[December] [2010] - Oracle Documentation
Contents
1. Copyright 2010 Oracle Financial Services Software Limited All rights reserved No part of this work may be reproduced stored in a retrieval system adopted or transmitted in any form or by any means electronic mechanical photographic graphic optic recording or otherwise translated in any language or computer language without the prior written permission of Oracle Financial Services Software Limited Due care has been taken to make this document and accompanying software package as accurate as possible However Oracle Financial Services Software Limited makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document and the accompanying Software System Furthermore Oracle Financial Services Software Limited reserves the right to alter modify or otherwise change in any manner the content hereof without obligation of Oracle Financial Services Software 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 2 21 ORACLE2. e Record Status e PF Code e PF Description Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e PF Code e PF Description 2 6 ORACLE 2 6 Maintaining Customer Provision Details You can maintain customer quality category and provision rates for the customer in the Customer Provision Details screen To invoke this screen type CSDPRVCF in the field at the top right corner of the Application toolbar and click the adjoining button i 2 Customer Provision Details Web Page Dialog Customer Provision Details Customer ID Customer Mame Quality Category Description Provision Rate Maker Date Time Mod No Authorized Checker Date Time MI open In this screen specify the following details Customer ID Specify the customer identification number for whom the quality category and provision rates are to be maintained The adjoining option list displays the customer ids that are maintained in the system You can choose the appropriate one Customer Name The system displays the customer name Quality Category Specify the quality category which is to be linked with the customer The adjoining option list displays all the quality categories that are maintained in the system You can choose the appropriate one Description The system displays the quality cat
3. PROVISION GROUP DETAILS ees see see sees see erre rice riesci eric eric eci e rice rie ee nice ee ee ee ee ee ee 2 8 2 9 VIEWING PROVISIONING GROUP DETAILS ees ees ees see see sees see rice ricarica rie recare e ee nice ee rece ee ee nice ee ee 2 9 2 10 DEEINING PROVISION PRODUCTS esse ses iran oer ee ese en ee ee ee Ge na 2 10 2 10 1 Specifying Accounting Entries laici 2 12 2 11 VIEWING PROVISION PRODUCT DEFINITION vc see se ee se ee ee ee rie ee rice ee ee ee ee rien eee 2 13 2 12 MAPPING PROVISION PRODUCT DETAI S ss ee ees ee see Ge iaia 2 14 2 13 VIEWING PROVISION PRODUCT MAPPING ccccceccscccscccsccncceuccesceucceuccescesccesscuseeccesseescenccesseuseesceesseuscs 2 15 214 MAINTAININGPROVISIONDETATS lc 2 16 dd Specie Te Amoun eldis areen ERE NAE EAEE EENEN 2 18 2 15 WIBWING PROVISION DETA S so ses se ee EE EEO E E O E EE De 2 18 216 PROCESSING PROVISIONING osse Ee een ee Se es EE EEA E 2 20 ORACLE 1 1 1 2 1 3 1 4 1 About this Manual Introduction This manual is essentially designed to help you get acquainted with the provisioning feature in Oracle FLEXCUBE It deals with the maintenances that are required for processing provisioning in Oracle FLEXCUBE You can obtain information specific to a particular field by placing the cursor on the relevant field and striking lt F1 gt on the keyboard Audience This manual is intended for the following User User Roles Back offi
4. Product Type Start Date Authorization Status Record Status You can query on records based on any one or all of the following criteria e Authorization Status e Record Status e Product Code e Product Group e Product Type e Start Date Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Product Code e Product Group e Product Type e Start Date Da ORACLE 2 12Mapping Provision Product Details You can map the provision code and its type to the product in the Provision Product Mapping screen To invoke this screen type CSDPRVPG in the field at the top right corner of the Application toolbar and click the adjoining arrow button Provision Product Mapping Web Page Dialog Provision Product Mapping Provision Code Type Account Class Provision Code Provision Rate Quality Category Product Code Maker Date Time py Checker Date Time N open You need to maintain the following details Provision Code Type Select the type of the provision code from the adjoining drop down list The list displays the following values e Account Class e Loans e Limits e Special Item e Portfolio Code Provision Code Specify the provision code The adjoining option contains all the provision codes that are defined for the provision code
5. specified tenor from the drop down list The following options are available for selection e Days e Months e Years To Overdue Specify the overdue day to when the specific quality category and rate are applicable for provision calculation Unit Select the unit for the specified tenor from the drop down list The following options are available for selection e Days e Months e Years Quality Category Specify the quality category The adjoining option list displays all the quality categories that are maintained in the system You can choose the appropriate one Rate Specify the provision rate which is used for the provision calculation for the specific basket id Block Upward Movement Check this box to indicate that the movement of basket is blocked even if the overdue day falls into an upper tenor On clicking of Restriction button in the Provision Portfolio Preference screen the Restriction screen will be displayed Using this screen you can map the product and account class for the specified portfolio 2 4 ORACLE Restriction Web Page Dialog Allowed Product F Product Code Product Description Allowed Account Class CI Account Class Account Class Description In this screen specify the following details Allowed Product Specify the following details Product Code Specify the product code which is to be mapped with portfolio The adjoining option list displays all
6. the product codes that are maintained in the system You can choose the appropriate one Product Description The system displays the description for the product based on the product code selected Allowed Account Class Specify the following details Account Class Specify the account class which is to be mapped with portfolio The adjoining option list displays all the account classes that are maintained in the system You can choose the appropriate one Account Class Description The system displays the description for the account class based on the account class selected While mapping the portfolio you can maintain either the product or account class for portfolio and not the both At the same time you cannot map the product or account class that has been already mapped with portfolio 2 5 ORACLE 2 5 Viewing Provision Portfolio Preference You can view the portfolio preference for in Provision Portfolio Preferences Summary screen To invoke this screen type CSSPRVPPF in the field at the top right corner of the Application tool bar and click the adjoining arrow button i A Provision Portfolio Preferences Summary Web Page Dialog Authorization Status Record Status PF Code PF Description 4 Search Advanced Search Records per page Lock 1 of 1 Authorization Status Record Status PF Code PF Description You can query on records based on any one or all of the following criteria e Authorization Status
7. type you have selected You can choose the appropriate one Provision Rate Specify the provision rate for the provision type selected Quality Category Specify the quality category for the provision type selected The adjoining option list displays all the quality category codes that are maintained in the system You can choose the appropriate one 2 14 ORACLE Product Code Specify the product code for which the mapping is to be done The adjoining option list displays all the product codes that are maintained in the system You can choose the appropriate one 2 13Viewing Provision Product Mapping You can view the provision product mapping details in Provisions Product Mapping Summary screen To invoke this screen type CSSPRVPG in the field at the top right corner of the Application tool bar and click the adjoining arrow button Provision Product Mapping Summary Web Page Dialog Authorization Status Record Status Provision Code Type Provision Code Product Code 4 Search Advanced Search Records per pade Lock 1 of 1 Authorization Status Record Status Provision Code Type Provision Code Provision Rate Quality Category Product Code You can query on records based on any one or all of the following criteria e Authorization Status e Record Status e Provision Code Type e Provision Code e Product Code Click Search button The system identifies all records satisfying the specified criteria and d
8. Maintenance Web Page Dialog Quality Category Description Provision Rate Minimum Fate Maximum Rate Maker Date Time DO PES Checker Date Time open You need to maintain the following details Quality Category Specify the code for the quality category which is to be created Description Specify the description of the quality category Minimum Rate Specify the minimum provision rate for the quality category 2 1 ORACLE Maximum Rate Specify the maximum rate for the quality category 2 3 Viewing Quality Category Details You can view the details of quality category in Quality Category Maintenance Summary screen To invoke this screen type CSSPRVRG in the field at the top right corner of the Application tool bar and click the adjoining arrow button F E Quality Category Maintenance Summary Web Page Dialog Eol Authorization Status Record Status Quality Category Description 4 Search Advanced Search Reset Records per page Lock 1i of 1 Authorization Status Record Status Quality Category Description Minimum Rate Maximum Rate You can query on records based on any one or all of the following criteria e Authorization Status e Record Status e Quality Category e Description Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Reco
9. N Provision Group Details Web Page Dialog Group Details Group Code Group Description Priority Segn Mo Date Time Date Time Er You need to maintain the following details Group Code Specify the group code to be maintained for provision Group Description Specify the description for the group code Priority Sedn No Specify the priority sequence number The multiple groups can have a same priority sequence number 2 9 Viewing Provisioning Group Details You can view the provision group details in Provision Group Details Summary screen To invoke this screen type CSSPRVGD in the field at the top right corner of the Application tool bar and click the adjoining arrow button 2 9 ORACLE Provision Group Details Web Page Dialog Authorization Status Record Status Group Code Q Search Advanced Search Records per page 15 w 3 vi Lock 1 of 1 Authorization Status Record Status Group Code Group Description Priority Segn No You can query on records based on any one or all of the following criteria e Authorization Status e Record Status e Group Code Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Group Code e Group Description e Priority Segn No 2 10 Defining Provision Products You can maintain the provisi
10. Provisioning Version 1 0 9NT1399 ORACLE FCUBSV UM 11 0 RU 1 0 0 0 December 2010 Oracle Part Number E51712 01 ORACLE FINANCIAL SERVICES ORACLE Document Control Author Documentation Team Group UBPG a Created on October 04 2010 Revision No Final O Updated by Documentation Team Reviewed by Approved by Software Quality Development Testing teams Assurance Team Updated on December 23 2010 Reviewed on December 23 Approved on December 23 2010 2010 ORACLE Provisioning Table of Contents li ABOUTI MANL Leila nda 1 1 1 1 RO TON rai 1 1 1 2 AUDIENCE ER EE ilari 1 1 1 3 CONVENTIONS USED IN THIS MANUAL see ese See es arnie Ee Ge Ee ee Ee 1 1 1 4 GLOSSARTORICON leleine 1 1 2 PROCESSINGEROVISIONINGi iaia 2 1 2 1 INTRODUCION laine 2 1 2 MAINTAINING QUALITY CATEGORY DETAILS erre 2 1 2 VIEWING QUAHITY CATEGORY DETAILS in 2 2 2 4 MAINTAINING PORTFOLIO PREFERENCE DETAILS see sees see see recare ceci onice ee ee ee ee ee ee ee ee nie 2 3 2 5 VIEWING PROVISION PORTFOLIO PREFERENCE ees esse sees see see ees see ee ee ee se ee ee ee ee ee ee ee ee ee ee ee ee ee ee ee 2 6 2 6 MAINTAINING CUSTOMER PROVISION DETAILS ee esse sees see see se ee see ee ee ee ee ee ee ee ee ee ee ee ee ee ee Ee 2 7 2 7 VIEWING CUSTOMER PROVISION DETAILS e cre sees see rece recare ceci e rice ricezione cirie cio recare eric nice ricezione 2 8 2 8 MAINTAINING
11. ails screen on authorization of the contract If you want to enter a new record you must select Individual 2 14 1 Specifyind the Amount Details Provision Group The system displays the provision group for which the provisioning is done Provision Currency The system displays the provision currency in which provisioning is done Over Due Value The system displays the total over due value during provisioning Term Value The system displays the term value during provisioning Provision OD Value The system displays the amount for which the provisioning is done Provision Term Value The system displays the term for which the provisioning is done 2 15 Viewing Provision Details You can view the provision details in the Provision Summary screen To invoke this screen type CSSPRVRT in the top right corner of the Application toolbar and click the adjoining arrow button di ORACLE Fi A Provision Summary Web Page Dialog Authorization Status Record Status Reference Number Reference Type Quality Category Provision Type Provision Rate CL Search Advanced Search Records per page Lock 1 of 1 Authorization Status Record Status Reference Number Reference Type Quality Category Provision Type Provision Rate You can query on records based on any one or all of the following criteria e Authorization Status e Record Status e Reference Number e Reference Type e Quality Category e Provisi
12. ce clerk Input functions for contracts Back office managers officers Authorization functions Product Managers Product definition and authorization End of day operators Processing during end of day beginning of day Financial Controller Product Managers Generation of reports Conventions Used in this Manual Important information is preceded with the symbol Glossary of Icons This User Manual may refer to all or some of the following icons a e s p ta ORACLE Reverse Template Roll over Refer the Procedures User Manual for further details about the icons 1 2 ORACLE 2 Processing Provisioning 2 1 Introduction Provisioning can be done for a variety of services like consumer loans corporate credits credit cards and overdrafts Typically provisioning can be classified under the following heads e Individual Provisioning e Special Items Provisioning e Portfolio Provisioning For consumer loans unutilised portion of limit lines credit cards and overdraft facilities and on an individual contract account basis for others provisions are usually done on a portfolio basis 2 2 Maintaining Quality Category Details You can maintain the minimum and maximum rate for each of the quality category in the Quality Category Maintenance screen To invoke this screen type CSDPRVRG in the field at the top right corner of the Application tool bar and click the adjoining button Quality Category
13. ed for provisioning Individual and Portfolio For CASA account negative balance amount should be considered as term provision basis amount and there is no overdue provision basis amount Provision for LIMITS During the End of Day operation the system process all the facilities marked for provisioning Individual and Portfolio Basis amount for provisioning should be unutilized amount in the Limit line and is to be derived from the available balance at the Limit Maintenance screen The provision amounts calculated for a processing date should be compared against the provision amounts for previous processing date and the difference should be booked as current provision entries You can change the provision type from Portfolio to Individual in the Provision Details screen Upon authorization the accounting entries would be reversed for the portfolio type and new accounting entries would be passed for the individual provisioning You cannot change the provision type from Individual to Portfolio provisioning In case of IA provisioning is calculated in the account currency But in case of RA it is always calculated in Russian Roubles 2 20 ORACLE ORACLE Provisioning December 2010 Version 1 0 Oracle Corporation World Headquarters 500 Oracle Parkway Redwood Shores CA 94065 U S A Worldwide Inquiries Phone 1 650 506 7000 Fax 1 650 506 7200 www oracle com financial_services
14. egory name based on the quality category selected Provision Rate Specify the rate to be used for provision The system will check whether the provision rate falls between the maximum and minimum rate allowed for the quality category 2 7 ORACLE 2 7 Viewing Customer Provision Details You can view the provision details of the customer in Customer Provision Details Summary screen To invoke this screen type CSSPRVCF in the field at the top right corner of the Application tool bar and click the adjoining arrow button x 2 Customer Provision Details Summary Web Page Dialog Authorization Status Record Status Customer ID CL Search Advanced Search Records per page Lock 1 of 1 Authorization Status Record Status Customer ID Provision Rate You can query on records based on any one or all of the following criteria e Authorization Status e Record Status e CustomerID Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e CustomerID e Provision Rate 2 8 Maintaining Provision Group Details You can maintain the component groups and priority order for provision in Provision Group Details screen To invoke this screen type CSDPRVGD in the field at the top right corner of the Application toolbar and click the adjoining button 2 8 ORACLE
15. es button in the Events screen and invoke the Accounting Entries screen to define accounting entries for every event Accounting Entries Webpage Dialog Event Code BOOK Event Description Booking 1of 1 Accounting Entries Details O Entry Pair No Accounting Role Amount Tag Dr Cr Txn Code Netting MIS Head ProftGL LossGL Rate Code RevalTx The system displays the event code and description You are required to specify the following details Entry Pair Number Specify a unique number to identify a pair of accounting entries At the time of saving the product the system will check that no two pairs for an event have the same pair number and that all accounting entries have an entry pair number When accounting entries are posted the system stores this number for the given pair along with the entries Refer the Products User Manual under Modularity for further details 2 12 ORACLE 2 11Viewing Provision Product Definition You can view the provision product details in Provision Product Maintenance Summary screen To invoke this screen type CSSPRMNT in the field at the top right corner of the Application tool bar and click the adjoining arrow button A Provision Product Maintenance Summary Web Page Dialog Product Code Product Group Product Type Start Date CL Search Advanced Search Records per page Lock 1 of 1 Authorization Status Record Status Product Code Product Group
16. isplays the following details for each one of them e Authorization Status 2 15 ORACLE e Record Status e Provision Code Type e Provision Code e Product Code e Quality Category e Provision rate 2 14Maintaining Provision Details You can maintain the provision details for new individual type of entries or modify the existing record for the movement from portfolio to individual in the Provision Details screen To invoke this screen type CSDPRVRT in the field at the top right corner of the Application toolbar and click the adjoining arrow button A Provision Details Web Page Dialog Contract Provision Details Reference Type Limit Liability ID Reference Number Line Code Basket ID Serial Mo Quality Category PF Code o a Provision Type Individual Fortolio Provision Rate Branch Code Status Amount d Provision Group Provision Currency Ower Due value Term Wale Provision OD Yale Provision Term alue blaker Date Time Mod Mo ii Checker Date Time N open You need to maintain the following details Reference Type Specify the reference type from the adjoining drop down list The list displays the following values e Loans Limits 2 16 ORACLE e CASA Reference Number Specify the reference number for which the provision to be maintained The adjoining option list displays all the reference numbers related to the reference type that are maintained in the system You can choose
17. on Type e Provision Rate Click Search button The system identifies all records satisfying the specified criteria and displays the following details for each one of them e Authorization Status e Record Status e Reference Number e Reference Type e Quality Category e Provision Type e Provision Rate 2 19 ORACLE 2 16Processing Provisioning Provisioning can be done for CL MO Limits Unutilized Portion CASA Negative amount GL Special Item provision Provision processes are done in the following ways e Individual Provisioning You need to maintain the respective account in the Provision Detail screen manually e Portfolio Provisioning You need to maintain the product in the Provision Portfolio Preference screen Restriction The provision group needs to be mapped for the CL MO products All the accounts booked under those products will be considered for provisioning On authorization of the accounts the system will defaults a record in Provision Detail screen for each account Provision for Loans During the End of Day operation the system process all the contracts marked for provisioning Individual and Portfolio The term and overdue provision basis amount are derived from the overdue and expected part of any component available for the Loan Mortgage and mapped to a provision component group Provision for CASA During the End of Day operation the system process all the accounts mark
18. on parameters in the Product Definition screen To invoke this screen type CSDPRMNT in the field at the top right corner of the Application toolbar and click the adjoining arrow button 2 10 ORACLE 2 Product Definition Web Page Dialog Product Code Product Description Product Type Description Slogan Product Group Product Group Description Start Date Remarks Accounting Roles Events Maker Date Time Mod Mo me Checker Date Time n Oper LE In this screen specify the following details Product Code Specify the product code Product Description Specify the description for the product which will be associated with the product Product Type Select the type of product as Provisioning that you are creating for provision Description The system displays the description for the product type selected Slogan You can enter a marketing punch line for every product you create This slogan will be printed on all advices that are sent to customers who avail of the product Product Group Products can be categorized into groups based on the common elements that they share You must associate a product with a group 2 11 ORACLE Product Group Description The system displays the description for the product group selected Start Date Specify the start date Remarks Specify the remarks regarding the products 2 10 1 Specifying Accounting Entries Click Accounting Entri
19. rd Status e Quality Category 2 2 ORACLE e Description e Minimum Rate e Maximum Rate 2 4 Maintaining Portfolio Preference Details You can maintain and map the portfolio either for multiple loan products or account classes using the Provision Portfolio Preference screen To invoke this screen type CSDPRVPPF in the field at the top right corner of the Application toolbar and click the adjoining arrow button Provision Portfolio Preferences Web Page Dialog Portfolio Details PF Code PF Description iof 1 Provision Effective Date C Ettective Date Provision Basket Rate C Basket id From Overdue Unit To Overdue Unit Quality Category Rate Block Upward Movement Restriction Maker Date Time Mod No HE Authorized Checker Date Time Open er In this screen specify the following details PF Code Specify the portfolio code for which the product or account class can be maintained PF Description Specify the description for the portfolio code Provision Effective Date Specify the following details Effective Date Specify the date from which the provision is effective Provision Basket Date Specify the following details 2 3 ORACLE Basket ID Specify the basket number to identify the range of overdue days From Overdue Specify the overdue day from when the specific quality category and rate are applicable for provision calculation Unit Select the unit for the
20. the appropriate one Basket ld The system defaults the basket id Quality Category Specify the quality category for which the product to be maintained The adjoining option list displays all the quality categories that are maintained in the system You can choose the appropriate one PF Code The system displays the portfolio code mapped to the account class or product Provision Rate Specify the rate to be used for provision Branch Code On clicking New the system displays the branch code for which the provision details are maintained Status The system displays the status Liabalility Id Specify the limit liability code The adjoining option list displays the liability codes that are maintained in the system You can select the appropriate one This field is applicable only if you select the reference type as Limit Line Code The system displays the line code based on the liability ld selected This field is applicable only if you select the reference type as Limit Line Serial The system displays the line serial based on the liability ld selected This field is applicable only if you select the reference type as Limit Provision Type Indicate the type of provisioning that you are maintaining You can select one of the following options e Individual e Portfolio 2 17 ORACLE If the provision type Portfolio is selected the system creates a record in the Provision Det
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