicates if the transaction should be used only for simulation Possible Val ues Y simulate and N actual transaction Default value is N No ORACLE 6 5 6 5 1 Reverse Utilization Reverse Utilization transaction is used to reverse an authorized utilization transaction This is used when user customer wants to close the transaction Input Reverse Utilization Apart from the Gate Way header information the system requires following information SI No Field Name Data Type size Remarks Mandato ry 1 Utilization Refer ence Number AlphaNumeric 16 Specifies Oracle FLEX CUBE ELCM utilization ref erence number No External Refer ence Number AlphaNu meric 50 If the product processor does not have Oracle FLEXCUBE ELCM utiliza tion reference number then it should pass the product processor reference num ber Yes AmountTag AlphaNu meric 20 Amount tag would be required when there are multiple utilization for the same reference number This tag would indicate which component needs to be modified No 10 Modified Utiliza tion Amount Numeric Indicates the Increase Decrease Utilization Amount Yes 11 Utilization Cur rency AlphaNumeric 3 Indicated the currency of the util
33. Transaction Inner limit Report Branch Code ReportFormat PDF Printer At Client Report Output Print Printer a ORACLE 5 5 1 5 6 Branch Code Select the branch code from the option list The system generates the report for the selected branch code Contents of the Report The contents of this report are discussed under the following heads Header The Header carries the title of the report information on the branch and branch date user id the date and time the page number and module of the report Body of the Report This report contains details of ARM Name ARM Name CIF Number The customer identification number Customer Name The name of the customer Source Ac The account from which the amount is earmarked Destination Ac The account to which the amount is earmarked Earmarked Amount The total earmarked amount Expiry Date The expiry date Expired Limits Report You can invoke the Expired Limit Report screen by typing COREXPLM in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Expired Limits Report Branch Code Report Format PDF Printer At Client v Report Output Print Printer Branch Code Select the branch code from the option list The system generates the report for the selected branch code aa ORACLE 5 6 1 Contents of the Report The contents of this re
34. USD 46900 0 53100 00 Group 0 After the change in the exchange rate between the line currency and the currency of a contract utilizing the limit under the line due to this the utilization at the facility level is will changed Due to this change the utilization at the Liability level also gets changed as shown in the table below Li Liabilit Liabilit ON Availabilit oe ine iability iability es vailabili Liability Code Code Limit Currency Utilizatio y n Symphony Loans 100 000 USD 48400 0 51600 00 Group 0 Facility Currency and Collateral Currency Change in exchange rates between the Credit Line currency and the currency of the collateral When you update and authorize the exchange rates in the currency table the system scans all the collateral linked to a line bearing different currencies The collateral contribution is then converted the into the line currency using the latest exchange rates After the conversion the collateral contribution to the line is updated The calculated limit contribution of the collateral has to be linked to the pool This pool containing the pool amount will be linked to the Facility Hence any revaluation at collateral level will affect the pool amount Example You have defined a line for Loans on 01 January 2008 and linked the Liability Code Symphony Group to it The credit limit assigned to the credit line is USD 100 000 the facilit
35. Utilisation Whenever Utilization Transactions has been breached then the utilization transaction would require multiple authorizations Transactions which are breached can be authorized using UI Multi Auth screen Whenever utilization transaction has been breached this screen has to be used by the authorizer to either Accept or Reject the breached transaction The following fields mentioned below indicate all the values that will associated with the transaction The fields are all display fields and cannot be edited for a transaction using this screen Only Accept or Reject for authorization of the breached transaction is allowed Serial No Indicates the Oracle FLEXCUBE ELCM generated unique identifier for the transaction Utilization Reference Number Specifies the Oracle FLEXCUBE ELCM utilization reference number Customer Number Specifies the Customer Number of the utilization transaction Customer Number entered should be valid Customer Number in Oracle FLEXCUBE ELCM system Transaction Date Indicates the date and time when the transaction was entered in the external system Utilization Amount Indicates the Utilization Amount Utilization Currency Indicates the currency of the utilization transaction Currency code entered should be a valid currency code in Oracle FLEXCUBE ELCM system 218 ORACLE Liability Number Specifies the liability number of the utilization transaction Liability Number entered shoul
36. You can maintain details regarding credit rating agencies in the Credit Rating Agency Maintenance screen Using this maintenance you can record the credit rating codes published by each credit rating agency This can later be linked to Liability Maintenance GEDMLIAB for specifying customer rating published by an agency You can invoke the Credit Rating Agency Maintenance screen by typing GEDCREDT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Credit Rating Maintenance E New amp Enter Query Agency Name Agency Description Credit Rating Details 1 Of 1 Credit Rating Credit Rating Description Maker Date Time Checker Date Time Mod No Record Status Authorization Status Enter the following details Agency Name Specify the name of the credit rating agency here Agency Description Give a brief description of the credit rating agency here Credit Rating Details Specify the following here Credit Rating Specify the unique Credit Rating code ID Credit Rating Description Give a brief description of the Credit Rating code ID Note This is only for information and not for processing ee ORACLE 2 4 2 5 Maintaining User Defined Status You may wish to specify certain statuses for liabilities such as Normal Partially Defaulting Defaulting etc Such statuses can be maintained first in the U
37. are the details available e Value dated Limit Amount e Value Date after which the mentioned amount is valid You may modify this when required e Main Line to which the limit amount is linked to Note Value dated limits does not have any processing impact in the application 2 14 4 Tracking Exposure for a Line The facility defined can be tracked for particular exposures tS ORACLE 2 14 5 The exposure details can be captured for facility in the Exposure Details screen Click Exposure to invoke this screen Exposure Maintenance Exposure Details 1 Of 1 30 Exposure Name Description Exposure Name Select the exposure name from the list available here The list displays the exposure names maintained in Exposure Maintenance screen Based on the exposure selected all other details of the exposure maintenance will be displayed here Capturing Facility Maintenance Charges Details To capture facility maintenance charge details click Charges button Charges Maintenance Admin Charge Type Unutilized Charge Type Admin Charge Percent Unutilized Charge Percent Admin Charge Amount Unutilized Charge Amount Utilized Charge Type Utilized Charge Percent Utilized Charge Amount Admin Charge Type Administrations charges as a part of creation of new line can be specified here Charge can be a fixed amount or a percentage of the Li
38. category covenant for a particular covenant name the frequency is monthly and the due date is 15 Based on the date of creation of the collateral covenant category say 20 JAN 2008 the revision date will be 15 feb 2008 aola ORACLE 2 10 Covenants ws Covenant Name Description Revision Date Covenant Reference Number Mandatory 2 Covenant Name Specify a covenant name which is maintained in the Covenant Maintenance screen Description The description for the covenant as maintained in the Covenant Maintenance screen gets defaulted here based on the Covenant Name chosen Revision Date The system defaults the Revision Date for the covenant on save of the collateral category record based on the Frequency and Due Date of the covenant maintained in the Covenant Maintenance screen Covenant Reference Number Specify the covenant reference no for the collateral category being maintained Mandatory The mandatory field for the covenant as maintained in the Covenant Maintenance screen gets defaulted here based on the Covenant Name chosen Grace Days The grace days for the covenant as maintained in the Covenant Maintenance screen gets defaulted here based on the Covenant Name chosen This can later be linked to Collaterals Maintenance screen GEDCOLLT for choosing the collateral category while maintaining the collateral Issuer Maintenance A customer is g
39. e Exposure Name e Exposure Currency e Exposure Amount e Exposure Type e Tracking type e Utilization e Exposure Effective Date e Exposure Expiry Date e Exposure Freeze Type e Exposure Rating e Auth Status e Mod Number e Revolving Type e Available Amount e Revolving Amount e Block Amount Select particular record and click on Utilization Details button to open the Utilization Details screen You can invoke this screen by typing GESQEXPU in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Exposure Utilization Query S Search t Advanced Search 9 Reset 4 Clear All Records per page asie TOI Utilization ID CustomerNo LiabilityID LimitID Limit Type Booking Dated Utilization Amount Utilisation Curre 205 ORACLE 2 16 Account Contract Balance Maintenance for Netting To pool balances across accounts contracts for netting account contract balance information has to be maintained You can perform this maintenance in the Account Contract Balance for Netting screen You can invoke the Account Contract Balance for Netting screen by typing GEDACCNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Account Balance For Netting E New Enter Query Reference Number Liability Number Customer Number Currency Amount Value Dates Booking Date Expir
40. etc These securities can therefore be classified under different Collateral Types too For each security type that your bank accepts as collateral from the issuer you can specify a limit indicating the maximum exposure amount in value to the issuer for this security type When the total of the collateral given by the customer in the form of a particular collateral type exceeds the limit set for the Issuer the system will show you a notification You can define Issuer Limits for different collateral types under Issuer Limits You can maintain several collateral types here with their respective Limit Currencies and Limit Amounts Collateral Type Select the collateral type for which issuer limits are being specified Limit Currency Select the limit currency from the adjoining option list Limit Amount Specify the limit amount for that collateral type in the limit currency This can later be linked to Securities Maintenance screen GEDSECTY for choosing the issuer code while maintaining the security Securities Maintenance The credit facilities granted to the customers of the bank under a credit line can be backed by the securities that the customer offers as collateral You can maintain the details of all such securities in the Oracle FLEXCUBE ELCM system These details can then be used for determining the e Limit granted under a particular security e Credit worthiness of a security when it s used as collateral Si
41. following implications e The limit amount that has been specified for this Line Liability combination is taken to be in this currency e The line that has been defined will be available for Utilization only in the line currency unless specified otherwise under Currency Restrictions in this screen Once the entry is authorized you cannot change the currency If the limit allotted to this Line Liability combination can be utilized by accounts and transactions in currencies other than the limit currency the limit utilization will be arrived at by using the mid rate for the currency pair as of that day Category Select the facility category from the list available here The list displayed here is based on maintenance done in Category Maintenance screen Revolving Line Check this box to indicate that the credit line is Revolving A revolving credit line indicates that a repayment of the utilized credit should reinstate the credit limit of the customer You can modify the preference as required Netting Required This check box will be unchecked by default indicating that netting is not required for the facility You can check this box to enable netting for the facility 238 ORACLE Unadvised Check this box to indicate that the facility is unadvised Note Charges can be collected on the utilization transactions for facilities that are unadvised For this purpose SDEs ADVISED_LINE and COMMITMENT_CUR_UTIL can be used while
42. is as below Liability Code COCACOLA Facility Code COCALOANO1 Limit Amount USD Facility currency 1 000 000 peaa ORACLE Amount Utilized 500 000 Revolving Flag Yes Assume that you have paid the first installment of amount 100 000 principal using CL payment screen in Oracle FLEXCUBE and after processing the transaction the liability and facility details would be as below Liability Code COCACOLA Liability Currency USD Amount Utilized 100 000 000 Overall Limit 400 000 Note Since line linked to loan is revolving as part payment transaction ELCM would reduce amount utilized The facility details after processing the loan transaction is as below Liability Code COCACOLA Facility Code COCALOANO1 Facility currency USD Limit Amount 1 000 000 Amount Utilized 400 000 Revolving Flag Yes G26 ORACLE 7 1 7 2 7 2 1 7 Annexure 3 Revaluation Introduction Oracle FLEXCUBE ELCM caters to different types of currencies and collaterals backed by marketable securities Exchange rates and the value of marketable securities are driven by market forces and hence tend to fluctuate over a period of time Revaluation is essential to keep set limits realistic and to reflect the current market trends Revaluation can be of two types e Currency Revaluation The changes in the exchange rates of currencies involved in the active contracts and collateral linked to the Fa
43. is not developed or intended for use in any inherently dangerous applications including applications that may create a risk of personal injury If you use this software or hardware in dangerous applications then you shall be responsible to take all appropriate failsafe backup redundancy and other measures to ensure its safe use Oracle Corporation and its affiliates disclaim any liability for any damages caused by use of this software or hardware in dangerous applications This software and related documentation are provided under a license agreement containing restrictions on use and disclosure and are protected by intellectual property laws Except as expressly permitted in your license agreement or allowed by law you may not use copy reproduce translate broadcast modify license transmit distribute exhibit perform publish or display any part in any form or by any means Reverse engineering disassembly or decompilation of this software unless required by law for interoperability is prohibited The information contained herein is subject to change without notice and is not warranted to be error free If you find any errors please report them to us in writing This software or hardware and documentation may provide access to or information on content products and services from third parties Oracle Corporation and its affiliates are not responsible for and expressly disclaim all warranties of any kind with respect to third party con
44. of tenor restrictions for which you would like to limit your exposure e Assign limits for the Tenor restrictions Maintaining Tenor Restrictions for a Sub Line You can define a sub line tenor list and also define limits for each of them To recall a sub line falls under the umbrella of the Main Line to which it is linked Therefore the maximum tenor that you define for a sub line should not exceed the maximum tenor defined for the main line to which it is linked The limit amount that you define for each sub line tenor cannot be higher than the tenor limit defined for the main line to which it is linked aoa ORACLE Tenors and limits can be placed at both the sub line and main line levels But the maximum tenor of a sub line cannot exceed the maximum tenor defined for the main line to which it is linked Example You define a Line LOANS and link it to the Liability Code CREATIVITY INC the Liability and the Customer Code in this case are the same The limit set for this line LOANS is 1 million Main Line Code LOANS You define a credit limit of 1 million for Creativity Inc under this Credit Line You also specify the tenor Restrictions for the line to be the following 30D 60D and 90D Main Line Tenor List Limit 30D 0 5M 60D 0 3M 90D 0 25M The loans that this customer can avail can be further classified into Short Medium and Long Term Loans For our example we shall make
45. picked up from the Securities maintenance screen by the number of units of the security that constitutes the collateral Therefore while maintaining details of Marketable Collateral it is mandatory to specify the number of units of the marketable asset that constitutes the collateral If the security is nominal value based input the nominal value of the security If it is a units quoted security then enter the number of units of the security that the bank accepts as collateral Cap Amount As the price of marketable securities tend to fluctuate based on the forces of demand and supply specify an upper limit on the contribution of this security to the collateral value as a result of an increase in the price of the security This upper limit is called the Cap Amount The Cap Amount indicates that at any point in time the limit contribution of the collateral cannot 220 ORACLE 2 12 2 2 12 3 exceed this amount even though its actual computed value is much higher However if the actual computed value of the collateral is lower than the Cap Amount then the system picks up the collateral value as the actual computed value Price Code Specify the market price code E g NYSE NASDAQ based on which the revaluation price for collateral value calculation should be considered Last Revaluation Price The last market price based on which the collateral value was revaluated will be displayed here Next Reval Date Select the next
46. the product pro cessor reference number Yes Customer Num ber AlphaNu meric 11 Specifies the Customer Number of the utilization transaction Customer Number entered should be valid Customer Number in Oracle FLEXCUBE ELCM system Yes Liability Number AlphaNu meric 11 Specifies the Liability Num ber of the utilization trans action Liability Number entered should be valid Liability Number in Oracle FLEXCUBE ELCM sys tem Yes Facility Code AlphaNumeric 9 Specifies the Facility Code of the utilization transac tion Facility Code entered should be valid Facility Code in Oracle FLEX CUBE ELCM system Yes Facility Serial Number Numeric 2 Specifies the Facility Serial number of the utilization transaction Yes 10 Utilization Amount Numeric Indicates the Utilization Amount Yes 11 Utilization Cur rency AlphaNumeric 3 Indicated the currency of the utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system Yes 12 Utilization Prod uct Alphabet 10 Indicates External product code of the utilization transaction No 13 Tenor Basis Alphabet 1 Indicates the tenor bases of the transaction No 14 Tenor Numeric Indicates the tenor of the transaction No 15 Maturity Date Date Specifies the maturity date of the transac
47. to perform the authorization on Breached Transaction amount blocks e From Amount and To Amount For specifying the amount range to define the block of amount Global Exposure Parameter Details You can specify certain parameters relating to the End Of Day operations in the Limits amp Collaterals Parameter Details screen You can invoke the Global Exposure Parameter Detail screen by typing GEDPARAM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ae ORACLE Global Exposure Parameter Detail E New amp Enter query Maximum Process Number 1 Revaluate Currency Online Batch Rate Type STANDARD Online Currency System CRM System Maximum Retry Lock 5 Transaction Rate Range Mid Rate System Makerld Buy Rate System Checkerld Sell Rat _ Auto CNR pia Revaluate Market Online Batch Online E Exposure Tracking Holiday Treatment System Date B Next Working Day F Generate Customer Number UPD Utils Batch Customer Mask Online Bank Capital Block Facility on Status Limit Currency GBP Cb Lending Percent a es LAL RATCH PROCESS SFTIIP m Maker Date Time Checker Date Time Mod No Record Status Authorization Status The following details are maintained here System Maker ID and System Checker ID During the processing of user entries if the maker ID and checker ID is not mentioned then IDs specified here will b
48. type as Customer maintained in the Track Exposure Maintenance GEDTREXP screen The Customer to Liability Link Maintenance is mandatory when account for the customer is created using account class for which limit check flag is set as Y at preference sub system screen When account for the customer is created without maintaining liability and later the liability is created and linked to the customer the Limits tracking option at the cus tomer level would be automatically selected by the system Covenant Maintenance As a part of maintaining Collaterals Facilities you may collect certain required information and documents from the customer regularly Based on the information you may revise the collateral facility details The information or documents collected from the customer is termed as a Covenant You can maintain Covenant details in the Covenant Maintenance screen You can invoke the Covenant Maintenance screen by typing GEDCOVNT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Covenant maintenance E New E Enter Query Covenant Name Description Mandatory Yes No Frequency Yearly m StartMonth M Due Date On Notice Days Grace Days Remarks Maker Date Time Checker Date Time Mod No Record Status Authorization Status Covenant Name and Description Specify the Covenant Name for which informa
49. will be Disallowed If you select restriction type as allowed then you will have to input at least one record Source Specify the source from the adjoining option list Description Give a brief description about the System restriction here 206 ORACLE 2 14 11 2 14 12 Maintaining Mandate Details You can maintain mandate information for specific line codes using Mandate screen Click Mandate button on Facility Maintenance screen Mandate Details Line Code Line Serial 1 Mandate Details 1 Of 1 Ez E Collateral Type Min Available r You can specify the following details here Line Code Specify the line code for which the mandate has to be maintained The system displays the line code from the main screen of facility Serial Number The system displays the line serial number of the line code maintained Mandate Collateral Type Specify the collateral type required for validating mandate for the utilization transaction The option list displays all valid collateral types maintained in the system Choose the appropriate one You can add more rows to the list using add button Min Available Specify the minimum percentage of the specific collateral type to be collected while processing the utilization transaction against the line code specified The system verifies whether the mandate percentage of the line utilization amount i
50. 0 Max transaction amount 10 000 00 Max breach amount 1 20 000 00 If the utilization amount is greater than 10 000 00 INR then the system passes these transactions to Multi authorization stage For more details refer the section Credit Exception Management in the Process Flows document Inputted Transaction Amount Crosses the Breached Limit At Facility Maintenance you can specify a Maximum Breach Amount above which necessary approval is required from RISK department If the transaction has been breached i e the utilized and the breached amount are greater than the specified breached amount then the system passes this transaction to Multi authorization stage o ORACLE 6 2 3 6 2 4 In the above example if the utilized amount is greater than 1 20 000 00 then the system passes these transactions to Multi Authorization stage If the utilized amount is between 1 00 000 and 1 20 000 then the system throws an override Note If transaction is Force Authorized then the system will upload the transaction as authorized and the system will send the information to RISK department RISK department can t reject this transaction For more details refer the section Credit Exception Management in the Process Flows document Authorize Utilization A New Utilization transaction can be entered as Authorized Online or Unauthorized If the transaction is not authorized online then Oracle FLEXCUBE ELCM provides the facility to au
51. E AE 5 4 5 6 1 Contents of the Report arse ean h a a a a N 5 5 Annexure 1 Utilization Transactions cccccsssseeeeeeeeeeeeeeeeeeeeeeeeeees 6 1 6 1 MntrOduUCtION 5 204 eee chee a a e a eh na 6 1 6 2 New WiliZation an er n tasers Stee eee atin aateeg nn ada se eh ieee oaa Tania 6 1 6 27 Input Util Zation e a a a giiegdiad aaa pleads he aa rA 6 1 6 2 2 Validations for a New Utilization Process ccccecccccccececseseseseseaeseaeseeneneneees 6 4 6 2 3 Authorize Utilization o c ececccccccccccccccessseseecneseseseseeeenesssesesceccecesessesesesseananananes 6 6 6 2 4 Delete Utilization rinnan i a i ea Seat i ee 6 6 6 2 5 Technical Undo Special Delete s sssssnnsnsrnnnenernnnnnrnnnnnrnrnnnnrnnrrnnnnennns 6 7 6 3 Increase Decrease UtiliZAtion cccccccccccecececceeeeeeeeeaeaeaeaeaeaeeeeeseseeeceeeeeeeseeeeeeeess 6 7 6 3 1 Validations for Modify Utilization Process cccccccccteceeeeeetteeeeeeeenteeeeeeenaaes 6 8 6 4 Alter UtiliZation e r a e Soong a r a E a a ic dst a aae Aaaa ia 6 9 6 4 1 Input Alter UtiliZation e e a ara e A 6 9 6 5 Reverse Utill atiOM 2 2 rr aaea dass a e a taa ee aaeeea EE Eee a r daare ta ES 6 12 6 5 1 Input Reverse Utilization cccccccseccecceceeeeeeteceecnsenencaeeeseeeeeetteeseesiaatens 6 12 6 6 Set Balance of Utilization Transaction cccccceccessssesesesececeececeeeeeeeseeessesesaeaaaes 6 13 67 Query Utilization ss oe scacs ds ices ohn sehcegi enna thcagies dah dean
52. EDCULIK onssa 2 8 GESQSLIA 4 4 GEDDAUTH onosi 2 78 GESQYFAC 2 58 GEDEXPBL noiosi 2 68 1 ORACLE
53. EDEXPBL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 206 ORACLE Global Exposure Block Maintenance E New E Enter query Block No Branch 000 Exposure Name Exposure Description Block Currency Block Amount Effective Date Expiry Date C Auto Block Additional Information Customer Number Liability Number Remarks Line Code Maker Date Time Checker Date Time Mod No Record Status Authorization Status Block Number Specify a unique number for the block you are creating The system will not allow you to modify it after authorization of the maintenance Branch Specify the branch from which the block is being maintained You cannot change the branch after authorization of the maintenance Exposure Name Specify the exposure code for which the amount block is to be done The adjoining option list contains all the relevant codes Select the appropriate one Exposure Description The system defaults the exposure description here Block Currency Specify the currency in which the amount block is to be applied You cannot modify this once the maintenance has been authorized Block Amount Specify the amount to be earmarked This amount is deducted from the existing utilization of an exposure before additional utilization requests are processed Note It is also updated as the Block Amount in the Track Expo
54. ESQYFAC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 208 ORACLE Facilities Summary E Search t Advanced Search 9 Reset 4 Clear All Case Sensitive Authorization Status Record Status Mod Number a Line Code Line Serial Line Currency la Liability Number Records per page 15 v 10f1 P Authorization Status Record Status Id Mod Number Line Code Line Serial Liability Number Line Currency You can query on records based on all or any of the following criteria e Authorization Status e Mod No e Serial No e Line Currency e Limit Amount e Utilisation e Avl Flag e Expiry Date e Record Status e Line Code e Liability No e Eff Line Amount Basis e Eff Line Amount e Available Amount e Start Date e ID Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status 208 ORACLE e Mod No e Line Code e Serial No e Liability No e Line Currency e Eff Line Amount Basis e Limit Amount e Eff Line Amount e Utilisation e Available Amount e Avi Fig e Start Date e Expiry Date e ID To view any previous changes made to the credit limit double click the corresponding record A detailed screen appears containing changes made ant ORACLE Facilities Maintenance E
55. Equity Base Here you can specify the equity base for the security i e the total amount raised by the issue of this security This entry is for information purposes only For example Gem granites have come out with Debentures 98 and have raised US 1 Million through this issue This US 1M that Gem Granites has raised constitutes the equity base for Debentures 98 Price Increase Sensitivity and Price Decrease Sensitivity If the value of collateral is backed by a marketable security whose value is driven by market forces you may want to revalue the collateral so that its value reflects the current market price of the security which backs it To do so you should specify your sensitivity to the security The price sensitivity of a security is expressed as a percentage You should specify the percentage increase or decrease the upper and lower limits above or below the current market price which should trigger the revaluation process The revaluation process revaluates the collateral if the price of the securities that backs it fluctuates above or below the sensitivity you have defined Price Increase Sensitivity denotes the percentage increase in the market price that should trigger a revaluation of the Collateral This means if the current market price of the security alt ORACLE rises above the old market price by the percentage you have defined as the Increase sensitivity for the security then the revaluation process happens
56. Exposure Name Description Exposure Type Maker Date Time Checker Date Time Mod No Record Status Authorization Status Branch Code The branch code of the branch in which the Customer to liability link Maintenance is done gets defaulted here Customer Number Specify customer s number to whom the liability has to be linked Liability Number and Liability Name Specify the number and name of the Liability to be linked to the customer Customer Exposures Here you can specify different Exposure Types for the customer This allows you to track the exposure of a customer Multiple exposure names can be linked e g IT for Sector exposure INDIA for country exposure to track exposures e Exposure Type The exposure type for the exposure as maintained in the Track Exposure Maintenance screen gets defaulted here based on the Exposure Name chosen e Exposure Name Specify an exposure name which is maintained in the Track Exposure Maintenance screen e Exposure Description The description for the exposure as maintained in the Track Exposure Maintenance screen gets defaulted here based on the Exposure Name chosen 26 ORACLE 2 7 Note The Customer to Liability Link Maintenance is mandatory when limits tracking are required under any of the Oracle FLEXCUBE modules Inthe Customer Exposures section the exposure name LOV will display the exposures having utilization
57. ID is also passed and this Multitrip ID is passed to ELCM as part of utilization transaction As part of the utilization process in ELCM if same previous transaction overrides occurs then it is accepted and the transaction will be saved Transaction Status Dual Auth Oracle FLEXCUBE sends the utilization transaction to ELCM and while processing this transaction if any of the validation requires authorization then ELCM processes the transaction completely and sends dual auth details and marks the transaction status as Dual auth required ELCM plug in updates dual auth details in error object later as part of transaction process it updates dual auth details in Oracle FLEXCUBE tables It updates the Auth status for the dual auth error code as U Unauthorized if you try to authorize the contract Oracle FLEXCUBE will check whether contract has any unauthorized dual auth error code If yes the system does not allow contract to be authorized till all dual auth error codes are authorized In ELCM if any error code requires dual authorization the system triggers credit exception management process flow You are allowed to accept or reject the validation dual auth error code On accept or reject of the validation code ELCM handoffs these details to JMS queue and ELCM out adapter is used to invoke Oracle FLEXCUBE WS for updating status of dual auth error code Authorization of utilization transaction All utilization transactio
58. KED etc from the list available here The list displayed here is based on maintenance done in User Define Status Summary screen Status Changed Date Specify the date on which you wish to change the status You can specify a date before the line start date to block the line till the specified date Also you can set a date prior to the application date Internal Remarks Specify the internal remarks as limits terms and conditions al ORACLE Amounts Specify the following details Limit Amount Specify the limit for the facility If you have maintained schedules for limits the system automatically updates the limit amount here on the dates specified for each limit in the schedule Note The charges can be collected on facility limit amount change In this case commitment contract created should be capable of charging the customer on the facility limit amount change For this purpose SDE INCREASED_PRINCIPAL can be used while setting up the charge rule at the CL product creation level LIMIT_AMOUNT can be used while setting up the IC rule for interest calculation based on facility limit amount Collateral Amount System defaults the Collateral Amount on save based on the pools linked in the Pool Links sub screen Transfer Amount System displays the transfer amount resulting from Facilities Amount Transfer transactions The value displayed has either the sign or indicating whether the amount is transfe
59. LCM plug in updates the transaction error objects which ELCM error code as part of transaction process Later Oracle FLEXCUBE checks the error object and subsequently raises error as part of contract process As part of the transaction process if ELCM process is failed then ELCM error details are displayed to the user Note All error code of ELCM are available as part of the Oracle FLEXCUBE bres ORACLE 6 12 2 3 6 12 2 4 6 12 2 5 All ELCM error codes starts with EL Transaction Status Override Oracle FLEXCUBE sends the utilization transaction to ELCM and while processing this transaction if any override occurs in such cases ELCM would generate override reference number Multitrip ID and log override details along with Multitrip ID for further reference It marks the final transaction status as override and override details only with Multitrip ID is passed to Oracle FLEXCUBE for further processing ELCM plug in would updates override details in Oracle FLEXCUBE error object it also logs the status and Multitrip ID as part of log table later as part of transaction process Oracle FLEXCUBE checks the error object and subsequently raises transaction status as override Note If overrides occur as part of transaction process then the system displays the override de tails to the user You have an option to accept or reject the overrides If the override occurs as part of the request XML Multitrip
60. M e New Utilization e Increase Utilization e Decrease Utilization e Alter Utilization e Reverse Utilization e Mature e Set balance e Query Utilization Each of the above utilization transactions apart from Query transaction has the following sub transactions e Input Utilization e Authorize Utilization e Delete Utilization e Technical undo Special delete New Utilization The process wherein a facility is given to a customer and is utilized by the customer is called a Utilization Process Utilization Process is termed as a New Utilization when the customer utilizes his facility in a new transaction A New Utilization Transaction can arise from any kind of transaction like Loan input Letter of credit input Bill Collection input foreign exchange deal input etc New utilization involves the following actions e Input Utilization e Authorize Utilization e Delete Utilization e Technical undo Special delete Input Utilization New Utilization process increases the Utilization Amount and decreases the Available Amount for the associated Liability Facility or Exposure If the Liability Facility Sector 6 1 ORACLE Facility Or Country Facility has an associated Main Line then the utilization will reflect at all the parent levels Following data are input for a New Utilization transaction SI No Field Name Data Type size Remarks Mandatory 1 Source AlphaNumeric 35 Indicates the pro
61. Market price revaluation should be Online or Batch Market price based security Revaluation takes place online if the parameter is set to online UPD Utils Specify whether Value date utilization updating can be Online or Batch Value date updating takes place online if the parameter is set to online 2 ORACLE Block Facility on Status Indicate whether depending on the worst status of a liability the EOD process should block the facility or not Rate Range Specify the rate Mid Rate Buy rate Sell rate which has to be considered during all Conversion Amount calculations in Oracle FLEXCUBE ELCM Batch Process Indicate whether the EOD Batch Process should be set up as part of the Database Server or the Application Server Application server is the recommended choice Holiday Treatment The revaluation process for the securities collaterals and covenants may fall on a bank holiday You can specify which of the following actions must be taken in such cases e System Date Choose this to indicate that only collaterals with a Reval Date prior to or same as the system date will be considered for revaluation e Next Working Date 1 Choose this to indicate that all the collaterals with the Reval Date prior to or same as the day before the next working date will be considered The EOD process closes all the active non revolving lines automatically when the check box Auto CNR is checked Example Limits Revolvin
62. Oracle FLEXCUBE ELCM system Increase decrease utilization would only modify only the utilization amount Input Alter Utilization Oracle FLEXCUBE ELCM will internally reverse the previous transaction and upload Alter Utilization as a new utilization New Utilization process will increase the utilization amount and decrease the available amount for the associated liability liability facility sector facility and country facility If the liability facility sector facility or country facility has an associated Main Line then the utilization will be recored at all the parent levels Following data will be captured for a Alter Utilization transaction 2 Field Name Data Type Remarks Mandate No ry 1 Source AlphaNu Indicates the product pro Yes meric 35 cessor name from where the transaction has been originated This field will be as part of Header section Source Code 2 TxnID AlphaNu Indicates the Transaction Yes meric 50 Id of the message Trans action Id should be unique across the system This information is captured as part of header 3 Action Alphabet 10 Indicates the transaction Yes type This field will be as part of Header section operation Code a ORACLE Utilization Branch AlphaNumeric 3 Indicates the transaction branch This field will be as part of Header section Branch code Yes External Refer ence Number AlphaNu meric 50 Specifies
63. Remarks This is the additional comments associated with the covenant 5 4 Collateral Review Report You can invoke the Collateral Review Reports screen by typing CORCOLRWV in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Collateral Review Report Report Format Report Output RAE Print Printer At Client v Printer ORACLE 5 4 1 Contents of the Report The contents of this report are discussed under the following heads Header The Header carries the title of the report information on the branch and branch date user id the date and time the page number and module of the report Body of the Report This report contains details of Liability ID Indicates the liability ID Customer Name Indicates the name of the customer Collateral ID Indicates the ID of the collateral Expiry Date Indicates the date of expiry Pool Code Indicates the pool code Pool CCY Indicates the currency of the pool Pool Amount Indicates the pool amount Balance Indicates the balance Line CCY Indicates the line currency Line Amount Indicates the line amount 5 5 Ear Mark Transaction Inner Limit Report You can invoke the Ear Mark Transaction Inner Limit screen by typing COREARMT in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button Ear Mark
64. Serial Number Description Line Code Mandatory Revision Date E Frequency Start Date E Grace Days Notice Days Due Date On Covenant Reference si Bs EA EA Advanced Search Records per page 15 ig EEEE ml Of 1 ist eal W Covenant Name Description Liability Number Line Code Serial Number Mandatory Grace Days Revision Date Notice Days Frequer The Collateral Covenants Query allows you to query the covenants associated with a particular collateral Details including the collateral code liability number last revision date notice days for the covenant can be viewed You can invoke the Collateral Covenants Query screen by typing GESQCCNV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Be ORACLE Collateral Covenants Query Case Sensitive Liability Number Covenant Reference Number Covenant Name Mandatory Revision Date Frequency Records per page 15 v 10f1 Liability Number Collateral Code Covenant Reference Number amp Search t Advanced Search 9 Reset D Clear All 4 7 Collateral Code Due Date On Description Grace Days Notice Days Start Month Transaction Type Due Date On Start Date Coy
65. Type Indicate the Collateral Exposure Type from the following e Secured e Unsecured e Liquid Type Asset Type Specify the asset type here Tangible or intangible ORACLE 2 9 1 Frequency Select the frequency with which the collateral has to be revaluated You can select one of the following e Yearly e Half Yearly e Quarterly e Monthly e Weekly e Daily Start Month If the Frequency select is Yearly Half Yearly Quarterly or Monthly then specify the start month here Due Date On Specify the number of days after which the covenant needs to be reviewed Collateral Haircut Category Here you can maintain several collateral haircut categories for use in the credit risk mitigation process Multiple haircut records for same collateral category can be maintained Specify the following haircut details for each record e Haircut Name and Description e Haircut Percentage Specify the final Haircut offset margin e Primary Select a haircut as the primary haircut value for the Collateral Category Remarks Specify the remarks about the collateral category maintenance Maintaining Covenant Details for Collateral Category To maintain the Covenant details for the Collateral Category use the Collateral Category screen Invoke this screen by clicking Covenant button The Revision Date for the covenant is generated based on the Frequency and Due date For example if the collateral
66. User Guide Oracle FLEXCUBE Enterprise Limits and Collateral Management Release 12 0 0 0 0 October 2013 Oracle Part Number E51544 01 ORACLE FLEXCUBE Enterprise Limits and Collateral Management User Guide October 2013 Oracle Financial Services Software Limited Oracle Park Off Western Express Highway Goregaon East Mumbai Maharashtra 400 063 India Worldwide Inquiries Phone 91 22 6718 3000 Fax 91 22 6718 3001 www oracle com financialservices Copyright 2007 2013 Oracle and or its affiliates All rights reserved Oracle and Java are registered trademarks of Oracle and or its affiliates Other names may be trademarks of their respective owners U S GOVERNMENT END USERS Oracle programs including any operating system integrated software any programs installed on the hardware and or documentation delivered to U S Government end users are commercial computer software pursuant to the applicable Federal Acquisition Regulation and agency specific supplemental regulations As such use duplication disclosure modification and adaptation of the programs including any operating system integrated software any programs installed on the hardware and or documentation shall be subject to license terms and license restrictions applicable to the programs No other rights are granted to the U S Government This software or hardware is developed for general use in a variety of information management applications It
67. Utilization Price Auth status Record Status The total number of exposure for the customer can be viewed It also shows the Sum of Amount Utilization in local currency branch currency You can invoke the Utilization Transaction Query screen by typing GESQSLIA in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 44 ORACLE 4 5 Utilization Transactions Query E Search t Advanced Search 9 Reset 4 Clear All Case Sensitive Liability Number a7 Liab Branch a Line Code a Utilisation Currency a Record Status a Utilisation Branch a Customer Number a gt Authorization Status a Records per page 15 v 10f1 i Liability Number Liability Name Liab Branch LBL_LIABILITY_CCY Overall Limit Line Code Line Serial Util Covenants Queries You can perform the following queries for covenants in the system The Facility Covenants Query allows you to query the covenants associated with a particular facility Details including the line code liability number last revision date notice days and so on for the covenant can be viewed You can invoke the Facility Covenants Query screen by typing GESQFCNV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Ta ORACLE Facility Covenants Query Covenant Name Liability Number
68. a specified period From and To Facility Currencies System will default the names of the from facility currency and to facility currency when the From Line amp To Line are chosen respectively For effective line transfer from one line to another the currency of both the lines has to be the same ate ORACLE 2 23 From Facility Start Date and End Date System will default the from facility start date and from facility end date when the From Line is chosen To Facility Start Date and End Date System will default the To Facility Start Date and To Facility End Date when the To Line is chosen From Facility Available Amount and To Facility Available Amount System will default the From Facility Available Amount and To Facility Available Amount when the From Line amp To Line are chosen respectively Effective From Date and Effective To Date Specify the Effective From Date of transfer i e the date from when the transfer of limits will be effective Specify the Effective To Date of transfer i e the date till when the transfer of limits will be effective This date must be greater than the Effective From Date Transfer Amount Specify the transfer amount to be transferred from the From Line to the To Line from the Effective From Date onwards Force Collateral Revaluation You can run the Ad hoc revaluation process for market based collaterals using the Ad Hoc R
69. ability is created Bank will assess the credit rating for the liability You can link all the rating parameters to which the liability is associated to in the Liability Credit Rating screen Click Credit Rating button to invoke this screen Credit Rating TOI T Agency Name Credit Rating Primary Here you can select the Credit Rating Agency its Credit Rating for the liability Out of all the Credit Ratings you may select one as the primary rating for the Liability You can maintain multiple score parameters for a single Liability Agency Name Select the credit rating agency name from the adjoining option list Credit Rating Select the credit rating from the adjoining option list Primary Select one of the Credit ratings as the primary rating for liability a ORACLE 2 6 Maintaining Customer to Liability Link You can link customers to liabilities using the Customer to Liability Link Maintenance screen Multiple customers can be linked to a liability But a customer cannot be linked to multiple liabilities You can invoke the Customer to Liability Link Maintenance screen by typing GEDCULIK in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Customer to liability link Maintenance E New E Enter Query Branch Code Customer Number Liability Number Liability Name Customer Exposure 10f1 E
70. also allows you to define a limit for a particular exposure This means that when the utilization exceeds the limit you will have to provide a confirmation for process to proceed You can invoke the Track Exposure Maintenance screen by typing GEDTREXP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 261 ORACLE Track Exposure Maintenance X E New E Enter Query Exposure Name Exposure Type Description Utilisation type Customer Exposure Currency Trensaction Exposure Amount Revolving Block Amount Utilization Exposure Effective Date Exposure Renewal Date Exposure Expiry Date C Freeze Exposure Rating Remarks Available Amount Value Date Exposure Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status Exposure Name Specify the Exposure name The name maintained in this screen can be linked in the Customer to liability link Maintenance screen if the Utilization type is Customer and it can be linked in the Facilities Maintenance screen if the Utilization type is Transaction to make exposure tracking possible It is possible to track a customer in multiple exposures For this multiple exposure names should be linked to the Customer to liability link Maintenance screen Description Provide a brief description of the exposure here Exposure Type Specify what kind of
71. ance for Netting screen will be updated in the Netting Contribution field for the specific facility for which Netting required checkbox is enabled This is only for information and not for processing You can have the Facility to display the Netting Amount in the Netting Contribution screen For more details on this feature refer the section Including Netting Amount in Facility s Netting Contribution in this document Note Limits tracking at liability level is based on liability tracking at the parameterization level Ifthe liability tracking is enabled then the system allows you to track the limit at the liability level Disabling liability tracking does not allow tracking limits at liability level Specifying Liability Scores When a Liability is created Bank will assess the credit score for the liability You can link score parameters in the Liability Score screen Here you can also assign a score value to each You can maintain multiple score parameters for the single Liability To invoke the Liability Score screen click Score button 26 ORACLE 2 5 2 Liability Score 1 Of 1 T Score Name Score Description Liability Score Score Name Select the score name from the adjoining option list Score Description Give a brief description on the liability score Score Specify the liability score here Specifying Liability Credit Rating When Li
72. ank are not allowed to use the line Once you choose restriction type as Allowed you can disallow a branch s from using this line by selecting code that identifies the branch and clicking on the Minus button You can remove the restrictions earlier imposed on a branch i e to allow a restricted branch usage of the limit under this line To allow a restricted branch usage of a line select the code that identifies the branch from the option list and click on the Plus button Maintaining Currency Restrictions for a Line Just as you can restrict the limit defined for a line to specific customers branches and products you can restrict it to specific currencies Once you choose the restriction type as Allowed select the currencies to which you would like to restrict application from the available option list The list of currency codes you choose in this field will be described in the adjacent column To remove a currency from the list of allowed currencies highlight the currency code and click on the Minus button To add a currency to the list of allowed currencies click on the Plus button and choose the currency from the option list available Maintaining Exposure Restrictions for a Line You can also define the types of exposures that should be allowed or disallowed for a line Based on the list you maintain the system will display an error message if a utilization request with a transaction e
73. ateral pool can be linked to a Liability while creating credit limits Pool Description Specify a brief description of the collateral pool here Pool Currency Specify the currency in which the Collateral Pool has to be maintained Available Amount On save of the collateral pool record system defaults the available amount for the collateral pool It is the difference between Pool Amount and Pool Utilized Description Collateral Pool Linkages The description for the collateral as maintained in the Collaterals Maintenance screen gets defaulted here based on the selected Collateral Code Order Specify the order for collateral utilization Type The type for the collateral as maintained in the Collaterals Maintenance screen gets defaulted here based on the selected Collateral Code Branch Code The branch code for the branch where the collateral is maintained in the Collaterals Maintenance screen gets defaulted here based on the selected Collateral Code Collateral Utilization System updates the collateral utilization for each of the collateral codes linked in the Collateral Pool Linkages based on the utilization when the collateral pool comprising the collateral is linked to the facility d ORACLE 2 13 1 Mortgage Initiated This option will be checked automatically for collateral and collateral pool created as a result of authorization of mortgage account and you cannot modify it Auto
74. authorized online or not Possible val ues are A Authorize online and U upload transaction as unauthor ized Default value is U 24 Force Authori Alphabet 1 Indicates whether transac No zation tion should ignore the overrides occurred in the process or not Possible values Y force author ize and N not force authorized Default value is N 25 User ID AlphaNumeric 11 Specifies valid Oracle Yes FLEXCUBE ELCM user id who is performing the operation This field will be as part of Header section User ID 26 Simulate Alphabet 1 Indicates if the transaction No should be used only for simulation Possible Val ues Y simulate and N actual transaction Default value is N 27 Block Refer Alphanumeric 50 Specifies a valid block No ence Number number for a facility If lia bility and facility details for new utilization and the facility match the ear marked amount corre sponding to the block maintained for the facility is made available for the new utilization 6 2 2 Validations for a New Utilization Process Apart from the mandatory checks system performs the following validations Transaction ID should be unique Action code should be a valid Oracle FLEXCUBE ELCM action code Source and User should be valid in Oracle FLEXCUBE ELCM system and should have the rights to perform the action Utilization Bra
75. cility affects the Credit Limit under the facility e Collateral Revaluation A change in the market price of a marketable security backing collateral causes a revaluation of the collateral amount Currency Revaluation Currency revaluation is triggered off as a result of the cases explained in the sections explained below Facility Currency and Utilization Currency Consider that a change takes place in the exchange rate between the line currency and the currency of a contract utilizing the limit under the line Due to this change in exchange rate revaluation takes place in two in the following two stages Stage 1 Currency Revaluation occurs between utilized contract and the credit line of the facility In the Currency Rates Screen of the Core services module you can maintain exchange rates for currency pairs that your bank deals with Along with this you can also specify the Mid Rate and the Buy or Sell Spread for various currency pairs After you update and authorize the new exchange rates they become effective While defining a credit line for a facility you have the option of maintaining currency restrictions for the line If you do not specify currency restrictions for a facility then contracts having currencies other than the facility currency can utilize the limit under the credit line The revaluation process is applicable for such a line If the above conditions hold good then a change in the exchange rate will tri
76. collateral value Example Collateral is valued at 1000 and you wish to offer the customer credit only worth 980 This amount is 98 of the collateral contribution 1000 980 1000 2 is the Hair cut percentage This means you want to have a lendable margin of 98 For instance if you enter the lendable margin percentage then based on the value you enter the hair cut will be calculated as described above and the limit contribution will be calculated Start Date and End Date Specify the tenor of the collateral using the Start Date and End Date fields The collateral is considered effective only during this period The start date indicates the date from which the collateral becomes effective The end date that you specify indicates the date on which the collateral ceases to exist On the end date the credit limit of the credit line backed by the collateral will be reduced by the amount that the collateral contributes to the credit line eee ORACLE 2 12 1 Revaluate Collateral Select the check box if the collateral is to be revaluated Revaluation Date Specify the date on which the next revaluation has to be done Revision Date Specify the date on which this collateral has to be revisited for review Taken Over Collateral Taken Over Collateral is checked if the collateral linked to CI CL account is taken over Interest Rate The interest rate to be applied if the customer uses overdraft facility against the co
77. ct or account and not through a facility Pool Utilized This field displays the pool amount that has been linked to a various credit lines hence displaying the total pool amount utilized at any point in time Linked Amount Pool Currency System defaults the Linked Amount Pool Currency for each of the collaterals added in the Collateral Pool Linkages as the linked amount in the pool currency For Example you have linked the pool LOANP001 to the liability BIRLAO0001 LOANPOO1 is in turn backed by the following collaterals Collateral Code Ccy Collateral Amount Linked Amount ISDP16924 DEM 100 000 75 000 AC777228 GBP 55 000 55 000 COLSHRS15 INR 2 000 000 1 500 000 COLHS819 USD 1 500 000 1 500 000 Now the pool currency specified is USD Therefore the system does the necessary calculations and converts the linked amount into the currency of the pool and displays the pool amount in the respective field Linked Percent Number The part of the collateral amount which has to be linked to the pool can be specified as a percentage here On save of the record if Linked Percent Number is specified system defaults the Linked Amount calculated as Linked Percent Number Percentage of Collateral Contribution Available Interest Rate The interest rate maintained for the collateral code in Collateral Type Maintenance screen gets defaulted here Interest Spread Specify the in
78. cts and currencies You can define these restrictions in the Limits Restrictions screen To invoke this screen click Limit Restrictions button from the Facilities Maintenance screen aay ORACLE Restriction Maintenance x Restriction Type Allowed Restriction Type Allowed Disallowed Disallowed Customer Restrictions Currency Restrictions 1 Of 1 Go E 1 OF 1 Go Customer Number Short Name 5 Currency Code Currency Name 5 RestrictionType Allowed Restriction Type Allowed Disallowed Disallowed Branch Restrictions Product Restrictions E 10f1 Go 10f1 Go z Branch Code Branch Name P Source Product Code Product Description Restriction Type Allowed Disallowed Exposure Restrictions 1 Of 1 Go l z Exposure Name Description Restriction Type Select the restriction type for each restrictions defined for the facility from the following options e Allowed e Disallowed e Customer Restrictions Customer Number Specify the customer number for the Customer Restriction 200 ORACLE 2 14 8 1 Short Name System displays the short name for the customer as maintained in the Customer Maintenance screen based on the selected Customer Number Currency Restrictions Currency Code Specify the currency code for the Currency Restrictio
79. cy USD e Limit Amount 50000 e Schedules Limit Date Limit Amount 15 Jul 2009 60000 28 Jul 2009 65000 30 Jul 2009 75000 AA ORACLE 15 Aug 80000 2009 System Date 14 Jul 2009 Limit Amount 50000 On 14 Jul 2009 EOD limit revision process picks the 15 Jul 2009 schedule and update 60000 as limit amount The revised limit is enforced or effective on 15 Jul 2009 System Date 15 Jul 2009 Limit Amount 60000 Schedules Limit Date Limit Amount 15 Jul 2009 60000 28 Jul 2009 65000 30 Jul 2009 75000 15 Aug 80000 2009 System Date 27 Jul 2009 Limit Amount 60000 Next working Day 30 Jul 2009 On 27 Jul 2009 EOD the limit revision process picks 28 Jul 2009 and 30 Jul 2009 schedules and update 75000 as limit amount The revised limit is enforced effective on 30 Jul 2009 System Date 30 Jul 2009 Limit Amount 75000 Schedules Limit Date Limit Amount 15 Jul 2009 60000 28 Jul 2009 65000 30 Jul 2009 75000 15 Aug 80000 2009 2 14 2 Specifying Covenant Details The covenant details can be captured for facility in the Covenant Details screen Click Covenants to invoke this screen aan ORACLE Multiple covenants can be entered in the screen shown below You can customize the details of each covenant recorded here Covenant Details Covenant Details 1
80. d You can modify these defaulted values Collateral Types Maintenance Collateral Types maintenance is used to capture all types of Collateral which your bank accepts Collateral Types information would be required when creating a new collateral in the system You can maintain Collateral Types in the Collateral Types Maintenance screen You can invoke the Collateral Types Maintenance screen by typing GEDCOLTY in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button This maintenance is at done at the bank level and all branches would be able to access this information aro ORACLE 2 9 Collateral Types Maintenance EY New E Enter Query Collateral Type Description Interest Rate Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status Collateral Type Specify the Collateral Type A maximum of 20 characters are allowed in this field Description Give a brief description of Collateral Type A maximum of 50 characters are allowed in this field Interest Rate Specify the interest rate to be applied on the customer account when customer uses the overdraft facility against the collateral type This can later be linked to Collateral Category Maintenance screen GEDCOLCA Issuer Maintenance screen GEDISSUR and Securities screen GEDSECTY for choosing the collateral type Collateral Cate
81. d be valid Liability Number in Oracle FLEXCUBE ELCM system Line Code Specifies the facility code of the utilization transaction Facility Code entered should be valid Facility Code in Oracle FLEXCUBE ELCM system Serial Number Specifies the facility serial number of the utilization transaction Facility Currency Specifies the facility currency Facility utilization Indicates the facility utilization amount Utilization Branch Indicates the transaction branch Utilization Product Indicates external product code of the utilization transaction This is only if the utilization has been done from an external product Value Date Specifies the value date of the transaction If value is not passed then system will default to Oracle FLEXCUBE ELCM present branch date Source Indicates the product processor name from where the transaction has been originated This field will be as part of Header section Source Code This is only if the utilization has been done from an external product Utilization status Indicates the utilization status possible values are A Active R Reverse L Liquated Delete Indicates whether the transaction is deleted or not If the check box is selected then it is deleted Liability Currency Specifies the liability currency Liability utilization Indicates the liability utilization amount Exception Queue Specifies the exception queue in which transaction has been parked Error Code Specifies th
82. d in the system Choose the appropriate one The child liability s overall limit amount should not exceed the parent liability s overall limit amount During Utilization transaction the utilization is tracked for both the specified Liability and also the parent Liability to which it is linked Liability Branch Specify the branch in which liability is associated Liability Currency Specify the currency with which the liability is associated If Liability currency is different from Limit currency specified in Global Exposure Parameter then the Liability amount is converted to the limit currency Overall limit amount 1 of the customer liability exceeds the maintained Internal Lending Limit Equivalent Amount 2 Note You can modify the Liability Currency after authorization if There are no lines collaterals or collateral pools linked to the liability The liability is not utilized The liability is not the parent liability for another child liability Utilization Amount This field displays the utilized amount for that liability Id at any point in time You cannot edit this display Revision Date Specify the date on which your bank would wish to revise the limit for the liability The limit check will continue irrespective of the date maintained here The revision date must be greater than the start date and can also be left blank Credit Rating The primary credit rating maintained in the credit rating sub sc
83. duct pro cessor name from where the transaction has been originated This field will be as part of Header sec tion Source Code Yes TxnID AlphaNumeric 50 Indicates the Transaction Id of the message Trans action Id should be unique across the system This information is captured as part of header Yes Action Alphabet 10 Indicates the transaction type This field will be as part of Header section operation Code Yes Utilization Branch AlphaNumeric 3 Indicates the transaction branch This field will be as part of Header section Branch code Yes External Refer ence Number AlphaNumeric 50 Specifies the product pro cessor reference number Yes Customer Number AlphaNumeric 11 Specifies the Customer Number of the utilization transaction Customer Number entered should be valid Customer Num ber in Oracle FLEXCUBE ELCM system Yes Liability Num ber AlphaNumeric 11 Specifies the Liability Number of the utilization transaction Liability Num ber entered should be valid Liability Number in Oracle FLEXCUBE ELCM system Yes Facility Code AlphaNumeric 9 Specifies the Facility Code of the utilization transac tion Facility Code entered should be valid Facility Code in Oracle FLEX CUBE ELCM system No 6 2 ORACLE 9 Facility Serial Nume
84. e Global Exposure Block Maintenance screen is displayed here Utilization System displays utilization for the exposure here Exposure Effective Date Specify the effective date after which the maintained exposure becomes valid or applicable Exposure Renewal Date Specify the exposure Renewal date This is only for information purposes Exposure Expiry Date Specify the expiry date after which the maintained exposure is not applicable for tracking Freeze Select this check box to indicate that the exposure will be frozen and during utilization Exposure tracking will not be allowed for such an exposure i e Utilization under such exposures will not be allowed Exposure Rating Specify the rating of the exposure e g Sovereign rating This is only for information purposes Remarks Add remarks about the track exposure maintenance if any Available Amount This is the limit amount that is considered when processing utilization requests for an exposure It is the amount available after taking into account previous utilizations and amount block earmark in force for an exposure It is calculated as shown below Exposure Available Amount Exposure Limit Amount Utilization Exposure block amount Maintaining Value Date Exposure Details Value dated exposure can be specified using the Value Date Exposure screen Click Value Date Exposure to invoke this screen 208 ORACLE 2 15 2 Value Date Exposure 1
85. e Decrease Utilization Amount Yes 11 Utilization Cur rency AlphaNumeric 3 Indicated the currency of the utilization transac tion Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM sys tem No 21 Transaction Initi ated Date Date Indicates the date and time when the transac tion was entered in prod uct processor Yes ORACLE 6 9 22 Value Date Date Specifies the Value date No of the transaction 23 Authorization Sta Alphabet 1 Indicates whether trans No tus action should be author ized online or not Possible values are A Authorize online and U upload transaction as unauthorized Default value is U 24 Force Authoriza Alphabet 1 Indicates whether trans No tion action should ignore the overrides occurred in the process or not Possible values Y force author ize and N not fore authorized Default value is N Utilization Transaction Screen All utilization requests explained above can also be raised through the Limit Utilization screen You can invoke the Limit Utilization screen by typing GEDUTILS in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Limit utilisation E New E enter Query Utilization Details Utilisation Branch User Reference Number Actio
86. e Date Line Code Serial Number C Netting Required Contract Type Source User Reference Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status Reference Number Specify the reference number which is the account number or the contract reference number for which the balance has to be considered Contract Type The Contract Type field will show AC by default for the account netting facility In this case you must also define the facility code Line Code to which the netting amount is to be added If the account is a Term Deposit account which you wish to link as collateral to a collateral pool then specify a Contract Type other than AC Here you need not specify the facility code For more details on linking Term Deposit accounts contracts as collaterals refer the section Collaterals Maintenance Customer Number Specify the customer number to which the Reference number belongs to Currency Specify the currency based on which the balance amount of the account contact has to be considered Once authorized this entry will be non amendable Amount Specify the account contract balance amount for netting 206 ORACLE 2 17 Value Date Specify the date from when this account contract is valid for netting Booking Date Specify the booking date when the account contract was created Expiry Date Specify the date till when this account contract is
87. e FLEXCUBE ELCM During such Utilization Transactions mismatch of details between the external product processor and Oracle FLEXCUBE ELCM may occur To handle such mismatches the Oracle FLEXCUBE ELCM system features an EOD Reconciliation Process to bring both system in sync by the end of the day EOD Reconciliation Process As part of the EOD Reconciliation Process an inbound transaction process happens wherein each product processor generates a batch file containing details pertaining to all the utilization requests for the day The Oracle FLEXCUBE ELCM system will process these batch files as part of EOD batch operation and perform the reconciliation process oy ORACLE 6 11 The Manual System parameter will specify whether the mismatched transaction should be handled manually by the user or the system should perform the reconciliation process The system will read all the batch files for reconciliation and perform a comparison of all the transaction that has been performed in the product process with the utilization transactions performed in Oracle FLEXCUBE ELCM The following table shows the possible types of the mismatch Transaction Status in Corresponding Utilization Resulting Oracle Product Processor status in Oracle FLEXCUBE ELCM Oracle FLEXCUBE FLEXCUBE ELCM Action Not Saved Saved Reversal Saved Not saved Upload The above mentioned Oracle FLEXCUBE ELCM action is performed only if the
88. e Online Batch Outgoing Core Liability Link Interface Online Batch Outgoing Limits Facility Interface Batch Outgoing 54 ORACLE Limits Utilization interface Batch Outgoing Limits Dual Authorization Online Outgoing For more details on maintaining External Systems and Interfaces refer the chapter titled Gateway Maintenance 8 5 ORACLE 9 Function ID Glossary c GEDFACLT oooi 2 35 CODELREP sssssssessssseeesees 3 2 GEDISSUR 0 seeeeeeeetieee 2 15 CORCOLRW sscscwcsssassinumieas 5 2 GEDMERGE sseeeeeeee 2 81 COREARMT oocccccccccccccececcceces 5 3 GEDMLIAB ee 2 4 COREXPLM csscecssteeeee 5 4 GEDMPOOL eesseeeeeteeee 2 32 COSRELOG ccesseeccssseessees 3 8 GEDMRGTR on eeseeeeseteee 2 82 GEDPARAM nnii 2 72 E GEDQUEMN ovnin 2 70 ELRPCONH oooi 5 1 GEDSECTY ssccesecceesseee 2 16 GEDTAUTH osiin 2 71 j GEDTRANS oiiaii 2 76 GEDACONT nosssssssnsniiiieries 2 66 GEDTREXP o i 2 61 GEDADREV sesseeeeeeee 2 77 GEDUDFNS ssscceeesceeese 2 3 GEDBLOCK este 2 67 GEDUTILS ooo 6 17 GEDBREFM eeeees 3 6 GEDUTNID onosai 6 20 GEDCOLCA on sesseeeeesee 2 11 GESQCCNV osasin 4 6 GEDCOLLT onoaiia 2 19 GESQEXPD 9 64 GEDCOLTY onoaiia 2 10 GESQEXPU 2 65 GEDCOVNT onosaia 2 9 GESOFCNV 4 5 GEDCREDT sesseeeeeeeeees 2 2 GESQHLIA oossoo 4 3 GEDCRSCR 0 sseeeeeeeeteees 2 1 GESQLIAB cesccsscseeesseeeses 4 1 G
89. e error code of the transaction Error parameter Specifies the error parameters associated to the transaction Remarks You can enter your remarks associated with the transaction at ORACLE 2 25 Dual Authorization of Utilization Transaction During Utilization Transaction process if the utilization amount crosses the breach amount specified then the transaction requires dual authorization Transactions which are breached can be authorized using UI Multi Auth screen You can specify the facility maintenance breach amount and breach percentage in ELCM When the transaction amount inputted is more than breach amount or percentage during utilization process ELCM would flag dual authorized indicator and updates the dual authorization error code as part of response If response from the ELCM contains dual authorization error code then Oracle FLEXCUBE logs the transaction details in dual authorization tables and processes it completely The authorization for the breached dual auth transactions will be authorized using function ID GEDDAUTH of ELCM However till the dual authorization happens Oracle FLEXCUBE does not allow you to authorize the main transaction You can also perform dual authorization using Oracle FLEXCUBE screen but system performs certain validations to ensure that Oracle FLEXCUBE does not authorize the ELCM breach transactions Example Assume that for liability TATA line TATABILL is created wi
90. e period during the notice days will be the notice period Revision Date System defaults the Revision Date for the covenant on save of the collateral category record based on the Frequency and Due Date of the covenant maintained in the Covenant Maintenance screen Due date Due date of the specified covenant is defaulted here based on the details maintained at Covenant Maintenance level Start Month Starting month of the specified covenant is defaulted here based on the details maintained at Covenant Maintenance level Remarks Remarks if any specified for the covenant at the Covenant Maintenance level are defaulted here Specifying Shared Details The details of the liabilities sharing the collateral can be captured for a collateral in the Shared Details screen Click Shared Details button to invoke this screen Shared Details Maintenance Sharing Details 1 Of 1 E Liability Number Share Percentage Liability Name Liability Number Specify the liability number of the liability that is sharing the collateral Each liability mapped here cannot be more than 100 of the total collateral value Shared Percentage Specify the percentage share of the liability in the collateral Aar ORACLE You can modify the above retails post authorization However the modification must be authorized 2 12 6 Linking Contracts as Collaterals The Oracle FLEXCUBE ELCM sy
91. e recorded Maximum Retry Lock Transaction Specify the number of times authorization can be tried before the transaction is locked Maximum Number of Processes Multi threading feature in Oracle FLEXCUBE ELCM can be controlled by specifying the max number of processes here In case of load balancer during End Of Day batch operations the maximum process for load sharing can be specified using this field Rate Type Specify the rate type that has to be considered for all amount conversions in Oracle FLEXCUBE ELCM Currency System Specify the external currency system if the Bank is using a external currency system other than the one provided in Oracle FLEXCUBE ELCM CRM System Specify the external CRM system if the Bank is using an external CRM system other than the one provided in Oracle FLEXCUBE ELCM Generate Customer Number Check this box to generate the customer number automatically at the time of customer creation and customer replication from the Oracle FLEXCUBE as per the specified customer mask 218 ORACLE Auto CNR Auto Closure of Non Revolving Line Check this box to close the non revolving line automatically on expiry date Exposure Tracking Check this check box if exposure tracking is to be enabled in the system Customer Mask If you have selected Generate Customer Number option you need to specify the customer mask The customer mask will be maximum nine characters length out of which it is mandatory to
92. eaas 2 8 2 7 Covenant Maintenance ms ies ake nerra R AET E EREA 2 9 2 8 Collateral Types Maintenance seseeesesseeeeesnneeesrnnesrnnnestennaesstennneennnnneeenennenetannee 2 10 2 9 Collateral Category Maintenance eesseeeeeessseesssrreeserrneetinnneesrennnentnnnanestennaaeteenne 2 11 2 9 1 Maintaining Covenant Details for Collateral CateQOry ccccccscceeiee 2 13 2 10 Issuer MaintenanCe iesiti nis eri i a a 2 14 2 11 Securities Maintenance ccc cee eeeeeeeeeeente tees ee eaeeeeeeeeaeeeeseeeneeeeeeeenaeeeeeeeaas 2 16 2 12 Collaterals Maintenance Serii a a T T 2 19 2 12 1 Specifying Details for Market Value Based Type cccsesneecinnneeeennneeeenn 2 23 2 12 2 Specifying Details for Guarantee Based TYPe cccccccseeeeceensteteeeeeaes 2 24 2 12 3 Specifying the Insurance Details cccccce eee eee teeeeeeetnnneeeeeeenteeeeneeee 2 24 2 12 4 Specifying Covenant Detaills 0 ccccccecceccstseceeeetesneeeeeetneeeeetenaeeeeeneas 2 26 2 12 5 Specifying Shared Details 00 cccccccccseeeeeeteceeeeeeeeecneeeeeeenaeeeesetiaeeeeneea 2 27 2 12 6 Linking Contracts as Collaterals cisserseriierire tirani niee ni EE iA 2 28 2 12 7 Maintaining UDE Vall Sessi a 2 29 2 12 8 Maintaining Source Restrictions 00 0 cccccecceeeeeeeenteeeeeeetnnneeeeeetnaeeeeentas 2 30 2 12 9 Maintaining Haircut Schedules 0ssssinnenennnnennnnnnnnnnnnnnnnnrinnnennnnnnrnnnnna 2 30 2 13 Collateral Pool Maintenance ccccece
93. ecceeeeeeeeeeeeeeeeeeeeeeeaaeeeeeeeaeeeeseenteeeeeneaes 2 31 2 13 1 Creating Collateral Pool Linkages 000 secceeecte cece cette tect eee tntaeeeeeetnaeeeeetee 2 33 2 14 Facilities Maintenance ccsecccceeeceseeceneceneeeeeeeeeneneeeceenseeeecenenseneeeedeeneneeeeentenees 2 35 2 14 1 Maintaining Limit Schedules ccccccceeeeeetnteeeeeeteteeeeeetaeeeeertnaeeeeeteas 2 41 2 14 2 Specifying Covenant Detallls 00 cccccccececeseeseeeeeeetnneeeeeeeenneneeeeetneeeeentae 2 43 2 14 3 Maintaining Value Dates Detallls ccccecccceeeeeeeeteteeeeeetntieeeeeetntaeeeeeeeae 2 45 2 14 4 Tracking Exposure for a LINC ccccccccceceeeece tenn eee eeetnneeeeeetnaeeeeettnaeeeeeeeaa 2 45 2 14 5 Capturing Facility Maintenance Charges Detalls 0 00 ccccseeteeeeeete 2 46 2 14 6 Capturing UDE Details iere roi E e Tno EE SETO EEEE 2 47 2 14 7 Maintaining Collateral Pool Linkages ssinsneeeieneeeeeenneeerrennererrnnneeenns 2 48 2 14 8 Maintaining Restrictions for a Line essseeeessseeeeenseeerenneeerrrnserrrrnneerenne 2 49 2 14 9 Defining Tenor based Restrictions nseessinneneeeinnneennnneeernnneeeerrnneeennne 2 53 2 14 10 Maintaining Source Restrictions 0 0 00 ceccceceeeeeeee ee tnnee eee eetnaeeeeeeenaeeeenenee 2 56 2 14 11 Maintaining Mandate Details 0 ccccccecccsteecteeeeeetnteeeeeeesneeeeetetieeeeentae 2 57 2 14 12 Including Netting Amount in Facility s Netting Contribution 0 004
94. ect the Product Code and click on the Minus button Note System considers both the source and the product code to validate the restriction 2 14 9 Defining Tenor based Restrictions You can define Limits based on the tenor of the contracts that utilize the limit aad ORACLE 2 14 9 1 2 14 9 2 Click Tenor Restrictions button from the Facilities Maintenance screen to maintain Tenor restrictions for the limit you have specified for the Line Liability combination Tenor Restrictions Details Limit Tenor Restrictions 1 Of 1 E Tenor Days Limit Utilization Tenor Specify the name of the tenor Tenor Days Specify the number of days Limit Specify the limit for the tenor in days Utilization System displays the utilization amount for the specific tenor in days based on the utilization of the facility in Schedules sub screen Limit Date Specify the limit date on which the limit amount is updated in the Limit Amount field Limit Amount Specify the limit amount for the specific limit date You need to enter details in this screen only for transactions that involve a Tenor e g Loans Money market transactions etc Through this screen you can specify a list of Tenors and the associated limit that tenor based transactions can utilize under this line Maintaining Tenor Restrictions for a Main Line For a main line you can e Specify the list
95. ed By Modification Authorized ok exit Date Time Date Time Number Open Base your queries on any or all of the following parameters and fetch records S9 ORACLE Source Specify the source code for which the system data needs to be replicated Branch Specify the branch code for which the transaction is associated Status Specify the Replication status from the adjoining drop down The possible values in this field are e U Unprocessed e E Error Function ID Specify the function Id for which data needs to be replicated Primary key Specify the primary key of the transaction Select any or all of the above parameters for a query and click Search button The records meeting the selected criteria are displayed e ld e Source Code e Function Identification e Branch e Primary Key e Modification Number e Status e Data e Data In Time e Replication Start Time e Replication End Time e Priority e Error Code e Remark e Retry Count e Select the record and click on the Replication button to manually replicate the data Note Possible values of the status are as follows U Unprocessed P Replication Success E Replication Failed W WIP a ORACLE 3 3 3 Viewing Successfully Replicated Records You can query successfully replicated records in the Replication Log Summery screen You can invoke the this screen by typing COSRELOG
96. ed and authorized the revaluation process online process scans the contracts linked to the line converts the contract currency to the Facility currency using the new exchange rates and updates the line s utilization and available amount The following table indicates these details Loan Exchange Facility Currency Utilizatio Availabilit Amount Rate Equivalent USD n y AUD 15 000 1 60 24000 00 24000 00 26000 00 DEM 2 000 1 20 2400 00 2400 00 23600 00 GBP10 000 0 5 20000 00 20000 00 3600 00 INR 72 000 36 00 2 000 00 2 000 00 1600 00 Total 48400 0 1600 00 0 7 2 ORACLE 7 2 2 Stage 2 Revaluation occurs between the facility and the liability which is linked to that facility Due to the currency revaluation between utilized contract and the credit line of the facility as per Stage 1 there will be a revaluation on credit limit utilized by the liability Considering the same example as in Stage 1 You have defined a line for Loans and linked the Liability Code Symphony Group to it The credit limit assigned to the credit line is USD 100000 This liability is linked only to one Facility or line code Loans Initially before the change in the exchange rate the utilization of the liability is as shown in the table Li Liabilit Liabilit wend Availabilit Pic ine iability iability ais vailabili Liability Code Code Limit Currency Utilizatio y n Symphony Loans 100 000
97. eeeeeneess 2 78 2 25 Dual Authorization of Utilization Transaction cecceeeeeecteeeeeeeecteeeeeeetaeeeeeeeaaes 2 80 2 20 Merging liabilities ssi 28 secede ecg cadens aE EE TOE E 2 81 2 26 1 Liability Merger Maintenance seeesrrieersrrrrreerrrnerrrinrrneerrnnnrrrrnnnneerrnne 2 81 2 26 2 Liability Merger Process eesseeserrirrresrrrrsrerrrrnrrrrrennrrrnnrareerrnnrrrannnrernnaa 2 82 ELCM Data Replication xis ccccs cece asissecxcccccecscisnenswesaxdacectivacenansnadecaneatenntes 3 1 SN NINTROGUCHON 22 5 8 cetere cele e aa apd es aaea add deat ate tes eee ta 3 1 3 2 Online Data Replication ccccccccccceeceeeeeeeeeceeeeeeceeeeeeeeeeeesegeenecnaesaeeeseeeeeeeesteees 3 1 3 2 1 Replicating Data from Oracle FLEXCUBE to ELCM a e 3 2 3 2 2 Processing ELCM Data Replication 0 ccccccceccesseeeeeeeneeeeteeeeeeeeeteenaeees 3 2 3 2 3 Replicating Data from ELCM to Oracle FLEXCUBE 0 cccceeeeeeteteereeees 3 3 3 2 4 Processing Oracle FLEXCUBE Data Replication ccccccccceseseeeeeesteeeeeees 3 4 3 3 Data Replication Process ccccccccceecceeeeeeeeeeeeneecaeeceeeeeeeeseeseceencesaeeeeeeeeeeeeetenes 3 5 3 3 1 Automatic Data Replication cccccccccccceceecnceneeceeeeeeeeeeeeeetecseesiesaeeneeeseess 3 6 3 3 2 Manual Data Replication 0 1 cccccccceccceeeeenteeeceecceteeeeeeetetecseensnaeeaseeeeeeneess 3 6 3 3 3 Viewing Successfully Replicated ROCOrS ecceeeeteceeteeeeteeeeneeeeet
98. efault Authorizer details will be used for processing Credit Exception management Branch Specify the branch for which the maintenance is being done ar ORACLE 2 21 Description The description for the branch chosen in the field Branch is displayed here Remarks Specify the remarks about the Transaction Authorize Maintenance Category Specify the category for which the transactions authorize maintenance is being done Having specified the category for the liability and the facility the transaction authorize maintenance can be done for the same category When the Exception Txn Amount or Exception Breach Percentage gets breached for a line belonging to the same category as defined in the transaction authorize maintenance the transaction will be available in the queue defined in the transaction authorize maintenance for the specific category Transaction Details Here for each record you can specify the following e Queue Name Specifying this will in turn fetch all the user roles attached to the queue name During utilization transaction users having these roles will have to perform the authorization for the corresponding amount range e From Amount and To Amount For specifying the amount range Breached Details Here for each record you can specify the following e Queue Name Specifying this will in turn fetch all the user roles attached to the queue name During utilization transaction users having these roles will have
99. eplication process is configured as part of scheduler maintenance ELCM scheduler searches in the replication table for the unprocessed records after certain interval System picks up the unprocessed records sorts the data according to function ids and forms a request XML The request XML is sent to the instance using replication mechanism In the instance the data are persisted into the table and response XML is created with status of each replication data You can view the updated status of data replication in the Replication Log screen If data needs be replicated from Oracle FLEXCUBE to ELCM then system uses scheduler job code ELREPLICATION as a part of Oracle FLEXCUBE scheduler maintenance If data needs be replicated from ELCM to Oracle FLEXCUBE then system uses scheduler job code ELREPLICATION as a part of ELCM scheduler maintenance Manual Data Replication You can select the data to be replicated on the basis of the instance You can query view and replicate records manually in Replication Log Summery screen You can invoke the this screen by typing GEDBREFM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Replication Details Source Code az Branch az z Primary Key Function Identification Replication Details 35 Primary Key Modification Nu E Replication Input By Authoriz
100. er Oracle FLEXCUBE will display the details to you The Interface between Oracle FLEXCUBE and ELCM is online real time using HTTP and all transaction posted into ELCM is auto authorized If delete or reversal action is triggered the system will reverse the transaction in ELCM If a contact needs to be tracked under facility then you have to link the contact to the facility and during transaction processing Oracle FLXCUBE sends the utilization details to ELCM for processing The below diagram briefs the Utilization Transaction Integration Approach flow between Oracle FLEXCUBE and ELCM xmi SHTTP The table below explains the actions you can perform for which Oracle FLEXCUBE hands off utilization transaction to ELCM SI No tile dane ak Utilization Transaction Action 1 New New 2 Modify Modify Increase Decrease 3 Delete Delete 4 Reverse Reverse 5 Liquate Liquate 6 Rollover Rollover 7 Payment Decrease Sree ORACLE 6 12 1 6 12 2 6 12 2 1 6 12 2 2 As part of the contract or transaction process if a line code is linked to a contract then it is required to track the limits of the linked line The system exposes limits process as subsystem and any module would interact with Limits subsystem The system allows you to trap all the utilization transaction The system would interface with ELCM Gateway HTTP to upload the utilization transactions in ELCM Based on the utilization e
101. er Reference Number for the collateral Issuer Name Specify the Issuer Name for the collateral in the case of a Market Value Based collateral Issuer Reference Number Specify the Issuer Reference Number for the collateral in the case of Market Value Based collateral Available This check box will be checked by default indicating that the collateral is available for linking to the collateral pool You can uncheck this so as to manually freeze this collateral If the Available check box is unchecked then the collateral will be frozen i e it will not be available for subsequent linkages to new collateral pools The collateral s current links to collateral pools will not be affected Note Asa part of Collateral Pool creation for a Liability only those collaterals which are checked as Available will be displayed in the list for collateral pool linkage Collateral which was Available and which has been linked to pool pools can mod ified as unavailable later on Unavailable collateral will not be available for subse quent new collateral pool linkages but the old linkages will not be affected Sharing Required Check this box to indicate that the collateral can be shared among several liabilities If you choose this option you can specify the details of such liabilities in the Shared Details screen If this option is chosen then in collateral maintenance for a collateral pool the list of collate
102. eral value cannot exceed its contract amount as maintained in the Account Netting screen The start date of the collateral should be later than the value date of the respective contract netting maintenance Likewise the expiry date of the collateral should be earlier than the expiry date of the respective contract netting maintenance 228 ORACLE 2 12 7 The system blocks marks Lien on the linked Term Deposit contract Contract Contribution Specify here the amount being contributed from the contract as a collateral for the liability On saving the above maintenance the system computes the sum of all the collateral values specified under Contract Contribution and updates the same in the Collateral Value field of the Collaterals Maintenance screen Note You are allowed to link contracts associated to LC BC and MM modules as part collateral maintenance in ELCM The amount which is contributed to the collateral is the sum of the contract amounts specified under Contract Contribution of the contracts linked Maintaining UDE Values You can capture UDE values details for a collateral in the UDE Value Details screen Click UDE Values button in Collateral Maintenance screen to invoke the below screen UDE Maintenance Commitment Branch Commitment Product Commitment Settlement Account Commitment settlement Branch Commitment Reference Number UDE Details
103. estrict the limit available under this line liability combination to specific customers If you choose the restriction type as Allowed click on the Plus button and select the customer code from the list to indicate that they are allowed to use the line If you choose the restriction type as Disallowed click on the Plus button and select the customer code from a ORACLE 2 14 8 2 2 14 8 3 2 14 8 4 2 14 8 5 the list to indicate that they are not allowed to use the line Once you choose restriction type as Allowed you can restrict a customer s from using the credit under a line by highlighting the code that identifies the customer and clicking on the Minus button You can remove the restrictions earlier imposed on a customer i e allow a restricted customer usage of the limit under a line To allow a restricted customer usage of a line select the customer code from the list and click on the Plus button Maintaining Branch Restrictions for a Line You can restrict the usage of a credit line that you have defined to certain branches of your bank If you choose the restriction type as Allowed click on the Plus button and select the branch code from the list to indicate that those branches of your bank can use the line If you are choose the restriction type as Disallowed click on the Plus button and select the branch code from the list to indicate that those branches of your b
104. evaluation screen For such collateral values to be revised an input file containing the latest security prices must to be given to the system before using this facility You can invoke the Ad hoc Revaluation screen by typing GEDADREV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Ad hoc Revaluation E New E Enter Query Security Code Security Price Security Id Specify the security id for which Ad hoc Revaluation is to be done Security Price System displays the price code as maintained in the Securities screen Click the Process button to process the Ad hoc Revaluation ant ORACLE 2 24 Multi Authorization Maintenance Multi authorisation maintenance can be done via the Multi Authorisation Maintenance screen You can invoke the Multi Authorization Maintenance screen by typing GEDDAUTH in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Dual Authorisation E Enter Query Utilisation Details Utilisation Branch Utilisation Product Value Dates Serial Number Error Code Error Params Remarks Utilisation ID Customer Number Transaction date Util Amount Utilisation Currency Source Utilisation Status Liability Currency Liability Utilisation Exception Queue Delete Status Liability Number Line Code Line Serial Facility Currency Facility
105. exposure it is The exposure types will be as maintained in the Static Maintenance screen Exposure Maintenance having function id CODEXPTY Utilization Type Indicate whether exposure is linked with customer or transaction As part of utilization a maximum of five exposures can be linked to customer and another five exposures can be linked to a facility Revolving Check this box if the exposure is a revolving exposure This implies that each time a repayment is made revolving amount against the exposure the available limit for the exposure is increased by the amount of repayment In case of non revolving exposure the available limit is the amount of exposure reduced by the loans already availed by the customer if any repayment does not increase the limit This can be denoted in terms of utilized amounts as follows For revolving exposure New Exposure utilization Exposure utilization Revolving amount For non revolving exposure New Exposure utilization Exposure utilization abe ORACLE 2 15 1 Exposure Currency Specify the currency in which the Tracking of Exposure has to be maintained Once authorized this field will be non amendable Exposure Amount Specify the exposure limit amount which is to be maintained for each exposure tracking maintenance A confirmation will be sought during utilization when the utilization amount crosses the exposure amount Block Amount The value of the Block Amount field in th
106. exure 1 Utilization Transactions explains how to maintain all Chapter 5 utilization transactions in Oracle FLEXCUBE ELCM 1 1 ORACLE Chapter 6 collateral over a period of time Annexure 3 Revaluation describes how to maintain the fluctuat ing exchange rates of marketable securities such as currency and Chapter 7 system for communication Annexure 4 Gateway Processes amp Interfaces details on how an external system can be integrated with Oracle FLEXCUBE ELCM Chapter 8 Function ID Glossary has alphabetical listing of Function Screen ID s used in the module with page references for quick navigation 1 5 Acronyms and Abbreviations You may find the following acronyms abbreviations in this manual Ul User Interface ELCM Enterprise Limits and Collateral Management GW Gateway HTTP Hyper Text Transfer Protocol XML eXtensible Mark up Language XSD XML Schema Definition XSLT eXtensible Stylesheet Language Transformations SMS Security Services ID Identification Number PK Primary Key RDBMS Relational Data Base Management System VD Value Date Mark Mark End of Transaction Input EOTI Mark TI Mark Transaction Input CIF Customer Information File 1 6 Glossary of Icons This User Manual may refer to all or some of the following icons Icons Function x Exit Add row E Delete row
107. field at the top right corner of the Application tool bar and clicking the adjoining arrow button Facilities Amount Transfer Maintenance E New amp Enter Query Branch Transfer Ref No From Liability Details To Liability Number From Liability Number To Liability Name From Liability Name To Line Code From Line Code To Line Serial From Line Serial To Facility Currency From Facility Currency To Facility Amount From Facility Amount To Facility Available From Facility Available Amount Amount To Facility Start Date From Facility Start Date To Facility End Date From Facility End Date Transfer Amount Transfer Amount Effective From Date Effective To Date Expiry Status Source User Reference Number Remarks Input By Authorized By Modification Wi Authorized Date Time Date Time Number Open From Liability Number and To Liability Number Specify the From Liability No i e for whom the limit amount is to be transferred Specify the To Liability No i e to whom the liability amount is allocated From Liability Name and To Liability Name System will default the names of the From Liability and To Liability when the From Liability Number and To Liability Number are chosen respectively From Line and To Line Specify the From Line i e the Line from which the line amount is transferred Specify the To Line i e the Line to which the line amount is transferred to for
108. gger of the revaluation process The system calculates the Facility currency equivalent of all the contracts linked to the facility using the new exchange rates and updates the utilization and available amount under the line Example You have defined a line for Loans and linked the Liability Code Symphony Group to it The credit limit assigned to the credit line is USD 100 000 the facility currency is USD No currency restrictions have been maintained for the facility Line Facility Facility Liability Code Code Limit Currency al ORACLE Symphony Group Loans 100 000 USD On 01 January 2008 the following Loan contracts has been sent to Oracle FLEXCUBE ELCM system for utilization which are linked to this Credit Line At the time of saving these utilization details the line utilization will be computed based on the exchange rates as of the transaction date i e 01 January 2008 of these contracts The following table contains the details Loan Exchange Facility Currency Utilizatio Availabilit Amount Rate Equivalent USD n y AUD 15 000 1 50 22500 00 22500 00 27500 00 DEM 2 000 1 20 2400 00 2400 00 25100 00 GBP10 000 0 5 20000 00 20000 00 5100 00 INR 72 000 36 00 2 000 00 2 000 00 3100 00 Total 46900 0 3100 00 0 On 01 February 2008 the exchange rates have changed now 1USD 1 6 AUD After the exchange rate revision has been chang
109. gory Maintenance You can define the category to which collateral belongs to using the Collateral Category Maintenance screen You can invoke the Collateral Category Maintenance screen by typing GEDCOLCA in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 211 ORACLE Collateral Category Maintenance Category Name Collateral Type Revision Date Category Type Sovereigns Banks Corporates Reval Frequency Due Date On Start Month Remarks Collateral Haircut Category 1 0f1 Type Name Yearly v Category Description Collateral Description Collateral Exposure Type Asset Type Haircut Percentage Primary fe m Secured Unsecured Liquid Tangible Untangible Covenant Fields Maker Checker Mod No Date Time Date Time Record Status Authorization Status Category Name and Category Description Specify the Category name and a brief category description of the category Collateral Type and Collateral Description Specify the collateral type Collateral description will default from the Collateral Types Maintenance screen based on Collateral type chosen Category Type Indicate the category type from the following e Sovereigns e Bank e Corporate Revision Date Specify the date on which the Collateral Category has to be revised Collateral Exposure
110. he various steps involved setting up and maintaining the Oracle FLEXCUBE ELCM system You can further obtain information specific to a particular field by placing the cursor on the relevant field and striking lt F1 gt on the keyboard Audience This manual is intended for the following User User Roles Role Function Back office data entry clerk Input functions for funds Back office managers offic Authorization functions ers Product Managers Product definition and authorization End of day operators Processing during end of day beginning of day Documentation Accessibility For information about Oracle s commitment to accessibility visit the Oracle Accessibility Program website at http Awww oracle com pls topic lookup ctx acc amp id docacc Organization This manual is organized into the following chapters About this Manual gives information on the intended audience It Chapter also lists the various chapters covered in this User Manual Limits amp Collaterals explains a series of maintenance options facil Chapter 2 itated by Oracle FLEXCUBE for Enterprise Limits and Collateral Management Queries explains about the query functions and helps you to query Chapter 3 records on Liabilities Transactions Collateral Covenants and so on Reports provide a list of reports that can be generated in this mod Chapter 4 ule and also explains their contents Ann
111. ication Type Select Synchronous or Asynchronous from the drop down as a replication type Replication URL If the replication type is Synchronous then specify the servlet URL for replication Replication Queue If the replication type is Asynchronous then specify the JMS queue name for replication Remarks Mention the additional details if any 3 2 3 Replicating Data from ELCM to Oracle FLEXCUBE As part of replication process following data will be replicated from ELCM to Oracle FLEXCUBE Replication Data Replication Details me ORACLE 3 2 4 Liability Liability details will not be replicated to all the instances of Oracle FLEXCUBE it will replicate only to customers sources associated to the liability Customer liability link Customer liability link details will not be replicated to all the instances of Oracle FLEXCUBE it will replicate only to cus tomers sources that are linked to the liability Collateral Collateral details will be replicated to sources maintained as part of collateral maintenance and customers sources asso ciated to the liability Collateral Pool Collateral pool details will not be replicated to all the sources instances of Oracle FLEXCUBE it will replicate all cus tomer sources which are linked to that liability Facility details Facility details will be replicated to only sources maintained as part of collateral maintenance and cu
112. ility to exceed the expiry date of linked collateral s When a Facility record is saved the system will compare the expiry date of all the collaterals in the Pool which is linked to the Facility An error message will be shown if any expiry dates are less than the expiry date of the Facility If the expiry date falls on a holiday maintained in the branch then system displays the error message Facility Expiry Date falls on a branch Holiday The facility shall not be available on the maturity expiry but you can modify the facility on the expiry date if required Available If the Line facility is available then this check box will be checked The Oracle FLEXCUBE ELCM system tracks the status of both the Contract and the Facility When the status of the Contract changes to PDO then the Facility will become unavailable The product processor will give an ASCII file including all the facilities which need to be frozen Oracle FLEXCUBE ELCM will initiate an amendment event and then un checks the Available check box Availment Date Specify the availment date on which the first utilization should take place If the limit amount assigned to the facility is not utilized within the specified availment date then the available check box will be disabled This freezes the line for the respective liability Exception Specify the following details Exception Transaction Amount Specify the Exception transaction amount During utilizati
113. information about the Mortgage Initiated field please refer to the section Linkages Tab under the Chapter Account Creation of the Mortgages user manual Collateral Currency Specify the currency in which the Collateral has to be maintained Once authorized you cannot change this entry Charge Type Select the charge type from the following list e Lien e Pledge e Hypothecation e Mortgage e Assignment e This is only for information and not for processing Haircut Specify the bank s margin Haircut to be assigned for Collateral Haircut applied by the system as per the Haircut schedule would be displayed here Collateral Category Specify a collateral category which is maintained in the Collateral Category Maintenance screen Available Amount The system defaults the available amount for the collateral on save of the collateral record a0 ORACLE Utilization Amount The system computes and displays the utilization amount to the Collateral if a collateral is directly linked to a contract or account and not through a pool Grace Days The grace days for the covenant as maintained in the Covenant Maintenance screen gets defaulted here based on the Covenant Name chosen Liability Branch The liability branch for the Liability Number specified as maintained in the Liability Maintenance screen gets defaulted here based on the Liability Number chosen User Reference Number Specify the Us
114. ization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system No 21 Transaction Initi ated Date Date Indicates the date and time when the transaction was entered in product proces sor Yes 22 Value Date Date Specifies the Value date of the transaction No 23 Authorization Status Alphabet 1 Indicates whether transac tion should be authorized online or not Possible val ues are A Authorize online and U upload transaction as unauthor ized Default value is U No ORACLE 6 5 1 1 6 6 24 Force Authoriza tion Alphabet 1 Indicates whether transac No tion should ignore the over rides occurred in the process or not Possible values Y force authorize and N not fore author ized Default value is N 25 Simulate Alphabet 1 Indicates if the transaction No should be used only for sim ulation Possible Values Y simulate and N actual transaction Default value is N Validations for Modify Utilization process Apart from the mandatory checks system performs the following validations Utilization Reference Number If this value is passed then the system will be check whether it is a valid utilization reference number If so the system will reverse this reference number External Reference Number If
115. joining arrow button Collaterals Maintenance E New amp Enter Query Collateral Details Liability Number Collateral Code Collateral Description Remarks Collateral Currency Collateral Value Limit Contribution Start Date End Date Revision Date Revaluation Date Grace Days Category Name Util Amount Available Amount Block Amount Commitment Reference Number Market Security Id Number Of Units Nominal Value Cap Amount Security Price Last Reval Price Next reval Date Issuer Details Issuer Name Source M Revaluate Collateral Branch Lendable Margin Charge Type User Reference Secured Type Haircut Collateral Type Interest Rate Guarantee Based Guarantor Id Rating Revoke Date Issuer Reference No Secured Unsecured Liquid 7 Available F Sharing Required Auto Pool Creation Market Value Based Guarantee Based Normal C Mortgage Initiate Taken Over all Revokeable I Insurance Covenant Shared Link Contract UDE Values Source Restrictions Fields Haircut Schedule Maker Date Time Checker Date Time Record Status Authorization Status Mod No In the above screen you can specify the contribution that the collateral should make to the limit assigned to a customer under a credit line The collateral details which are associated with a collateral code can be picked up during collateral pool maintenance Liabilit
116. le has been set up in standalone mode In case of embedded or hybrid setups you will not be able to invoke this screen Utilization Reference No Specify the reference number for the utilization that you wish to modify The adjoining option list contains all the utilizations in the system Select the appropriate one The system displays the user reference number the utilization currency and the amount tag Utilization Amount Enter the amount by which you wish to modify the utilization Action Indicate the operation for the utilization whether you would like to increase or decrease the utilization amount Transaction Date Specify the transaction date from the adjoining calendar Value Date Specify the value date the date on which the transaction comes into effect for the transaction from the adjoining calendar It can be the system date or a future date The Limit Utilization screen will be displayed when you click on the Details button where you can view the details of the original utilization request Linking an Utilization Transaction to a Facility If you link an Oracle FLEXCUBE transaction to a facility then based on the event of transaction corresponding you need to process limits related data in Enterprise Limits and Collateral Management ELCM systems 6 21 ORACLE During processing if any error or override occurs in ELCM then ELCM sends an error or override information to Oracle FLEXCUBE Lat
117. lity Query screen choose the facility for which you wish to view the utilization details by checking the box at the beginning of the row and clicking on the Utilization Details button The system displays the Utilization Query screen containing details of the utilization as shown below 2 ORACLE 4 3 Utilization Consolidated Utilizations H Utilization Id Customer Number Liability Number Line Code Serial Number Utilization Liability History The Liability History Query screen allows you to query for records based on the following parameters e Authorization Status e Liability Number e Record Status e Liability Branch You can invoke the Liability History Query screen by typing GESQHLIA in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Ta ORACLE 4 4 Liability History Query ee E Search F Advanced Search 2 Reset D Clear All Case Sensitive Liability Number a Liability Name a Liab Branch a Records per page 15 v 10f1 pa Iid Liability Number Liability Name Liab Branch Liability Currency UtilAmount Revision Date Credit Rating m r Utilization Transaction Query The Utilization Transaction Query screen allows you to query for records based on the following parameters Liability Number Line Code Branch Code Customer Number Liability Branch
118. llateral Yes Yes Yes Yes Yes No No Pool Issuers Yes Yes Yes Yes Yes No No Securities Yes Yes Yes Yes Yes No No S1 ORACLE 8 2 2 8 2 3 8 2 4 8 2 5 Limits Yes Yes Yes Yes Yes No No Transfer Account Yes Yes Yes Yes Yes No No Service Utilization Transactions Below table specifies the Utilization transactions supported by Gateway Online Process Utilization Transactions Input Authorization Deletion Technical undo New Utilization Yes Yes Yes Yes Increase Utilization Yes Yes Yes Yes Decrease Utilization Yes Yes Yes Yes Alter Utilization Yes Yes Yes Yes Reverse Yes Yes Yes Yes Set Balance Yes Yes Yes Yes Query Utilization Batch Process The Batch processes which can be triggered using Gateway Online Process e EOD Process e Input File Process e Output File Process Reprocessing Locked Online Transactions During the processing of Gate Way online transactions some of the transactions processing may be fail because of a lock in the database Oracle FLEXCUBE ELCM provides a feature to process the locked records Technical undo Functional Rollback This feature of Gateway will allow the external system to rollback previously entered transactions in Oracle FLEXCUBE ELCM This feature will be supported in Gateway Inbound online information required as part of
119. llateral gets defaulted here when you select the Collateral Category Block Amount When the collateral is linked to the collateral pool the system computes and displays the amount to be blocked The blocked amount is computed based on the linked percentage or linked amount specified when a collateral is linked to a Collateral Pool For example Collateral Collat1 is created with collateral value of 10000 USD And 60 of Collat1 is linked to a Collateral Pool then the blocked amount of the collateral is updated as 6000 i e 60 of 10000 The available amount of collateral is updated as 4000 10000 6000 The available amount of the collateral is arrived by using the below mentioned calculation Available amount Collateral value utilization blocked amount The available amount of pool is increased to the extent of linked amount in the pool currency Any utilization to the pool will only impact the available amount and the utilization of the pool and not the collateral Specifying Details for Market Value Based Type For a market value based security you must maintain the following security related details Security Id Specify the security Id for which the collateral is linked On specifying the security Id the price details and Market where security is traded are displayed Number of Units Nominal Value The collateral value of Marketable Securities will be computed by multiplying its market value which is
120. llowing Liabilities Liability History Facilities Utilizations Utilization Transactions Utilization Log Collateral Covenants Facility Covenants Liabilities Query The Liability Query screen allows you to query for records based on the following parameters Authorization Status Liability Number Liability Branch Record Status Liability Currency You can invoke the Liability Query screen by typing GESQLIAB in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button ORACLE Liability Query es E Search Advanced Search Reset D Clear All Case Sensitive Liability Number a Liability Name a Liab Branch a Records per page 15 v 10f1 Pi Id Liability Number Liability Name Overall Limit Credit Rating Revision Date Liability Currency Util Amount al O oO T A r Facility Details You can use this screen to query the Facilities and the Utilizations Details for a Liability To do this choose the liability for which you wish to view details by checking the box at the beginning of each row and clicking the Facility Detail button The Facility Query screen with details of the facilities is displayed Facility Facility Details E Line Code Serial Number Line Currency Liability Id Limit Amount Collateral Amount Utilization Reportin ji Utilization Details In the Faci
121. mit Specify the daily light limit Utilization This section contains the following details Available Amount The system displays the available amount Date of First OD The system displays the date of first OD Date of Last OD The system displays the date of last OD Netting Contribution The system displays the netting amount in GEDACCNT screen The system displays the netting contribution if e the facility is linked in the Netting Account screen e Netting Required is checked at Liability level Facility level and Netting Account level Last New Utilized Date The system displays the last new utilized date Amount Utilized Today The system displays the amount utilized on the current date Utilization Amount The system displays the utilization amount Tanked Utilization The system displays the tanked utilization Availability Specify the following details Line Start Date Specify the line start date If not specified system defaults the line start date as the current application date Expiry Date Specify the expiry date for the facility If the limit amount assigned to the facility is not utilized within the specified expiry date then the Available check box will remain un selected This freezes the line for the respective liability 230 ORACLE The freezing of the line code will be part of the Oracle FLEXCUBE ELCM EOD Batch The Oracle FLEXCUBE ELCM system will not allow the expiry date of a fac
122. mits amount Unutilized Charge Amount Specify the charge amount that has to be collected on a certain frequency daily monthly etc based on the unutilized amount Charge can be a fixed amount or a percentage of the unutilized amount 246 ORACLE 2 14 6 Utilized Charge Amount Specify the charge amount that has to be collected on a certain frequency daily monthly etc based on the utilized amount Charge can be a fixed amount or a percentage of the utilized amount Note Charge sub screen captures the details and stores it However this information does not have any impact on the processing of charges in the application Capturing UDE Details To capture the UDE details click UDE Details button UDE Details Commitment Branch 000 PPC Reference Number Commitment Product PPC Project Id Commitment Settlement Commitment Reference Account Number Commitment settlement Branch UDE Values 1 Of 1 UDEld UDE Value RateCode CodeUsage Effective Date You need to capture the following details here Commitment Branch Specify the branch in which the commitment contract needs to be created By default it will be the same branch in which the facility has been created Commitment Product Specify the product details of the commitment Commitment Settlement Branch Specify the settlement branch details of the commitment
123. n Facilities Maintenance Ey New amp Enter Query Facility Branch Liability Number Line Code Line Serial Description Main Line Code Line Currency Category Amounts Limit Amount Collateral Amount Transfer Amount Effective Line Amount Eff Line Amount Basis User Defined Status User Defined Status Changed Date Internal Remarks UnCollected Amount Block Amount Approved Amount Day Light OD Limit Day Light Limit Limit Amount Collateral Contribution Utilization Available Amount Date Of FirstOD Date Of LastOD Netting Contribution Availability Line Start Date Line Expiry Date Exception Exception Transaction Amount Interest Fee Required C Interest Fee Required Amount Utilized Today Utilization Amount Tanked Utilization Last New Utilization Date Availment Date Exception Breach Fee Calculation Account M Revolving Line C Netting Required Unadvised C Funded gt Shadow Limit Bulk Payment Required C Available m lt 1 Maker Checker Mod No Limit Restrictions Tenor Restrictions Source Restrictions Schedules Value Dates Date Time Date Time Record Status Authorization Status Charges Covenents Specify the following details Liability Number Specify the Liability number here 2 35 ORACLE Line Code Specify the Line Code to which the liability ID is to be associated with Alloca
124. n Currency Name System displays the currency name for the currency as maintained in the Currency Definition screen based on the selected Currency Code Branch Restrictions Branch Code Specify the branch code for the Branch Restriction Branch Name System displays the branch name for the branch as maintained in the Branch Parameters Maintenance screen based on the selected Branch Code Ext System Restrictions External System Specify the external system for the External System Restriction Description System displays the description for the external system as maintained in the External System Maintenance screen based on the selected External System chosen Exposure Restrictions Exposure Name Specify the exposure name for the Exposure Restriction Exposure Description System displays the description for the exposure as maintained in the Track Exposure Maintenance screen based on the selected Exposure Name Product Restrictions Product Code Specify the product code for the Product Restriction Product Description System displays the description for the product based on the selected Product Code Maintaining Customer Restrictions for a Line To recall you can assign a limit to a Line Liability combination A liability code can have several customers linked to it By default the line that you define is available to all customers linked to the liability code You can r
125. n Simulate Transaction Details 1 Of 1 n E UtilisationiD Customer Number LimitType Liability Number Liability Currency Utilisation Currency Util Amount Amounttag Utilisation Product Maker Date Time Authorization Status Checker Date Time Note The limit utilization feature explained in this section will be available only if the Enterprise Limits and Collateral Management module has been set up in standalone mode In case of embedded or hybrid setups you will not be able to invoke this screen Belt ORACLE Utilisation Branch Specify the branch where the utilization request should be processed The adjoining option list contains all the branches maintained in the system Select the appropriate one User Reference Number Specify a unique reference number for the transaction Transaction Module Specify the module for the transaction The adjoining option list contains all the modules in the system Select the appropriate one Transaction Date Specify the date for the transaction Simulate Check this box to indicate that the details for the transaction being entered should be used only for simulation and not stored permanently within the system After a simulated transaction has been successfully put through the system will display the utilized amount for the facility and the for the liability Customer Number Specify a valid customer number for the transactio
126. n Batch Operations gt Out Bond Batch gt Detailed The following operations will be supported as an Input Files Batch Operations e Utilization e Liability e Facility e Collateral Utilization Handoff For the Current Day All the utilizations which have occurred during the day can be grouped into a file This file is a part of batch handoff operation This file will contain only the current day s utilization records Liability Handoff Zero Based All the Liabilities created in Oracle FLEXCUBE ELCM can be grouped in to file via the Batch Facility Handoff This handoff will contain all the details of the records Facility Handoff Zero Based All the facilities created in Oracle FLEXCUBE ELCM can be grouped into file via the Batch Facility Handoff This handoff will contain all the details of the records Collateral Handoff Zero Based All the Collateral created in Oracle FLEXCUBE ELCM can be grouped into file via the Batch Facility Handoff This handoff will contain all the details of the records Interfaces The following interfaces are available as part of the Oracle FLEXCUBE ELCM system Module Interface Name Interface Type Currency Rates Interface Online incoming Core Product Interface Batch Incoming Branch Holiday Holiday Interface Batch Incoming SMS User Interface Batch Incoming Account Account Interface Online Incoming TD TD Interface Online Batch Incoming TD TD block unblock Interfac
127. n The adjoining option list contains all the customers maintained in the system Select the appropriate one Utilisation Amount Specify the amount for the utilization transaction Utilisation Currency Specify the currency for the amount entered The adjoining option list contains all the currencies maintained in the system Select the appropriate one Utilisation Product Specify the product for the transaction The adjoining option list contains all the relevant products Select the appropriate one Uncollected Amount Specify the amount that has not yet been collected from the customer Tenor Basis Check this box to indicate that the utilization should be tracked tenor wise for the facility You can specify the basis on which it is to be tracked in the Tenor field Tenor Enter the basis on which tenor tracking should be done for the utilization You need to have checked the Tenor Basis option before you can specify the basis here Maturity Date Specify the date on which the transaction matures Amount Tags Specify the component type for the transaction The adjoining option list contains all the relevant tags Select the appropriate one Remarks Enter any additional remarks that you wish to maintain for this transaction You can enter up to 255 characters B 18 ORACLE 6 10 Value Date Specify the value date for the transaction Line Code Specify the line code to be used for the transaction The adjoini
128. n merge any two liabilities existing in the system into one single liability Oracle FLEXCUBE ELCM allows you to merge one liability into another Upon merger both liabilities will assume the same liability code The structure of the liabilities will not change The merging of liabilities is done in the following two steps e Step 1 Liability Merger Maintenance e Step 2 Liability Merger Process The above steps are described in the sections below Liability Merger Maintenance You must first maintain the details of liabilities to be merged using the Liability Merger Maintenance screen You can invoke the Liability Merger Maintenance screen by typing GEDMERGE in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Liability Merger Maintenance E New amp Enter Query Branch Code From Liability Code To Liability Code Effective Date Remarks Customer Link Merger Log Collateral Merger Log Collateral Pool Merger Log NettingMergerLog FacilityMergerLog Input By Authorized By Modification Date Time Date Time Number Wi Authorized E Open In the above screen you must maintain the following details for merger of two liabilities From Liability Code Specify using the adjoining list of options the code of the liability which is to be merged into another liability ap ORACLE 2 26 2 To Liability Code Specify using the adjoining list
129. nce market based securities Marketable Securities are driven by market forces the price of such securities tends to rise or fall in value These fluctuations have a direct effect on the collateral value of the security You can update the value of the collateral if the value of the security that backs it fluctuates beyond the increase and decrease sensitivity that has been specified You can capture details of marketable securities in the Securities screen as shown below You can invoke the Securities Maintenance screen by typing GEDSECTY in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button at6 ORACLE Securities E New E Enter query Security Code Description Currency Start Date Equity Base Expiry Date Face Value Limit Amount Price Increase Sensitivity M Nominal Value Based Price Decrease Sensitivity Collateral Type Issuer Number 1 Of 1 Security Price x MarketPrice Last Price Change Maker Date Time Checker Date Time Mod No Record Status Authorization Status Details of the marketable security that your bank accepts as collateral can specified in the above screen Security Code Assign a unique ID to identify the security This ID is called the Security Code This ID is used while maintaining Collateral for a market value based Security Description Describe in brief the security maintained
130. nce number This tag would indicate which component needs to be authorized B19 ORACLE 6 8 Simulate Alphabet 1 Indicates if the transac tion should be used only for simulation Possible Values Y simulate and N actual transaction Default value is N No Mature Utilization Transaction Mature Transaction will be used to set the mature amount for that the specified contract Utilization Transactions and then the amount specified will be treated as the matured amount for that contract Oracle FLEXCUBE ELCM system will update the mature amount of the utilization transaction Apart from the Gate Way header information system requires following information SI No Field Name Data Type size Remarks Mandato ry 1 Utilization Refer ence Number AlphaNumeric 16 Specifies Oracle FLEX CUBE ELCM utilization reference number No External Refer ence Number AlphaNu meric 50 If the product processor does not have Oracle FLEXCUBE ELCM utili zation reference number then it should pass the product processor refer ence number Yes AmountTag AlphaNu meric 20 Amount tag would be required when there are multiple utilization for the same reference number This tag would indicate which component needs to be modified No 10 Modified Utilization Amount Numeric Indicates the Increas
131. nch Branch code should be valid branch code Customer number should be a valid customer number Currency Code should be a valid currency code Liability Number should be a valid Facility code and Facility serial number should be valid Ga ORACLE 6 2 2 1 6 2 2 2 Overrides for New Utilization process System raises overrides for the following actions e Customer Liability Facility is unadvised e Utilization Amount is greater than the available amount in both liability and facility levels e Breach of Day Light Limit e Breach Sector limit This override will be raised only if Online Update option in Oracle FLEXCUBE ELCM parameters is enabled Credit Exception Management Multi Authorization As part of the Utilization Transaction process Oracle FLEXCUBE ELCM provides the Credit Exception Management feature This process will be executed in the following case Inputted Transaction Amount Crosses Specified Limit At facility maintenance level you can specify what would be the Maximum Transaction amount which can be processed without any RISK department approval If the transaction amount is greater than the specified amount then system passes this transaction to Multi Authorization stage Example Assume that facility has been maintained with following details Liability No TATA Facility Name PERLOAN Facility SI No 1 Facility currency INR Limit amount 1 00 000 00 Utilized amount 0 Available amount 1 00 000 0
132. nchronous from the drop down as a replication type Replication URL If the replication type is Synchronous then specify the servlet URL for replication Replication Queue If the replication type is Asynchronous then specify the JMS queue name for replication Remarks Mention the additional details if any Data Replication Process Replication process applies function ID filter and data filter to check whether the data needs to replicated or not in Oracle FLEXCUBE ELCM system If the data needs to be replicated then the source along with the source code key attributes of transaction will be log into the replication table As per the replication mechanism data would be replicated either using two way authentications servlet or JMS queue In servlet mechanism URL maintained in replication maintenance would be used to replicate data In JMS request queue will be used for replication based on the status received from the other sources ORACLE 3 3 1 3 3 2 Note Replication status will be updated in replication table Data replication process takes place automatically or manually In case of automatic data replication process system would select the unprocessed data for replication In case of manual data replication process system will select only specific records for replication Automatic Data Replication Automatic replication takes place using Oracle FLEXCUBE scheduler process ELCM r
133. neaneees 3 8 3 4 Batch Repl AO e e a a a aa aa aea ae eaaa E a a Diea 3 8 3 4 1 Replicating Data from Oracle FLEXCUBE to ELCM uu ceeeteteeeecteeteeeeeees 3 9 3 4 2 Replicating Data from ELCM to Oracle FLEXCUBE 0 0 eteeceeetetteeeeees 3 9 QUIGTIOS EE E A E E E A a EE TT 4 1 AT niroduction e ee a a aa a aaa a aa e ae ean aai 4 1 42 Habties Quern siir na a A a a E aaendseee 4 1 43 Liability HIStOyY siucniscrtisri a lee a dt eee ee 4 3 4 4 Utilization Transaction Query sssseeeesseeerieseerrreseirrrsstttrrsssttnnrsstenrnnssttnnnssten nnne 4 4 4 5 Covenants QUETLICS 2 c cece eee c ce ececeeeceeeee eee ee eee ee ede caeeaaaeaecceeeeeeeeeeeseseensieaeeeeeeeeess 4 5 PREP OMES ETAT T EE EATE 5 1 ora ARS lo ii Koo LUTO 11O A AA E E AAN A EA EE 5 1 52 Generating Repos ccccceeececeeeeeeccce ech i A A A S a a 5 1 5 3 Generating Covenant History ReportS esseessseerissseeerrssstrrrssrtrrrssstrrsssttnnnsstrennnt 5 1 5 3 1 Contents of the Report 2 2 cccccccccecceeeeeceecennnaeceececteeeeestesseestaaneaeeeteees 5 2 5 4 Collateral Review Report osien ienai aat a aaa a aa 5 2 5 4 1 Contents of the Report 22 c cccececcceceeeeeeteceeceneeaecaeeeseeeeeeeteeteeseaaseaseseeess 5 3 5 5 Ear Mark Transaction Inner Limit Report ccececeeeeeeeecceeceeeeeeeeeeeeeeeeeesnesieaeeees 5 3 5 5 1 Contents of the Report pierra eein a enee eaea e e la easke dat 5 4 5 6 Expired Limits Report AEE E E T A EE E E
134. ng option list contains all the line codes allowed Select the appropriate one Facility Block Reference Number During a new utilization you can specify a valid block reference number to increase the amount in a facility On the basis of the block reference number the system validates if the liability and facility details of the new utilization and the existing facility for which the block has been maintained match If there is a match it increases the amount available under the facility by unblocking the corresponding amount block for the facility and making it available for use by the new utilization Click the Exposures button In the screen that is displayed you can specify the transaction exposures that the system should track while processing utilization requests The system defaults the customer exposures Exposures Transaction Exposures Customer Exposures Exposure Code 1 Exposure Exposure Exposure Code 5 Reconciliation of Utilization Transactions The Oracle FLEXCUBE Enterprise Limits and Collateral Management hereafter referred to as Oracle FLEXCUBE ELCM system receives Utilization Transactions or contracts from different external product processing systems These external systems include Loans systems Treasury systems Trade and Finance systems and others The bulk of the contract details will remain with these external systems and the only the details required for processing will be sent to Oracl
135. ns which are uploaded from Oracle FLEXCUBE are auto authorized and if contract or transaction is deleted in Oracle FLEXCUBE then ELCM would trigger the reversal transaction Example Assume the following Liability COCACOLA is created in ELCM with below details Liability Code COCACOLA p ar ORACLE Liability Currency USD Overall Limit 100 000 000 Amount Utilized 0 Customer C00001 is created in Oracle FLEXCUBE and Customer C00001 is linked in ELCM using liability COCACOLA using customer liability linkage maintenance Facility COCALOANO1 is created in ELCM with below details Liability Code COCACOLA Facility Code COCALOANO1 Facility currency USD Limit Amount 0 Amount Utilized Yes Revolving Flag 1 000 000 Loan CL module has been inputted for customer C00001 created in Oracle FLEXCUBE with below details Customer No C00001 Loan currency USD Loan Amount 500 000 Value Date 01 Mar 2008 Maturity Date 01 Sept 2008 Facility Code COCALOANO1 As part of loan processing Oracle FLEXCUBE sends new utilization transaction to ELCM for the loan As part of the utilization process ELCM updates utilized amount at facility level and liability level The Liability details after loan transaction would be as below Liability Code COCACOLA Liability Currency USD Overall Limit 100 000 000 Amount Utilized 500 000 The Facility details after loan transaction
136. ocess screen You can invoke the Liability Merger Process screen by typing GEDMRGTR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button arte ORACLE Liability Merger Process Enter Query Click Process button to initiate the merger of maintained liabilities Note Merger between Liabilities that form part of a hierarchy is not allowed ABg ORACLE 3 1 3 2 3 ELCM Data Replication Introduction As a part of ELCM centralized set up ELCM will be installed as a standalone system The information related to Oracle FLEXCUBE will be maintained in Oracle FLEXCUBE database and the information related to ELCM system will be maintained in ELCM database SMS setup of both Oracle FLEXCUBE and ELCM system will be different When a user is created in ELCM stand alone system basic user details are replicated to Oracle FLEXCUBE instances ELCM user Id details will not be stored in Oracle FLEXCUBE So a user can t login to Oracle FLEXCUBE using ELCM user Id If an Oracle FLEXCUBE user wants to access ELCM maintenance screen then SMS rights with ELCM user Id needs to be given This should be operationally controlled If the user has rights on ELCM function Ids when user inputs the transaction in ELCM screen function will be updated in ELCM stand alone system as well A user can input the following function IDs from Oracle FLEXCUBE instance
137. ocess is triggered off as the increase 10 is higher than the Increase sensitivity 8 defined for Debentures 2008 The value of this collateral now stands at 55 000 As this amount is less than the Cap Amount you specified for the collateral the Credit Limit available to the XYZ has increased by 5 000 as a result of the revaluation Collateral Collateral Con ce Cap POOL i Pool Code Amount code Pool amount amount linkage ABB 55 000 60 000 Pool1 100 55 000 Pool contribution to the line Line Pool Pool Line Pool Pool Line Line contribution Currenc R available Code Currency Code linkage amount to y line amount 16 ORACLE Pool1 USD Loan USD 100 55 000 1 055 s million A Rise in Value beyond the Cap Amount The market value of Debentures2008 has increased to 65 which is a 30 increase over the old market price of 50 At the time you update the Market price of Debentures2008 in the Securities Maintenance screen the revaluation process is triggered off as the increase 30 is higher than the Increase Sensitivity 8 defined for Debentures 1999 The value of this collateral now stands at 65 000 As this amount is more than the Cap Amount of 60 000 that you specified for the collateral the Credit Limit available to the XYZ will be increased However the increase will not exceed the Cap Amount XYZ s maximum amo
138. of options the code of the liability into which the liability specified under From Liability Code must be merged into Branch Code System defaults the branch code as the branch from which the Liability Merger Maintenance screen is launched and New button is clicked Effective Date Specify the date from which the merger of liabilities must take effect Remarks Specify the remarks about the Liability Merger Maintenance Once you have maintained the above merger details you must initiate the Merger Batch Process using an Intra Day Process so as to complete the merger During this batch process all liability IDs for all the related maintenances will be modified These include the following maintenances e Liability Customer e Collateral e Collateral Pool e Facility e Netting e Facility Transfer e Ear Marking Upon merger all the Utilizations will to point at the new liability The liability utilization will then be moved from the old liability to the new liability and the old liability will be closed You may view the following merger logs from the above screen e Customer Link Merger Log e Collateral Merger Log e Collateral Pool Merger Log e Netting Merger Log e Facility Merger Log e Transfer Merger Log e EarMarking Merger Log e Utilization Merger Log Liability Merger Process Once you maintained the details of liabilities to be merged you can initiate the process of merger using the Liability Merger Pr
139. on transaction when the utilization amount crosses the specified exception transaction amount there is a breach of the limit amount This is a credit exception in the transaction You can use the Multi authorisation screen for authorising such a transaction Note The utilization transaction can also be authorized or rejected using the Multi Authorization Maintenance screen based on the system configuration Exception Breach Percentage Specify the Exception Breach Percentage During utilization transaction when utilization amount crosses the specified Exception Breach Percentage there is a breach of the limit amount This is a credit exception in the transaction You can use the Multi authorisation screen for authorising such a transaction Note The utilization transaction can also be authorized or rejected using the Multi Authorization Maintenance screen based on the system configuration a0 ORACLE Interest Fee Required Specify the following details Interest Fee Required Check this box to indicate the facility is applicable for interest calculation Fee Calculation Account Specify the account which is linked with the above facility Then the same account will be applicable for interest calculation based on ELCM facility Note The following SDEs will not be applicable for ELCM based interest calculation ELCM based interest calculation SDEs Limit_Amount Eff_Limit_Amount
140. ound operations Utilization upload allows more than one utilization record to be uploaded in a single upload process Liability Upload Liability creation as a part of batch upload is provided for Liability upload allows more than one Liability record to be uploaded in a single upload process Facility Upload Facility creation as part of batch upload is provided for Facility upload allows more than one Facility record to be uploaded in a single upload process Collateral Upload Collateral creation as part of batch upload is provided for Collateral upload allows more than one Collateral record to be uploaded in a single upload process Securities Upload Securities creation as part of batch upload is provided for Securities upload allows more than one Securities record to be uploaded in a single upload process Customer Upload Customer creation as part of batch upload is provided for Customer upload allows more than one Customer record to be uploaded in a single upload process Rates Upload Rates creation as part of batch upload is provided for Rates upload allows more than one Customer record to be uploaded in a single upload process ae ORACLE 8 3 2 8 4 Batch Outbound Process Oracle FLEXCUBE ELCM Batch Outbound process is used to upload large records As a batch operation the necessary output files will be generated into the mentioned work path You can initiate the Batch Outbound Process using the following scree
141. ox then the system will automatically add the netting amount to the Available Amount and the Netting amount for the corresponding facility When an Account Netting Record is closed and authorised the system will automatically subtract the netting amount from Available Amount and the Netting Amount for the corresponding facility When an Account Netting Record is re opened and authorised the system should automatically add the netting amount to Available Amount and the Netting Amount for the corresponding facility Facility When the Netting option is un checked and the modification is authorised the system will automatically set the netting amount to zero and recalculate the available amount Likewise when the netting option is enabled the system will update the netting amount based on all the Account Nettings which have Netting option enabled for the facility Liability When the Netting option is un checked and the modification is authorised the system will automatically set the netting amount of all its facilities to zero and recalculate the available amount Similarly when the netting option is enabled the system will update the netting amount based on all the Facilities and Account Nettings records which have Netting option enabled for the liability Viewing Previous Credit Limit Changes You can view previous changes made to the credit limit using the Facilities Summary screen You can invoke this screen by typing G
142. port are discussed under the following heads Header The Header carries the title of the report information on the branch and branch date user id the date and time the page number and module of the report Body of the Report This report contains details of Customer CIF The customer identification number Related Liability ID The related liability identification of the customer Customer Name The name of the customer Line ID The line identification of the customer Line CCY The line currency of the customer Limit Amount The limit amount of the customer Balance The outstanding balance of the line Outstanding Expiry Date The expiry date of the line Customer MIS Code The MIS code of the customer 7 ORACLE 6 1 6 2 6 2 1 6 Annexure 1 Utilization Transactions Introduction Utilization is a change in the Facility Available Amount Whenever a contract is booked using a particular Line Code then the respective line main line s Available Amount should be altered in Oracle FLEXCUBE ELCM All utilization transactions maybe captured in their own external systems or through the Utilization Transaction screen The utilization details for each transaction taken place in the external product processor have to be sent to Oracle FLEXCUBE ELCM via Gateway online Inbound or Gateway Batch Inbound process Following utilizations transactions allowed by Oracle FLEXCUBE ELC
143. rals will include shared collaterals too As part of Collateral Revaluation pools with the shared collaterals will be considered for revaluation Branch By default the branch code in which collateral is created is displayed here and you cannot modify this value Lendable Margin On save of the collateral system calculates the lendable margin for the collateral This value will be 100 Haircut 221 ORACLE Collateral Value The collateral value depends on whether the security is Market Value based or Non Market Value based If it is market value based then the collateral value is calculated as shown in the following examples Example Input in case of a nominal quoted security Nominal Price Market Collateral Value Market price 100 Amount Code Price Nominal Amount 10 00 000 BOM1 65 65 100 10 00 000 650000 5 00 000 BOM2 70 70 100 5 00 000 350000 7 00 000 BOM3 80 80 100 7 00 000 560000 Input in case of a unit quoted security Number of Price Market Collateral Value Number of Units x Units Code Price Market price 65 BOM1 120 7800 70 BOM2 130 9100 40 CAL1 95 3800 If it is Non Market Value based then the user has to enter the collateral value manually Limit Contribution On save of the collateral system calculates the amount contribution that will be applicable for the collateral after applying the hair cut percentage on the
144. ranted credit on the basis of his her credit worthiness The credit worthiness of a customer depends on the assets constituting the customer s portfolio The type of collateral that a customer offers can be in the form of marketable or non marketable securities Marketable collaterals driven by market forces tend to fluctuate unpredictably You may hence need to monitor your bank s exposure to issuers of such collateral The details of the issuer and limit for his securities can be defined using the Issuer Maintenance screen aN ORACLE You can invoke the Issuer Maintenance screen by typing GEDISSUR in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Issuer Maintenance E New Enter Query Issuer Code Issuer Identification Number Issuer Details Overall Limit Currency Overall Limit Issuer Limits 1 Of 1 m E Collateral Type Limit Currency Limit Amount Maker Date Time Checker Date Time Mod No Record Status Authorization Status Limits for the issuers of Collateral can be setup at the following two levels e Overall limit for each Issuer e Limit for the Securities issued by an Issuer Issuer Code Each Issuer whose securities the bank accepts should be assigned a unique code The Issuer will be identified by this code This code can also be used to retrieve information about the Is
145. reen is displayed here Note These details are maintained only for information and have no processing impact Overall Score Specify the overall credit score for the liability The given credit score is supplemented by the multiple credit score details if any entered in the Credit Score sub screen za ORACLE 2 5 1 Note These details are maintained only for information and have no processing impact Overall Limit Specify the overall limit amount for that liability Value entered in the field will be in the currency stated above If liability is of customer group then overall limits stated will be common to all the customers Note System validates the overall limit amount against the internal lending limit equivalent amount If the overall limit amount is greater than the Internal Lending Limit Equivalent Amount then the system displays an override message as Overall limit amount 1 of the customer liability exceeds the maintained Internal Lending Limit Equivalent Amount 2 Liability Category Select the Liability Category from the list available here User Defined Status Specify status of the liability e g NORM for normal BLOCKED etc Unadvised Select this check box if the Liability is unadvised For any transaction involving an unadvised liability you will be notified so Netting Required Select this check box to indicate that the netting amount defined in the Account Contract Bal
146. remarks about the insurance details Coverage Specify the coverage details of the insurance Specifying Covenant Details The covenant details can be captured for a collateral in the Covenant Details screen Click Covenant button to invoke this screen Multiple covenants can be entered in the screen shown below You can customize the details of each covenant recorded here Covenant Maintenance Covenant 1 Of 1 Gt 4 E E Covenant Name Revision Date Mandatory Grace Days Notice Days Frequency DueDate StatMonth R Covenant Name Select the covenant name from the list available here The list displays the covenant names maintained in Covenant Maintenance screen Based on the covenant selected all other details of the covenant maintenance will be brought here Description Description of the specified covenant is displayed here based on the details maintained at Covenant Maintenance level Mandatory Mandatory Non mandatory details will be shown on choosing a covenant name You may change this Frequency You may change the frequency shown here on choosing a covenant name da ORACLE 2 12 5 Grace Days You can change the Grace Days details which are displayed here on choosing a covenant name Notice Days Once you select the covenant name system defaults the Notice Days details i e the number of days prior to next revision date of the covenant You can modify the value Th
147. rence number then it should pass the product processor refer ence number oF ORACLE AmountTag AlphaNu meric 20 Amount tag would be required when there are multiple utilization for the same reference number This tag would indicate which component needs to be modified No 10 Modified Utiliza tion Amount Numeric Indicates the Increase Decrease Utilization Amount Yes 11 Utilization Cur rency AlphaNumeric 3 Indicated the currency of the utilization transaction Currency code entered should be valid currency code in Oracle FLEX CUBE ELCM system No 21 Transaction Initi ated Date Date Indicates the date and time when the transaction was entered in product processor Yes 22 Value Date Date Specifies the Value date of the transaction No 23 Authorization Status Alphabet 1 Indicates whether transac tion should be authorized online or not Possible val ues are A Authorize online and U upload transaction as unauthor ized Default value is U No 24 Force Authoriza tion Alphabet 1 Indicates whether transac tion should ignore the overrides occurred in the process or not Possible values Y force author ize and N not force authorized Default value is N No 25 Simulate Alphabet 1 Indicates if the transaction should be used only for
148. revaluation date for the security Specifying Details for Guarantee Based Type Guarantor Specify the customer number CIF ID of the guarantor This field is alpha numeric and a maximum of 50 characters can be entered Rating You can assign a credit rating to each Guarantor Here specify the rating assigned to the Guarantor This Field is of numeric and maximum of 50 digits can be entered Revocable Indicate whether the Guarantor can revoke withdraw this guarantee provided or not Revoke Date Indicate the date when the Guarantor will revoke the guarantee This field is enabled only when the Revoke check box is selected Specifying the Insurance Details You may enter the Insurance details for a Collateral via the Insurance Details screen Click Insurance button to invoke this screen Insurance Maintenance Insurance 1 Of 1 Insurance Name Insurance Number Insurance Owner Insurance Type Start Date Customer Name v E You can specify the following details 2 24 ORACLE Insurance Name Specify the name of the Insurance Insurance Company associated with the collateral Insurance No Specify the insurance number under which that insurance has been issued Insurance Owner Select the owner of the insurance policy from the adjoining drop down list This list displays the following values e Bank e Customer Insurance Type Specify the type of the insurance e g
149. ric 2 Specifies the Facility No Number Serial number of the utili zation transaction 10 Utilization Numeric Indicates the Utilization Yes Amount Amount 11 Utilization Cur AlphaNumeric 3 Indicated the currency of Yes rency the utilization transaction Currency code entered should be valid currency code in Oracle FLEX CUBE ELCM system 12 Utilization Alphabet 10 Indicates External prod No Product uct code of the utilization transaction 13 Tenor Basis Alphabet 1 Indicates the tenor bases No of the transaction 14 Tenor Numeric Indicates the tenor of the No transaction 15 Maturity Date Date Specifies the maturity date No of the transaction 16 Matured Numeric Specifies the maturity No Amount amount of the transaction 17 Matured Alphabet 1 Indicates whether transac No tion is matured or Not 18 Uncollected Numeric Specifies the uncollected No Amount amount of the transaction 19 Amount Tag Alphabet 20 Indicates the type of the No component of the transac tion 20 Module Alphabet 10 Indicates the module of No the transaction 21 Transaction Date Indicates the date and Yes Initiated Date time when the transaction was entered in product processor 22 Value Date Date Specifies the Value dateof No the transaction If value is not passed then system will default to Oracle FLEXCUBE ELCM pre sent branch date 6 3 ORACLE 23 Authorization Alphabet 1 Indicates whether transac No Status tion should be
150. rities Maintenance screen and the Revaluate collateral check box has been checked for that collateral in the collateral maintenance Based on these changes the collateral contribution to the overall credit limit of the customer will increase or decrease Hence the availability under the line will also change After you authorize the price change e The price change is compared with the last price stored in the Collateral Maintenance screen e If the price change in percentage of the security is greater than the Price Increase Sensitivity defined for the collateral or less than the Price Decrease Sensitivity defined for the collateral the revaluation process will be triggered off Otherwise the price change will not affect the existing collateral value If the revaluation causes the collateral value to raise this new value is compared with the Cap Amount that you specified for the collateral in the Collateral Maintenance screen e Ifthe computed value is less than the cap amount then the collateral contribution will be increased to that effect on account of the revaluation The available amount under the credit line increases e If it exceeds the Cap amount then the cap amount will be taken as the collateral contribution Similarly if the market price of the security decreases the collateral contribution to the overall limit of the customer also decreases and as a result the available amount under the credit line reduces Example
151. rred from or to the line If the sign is then the amount is transferred from the line and if it is then the amount is transferred to the line Effective Line Amount The system displays the effective line amount Effective Line Amount Basis For defining drawing power of line the elements mentioned below are treated as the basis for the effective line amount calculation e Line Amount Collateral e Line Amount e Minimum of Line Amount and Collateral Note EFF_LIMIT_AMOUNT can be used while setting up the IC rule for interest calculation based on facility effective limit amount Uncollected Amount The system displays the uncollected amount Approved Limit Amount This is the maximum limit amount allowed for the facility and must be specified whenever you maintain schedule limits System ensures that neither the Limit Amount maintained here nor the schedule Limit Amount maintained as part of the limits schedule is greater than the limit specified here Block Amount Specify the block amount 2 38 ORACLE Approved Limit Amount This is the maximum limit amount allowed for the facility and must be specified whenever you maintain schedule limits System ensures that neither the Limit Amount maintained here nor the schedule Limit Amount maintained as part of the limits schedule is greater than the limit specified here Max Daily Limit Specify the maximum daily limit Daily Light Li
152. s E AA 6 15 6 8 Mature Utilization Transaction c cccccccccccccececceeceeesaeaeaeseaesseeeeeeeeeseeseseseseeeees 6 16 6 9 Utilization Transaction Screen cccccccccceccececceeeeeeseeaeaeseaeseaeeescseseeeeeeeseseeeeeeees 6 17 6 10 Reconciliation of Utilization Transactions cc ccceeeeseeseeeseeeeeceeeeeeeeeeeeeeesnenenes 6 19 6 11 Increasing Decreasing UtiliZAtiONS 22 2 cee eee eeeeeeeeeeenneeeeeeeetaeeeeeeenaeeeeeeenaaes 6 20 6 12 Linking an Utilization Transaction to a Facility eee ceceeeeeeeeeeeeeeeeeetteeeeeeenaaes 6 21 6 12 1 Collateral Pool Utilization Transaction PLOCE SS ccccccccccccceceeseessseeeenenenes 6 23 6 12 2 Utilization Transaction Status cccccccccscscsssssesesseecesseseseecsecesessesseaeaesnanenes 6 23 Annexure 3 Revaluation ccccssssceeeeeeeeeseeeeeeeeeeeeeeeeeeeeeeeeeeeseeeeeeneees 7 1 A Introduction iina ee eee a BARRA 7 1 7 2 Currency Revaluation ccccccccccceeeeecccceetecedeceeetenedeceeeeesaeseetesedeeeeeeeeedeneeeeeedeneaaens 7 1 7 2 1 Facility Currency and Utilization CUrrenCy cecccccecccteeneeeeeeteeteeeeteenatees 7 1 7 2 2 Facility Currency and Collateral Currency ccccccccceseceeeeetnteeeeeettnnneeeeete 7 3 T Collateral REValUAtiON 0 0 a aa ea a a aaa ar a ia 7 4 7 3 1 Collateral Revaluation of Market Based Securities ccccceceseceeeeeeseseeeees 7 5 7 3 2 Collateral Revaluation of Non Market Based SecuritieS
153. s greater than the collateral limit contribution If the mandate percentage is higher the system displays an override message You may choose to continue or cancel the maintenance Including Netting Amount in Facility s Netting Contribution You can set the available amount under a Facility to include the Netting Amount too To enable this feature you must check the Netting Required check box in the following levels e Account Netting level e Liability level e Facility level A ORACLE 2 14 13 Once the netting option is enabled in the above levels the Netting amount maintained as a part of Account Netting screen will be added to the available amount of the facility in facility currency The netting amount field in the facility screen will be displayed in the Netting Contribution field for the facility in facility currency Account Netting When you authorize an account netting transaction with contract type AC and netting enabled then the netting amount will be included in the facility in facility currency after netting has been enabled in Liability level amp Facility level Here the Netting Amount will be updated accordingly When you modify an Account Netting Record and un check the Netting check box then the system will automatically subtract the netting amount from the Available Amount and the Netting Amount for the corresponding facility When you modify an Account Netting Record and check the Netting check b
154. s is triggered off automatically whenever there is a change in the exchange rates i e online process The process explained above is an online process wherein the change in the currency exchange rate immediately revaluates all the contracts and the collaterals having this exchange pair with the facility currency If at the Oracle FLEXCUBE ELCM Global Parameter maintenance the option for Revaluate Currency during Offline batch has been selected then the currency revaluation as explained above will be taken up as part of revaluation batch process Collateral Revaluation Collateral Revaluation will be of two types These types are explained in the sections below is ORACLE 7 3 1 Collateral Revaluation of Market Based Securities The assets that are offered as collateral generally back the credit facilities that the bank grants a customer Your customers can offer marketable securities as collateral As Marketable Securities are by nature given to fluctuations based on the forces of short term demand and supply their value also tends to fluctuate A rise or fall in the market value of a security affects its collateral value Therefore the value of a collateral should reflect the changes in the value of the securities backing it Revaluation of a Collateral is caused only if the value of the marketable security that backs the collateral fluctuates beyond the price sensitivity you prescribed for the security in the Secu
155. ser Define Status Maintenance screen You can name and describe statuses here This can later be linked to Liability Maintenance GEDMLIAB amp Facilities Maintenance GEDFACLT for choosing the status of the liability or facility respectively You can invoke the User Define Status Maintenance screen by typing GEDUDFNS in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button User Defined Status Maintenance B New amp Enter Query User Defined Status Description Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status Enter the following details User Defined Status Provide a name ID for the status here Description Give a brief description of the status Liability Maintenance Every customer of your bank who enjoys credit facilities should be assigned or linked to a Liability Code category Several customers can be linked to the same Liability Code Liability linkage can be in two ways e Single Liability linked to multiple customers i e a Customer Group e Single Liability linked to only one customer Single Liability Linked To Multiple Customers Here multiple customers are linked to same the Liability Code and all restrictions facilities maintained at liability level are shared to all the customers oe ORACLE Liability Code Customer A Customer B Customer C Single Liability Linked To Only One Cu
156. setting up the charge rule at the CL product creation level Funded Indicate whether the line is fund based or non fund based Shadow Limit Select this check box to indicate that utilization amounts should be updated only for the facility and mainlines for the facility Thus when a utilization request is processed the system updates the utilization amount only at the facility level and leaves the utilization amount at the liability level untouched The mainline and sub lines of a facility need to have the same preference This implies that you can enable this option for a sub line only if the mainline has this option already enabled Similarly you cannot create a sub line as a Shadow Limit if the mainline does not have this facility Note You cannot modify this option after you authorize the facility Bulk Payment Required Check this box to indicate if bulk payment is required If you specify here that bulk payment is required for the liner then the same is maintained at the Bulk Payments screen For more information about the Bulk Payments screen please refer to the section Making Bulk Payments against loan or commitment under the Chapter Operations of the Retail Lending user manual Note You can use this feature if ELCM standalone has FCUBS as the product processor or ELCM is embedded with FCUBS User Defined Status Specify status of the facility e g NORM for normal BLOC
157. simulation Possible Val ues Y simulate and N actual transaction Default value is N No 6 3 1 Validations for Modify Utilization Process Apart from the mandatory checks system performs the following validations e Utilization Reference Number If this value is passed then the system will check whether it is a valid utilization reference number and the system would modify this reference number oe ORACLE 6 4 6 4 1 e External Reference Number If Oracle FLEXCUBE ELCM Utilization Reference Number is not passed then the system has to pass an External Reference Number Based on this number the system would retrieve the Oracle FLEXCUBE ELCM utilization reference number Other processing would be same as New Utilization Process Alter Utilization Alter Utilization is used to modify the entire utilization transaction details As part of Alter Utilization the external system should give the entire latest utilization details Oracle FLEXCUBE ELCM will internally reverse previous transaction and upload alter utilization as the new utilization Example Assume that loan has been created in the external system As a part of loan creation new utilization has been uploaded in Oracle FLEXCUBE ELCM When loan parameters like product code tenor of loan customer etc has to be changed then the loan transaction will be modified and subsequently Alter Utilization needs to be passed to the
158. st The list displays all the pool codes associated for that liability Id Pool Description System displays the pool description based on the selected pool code 246 ORACLE 2 14 8 Pool Currency System displays the pool currency based on the selected pool code Pool Amt System displays the pool amount based on the selected pool code Facility Branch Code Select the branch code from the adjoining list Pool System displays the pool Facility Amount In Pool CCY System displays the facility amount In Pool currency Facility Currency System displays the facility currency Facility Amount System displays the facility amount Type System displays the type Percentage Of Contract System displays the percentage of contract Pool Linkages multi entry block does two functions Firstly on clicking Plus button you can link one row of the available pool amount i e Pool amount Pool Utilized to that Line code for which the collateral contribution is required Secondly it displays at any point in time the pool amount in percentage terms utilized by various Line Codes and Contracts Maintaining Restrictions for a Line By default all customers branches and products maintained in your bank can utilize the limit defined for a credit line You can also define the limit for a line in any currency However you can opt to restrict the limit available under a credit line to specific customers branches produ
159. stem supports linking of Term Deposit Accounts or Contracts as collaterals You can link the Term Deposit Account Number or Contract Reference Number as collateral to a Liability in the Collateral Maintenance screen The system subsequently blocks marks Lien on the linked Term Deposit Note Once a Term Deposit has been linked as collateral the system will generate an output batch file to block mark Lien on the linked Term deposits Accounts Contracts This output batch file will be generated as a part of Out Bound Batch Transaction For linking a contract as collateral click Linked Contract The following screen appears where in you can link the Term Deposit Contract Reference Numbers of all Term Deposits you wish to link Linked Contract Maintenance Linked Contract 1 Of 1 E Contract Reference Branch Contract Contribution Modification of existing linked contracts can also be done in the above screen Contract Reference You can link the Term Deposit Account Number or Contract Reference Number as collateral for a Liability by specifying the Contract Reference No here The adjoining list of options in this field displays all contract types other than Contract Type AC Note The Term Deposit contract needed for Collateral Linkage must be maintained in Netting Maintenance with any contract type other than AC Once the contract is linked as collateral then its collat
160. stomer Here a liability is linked to only one customer and all restrictions facilities maintained at liability level are applicable to that customer alone Liability with Single Customer You can create or modify the Liabilities using the Liability Maintenance screen You can invoke the Liability Maintenance screen by typing GEDMLIAB in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Liability Maintenance B New z Enter Query Liability Number E Liability Name Main Liability No Main Liability Name Liab Branch Liability Currency Overall Limit Util Amount Revision Date Credit Rating Overall Score User Defined Status Liability Category Fx Clean Risk Limit Sec Clean Risk Limit Sec PSTL Risk Limit Unadvised C Netting Required User Reference Number e a m Liability Score CreditRating Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status os ORACLE Liability Number Specify the Liability Number If the Liability Number is customer group then all customers under this group should have same Liability Number Liability Name Specify the Liability Name here A maximum of 35 characters are allowed in this field Main Liability Number Specify the main liability number The adjoining option list displays a list of liability numbers maintaine
161. stomer having the liability Symphony Group i ORACLE fg Line Liability Liability Code Code Limit Symphony Loans 1million Group Canara Collatera ollatera rei a Contribution ie Pool Amount a amount RS Pool linkage Fixed Deposit 50 000 50 000 Pool1 100 50 000 Pool contribution to the line Line Pool Pool Line Pool Pool Line Line contribution Currenc available Code Currency Code linkage amount to y line amount Pool1 USD Loan USD 100 50 000 1 05million s After one Year on 1 January 2009 the Fixed Deposit amount has increased due to interest earned Now having a revised value as 55 000 Now the latest value has to be sent to the Oracle FLEXCUBE ELCM system via input file and then the Collateral Force Revalue for this collateral has to be triggered manually The revaluation increases the overall limit amount as shown below eek Line Liability Liability Code Code Limit Symphony Loans 1million Group Pool amount Collateral Pool code Collateral Collateral Code Contribution amount Collateral Value Pool linkage Fixed Deposit 55 000 100 Pool1 55 000 55 000 Pool contribution to the line i ORACLE Line Line Line Pool Pool available Pool Pool Line contributio amount Cod Currenc neha Code Currency 3 linkag n amount credit limi
162. stomers sources associated to the liability Credit Approval Dual authorization Credit Approval data will be replicated to specific Oracle FLEXCUBE instance which has initiated the transaction User All ELCM users would be replicated to Oracle FLEXCUBE ELCM parameter details ELCM parameters would be replicated to all the instances of Oracle FLEXCUBE ELCM customer no ELCM customer number will be replicated to all the sources associated to the customer Commitment Inter face Utilization details related to commitment contract will be rep licated to specific Oracle FLEXCUBE instance Processing Oracle FLEXCUBE Data Replication You can define the replication mechanism in Replication Mode Maintenance screen You can invoke this screen by typing CODELREP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 3 4 ORACLE Replication Mode Maintenance e Source Code GEH Replication type Synchronous x Replication URL Replication Queue Remarks Input ByDOC002 Authorized By Modification Authorized Cancel Date Time Date Time Number Open Cancel Source Specify the ELCM source from the adjoining option list for which the data need to be replicated Note Source code of ELCM instance is SELCM Replication Type Select Synchronous or Asy
163. suer Specify the Issuer Code here Overall Limit Specify an Overall Limit for the issuer here This limit indicates the maximum limit beyond which your bank would not like to expose itself to the Issuer An issuer can issue different types of market based securities these could be debentures shares bonds etc By defining an overall limit for an Issuer the bank can limit its exposure to the issuer When the total of all the collateral given by the customer in the form of market based securities exceeds the overall limit specified for the Issuer the system will show an appropriate message indicating that the limit has been exceeded Overall Limit Currency Specify the currency in which the Overall Limit is specified Issuer Identification Number Select the Issuer Identification Number if any from the adjoining option list The option list for lssuer Identification Number displays only those customers that belong to the bank and those that have been created in the application using the screen Customer Maintenance STDCIF with the checkbox Issuer Customer enabled alo ORACLE 2 11 Issuer Details Specify in brief any additional details of the issuer Issuer Limits for Collateral Types An Issuer of Securities may issue different types of securities These can be used by a customer as collateral for credit availed from the bank The securities used as collateral can be debentures shares bonds commercial papers
164. sure Maintenance screen Effective Date Specify the date from which the amount block should be applied for the exposure Expiry Date This is the date till which the amount block for the exposure is enforced aba ORACLE 2 18 1 2 19 Auto Block The system automatically checks this option on the date the block on the exposure comes into force i e the Effective Date Additional Information As part of additional information for the exposure you can capture the following details Customer Number Specify the customer number for the global exposure block maintenance Liability Number Specify the liability number for the global exposure block maintenance Remarks Add remarks about the global block exposure maintenance if any Line Code Specify the line code for the global exposure block maintenance Line Serial System displays the serial number for the line chosen in the field Line Code Exception Queue Maintenance You can maintain exception queue records with their respective user roles allowed for authorization in the Exception Queue Maintenance screen You can invoke the Exception Queue Maintenance screen by typing GEDQUEMN in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Exception Queue Maintenance E New amp Enter Query Queue Name Description Queue Details 1 Of 1 F RoleName Description
165. system parameter has been set to System Viewing Mismatch Summary You can view in the mismatch Summary screen all the counter transactions that has been performed by Oracle FLEXCUBE ELCM for handling the mismatches The summary also indicates whether the counter transactions have succeeded or failed For failed transactions the reason for failure will be shown You will have to take manual action in case of failed transactions Increasing Decreasing Utilizations You can modify the utilization amount of the transaction through the Utilization Increase And Decrease screen This transaction can be used when customer is making payment for the loan or when the loan amount is modified You can invoke the Utilization Increase and Decrease screen by typing GEDUTNID in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button 6 20 ORACLE 6 12 Utilization increase And Decrease enter Query Utilization Details Utilisation Branch User Reference Number Action Simulate Transaction Detials 1 0f1 E Utilisation ID Customer Number LimitType Liability Number Liability Currency Utilisation Currency Util Amount Amounttag Utilisation Product Maker Date Time Authorization Status Checker Date Time Note The feature explained in this section will be available only if the Enterprise Limits and Col lateral Management modu
166. t y e to line Pool contribution Pool1 USD Loan USD 100 55 000 1 055million s 7 10 ORACLE 8 Annexure 4 Gateway Processes amp Interfaces 8 1 Introduction The Oracle FLEXCUBE Enterprise Limits and Collateral Management hereafter referred to as Oracle FLEXCUBE ELCM system s Gateway processes allow seamless communication and integration with variety of other specialized applications These other systems maybe deployed on different platforms and may use different infrastructure The Gateway bridges the external system and the Oracle FLEXCUBE ELCM system Oracle FLEXCUBE Enterprise Limits and Collateral Management Gateway provides two main kinds of processes e Gateway Online process e Gateway Batch process 8 2 Gateway Online Process Gateway Online process provides following process e Online Inbound process e Online Outbound process e Embedded process Following are the transactions supported by Gateway process e Maintenance transactions e Utilization transactions e Batch process 8 2 1 Maintenance Transactions Below table specifies the maintenance transactions supported by Gateway Online Process Transaction Creation amp Delet Aut Close amp Query Notify Tech Modificatio n meopan undo n Customer Yes Yes Yes Yes Yes No No Liability Yes Yes Yes Yes Yes No Yes Facility Yes Yes Yes Yes Yes No Yes Collateral Yes Yes Yes Yes Yes No Yes Co
167. te types maintained as a part of ELCM parameter Product All product and account class basic details required will be replicated to ELCM Customer If ELCM Customer option at customer maintenance is selected then customer data will be replicated to ELCM Account TD If the customer of account TD CD transaction is ELCM cus tomer then data will be replicated to ELCM Commitment Ref erence Number As part of commitment interface commitment contract will be created in Oracle FLEXCUBE and commitment contract ref erence number will be replicated to ELCM Processing ELCM Data Replication You can define the replication mechanism in Replication Mode Maintenance screen You can invoke this screen by typing CODELREP in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button a ORACLE Replication Mode Maintenance ae Source Code laz Replication type Synchronous v Replication URL Replication Queue Remarks Input ByDOC002 Authorized By Modification Aaoi i Cancel Date Time Date Time Number Open Cancel Source Specify the Oracle FLEXCUBE instance from the adjoining option list for which the data need to be replicated Note Source Code for Oracle FLEXCUBE instances are FCUBS1 FCUBS Instance 1 FCUBS2 FCUBS Instance 2 FCUBS3 FCUBS Instance 3 Repl
168. tent products and services Oracle Corporation and its affiliates will not be responsible for any loss costs or damages incurred due to your access to or use of third party content products or services Contents Preface iine iaaa aaraa a Paa aae E Eara anaieri Eoaea amaa Eie 1 1 Ti UMTMOMUGHON apa cectaded okies acti n E EA E baa EE AEN 1 1 12 Auden a E A O A E AE E UES 1 1 1 3 Documentation Accessibilty iinr raniisiriiriniein era aii NEEE a 1 1 TA Organizatora ats a A a Ia AEE e nal AE AAE AAE RES 1 1 1 5 Acronyms and Abbreviations eeessessseeeeseeertsstirrststttrrsstttrtsttttnnnsstttnnanatennnnnteen 1 2 1o Glossary or ICONS aeea a EEE ail T 1 2 Limits and Collaterals naannsnnnsnensnnnnnnnnnnunnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnne 2 1 2 1 Introduction saeia nee adel eine NA EE A AAA E A 2 1 2 2 Maintaining Credit Scoto e a a a a A aari 2 1 2 3 Maintaining Agency Details for Credit Rating eeeeeeeeeeeeeeseerereeererrsssrerrressrrrrnssee 2 2 2 4 Maintaining User Defined Status eeeeeeeesseeeesrneeserrreesiinnessrrnnneernnnnestnennnesrennneene 2 3 2 5 Liability Maimenan eE eer n E TE T 2 3 2 5 1 Specifying Liability SCOPES 100 ecccceceseeeeeeeeeennteeeeceenneeeeeeeaaeeeeesenaeeeeeseaaes 2 6 2 5 2 Specifying Liability Credit Rating 0 0 eccceceetteeeceennne eee eeenteeeeeeenaaeeeeeenaaes 2 7 2 6 Maintaining Customer to Liability LINK ee eeenee rece eeene eee eeeenaeeeeeeenaeeeeee
169. terest spread to be applied on the customer account The interest spread can be zero However if the collateral attached is a term deposit then on rollover of the term deposit the interest spread is defaulted to the spread applicable for the term deposit on rollover Rate of Interest The rate of interest applicable on the customer account when customer uses the overdraft facility against the collateral type is derived as follows ae ORACLE 2 14 Rate of Interest Available Interest Rate Interest Spread Customer spread Expiry Date On save of the record system defaults the expiry date based on the end date of the collateral maintained However if the collateral attached is of a deposit then on rollover of the term deposit the maturity date of the term deposit is updated as the expiry date of the collateral Note e The batch program CASABAT is used to update the overdraft utilization at collateral level e Ifa rollover happens for a TD linked as collateral during BOD the interest rate applied on the TD gets updated to the interest rate value maintained at the collateral pool level Facilities Maintenance You can maintain credit limits for a Line Code Liability Code combination in the Facilities Maintenance screen You can invoke the Facilities Maintenance screen by typing GEDFACLT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow butto
170. th below details Limit amount 10 000 00 Collateral amount 0 00 Breach percentage 110 which is equal to 11 000 Brach amount 15 000 The system calculated values Available amount 10 000 00 Utilized amount 0 Assume that as part of BC a contact line TATABILL is linked As part of the contact data input when you link the line TATABILL and press Save button during transaction processing in ELCM if the transaction requires dual authorization then the system displays this information to the user Till the dual authorization error code breached transaction is authorized in ELCM Oracle FLEXCUBE does not allow the contact to be authorized In case if the breached transaction is rejected then you have to delete the contact Information irrespective of whether the error code has been authorized or Contracts requiring multilevel authorization can be viewed using Oracle FLEXCUBE function OVDAUDET If you delete the dual authorization contract in Oracle FLEXCUBE then the system deletes the contract details in Oracle FLEXCUBE and ELCM will delete the utilization ELCM 280 ORACLE 2 26 2 26 1 Note ELCM deletes the utilization transaction if any dual authorization error is not authorized and the system updates the status as Ignored so that this information is not shown to the user However if the error code is authorized then this information is ignored Merging Liabilities You ca
171. thorize the inputted transaction Apart from the Gate Way header information Authorization process will require following the information Sl Field Name Daja Type Remarks Mannat No size ry 1 Utilization Refer AlphaNumeric Specifies Oracle FLEX No ence Number 16 CUBE ELCM utilization reference number 2 External Refer AlphaNu If the product processor Yes ence Number meric 50 does not have Oracle FLEXCUBE ELCM utiliza tion reference number then it should pass the product processor refer ence number 3 AmountTag AlphaNu Amount tag would be No meric 20 required when there are multiple utilization for the same reference number This tag would indicate which component needs to be authorized Delete Utilization A New Utilization Transaction can be inputted as Authorized Online or Unauthorized If transaction is not authorized online then Oracle FLEXCUBE ELCM provides the facility to delete the inputted transaction Apart from the Gate Way header information delete process would require the following information Field Name Data Type size Remarks re i ORACLE 6 2 5 6 3 1 Utilization Refer AlphaNumeric Specifies Oracle FLEX No ence Number 16 CUBE ELCM utilization ref erence number 2 External Refer AlphaNu If the product processor Yes ence Number meric 50 does not have Oracle FLEXCUBE ELCM utiliza tion reference number then
172. ting credit limits for the Line Liability combination can be done The customer s who fall under this Liability Code will in turn avail credit facilities under this Credit line By linking a Credit Line to a Liability code the customer also gets linked to the Credit Line This is true because a Liability code has been assigned to every credit seeking customer and the credit facilities granted to the customer are defined and tracked against this code Serial Number Each time a customer line code combination is specified Oracle FLEXCUBE ELCM system assigns a unique serial number to the combination This serial number is unique to the line liability code combination Thus for every new record entered for a Line Liability combination a new Serial number is generated The Line Liability Serial number forms a unique combination Facility Branch By default the system displays the branch code in which facility has been created You can change the branch code from the adjoining option list before saving the facility Once the facility is saved you cannot modify the branch code Description Give a brief description of the facility here Main Line Code Specify the main line code if the created facility is a sub line If the main line code is not specified then the system defaults the line code as the main line code Line Currency Specify the currency in which the facility is defined The currency that has been selected will have the
173. tion No ORACLE 16 Matured Amount Numeric Specifies the maturity amount of the transaction No 17 Matured Alphabet 1 Indicates whether transac tion is matured or Not No 18 Uncollected Amount Numeric Specifies the uncollected amount of the transaction No 19 Amount Tag Alphabet 20 Indicates the type of the component of the transac tion No 20 Module Alphabet 10 Indicates the module of the transaction No 21 Transaction Initi ated Date Date Indicates the date and time when the transaction was entered in product proces sor Yes 22 Value Date Date Specifies the Value date of the transaction If value is not passed then system will default to Oracle FLEXCUBE ELCM present branch date No 23 Authorization Status Alphabet 1 Indicates whether transac tion should be authorized online or not Possible val ues are A Authorize online and U upload transaction as unauthor ized Default value is U No 24 Force Authoriza tion Alphabet 1 Indicates whether transac tion should ignore the overrides occurred in the process or not Possible values Y force authorize and N not fore author ized Default value is N No 25 User ID AlphaNu meric 11 Specifies valid Oracle FLEXCUBE ELCM user id who is performing the operation
174. tion is entered A maximum of 50 alpha numeric characters are allowed in this field You may also provide a brief description of the covenant maintained Mandatory Indicate whether convent defined is mandatory as part of the process or not You may change this preference when this convent is linked to a Collateral Facility ae ORACLE 2 8 Frequency Select a frequency according to which the Convent has to collected revised You may select any one of the following frequencies e Yearly e Half Yearly e Quarterly e Monthly e Weekly e Daily Start Month If the Frequency select is Yearly Half Yearly Quarterly or Monthly then specify the start month here Due Date On Specify the number of days after which the covenant needs to be reviewed Grace days Specify the Grace days past the next due revision date allowed for renewal of the covenant Notice days Specify the number of days in the notice period The notice period will start this many days prior to the revision date of the covenant Remarks Specify the remarks about the covenant maintenance This can be linked to Collateral Category Maintenance screen GEDCOLCA Collaterals Maintenance screen GEDCOLLT and Facilities Maintenance screen GEDFACLT for choosing the covenant that is to be linked to the Collateral Category Collaterals and Facilities respectively On choosing the covenant in these screens the values maintained for the covenant is defaulte
175. tion or Modification of existing Haircuts whose effective date are less than application date would not be allowed e Haircut schedules maintained in this sub screen would be applied on the effective date in the existing collateral batch process e Existing field Haircut would show the latest haircut of the collateral Collateral Pool Maintenance You may group together two or more collaterals to create a Collateral Pool You can create and maintain collateral pools in the Collateral Pools Maintenance screen a ORACLE You can invoke the Collateral Pools Maintenance screen by typing GEDMPOOL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Collateral Pools Maintenance E New amp Enter Query Liability Number Branch Pool Code Mortgage Initiate Pool Description Pool Currency Pool Amount Pool Utilized Available Amount Block Amount Auto Facility Create m Collateral Pool Linkage 10f1 Collateral Code Collateral Description Collateral Currency Limit Contribution Linked Percent Number Linked An CEI m Fields Maker Date Time Checker Date Time Mod No Record Status Authorization Status Liability Number Specify the liability to which the collaterals need to be linked Pool Code Specify the Pool Code here The pool code assigned to each coll
176. type here Issuer Code Specify the issuer code for the customer for whom the securities are collected The list of issuers is available here Start Date and Expiry Date Specify Start date and Expiry Date of the security in these fields Limit Amount Specify the limit amount for the particular security Nominal Value Based Select this check box if the collateral value is to be calculated on the nominal value based for a particular security Security Price If the security is quoted in different markets its value would differ in different markets You can maintain the various market prices of the security under the Security Price table You can specify the following details here e Price Code Indicates the market place for which the price is quoted e Market Price Price of the security in that market e Last Price Change Date on which the price was last changed This can later be linked to Collaterals Maintenance screen GEDCOLLT for maintaining market value based collaterals ae ORACLE 2 12 Collaterals Maintenance In the Collaterals Maintenance screen you can maintain the details of collateral offered by customers for the credit that the bank grants under a credit line The collateral can either be market value based or non market value based You can invoke the Collaterals Maintenance screen by typing GEDCOLLT in the field at the top right corner of the Application tool bar and clicking the ad
177. umber which is to be assigned for every block that has been created abr ORACLE 2 18 Branch Specify the branch in which the block has been created Liability Code Specify the liability code for which the amount block is to be done Customer Number Specify the customer for whom the amount block is to be done Line Code Specify the Line code for which the amount block is to be done Serial Number System displays the serial number for the line chosen in the field Line Code Block Currency Specify the currency based on which the Block amount for the facility has to be considered Once authorized this entry will be non amendable Block Amount Specify the amount to be blocked for ear marking Effective Date Specify the date from when this block amount for that facility becomes effective Expiry Date Specify the date till when this block amount for that facility is applicable Auto Block Check this box to indicate that the system should automatically create block for the specified amount for the specified facility This check box will be unchecked by default indicating that the block on the facility will be manual Remarks Add remarks about the ear marking maintenance if any Global Block Exposure Maintenance You can block earmark a certain amount of an exposure limit using the Global Block Exposure Maintenance screen You can invoke the Global Exposure Block Maintenance screen by typing G
178. unt that is contributed to the overall limit will now stand at 60 000 cap Amount and not at 65 000 market value as a result of the revaluation Collateral Collateral Sa tee Cap POOL i Pool Code Amount code Pool amount amount linkage ABB 60 000 60 000 Pool1 100 60 000 Pool contribution to the line Line Pool Pool Line Pool Pool Line Line contribution Z Currenc a available Code Currency Code linkage amount to y line amount Pool1 USD Loan USD 100 60 000 1 06 mil s lion A fall in value The market value of Debentures2008 has decreased to 45 which is a 10 decrease from the old market price of 50 At the time you update the Market price of Debentures2008 in the Securities Maintenance screen the revaluation process is triggered off as the decrease 11 11 is higher than the decrease sensitivity 5 defined for Debentures 1999 The market value of this collateral now stands at 45 000 XYZ s credit limit will stand decreased by 5 000 as a result of the revaluation Collateral Collateral erai Cap POOL i Pool Code Amount code Pool amount ABB 45 000 60 000 Pool1 100 45 000 Pool contribution to the line 7 7 ORACLE 7 3 2 Poel Pool Line Pool Pool Line Line Line F i 3 contribution available Code Currency Code Currency linkage amount to line amount Pool1 USD Loans USD 100 45 000
179. valid for netting Liability Number Specify the liability number to which the Reference number is linked Line Code Specify the line code for the account contract Serial Number System displays the Serial Number for the line chosen in the field Line Code Netting Required Select this check box to indicate that the netting amount defined in the Account Contract Balance for Netting screen will be updated in the Netting Contribution field for the specific facility for which Netting Required check box is checked You can have the Facility to display the Netting Amount in the Netting Contribution screen For more details on this feature refer the section Including Netting Amount in Facility s Netting Contribution in this document Ear Marking Maintenance You can use the Ear Marking Maintenance screen for blocking of funds for a Facility You can invoke the Ear Marking Maintenance screen by typing GEDBLOCK in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button EAR Marking Maintenance E New E3 Enter Query Block Number Branch 000 Liability Number Customer Number Line Code Line Serial Block Currency Block Amount Effective Date Expiry Date T Auto Block Remarks Fields ELC Date Time Checker Date Time Mod No Record Status Authorization Status Block Number Specify the unique n
180. vent the system creates utilization request in ELCM format It also logs transaction data and status of each utilization transaction Collateral Pool Utilization Transaction Process You are allowed to link collateral pool as part of contact and upload all collateral pool utilization transactions in ELCM You can process the following events as part collateral pool utilization e New e Modify e Delete The system allows you to plug the pool utilization data from Oracle FLEXCUBE and passes to ELCM using ELCM Gateway HTTP WS communication channel Utilization Transaction Status The following are the possible transaction status for utilization upload e Success e Failure e Override e Dual Auth Transaction Status Success Oracle FLEXCUBE sends the utilization transaction to ELCM and while processing this transaction If ELCM processes it completely then this transaction would be considered as success Oracle FLEXCUBE would continue to process remaining contract process During transaction process if transaction is uploaded successfully in ELCM and if any error or overrides overrides not accepted occurs in Oracle FLEXCUBE then uploaded transaction is reverted back using technical undo feature of ELCM Transaction Status Failure Oracle FLEXCUBE sends the utilization transaction to ELCM and while processing this transaction if any error occurs ELCM will send failure status with error details to Oracle FLEXCUBE E
181. xposure is received where the exposure for the facility is either disallowed or not maintained as part of the allowed exposures Indicate if the exposure codes that you are specifying should be allowed or disallowed From the option list available select the exposure codes The system defaults the description of the chosen exposure codes To remove an exposure code from the list highlight the code and click on the Minus button To add to the list click on the Plus button and choose the exposure code from the option list available While saving the record if the exposures disallowed here are found to be linked to existing Facility Exposures or Customer Liability Exposures the system will display an error message and will not save the details Maintaining Product Restrictions for a Line You can define the types of products that should be allowed or disallowed for a line To add a product to the list of allowed products click on the Plus button and select the Source and Product Code from the adjoining option lists The system defaults the description of the chosen source and product code abe ORACLE Limit Restrictions Disallowed Disallowed Customer Restrictions Currency Restrictions EE GEE Tee Restriction Type Allowed Restriction Type Allowed Disallowed Disallowed Branch Restrictions Product Restrictions To remove a product from the list of Allowed Products sel
182. y currency is USD No currency restrictions have been maintained for the facility Let us say that the Loans line has been backed by Collateral ABC and its maximum contribution amount that can be linked to the limit is GBP 10 000 fa ORACLE 7 3 1 GBP 2 USD Max Collater Pool Collatera Collateral Collateral al ad I t amount y y linkage ABC 10 000 GBP Pool1 USD 100 20 000 Pool contribution to the line Line peel Pool Pool Pool Line Line Peer Line Avl Currenc F contributio Code Currency Code linkage amount y n Pool1 USD Loans USD 100 20 000 120 000 On 01 February 2008 the exchange rates have changed After the exchange rate revision has been changed and authorized the revaluation process online process scans all the pools where this collateral has been linked and having the above exchange pair will be revaluated 1 GBP 1 5 USD Max Collater poo Pool Collater Bka Collater Line Collateral al l al Amou alCode Code Contributi Currence cod Curren pool i on amount y e cy linkage ABC Loans 10 000 GBP Pool USD 100 15 000 1 Pool contribution to the line Line Pool Pool Line Pool Pool Line Line contribution Currenc F available Code Currency Code linkage amount to y line amount Pool1 USD Loan USD 100 15 000 115 000 s The revaluation in both case
183. y Number Collaterals issued have to be linked to a liability Specify the liability Number for which the collateral is linked Collateral Code Specify the Collateral Code here A maximum of 20 alphanumeric characters are allowed in this field Each Collateral code should be unique ay ORACLE Collateral Description Give a brief description of the collateral here Collateral Type Indicate the type of collateral Market Based Type Guarantee Type or Normal Type Secured Type Indicate the Collateral Exposure Type here A particular collateral category can be of a Secured or Unsecured or Liquid Type Auto Pool Create Check this box if you wish to automatically create a collateral pool as and when you create collateral To facilitate this it is essential that the Available option be checked for the collateral The system then creates a collateral pool with the following characteristics when you save the record e The Pool Code Pool Description and Pool Currency are the Collateral Code Collateral Description and Collateral Currency respectively e The Collateral Linked Percentage is set at 100 Note You cannot modify this option after you authorize the collateral Mortgage Initiated On authorizing a mortgage loan account the system creates collateral and collateral pool based on the property details maintained in the Mortgage Tab and Mortgage Initiated option will be checked automatically For more

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