ORACLE FLEXCUBE Accelerator Pack 12.2 Product Catalogue Islamic Term Deposits Accelerator Pack Product Catalogue Page 1 of 15
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1 ORACLE FLEXCUBE Acceleratr Pack 12.2 Prduct Catalgue Islamic Term Depsits ORACLE FINANCIAL SERVICES Acceleratr Pack Prduct Catalgue Page 1 f 15
2 Table f Cntents Overview & Objective... 3 Prduct catalgue Mudarabah Term Depsit Business Scenari Synpsis Detailed Cverage Accunt class IATDFX Rule Cverage - IPTD Prduct IPTD Additinal Infrmatin Mudarabah Term Depsit with Sweep Business Scenari Synpsis Detailed Cverage Accunt class ISWPTD Rule Cverage - IPTD Prduct IPTD Additinal Infrmatin Islamic Term Depsit with rate chart allwed Business Scenari Synpsis Detailed Cverage Accunt class - IATDFL Rule cverage - IPFL Prduct IPFL Additinal Infrmatin Islamic Term Depsit Other maintenances Pay-in parameter maintenance Clse mde fr TD UDF maintenance Islamic weight maintenance MIS class cde maintenance Acceleratr Pack Prduct Catalgue Page 2 f 15
3 Overview & Objective Islamic Depsit is based n the Shariah cntract f Mudarabah. In Mudarabah, interest is nt paid, instead prfits will be shared. This is similar t hw venture capitalists invest in cmpanies. They take a percentage stake f the cmpany in return fr capital. All management resides with the startup / Mudarib. It prvides higher prfit rate cmpared t nrmal saving accunt. Islamic Term depsit mdule f FLEXCUBE supprts prcessing f prducts like, Nrmal term Depsits Mudarabah Depsits Optins available t autmate peridic prcesses such as : Accrual f term depsits Liquidatin f term depsits n liquidatin frequency defined Prfit rate update t accunts after PDM Generatin f advices Maturity prcessing and transfer f prceeds Different types f prfit prducts are supprted like, Fixed and Flating rates. Acceleratr Pack Prduct Catalgue Page 3 f 15
4 Prduct catalgue 1 Mudarabah Term Depsit This Mudarabah depsit has all the basic features that are needed fr a retail custmer t pen a depsit accunt. Each accunt which is a part f this ffering cntributes its balance maintained t a Fund in rder t get the prfit. 1.1 Business Scenari It allws pening Investment depsits accunts fr a fixed perid f time r term and is gverned by the Mudarabah cntract with the bank. Target audience / Beneficiaries: Individuals wh wants t pen an investment depsit accunt. 1.2 Synpsis Bking f depsit with fixed amunt fr fixed perid Withdrawal is allwed befre the end f the depsit term Prfit sharing weightages are assigned based n the tenrs, depsited amunt and prfit payut perid Cash reserve rati is allwed 1.3 Detailed Cverage Accunts can be pened in GBP & KWD currency s, as cnfigured at IC prduct Depsits pened under this accunt class will, by default, have Tenr as 5 mnths Mudarabah prfit rate f 10% Maximum tenr f 5 years Cash reserve rati f 20% Defer liquidatin f 6 days Fund ID maintained fr prfit distributin Accunt will get clsed n maturity Mnth end depsit is supprted Maturity date will be adjusted t previus wrking day based n hliday treatment Depsits cntribute in prfit and prfit will be paid ut n defer liquidatin days 1.4 Accunt class IATDFX Accunt Class > Preferences Accunt Type Depsits Prfit Charges Track Accrued Prfit Prfit Calculatin Balance Basis Mnthly average balance Mudarabah Fund Id IAFD10042 Exclude frm Distributin N Cash Reserve Rati 20 Acceleratr Pack Prduct Catalgue Page 4 f 15
5 Accunt Class > Depsits Accunt Details Rllver N Clse On Maturity Allw Partial Liquidatin Allw Partial Liquidatin with Amunt Blck Mve Prfit T Unclaimed N Mve Principal t Unclaimed N Mnth end maturing depsit Repick accunt class tenr n rllver N Rate Chart Allwed N Hliday Calendar Branch hliday Hliday Mvement Previus wrking day Mvement acrss mnths Previus / next wrking day f same mnth Mnth end depsit Adhc hliday Applicable depsit tenr Prfit sharing Minimum tenr Default tenr Maximum tenr Generate advice Original tenr 3 mnths 5 mnths 5 years Accunt Class > Depsits amunt currency wise limits Currency Min amunt Max amunt GBP KWD Rule Cverage - IPTD IC Rule Features SDE s UDE DEPOSIT_AMOUNT, DAYS, YEAR MUDARABAH_RATE Rule Definitin Frmula N Accrual Type Cnditin Result 1 Bk DEPOSIT_AMOUNT>0 (DEPOSIT_AMOUNT* DAYS*MUDARABAH_ RATE)/(YEAR*100) Acceleratr Pack Prduct Catalgue Page 5 f 15
6 1.6 Prduct IPTD Prduct Cde Descriptin Prduct Type Prduct Grup Prduct grup descriptin Depsit Bking accunt type IC Rule IC Rule descriptin Prduct Features IPTD Fixed rate TD Prfit IP Prfit and Charges Y Prfit IPTD Depsit simple interest Prduct Preference Prduct Level Accrual Frequency Mnthly Payment Methd Bearing Liquidatin cycle 3 mnths Defer Liquidatin Defer liquidatin days 6 Liquidatin at Mnth ends Back Value Recalculatin Flag Start frm accunt Opening N Special cnditin nly Accunt Classes Mapping Rate change n prfit Liquidatin Accunt class Currency Rate change n Rllver IATDFX GBP N N N IATDFX KWD N N N Cntinue Variance n rllver 1.7 Additinal Infrmatin Weight maintenance is dne fr Mudarabah fund id and Mudarib fee f 10% is maintained Prfit GL s are maintained fr the fund id Acceleratr Pack Prduct Catalgue Page 6 f 15
7 2 Mudarabah Term Depsit with Sweep This Mudarabah depsit has all the basic features that are needed fr a retail custmer t pen a depsit accunt. Each accunt which is a part f this ffering cntributes its balance maintained t a Fund in rder t get the prfit. The Sweep parameters when enabled facilitates custmer t use the TD accunt as Cver accunt fr CASA accunt and if the balance available in the linked CASA accunt is less than the debit amunt, then it breaks the depsits bked and sweeps in mney t savings accunt. 2.1 Business Scenari It allws pening Investment depsits accunts fr a fixed perid f time r term and is gverned by the Mudarabah cntract with the bank. Target audience / Beneficiaries: Individuals wh wants t pen an investment depsit accunt. 2.2 Synpsis Bking f depsit with fixed amunt fr fixed perid Withdrawal is allwed befre the end f the depsit term Sweep parameters sweep-in and reverse sweep-in are enabled at accunt class. Prfit sharing weightages are assigned based n the tenrs, depsited amunt and prfit payut perid Cash reserve rati is allwed 2.3 Detailed Cverage Accunts can be pened in GBP & KWD currency s, as cnfigured at IC prduct Depsits pened under this accunt class will, by default, have Tenr as 5 mnths Mudarabah prfit rate f 10% Maximum tenr f 5 years Cash reserve rati f 20% Defer liquidatin f 6 days Fund ID maintained fr prfit distributin Accunt will get clsed n maturity Mnth end depsit is supprted Maturity date will be adjusted t previus wrking day based n hliday treatment Depsits cntribute in prfit and prfit will be paid ut n defer liquidatin days 2.4 Accunt class ISWPTD Accunt Class > Preferences Accunt Type Depsits Prfit Charges Track Accrued Prfit Prfit Calculatin Balance Basis Mnthly average balance Mudarabah Fund Id IAFD10042 Exclude frm Distributin N Acceleratr Pack Prduct Catalgue Page 7 f 15
8 Cash Reserve Rati 20 Accunt Class > Depsits Accunt Details Rllver N Clse On Maturity Allw Partial Liquidatin Allw Partial Liquidatin with Amunt Blck Mve Prfit T Unclaimed N Mve Principal t Unclaimed N Mnth end maturing depsit Repick accunt class tenr n rllver N Rate Chart Allwed N Hliday Calendar Branch hliday Hliday Mvement Previus wrking day Mvement acrss mnths Previus / next wrking day f same mnth Mnth end depsit Sweep Functinality Adhc hliday Applicable depsit tenr Prfit sharing Minimum tenr Default tenr Maximum tenr Generate advice Original tenr 3 mnths 5 mnths 5 years Accunt Class > Depsits amunt currency wise limits Currency Min amunt Max amunt GBP KWD Rule Cverage - IPTD IC Rule Features SDE s UDE DEPOSIT_AMOUNT, DAYS, YEAR MUDARABAH_RATE Rule Definitin Frmula N Accrual Type Cnditin Result 1 Bk DEPOSIT_AMOUNT>0 (DEPOSIT_AMOUNT* DAYS*MUDARABAH_ RATE)/(YEAR*100) Acceleratr Pack Prduct Catalgue Page 8 f 15
9 2.6 Prduct IPTD Prduct Cde Descriptin Prduct Type Prduct Grup Prduct grup descriptin Depsit Bking accunt type IC Rule IC Rule descriptin Prduct Features IPTD Fixed rate TD Prfit IP Prfit and Charges Y Prfit IPTD Depsit simple interest Prduct Preference Prduct Level Accrual Frequency Mnthly Payment Methd Bearing Liquidatin cycle 3 mnths Defer Liquidatin Defer liquidatin days 6 Liquidatin at Mnth ends Back Value Recalculatin Flag Start frm accunt Opening N Special cnditin nly Accunt Classes Mapping Rate change n prfit Liquidatin Accunt class Currency Rate change n Rllver IATDFX GBP N N N IATDFX KWD N N N Cntinue Variance n rllver 2.7 Additinal Infrmatin Weight maintenance is dne fr Mudarabah fund id and Mudarib fee f 10% is maintained Prfit GL s are maintained fr the fund id Sweep in is enabled at ISWPIN accunt class Acceleratr Pack Prduct Catalgue Page 9 f 15
10 3 Islamic Term Depsit with rate chart allwed This flating rate depsit has all the basic features that are needed fr a retail custmer t pen a depsit accunt. Prfit rate is applied t depsits based n LDMM rate chart defined. Depsits under this ffering dn t cntribute t prfit sharing. Prfits are paid t depsitrs based n the rate chart defined based n accunt class, currency and tenr cmbinatin. 3.1 Business Scenari Depsitrs wuld enjy variable prfit rates fr fixed perid f time. Target audience / Beneficiaries: Individuals r crprate wh wants t pen depsit accunt. 3.2 Synpsis Withdrawal is allwed befre the end f the depsit term Depsitrs will get returns n their investments Rllver with different tenr is supprted Mnth end depsit is supprted Prfit applicability based n LDMM rate chart 3.3 Detailed Cverage Depsit can be pened in GBP, KWD and EUR currencies, as cnfigured at IC prduct Depsits pened under this accunt class will, by default, have: Tenr as 3 mnths Rlled ver n maturity date Prfit sharing as N Rate chart allwed as Accunt can be rlled ver n maturity date with principal amunt r principal + prfit based n user instructins Term Depsit Certificate generatin as instrument is supprted Maturity date will be adjusted t next wrking day autmatically based n the hliday treatment defined Cntinue variance n rllver is allwed TD rate cdes ISTDPFTGBP, ISTDPFTEUR and ISTDPFTKWD are maintained and attached t prfit rate UDE, MUDARABAH_RATE Prfit will be applied t depsits based n the rate chart tenr in mnths, as cnfigured at accunt class Acceleratr Pack Prduct Catalgue Page 10 f 15
11 3.4 Accunt class - IATDFL Accunt Class > Preferences Accunt Type Depsits Prfit Charges Track Accrued Prfit Prfit Calculatin Balance Basis NA Mudarabah Fund Id N Exclude frm Distributin N Accunt Class > Depsits Accunt Details Rllver Clse On Maturity N Allw Partial Liquidatin Allw Partial Liquidatin with Amunt Blck Mve Prfit t Unclaimed N Mve Principal t Unclaimed N Repick accunt class tenr n rllver Mnth end maturing depsit Rate Chart Allwed Rate chart tenr Mnths Hliday Calendar Bth branch and currency hliday Hliday Mvement Next wrking day Mvement acrss mnths Allwed Adhc hliday Change maturity date and advice Applicable depsit tenr Depsit tenr Prfit sharing N Minimum tenr 1 mnth Default tenr 3 mnths Maximum tenr 10 years 3.5 Rule cverage - IPFL Accunt Class > Depsits amunt currency wise limits Currency Min amunt Max amunt GBP EUR KWD IC Rule Features SDE s UDE DEPOSIT_AMOUNT, DAYS, YEAR MUDARABAH_RATE(UDE type Rate cde as rate) Acceleratr Pack Prduct Catalgue Page 11 f 15
12 Rule Definitin Frmula N Accrual Type Cnditin Result 1 Bk DEPOSIT_AMOUNT>0 (DEPOSIT_AMOUNT* DAYS*MUDARABAH_ RATE)/(YEAR*100) 3.6 Prduct IPFL Prduct Cde Descriptin Prduct Type Prduct Grup Prduct grup descriptin Depsit Bking accunt type IC Rule IC Rule descriptin Prduct Features IPFL Rate chart allwed depsit Prfit IP Prfit and Charges Y Prfit IPFL Rate chart allwed depsit Prduct Preference Prduct Level 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 Special cnditin nly Accunt Classes Mapping Rate change n prfit Liquidatin Accunt class Currency Rate change n Rllver IATDFL GBP N IATDFL KWD N IATDFL EUR N N Cntinue Variance n rllver 3.7 Additinal Infrmatin Issuer cde TDDP is maintained and attached t stck catalg cde Stck Catalg cde TDCERT is maintained Acceleratr Pack Prduct Catalgue Page 12 f 15
13 4 Islamic Term Depsit Other maintenances Varius maintenances t be dne fr TD are listed in this sectin. 4.1 Pay-in parameter maintenance In case f pay-in thrugh GL r Cash, the general ledger cde needs t be maintained in pay-in parameters screen. It is mandatry in case pay-in t term depsits is dne thrugh GL r cash. The fllwing pay-in types have been maintained Branch Cde GL Cde Pay-in ptin General ledger Cash 4.2 Clse mde fr TD Clse mde needs t be maintained, in case premature redemptin f depsit accunts. In case f premature redemptin thrugh mdes like accunt, GL, the prduct maintained at the clse mde is used fr prcessing the redemptin. Fllwing are the clse mdes maintained Clse mde FT GL Prduct FTRQ TDRG 4.3 UDF maintenance UDF s ISTDUDF1 and ISTDUDF2 are attached t TD accunt creatin screen. 4.4 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 term depsit accunt classes IATDFX & ISWPTD and fund id IAFD10042 cmbinatin, Value Categry Tenr Categry PPO categry TD Amunt slab Weight Tenr Weight Days Mnths Years Weight Acceleratr Pack Prduct Catalgue Page 13 f 15
14 4.5 MIS class cde maintenance MIS class cde needs t be maintained and captured during funding the prfit GL. MIS class cde, FUND Id is maintained and the fund ID, is attached t the class cde. Acceleratr Pack Prduct Catalgue Page 14 f 15
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