ORACLE FLEXCUBE Accelerator Pack 12.3 Product Catalogue Islamic Integrated liquidity management Accelerator Pack Product Catalogue Page 1 of 12

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1 ORACLE FLEXCUBE Acceleratr Pack 12.3 Prduct Catalgue Islamic Integrated liquidity management ORACLE FINANCIAL SERVICES Acceleratr Pack Prduct Catalgue Page 1 f 12

2 Table f Cntents Table f Cntents... 2 Overview & Objectives... 3 Prduct Catalgue ILM depsit with header benefit Business Scenari Synpsis Detailed Cverage Accunt class - IILMHA Rule definitin - IPHR Prduct -IPHR Additinal infrmatin ILM depsit with nrmal prfit Business Scenari Synpsis Detailed Cverage Accunt class IILMCH Rule definitin Prduct Additinal infrmatin Integrated liquidity management Other maintenances Event class cde maintenance Grup cde maintenance Islamic weight maintenance Acceleratr Pack Prduct Catalgue Page 2 f 12

3 Overview & Objectives Liquidity Management refers t the services the bank prvides t its crprate custmers thereby allwing them t ptimize prfit n their checking / current accunts and pl funds frm different accunts. The Islamic Integrated Liquidity Management (II) mdule in Oracle FLEXCUBE supprts multibranch, multi-currency liquidity management structure using architecture f System Accunts. This enables the system t keep track f balances in accunts in the structure,calculate prfit n the accunts in the structure as well as track the histry f the sweep / pl structure. Islamic liquidity management services are bradly classified as under Sweeping - where physical funds are mved in accunt structure frm child t parent r parent t child. Pling - where funds are nt physically mved in and ut f accunts. Instead, the accunt balances are ntinally cnslidated and prfit cmputatins carried ut such ntinal balances Optins available t autmate peridic prcesses such as : Accrual f accunts Liquidatin f depsits n liquidatin frequency defined. Acceleratr Pack Prduct Catalgue Page 3 f 12

4 Prduct Catalgue 1. ILM depsit with header benefit This ffering has all basic features that are needed fr a crprate custmer t pen an accunt which culd participate in the accunt structure. Mrever, it cntributes its balance maintained in each accunt t a FUND in rder t get the prfit Business Scenari The Header accunt f an accunt structure will cnslidate the whle balance fr an ILM grup. The prfit fr this accunt wuld be calculated fr the balance accumulated thrugh accunt structure. Target audience / Beneficiaries: Crprate wh wants t participate in liquidity management Synpsis Weekly detailed statement FUND ID linked t the accunt Class Integrated liquidated management ptin is enabled 1.3. Detailed Cverage Depsits can be pened in GBP currency under this accunt class Daily prfit accruals fr pl r sweep balances. Liquidatin at mnthly ends Back value dated prfit adjustments fr accruals and liquidatins Defer liquidatin days as 6 Facility t calculate prfit based n pl header prfit prduct ATM transactin is allwed 1.4. Accunt class - IILMHA Accunt Class > Details Accunt Type Current Accunt statement frmat ACST_DETAILED Accunt Class > Preferences Limit check Overdraft Track receivable Accunt statistics Exclude Same Day Reversal Transactins frm Statement Back perid entry allwed Prfit charges Track accrued prfit Debit credit advices Psting allwed ATM Acceleratr Pack Prduct Catalgue Page 4 f 12

5 Prfit statement Available balance check required Integrated liquidity management Prfit calculatin balance basis Mnthly average balance Mudarabah fund id IAFD10005 Cash reserve rati Rule definitin - IPHR IC Rule Features SDE S UDE DAYS,ILVD_ULT_CR_BAL,YEAR MUDARABAH_RATE Rule Definitin Frmu la N Accru al Type Cnditin Result 1 Bk ILVD_ULT_CR_BAL>0 (ILVD_ULT_CR_BAL*MUDAR ABAH_RATE*DAYS) / (YEAR*100) 1.6. Prduct -IPHR Prduct Cde Descriptin Prduct Type Prduct Grup Prduct grup descriptin Bking accunt type IC Rule IC Rule descriptin Prduct Features IPHR Prfit fr Liquidity Management Header Accunt Prfit IP Prfit and Charges Prfit IPHR Prfit fr liquidity management header accunt Prduct Preference Prduct Level N Accrual Frequency Daily Payment Methd Bearing Liquidatin cycle 1 mnth Defer Liquidatin Defer liquidatin days 6 Liquidatin at Mnth ends Back Value Recalculatin Flag Start frm accunt Opening N ILM prduct ILM type Prfit lead Accunt Classes Mapping Acceleratr Pack Prduct Catalgue Page 5 f 12

6 Accunt class Currency Special cnditin nly Rate change at Liquidatin Rate change n Rllver Cntinue Variance n rllver IILMHA GBP N N N 1.7. Additinal infrmatin ILM event cde ILMTEST is maintained and attached t II branch parameter Fund id is maintained and attached t accunt class Weight maintenance is dne fr fund id and accunt clas cmbinatin Acceleratr Pack Prduct Catalgue Page 6 f 12

7 2. ILM depsit with nrmal prfit This ffering has all basic features that are needed fr a crprate custmer t pen an accunt which culd participate in the accunt structure either as a Parent r Child Business Scenari As per the balance available and accunt structure definitin, the accunts will mve fund frm ne t ther, als the prfit liquidatin fr this accunts wuld be based n its cntributin t the accunt structure Synpsis Bking f depsit with sweep facility Integrated liquidated management ptin is enabled Overdraft facility 2.3. Detailed Cverage Depsits can be pened in GBP currency under this accunt class Daily prfit accruals fr pl r sweep balances. Liquidatin at mnthly ends Back value dated prfit adjustments fr accruals and liquidatins Defer liquidatin days as 6 Facility t calculate prfit based n pl header prfit prduct ATM transactin is allwed 2.4. Accunt class IILMCH Accunt Class > Details Accunt Type Current Accunt statement frmat ACST_DETAILED Accunt Class > Preferences Limit check Overdraft Track receivable Accunt statistics Exclude Same Day Reversal Transactins frm Statement Back perid entry allwed Prfit charges Track accrued prfit Debit credit advices Psting allwed ATM Prfit statement Available balance check required Integrated liquidity management Prfit calculatin balance basis Mnthly average balance Mudarabah fund id Acceleratr Pack Prduct Catalgue Page 7 f 12

8 Cash reserve rati Rule definitin IC Rule Features - IPRC SDE s UDE ILVD_CP_CR_CONT, ILVD_NCP_CR_CONT,DAYS, YEAR MUDARABAH_RATE Frmu la N Rule Definitin - IPRC Accru al Type Cnditin Result 1 Bk ( ILVD_CP_CR_CONT + ILVD_NCP_CR_CONT ) > 0 ((( ILVD_CP_CR_CONT + ILVD_NCP_CR_CONT ) *MUDARABAH_RATE * DAYS ) / (YEAR*100) IC Rule Features - NPRO SDE s UDE DAYS, DLY_CR_BAL_M, YEAR MUDARABAH_RATE Rule Definitin - NPRO Frmu la N Accru al Type Cnditin Result 1 Bk DLY_CR_BAL_M>0 (DLY_CR_BAL_M*MUDARAB AH_RATE*DAYS)/ (YEAR *100) 2.6. Prduct Prduct Cde Descriptin Prduct Type Prduct Grup Prduct grup descriptin Bking accunt type IC Rule IC Rule descriptin Prduct Features - IPRC IPRC Prfit fr Liquidity Management Parent and Child Accunt Prfit IP Prfit and Charges Prfit IPRC Prfit fr Liquidity Management Parent and Child Accunt Prduct Level Accrual Frequency Payment Methd Prduct Preference - IPRC N Daily Bearing Acceleratr Pack Prduct Catalgue Page 8 f 12

9 Liquidatin cycle 1 mnth Defer Liquidatin N Defer liquidatin days 6 Liquidatin at Mnth ends Back Value Recalculatin Flag Start frm accunt Opening N ILM prduct ILM type Pl reallcatin Accunt Classes Mapping - IPRC Accunt class Currency Special cnditin nly Rate change at Liquidatin Rate change n Rllver Cntinue Variance n rllver IILMCH GBP N N N Prduct Cde Descriptin Prduct Type Prduct Grup Prduct grup descriptin Bking accunt type IC Rule IC Rule descriptin Prduct Features - NPRO NPRO Nrmal Prfit prduct Prfit IP Prfit and Charges Prfit NPRO Nrmal prfit rule Prduct Preference - NPRO Prduct Level N Accrual Frequency Daily Payment Methd Bearing Liquidatin cycle 1 mnth Defer Liquidatin N Defer liquidatin days 6 Liquidatin at Mnth ends Back Value Recalculatin Flag Start frm accunt Opening N ILM prduct N Accunt Classes Mapping- NPRO Accunt class Currency Special cnditin nly Rate change at Liquidatin Rate change n Rllver Cntinue Variance n rllver IILMCH GBP N N N 2.7. Additinal infrmatin Fund id is maintained and attached t accunt class Acceleratr Pack Prduct Catalgue Page 9 f 12

10 3. Integrated liquidity management Other maintenances Varius maintenances t be dne fr ILM are listed in this sectin Event class cde maintenance Event class needs t be maintained fr IL mdule with events as SWBK & RVSW t facilitate sweeps. Event cde ILMTEST is maintained and the belw events have been maintained, Events Accunting rle Amunt tag SWBK CHILD CR_CONT SWBK CHILD DR_CONT SWBK PARENT CR_CONT SWBK PARENT DR_CONT RVSW CHILD CR_CONT RVSW CHILD DR_CONT RVSW PARENT CR_CONT RVSW PARENT DR_CONT 3.2. Grup cde maintenance Grup cde needs t be maintained with different parameters. Belw grup cdes have been maintained in 005 branch, Grup cde Pl benefit Sweep basis Intraday sweep Back value Back value unit Back value duratin Reverse sweep ISLGRBV Value date N Mnthly 1 ISLGRP Value date N N - N ISLGRSW Value date N N - Acceleratr Pack Prduct Catalgue Page 10 f 12

11 3.3 Islamic weight maintenance Islamic weights need t be maintained t apply prfit rate n the entire investment t fund id based n weightage. Weightage is defined fr amunt, tenr and prfit payut frequency cmbinatin. On prfit distributin n defer liquidatin days, weights are applied n investment and individual prfit is arrived. Fllwing is the weight maintenance dne fr accunt classes IILMCH & IILMHA and fund id IAFD10005 cmbinatin, Value Categry Tenr Categry PPO categry Amunt Saving / current slab Weight Tenr accunt Days Mnths Years Weight Acceleratr Pack Prduct Catalgue Page 11 f 12

12 Oracle Financial Services Sftware Limited Oracle Park Off Western Express Highway Gregan (East) Mumbai, Maharashtra India Wrldwide Inquiries: Phne: Fax: Cpyright [2007], [2014], 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 12 f 12

ORACLE FLEXCUBE Accelerator Pack 12.1 Product Catalogue Islamic Term Deposits Accelerator Pack Product Catalogue Page 1 of 12

ORACLE FLEXCUBE Accelerator Pack 12.1 Product Catalogue Islamic Term Deposits Accelerator Pack Product Catalogue Page 1 of 12 ORACLE FLEXCUBE Acceleratr Pack 12.1 Prduct Catalgue Islamic Term Depsits ORACLE FINANCIAL SERVICES Acceleratr Pack Prduct Catalgue Page 1 f 12 Table f Cntents Overview & Objective... 3 Prduct catalgue...