Assets and Liabilities Portfolio View frmdeploanportfolio (Application: 79BCD1BA-82C8-46fe-B6E4-BE14B547505F)

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1 Assets and Liabilities Portfolio View frmdeploanportfolio (Application: 79BCD1BA-82C8-46fe-B6E4-BE14B547505F) Overview: This App provides graphical snapshot for portfolio details of Deposits, Loans and also display details for the Past Due accounts. Based on the selection using radio buttons, the App can display data in terms of accounts or principal balance. The App also provides an option to the user to view this information either for the individual s login branch or for the entire FI. For this App, the Assets constitute loan majors Consumer (CNS), Commercial (CML), and Mortgage (MTG) only. Whereas Liability constitutes Deposit Majors, such as Checking (CK), Savings (SAV), and Time Deposit (TD) only. Processing: This application is available from the new screen Assets and Liabilities Portfolio. The processing of this screen depends on the search criteria provided by the user in the Selection Criteria group box and Radio button. When the radio button Show in terms of Percentage of Total Accounts is selected, then this screen displays the following graphs: Liability Classification by Number of Accounts: This graph displays the total percentage distribution of Active and Dormant accounts within each of the Deposit Majors, such as Checking (CK), Savings (SAV), and Time Deposit (TD) in terms of percentage out of the total deposit accounts for the Financial Institution. Asset Portfolio by Number of Accounts: This graph displays the total percentage of Active/ Non-Performing (NPFM) accounts for all loan majors (CNS/CML/MTG) that are secured (backed by either a Deposit account or by other collateral) and unsecured (rest of the active accounts that are not backed by Deposit or other collateral). Delinquency Statistics by Number of Accounts: This graph lists the number of Past Due Loan accounts from the last one, two, three, or four months, irrespective of the loan majors. Number of Liability Accounts by Status: This graph displays the total percentage of Deposit accounts for majors Time Deposit (TD), Checking (CK), and Savings (SAV) that are in Active (ACT) and Dormant (DORM) status. Page 1 of 9

2 Asset Classification by Number of Accounts: This graph displays the total percentage of Active/ Non-Performing accounts within each of the Loan Majors like Consumer (CNS), Commercial (CML), and Mortgage (MTG) in terms of percentage out of the total loan accounts for the Financial Institution. Asset Classification by Account Status: This graph displays the total percentage of Loan accounts that are in Non-Performing (NPFM) and Active (ACT) statuses. Page 2 of 9

3 When the radio button Show in terms of Principal Balance is selected, then this screen displays the following graphs: Liability Classification by Principal Balance: This graph displays the sum of note balance for all the Active and Dormant accounts that belong to Deposit Majors, such as Checking (CK), Savings (SAV), and Time Deposit (TD). Asset Portfolio by Principal Balance: This graph displays the total note balance of accounts Active/ Non-Performing (NPFM) accounts for all loan majors (CNS/CML/MTG) that are secured (backed by either a Deposit account or by other collateral) and unsecured (rest of the active accounts that are not backed by Deposit or other collateral). Delinquency Statistics by Principal Balance: This graph displays the total for note balance of Past Due Loan accounts from the last one, two, three, or four months, irrespective of the loan majors. Liability Principal Balances by Account Status: This graph displays the total note balance for all the accounts that belong to majors Time Deposit (TD), Checking (CK) and Savings (SAV), by statuses (Dormant and Active). Asset Classification by Principal Balance: This graph displays the total note balance for all the accounts that are in Active or in Non-Performing Status and belong to majors Consumer (CNS), Commercial (CML) and Mortgage (MTG). Asset Principal Balances by Account Status: Asset Balances by Account Status, displays the total note balance that belongs to account of majors Consumer (CNS), Commercial (CML), and Mortgage (MTG) for each of the statuses (Active and Non-Performing). Note: A new AuthCd AVSO has been associated with only those APPS, which have the drop-down that lists Branch and where the user has the option to make a selection for a branch or for all the branches by selecting the option ALL. If the AuthCD AVSO is not associated then the drop-down list Branch will be disabled and will display only the current logged-in as the default branch. However, if AVSO is associated then the drop-down list Branch will be enabled and the user will have the option to make a selection for a branch or for all the branches by selecting the option ALL. This application provides the drop-down list Branch where the user will be required to select the appropriate branch and therefore the Financial Institution will be required to provide a set up for this AuthCd and then associate the same with the respective new screen(s). Page 3 of 9

4 Screens: This application is available from the new screen Assets and Liabilities Portfolio which will be available at the following navigation: Navigation: Services > Services > Inquiries > Assets and Liabilities Portfolio This screen also has a quick panel, View Data. On click, this panel displays the information correspondent to the graphical representations in a grid format. This helps the users to quickly analyze the data in form of figures for various business purposes. The user can also copy this data by selecting the required rows. Page 4 of 9

5 Screen Appearances: Assets and Liabilities Portfolio When radio button Show in terms of Percentage of Total Accounts is selected: Page 5 of 9

6 When radio button Show in terms of Principal Balance is selected: Page 6 of 9

7 When View Data panel is opened: Note: As the screen fetches a lot of information for the entire FI, the screen may take a little longer to load and display the data. The actual time would depend on the amount of data to be fetched. In a scenario where the data to be displayed under chart Delinquency Statistics by Principal Balance is big then the first column figure may over lap the Y axis, however the user will have the option to see the data clearly through the tool tip. Page 7 of 9

8 Field Listing: Assets and Liabilities Portfolio Field Description Search Criteria This group box enables the user to specify the search criteria for the Assets and Liabilities Portfolio. Branch Query This combo box enables the user to select the required branch available at the Financial Institution level. The user can also select the ALL option to view the data for all the branches at the Financial Institution level. The default value for this field will be the login branch. Based on the search criteria, this button on click generates the graphical data in the Assets and Liabilities Portfolio frame. Assets and Liabilities Portfolio This plotting area displays the graphs on the basis of the selected radio buttons. Show in terms of On selection, this radio button enables the user to view the Portfolios by Percentage of Total Number of Accounts. Accounts Show in terms of Principal Balance On selection, this radio button enables the user to view the Portfolios by Principal Balance. Additional Requirements: Before executing this application, the Financial Institution will be required to consider the following prerequisites at the client environment: The appropriate AuthKey from Open Solutions has been obtained. Either DNA 3.2 or the higher version of DNA is available. The required set-up script/ steps have been executed before running this application. Note: This application considers only those: Deposit accounts which are either in Active or Dormant status and do not consider the Deposit accounts which are either in Originating, Inactive, or Closed status. Loan accounts which are either in Active, or Non-Performing status and do not consider the Loan accounts which are in Approved (APPR), Assumed (ASSM), Charge-off (CO), Closed, Closed with Balance Remaining (CWB), or Loan Denied (DENI) status.. Configuration Checklist: Item Test Environment Production Environment Authcd - AVSO Page 8 of 9

9 Revisions: Date App Change Version # 04/ Draft Version Created 05/ Revised version Page 9 of 9