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Enterprise Limits and Collateral Management User Manual

1. 2 57 2 15 1 Maintaining Value Date Exposure 2 59 2 15 2 Miewing Exposure Records iouis e RE ERE opt eset n ee qiie nte oe 2 60 p 2 16 ACCOUNT CONTRACT BALANCE MAINTENANCE FOR NETTING ccccccccecececececececececececececececececececeeesesece 2 62 2 17 EAR MARKING eiii ht rir DEN AXE near ER eroe IN o ebrei orn prt 2 65 2 18 GLOBAL BLOCK EXPOSURE en en en 2 66 248 Additional Information iie e eet en 2 67 2 19 EXCEPTION QUEUE MAINTENANCE eese eren rennen tenens er tens enter sr nennen nens 2 67 2 20 TRANSACTION AUTHORIZE MAINTENANCE eeeeeeneen enne 2 68 2 2 LIMITS amp COLLATERALS PARAMETER 5 2 70 2 22 FACILITIES AMOUNT TRANSFER een enn nennen nenne entere nenne nne 2 72 2 23 FORCE COLLATERAL REVALUATION sos rrt e IF preteen 2 75 2 24 MULTI AUTHORIZATION enne nenne teen teen inneren nnn 2 75 2 25 DUAL AUTHORIZATION OF UTILIZATION TRANSACTION eee ene nennen nnne 2 78 2 20 MERGING LIABILITIES A E CREER ERE REF ER IN SR 2 79 2
2. Line Code Serial No Block Currency az Block Amount Effective Date Expiry Date C Auto Block Remarks Input By Authorized By Modification Authorized Date Time Date Time Number Open Block Number Specify the unique number which is to be assigned for every block that has been created 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 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 iis ORACLE 2 18 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 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 GEDEXPBL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Global Exp
3. From the Task List go to the Check for Collateral for the transaction Check For Collateral Web Page Dialog X Customer No VIMDO2 Customer Type Bark Short Name VIMOO2 Corporate Short Name 002 Branch CH Customer Name VIMOO2 Fui Name 002 Address Unal BANGALORE Group Code PH Address Line 3 BANGALORE Country USA Address Line 2 BANGALORES Notionalty USA Address Line 4 BANGALORES Language ENG aE Fax Exposure USA a Frozen Location Code 2 C Deceased Unique kdertitier Name 2 O Unedvised Unique idertifier Value CRM Customer Customer Category CUSTOMER JF C issuer Customer Credit Rating Treasury Customer Revision Date 5 SSN Source User Reference Number i E 3 If you want to add new collateral select ADD COLLATERAL On saving the record the record goes to the Pending Queue with Upload Collateral Docs work title Click Acquire to move the task into the Assigned queue If you have not selected ADD COLLATERAL the you will proceed to the Create Limits stage Stage 9 4 5 ORACLE 4 2 5 Stage 5 Upload Collateral Docs Collateral acquisition is the process where the user can add more documents and more collaterals and collateral pools before going to create the limits This stage is the first stage in the collateral acquisition process Double click on the task from the Assigned queue The Upload Docum
4. Liability Code Line Code Liability Limit Liability Liability Availability Currency Utilization Symphony Group Loans 100 000 USD 48400 00 51600 00 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 containing the pool amount will be linked to the Facility Hence any revaluation at collateral level will affect the pool amount Example This pool 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 facility 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 1 GBP 2 USD Collateral Code Max Collateral Collateral POOL Pool Collateral Pool Contribution Currency code Currency
5. Utility Ref Number z User Reference Number Utility Currency Amount Tag Utility Amount Customer Number Limit Type t Trans Date Linkage Ref Number Transaction Init Date Action Increase Value Date Utilization Decrease Input By Authorized By Date Time Date Time 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 7 12 Linking an Utilization Transaction to a Facility 7 23 ORACLE 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
6. 7 8 ORACLE SI No Field Name Data Type size Remarks Mandatory 25 Simulate Alphabet 1 Indicates if the transaction No should be used only for simulation Possible Values Y simulate and N actual transaction Default value is N 7 3 1 Validations for Modify Utilization Process 7 4 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 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 h
7. utilization e Increase utilization e Decrease utilization e Alter utilization As part of the above utilization transactions the Value Date will be the value date of the transaction Updating of value dated utilization can be set to be online or to be a part of EOD process This parameter is maintained in Oracle FLEXCUBE ELCM Parameter Maintenance e parameter is set to update Value Date online then during the transaction process the Value Date utilization details will be updated online Otherwise it will be updated during EOD process e inthe case of main lines the system will identify all the sub lines linked and track the utilization This utilization will be tracked in addition to the contracts that are directly linked to the main line Refer Annexure 1 for more details on Utilization Transactions Back Valued Transactions The following back valued operations will cause a rebuild of value dated utilization details e New utilization e Increase utilization e Decrease utilization e Alter utilization If the utilization currency is not same as the line amount currency then the system will convert the utilization into line amount currency and update the utilization The exchange rate will be that of the value date of the utilization So for back valued utilization the exchange rate on the value date of the back valued transaction will be used In case the Value Date is less than the conversion date then the rebuild of
8. Covenant Name Description Mandatory Yes O No Frequency Yearly v Start Month Due Date On Notice Days _ GaceDas f Remarks Input By Authorized By Modification Authorized Date Time Date Time Number Open Covenant Name and Description Specify the Covenant Name for which information 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 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 e ORACLE 2 8 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 Collateral Types Maintenance Collateral Types maintenance is used to capture all type
9. GATEWAY PROCESSES amp INTERFACES cerne ee eren eee eene tn 10 1 TOT INFROD GEIION 5 teas Pai tetas et te Riot o OE Oe asec Pete per 10 1 10 2 GATEWAY ONLINE PROCESS ene I ede dices A cei etuer 10 1 10 2 1 Maintenance Transactions assesses esas asas ne 10 1 10 2 2 Utilization TraRsactions sus diee d etu etes subsea Deque dee ea Un Dd 10 2 10 23 BALCH AR SIGNED HV MERC OS ee e UU 10 2 10 2 4 Reprocessing Locked Online Transactions esee enne eene 10 3 10 2 5 Technical undo Functional Rollback eese eee eene entere ennt 10 3 10 3 GATEWAY BATCH PROCESS ente ente terr Hg eei leac i pec eb der ette ge cen te pex eds 10 3 Batch nbound Broeess sias ertet etae aided ee Pret 10 3 10 3 2 Baich Ouibound PLO CESS sc sis aside dre A a iere ot A 10 4 INTEREACES eerie ter eec e HR Te TOY UH EE EN EYE ERE ue EYE ORE ES 10 5 11 SCREEN GLOSSARY dev 11 1 BUNCTION TD LIST ME TEC pLTTU 11 1 1 About this Manual 1 1 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 the various steps involved setting up and mai
10. Pool amount amount linkage ABC 10 000 GBP Poolt USD 100 20 000 Pool contribution to the line 9 3 ORACLE 9 3 9 3 1 Pool Code Pool Currency Line Line Pool Line Pool Line Avl Code Currency linkage contribution amount Pool1 USD Loans USD 10096 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 2 5 USD Collateral Line Max Collateral Pool Pool Collateral Pool Code Code Collateral Cuvee code Currency Pools amount Contribution y y linka amount 9 ABC Loans 10 000 GBP Pooli USD 100 15 000 Pool contribution to the line Pool Code Pool Currency Line Line Pool Pool Line Code Currency Line contribution available linkage amount to line amount Poolt USD Loans USD 100 15 000 115 000 The revaluation in both cases 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
11. screen Click Insurance button to invoke this screen Insurance Insurance n Insurance Name Insurance No Insurance Owner Insurance Type Start Date Customer You can specify the following details Insurance Name Specify the name of the Insurance Insurance Company associated with the collateral Insurance Number 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 ias ORACLE Insurance Type Specify the type of the insurance e g 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 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 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 D
12. 13 Tenor Basis Alphabet 1 Indicates the tenor bases of No the transaction 14 Tenor Numeric Indicates the tenor of the No transaction 15 Maturity Date Date Specifies the maturity date of No the transaction 16 Matured Amount Numeric Specifies the maturity amount No of the transaction 17 Matured Alphabet 1 Indicates whether transaction No 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 transaction 20 Module Alphabet 10 Indicates the module of the No transaction 21 Transaction Date Indicates the date and time Yes Initiated Date when the transaction was entered in product processor 22 Value Date Date Specifies the Value date of No the transaction If value is not passed then system will default to Oracle FLEXCUBE ELCM present branch date 23 Authorization Alphabet 1 Indicates whether transaction No Status should be authorized online or not Possible values are A Authorize online and U upload transaction as 7 11 ORACLE SI No Field Name Data Type Remarks Mandatory unauthorized Default value is U 24 Force Authorization Alphabet 1 Indicates whether transaction should ignore the overrides occurred in the process or not Possible values Y force authorize and N not fore authorized Default value is N No 25 Us
13. 2 13 COLLATERAL POOL MAINTENANCE oriens eenaa a Eere a nr raeas ap ear SUREE KE PAo EST ESENES enin innen innen 2 29 2 13 1 Creating Collateral Pool Linkages eese eene nennen nennen rennen enne 2 31 2 14 FACILITIES sederet err eerie re eO de esee ee t ERES 2 33 2 14 1 Maintaining Value Dates Details eese entente nennen 2 38 2 14 2 Tracing Exposure Restrictions for a 2 38 2 14 3 Capturing Facility Maintenance Charges Details eese nene 2 39 2 14 4 Specifying Covenant Details ide Reo eee eee te terae Dee Fea ce e REESE 2 40 2 14 5 Maintaining Restrictions for a Line sisirin nna 2 41 2 14 6 Maintaining Limit Schedules iiis ee ke hie ede tette ete i Fee wee 2 44 2 14 7 Maintaining Collateral Pool Linkages eese eene nennen eene een eene nnne 2 48 2 14 8 Defining Tenor based Restrictions eese eene nennen i 2 49 2 14 9 Maintaining Source Restrictions ho er e tte baee ita dee leti te a e Fe i o 2 50 2 14 10 Capturing UDE Details c de et e ire Pete a dee bci ee eae tenes hee 2 52 2 14 11 Maintaining Mandate Details uoi ee dee tee kane ade Hasse a ede Re edu ee ERI 2 53 2 14 12 Including Netting Amount in Facility s Available Amount eene 2 54 2 14 13 Viewing Previous Credit Limit eren rennen 2 55 2 15 TRACK EXPOSURE MAINTENANCE
14. AlphaNumeric 3 Indicates the transaction branch This field will be as part of Header section Branch code Yes External Reference Number AlphaNumeric 50 Specifies the product processor reference number Yes Customer Number AlphaNumeric 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 AlphaNumeric 11 Specifies the Liability Number of the utilization transaction Liability Number entered should be valid Liability Number in Oracle FLEXCUBE ELOM system Yes Facility Code AlphaNumeric 9 Specifies the Facility Code of the utilization transaction Facility Code entered should be valid Facility Code in Oracle FLEXCUBE ELCM system Yes Facility Serial Number Numeric 2 Specifies the Facility Serial number of the utilization transaction Yes ORACLE SI No Field Name Data Type Remarks Mandatory 10 Utilization Amount Numeric Indicates the Utilization Yes Amount 11 Utilization AlphaNumeric 3 Indicated the currency of the Yes Currency utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system 12 Utilization Product Alphabet 10 Indicates External product No code of the utilization transaction
15. Assigned In the Assigned queue double click a task The Verify the Documents screen opens 2 Verify The Documents Web Page Dialog Customer Name 002 Sur Name VIMOO Ful Name Address BANGALORE PROCEEO v us After re specifying customer details in case of any changes click Documents button to verify the documents In the screen that opens indicate against each document whether it s verified or not a Verify for mandatory documents Web Page Dialog Document Upload Document Code Document Description View Verified FACLT 5 TEST View E On dlicking the Ok button the DMS reference number will be saved in the database On satisfactorily verifying the documents you may choose Proceed Click Ok button On saving the record the task goes to the Pending queue with Input Credit Details work title From the Pending queue click Acquire button to move the task to the Assigned queue You can pick up the task from the Assigned Queue In case the documents are not found then select DOCMISSING and then proceed to the previous stage Upload of Documents 4 11 ORACLE 4 3 3 Stage 3 Input Credit Details Double click on the task in the assigned queue The Credit Details Input screen will be displayed Credit Details Input Web Page Dialog Liability ki LIABOO1 Line Code LINEVIM2 Serial No Line Currency USD a U
16. Indicates External product code of the utilization transaction 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 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 BY ORACLE Exception Queue Specifies the exception queue in which transaction has been parked Error Code Specifies the 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 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 You have to perform dual authorization of utilization related transactions in ELCM only You can specify the facility maintenance breach amount and breach percentage in ELCM When the transaction amount inputted is more than b
17. 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 2 57 ORACLE Track Exposure Maintenance Exposure Name Exposure Type Description Utilisation type Customer Exposure Currency Transaction Exposure Amount C Revolving Block Amount Utilization Exposure Effective Date Exposure RenewalDate Exposure ExpityDate Exposure rating Remarks Available Amount Value Date Exposure Fields Input By Authorized By Modification Authorized Date Time Date Time Number Open Exposure Name Specify the Exposure name The name maintained in this screen has to be linked in the customer screen to make tracking effective It is possible to track a customer in multiple exposures For this multiple exposure names should be linked to the customer Exposure Description Provide a brief description of the exposure here Exposure Type Specify what kind of exposure it is The exposure types will be as maintained in the Static Maintenance screen 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 rep
18. Wi Customer Number Short Name nm Currency Code Currency Name Restriction Type Allowed Restriction Type Allowed Disallowed Disallowed Branch Restrictions Product Restrictions x 1i 1 2 Wi Branch Code n ource Product Code Product Des o LH To remove a product from the list of Allowed Products select the Product Code and click on the Minus button System considers both the source and the product code to validate the restriction 2 14 6 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 ORACLE Schedules 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 The limits maintained for a tenor are for information purposes It will not become automatically effective to the line liability combination when the tenor begins 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
19. 1 1 Generating Reports geo te a Rete oet e edet Le tees bee elena 6 1 6 1 2 Generating Covenant History Reports eese seen enne entente treten trente entretenir 6 1 6 1 3 Contents of the Report i cat aae e eei Sables ioe oes teet ete pee Mosk iasigensest 6 2 ANNEXURE 1 UTILIZATION TRANSACTIONS 4 eere ee eese en ee eee ense ee eese enses seen sesta 7 1 7 1 INTRODUGTION 2 2 desees rc beso Ace Unete Ate de bete 7 1 7 2 NEW UTILIZATION RR TTE 7 1 7 2 1 Iiput Utilizatioh 54st art t RO et eo RN pn aE 7 1 7 2 1 1 Validations for a New Utilization Process eese eene nennen ene 7 5 7 2 1 2 Overrides for New Utilization process esee ene enne nennen nennen trennen rennen 7 5 7 2 2 Authorize Utilization ccccccccccccccssesccceccccccsssseccecccccssssseccecececsussseccecscessuuseccecesessuaeseccessceuuanseececessuuanense 7 6 7 2 3 Delete Utilization ccccccccccccscsscsccccccccccsscseecccccccsssesecccceceussscseccecessuusaeceececeseausacceececessuuuseccecccesauaeaececess 7 7 7 2 4 Technical Undo Special Delete sii eer ttr diete rt re etre rr I He 7 7 7 3 INCREASE DECREASE UTILIZATION ccccccccccecccesececececececesecscesecesecesssesssesessssssseeeseseeesesesesssesssssesessseeseseseess 7 7 7 3 1 Validations for Modify Utilization Process 7 9 7 4 ALTER UTILIZATION 30 cccccccccosscscecosccsccccasssseccscescccccs
20. Alphabet 1 Indicates if the No transaction should be used only for simulation Possible Values Y simulate and N actual transaction Default value is N 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 Oracle FLEXCUBE ELOM 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 ELOM utilization reference number and do the process Other processing will be same as New Utilization Process 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 SI No Field Name Data Type size Remarks Mandatory 1 Utilization Reference Number AlphaNumeric 16 Specifies Oracle FLEXCUBE ELCM utilization reference number No External Reference Number AlphaNumeric 50 If the product processor does not have Oracle FLEXCUBE ELCM utilization reference number then it should pass the product processor referenc
21. Amount calculations in Oracle FLEXCUBE ELCM i ORACLE 2 22 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 Auto Closure of Non Revolving Line Check this box to close the non revolving limit automatically on expiry date The EOD process closes all the active non revolving limits automatically based on the value of Auto Closure Non Revolving Line Example Limits Facility Expiry Date Revolving FACILITY1 15 Jul 2009 N FACILITY2 16 Jul 2009 Y FACILITY3 16 Jul 2009 N FACILITY4 15 Aug 2009 N e System Date 15 Jul 2009 e Next Working Day 17 Jul 2009 On 15 Jul 2009 EOD the system closes FACILITY1 and FACILITY3 This process does not close the following limits e If there are any underlying active transactions on that limit e If there are any
22. Block Facility on Status Yes ONo C Exposure Tracking Input By Authorized By Modification Authorized exi Date Time Date Time Number Open 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 be recorded Maximum Retry Lock Transaction Specify the number of times authorization can be tried before the transaction is locked Maximum Number of Processes Multi Treading 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 SR ORACLE 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 Customer Mask If you have selected Generate Customer
23. Documents Web Page Dialog Customer Name VIMDO2 Sur Nate VIMDO2 Name VM Address BANGALORE1 BANGALORE2 BANGALORES BANGALORES Remarks Eas MAE Here you can enter Customer Information such as Customer Name and Address If you want to upload documents click Documents button to invoke the Upload the Documents screen 4 9 ORACLE J Upload the documents required for each stage Web Page Dialog Document Upload document Code Documert Description Document Path Upad NSURENCE INSURENCE C Documerts and Setting Browse Upload For each document you wish to upload specify the following details Document Code Specify the document code of the particular document Document code is maintained for particular documents in the document system Document Description Provide a brief description of the document here Document Path Browse for and hence specify the path of the location of the document Click Browse button for the path Click View button to view the document you are uploading Click Upload button to upload the document Click Ok On saving you entries the task goes to the Pending Queue with the work title Verify the Documents Click Acquire button to move it from pending queue to the assigned queue 4 10 ORACLE 4 3 2 Stage 2 Verify the Documents To view the Assigned tasks queue select the Tasks browser first Then choose
24. Liab ty Branch SM Collsteral Code COLLATERALV1 Colleteral Category LAND100 Collaterai Description COLLATERALV1 Secured Type Secured C Market Value Based Unsecured Guarantee Based Lind Contribution Type Collateral Currency USD 2 User Reference Number Colisteral Value C Revaluste Collateral Haircut Lendable Margin Revision Date Start Oste End Oste Revaluation Date Charge Type Mortgage v Grace Days Market Value Based Guarantee Based Securty Code Guarartor ki Number of Unts Nominal Value Rating Cap Amount Revokeable Price Code Revoke Date m Last Reval Price Next Reval Date PROCEED exa Here you may specify the necessary Collateral Details On successfully creating the record the following message is displayed Record Created Successfully On saving the task goes to the Pending queue with the work title Add Collateral Pools Click Acquire to send the task to the Assigned Queue 4 7 ORACLE 4 2 8 Stage 8 Add Collateral Pools Here you can add collateral pools to the facility Double click on the task in the Assigned Queue to view the Add Collateral Pool screen 4 2 9 Add Collateral Pool Web Page Dialog User Reterence Number lt a en aaa A EB o Collateral Code Colsteral Description Collateral Ccy Amount Branch Code COLLATERALV1 9 uso Order
25. N Linked Ano Here you can specify the details of the Collateral Pool On successfully creating the record the following message is displayed Record Created Successfully On saving the task goes to the Pending queue with the work title Create Limits Click Acquire button to send the task to the Assigned Queue Stage 9 Creation of Limits Double click on the task in the Assigned Queue to view the Create Facility screen Create Facility Web Page Dialog Lisb ty LIMLIABOT Line Code UNEVMI Serial No Line Currency USD User Defined Status Main Line Code O Currency Restriction Revolving Line C Netting Required O Funded Line Start Date Expiry Date Last Avaliable Date Avaiment Date Conversion Date Interni Remarks e Tenor Restrictions Limit Restrictions Schedules Value Dates Charges Covenants Limt Amount Collateral Amount Transfer Amount Effective Line Amount Uncolsteralized Funds Line Reporting Amount Block Amount Ett Line Amount Basis Unedvised Luma Amount Collateral Contribution v Category Utilization Avalsk s Amount Date O1 First OO Date Of Last CO Ut amp zabon Amount Terked Utkzabon Netting Utkzebon Exception Exception Txn Amount Exception Breach Percertage Pool Links Exposures Ext System Restrictions Fields Enter the details for creating the Limits Facility After successfully creating the limits fac
26. Pool IFELCCOLP IFELICOLP IFELECOLP Facility details IFELCFACT IFELIFACT IFELEFACT User IFELCUSER IFELIUSER IFELEUSER customer no IFELCCIFN IFELICIFN IFELECIFN Commitment IFELCCOM IFELICOM IFELECOM Interface 3 10 ORACLE o 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 2 1 4 Process Flows Introduction This chapter illustrates the process flows while creating a Credit Facility The different stages are e Facility Creation e Facility Renewal e Credit Exception Management Facility Creation Facility creation involves collecting the required information from the customer and creating a Facility in the system This facility creation feature is allowed only for existing customers The Limits Creation process in the Oracle FLEXCUBE ELCM application has several stages to complete the transaction Stage 1 Upload of Documents Initiation Stage The first stage of the process flow is the process initiation stage Use the Upload The Documents screen to initiate the process To invoke the Upload the Documents screen first select Process Flows from the browser Under that click Limits Creation button and then click Stage 1 E Upload The Documents Web Page Dialog Customer Name VIMOO2 Sur 002 VDO Address BANGALOREt BANGALORE BANGALORES BANGA
27. SI No 11 Facility currency INR Limit amount 1 00 000 00 Utilized amount 0 Available amount 1 00 000 00 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 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 n
28. Stage 6 Check for Changes eese iet t eR ier tete Pe teet sass 4 14 4 3 7 Stage 7 Renewal of Limits eost RR Rr e RH 4 15 4 3 8 Stag 8 Add Collaterals eer er UR E Ie Rte Pe 4 16 4 3 9 Stage 9 Upload Collateral see tet t tii e tht treten eps 4 16 4 3 10 5 10 Verify Collateral Docs eret metet trt Rire medie 4 16 4 317 Stage Ll Add Collateral ciet tete REPRE rr e medie 4 17 4 3 12 Stage 12 Add Collateral Pools se ete ttr Rire medie 4 18 4 3 13 Stage 13 Modify the Limits esseri EE entrain 4 18 m 4 4 CREDIT EXCEPTION 4 19 4 4 1 Pending Task before Acquiring the TASK esee nennen trennen rennen 4 19 4 4 2 Task in Assigned Task List for Assigned User Group Users eese 4 19 4 4 3 After Launching the Screen eei Pe aet ih eR PRU EP REESE maie 4 20 QUERISS P 5 1 5 1 INTRODUCTION nist iv Pdl ede ce 5 1 5 2 ETIABILITIES vee edite bett 5 1 5 3 LIABILITY HISTORY 5 3 5 4 UTILIZATION TRANSACTION QUERY 5 4 5 5 COVENANTS QUERIES edite mes gei E ee piu OR Lente pee o dps 5 5 aO HO bo 6 1 6 1 INTRODUCTION erect e kie unacum Id decidit 6 1 6
29. 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 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 Interest Rate The interest rate to be applied if the customer uses overdraft facility against the collateral gets defaulted here when you select the Collateral Category Tangible Type The system displays the tangible type based on the collateral category This can be one of the foll
30. change this Frequency You may change the frequency shown here on choosing a covenant name ias ORACLE 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 You can change the Revision Date Details which are displayed here on choosing a covenant name 2 12 5 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 Sharing Details PAE L Liability No Share Percentage is ol laz 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 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 system 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 syst
31. 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 Value Date Specify the value date for the transaction 7 20 ORACLE Line Code Specify the line code to be used for the transaction The adjoining 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 Code 1 m Exposure Code 2 Exposure Code 2 Exposure Code 3 Exposure Code 3 Exposure Code 4 i Exposure Code 4 Exposure Code 5 Expos
32. 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 2 26 2 Liability Merger Process Once you maintained the details of liabilities to be merged you can initiate the process of merger using the Liability Merger Process 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 Liability Merger Process Process Click Process button to initiate the merger of maintained liabilities Note the following e Merger between Liabilities that form part of a hierarchy is not allowed 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
33. filter to check whether the data needs t be replicated or not 3 2 1 Replicating Data from Oracle FLEXCUBE to ELCM As part of replication process following data would be replicated from Oracle FLEXCUBE to ELCM oo ORACLE 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 branch option ELCM replication associated to rates is selected e The rate 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 customer then data will be replicated to ELCM Commitment Reference Number As part of commitment interface commitment contract will be created in Oracle FLEXCUBE and commitment contract reference number will be replicated to ELCM 3 2 ORACLE 3 2 2 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 th
34. in Enterprise Limits and Collateral Management ELCM systems During processing if any error or override occurs in ELCM then ELCM sends an error or override information to Oracle FLEXCUBE Later Oracle FLEXCUBE will display the details to you The Interface between Oracle FLEXCUBE and 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 V The table below explains the actions you can perform for which Oracle FLEXCUBE hands off utilization transaction to ELCM SI No Oracle FLEXCUBE Utilization Transaction Action Transaction Action 1 New New 2 Modify Modify Increase Decrease 3 Delete Delete 4 Reverse Reverse 5 Liquate Liquate 6 Rollover Rollover 7 24 ORACLE SI No Oracle FLEXCUBE Utilization Transaction Action Transaction Action 7 Payment Decrease 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 exp
35. 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 Summary Covenant Name Liability No Mandatory Description Collateral Code Grace Days Notice Days Due Date On Covenant Reference Number Search Advanced Search Reset Revision Date Frequency Start Month i ERES a ie a i i Records per Of 1 Covenant Name Liability Collateral Code Mandatony Grace Days Revision Date Notice Days Frequency Due Date On lt ET ORACLE 6 1 6 1 1 6 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
36. 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 Revaluation Due Date This field will indicate when value associated to Frequency It is a Number field and only Positive Integers should be keyed in This indicates the number of days after which the due date of collateral has to be revaluated Specifying Details for Guarantee Based Type Guarantor ID Specify the customer number CIF ID of the guarantor This field is alpha numeric and a maximum of 50 characters can be entered iss ORACLE Rating of Guarantor 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 2 12 3 Specifying the Insurance Details You may enter the Insurance details for a Collateral via the Insurance Details
37. 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 did ORACLE 2 21 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 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 Limits amp Collaterals 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 Details screen by typing GEDPARAM in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button GEMS Parameter Maintenance Maximum No of Processes 1 Revaluate Currency Online Batch Rate Type STANDARD Online Currency System Revaluate Market Online Batch CRM System Online Maximum Retry Lock 5 Rate Range Mid Rate Transaction System Makerid System Checkerid ZB pp un CNR Holiday Treatment System Date Q Next Working Day UPD Utils Batch Generate Customer Number Online Customer Mask
38. 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 Status Branch z Primary Key Function Identification Replication Details Source Code Function Identification Branch Primary Key Replication Input By Authorized By Modification Authorized ox Date Time Date Time Number Open Base your queries on any or all of the following parameters and fetch records 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 id ad ORACLE e Source Code e Function Identification e Branch e Primary Key e Modification Number e Status e Data e Data InTime e Replication Start Time e Replication E
39. only to customers sources that are linked to the liability Collateral Collateral details will be replicated to sources maintained as part of collateral maintenance and customers sources associated to the liability Collateral Pool Collateral pool details will not be replicated to all the sources instances of Oracle FLEXCUBE it will replicate all customer sources which are linked to that liability Facility details Facility details will be replicated to only sources maintained as part of collateral maintenance and customers 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 Interface Utilization details related to commitment contract will be replicated to specific Oracle FLEXCUBE instance 3 4 ORACLE 3 2 4 Processing Oracle FLEXCUBE Data Replication You can define the replication mechanism in Replication Mode Maintenance screen You can invoke this screen by typing CODELREFP in the field at the top right corner of the Application tool bar and clicking
40. price change e The price change is compared with the last price stored in the Collateral Maintenance screen e Ifthe 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 f the 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 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 cre
41. repayment Therefore on 01 February 1998 the Credit Limit available to ABC will remain at US 700 000 Unadvised Check this box to indicate that the facility is unadvised o 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 setting up the charge rule at the CL product creation level Availability 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 dii ORACLE Approved Limit Amount This is the maximum limit amount allowed for the facility and must be specified whenever you maintain schedule limits The system ensures that neither the Limit Amount maintained here nor the schedule Limit Amount maintained as part of the limits schedule is equal to or greater than the limit specified here Once the above entry is authorized then you cannot modify it Limit Amount Specify the limit for the facility If you have maintained schedules for limits the system automatically updates the limit amount here o
42. screen You can invoke this screen by typing GESQYFAC in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Authorization Status Record Status Line Code Liability No Eff Line Amount Basis Effective Line Amount Available Amount Line Start Date Id Search Advanced Search Reset Records per page 15 I4 4 1 of 1 L l Goto page Authorization Status Record Status Modification Number Line Code Serial Noj Liability No Eff Line Amount Basis Limit Am Modification Number Serial No Line Currency Limit Amount Utilisation s 1 s x J am pm 8 niu In Available Expiry Date m E lt Authorization Status A Authorized U Unauthorized Record Status C Closed 0 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 Av Flag e Expiry Date e Record Status e Line Code is ORACLE e Liability No e 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 o
43. so the system will reverse this reference number 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 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 7 14 ORACLE Apart from the Gate Way header information system requires following information SI No Field Name Data Type size Remarks Mandatory 1 Utilization Reference Number AlphaNumeric 16 Specifies Oracle FLEXCUBE ELCM utilization reference number No External Reference Number AlphaNumeric 50 If the product processor does not have Oracle FLEXCUBE ELCM utilization reference number then it sh
44. 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 e Pledge e Hypothecation e Mortgage e Assignment Haircut Specify the bank s margin Haircut to be assigned for Collateral ee ORACLE 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 the following e As apart 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 e Collateral which was Available and which has been linked to pool pools can modified as unavailable later on Unavailable collateral will not be available for subsequent 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 c
45. the linked universal line during EOD and utilizes this universal line DR CR Indicator Event Code Account Role Code Amount Tag C LINK UNUTLLMTGL COMMUTIL INCR D LINK UNUTLLMTOFF COMMUTIL INCR Example Consider the following details Amount Debit Credit Balance to Cont GL for Universal Line Universal Line Creation 10 000 000 10 000 000 10 000 000 Creation of Line for Line of 500 000 10 000 000 Credit Linking of Line to Line of Credit 500 000 10 000 000 Account Activation of Line of Credit 500 000 500 000 9 500 000 Account to which the above limit is linked Universal Line Creation 10 000 000 10 000 000 10 000 000 Suppose that the line of credit account is linked to the universal line Then at the time of activation of line of aforesaid line of credit account the system passes the entries provided in the above table If the line of credit is not linked to the universal line the system will not pass any accounting entry to universal line liability GL from line of credit 2 35 ORACLE Revolving Line Select this check 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 Example You have defined the Credit Line for your customer ABC Corporation for Loans to be 1 Million
46. uploaded transaction is reverted back using technical undo feature of ELCM 7 12 2 2 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 ELCM 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 the following e All error code of are available as part of the Oracle FLEXCUBE e All ELCM error codes starts with EL 7 12 2 3 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 tr
47. 000000 PRINCIPAL Increase 2 10 Feb 05 LINE1 100000 PRINCIPAL Decrease 3 15 Feb 05 LINE1 500000 PRINCIPAL Increase 4 10 Mar 05 LINE1 200000 PRINCIPAL Decrease 5 10 Mar 05 LINE1 200000 PRINCIPAL Increase 6 10 Apr 05 LINE1 1400000 PRINCIPAL Decrease Line Utilization S no Line code Value date Utilization 8 4 ORACLE S no Line code Value date Utilization 1 LINE1 10 Jan 05 1000000 2 LINE1 10 Feb 05 900000 3 LINE1 15 Feb 05 1400000 4 LINE1 10 Mar 05 1400000 5 LINE1 10 Apr 05 0 8 5 ORACLE 9 1 9 2 9 2 1 9 Annexure 3 Revaluation Introduction Oracle FLEXCUBE ELOM 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 Facility 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 se
48. 2 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 screen Batch Operations Out Bond Batch 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 10 4 ORACLE 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 10 4Interfaces The following interfaces are available as part of the Oracle FLEXCUBE ELCM system Module Interface Name In
49. 26 1 Liability Merger Maintenance eese eere 2 80 2 26 2 Liability Merger Process ies ettet dieses casts set deese boue e dee sony ladda sence ebbe etd 2 81 IUEeUB VEM PUn 3 1 3 1 INTRODUCTION E epe Xu ERE cote nee YN e QR EN UTR ta beled EE ERES Y scents 3 1 3 2 ONLINE DATA REPEICATI N eet rtt RI D PEE RHEIN Te PR THES ENFRENTE UN eSEE SEEREN RETAN 3 1 3 2 1 Replicating Data from Oracle FLEXCUBE to ELCM esses eene ee eene 3 1 3 2 2 Processing Data Replication eese eene nennen rennen ener nnne 3 3 3 2 3 Replicating Data from ELCM to Oracle FLEXCUBE sse eene eene 3 3 3 2 4 Processing Oracle FLEXCUBE Data Replication eese eene eene 3 5 3 37 REPLICATION PROCESS oiii m e eel n me er ete e ertet 3 6 3 3 1 Automatic Data Replication ccssccseccesssseneccessssensecesscsensesesacecnsecssaescnsecesacsonseessaesensecseneecneecesaesonsesees 3 6 3 3 2 Manual Data t rr RE RR SERRE I TR RE E ERES EE EUER 3 7 3 3 3 Viewing Successfully Replicated Records essent enne een enne 3 9 3 4 BATCH REPLICATION rrite teenie iea ie po hr e AIRE eon e t PERI RD E 3 9 3 4 1 Replicating Data from Oracle FLEXCUBE to ELCM sse 3 10 3 4 2 Replicating Data from ELCM to Oracle FLEXCUBE sse nennen
50. 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 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 6 1 ORACLE Covenant History Report Covenant Details Report Covenant Name All Liabilities Single Liability Liabilities List W Liability No Covenanat Name Select the covenanat name from the adjoining option list Liability Number Select the liability number for which you want to rertive the covenanat data 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 re
51. Add Collateral screen Add Collateral Web Page Dialog Collateral Details LiebityNo LUMLIABOS JF Lisb ty Branch SMS Collateral Code COLLATERALV1 Collateral Category LANDIO0 Colatersi Description COLLATERALV1 Secured Type Coltsteral Type Omano Market Value Based O Unsecured Guarantee Based Normal Urt Cortribution usD 25 User Reference Number C Revaiuste Collateral Lendakie Margin 36 Revision Date 5 Revaluation Date e Market Value Based Guarantee Based Securty Code Guarantor ki Number of Units Nominal Value Rating Amount Revokeable Price Code Revoke Date e Last Revat Price Next Reval Date Insurance Covenant Fields PROCEED x you may specify the necessary Collateral Details On saving the task goes to the Pending queue with the work title Add Collateral Pools Click Acquire button to send the task to the Assigned Queue 4 17 ORACLE 4 3 12 Stage 12 Add Collateral Pools Double click on the task in the Assigned Queue to view the Add Collateral Pool screen Add Collateral Pool Web Page Dialog LisbityNo LMLIABOS gt Pool Code POOLCT Pool Description POOLCT 0 0 Lisbity Branch 37000 00 coucarEnAL vt Z couarmALvi ColstersDescrp on ColsteralCcy Amount Branch Code Order CHO AE 1 Untied Amo Here you can specify the detai
52. Amount Exchange Rate Facility Currency Utilization Availability Equivalent USD 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 00 1600 00 9 2 ORACLE 9 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 Liability Code Line Code Liability Limit Liability Liability Availability Currency D Utilization Symphony Group Loans 100 000 USD 46900 00 53100 00 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
53. Block Amount Currency Restriction Revolving Line Netting Required Ett Line Amount Basis Funded Category Avaliable Amount Date Of Frst CO Oate Of Last CO Utiization Amount Utlizabon Netting Utlizabon Exception Exception Txn Amount Exception Breach Percentage Tenor Restrictions Limit Restrictions Schedules Value Dates Charges Covenants PoolLinks Exposures j Ext System Restrictions Fields The credit details you have specified before are displayed here You can verify the credit details displayed If found satisfactory select APPROVE On saving the record the record goes to the Pending Queue with View Customer List work title Click Acquire button to move the task into the Assigned queue If the Credit Details are not found to be satisfactory then select REJECT and the task is terminated 4 13 ORACLE 4 3 5 Stage 5 View Customer Details List 4 3 6 Here the user can check the number of customers available Double click on the task in the assigned queue The Customer Details screen will be displayed Customer Details Web Page Dialog Address Line 1 AARAA BANGALORE PROCEED s Eat The customer details of the customer for the facility are displayed You can verify the details displayed If found satisfactory select PROCEED On saving the record the record goes to the Pending Queue with Check for KYC Information work title Click Acqu
54. Collateral Code Collateral Cap POOL Collateral Pool Contribution amount Amount code amount Pool linkage ABB 55 000 60 000 Poolt 100 55 000 9 6 ORACLE Pool contribution to the line Pool Code Pool Currency Line Line Pool Pool Line Code Currency Line contribution available linkage amount to line amount Pool USD Loans USD 100 55 000 1 055 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 amount 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 Code Collateral Cap POOL Collateral Pool Contribution amount Amount code amount Pool linkage ABB 60 000 60 000 Pool1 100 60 000 Pool contribution to the line P
55. Collaterals On saving the task goes to the Pending queue with the work title Update Collateral Docs Click Acquire button to send the task to the Assigned Queue 4 3 9 Stage 9 Upload Collateral Docs Double click on the task from the Assigned queue The Upload Documents screen is displayed Upload Documents Web Page Dialog Customer Name VIMOO1 Sur Name VION Ful Name VIMOO1 Address BANGALORET BANGALORE2 BANGALORE3 BANGALORE4 Documents PROCEED v The Customer name and other address details will be displayed here Click on Documents button to upload the documents On saving the task goes to the Pending queue with the work title Verify Collateral Docs Click Acquire button to send the task to the Assigned Queue 4 3 10 Stage 10 Verify Collateral Docs Double click on the task in the Assigned Queue to view the Verify Documents screen 4 16 ORACLE Verify Documents Web Page Dialog PROCEED v Here click Documents button to verify the documents Select PROCEED On saving the task goes to the Pending queue with the work title Add Collateral Click Acquire button to send the task to the Assigned Queue In case the documents are not found then select DOCMISSING and then proceed to the previous stage Upload of Collateral Documents 4 3 11 Stage 11 Add Collateral Double click on the task in the Assigned Queue to view the
56. Dialog Customer No CUSTONOD1 Customer Type Bank Short Name NAME Corporate Short Name2 NAME Individual Branch Code CHO Customer Name NAME Full Name Address Line1 ADD Group Code Address Line 3 ADD Country USA Address Line 2 ADD Nationality USA Address Line 4 ADD Language ENG Fax Exposure Location Code Unique Identifier Name Unique Identifier Value Customer Category CAT Credit Rating Frozen Deceased Unadvised CRM Customer Issuer Customer Treasury Customer Revision Date Source User Reference Number Fields Specify the customer as Existing and save your record On saving the task goes to the Pending queue with Check for the Collaterals work title From there on selecting the task and clicking Acquired the task will successfully acquired and sent to the Assigned queue 4 4 ORACLE 4 2 4 Stage 4 Check for the Collaterals Double click the transaction from the Assigned Queue Branch Module Work Id Work Title Customer Txn Amt Txn Currency User RefNo Product Assigned Date Actions Header CHO CreateLimitsForCorpCust100003 CheckForTheCollaterals Fri May 30 15 34 43 IST 2008 Release CHO CreateLimitsForCorpCust90006 CheckForTheCustomer Thu May 29 12 13 19 IST 2008 Release CHO CreateLimitsForCorpCust100001 CreateLineCode Fri May 30 12 20 51 IST 2008 Release CHO CreateLimitsForCorpCust100002 UploadTheDocuments Fri May 30 14 44 50 IST 2008 Release
57. 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 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 9 4 ORACLE 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 Securities 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
58. FLEXCUBE ELOM provides reprocessing for locked records 10 2 5 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 Technical undo is also Transaction Id of the previous transaction Technical undo is not supported for Query and Notification transactions 10 3 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 Gateway Batch Process provides two kinds of process e Batch Inbound Process e Batch Outbound Process 10 3 1 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 In Bound Batch detailed The following operations via input files will be supported as an Input Files Batch Operations
59. FLEXCUBE Enterprise Limits and Collateral Management Oracle FLEXCUBE Universal Banking Release 11 3 1 0 0LA January 2012 Oracle Part Number E51536 01 ORACLE FINANCIAL SERVICES ORACLE Oracle FLEXCUBE Enterprise Limits and Collateral Management Table of Contents ABOUT THIS MANUAL 1 1 1 1 INTRODUGTION dn nri Pete a oe oie tunes 1 1 2 FRUDIENCE 1 1 3 ORGANIZATION eds 1 1 1 4 ACRONYMS AND enne 1 2 5 GLOSSARY OF ICONS EH E ORDRE cepts ace ROO TIR Oe 1 2 LIMITS amp COLLATERALS ccsetccecssscsecscssescescsssnessssnessessscsssssessessnesessnessessessossessnsssssnesssssessosseseoss 2 1 2 1 INTRODUCTION echter deer Pee ere ete ele olere ts 2 1 2 2 MAINTAINING CREDIT SCORE ceres siapio tonbo tete Ree ir Her nre ee ee eres 2 1 2 3 MAINTAINING AGENCY DETAILS FOR CREDIT RATING eeeeeeeeee eee enn en 2 2 2 4 MAINTAINING USER DEFINED S TATUS ceeeetetteie rete tte eee Mete rie ere irre nee eds 2 3 2 5 MAINTAINING CUSTOMER TO LIABILITY LINK enn ennemi innen enne nnns 2 3 2 0 LIABILITY MAINTENANGE erecti he eerte hr ER EI oi rd Here e eie eem s 2 4 2 6 1 Specifying Liability Scores cd et bar n aree ee Pepe e HER ERE ees 2 8 2 6 2 Specifying Liabi
60. Facility Available Amount Amount To Facility Start Date From Facility Start Date To Facility End Date From Facility End Date Transfer Amount r Transfer Amount Effective From Date Effective To Date Expiry Status Source User Reference Number Remarks Input By Authorized By Modification 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 Specify the names of the respective Liabilities here 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 a specified period From and To Facility Currencies For effective line transfer from one line to another the currency of both the lines has to be the same From Facility Start Date and End Date Specify the Start Date for line transfer when the allocation of certain portion or full amount becomes effective Specify the Expiry Date of the line transfer from the From Line ii ORACLE To Facility Start Date and End Date Specify the Start Date for line transfer when the allocation of certain portion or full amount becomes effective Specify the Expiry Date of the line tr
61. 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 Liability Code Line Code Facility Limit Facility Currency Symphony Group Loans 50 000 USD 9 1 ORACLE 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 Amount Exchange Rate Facility Currency Utilization Availability Equivalent USD 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 00 3100 00 On 01 February 2008 the exchange rates have changed now 1USD 1 6 AUD After the exchange rate revision has been changed 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
62. Jul 2009 75000 15 Aug 2009 80000 2 47 ORACLE 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 Limits Maintenance screen click on the Pool Links button Pool Links Pool Links m Pool Code Pool Description Pool Currency Pool Amount Facility Branch Code Pool z The LOV button for pool code will display all the pool codes associated for that liability Id On choosing a pool code the pool amount pool description and the pool currency will get displayed Pool Linkages multi entry block does two functions Firstly on clicking Plus button we can link one row of the available pool amount i e Pool amount Pool Utilized to that a Line code for which the collateral contribution is required Secondly it displays at all point in time the pool amount utilized by various Line Codes and Contracts 219 ORACLE 2 14 8 Defining Tenor based Restrictions You can define Limits based on the tenor of the contracts that utilize the limit Click Tenor Restrictions button from the Limits Maintenance Detailed screen to maintain Tenor restrictions for the limit you have specified for the Line Liability combination Tenor Restrictions Tenor Restrictions n Tenor Utilization You need
63. LORES PROCEED v Here you can enter Customer Information such as Customer Name and Address If you want to upload documents click Documents button to invoke the Upload the Documents screen 44 ORACLE J Upload the documents required for each stage Web Page Dialog Document Upload document Code Documert Description Document Path Upad NSURENCE INSURENCE C Documerts and Setting Browse Upload For each document you wish to upload specify the following details Document Code Specify the document code of the particular document Document code is maintained for particular documents in the document system Document Description Provide a brief description of the document here Document Path Browse for and hence specify the path of the location of the document Click Browse button for the path Click View to view the document you are uploading Click Upload to upload the document Click Ok On saving you entries the task goes to the Pending Queue with the work title Verify the Documents Click Acquire button to move it from pending queue to the assigned queue 4 2 ORACLE 4 2 2 Stage 2 Verify the Documents To view the Assigned tasks queue select the Tasks browser first Then choose Assigned In the Assigned queue double click a task The Verify the Documents screen opens 2 Verify The Documents Web Page Dialog Customer Name VIMOO Sur Name
64. Linkage etc to take effect from the particular date Oracle FLEXCUBE ELOM also tracks all the Utilizations of the Facility based on the value date of the transaction The utilizations will take effect from the value date of the transaction onwards Note the following e Tenor wise limits will continue to be based on booking date e Booking dated limit revaluation only will be done e Booking dated based overrides only will be provided e No validations based on the value dated balances will be done e Auto limits transfer limits transfer will be based on booking date Value Date Based Facility Maintenance Oracle FLEXCUBE ELCM facilitates maintaining Facility details based on a particular value date The changes in the Limits amount Main line linkage etc would take effect from the particular date The following parameters will be taken from the Facility Maintenance screen e Value date Any valid date in the past can be maintained No future valued records can be maintained and the value date cannot be before the conversion date e Main Line Code It is the main line that the Line reports to It will be validated that the main line in the Facilities maintenance booking dated is same as the main line in the latest record value dated in the maintenance e Limit Amount The limit amount for the facility It will be validated that the main line in the Facilities maintenance booking dated is same as the main line in the latest r
65. 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 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 Character b indicates the branch code and character n indicates number digits 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 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 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
66. Pool Amount The entire Collateral Linked amount will be displayed in this field Utilization 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 Available Interest Rate The interest rate maintained for the collateral code in Collateral Type Maintenance screen gets defaulted here Interest Spread Specify the interest 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 Rate of Interest Available Interest Rate Interest Spread Customer spread Expiry Date Expiry date gets defaulted from 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 the following e The batch program CASABAT is used to update the overdraft utilization at collateral level 5 ORACLE e If arollover happens for a TD linked as collateral during BOD the interest rate applied on the TD gets updated to t
67. Revolving Line Netting Required Funded Line Start Date 73 2 Expiry Date Lost Avadable Date Avsiment Date Conversion Date Um Amount Collateral Amourt Transfer Amourt Ettective Line Amount Uncoliater alized Funds Line Reporting Amourt Block Amount Et Line Amount Basis Category Utilization Available Amourt Date Ot First Date Of Last CO Utlizabon Amourt Tarked Utlizabon Netting Utlizabon Exception Exception Txn Amourt Exception Breach Percentage internat Remarks Tenor Restrictions Limit Restrictions Schedules Value Dates Charges Covenants PoolLinks Exposures Ext System Restrictions Fields The details pertaining to Renewal of limits are displayed You can make changes if any in the details displayed If found satisfactory select APPROVE On saving the record the record goes to the Pending Queue with Add Collateral work title Click Acquire button to move the task into the Assigned queue If the Sanction Decision Details are not found to be satisfactory then select REJECT and the task is terminated 4 15 ORACLE 4 3 8 Stage 8 Add Collaterals Double click on the task in the Assigned Queue to view the Add Collateral screen J Add Collaterals Web Page Dialog Query Resut jg Collateral Value Offset Margin 14 Contribution StetDete End Date ColateraiCcy Code 4 Here you may specify the necessary
68. Utilization screen by typing GEDUTILS in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Utilization Utilisation Details Transaction Module AC az Utilisation ID Source ELCM Utilisation Branch laz Thansaction wai User Reference Number C Simulate Limit Type Liability v Transaction Details Liability Details Customer Number Liability Currency Utilisation Currency Branch Utilisation Product Liability Utilisation Uncollected Amount Tenor Basis Limit Utilization Details Raal Limit Ccy Maturity Date Limit Util Matured Amount Amount Tag Remarks Value Date Liability No Facility Block No Linkage Reference No Utilisation Amount Input By Authorized By Contract Authorized Date Time Date Time Status 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 7 19 ORACLE Simulate Check this box to indicate that the details for
69. VIMOO Ful Name PROCEEO v Click Documents button to verify the documents In the screen that opens indicate against each document whether it s verified or not Verify for mandatory documents Web Page Dialog Document Upload Document Code Document Description View Verified FACLT a TESTA View 7 On click of the Ok button the DMS reference number will be saved in the database On satisfactorily verifying the documents you may choose Proceed Click Ok button On saving the record the task goes to the Pending queue with Check for the Customer work title From the Pending queue click Acquire button to move the task to the Assigned queue You can pick up the task from the Assigned Queue 9 In case the documents are not found then select DOCMISSING and then proceed to the previous stage Upload of Documents 4 3 ORACLE 4 2 3 Stage 3 Checking for the Customer Double click on the task in the assigned queue The Check For the Existing Customer screen will be displayed Check For Existing Customer Web Page Dialog Customer Details Customer No LBL LIABID LBL CCATEG Sur Name Custome CUSO001 CUSOD01 Individual CUSO001 CUSO001 CUSO001 Details You may click Details button to view the Customer details screen as shown below EXISTING v ok 1 Customer Details SubScreen Web Page
70. You also define the credit line to be revolving ABC Corporation takes a loan for 300 000 on 01 January 1998 ABC s credit limit now stands at 700 000 as it is reduced by 300 000 on account of the loan The repayment schedule for the loan as follows e USD 100 000 to be repaid on 01 February 1998 e USD 100 000 to be repaid 01 March 1998 e USD 100 000 to be repaid on 01 April 1998 On 1 February 1999 when ABC repays 100 000 its credit limit is reinstated by 100 000 Therefore on 01 February 1998 the available Credit Limit of ABC stands reinstated at 800 000 You can define a credit line as Non revolving for a special transaction line or to allot a one time credit facility to a customer This will ensure that the line is used for just one transaction and repayments on that transaction will not make the limit available again Example You have defined the Credit Line for your customer ABC Corporation for Loans to be 1 Million You also define the credit line to be non revolving ABC Corporation takes a loan for 300 000 on 01 January 1998 ABC s credit limit now stands at 700 000 as it is reduced by 300 000 on account of the loan The repayment schedule for the loan as follows US 100 000 to be repaid on 01 February 1998 e US 100 000 to be repaid on 01 March 1998 e US 100 000 to be repaid on 01 April 1998 On 1 February 1999 when ABC repays US 100 000 its credit limit will not be reinstated by US 100 000
71. action Stats isa deesse cE en s ca aden Eee a eee pee s dede nts 7 25 ANNEXURE 2 VALUE DATED FACILITY eee tne e esten aee se etta ee seen sesta 8 1 8 1 INTRODUGCTION deeds BEE E EEEE T etes e eerte A eee e dence e dte redeo repone dades 8 1 8 2 VALUE DATE BASED FACILITY MAINTENANCE eee e e enemennnen nnns nne nsns e ise ese ese ese ases esee esas en 8 1 8 3 VALUE DATE BASED UTILIZATION PROCESSING eeeeeeetee e e e emen ener ense e essi ntes n esee esas en 8 2 8 3 1 Back Valued Transactions ccccccccccccssssssceccccccsssseseccccccccsuseseccececcussseseescccseuuuscccecccessuaeseccececessuasaeececees 8 2 6 3 2 EOD Processing 1 uet ert RR IER ERE REFUS Iain Er rU ERIT NR 6 2 ANNEXURE 3 REVALUAT ION esee eo eo seo ea rane ito n aereo o oet EPI Fake ee senceseesbessssnseseadenseeseess 9 1 9 1 INTRODUCTION 9 1 9 2 CURRENCY REVALUATION 9 1 9 2 1 Facility Currency and Utilization Currency 9 9 2 2 Facility Currency and Collateral Currency eee eese eene eere 9 3 9 3 COLLATERAL REVALUATION 5th opi etim miei 9 4 9 3 1 Collateral Revaluation of Market Based Securities eese eene 9 4 9 3 2 Collateral Revaluation of Non Market Based Securities esee 9 9 10 ANNEXURE 4
72. action is a Breached transaction The excessive amount is called as the Breached amount 4 4 1 Pending Task before Acquiring the Task T Branch Module Work Id Work Title Customer Number Txn Amount Txn Currency User Reference Number Product Assigned Date Actions Header Mon Sep 29 09 14 45 wane CHO Multi amp uthorization270001 AuthorizationHumanTask LIMCUSTO2 18000 USD CFCF GMT 05 30 2008 cquire Tue Sep 23 11 59 52 CHO CreateLimitsForCorpCust230003 CheckForTheCollaterals GMT 05 30 2008 Acquire s 22 16 29 03 CHO CreditRenewalForCorpCust220007 Modify TheLimits GMT 05 30 2008 Acquire 3 Mon Sep 22 11 58 45 acci CHO CreditRenewalForCorpCust220001 Modify TheLimits GMT 05 30 2008 cquire Tue Sep 23 12 08 54 CHO CreditRenewalF orCorpCust230006 Upload Documents GMT 05 30 2008 Acquire Wed Sep 24 CHO CreditRenewalF orCorpCust240006 Upload Documents 18 28 54 05 30 Acquire 2008 23 17 33 33 5 CHO CreatelimitsForCorpCust240001 UploadTheDocuments 05 30 2008 Acquire Wed Sep 24 CHO CreditRenewalForCorpCust250001 ViewCustomerList 19 25 16 GMT 05 30 Acquire 2008 4 4 2 Task in Assigned Task List for Assigned User Group Users Branch Module Work Id Work Title Customer Number Txn Amount Txn Currency User Reference Number Product Assigned Date Actions Header Fri Sep 26 12 27 51 CHO Mutti amp uthorization25001 7 AuthorizationHumanTask LIMCUSTO2 55000 USD LDPT OMT 05 30 2008 Re
73. action 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 Authorization Alphabet 1 Indicates whether transaction should ignore the overrides occurred in the process or not Possible values Y force authorize and N not force authorized Default value is N No 25 User ID AlphaNumeric 11 Specifies valid Oracle FLEXCUBE ELOM user id who is performing the operation 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 Values Y simulate and N actual transaction Default value is N No 74 ORACLE SI No Field Name Data Type size Remarks Mandatory 27 Block Alphanumeric 50 Specifies a valid block No Reference number for a facility If Number liability and facility details for new utilization and the facility match the earmarked amount corresponding to the block maintained for the facility is made available for the new utilization 7 2 1 1 Validations for a New Utilization Process Apart from the mandatory checks system performs the following validations e Transaction ID should be unique e Action code should be a valid Oracle FLEXCUBE ELCM action code e Source and User should be valid
74. active sub lines reporting to this main line If limit is not closed due to the above exceptions then the system logs the same into an exception table GETB EXCEPTION 06 If particular limit is not closed on expiry date due to the above exception then same limit is taken up for auto closure process on next EOD 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 xs ORACLE 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 field at the top right corner of the Application tool bar and clicking the adjoining arrow button Branch Transfer Ref No From Liability Details To Liability Number From Liability Number Jail To Liability Name From Liability Name e ToLine 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
75. aintenance Category Name Category Description Collateral Type Id z Collateral Description Revision Date E Secured Type Secured Category Type Sovereigns Unsecured Banks O Liquid Q Corporate Tangible Type Tangible Frequency Yearly v O Intangible Due Date On Start Month March Remarks Mortgage Type Mortgage i Collateral Haircut Category 41 18 Haircut Name Description Haircut Percentage Primary o Input BYDOCUMENT2 Authorized By Modification Authorized cancer Cancel Date Time Date Time Number Open Cancel Category Name and Description Specify the Category name and a brief description of the category Collateral Type and Description Specify the collateral type and a brief description of it Category Type Indicate the category type from the following e Sovereigns e Bank is ORACLE e Corporate Revision Date Specify the date on which the Collateral Category has to be revised Secured Type Indicate the Collateral Exposure Type from the following e Secured e Unsecured e Liquid Type Tangible Type Specify the asset type here Tangible or intangible Mortgage Type For collateral types which belong to Real category you are required to indicate one of the following options as the mortgage type e Mortgage e Non mortgage e Others The system creates provision
76. al code has been picked Collateral Amount The collateral amount which has been maintained will be displayed when a collateral code has been picked Linked Amount Specify the part of the collateral amount which has to be linked to the pool This indicates whether the pool contribution amount is less than or equal to the collateral amount Hence for every collateral that you choose to include in the pool you can indicate whether the entire collateral amount or only a part it should be contributed to the pool amount Linked Amount Pool Currency In addition to specifying the linked amount you also have to specify the currency of the pool This is essential because the collaterals linked to a pool can be in different currencies i ORACLE For Example you have linked the pool LOANP001 to the liability BIRLA0001 LOANP001 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
77. 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 Liability Score Liability Score LI Score Name Score Description 2 6 2 Specifying Liability Credit Rating When Liability 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 Credit Rating Agency Credit Rating 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 xi ORACLE 2 7 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 Detail
78. 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 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 All other 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
79. ansaction status as override If overrides occur as part of transaction process then the system displays the override details to the user You have an option to accept or reject the overrides If the override occurs as part of the request XML Multitrip 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 7 12 2 4 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 7 26 ORACLE 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 a
80. ansfer to the To Line From Facility Available Amount and To Available Amount Specify the available amount for the To Line from the From Facility Specify the limit of the transferred amount allowed to the To Facility Effective From Date and Effective To Date The Effective From Date of transfer is defaulted to the application date and is allowed for modification only during contract amendment 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 Liability from the Effective Date onwards AT ORACLE 2 23 Force Collateral Revaluation You can run the ad hoc revaluation process for market based collaterals using the Ad Hoc Revaluation 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 Adhoc Revaluation screen by typing GEDADREV in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Adhoc Revaluation Security Code Security Price Process Specify the Security Code for revaluation Then click Process 2 24 Multi Authorization Maintenance Multi authorisation maintenance can be done via the Multi Authorisation Maintenance
81. are multiple utilization for same reference number This tag would indicate which component needs to be modified No the Modified Utilization Amount Numeric Indicates the Increase Decrease Utilization Amount Yes 7 17 ORACLE SI No Field Name Data Type size Remarks Mandatory Utilization Currency AlphaNumeric 3 Indicated the currency of the utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system No 21 Transaction Initiated 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 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 Authorization Alphabet 1 Indicates whether transaction should ignore the overrides occurred in the process or not Possible values Y force authorize and not fore authorized Default value is N No 7 18 ORACLE 7 9 Utilization Transaction Screen All utilization requests explained above can also be raised through the Limit Utilization screen You can invoke the Limit
82. as part of Header section Source Code Yes TxnID AlphaNumeric 50 Indicates the Transaction Id of the message Transaction 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 Reference Number AlphaNumeric 50 Specifies the product processor reference number Yes Customer Number AlphaNumeric 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 AlphaNumeric 11 Specifies the Liability Number of the utilization transaction Liability Number entered should be valid Liability Number in Oracle FLEXCUBE ELCM system Yes 7 2 ORACLE SI No Field Name Data Type size Remarks Mandatory 8 Facility Code AlphaNumeric 9 Specifies the Facility Code No of the utilization transaction Facility Code entered should be valid Facility Code in Oracle FLEXCUBE ELCM System 9 Facility Serial Numeric 2 Specifies the Facility Serial No Number number of th
83. as to be changed then the loan transaction will be modified and subsequently Alter Utilization needs to be passed to the Oracle FLEXCUBE ELCM system Increase decrease utilization would only modify only the utilization amount 7 4 1 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 SI No Field Name Data Type Remarks Mandatory 7 9 ORACLE SI No Field Name Data Type Remarks Mandatory Source AlphaNumeric 35 Indicates the product processor name from where the transaction has been originated This field will be as part of Header section Source Code Yes TxnID AlphaNumeric 50 Indicates the Transaction Id of the message Transaction 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
84. ate 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 Insurance Code Specify the insurance code of the policy for which you want to capture insurance details id ORACLE 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 remarks about the insurance details Coverage Specify the coverage details of the insurance 2 12 4 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 CovenantName Description Revision Date Mandatory Grace Days Notice Days 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
85. ation based on the status received from the other sources 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 3 3 1 Automatic Data Replication Automatic replication takes place using Oracle FLEXCUBE scheduler process ELCM replication 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 8 ORACLE 3 3 2 Manual Data Replication You can select the data to be replicated on the basis
86. ation process ELCM updates utilized amount at facility level and liability level The Liability details after loan transaction would be as below e Liability Code COCACOLA e Liability Currency USD e Overall Limit 100 000 000 e Amount Utilized 500 000 The Facility details after loan transaction is as below e Liability Code COCACOLA e Facility Code COCALOANO1 e Limit Amount USD e Facility currency 1 000 000 e Amount Utilized 500 000 e 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 e Liability Code COCACOLA e Liability Currency USD e Amount Utilized 100 000 000 e Overall Limit 400 000 Since line linked to loan is revolving as part payment transaction would reduce amount utilized 7 28 ORACLE 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 7 29 ORACLE 8 1 8 2 8 Annexure 2 Value Dated Facility Introduction Oracle FLEXCUBE ELOM provides a feature to maintain Facility details based on a particular value date This is called the Vale Dated Facility This facilitates the changes in the Limits Amount Main Line
87. ative for the facility e The Tenor Limit Amount exceeds the Line Limit Amount e The amount cannot exceed the overall limit specified for the liability id e Main Line Limit cannot be less than any of its Sub Line Limit e Sub Line Limit cannot exceed the Main Line Limit Example Assume the following e Liability GROUPLIAB e SHTLLIMIT e Serial 1 e Start Date 01 Jul 2009 e Limit Currency USD e Limit Amount 50000 dis ORACLE Schedules Limit Date Limit Amount 15 Jul 2009 60000 28 Jul 2009 65000 30 Jul 2009 75000 15 Aug 2009 80000 e System Date 14 Jul 2009 e 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 e System Date 15 Jul 2009 e Limit Amount 60000 Schedules Limit Date Limit Amount 15 Jul 2009 60000 28 Jul 2009 65000 30 Jul 2009 75000 15 Aug 2009 80000 e System Date 27 Jul 2009 e Limit Amount 60000 e 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 e System Date 30 Jul 2009 e Limit Amount 75000 Schedules Limit Date Limit Amount 15 Jul 2009 60000 28 Jul 2009 65000 30
88. ayment 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 i 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 Exposure Block Amount The value of the Block Amount field in the Block Exposure Maintenance screen is displayed 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 exposu
89. balances will be from the conversion date only 8 3 2 EOD Processing If the value date update is not online but as part of Facility EOD process it would be updated as shown in the following examples Example Let us consider a Loan of 1 Million USD Value date 10 Jan 2005 Revolving Line 8 2 ORACLE Step 1 Initiation Utilization Log Step 2 Payment of 0 1M Principal value date 10 Feb S no Value date Line code Utilization Component Increase decrease 1 10 Jan 05 LINE1 1000000 PRINCIPAL Increase Line Utilization S no Value date Line code Utilization 1 10 Jan 05 LINE1 1000000 2005 Utilization Log S no Value date Line code Utilization Component Increase decrease 1 10 Jan 05 LINE1 1000000 PRINCIPAL Increase 2 10 Feb 05 LINE1 100000 PRINCIPAL Decrease Line Utilization S no Line code Value date Utilization 1 LINE1 10 Jan 05 1000000 2 LINE1 10 Feb 05 900000 Step 3 Value dated amendment of 0 5M Principal increase value date 15 Feb 2005 Utilization Log ORACLE S no Value date Line code Utilization Component Increase decrease 1 10 Jan 05 LINE1 1000000 PRINCIPAL Increase 2 10 Feb 05 LINE1 100000 PRINCIPAL Decrease 3 15 Feb 05 LINE1 500000 PRINCIPAL Increase Line Utilization S no Line code Value
90. ce Code e Branch e Function e Status e Primary Key e Mod Number 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 ORACLE 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 3 4 1 Replicating Data from Oracle FLEXCUBE to ELCM Following data will be replicated from Oracle FLEXCUBE to ELCM using GI module of Oracle FLEXCUBE Replication Data Interface ID for Interface ID for Interface ID Error Complete Incremental Record Refresh Refresh 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 IFFCCCOM IFFCICOM IFFCECOM Reference Number 3 4 2 Replicating Data from ELCM to Oracle FLEXCUBE As part of replication process following data will be replicated from ELCM to FCUBS Replication Data Interface ID for Interface ID for Interface ID Error Complete Incremental Record Refresh Refresh Refresh Liability IFELCLIAB IFELILIAB IFELELIAB Customer liability IFELCCIFL IFELICIFL IFELECIFL link Collateral IFELCCOL IFELICOL IFELECOL Collateral
91. cord and check the Netting check box 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 id ORACLE 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 2 14 13 Viewing Previous Credit Limit Changes You can view previous changes made to the credit limit using the Facilities Summary
92. ctions 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 trigger 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
93. date Utilization 1 LINE1 10 Jan 05 1000000 2 LINE1 10 Feb 05 900000 3 LINE1 15 Feb 05 1400000 Step 4 Payment of 0 2M value date 10 mar 2005 Utilization Log S no Value date Line code Utilization Component Increase Decrease 1 10 Jan 05 LINE1 1000000 PRINCIPAL Increase 8 3 S no Value date Line code Utilization Component Increase Decrease 2 10 Feb 05 LINE1 100000 PRINCIPAL Decrease 3 15 Feb 05 LINE1 500000 PRINCIPAL Increase 4 10 Mar 05 LINE1 200000 PRINCIPAL Decrease Line Utilization S no Line code Value date Utilization 1 LINE1 10 Jan 05 1000000 2 LINE1 10 Feb 05 900000 3 LINE1 15 Feb 05 1400000 4 LINE1 10 Mar 05 1200000 Step 5 Reversal of Payment of 0 2M value date 10 mar 2005 on 15 mar 2005 Utilization Log S no Value date Line code Utilization Component Increase decrease 1 10 Jan 05 LINE1 1000000 PRINCIPAL Increase 2 10 Feb 05 LINE1 100000 PRINCIPAL Decrease 3 15 Feb 05 LINE1 500000 PRINCIPAL Increase 4 10 Mar 05 LINE1 200000 PRINCIPAL Decrease 5 10 Mar 05 LINE1 200000 PRINCIPAL Increase Line Utilization Step 6 Liquidation of Contract Value date 10 apr 2005 Utilization Log S no Value date Line code Utilization Component Increase decrease 1 10 Jan 05 LINE1 1
94. dit 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 Liability Code Line Code Liability Limit Symphony Group Loans 1million Collateral Code Collateral Cap POOL Collateral Pool Contribution amount Amount code amount Pool 96 linkage ABB 50 000 60 000 Pool1 100 50 000 Pool contribution to the line 9 5 ORACLE Pool Code Pool Currency Line Line Pool Pool Line available Code Currency Line contribution amount credit linkage amount to limit Pool 96 line contribution Pool1 USD Loans USD 100 50 000 1 05million 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 process 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
95. dow Limit if the mainline does not have this facility 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 Funded Indicate whether the line is fund based or non fund based Project ID The system will display the Project ID that this facility is linked to ane ORACLE PPC ID The system will display the PPC ID that this facility is linked to Universal Line Check this box to indicate that the line created is of universal type The universal line is a non revolving line created in Limit Maintenance The universal line is not a LOC line On creation of a universal line the system passes the following contingent entries for the Initiation of the line DR CR Event Code Accounting Role Amount Tag Indicator D BOOK UNUTLLMTGL PRINCIPAL FWD C BOOK UNUTLLMTOFF PRINCIPAL FWD You can link the limit lines of line of credit accounts with such universal lines Subsequently when the line of credit account gets activated System passes the following contingent entries for GL for
96. e AlphaNumeric 50 If the product processor does Yes Number not have Oracle FLEXCUBE ELCM utilization reference number then it should pass the product processor reference number 3 AmountTag AlphaNumeric 20 Amount tag would be No required when there are multiple utilization for the same reference number This tag would indicate which component needs to be deleted 7 2 4 Technical Undo Special Delete 7 3 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 Ta ORACLE SI No Field Name Data Type size Remarks Mandatory Utilization Reference Number AlphaNumeric 16 Specifies Oracle FLEXCUBE ELCM utilization refer
97. e Application tool bar and clicking the adjoining arrow button Replication Mode Maintenance Source Code a az Replication type Synchronous w Replication URL Replication Queue Remarks Input By Authorized By Modification Authorized Date Time Date Time Number Open Source Specify the Oracle FLEXCUBE instance from the adjoining option list for which the data need to be replicated o Source Code for Oracle FLEXCUBE instances are e FCUBS1 FCUBS Instance 1 e FCUBS2 FCUBS Instance 2 e FCUBSS FCUBS Instance Replication 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 a3 ORACLE Replication Data Replication Details 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
98. e Customer upload e Utilization Upload e Liability upload e Facility upload e Collateral upload e Securities upload e Rates upload Utilization Upload 10 3 ORACLE All the utilizations as part of Oracle FLEXCUBE ELCM Transaction functions are provided for as a part of Batch Inbound 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 Limits Upload Limits creation as part of batch upload is provided for Liability upload allows more than one Limits record to be uploaded in a single upload process Collateral Upload Collateral creation as part of batch upload is provided for Liability 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 Liability 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 Liability 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 Liability upload allows more than one Rates record to be uploaded in a single upload process 10 3
99. e linked to a liability Specify the liability Number for which the collateral is linked i ORACLE Collateral Code Specify the Collateral Code here A maximum of 20 alphanumeric characters are allowed in this field There should be only one Collateral code for a given Liability 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 Collateral Linked Percentage is set at 100 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 Collateral Currency Specify
100. e number Yes 7 16 ORACLE 7 8 SI No Field Name Data Type size Remarks Mandatory AmountTag AlphaNumeric 20 Amount tag would be required when there are multiple utilization for same reference number This tag would indicate which component needs to be authorized No the Simulate Alphabet 1 Indicates if the transaction 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 Mandatory 1 Utilization Reference Number AlphaNumeric 16 Specifies Oracle FLEXCUBE ELCM utilization reference number No External Reference Number AlphaNumeric 50 If the product processor does not have Oracle FLEXCUBE ELCM utilization reference number then it should pass th product processor reference number Yes e AmountTag AlphaNumeric 20 Amount tag would be required when there
101. e top right corner of the Application tool bar and clicking the adjoining arrow button 2 3 ORACLE 2 6 Liability Customer Branch Code Customer Number Liability No Liabilit Name Customer Exposures a Exposure Name Exposure Description Exposure Type E Input By Authorized By Modification Authorized i i Number Date Time Date Time Open Customer No Specify customer s number to whom the liability has to be linked Liability No and Liability Name Specify the number and name of the Liability to be linked to the customer Customer Exposure Exposure Type and Exposure Name 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 Specify the exposure type which needs to be linked for the customer e Exposure Name Specify a particular exposure name under the exposure type which is maintained under track exposures Note the following e The Customer to Liability Link Maintenance is mandatory when limits tracking are required under any of the Oracle FLEXCUBE modules e 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 Liability Maintenance Every customer of your ba
102. e utilization transaction 10 Utilization Numeric Indicates the Utilization Yes Amount Amount 11 Utilization AlphaNumeric 3 Indicated the currency of Yes Currency the utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system 12 Utilization Alphabet 10 Indicates External product No Product 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 No transaction 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 transaction 20 Module Alphabet 10 Indicates the module of the No transaction 7 3 ORACLE SI No Field Name Data Type size Remarks Mandatory 21 Transaction Initiated 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 If value is not passed then system will default to Oracle FLEXCUBE ELCM present branch date No 23 Authorization Status Alphabet 1 Indicates whether trans
103. ecord value dated in the maintenance Whenever a new Limit Line is created a new record will be automatically created by the system with the value date as the Limit Start Date The Main Line and the Limit Amount will be same as the booking dated limit maintenance Whenever the Mainline or the Limit amount is changed in the facility a new record will be created in the maintenance with value date as the application date The mainline and limit amount values will be same as in the booking dated Limits maintenance You can manually change the value to an older value date by clicking Value Date button The Conversion Date contains the date when facility was migrated from the external system to Oracle FLEXCUBE ELOM In the Facility screen this date will be displayed Back Valued Static Maintenance Changes The value dated utilization details will be rebuilt from the value date of the change whenever the following static maintenances are done 8 1 ORACLE 8 3 8 3 1 e Limit Amount Change e Mainline Sub Line Linkage If the facility has been migrated then back valued static maintenance cannot be prior to the conversion date Value Date Based Utilization Processing Oracle FLEXCUBE ELCM also tracks all the utilizations of the facility based on the value date of the transaction The utilizations will take effect from the value date of the transaction onwards The following transactions are supported for Value dated processing e
104. eene 3 10 PROCESS FLOWS 4 1 4 1 INTRODUCTION aieo nee ertet onm a iter dr d ete e D E E vets cessed 4 1 4 2 i BACIEITY CREATION eee derit o eiie ete e ER E epe etd e Ie EE ie erint 4 1 4 2 1 Stage 1 Upload of Documents Initiation Stage cese nennen 4 1 4 2 2 Stage 2z Verilythe Documents eoe SU eei e dp RE Warp ws Gave aces e 4 3 4 2 3 Stage 3 Checking for the Customer intop a EEE ener 4 4 4 2 4 Stape4 Check for the Collaterals eget gamma eae 4 5 4 2 5 Stage 5 Upload Collateral ato date aa RIO aes 4 6 4 2 6 Stage 6 Verify Collater l DOCS e dete dad aUos adm petiam eae 4 6 4 2 7 Stage 7 Add Collater ls a aetema deua eR PURO e 4 7 4 2 8 Stage 8 Add CollateralPools deo eeu ade qe mcm eate 4 8 4 2 9 Sace Q Creationof Limits se e eto ade qae redu qa vee tee 4 8 4 3 BACIEITY RENEWAL e erem eve tee ete e SERT v WE Dese tei pee vr e UD ee eere te teet e eese 4 9 4 3 1 Stage 1 Upload of Documents Initiation Stage esee nennen nennen 4 9 4 3 2 Stage 2 Verify the DOGWuments eee eda e qune eee sae GR 4 11 4 3 3 Stapge 3 Input Credit Details eie etr e n ip e QU P RE e et repete gis 4 12 4 3 4 Stage 4 Verify Credit D tails ser eee e t ete re tren sass 4 13 4 3 5 Stage 5 View Customer Details List eee tette 4 14 4 3 6
105. em subsequently blocks marks Lien on the linked Term Deposit 66 ORACLE 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 Linked Contract Wi Contract Ref No Contract Contribution Modification of existing linked contracts can also be done in the above screen Contract Reference No 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 following e The Term Deposit contract needed for Collateral Linkage must be maintained in Netting Maintenance with any contract type other than AC e Once the contract is linked as collateral then its collateral value cannot exceed its contract amount as maintained in the Account Netting screen e start date of the collateral should be later than the value date of the respective contract netting maintenance Likewise the expiry date of the collatera
106. ence number No External Reference Number AlphaNumeric 50 If the product processor does not have Oracle FLEXCUBE ELCM utilization reference number then it should pass the product processor reference number Yes AmountTag AlphaNumeric 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 Modified Utilization Amount Numeric Indicates the Increase Decrease Utilization Amount Yes Utilization Currency AlphaNumeric 3 Indicated the currency of the utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system No 21 Transaction Initiated 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 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 Authorization Alphabet 1 Indicates whether transaction should ignore the overrides occurred in the process or not Possible values Y force authorize and N not force authorized Default value is N No
107. ents screen is displayed Customer Name vIMO02 Sur Name VIMOO2 Fui Name 002 Adress BANGALORET BANGALORE3 BANGALORE2 BANGALORE4 Documents PROCEED The Customer name and other address details will be displayed here Click on Documents button to upload the documents On saving the task goes to the Pending queue with the work title Verify Collateral Docs Click Acquire button to send the task to the Assigned Queue 4 2 6 Stage 6 Verify Collateral Docs Here the user can verify the documents which were previously uploaded Double click on the task in the Assigned Queue to view the Verify Documents screen Verify Documents Web Page Dialog Customer Name VIMI Sur Name 002 Ful Name Address BANGALORET PROCEED v Here click Documents button to verify the documents Select PROCEED On saving the task goes to the Pending queue with the work title Add Collaterals Click Acquire button to send the task to the Assigned Queue 4 6 ORACLE In case the documents are not found then select DOCMISSING and then proceed to the previous stage Upload of Collateral Documents 4 2 7 Stage 7 Add Collaterals In this stage you can add more collaterals for the facility Double click on the task in the Assigned Queue to view the Add Collateral screen J Add Collateral Web Page Dialog Collateral Details Liability No LIMLIABOS
108. er ID AlphaNumeric 11 Specifies valid Oracle FLEXCUBE ELCM user id who is performing the operation 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 Values Y simulate and N actual transaction Default value is N No 7 12 ORACLE 7 5 7 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 Mandatory 1 Utilization Reference Number AlphaNumeric 16 Specifies Oracle FLEXCUBE ELCM utilization reference number No External Reference Number AlphaNumeric 50 If the product processor does not have Oracle FLEXCUBE ELCM utilization reference number then it should pass the product processor reference number Yes AmountTag AlphaNumeric 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 Modified Utilization Amount Numeric Indicates the Increase Decrease Utilization Amount Yes Utilization Currency Al
109. ermission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software Limited to notify any person of such revision or changes All company and product names are trademarks of the respective companies with which they are associated
110. escssesocsccavssssseccssecevecsssssdsccvevceecssivcesccsevevscssesssscsvessesvsses 7 9 7 4 1 Input Alter Utilization iiie ee re ne neri I ere Peiper e e HERD Sgen 7 9 7 5 REVERSE UTILIZATION EEE AEE nnns nnns ese e ese E esa sse sse ese 71 13 7 5 1 Input Reverse Utilization une tee die err o ri ren edente it ids 7 13 7 5 1 1 Validations for Modify Utilization process eese enne nennen 7 14 7 6 SET BALANCE OF UTILIZATION TRANSACTION ccccccececececececececececececececececececececececececececececececececececececeescs 7 14 7 6 1 1 Validations for Modify Utilization Process eese eese entren 7 16 7 7 QUERY UTILIZATION rere tr a ele wheel ee aed aia 7 16 7 8 MATURE UTILIZATION TRANSACTION aeni eina nin aana a n a e einer eaa a iais 7 17 7 9 UTILIZATION TRANSACTION SCREEN i n ene e a a a a ais 7 19 7 10 RECONCILIATION OF UTILIZATION TRANSACTIONS ccccccecececececececececececececececscscececececscecececececsseceeeeeeeeecs 7 22 7 11 INCREASING DECREASING UTILIZATIONS ccccccccecececececececececececececececececececececececececececececececececseeceeeceeeeess 7 22 7 12 LINKING AN UTILIZATION TRANSACTION TO A FACILITY ccccccccececececececececececececececececececececeeececeeseeeeess 7 23 7 12 1 Collateral Pool Utilization Transaction Process esses eene ehe enne ne nee thet esee nennen eren 7 25 7 12 2 Utilization Trans
111. etails 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 Specify the unique Credit Rating code ID Credit Rating Give a brief description of the Credit Rating code ID 2 2 Authorized Open 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 User Define Status Maintenance screen You can name and describe statuses here 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 Status Input By Authorized By Modification Date Time Date Time Number Enter the following details User Defined Status Provide a name ID for the status here Description Give a brief description of the status Maintaining Customer to Liability Link Authorized exit Open 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 Maintenance screen by typing GEDCULIK in the field at th
112. f them e Authorization Status e Record Status e Mod No e Line Code e Serial No e Liability No e Line Currency e Line Amount Basis e Limit Amount e Line Amount e Utilisation e Available Amount e Av 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 296 ORACLE Facilities Summary Detailed Availability Status Log Fields Netting Required Unedvsed Funded Suk PMT Required Avelabity Flag Line Start Date 2007 11 27 Expry Date 2009 11 20 Date Tene 2008 01 31 Date Time 2008 01 31 00 00 00 00 00 00 Amounts Utibzatbion y d oo Exception Exception Transactic Exception Breach IRAI INT FFF RFON Limit Restrictions Tenor Restriction Schedules Value Dates Charges Covenants Pool Links Exposers UDE Details Modification Number 4 ENT Bo This is 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 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
113. 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 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 type here Issuer Code Specify the issuer code for the customer for whom the secur
114. fy the UDE ID of the commitment UDE Value Specify the UDE value of the commitment Rate Code Specify the rate code of the commitment dius ORACLE Code Usage Specify the code usage of the commitment You can use the above UDE details to upload commitment details to Oracle FLEXCUBE as 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 11 Maintaining Mandate Details You can maintain mandate information for specific line codes using Mandate screen Click Mandate button on Facility Maintenance screen Line Code Serial No LBL BLK GEVW FACILITY MANDATE LI Collateral Type Min Availabie 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 ids ORACLE Minimum Available Specify the minimum percentage of cash collateral to be collected while processing the utilization tra
115. g arrow button Issuer Details Issuer Code Issuer IDentification Number Issuer Details e Overall Limit Currency laz Overall Limit Issuer Limits W Limit Currency Limit Amount Input By Authorized By Modification Authorized ext Date Time Date Time Number Open 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 Issuer 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 uu ORACLE 2 11 Issue
116. g this screen Only Accept or Reject for authorization of the breached transaction is allowed SL 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 d ORACLE Liability Number Specifies the Liability Number of the utilization transaction Liability Number entered should 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 Amount Indicates the Utilization Amount Utilization Branch Indicates the transaction branch Utilization Product
117. he 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 Adhoc Revaluation Web Page Dialog Security Code ABCDSECURITY Security Price NSE Process 9 8 ORACLE 9 3 2 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 1 January 2008 owned by a XYZ customer having the liability Symphony Group Liability Code Line Code Liability Limit Symphony Group Loans 1 million Collateral Collateral Collateral Pool Collateral Pool Amount Code Value Contribution code Pool amount M
118. he given Liability number with line code as pool code This automatically created line code be used to maintain limits for customer account in Account Limits screen if required Tangible Type Select the collateral type from the options given The options available are as follows e Tangible e Intangible iic ORACLE e Both By default the system displays the tangible type as Tangible For the pool the system will allow you to select only the type of category collaterals selected here For more details on maintaining Account Limits refer Core Entities User Manual 2 13 1 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 Acredit 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 Identifier Specify the collateral code here Collateral Currency The currency in which the collateral has been maintained will be displayed when a collater
119. he interest rate value maintained at the collateral pool level 2 14 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 button Facilities Maintenance Liability Id Amounts Limit Amount Line Code Serial Number Collateral Amount Facility Branch Transfer Amount Description Effective Line Amount Effective Line Amount Basis Main Line Code Limit Amount Collateral Contribution Uncollected Amount Line Currency Category Block Amount User Defined Status Approved Limit Amount Status Changed Date Max Daily Limit Internal Remarks Day Light Limit Utilization C Revolving Line Available Amount Netting Required Date Of First OD Unadvised Date Of Last OD Funded Amount Utilized Today C Shadow Limit C Bulk Payment Required O Universal Line Utilization Amount Tanked Utilization Netting Contribution Exception Availability s Exception Transaction Amount Available Line Start Date 2011 12 01 Expiry Date Interest Fee Required Last Available Date C Interest Fee Re
120. ich the amount block should be applied for the exposure The system defaults the current branch date You can however change it Expiry Date This is the date till which the amount block for the exposure is enforced Auto Block The system automatically checks this option on the date the block on the exposure comes into force i e the Effective Date 2 18 1 Additional Information 2 19 As part of additional information for the exposure you can capture the following details e Customer Number e Liability Number e Remarks e Facility Code The system displays the Serial Number Exception Queue Maintenance You can maintain exception queue records with their respective transaction authorizer details 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 aer ORACLE Exception Queue Maintenance CC Queue Name Description Queue Detail Roll Name Description Input By Authorized By Modification Authorized exi Date Time Date Time Number Open Queue Name Specify the Queue Name Description Give a brief description of the queue here Queue Details Here you can specify multiple user roles for a Queue name For each record you must specify the following e Role Name User ro
121. ility the following message is displayed Record Created Successfully ORACLE 4 3 4 3 1 You may check for the created facility in the Facilities Maintenance summary screen Facility Renewal The Facility Renewal process begins with the receipt of an application seeking renewal of existing credit facilities with or without enhancement from the bank On receipt of the application for credit facilities the bank will carry out activities such as basic verification of documents KYC review limits review for renewal credit worthiness checks collateral evaluation etc Once credit worthiness checks are passed and collateral evaluation is done the bank will arrive at a decision on renewal of limits with or without enhancement or reduction of existing limits and will communicate the same to the client borrower Once the borrower s agreement is obtained for the sanctioned terms the bank will modify the existing limit details in the relevant application The procedure involved in the Renewal of Credit Facilities for a customer are illustrated below Stage 1 Upload of Documents Initiation Stage The first stage of the process flow is the process initiation stage Use the Upload The Documents screen to initiate the process To invoke the Upload the Documents screen first select Process Flows from the browser Under that click Credit Facility Renewal button and then click Stage 1 E Upload The
122. imit Secondary PSTL Risk Limit Unadvised C Netting Required User Reference Number Score creat Rng Input By Authorized By Modification Authorized Date Time Date Time Number Open 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 maintained 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 This cannot be changed post authorization Utilization Amount This field displays the utilized amount for that liability Id at any point in time You cannot edit this display dd ORACLE 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 revisio
123. in Oracle FLEXCUBE ELCM system and should have the rights to perform the action e Utilization Branch Branch code should be valid branch code e Customer number should be a valid customer number e Currency Code should be a valid currency code e Liability Number should be a valid e Facility code and Facility serial number should be valid 7 2 1 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 7 2 1 3 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 7 5 ORACLE 7 2 2 Facility Name PERLOAN Facility
124. in the branch If so it updates the limit amount for the facility for which the schedule is due with the schedule limit amount 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 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 i ORACLE While processing if there are any errors or overrides it should be logged The following are the possible errors e Available amount is neg
125. intenance screen by typing GEDMPOOL in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button in ORACLE Collateral Pools Maintenance Liability Number Parent Branch Pool Code Mortgage Initiated Pool Description Auto Facility Create Pool Currency Pool Amt Pool Utilized Available Amount Tangible Type Tangible Intangible Both Collateral Pool Linkages OSE E Collateral Code Description Collateral Currency Limit Contribution Linked Percent Number Linked Amount Linked Amount Pool Currency Order Availa Input B DOCUMENT2 Authorized By Modification Authorized Date Time Date Time Number Open 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 collateral pool can be linked to a Liability while creating credit limits Pool Code Description Specify a brief description of the collateral pool here Pool Currency Specify the currency in which the Collateral Pool has to be maintained 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 Facility Create Check this box to indicate that a facility should be created automatically for t
126. ion 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 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 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 9 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 ene ORACLE P Source Kest
127. ire button to move the task into the Assigned queue Stage 6 Check for Changes Double click on the task in the assigned queue The Check for Changes in KYC screen will be displayed 2 Check for changes in Web Page Dialog Customer No Customer Type Bark Short Name O Corporate Short Name Branch Code Full Nene ss BANGALORE Group Code F BANGALORE Country z BANGALORES Nationalty BANGALORE Language Exposure Frozen Location Code C deceased Unique identifier Name unedvised Unique identifier Value Customer Customer Category z C issuer Customer Credit Rating C Treasury Customer Revision Date Source User Reference Number NOCHANGE 4 14 ORACLE The Know Your Customer details are displayed You can make changes if any in the details displayed If there is no change select NOCHANGE On saving the record the record goes to the Pending Queue with Renewal of Credit Facility work title Click Acquire button to move the task into the Assigned queue 4 3 7 Stage 7 Renewal of Limits Double click on the task in the assigned queue The Sanction Decision for Renewal of Limits screen will be displayed Sanction Decision for Renewal of Limits Web Page Dialog Liability ki LIABOO1 Line Code LINEVIM Serial No Line Currency USD User Defined Status Main Line Code Currency Restriction
128. ities 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 erat ORACLE 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 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 adjoining arrow button Collaterals Maintenance Collateral Details Liability Number Branch 000 Collateral Code Lendable Margin Collateral Description Charge Type Mortgage v Collateral Cu
129. ity Merger Maintenance GEDMLIAB Liability Maintenance GEDMPOOL Collateral Pools Maintenance GEDMRGTR Liability Merger Process GEDPARAM Global Exposure Parameter Detail GEDQUEMN Exception Queue Maintenance GEDSECTY Securities ORACLE Function ID Function Description GEDTAUTH Transaction Authorize Maintenance GEDTRANS Facilities Amount Transfer Maintenance GEDTREXP Track Exposure Maintenance GEDUDFNS User Define Status Maintenance GEDUTILS Limit utilisation GEDUTNID Utilization Increase And Decrease GESQCCNV Collateral Covenants Query GESQFCNV Facility Covenants Query GESQHLIA Liability History Query GESQLIAB Liability Query GESQSLIA Utilization Transactions Query GESQYFAC Facilities Summary ORACLE ORACLE Enterprise Limits and Collateral Management January 2012 Version 11 3 1 0 0LA Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_services Copyright 2012 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written p
130. ked to liability maintenance for assessing the liability score Credit Score Maintenance is a bank level maintenance and will be accessible in all Branches You can invoke the 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 Credit Score Maintenance Credit Score Name Credit Score Description Input By Authorized By Modification Authorized Date Time Date Time Number Open Enter the following details Score Name Specify a unique credit score name here Score Description Give a brief description of the score 2 1 ORACLE 2 3 Maintaining Agency Details for Credit Rating You can maintain details regarding credit rating agencies in the Credit Rating 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 for specifying customer rating published by an agency You can invoke the Credit Rating Maintenance screen by typing GEDCREDT the field at the top right corner of the Application tool bar and clicking the adjoining arrow button Credit Rating Maintenance Agency Name Agency Description Credit Rating Details Credit Rating Credit Rating Description Input By Authorized By Modification Date Time Date Time Number Enter the following d
131. l should be earlier than the expiry date of the respective contract netting maintenance e 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 Ser ORACLE You are allowed to link contracts associated to LC BC and MM modules as part collateral maintenance in ELCM The maximum amount which is contributed to the collateral is the contract amount 2 12 7 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 Commitment Branch Commitment Product Settlement Account Settlement Branch Commitment Reference UDE Values 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 If the commitment contract i
132. le allowed for authorization e Role Description 2 20 Transaction Authorize Maintenance As a part of BEPL process for Credit Exception management the Transaction authorizer details and breached authorizer details can be entered in the Transaction Authorize Maintenance Screen You can invoke the Transaction Authorize Maintenance screen by typing GEDTAUTH in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button dis ORACLE Transaction Authorize Maintenance Branch Description Category Transaction Details Li Queue Name Amount Breached Details From Amount To Amount Input By Authorized By Modification Authorized ext Date Time Date Time Number Open 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 Default Authorizer details will be used for processing Credit Exception management Branch Code Specify the branch for which the maintenance is being done Category Specify the category of the branch here 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
133. lease rapa pn Mon Sep 29 09 14 45 Rel CHO Multi amp uthorization270001 AuthorizationHumanTask LIMCUSTO2 18000 USD CFCF GMT 05 30 2008 elease Fri Sep 26 10 33 48 CHO CreateLimitsForCorpCust250014 UploadTheDocuments 05 30 2008 Release 4 19 ORACLE 4 4 3 After Launching the Screen Dual Authorization Process Web Page Dialog Utilisation Details SINo Util ld SMSLUTILO03090003 Customer No LIMCUSTO2 Transaction Date 11 4 2000 Utilization Amount Utilisation Currency USD Liability No LIMLIABO2 Line Code TXNAUTH Serial No Facility Currency USD Facility Utilisation Utilisation Branch Utilisation Product Value Date 11 4 2000 Source Utilisation Status Liability Currency Liability Utilisation Exception Queue EXPQUEO1 Error Code TX Error Parameters Remarks APPROVE v After authorization it will give the message Authorized Successfully 4 20 ORACLE 5 1 5 2 5 Queries Introduction The Queries module under the Menu Browser provides query functions for the following e Liabilities e Liability Exposure Liability History Liabilities Query The Liability Query screen allows you to query for records based on the following parameters e Liability Identification e Overall limit issued to the liability ID e Credit rating e Revision date e Utilization amount Branch to which the liability belongs to e Customer name of the liability ID Y
134. liability number to which the Reference number is linked Customer Number Specify the customer number to which the Reference number belongs to Line Code Specify the line code for the account contract 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 ii ORACLE Booking Date Specify the booking date when the account contract was created Value Date Specify the date from when this account contract is valid for netting Expiry date Specify the date till when this account contract is valid for netting Netting Required Select this check box to indicate that all facility amounts linked to the liability should be consolidated You can set the available amount under a Facility to include the Netting Amount too For more details on this feature refer the section Including Netting Amount in Facility s Available Amount in this document dii ORACLE 2 17 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 Block Number Branch Liability Code Customer Number
135. linkage Fixed Deposit 50 000 50 000 Pool1 100 50 000 Pool Code Pool Line Line Pool Pool Line Currency Code Currency Line contribution available linkage amount to line amount 96 Pool1 USD Loans USD 100 50 000 1 05million Pool contribution to the line 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 Liability Code Line Code Liability Limit Collateral Code Collateral Collateral Pool Collateral Pool Value Contribution amount code amount Pool 96 linkage Fixed Deposit 55 000 55 000 Pool1 10096 55 000 Symphony Group Loans 1million Pool contribution to the line 9 9 ORACLE Pool Code Pool Currency Line Line Pool Pool Line available Code Currency Line contribution amount credit linkage amount to limit Pool line contribution Pool1 USD Loans USD 10096 55 000 1 055million 9 10 ORACLE 10 Annexure 4 Gateway Processes amp Interfaces 10 1 Introduction The Oracle FLEXCUBE Enterprise Limits and Collateral Management hereafter referred to a
136. lity Credit Rating eese eee enne enne nennen teens 2 8 2 77 COVENANT MAINTENANGCB r FEE RHENO DEDERE Tet rere ERE ree 2 9 2 0 COLLATERAL TYPES MAINTENANCE PREIS ERE FU LONE FRI rne rhe 2 10 2 9 COLLATERAL CATEGORY MAINTENANCE eeeeeeneee trennen TROER EISE EROP ESEE nnne enn 2 11 2 9 1 Maintaining Covenant Details for Collateral Category esee eene 2 13 2 10 ISSUER MAINTENANCE Fe t epe EEEE ENS rE SS 2 13 211 SECURITIES MAINTENANCE 8 oii tetitvo stet p e tp Rt DI e PERPE ERE Eee RR 2 15 2 12 COLLATERALS MAINTENANCE 5 noinen t n tutto ie rr e iere repere ipte ente 2 18 2 12 1 Specifying Details for Market Value Based 2 22 2 12 2 Specifying Details for Guarantee Based Type sss nennen nennen enne 2 22 2 12 3 Specifying the Insurance Details eese eterne nennen trennen rennen tenente 2 23 2 12 4 Specifying Covenant Details eese eee ene i Eae trente entren eren 2 25 2 12 5 Specifying Shared Details menesiai eris esee eene ennt entente ener enne enne nnne 2 26 2 12 6 Linking Contracts as Collaterals eese nennen meet een 2 26 2 12 7 Maintaining Values esses eee enne enne tnnt tenete entren trennen eene enne Era enne 2 28 2 12 8 Maintaining Source Restrictions eese eee eene nennen trennen rennen enne enne 2 28
137. ls of the Collateral Pool On saving the task goes to the Pending queue with the work title Modify the Limits Click Acquire button to send the task to the Assigned Queue 4 3 13 Stage 13 Modify the Limits Double click on the task in the Assigned Queue to view the Modify the Limits screen 2 Modify The Limits Web Page Dialog Liability id LIMLIABOS Line Code LINEV7 Serisi No Ure Currency U User Defined Status Main Line Code Currency Restriction Revolving Line Netting Required Funded Line Start Dite 7 4 2000 Expiry Date Last Available Date Avaimert Date Conversion Date Lima Amount Amount Transter Amount Effective Line Amount Uncolatersized Funds Line Reporting Amount Block Amount Category Utilization Avotoble Amount Oste Of Frst OO Date Of Last 00 Utlzeatbon Amount Tarked Utization Netting Utiz ation Exception Exception Txn Amount ternal Remarks Exception Breach Percertage Tenor Restrictions Limit Restrictions Schedules Value Dates Charges Covenants PoolLinks Exposures Ext System Restrictions Fields Enter the details for modifying the Limits Facility After successfully modifying the limits facility the following message is displayed Record Modified Successfully You may check for the modified facility in the Facilities Maintenance summary screen ORACLE 4 4 Credit Exception Management Credit exception management handle
138. n 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 7 2 4 Input Utilization 7 1 ORACLE New Utilization process increases the Utilization Amount and decreases the Available Amount for the associated Liability Facility or Exposure If the Liability Facility Sector 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 product processor name from where the transaction has been originated This field will be
139. n Date Details which are displayed here on choosing a covenant name ix ORACLE Conversion Date Conversion Date is the date when facility has been migrated from other system to Oracle FLEXCUBE ELCM 2 14 5 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 products and currencies You can define these restrictions in the Limits Restrictions screen To invoke this screen click Limit Restrictions button from the Limits Maintenance Detailed screen 2 ORACLE Limit Restrictions Restriction Type Allowed Restriction Type Allowed Disallowed Disallowed Customer Restrictions Currency Restrictions 1 18 Customer Number Short Name Currency Code Currency Name D la Restriction Allowed Restriction Allowed Disallowed Disallowed Branch Restrictions Product Restrictions WB Branch Code Branch Name Product Code Product Desq DL jas Restriction Allowed Disallowed Exposure Restrictions LI Exposure Name Exposure Description D l _ SE ORACLE 2 14 5 1 Maintaining Customer Restrictions for a Line To recall you can assign a limit to a Line Liabilit
140. n 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 Branch Code From Liability Code To Liability Code Effective Date Remarks Customer Link Merger Log Collateral Merger Log Collateral Pool Merger Log Netting Merger Log Facility Merger Log Transfer Merger Log EarMarking Merger Log Utilization Merger Log Input By Authorized By Modification Authorized ex Date Time Date Time Number 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 To Liability Code Specify using the adjoining list of options the code of the liability into which the liability specified under From Liability Code must be merged into Branch Code Specifies the branch code of the liabilities Effective Date Specify the date from which the merger of liabilities must take effect 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 ix ORACLE
141. n 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 Line Currency Specify the currency in which the facility is defined The currency that has been selected will have the 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 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 Sha
142. n date must be greater than the start date and can also be left blank Credit Rating The primary credit rating selected in the credit rating sub screen is displayed here 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 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 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 all facility amounts linked to the liability should be consolidated You can set the available amount under a Facility to include the Netting Amount too For more details on this feature refer the section Including Netting Amount in Facility s Available Amount in this document d ORACLE 2 6 1 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
143. n the dates specified for each limit in the schedule The charges 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 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 The effective line amount basis will be validated for the following criteria e Effective line amount basis will be defaulted from the template e Effective line amount basis will be made as a mandatory field e Effective line amount basis will be allowed to change only before first authorization of line The Effective Limit Amount can be modified only before the first authorization of the Line Internal Remarks Specify the internal remarks as limits terms and conditions Availment Expiry Date Specify the expiry date on which first utilization should happen 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 The freezing of the line code will be part of the Oracle FLEXCUBE ELCM EOD Batch The O
144. nctons Restriction Type Allowed Disallowed Ext System Restrictions 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 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 di ORACLE 2 14 10 Capturing UDE Details To capture the UDE details click UDE Details button User Data Element Details Commitment Branch PPC Ref No Commitment Product z PPC Project Id Commitment Settlement Commitment Ref No Account Commitment Settlement Branch UDE Values UDE Value Rate Code Code Usage 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 Commitment Settlement Account Specify the settlement account details of the commitment UDE ID Speci
145. nd Time e Priority e Error Code e Remark e Retry Count Select the record and click on the Replication button to manually replicate the data Possible values of the status as follows e U Unprocessed e P Replication Success e E Replication Failed e W WIP 3 8 ORACLE 3 3 3 Viewing Successfully Replicated Records 3 4 You can query successfully replicated records in the Replication Log Summery screen You can invoke the this screen by typing COSRELOG 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 pagel 15 4 414 of 4 Goto Page Source Code Function iD Branch Primary Key Modification Number Status 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 Sour
146. ne Codel Serial No Utilization Amount Utilization Currency Branch Cc lt Authorization Status A Authorized U Unauthorized Record Status Close O Open ORACLE 5 5 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 ay ORACLE 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 Summary Covenant Name Liability No Serial No Description Line Code Mandatory Revision Date Grace Days Notice Days Due Date Covenant Reference Number E m Frequency Start Date 3638 Search Advanced Search Reset Records perpage 15 a4 4 1 0f 1 Dbi cot page Liability Code Serial Mandatory Notice Days Frequency Due Date 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 ae ORACLE You can
147. ne in the Limits Template these restrictions will be defaulted here You can modify the branch restrictions defaulted from the Limits Template 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 2 14 5 3 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 From the option list available choose the currencies to which you would like to restrict application The list of currency codes you choose in this field will be described in the adjacent column If you have already specified currency restrictions for the line in the Limits Template these restrictions will default here You can modify these default restrictions to suit your requirement 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 2 14 5 4 Maintaining Exposure Restrictions for a Line Yo
148. nk 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 es ORACLE 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 Liability Code pd m Customer A Customer B Customer C Single Liability Linked To Only One Customer 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 ORACLE ID Detail Liability Number Liability Name Main Liability Number Branch Liability Currency Overall Limit Utilization Amount Revision Date Credit Rating Overall Score User Defined Status Liability Category Liability Clean Risk Limit Secondary Clean Risk L
149. nsaction against the line code specified The system verifies whether the mandate percentage of the line utilization amount is 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 2 14 12 Including Netting Amount in Facility s Available Amount 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 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 added with the new netting amount in facility currency Account Netting When you authorise an account netting transaction with contract type AC and netting enabled then the netting amount will be included in the facility in facility currency Here both the Available Amount and 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 Re
150. ntaining 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 F1 on the keyboard 1 2 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 officers Authorization functions Product Managers Product definition and authorization End of day operators Processing during end of day beginning of day 1 3 Organization This manual is organized into the following chapters Chapter 1 About This Manual Chapter 2 Limits amp Collaterals Chapter 3 End Of Day Batch Processes Chapter 4 Process Flows Chapter 5 Queries Chapter 6 Utilizations Transactions Chapter 7 Value Dated Facility Chapter 8 Revaluation Chapter 9 Gateway Processes amp Interfaces ORACLE 1 4 Acronyms and Abbreviations You may find the following acronyms abbreviations in this manual Ul User Interface ELCM Enterprise Limits and Collateral Management FCUBS Oracle FLEXCUBE Universal Banking Solution GW Gateway HTTP Hyper Text Transfer Protocol XML eXtensible Mark up Language XSD XML Schema Definition XSLT eXtensible Stylesheet Language Transformations BPEL Business Process Execution Language SMS Sec
151. ollateral maintenance for a collateral pool the list of collaterals 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 Specify the bank s lendable margin assigned for the Collateral This value will be 100 Haircut 96 Collateral Value The collateral value depends on whether the security is Market Value based or Non Market Value based If itis 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 Nominal Amount Code Price 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 iex ORACLE Input in case of a unit quoted security Number of Price Market Collateral Value Number of Units x Market Units Code Price 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 Specify the final amount contribution that will be applicable for a Limit Example Collateral is valued at 1000
152. ool Code Pool Currency Line Line Pool Pool Line Code Currency Line contribution available linkage amount to line amount Pool1 USD Loans USD 100 60 000 1 06 million 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 Code Collateral Cap POOL Collateral Pool Contribution amount Amount code amount Pool linkage ABB 45 000 60 000 Pool1 10096 45 000 Pool contribution to the line 9 7 ORACLE Pool Code Pool Currency Line Line Pool Pool Line Code Currency Line contribution available linkage amount to line amount Pool USD Loans USD 100 45 000 1 045 million 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 Collateral during Offline batch has been selected then t
153. oses 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 event the system creates utilization request in ELCM format It also logs transaction data and status of each utilization transaction 7 12 1 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 7 12 2 Utilization Transaction Status The following are the possible transaction status for utilization upload e Success e Failure e Override e Dual Auth 7 25 ORACLE 7 12 2 1 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
154. osure Block Maintenance Block No Branch Exposure Name JE Exposure Description Block Currency Taz Block Amount Effective Date E Expiry Date Auto Block Additional Inforamtions Customer Number i Liability Number Remarks Line Code Line Serial Input By Authorized By Modification Date Time Date Time Number Block Number Authorized Open F7 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 The current branch is displayed here You can change it to a branch that you require 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 Description The system defaults the exposure description here 2 66 ORACLE 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 It is also updated as the Exposure Block Amount the Track Exposure Maintenance screen Effective Date This is the date from wh
155. ot authorized online then Oracle FLEXCUBE ELOM provides the facility to authorize the inputted transaction Apart from the Gate Way header information Authorization process will require following the information SI No Field Name Data Type size Remarks Mandatory 1 Utilization Reference AlphaNumeric 16 Specifies Oracle FLEXCUBE No Number ELCM utilization reference number 2 External Reference AlphaNumeric 50 If the product processor does Yes Number not have Oracle FLEXCUBE ELCM utilization reference number then it should pass the product processor reference number 3 AmountTag AlphaNumeric 20 Amount tag would be No required when there are multiple utilization for the same reference number 7 6 ORACLE SI No Field Name Data Type size Remarks Mandatory This tag would indicate which component needs to be authorized 7 2 3 Delete Utilization A New Utilization Transaction can be inputted as Authorized Online or Unauthorized If transaction is not authorized online then Oracle FLEXCUBE ELOM provides the facility to delete the inputted transaction Apart from the Gate Way header information delete process would require the following information SI No Field Name Data Type size Remarks Mandatory 1 Utilization AlphaNumeric 16 Specifies Oracle FLEXCUBE No Reference Number ELCM utilization reference number 2 External Referenc
156. ou 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 Authorization Status Record Status Liability No Liability Currency Branch Search Advanced Search Reset Records per page 15 7144 1 Of 1 Authorization Status Record Status Overall Limit Credit Rating Revision Date Utilization Amount Unadvised Liability Noj Liability Currency Authorization Status A Authorized U Unauthorized Record Status C Closed O Open a ORACLE 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 Faciity List r Line Code COCACOLA JPACCOUNT 7 COCALINE1 COCACOLA MAINLINE COCACOLA NONFUND COCACOLA_OVERDRAFT COCACOLA SHORTTERM m COCACOLA LC COCACOLA GUARANTEES E COCACOLA FUNDED COCACOLA USD L1 OCACOLA UKACCOUNT COCACOLA USLOAN r COCACOLA LONGTERM COCACOLA USACCOUNT Serial No Line Currency 1 JPY 1050 1USD 1USD 1USD 1USD 1USD 1USD 1 USD 1 USD 1 GBP 1USD 1 USD 1 USD Liability ID B pe s en Utili
157. ould pass the product processor reference number Yes AmountTag AlphaNumeric 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 Modified Utilization Amount Numeric Indicates the Increase Decrease Utilization Amount Yes Utilization Currency AlphaNumeric 3 Indicated the currency of the utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system No 21 Transaction Initiated 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 transaction should be authorized online or not Possible values are A Authorize online and U upload transaction as unauthorized Default value is U No 7 15 ORACLE 7 6 1 1 Validations for Modify Utilization process 7 7 SI No Field Name Data Type size Remarks Mandatory 24 Force Authorization Alphabet 1 Indicates whether No transaction should ignore the overrides occurred in the process or not Possible values Y force authorize and N not fore authorized Default value is N 25 Simulate
158. ount 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 GEDACONT the field at the top right corner of the Application tool bar and clicking the adjoining arrow button iun ORACLE Account Contract Balance For Netting Reference Number Customer Number Currency Amount Value Date Booking Date Expiry Date Liability Number Line Code Serial Number C Netting Required Contract Type Input By Authorized By Modification Authorized exit Date Time Date Time Number Open 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 Liability Number Specify the
159. owing ic ORACLE 2 12 1 2 12 2 e Tangible e Intangible Specifying Details for Market Value Based Type For a market value based security you must maintain the following security related details Security Code Specify the security code for which the collateral is linked On specifying the security code 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 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 exceed this amount even though its actual computed value is
160. parison 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 status in Oracle FLEXCUBE ELCM Processor Oracle FLEXCUBE ELCM Action FLEXCUBE Not Saved Saved Reversal Saved Not saved Upload The above mentioned Oracle FLEXCUBE ELCM action is performed only if the 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 7 11 Increasing Decreasing Utilizations 7 22 ORACLE 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 Utilization increase And Decrease
161. phaNumeric 3 Indicated the currency of the utilization transaction Currency code entered should be valid currency code in Oracle FLEXCUBE ELCM system No 21 Transaction Initiated 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 transaction should be authorized online or not Possible values are A Authorize online and U upload transaction as unauthorized Default value is U No 7 13 ORACLE 7 5 1 1 Validations for Modify Utilization process 7 6 SI No Field Name Data Type size Remarks Mandatory 24 Force Alphabet 1 Authorization Indicates whether transaction should ignore the overrides occurred in the process or not Possible values Y force authorize and N not fore authorized Default value is N No 25 Simulate Alphabet 1 Indicates if the transaction should be used only for simulation Possible Values Y simulate and N actual transaction Default value is N No 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
162. port 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 6 2 ORACLE Grace days This is the grace days of the Covenant Notice days This is the notice days of the Covenant Remarks This is the additional comments associated with the covenant 6 3 ORACLE 7 1 7 2 7 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 ELCM e New Utilization e Increase Utilization e Decrease Utilization e Alter Utilizatio
163. quired Ayailment Date Feel Calculation Account Exception Breach in Resticons Tenor Restnctons Source Restnctons scnedues Vato Dates Charges covenants eoru exposures uc deta satus oo Mandate Input ByDOCUMENT2 Authorized By Modification Authorized Number Date Time Date Time Open Liability ID Specify the Liability ID here Line Code Specify the Line Code to which the liability ID is to be associated with Allocating 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 dad ORACLE 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 bee
164. r Identification Number Specify the Issuer Identification Number if any here 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 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 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
165. racle FLEXCUBE ELCM system will not allow the expiry date of a facility 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 dud ORACLE Last Availability Date Specify the date until the line can be utilized by the customer 2 14 1 Maintaining Value Dates Details To maintain details regarding value dates click Value Date button Value Date Details Value Date Details Wi imit Amount Value Date Main Line Code Value dated limits for a particular facility are automatically populated in the above screen when you save the Facility The following 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 2 14 2 Tracing Exposure Restrictions for a Line The facility defined can be restricted for particular Tracing exposures Sector Code maintained as part of sector type maintenance has to be selected and associated for the facility to specify sector code restrictions The selected sector code and line code will not be allowed to be a part of sector maintenance and sector exposure calculation id ORACLE 2 14 3 Capturing Facilit
166. re Query Exposure Name Exposure Amount DEC nc Exposure Currency Exposure Type Q Search Advanced Search Reset DENT Name Type Tracking Type Utilization Exposure Effective Date Exposure You can query on records based on all or any of the following criteria Exposure Name Exposure Amount Exposure Currency Exposure Type Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each exposure Id Exposure Name Exposure Currency Exposure Amount Exposure Type Tracking type Utilization Exposure Effective Date Exposure Expiry Date Exposure Freeze Type Exposure Rating Auth Status Mod Number 2 61 ORACLE 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 Search AdvancedSearch 4 414 1010 Utilisation Id Liability Id Facility Id Booking Date LBL_UTIL_AMT Utilisation Currency Utilisation Branch 2 16 Account Contract Balance Maintenance for Netting To pool balances across accounts contracts for netting acc
167. re 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 Exposure 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 limits for a particular facility can be specified using the Value Date Exposure details screen Click Value Date Exposure to invoke this screen 239 ORACLE Value Date Exposure VALUE DATE EXPOSURE LI Value Date Exposure Amount i 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 2 15 2 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 90 ORACLE Records per page Exposu
168. reach 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 278 ORACLE Example Assume that for liability TATA line TATABILL is created with below details e Limit amount 10 000 00 e Collateral amount 0 00 e Breach percentage 110 which is equal to 11 000 e amount 15 000 The system calculated values e Available amount 10 000 00 e 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 au
169. rrency User Reference Collateral Value Secured Type Secured Limit Contribution Unsecured Start Date Liquid End Date Available Revision Date Sharing Required Revaluation Date Pool Create Revaluate Collateral Haircut Grace Days Collateral Type ld Market Value Based Collateral Category Guarantee Based Utilization Amount Normal Available Amount Mortgage Initiated Tangible Type Interest Rate Market Value Based Guarantee Based Security Id Guarantor Number of Units Nominal Rating Value Revocable Cap Amount Revoke Date Price Code Last Revaluation Price Next Revaluation Date Issuer Details Issuer Name Issuer Reference Number Source insurance covenant shared Link Contract UDE Values Source Restrictions Fies Input ByDOCUMENT2 Authorized By Modification Authorized Date Time Date Time Number Open Cancel 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 Liability Number Collaterals issued have to b
170. s 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 10 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 10 2 1 Maintenance Transactions Below table specifies the maintenance transactions supported by Gateway Online Process Transaction Creation amp Delete Auth Close amp Reopen Query Notify Tech Modification undo 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 Collateral Pool Yes Yes Yes Yes Yes No No Issuers Yes Yes Yes Yes Yes No No Securities Yes Yes Yes Yes Yes No No Limits Transfer Yes Yes Yes Yes Yes No No 10 1 ORACLE Transaction Creation amp Delete Auth Close amp Reopen Query No
171. s created in FCUBS then the system will not allow modify the product code 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 2 12 8 Maintaining Source Restrictions 2 28 ORACLE 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 Restrictions Restriction Type Allowed Disallowed Source Restriction Details 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 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 2 13 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 You can invoke the Collateral Pools Ma
172. s for collateral types where the Mortgage Type is Mortgage or Non mortgage based on the status of the loan account and the number of days for which loan payment has been overdue For more details on provisioning details refer the chapter Account Creation in the Retail Lending user manual Note the following e You can indicate the Mortgage Type only if the collateral type category is Real e Based on the number of overdue days you can define the provision percentage and extent of coverage of collateral e Incase of status movement of loan the system passes the relevant accounting entries for provisioning 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 2e ORACLE 2 9 1 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 haircu
173. s 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 Collateral Type Maintenance Collateral Type Description Interest Rate Input By Authorized By Modification Authorized Date Time Date Time Number Open Collateral Type Specify the Collateral Type A maximum of 20 characters are allowed in this field ean ORACLE 2 9 Collateral Type 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 Collateral Category 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 Collateral Category M
174. s the transaction amount authorization and breached amount authorization All transaction utilization process is made to validate for these two amounts against the maintenance done for their respective facility in Facility Maintenance If the amount crosses the specified transaction amount in facility maintenance then the incoming transaction has to be authorized via BEPL workflow Utilization transactions received for facilities where netting is allowed at facility liability and account levels and where the funds under the concerned facility are insufficient are also handled by the credit exception process flow and need dual authorization The user id to whom the authorization will be assigned is based on the two conditions given below e Transaction amount exception If the transaction amount falls in any one of the range in Transaction authorization amount as per the maintenance in Transaction Authorize Screen then the following transaction goes into credit exception management and then taken up by BEPL workflow for pending authorization e Breached amount exception If the Breached amount falls in any one of the range in Breached authorization amount as per the maintenance in Transaction Authorize Screen then the following transaction goes into credit exception management and then taken up by BEPL workflow for pending authorization Breached Transaction If the transaction amount has crossed the limit line amount then the following trans
175. s used as collateral Since 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 ix ORACLE Securities Security Code Description Equity Base Start Date Currency Expiry Date Face Value Limit Price Increase Sensitivity Nominal Value Based Price Decrease Sensitivity Issuer Code Collateral Type Security Price 8 Input By Authorized By Modification Authorized Date Time Date Time Number Open Details of the marketable security that your bank accepts as collateral can specified in the above Screen Security Code Assign a unique code to identify the security This code is called the Security Code This code is used while maintaining Collateral for a market value based Security Description Describe in brief the security maintained Equity Base Here you can specify the equity base for the security i e the
176. 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 ORACLE Multi Authorisation Maintenance Utilisation Details Serial No Utilisation ID Customer Number Transaction Date Utilisation Branch Utilisation Product Value Date Source Utilisation Status Utilization Amount Deleted Status Utilization Currency Liability No Liability Currency Line Code Liability Utilisation Serial No Exception Queue Facility Currency Error Code Facility Utilisation ErrorParams Remarks Whenever Utilization Transactions has been breached then the utilization transaction would require multiple authorizations Transactions which are breached could be either authorized using BPEL process flow Credit Exception management or using UI multi Auth screen During implementation either the BPEL process needs to be used or the screen here needs to be used Both can t be used at the same time 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 usin
177. ser Defined Status Main Line Code O Currency Restriction Revolving Line Netting Required O Funded Line Start Date Expry Date Last Available Date Avaiment Date Conversion Date internal Remarks Tenor Restrictions Limit Restrictions Schedules Value Dates Lint Amourt Colisteral Amount Transfer Amount Effective Line Amount Uncolisterslized Funds Line Reporting Amourt Block Amourt 77777000 unadvised Eft Line Amount Bases Lima Amount Collateral Contribution v Category Avalie Amount Date O1 First CO Date O1 Last OO Ut amp zabon Amount Tanked Utikzabon Netting Utkzabon Exception Exception Txn Amourt Exception Breach Percertage Charges Covenants PoolLinks Exposures PROCEED v Specify the required Credit Details in the above screen On saving the task goes to the Pending queue with Verify Input work title From there on selecting the task and clicking Acquired the task will successfully acquired and sent to the Assigned queue 4 12 ORACLE 4 3 4 Stage 4 Verify Credit Details Double click on the task in the assigned queue The Verify Credit Details screen will be displayed Verify Credit Details Web Page Dialog Liability id LIABOOT Limit Amount Line Code LINEVIM Collateral Amount Serial No Transter Amount Line Currency USD Ettective Line Amount User Defined Status Uncolateralized Funds Line Main Line Code Reporting Amount
178. t as the primary haircut value for the Collateral Category 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 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 Collateral Covenant Category Covenants Covenant Name Description Revision Date 2 10 Issuer Maintenance A customer is granted 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 is ORACLE 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 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 adjoinin
179. terface 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 Interface Online Batch Outgoing Core Liability Link Interface Online Batch Outgoing Limits Facility Interface Batch Outgoing 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 10 5 ORACLE 11 1Function ID List 11 Screen Glossary The following table lists the function id and the function description of the screens covered as part of this User Manual Function ID Function Description GEDACONT Account Contract Balance For Netting SEBADREM Adhoc Revaluation GEDBLOCK EAR Marking Maintenance GEDCOLCA Collateral Category Maintenance GEDCOLLT Collaterals Maintenance GEDCOLTY Collateral Types Maintenance GEDCOVNT Covenant maintenance GEDCREDT Credit Rating Maintenance GEDCRSCR Score Maintenance GEDCULIK Customer to liability link Maintenance GEDDAUTH Multi Authorisation Maintenance GEDEXPBL Global Exposure Block Maintenance GEDFACLT Facilities Maintenance GEDISSUR Issuer Maintenance GEDMERGE Liabil
180. the adjoining arrow button Replication Mode Maintenance Source Code Replication type Synchronous Replication URL Replication Queue Remarks Input ByDOCO02 Authorized By Modification Authorized Cancel Date Time Date Time Number Open Camel Source Specify the ELCM source from the adjoining option list for which the data need to be replicated Source code of instance is SELCM Replication 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 ORACLE 3 3 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 serviet mechanism URL maintained in replication maintenance would be used to replicate data In JMS request queue will be used for replic
181. 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 transaction 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
182. thorized 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 not be viewed using Oracle FLEXCUBE function OVDAUDET If you delete the dual authorization contact in Oracle FLEXCUBE then the system deletes the contact details in Oracle FLEXCUBE and ELCM will delete the utilization 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 2 26 Merging Liabilities You can 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 id ORACLE 2 26 1 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 scree
183. tify Tech Modification undo Account Yes Yes Yes Yes Yes No No Service 10 2 2 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 10 2 3 Batch Process The Batch processes which can be triggered using Gateway Online Process e EOD Process e Input File Process e Output File Process 10 2 ORACLE 10 2 4 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 Example Assume that New utilization transaction has been uploaded from Loan system and at the same time there is another New utilization transaction treasury system Assume that country exposure for both the transaction is same and parameter for update country exposure online is set to Yes In this case first transaction would be processed and other transaction would be failed because of lock in the country exposure To handle this case Oracle
184. ting over a period of time 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 Se ORACLE 5 4 Summary Authorization Status Record Status Liability No Branch Search Advanced Search Reset Records per page 15 MJ 14 Of 1 EXIT Authorization Status Record Status id Liability Liability Name Branch Liability Currency Utilization Amount Revision Date Credit Ratir Se lul Authorization Status A Authorized U Unauthorized Record Status C Closed O Open Utilization Transaction Query The Utilization Transaction Query screen allows you to query for records based a customer number 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 Summary Liability No Branch Line Code Utilization Currency Branch Code Customer Number Search Advanced Search Reset MESES Records per page 15 MJ 414 Of 1 e Liability No Liability Branch Liability Currency Overall Limiti Li
185. 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 2 14 8 1 Maintaining Tenor Restrictions for a Main Line For a main line you can e Specify the list of tenor restrictions for which you would like to limit your exposure e Assign limits for the Tenor restrictions 2 14 8 2 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 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 em ORACLE 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 1million Main Line Code LOANS You define a credit limit of 1 mill
186. total amount raised by the issue of this security This entry is for information purposes only 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 ii ORACLE 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 rises above the old market price by the percentage you have defined as the Increase sensitivity for the security then the revaluation process happens Example Consider a case wherein you have specified the price increase sensitivity
187. u 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 exposure 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 dis ORACLE 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 2 14 5 5 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 P Limit Restrictions Disallowed Disallowed Customer Restrictions Currency Restrictions GEE HEE
188. ure Code 5 7 21 ORACLE 7 10 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 Oracle 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 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 com
189. urity Services ID Identification Number PK Primary Key RDBMS Relational Data Base Management System VD Value Date Mark EOTI Mark End of Transaction Input Mark TI Mark Transaction Input TD Term Deposits CIF Customer Information File 1 5 Glossary of Icons This User Manual may refer to all or some of the following icons Icons Function New e Copy ORACLE Icons Function EN Save Delete Unlock ea Print D Close f Re open p Reverse n Template S Roll over ti Hold E Authorize Liquidate Exit Sign off le Help Delete row Option List a Confirm is Enter Query t 2 0 Execute Query Refer the Procedures User Manual for further details about the icons 1 3 ORACLE 2 1 2 2 2 Limits amp 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 Score Maintenance screen These credit scores can later be lin
190. uth 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 7 12 2 5 Authorization of utilization transaction All utilization transactions 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 e Liability Code COCACOLA e Liability Currency USD e Overall Limit 100 000 000 e 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 COCALOAN01 is created in ELCM with below details e Liability Code COCACOLA e Facility Code COCALOANO1 e Facility currency USD e Limit Amount 0 e Amount Utilized Yes e Revolving Flag 1 000 000 7 27 ORACLE Loan CL module has been inputted for customer C00001 created in Oracle FLEXCUBE with below details e Customer No C00001 e Loan currency USD e Loan Amount 500 000 e Value Date 01 Mar 2008 e Maturity Date 01 Sept 2008 e Facility Code COCALOANO1 As part of loan processing Oracle FLEXCUBE sends new utilization transaction to ELCM for the loan As part of the utiliz
191. when utilization amount crosses the specified limit transaction amount it will trigger BEPL process for Credit Exception Management to authorize the credit utilization amount The limit transaction amount specified must be below the total effective line amount specified for that facility iod ORACLE 2 14 4 Specifying Covenant Details The covenant details can be captured for facility in the Covenant Details screen Click Covenants 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 Details a Covenant Name Frequency Period Start Date ol azl Yearly I 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 You can change the Revisio
192. y Maintenance Charges Details To capture facility maintenance charge details click Charges button Charge Details 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 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 Limits amount Unutilized Amount Charge 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 Utilized Amount Charge 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 Limit Transaction Amount Specify the limit transaction amount During utilization transaction when utilization amount crosses the specified limit transaction amount it will trigger BEPL process for Credit Exception Management to authorize the credit utilization amount The limit transaction amount specified must be below the total effective line amount specified for that facility Breached Transaction Amount Specify the Breached transaction amount During utilization transaction
193. y 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 restrict the limit available under this line liability combination to specific customers If you are maintaining restrictions for the first time the list of customers that are linked to a liability code is displayed under the Customers Allowed list indicating that they are allowed to use the line 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 2 14 5 2 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 When you invoke this screen for the first time and have not maintained branch restrictions for the line in the Limits template a list of all the branches of your bank is displayed under the Branches Allowed list indicating that all branches of your bank can use the line From this list of allowed branches you can restrict a certain branch s from using the line If you have already specified branch restrictions for the li
194. zation Details Limit Amount 672 25 000 000 672 1 000 000 00 672 50 000 000 00 50 000 000 00 25 000 000 00 000 000 00 000 000 00 60 000 000 00 672 1 000 000 00 672 15 000 000 00 672 10 000 000 00 672 25 000 000 00 672 30 000 000 00 6 672 1 000 000 000 6 6 Collateral Amount 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 69 700 00 3 362 250 00 0 00 0 00 Facility Query Webpage Dialog Utilisation Reporting B 220 000 25 000 0 00 1 000 00 0 00 1 000 000 0 00 50 000 00 4 602 200 00 50 000 00 0 00 25 000 00 0 00 25 000 00 0 00 25 000 00 4 602 200 00 60 000 00 0 00 0 00 15 000 00 0 00 10 000 00 0 00 25 000 00 4 010 000 00 30 000 00 In the Facility 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 5 2 ORACLE 5 3 ie Utilization Query Webpage Dialog 2 z Lt stomer No No Line Code erial No Booking o sl C00003 COCACOLA ACOLA 10 15 2008 zi gt Liability History The Liability History Query screen allows you to query for records based on the following parameters Liability Identification e Overall limit issued to the liability ID e Utilization amount e Credit ra

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