ORACLE FLEXCUBE Accelerator Pack 12.2 Product Catalogue Retail Bills Accelerator Pack Product Catalogue Page 1 of 31

Transcription

1 ORACLE FLEXCUBE Acceleratr Pack 12.2 Prduct Catalgue Retail Bills ORACLE FINANCIAL SERVICES Acceleratr Pack Prduct Catalgue Page 1 f 31

2 Table f Cntents Table f Cntents... 2 Overview & Objectives... 5 Prduct Catalgue OUBC Outward Bills fr Cllectin Intrductin Business Scenari Synpsis Detailed Cverage Events Charges Advices supprted Reprts supprted Additinal infrmatin OUCC Outward Checks fr Cllectin Intrductin Business Scenari Synpsis Detailed Cverage Events Charges Advices supprted Reprts supprted Additinal infrmatin INBC Inward bills fr Cllectin Intrductin Business Scenari Synpsis Detailed Cverage Events Charges Advices supprted Reprts supprted Additinal infrmatin INCC Inward Checks n Cllectin Intrductin Business Scenari Synpsis Detailed Cverage Events Charges Advices supprted Acceleratr Pack Prduct Catalgue Page 2 f 31

3 4.8. Reprts supprted Additinal infrmatin OPDC Outward Checks fr Clearing Intrductin Business Scenari Synpsis Detailed Cverage Events Charges Advices supprted Reprts supprted Additinal infrmatin FCYC / CSHL FCY Checks under Cash Letter Intrductin Business Scenari Synpsis Detailed Cverage Events Charges Advices supprted Reprts Availability Additinal infrmatin OVCH Overseas Checks payable abrad under cllectin Intrductin Business Scenari Synpsis Detailed Cverage Events Charges Advices supprted Reprts Availability Additinal infrmatin Retail Bills Maintenances Instrument maintenance Instrument lcatin maintenance Instrument status maintenance Instrument rule maintenance Reasn cde maintenance Ntary maintenance Other party maintenance Drawer-drawee maintenance Branch parameter Acceleratr Pack Prduct Catalgue Page 3 f 31

4 9. RB Gateway Services Intrductin Supprted Gateway Services fr RB Acceleratr Pack Prduct Catalgue Page 4 f 31

5 Overview & Objectives In many cuntries, a large chunk f dmestic/retail business is settled thrugh instruments such as Bills and Pst Dated Checks. Banks play the rle f cllecting agents fr these instruments and grant shrt term lan r OD against the bills t cver the sellers funding needs fr the perid f asset cnversin cycle. Such retail bill transactins are usually f very large vlumes and the main fcus f the prpsed system is t make the data entry and tracking f large number f bills easy in the banks. The Retail Bills mdule supprts prcessing f instruments (Prduct type s) like: Outward Bills fr Cllectin Outward Checks Cllectin Outward Checks Clearing(PDC s) Inward Bills n Cllectin Inward Checks n Cllectin FCY Checks n Cash Letter Basis Overseas Checks Payable Abrad under Cllectin Optin available t autmate peridic prcesses such as: Dispatch f utward bills / checks Liquidatin f instruments n the maturity / due date. Generatin f advices The media supprted include Mail and Fax. Belw are the list f peratins/events supprted fr prduct types: Event Cdes Descriptin Supprted fr Prduct types BOOK Bking f cntract All prduct types AMND Amendment f cntract All prduct types DISP Dispatch f utward instruments Only utward bills fr cllectin and utward cheques fr cllectins DISC Finance existing cntracts All prduct types except inward bills fr cllectin and inward cheques fr cllectin LIQD Liquidatin f retail bills All prduct types DISH Dishnur All prduct types except utward cheques clearing (PDCs) PROT Prtest All prduct types except FCY cheque under cash letter and utward cheques clearing (PDCs) RETN Return All prduct types except FCY cheque under cash letter CLGN Cash letter generatin Only FCY cheques under cash letter CLAJ Cash letter adjustment Only FCY cheques under cash letter CLQD Realizatin f cash letter credit Only FCY cheques under cash letter Dishnur f FCY cheque under CDSH cash letter Only FCY cheques under cash letter Acceleratr Pack Prduct Catalgue Page 5 f 31

6 CBAT PDCC Cllateralizatin f utward instruments thrugh the cllateralizatin batch Clearing cntract generatin LOCH Update instrument lcatin All prduct types REVR Reversal All prduct types Only utward bills fr cllectin, utward cheques fr cllectin and utward cheques clearing (PDCs) Only utward cheques clearing (PDCs) Acceleratr Pack Prduct Catalgue Page 6 f 31

7 Prduct Catalgue 1. OUBC Outward Bills fr Cllectin 1.1. Intrductin This prduct is used t bk Outward Retail Bills fr Cllectin submitted by custmers f the bank. It prvides facility t finance r cllateralize the bill and supprts dishnr / prtest / return f the bill Business Scenari On request f Cunterparty, utward bill fr cllectin will be bked and ldgment advice will be generated t the drawer. Bills can be drawn n therparty wh is a nn-custmer r same branch custmer r different branch custmer. On dispatch f utward bill, Dispatch advice will be sent t cllecting bank. On realizatin f bills and payment f prceeds received frm cllecting bank, fr the bill amunt, the Nstr accunt will be debited and credited t the Cunterparty accunt. If, n maturity, payment is nt made by ther party, cllecting bank can dishnr / prtest / return the bill Synpsis Bking f utward bill with finance r cnsidered as cllateral Financing / cllateralizatin f already bked bill Amendment f cllectin bill Dispatch f bills t cllecting bank Dishnr / Prtest / Return f unpaid bills Liquidatin Track instrument Status and lcatin Cunterparty and Other party limit check n finance / cllateral bills Bking / dishnr / prtest / return / realizatin f bills in bulk are als supprted 1.4. Detailed Cverage Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde OUBC Outward Retail Bill fr Cllectin Outward Bills fr Cllectin RBOUBI STANDARD Buy / Sell rate Acceleratr Pack Prduct Catalgue Page 7 f 31

8 Lan prduct 1.5. Events Grace days 2 Aut Liquidatin N N f retrials - Other party limit check required Prduct Preferences LDM1 Events Accunting rles Amunt tag Dr / Cr BOOK COLLECONT COLLEC_AMOUNT D BOOK COLLECONTOFF COLLEC_AMOUNT C AMND COLLECONT COLLEC_AMND_AMT D AMND COLLECONTOFF COLLEC_AMND_AMT C DISC COLLECONTOFF DISC_AMOUNT D DISC COLLECONT DISC_AMOUNT C DISH COLLECONTOFF COLLEC_OS_AMT D DISH COLLECONT COLLEC_OS_AMT C LIQD COLLECONTOFF COLLEC_OS_AMT D LIQD COLLECONT COLLEC_OS_AMT C LIQD NOSTRO INST_LIQ_AMT D LIQD CUSTOMER INST_LIQ_AMT_LESS_FIN C LIQD BRIDGE GL LOAN_OS_AMT C PROT COLLECONTOFF COLLEC_OS_AMT D PROT COLLECONT COLLEC_OS_AMT C RETN COLLECONTOFF COLLEC_OS_AMT D RETN COLLECONT COLLEC_OS_AMT C Nte: Additinal accunting entries can be maintained fr charges, if required 1.6. Charges Yes Charge Descriptin Charge t be Levied frm Event fr Assciatin Charges Stamp Duty, Cmmissin, Pstage & Other bk charges / Amend charges / Dispatch charges / Dishnr / Prtest / Return charges / Liquidatin charges. Cunter Party BOOK / AMND / DISP / DISH / PROT / RETN / LIQD 1.7. Advices supprted Outward Bill fr Cllectin Ldgement Advice Outward Bill fr Cllectin bulk Ldgment (Bking) Advice Outward Bill fr Cllectin Amendment Advice t Cllecting Bank Outward Bill fr Cllectin Amendment Advice t Cunter Party Outward Bill - Check Cllateral Advice Outward Bill Realizatin Advice Outward Dispatch Letter Outward Dispatch Annexure Acceleratr Pack Prduct Catalgue Page 8 f 31

9 Outward Cntract Dishnr Advice Outward Cntract Prtest Advice Outward Cntract Return Advice 1.8. Reprts supprted Retail Bills Register Maturity Fllw up Reprt Bills n Cllectin Acknwledgement Due List f cntracts failed in Aut Liquidatin Realized instruments reprt Outward Overdue instruments reprt Outward Dishnred instruments reprt Outward Amendment reprt Prtested Bills Reprt Financed Instruments Reprt Cllateralized Instruments Reprt Limit Utilizatin Reprt Transfer Bills/Checks Reprt 1.9. Additinal infrmatin The liquidatin mde which is maintained as manual fr the prduct culd be changed as per the need f the bank UDF s OUBC1 and OUBC2 are attached t prduct Acceleratr Pack Prduct Catalgue Page 9 f 31

10 2. OUCC Outward Checks fr Cllectin 2.1. Intrductin This prduct is used t bk Outward Retail Cheques fr Cllectin submitted by custmers f the bank. It prvides facility t finance r cllateralize the check and supprts dishnr / prtest / return f the check Business Scenari On request f Cunterparty, utward check fr cllectin will be bked and ldgment advice will be generated t the drawer. On dispatch f utward check, Dispatch advice will be sent t cllecting bank. On realizatin f bills and payment f prceeds received frm Cllecting bank, fr the bill amunt, the Nstr accunt will be debited and credited t the Cunterparty accunt. If, n maturity, payment is nt made by ther party, cllecting bank can dishnr / prtest / return the check, if requested by remitting bank Synpsis Bking f utward check with finance r cnsidered as cllateral (Individual / Bulk) Financing / cllateralizatin f cllectin check Amendment f cllectin check Dispatch f check t cllecting bank, if ther party is a nn custmer Dishnr / Prtest / Return f unpaid check. (Individual / Bulk) Liquidatin (Individual / Bulk) Track instrument Status and lcatin Cunterparty and Other party limit check fr finance / cllateralized checks Bulk bking / disnnr / prtest / return / liquidatin are als supprted 2.4. Detailed Cverage Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde OUCC Outward Retail Check fr Cllectin Outward Checks fr Cllectin RBOUCH STANDARD Buy / Sell rate Prduct Preferences Lan prduct LDM1 Grace days 2 Aut Liquidatin Yes N f retrials 5 Other party limit check required Yes Acceleratr Pack Prduct Catalgue Page 10 f 31

11 2.5. Events Events Accunting rles Amunt tag Dr / Cr BOOK COLLECONT COLLEC_AMOUNT D BOOK COLLECONTOFF COLLEC_AMOUNT C AMND COLLECONT COLLEC_AMND_AMT D AMND COLLECONTOFF COLLEC_AMND_AMT C DISC COLLECONTOFF DISC_AMOUNT D DISC COLLECONT DISC_AMOUNT C DISH COLLECONTOFF COLLEC_OS_AMT D DISH COLLECONT COLLEC_OS_AMT C LIQD COLLECONTOFF COLLEC_OS_AMT D LIQD COLLECONT COLLEC_OS_AMT C LIQD NOSTRO INST_LIQ_AMT D LIQD CUSTOMER INST_LIQ_AMT_LESS_FIN C LIQD BRIDGE GL LOAN_OS_AMT C PROT COLLECONTOFF COLLEC_OS_AMT D PROT COLLECONT COLLEC_OS_AMT C RETN COLLECONTOFF COLLEC_OS_AMT D RETN COLLECONT COLLEC_OS_AMT C Nte: Additinal accunting entries can be maintained fr charges, if required 2.6. Charges Charge Descriptin Charge t be Levied frm Event fr Assciatin Charges Bk charges / Advice charges / Amend charges / Dispatch charges / Dishnr / Prtest / Return charges / Liquidatin charges Cunter Party BOOK / AMND / DISP / DISH / PROT / RETN /LIQD 2.7. Advices supprted Outward Check fr Cllectin Ldgment Advice Outward Check fr Cllectin Bulk Ldgment Advice Bulk Ldgment Advice Outward Check fr Cllectin Amendment Advice t Cunterparty Outward Check fr Cllectin Amendment Advice t Cllecting Bank Outward Check Cllateral Advice Realizatin Advice Outward Dispatch Letter Outward Dispatch Annexure Outward Cntract Dishnr Advice Outward Cntract Prtest Advice Outward Cntract Return Advice 2.8. Reprts supprted Retail Bills Register Maturity Fllw up Reprt Acceleratr Pack Prduct Catalgue Page 11 f 31

12 Bills n Cllectin Acknwledgement Due List f cntracts failed in Aut Liquidatin Realized instruments reprt Outward Overdue instruments reprt Outward Dishnred instruments reprt Outward Amendment reprt Prtested Bills Reprt Financed Instruments Reprt Cllateralized Instruments Reprt Limit Utilizatin Reprt Transfer Bills/Checks Reprt 2.9. Additinal infrmatin The liquidatin mde which is maintained as aut fr the prduct culd be changed as per the need f the bank UDF s OUCC1 and OUCC2 are attached t prduct Acceleratr Pack Prduct Catalgue Page 12 f 31

13 3. INBC Inward bills fr Cllectin 3.1. Intrductin This prduct is used t bk inward bills received fr cllectin frm anther bank. Facility t liquidate r dishnr the bill alng with bking are als available. In case f nn payment by the cunterparty, the bill can be dishnred/prtested (if requested by the remitting bank) Business Scenari On request f remitting bank, inward bill fr cllectin will be bked. On bking, acknwledgement advice t the remitting bank and arrival ntice t cunterparty will be generated. On realizatin f bills and payment f prceeds received frm Cunterparty, fr the bill amunt, the Nstr accunt will be creditted. If, n maturity, payment is nt made by cunter party, the bank can dishnr / return the bill. In case the remitting bank has requested t prtest in case f nn payment, the bank will prtest the bill Synpsis Bking f inward bill (Individual / Bulk) Dishnr / Prtest / Return f unpaid bill (Individual / Bulk) Liquidatin (Individual / Bulk) Tracking instrument status and lcatin 3.4. Detailed Cverage Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde INBC Inward Retail Bill fr cllectin Inward Bill fr cllectin RBINWB STANDARD Buy / Sell rate Lan prduct Grace days 2 Aut Liquidatin N f retrials 5 Liquidatin at bking Other party limit check required 3.5. Events Prduct Preferences Events Accunting Rles Amunt tag Dr / Cr NA Yes Yes BOOK COLLECONT INST_AMOUNT D BOOK COLLECONTOFF INST_AMOUNT C NA Acceleratr Pack Prduct Catalgue Page 13 f 31

14 AMND COLLECONT INST_AMND_AMT D AMND COLLECONTOFF INST_AMND_AMT C DISH COLLECONTOFF INST_AMOUNT D DISH COLLECONT INST_AMOUNT C LIQD COLLECONTOFF INST_AMOUNT D LIQD COLLECONT INST_AMOUNT C LIQD CUSTOMER INST_LIQ_AMTEQ D LIQD NOSTRO INST_LIQ_AMT C LIQD NOSTRO OUR_CHG_DED D LIQD OTH_CHG_INC OUR_CHG_DED C PROT COLLECONTOFF INST_AMOUNT D PROT COLLECONT INST_AMOUNT C RETN COLLECONTOFF INST_AMOUNT D RETN COLLECONT INST_AMOUNT C Nte: Additinal accunting entries can be maintained fr charges, if required 3.6. Charges Charge Descriptin Charge t be Levied frm Event fr Assciatin Charges Bk charges / Advice charges / Amend charges / Dishnr / Prtest / Return charges / Liquidatin charges Cunter Party BOOK / AMND / DISH / PROT / RETN /LIQD 3.7. Advices supprted Inward Instrument Acknwledgement Advice Inward Instrument Arrival Ntice Amendment f Inward Instrument Acknwledgement Advice Amendment f Inward Instrument Arrival Ntice Dishnr Advice t Remitting Bank Prtest Advice t Remitting Bank Return Advice t Remitting Bank 3.8. Reprts supprted Retail Bills Register Maturity Fllw up Reprt List f cntracts failed in Aut Liquidatin Realized instruments reprt Inward Overdue instruments reprt Inward Dishnred instruments reprt Inward Amendment reprt Prtested Bills Reprt 3.9. Additinal infrmatin The liquidatin mde which is maintained as aut fr the prduct culd be changed as per the need f the bank Acceleratr Pack Prduct Catalgue Page 14 f 31

15 UDF s INBC1 and INBC2 are attached t the prduct Acceleratr Pack Prduct Catalgue Page 15 f 31

16 4. INCC Inward Checks n Cllectin 4.1. Intrductin This prduct is used t bk inward check received fr cllectin frm anther bank. Facility t liquidate r dishnr the check alng with bking are als available. In case f nn payment by the cunterparty, the bill can be dishnred / prtested (if requested by the remitting bank) Business Scenari On request f remitting bank, inward check fr cllectin will be bked, and acknwledgement advice will be generated t the remitting bank and arrival ntice t cunterparty. On realizatin f checks and payment f prceeds received frm Cunterparty, fr the bill amunt, the Nstr accunt will be credited and debit will be made t the Cunterparty accunt. If, n maturity payment is nt made by cunter party, presenting bank can dishnr / prtest / return the check Synpsis Bking f inward check (Individual / Bulk) Dishnr / Prtest / Return f unpaid check (Individual / Bulk) Liquidatin (Individual / Bulk) Tracking instrument status and lcatin. Tracking f check ns n bking and updatin f cheque statuses accrdingly 4.4. Detailed Cverage Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde INCC Inward Retail Check n cllectin Inward Check fr cllectin RBINWC STANDARD Buy / Sell rate Prduct Preferences Lan prduct NA Grace days NA Aut Liquidatin Yes N f retrials 5 Liquidatin at bking Yes Other party limit check required NA Acceleratr Pack Prduct Catalgue Page 16 f 31

17 4.5. Events Events Accunting rles Amunt tag Dr / Cr BOOK COLLECONT INST_AMOUNT D BOOK COLLECONTOFF INST_AMOUNT C AMND COLLECONT INST_AMND_AMT D AMND COLLECONTOFF INST_AMND_AMT C DISH COLLECONTOFF INST_AMOUNT D DISH COLLECONT INST_AMOUNT C LIQD COLLECONTOFF INST_AMOUNT D LIQD COLLECONT INST_AMOUNT C LIQD CUSTOMER INST_LIQ_AMTEQ D LIQD NOSTRO INST_LIQ_AMT C LIQD NOSTRO OUR_CHG_DED D LIQD OTH_CHG_INC OUR_CHG_DED C PROT COLLECONTOFF INST_AMOUNT D PROT COLLECONT INST_AMOUNT C RETN COLLECONTOFF INST_AMOUNT D RETN COLLECONT INST_AMOUNT C BOOK COLLECONT INST_AMOUNT D Nte: Additinal accunting entries can be maintained fr charges, if required 4.6. Charges Charge Descriptin Charge t be Levied frm Event fr Assciatin Charges Bk charges / Advice charges / Amend charges / Dishnr / Prtest / Return charges / Liquidatin charges Cunter Party BOOK / AMND / DISH / PROT / RETN /LIQD 4.7. Advices supprted Inward Instrument Acknwledgement Advice Inward Instrument Arrival Ntice Amendment f Inward Instrument Acknwledgement Advice Amendment f Inward Instrument Arrival Ntice Dishnr Advice t Remitting Bank Prtest Advice t Remitting Bank Return Advice t Remitting Bank 4.8. Reprts supprted Retail Bills Register Maturity Fllw up Reprt List f cntracts failed in Aut Liquidatin Realized instruments reprt Inward Overdue instruments reprt Inward Dishnred instruments reprt Inward Amendment reprt Acceleratr Pack Prduct Catalgue Page 17 f 31

18 Prtested Bills Reprt 4.9. Additinal infrmatin The liquidatin mde which is maintained as aut fr the prduct culd be changed as per the need f the bank UDF s - INCC1 and INCC 2 are attached t the prduct Acceleratr Pack Prduct Catalgue Page 18 f 31

19 5. OPDC Outward Checks fr Clearing 5.1. Intrductin This prduct is used t bk the pst dated cheques which are t be presented in clearing by the bank. It prvides facility t finance r cnsider the cheque as a cllateral Business Scenari On request f Cunterparty, utward checks fr clearing (nly future dated checks) will be bked and ldgment advice will be generated t the drawer. Clearing GL will be credited, n clearing transactin creatin. On realizatin f bills and payment f prceeds received frm Cllecting bank, fr the bill amunt, the clearing GL will be debited and credited t the Cunterparty accunt. If, n maturity payment is nt made by ther party, check presented fr clearing can be rejected, which in-turn will make the PDC as returned Synpsis Bking f PDC with finance / cnsidered as cllateral Financing / cllateralizatin f PDC Return f unpaid PDC thrugh clearing Liquidatin Track instrument status and lcatin Cunterparty and Other party limit check fr finance / cllateral check Bking f PDC in bulk is als supprted 5.4. Detailed Cverage Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde OPDC Outward Check (PDC) fr Clearing Outward Checks Clearing(PDC s) RBOUPD STANDARD Buy / Sell rate Lan prduct Clearing prduct Aut Liquidatin Other party limit check required Prduct Preferences LDM1 CGRB Yes Yes 5.5. Events Events Accunting rles Amunt tag Dr / Cr Acceleratr Pack Prduct Catalgue Page 19 f 31

20 BOOK COLLECONT COLLEC_AMOUNT D BOOK COLLECONTOFF COLLEC_AMOUNT C AMND COLLECONT COLLEC_AMND_AMT D AMND COLLECONTOFF COLLEC_AMND_AMT C DISC COLLECONTOFF DISC_AMOUNT D DISC COLLECONT DISC_AMOUNT C PDCC COLLECONTOFF COLLEC_OS_AMT D PDCC COLLECONT COLLEC_OS_AMT C LIQD COLLECONTOFF COLLEC_OS_AMT D LIQD COLLECONT COLLEC_OS_AMT C LIQD REALIZATION_ACC INST_LIQ_AMT D LIQD CUSTOMER INST_LIQ_AMT_LESS_FIN C LIQD BRIDGE GL LOAN_OS_AMT C RETN COLLECONTOFF COLLEC_OS_AMT D RETN COLLECONT COLLEC_OS_AMT C Nte: Additinal accunting entries can be maintained fr charges, if required 5.6. Charges Charge Descriptin Charge t be Levied frm Event fr Assciatin Charges Bk charges / Advice charges / Amend charges / Return charges / Liquidatin charges Cunter Party BOOK / AMND / RETN /LIQD 5.7. Advices supprted Outward Check fr Clearing Ldgment Advice Outward Check fr Clearing Bulk Ldgment Advice Outward Check fr Clearing Amendment Advice Cllateral advice Outward Check fr Clearing Realizatin Advice Outward Check fr Clearing Return Advice 5.8. Reprts supprted Retail Bills Register Maturity Fllw up Reprt List f cntracts failed in Aut Liquidatin Realized instruments reprt Overdue instruments reprt Amendment reprt Financed Instruments Reprt Cllateralized Instruments Reprt Limit Utilizatin Reprt Acceleratr Pack Prduct Catalgue Page 20 f 31

21 5.9. Additinal infrmatin The liquidatin mde which is maintained as aut fr the prduct culd be changed as per the need f the bank UDF s OPDC1 and OPDC2 are attached t prduct Acceleratr Pack Prduct Catalgue Page 21 f 31

22 6. FCYC / CSHL FCY Checks under Cash Letter 6.1. Intrductin This prduct is used t bk FCY Cheques under Cash Letter arrangement. It prvides facility t finance the cheque either during bking r at a later stage until due date.cshl, a cash letter prduct, supprts generatin and realizatin f cash letter. Cash letter refers t a grup f cheques packaged and sent by ne bank t anther and is accmpanied by a list detailing the amunt f each cheque, the ttal amunt f the cheques and the number f cheques in the cash letter Business Scenari Freign currency checks submitted by custmers fr cllectin are sent t the crrespndents under cash letter arrangement fr immediate credit. Multiple FCY checks can be bked under single cash letter. On realizatin f cash letter (bank value date), Nstr accunt f FCY will be debited and cash letter suspense GL will be credited. On custmer value date, cash letter suspense GL will be debited fr check amunt and cunterparty accunt will be credited, amunting t FCY check realizatin. If, n maturity, payment is nt made t presenting bank, FCY check under cash letter can be dishnred Synpsis Bking FCY Checks n Cash Letter basis with finance Generatin f Cash letter Amendment f FCY checks bked under Cash Letter Financing f FCY Checks n Cash Letter basis Realizatin f cash letter Dishnr f unpaid FCY checks under cash letter Liquidatin Track instrument status and lcatin. Cunterparty limit check n finance checks Bking and realizatin f FCY checks in bulk are als supprted 6.4. Detailed Cverage FCYC - Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde FCYC FCY checks under cash letter FCY checks n Cash letter basis RBFCYC STANDARD Buy / Sell rate Acceleratr Pack Prduct Catalgue Page 22 f 31

23 CSHL - Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde CSHL Cash letter prduct Cash letter prduct RBFCYC STANDARD Mid Rate Lan prduct Aut Liquidatin Other party limit check required 6.5. Events FCYC CSHL FCYC - Prduct Preferences LDM1 Events Accunting rles Amunt tag Dr / Cr BOOK COLLECONT COLLEC_AMOUNT D BOOK COLLECONTOFF COLLEC_AMOUNT C AMND COLLECONT COLLEC_AMND_AMT D AMND COLLECONTOFF COLLEC_AMND_AMT C DISC COLLECONTOFF DISC_AMOUNT D DISC COLLECONT DISC_AMOUNT C DISH COLLECONTOFF COLLEC_OS_AMT D DISH COLLECONT COLLEC_OS_AMT C LIQD COLLECONTOFF COLLEC_OS_AMT D LIQD COLLECONT COLLEC_OS_AMT C LIQD REALIZATION_ACC INST_LIQ_AMT D LIQD CUSTOMER INST_LIQ_AMT_LESS_FIN C LIQD BRIDGE GL LOAN_OS_AMT C Nte: Additinal accunting entries can be maintained fr charges, if required Events Accunting rle Amunt tag Dr / Cr CLGN N.A N.A N.A CLQD NOSTRO CASH_LETTER_AMT D CLQD REALIZATION_ACC CASH_LETTER_AMT C CLAJ REALIZATION_ACC COLLEC_AMND_AMT D CLAJ NOSTRO COLLEC_AMND_AMT C CDSH REALIZATION_ACC INST_AMOUNT D CDSH NOSTRO INST_AMOUNT C Yes NA 6.6. Charges Charge Descriptin Charge t be Levied frm Charges Bk charges / Curier charges / Amend charges / Return charges / Liquidatin charges Cunter Party Acceleratr Pack Prduct Catalgue Page 23 f 31

24 Event fr Assciatin BOOK / AMND / DISH / LIQD 6.7. Advices supprted Freign check ldgement Advice Cash letter annexure generatin advice Freign Check Amendment Advice Freign Check Dishnr advice Freign Check Realizatin Advice 6.8. Reprts Availability Retail Bills Register Maturity Fllw up Reprt Dishnr reprt List f cntracts failed in Aut Liquidatin Amendment reprt Financed Instruments Reprt 6.9. Additinal infrmatin The liquidatin mde which is maintained as aut fr the prduct culd be changed as per the need f the bank UDF s FCYC1 and FCYC2 are attached t prduct Acceleratr Pack Prduct Catalgue Page 24 f 31

25 7. OVCH Overseas Checks payable abrad under cllectin 7.1. Intrductin This prduct is used t bk the details f verseas checks submitted by custmers fr cllectin. These are payable abrad under cllectin. These checks can be financed either during bking r after bking till the due date fr the payment Business Scenari On request f cunterparty, verseas checks will be bked, On bking cvering letter will be generated. On realizatin f checks and payment f prceeds received frm Cllecting bank, fr the bill amunt the Nstr accunt will be debited and credited t the Cunterparty accunt. If, n maturity, payment is nt made by ther party, verseas check presented can be dishnred / prtested / returned Synpsis Bking f financed / nn financed verseas check payable abrad Amendment f verseas check payable abrad Financing f verseas checks payable abrad Dishnr / Prtest / Return f Overseas checks Liquidatin Track instrument status and lcatin Cunterparty limit check n finance Bulk peratins fr bking f verseas checks, realizatin, dishnr, prtest and return are supprted 7.4. Detailed Cverage Prduct Features Prduct Cde Descriptin Prduct Type Prduct Grup Rate type Rate Cde OVCH Overseas Check Payable Abrad Overseas Check Payable Abrad under Cllectin RBOVCH STANDARD Buy / Sell rate Lan prduct Aut Liquidatin Other party limit check required Prduct Preferences LDM1 N NA Acceleratr Pack Prduct Catalgue Page 25 f 31

26 7.5. Events Events Accunting rles Amunt tag Dr / Cr BOOK COLLECONT COLLEC_AMOUNT D BOOK COLLECONTOFF COLLEC_AMOUNT C AMND COLLECONT COLLEC_AMND_AMT D AMND COLLECONTOFF COLLEC_AMND_AMT C DISC COLLECONTOFF DISC_AMOUNT D DISC COLLECONT DISC_AMOUNT C DISH COLLECONTOFF COLLEC_OS_AMT D DISH COLLECONT COLLEC_OS_AMT C LIQD COLLECONTOFF COLLEC_OS_AMT D LIQD COLLECONT COLLEC_OS_AMT C LIQD NOSTRO INST_LIQ_AMT D LIQD CUSTOMER INST_LIQ_AMT_LESS_FIN C LIQD BRIDGE GL LOAN_OS_AMT C PROT COLLECONTOFF COLLEC_OS_AMT D PROT COLLECONT COLLEC_OS_AMT C RETN COLLECONTOFF COLLEC_OS_AMT D RETN COLLECONT COLLEC_OS_AMT C Nte: Additinal accunting entries can be maintained fr charges, if required 7.6. Charges Charge Descriptin Charge t be Levied frm Event fr Assciatin Charges Bk charges / Advice charges / Amend charges / Dishnr / Prtest charges / Return charges / Liquidatin charges Cunter Party BOOK / AMND / DISH / PROT /RETN / LIQD 7.7. Advices supprted Overseas Check Payable abrad Under Cllectin Ldgment Advice Overseas Check payable abrad Amendment Advice t Cllecting Bank Overseas Check Payable abrad Realizatin Advice Overseas Check Payable abrad Dishnr Advice Overseas Check Payable abrad Prtest Advice Overseas Check Payable abrad Return Advice 7.8. Reprts Availability Retail Bills Register List f cntracts failed in Aut Liquidatin Amendment reprt Financed Instruments Reprt Dishnred Instruments Reprt 7.9. Additinal infrmatin The liquidatin mde which is maintained as aut fr the prduct culd be changed as per the need f the bank Acceleratr Pack Prduct Catalgue Page 26 f 31

27 UDF s OVCH1 and OVCH2 are attached t prduct. Acceleratr Pack Prduct Catalgue Page 27 f 31

28 8. Retail Bills Maintenances Varius maintenances needed fr RB are listed in this sectin Instrument maintenance This maintenance ptin allws defining attributes fr an instrument and sme f these attributes decide the life cycle events f the instrument. The attributes defined in this maintenance shall be defaulted fr the relevant cntracts based n the selectin f the instrument in thse cntracts. Examples f instruments are: Bills Checks 8.2. Instrument lcatin maintenance It is necessary t identify the physical lcatin during the life cycle f a bill / check. Lcatin names applicable fr the specific business cnditins can be maintained. Examples f lcatins are Cunterparty Other party Teller Vault Dispatched Crrespndent Bank Ntary 8.3. Instrument status maintenance It is necessary t track the status f the instrument during the life cycle f a bill / check.required instrument status can be maintained under this screen. Examples f status are Active Realized Dishnred Prtested Returned 8.4. Instrument rule maintenance Fr updatin f the instrument lcatin and status, instrument rule needs t be maintained. The updatin f the status will happen based n frm / t lcatin and frm / t status Reasn cde maintenance Reasn cdes are necessary t be maintained and the same needs t be captured during the dishnr. Examples f reasn cdes are Acceleratr Pack Prduct Catalgue Page 28 f 31

29 Deceased Other party Nn payment 8.6. Ntary maintenance Ntary is necessary t be maintained and the same needs t be captured during the prtest peratin. It is the identificatin f public fficer, wh initiates prtest n behalf f cunterparty Other party maintenance Other parties are nn-custmer parties f the bank. Other party is necessary t be maintained, since the cunterpart f the bank s custmer may nt be a custmer f the bank. Limits f ther party are defined, which determine the credit rating f ther party Drawer-drawee maintenance Drawer drawee limit is necessary t be maintained when bills / checks are cnsidered fr finance / cllateralizatin. Based n the cmbinatin limit, the amunt which can be prvided as finance / cllateral is determined Branch parameter Branch parameter is necessary t be maintained t define the n f dishnr / prtest fr marking a therparty as defaulter, intermediary GL s, ther bank charge tlerance limit, flat days fr cash letter, transit days fr verseas check. Aut liquidatin will happen based n the prcess till maintained. Acceleratr Pack Prduct Catalgue Page 29 f 31

30 9. RB Gateway Services 9.1. Intrductin FLEXCUBE uses synchrnus and asynchrnus gateway services t ensure data flw frm external system t FCUBS in XML frmat Supprted Gateway Services fr RB FCUBSRBService is the gateway service fr RB Mdule. The list f gateway peratins supprted n this service is attached in the embedded wrksheet: Gateway_Operatins.xlsx Acceleratr Pack Prduct Catalgue Page 30 f 31

31 Oracle Financial Services Sftware Limited Oracle Park Off Western Express Highway Gregan (East) Mumbai, Maharashtra India Wrldwide Inquiries: Phne: Fax: Cpyright [2016]Oracle and/r its affiliates. All rights reserved. Oracle and Java are registered trademarks f Oracle and/r its affiliates. Other names may be trademarks f their respective wners. U.S. GOVERNMENT END USERS: Oracle prgrams, including any perating system, integrated sftware, any prgrams installed n the hardware, and/r dcumentatin, delivered t U.S. Gvernment end users are cmmercial cmputer sftware pursuant t the applicable Federal Acquisitin Regulatin and agency-specific supplemental regulatins. As such, use, duplicatin, disclsure, mdificatin, and adaptatin f the prgrams, including any perating system, integrated sftware, any prgrams installed n the hardware, and/r dcumentatin, shall be subject t license terms and license restrictins applicable t the prgrams. N ther rights are granted t the U.S. Gvernment. This sftware r hardware is develped fr general use in a variety f infrmatin management applicatins. It is nt develped r intended fr use in any inherently dangerus applicatins, including applicatins that may create a risk f persnal injury. If yu use this sftware r hardware in dangerus applicatins, then yu shall be respnsible t take all apprpriate failsafe, backup, redundancy, and ther measures t ensure its safe use. Oracle Crpratin and its affiliates disclaim any liability fr any damages caused by use f this sftware r hardware in dangerus applicatins. This sftware and related dcumentatin are prvided under a license agreement cntaining restrictins n use and disclsure and are prtected by intellectual prperty laws. Except as expressly permitted in yur license agreement r allwed by law, yu may nt use, cpy, reprduce, translate, bradcast, mdify, license, transmit, distribute, exhibit, perfrm, publish r display any part, in any frm, r by any means. Reverse engineering, disassembly, r decmpilatin f this sftware, unless required by law fr interperability, is prhibited. The infrmatin cntained herein is subject t change withut ntice and is nt warranted t be errr-free. If yu find any errrs, please reprt them t us in writing. This sftware r hardware and dcumentatin may prvide access t r infrmatin n cntent, prducts and services frm third parties. Oracle Crpratin and its affiliates are nt respnsible fr and expressly disclaim all warranties f any kind with respect t third-party cntent, prducts, and services. Oracle Crpratin and its affiliates will nt be respnsible fr any lss, csts, r damages incurred due t yur access t r use f third-party cntent, prducts, r services. Acceleratr Pack Prduct Catalgue Page 31 f 31