T4 AA Retail PDF

AA Retail
Objectives – Retail Accounts
In this course, you will be introduced to Retail Accounts with the mention of some
basic and important Property Classes
 After completing this learning unit, you will be able to:
 Understand the product overview of T24 Accounts and Retail Accounts
 Identify Application specific parameter tables for designing a Retail Account

product
 Configure a Retail Account Product
 Perform user activities and transactions related to the Product
Slide 2
Overview of Arrangement Accounts
Slide 3
Accounts - Product Management
Product
Savings and Current products with eligibility checks based on customers.
Types
Interest & Fixed, Floating, Periodic interest with/without compounding.

Charges Supports Transaction based, Event based and Periodic charges.
Operational Event based restrictions such as restrictions on number of transactions can be

Restrictions defined for every product.
Overdraft Overdraft facilities can be provided and monitored.
Tax on
Tax conditions can be defined for interest and Charges on accounts.
Interest
Account
Dormancy of accounts and reactivation supported.
Inactivity
Slide 4
Account Management
Account
Customer accounts (Savings, Current)
types
Account
Check digit validations, IBAN compliant, Legacy account number storage facility.
Numbering
Multi-
Accounts are currency specific which can handle multi-currency transactions.
Currency
Image and Customer Images, Signature and Documents required to open accounts can be
Document collected and stored as a digital copy.
Balance Stores various balances – ledger balance, cleared balance and working balance .
updates All of these are updated online.
Accruals and
Capitalization Accrual and capitalization of debit and credit interest can be defined.
Slide 5
Arrangement Accounts – Product overview
Eligible
Negotiable
products /
Default product
Non
Negotiable
Arrangement
Conditions
Arrangement
Account
Product
Tracking
Conditions
Arrangement
Account
Non Tracking
Limit Credit Debit

Balance Balance
Eligibility
Interest Interest
expense Income
Arrangement
Account
Charge Charge
Income Income
Slide 6
Arrangement Account Dependencies – Product Related
 Arrangement Accounts have Customer type of accounts

 Suggested sub categories are
 Current accounts 1000 – 1999
 Vostro accounts 2000 – 2999
 Others 3000 – 3999
 Nostro accounts 5000 – 5999
 Savings accounts 6000 – 6499
 Savings pass book 6500 – 6999
 Provision accounts 7000 – 7999
 Contingent accounts 9000 – 9999
Slide 7
Model Bank Product Groups and Products
Slide 8
Workshop - 1 Creation of an Accounts Arrangement
 Use User Menu > Retail Operations > Account Arrangement

> Product Catalog > Retail Accounts > Current Account
Group> Current Account
 Create an Arrangement for your Customer for the above
Product
 Limit amount as 50,000
 Commit the Arrangement and get it authorised
 Transfer funds into the Account
Slide 9
Workshop – 1- Solution Creation of an Accounts Arrangement
Slide 10
Slide 11
Slide 12
Slide 13
Understanding the Arrangement Overview
User Menu > Retail Operations > Account Arrangement > Account Arrangement
Label Description
Arrangement Contract reference
Account Arrangement Account Reference
Product Product of the Account
Slide 14
Label Description
Limit Reference Limit Product and Serial
Number
Manage Limit Set to Yes if AA manages the
underlying Limit
Single Limit Indicates that this limit cannot
be shared by other
arrangements. Will always be
Yes if AA manages the LIMIT
Slide 15
Label Description
Ledger Cleared Balance + Uncleared
Balance funds
Cleared All authorised Credits and
Balance Debits (only cleared funds=no
future exposure dated credits
included)
Working Cleared Balance +
Balance Unauthorised Debits
Available Limit Overdraft Available
Overdraft
Slide 16
Label Description
Financial AVAILABLE Balance multi-
Summary value set from ACCOUNT
Record
Locked Funds Enquiry on
AC.LOCKED.EVENTS and
“New” Icon
Accruals Interest accruals till date
Slide 17
Label Description
Activity Log Lists all Current and Pending Activities
Recent Txns Recent transactions on the account in

descending order
Enquiries General Account related enquiries
Slide 18
Label Description
New Activity Facilities in Accounts and
amendment of existing Activity
Slide 19
Arrangement Accounts
Application specific Parameters
Slide 20
AA - Tables used for building components
 Tables used for building re-usable components :
 AA.PROPERTY.CLASS
 AA.PROPERTY
 AA.PERIODIC.ATTRIBUTE.CLASS
 AA.PERIODIC.ATTRIBUTE
 AA.ACTIVITY.CLASS
 AA.ACTIVITY
 AA.PRD.DES.<PROPERTY.CLASS>
 AA.SOURCE.CALC.TYPE
 AA.PROPERTY.CLASS.ACTION
Slide 21
AA - Tables used for building components
 Released by Temenos:
AA.PROPERTY.CLASS
AA.PERIODIC.ATTRIBUTE.CLASS
AA.PROPERTY.CLASS.ACTION
AA.ACTIVITY.CLASS
 Tables set up during implementation:

AA.PROPERTY
AA.PRD.DES.<PROPERTY.CLASS>
AA.PERIODIC.ATTRIBUTE
AA.SOURCE.CALC.TYPE
These could be used across several products
Slide 22
AA.PROPERTY.CLASS
 Released by TEMENOS to define Actions and Attributes for any

underlying Property and Product condition
Type
Attributes controlled by TYPE Field Property
Class
CCY, OPT.CCY, DATED, MULTIPLE, MERGE,
FORWARD.DATED, TRACKING, NON.TRACKING ,
TRACKING.ONLY, ARRANGEMENT, TRIGGER Product Line Balance
Prefix
ACCOUNTS, DEPOSITS, Pre-fixes for Balance

INTERNET.SERVICES, types controlled by
LENDING, BALANCE.PREFIX
PROXY.SERVICES, Field
PRODUCT.BUNDLE,
OTHER CUR, ACC, DUE,
AGE, EXP, UND,
PAY, UNC, TOT
Slide 23
AA.PROPERTY
 Property is a named type / instance of a Property Class

 Property is attached to Product Group from where it is derived in a Product
 Multiple properties of the same Property Class can be used in a Product, if
so allowed in the Property Class
FORWARD.DATED
PRODUCT ONLY
Future dated properties appear alongside
Details defined at Product level cannot be
current condition as multiple tabs for
viewed or amended at Arrangement Level
negotiation at a later date
RESIDUAL ACCRUAL
SUSPEND Property When interest accrued is greater than
Property can suspend income. Applicable for
Type amount made due, excess amount moved to
INTEREST and CHARGE properties
RES<INTEREST>
SUSPEND OVERDUES
CREDIT
Property can suspend overdue incomes
Null Property (Charge) is payable to customer
Option possible only if SUSPEND also opted
Slide 24
AA.PRD.DES.<Property Class>
 To be defined for every Property class, by associating Id of the

respective Property class
 AA.PRD.DES.ACCOUNT, AA.PRD.DES.INTEREST
 Possible to create different Product Conditions for a Property Class

 Also possible to create different dated records for Product Condition
 Fields of a Product condition represent attributes of the associated

Property Class
Product
Category condition for
Account
Posting
Restrict Currency
Slide 25
AA.PRD.DES.<Property Class>
 Product conditions have to be Date specific if Property class is set so
 Can be currency specific if the corresponding Property Class allows it

 For product allowing multi currencies, product conditions for each of the
currencies must be defined
 Currency can be optional - e.g. Charge Product condition
 Currency and Effective Date form part of Product condition Id

 FIXED.RATE-USD-20100101; FIXED.INTEREST-GBP-20100101
 Possible to set conditions with future value date
Attributes controlled by TYPE

Field Type Property
Class
CCY, OPT.CCY, DATED
Slide 26
 This application holds information on actions performed in each

PROPERTY CLASS
 The information covers:

 Actions for each PROPERTY CLASS
 Accounting entry generated or not for the action
 Product Line
Slide 27
Arrangement Accounts Property
Classes, Properties and Product
Conditions
Slide 28
AA Accounts Property Classes - Overview
Eligibility Interest Charge Payment Rules
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity Periodic

Presentation Mapping Charges charges
Slide 29
Account Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Maintenance Activity
Activity Charge Override
Mapping Periodic Charges Charges
Slide 30
Customer Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 31
Limit Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 32
Interest Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 33
Settlement Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 34
Charge Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 35
Charge Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 36
Eligibility Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 37
Payment Schedule Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 38
Closure Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 39
Change Product Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 40
Activity Restriction Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 41
Accounting Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 42
Balance Availability Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 43
Activity Charges, Charge Override Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Maintenance Activity Charges
Activity
Periodic Charges Charge Override
Mapping
Slide 44
Periodic Charges Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Maintenance Activity Charges
Activity
Mapping Periodic Charges Charge Override
Slide 45
Activity Mapping Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 46
Balance Maintenance Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 47
Tax Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 48
Officers Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 49
Payment / Payout Rules Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 50
Customer, Officers & Activity Mapping
Slide 51
Customer – Arrangement features
 Customer entered into New Arrangement Activity

 This customer becomes the Primary Owner
 Must be a valid record in CUSTOMER application
 Primary owner automatically defaulted in the list of other owners
 User can add other owners manually
 Primary owner can be changed:

 Through update Customer activity
 Can be replaced with any valid T24 Customer
 Limit sanctioned to Primary owner alone can be used in Arrangement

 When Primary Owner is changed, Limit Reference checked, validated
Slide 52
CUSTOMER Property Class
Limit Interest Charge Eligibility
Payment
Account
Schedule
Customer Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity Balance

Presentation Mapping Charges Availability
Slide 53
Customer - Property Class
 Customer Property class is mandatory

 Customer Property cannot be set as Tracking and it is Dated
Property
Class
CUSTOMER
Attributes: Balance Prefix

NIL
DATED, NON-TRACKING
Slide 54
Customer – Product Condition
 Product conditions can be set regarding Owner, Primary Owner, Other

Party, Role and Notes
 Typically set as Negotiable at Arrangement level
 Primary owner in Arrangement used for Accounting, Reporting and Limit
 Other owners can be added at arrangement level
 Other parties (Guarantor, Co-signatory etc ) associated to an Agreement, to
be defined in AA.PARTY.ROLE
Owner1
Owner
Primary Owner
Owner 2
Other Party
Arrangement Other Party

Other Party
Slide 55
Example Customer Product Condition
Slide 56
OFFICERS Property Class
Payment
Customer
Schedule
Officers Closure
Accounts
Activity
Account
Restriction
Tax Accounting

Slide 57
Officers - Property Class
 Property for Officers can be set as Tracking
 Update Action possible

 Will not generate Accounting entry
Property
Class
OFFICERS

NIL
DATED, TRACKING
Slide 58
Officers – Product Condition
 Primary Officer
Main Officer responsible for the Product or Arrangement
 Other Officers
Other Officers have specified role
Both of above must be a valid Officer in DEPT.ACCT.OFFICER file
 Roles for Other Officers

A Role for each Officer can be defined
Must be a valid role defined in AA.OFFICER.ROLE Virtual Table
 Notes for Other Officers
 Default value is Account Officer defined in CUSTOMER record
Slide 59
Example - Creating a new Officers Product Condition
Slide 60
Activity Mapping – Links
 Transaction Type
AC
 Maps to Transaction Code
 Using FT.TXN.TYPE.CONDITION
FT.TXN.TYPE.CONDITION
 Which maps to Activity

 Using AA Activity Mapping 258
213
 Similar mappings for Activity Mapping

 AC.CASH.POOL
(AC.SWEEP.TYPE) and TELLER
(TELLER.TRANSACTION) ACCOUNTS-CREDIT-ARRANGEMENT
ACCOUNTS-DEBIT-ARRANGEMENT
Slide 61
ACTIVITY.MAPPING Property Class
Payment
Customer
Schedule
Activity Mapping Closure
Accounts
Activity
Account
Restriction
Tax Accounting
Activity Activity Balance

Officers
Presentation Charges Availability
Slide 62
Activity Mapping - Property Class
 Values cannot be viewed or edited at arrangement level
 Arrangement level values track changes to Product condition
Property Class
ACTIVITY.MAPPING
Attributes:
Balance Prefix
DATED, MERGE NIL
TRACKING.ONLY
Slide 63
Activity Mapping - Product Condition
 Transaction
 Payments and withdrawals in Account arrangements initiated through
Account based applications like FT, TELLER
 Transactions triggered through Transaction Codes
 Transaction Codes of other applications that trigger AA activities specified
 Transaction Activity
 Activity performed in an arrangement when a movement with associated
Transaction Codes is posted from FT, Teller etc.
 Default Activities for unmapped Transaction Codes of Debits and

Credits can be specified
Slide 64
Example - Creating Activity Mapping Product Condition
Slide 65
Quiz – Answer the following
1. Accounts Arrangements include Customer Accounts, Internal Accounts,

contingent accounts as also Nostro and Vostro accounts
a) True
b) False
2. Eligibility conditions help in creating different Product Catalogues for

different customers
a) True
b) False
3. It is possible to Issue / Manage cheques, cards, statements, passbook,

notice accounts through Arrangement Overview
a) True
b) False
Slide 66
Accounts
Slide 67
ACCOUNT.CLASS
 Records in this table are Account or Class or PL type
 Account type records required for automatic debit / credit by the

System while operating modules like FX, LC, MM, LD, DC etc.
 Internal accounts in local currency should be opened for them
 Class type records required for validation of specific class of accounts

 SAVINGS
For issuing pass book instead of statements and for operating Notice
savings accounts
 NOSTRO, VOSTRO
To identify Nostro and Vostro accounts for various purposes – Opening
Accounts, NOSTRO.ACCOUNT, Standard settlement instructions etc
 PL type records required for automatic debit / credit while operating

modules like DX
Slide 68
Arrangement References
 Arrangement Number
 Definitive, Unique reference of the Arrangement
 Account Number
 Is typically the reference number given to the Customer (i.e., Cheque Book)
 Internally, is also the GL reference of the Arrangement
 Structure and validation configured in COMPANY
 Alternate Account numbers

 External/Alternate references to the Account component of the arrangement
i.e., Legacy Reference, IBAN etc.
 Structure and validation configured in ALT.ACCT.PARAMETER
 AA.ARRANGEMENT.ACTIVITY Reference
 Key to an “Activity” done on an arrangement.
Slide 69
ALT.ACCT.PARAMETER
 Possible to reference T24 account numbers through alternate account

numbers also
 ALT.ACCT.PARAMETER Table should be set up to indicate conditions for

check digit and size of alternate account numbers
 In ACCOUNT.PARAMETER, ALTERNATE.ACC.IDS Field to be set as Y

and ALTERNATE.ID Field to be used to indicate access identifiers defined
in ALT.ACCT.PARAMETER
 Alternate account number should be loaded into ALT.ACCT.ID Field in

individual accounts
 System automatically maintains the old and corresponding new numbers in

ALTERNATE.ACCOUNT file
Slide 70
ALT.ACCT.PARAMETER settings
Slide 71
ALT.ACCT.PARAMETER in Arrangement
Slide 72
Constraints /Maintenance
Slide 73
Constraints– REFERAL
 Used to establish conditions under which details of an Account or

entries over an Account should be referred to the Account Officer
 COB report containing details of transactions and balances to be referred
 Conditions could be set up to cover

 One or more transaction codes or ranges thereof
 Specific movements like Debit, Credit and Reversal
 Minimum and / or maximum amount of movements
 Combination of transaction code, movement type and amount
Miscellaneous debits reversed for amounts above USD 500
 Balances at the close of business for accounts that had movements during
the day
i.e. Closing Debit balances greater than USD 50,000 created today
 Amounts indicated are for indicated currency. If account is in a

different currency, amount converted to referral currency and checked
Slide 74
Constraints – POSTING.RESTRICT
 Posting restrictions can be defined to restrict Debit, Credit or all entries

 Any pre defined POSTING.RESTRICT record can be specified to an
Account to produce suitable overrides
 Post no debits, Post no credits, Pending closure etc.
 Does not affect interest and charges debited/credited to an account
 May be assigned to Customers and / or Accounts as required

 Entries meeting specified conditions will require due approval of an override
 Id can be a 2 digit number

 Certain ranges of Codes have predefined purpose
 80-89 to indicate PENDING CLOSURE types. Accounts which will be
closed soon, but not to be closed automatically
 90-99 to indicate AUTOMATIC CLOSING types. Accounts which should be
closed automatically as soon as Balances are zero
Slide 75
Account Maintenance - Inactive Flag & Reset Inactive Flag
 Inactive marking in account
 When an account remains inactive without any debit/credit transactions

from Customer side, treated as in active, Entries accepted after overrides
 Period in months for deciding inactivity defined in INACTIVITY.MONTHS

Field in COMPANY table
 System updates INACTIV.MARKER Field as Y in Account accordingly
 Marker can only be reset through ACCT.INACTIVE.RESET application

 Id is Inactive Account number
Slide 76
Account - Property Class
 ACCOUNT Property Class is Dated

 CUR, UNC, UND are the allowed Balance Prefix
Property
Class
ACCOUNT

CUR, UNC,
DATED UND
Slide 77
Account – Product Condition
 Category
 Accounts use Customer type of Account Category codes
 Range 1000 to 9999
 Must be Non-contingent, avoid ranges meant for Nostro, Vostro
 Posting Restrict
 Pre defined Posting restrictions used
 Debits or Credits or all transactions could be set to attract overrides
 Account Title, Short Title and Mnemonic

 Account Title for descriptive details
 Short title used for enrichment
 Mnemonic is used as alternate Id
Slide 78
 Currency
 Currency of Arrangement
 Defaulted from Currency of New Arrangement Activity
 Cannot be changed after authorisation of arrangement
 Base Date Type

 Option to determine calculation start date
Agreement - will start calculations from date of arrangement
Start - Will start from First or initial deposit date
 Securities Valuation enquiry

 Portfolio number at arrangement level enables Securities valuation enquiry
 Stores the identification number of SEC.ACC.MASTER
Slide 79
 Bus Day Centres

 Holiday table of country / region to determine non-working days
 Date Convention
 Schedule for non-working days
Forward; Backward; Forward Same Month; Calendar
 Date Adjustment
 Value - All schedule events calculated on Value Date of Arrangement
 Period - Every schedule event calculated on previous schedule date
 Not applicable when Date Convention is Calendar
 Anniversary
 Stores the Anniversary Date of the arrangement
Slide 80
Account – Other features
 REFERAL
 Must be an existing code in REFERAL table
 Account details / details of entries referred in EOD report
 MANDATES
 Supported through EB.MANDATE application
 Currently supported only for Corporates, not Retail
 INACTIVE MONTHS
 Period in months for deciding inactivity
 Can be set as negotiable at arrangement level
Slide 81
Account – Other features
 Account is required for all financial Arrangements

 Holds the Principal balance of the Arrangement
 Origination Reference
 Possible to indicate external reference identifier
 Customer Reference, Account Reference
 Allows changes to the following Account attributes:

 Account Title
 Short Title
 Posting Restriction
 Mnemonic
Slide 82
Workshop – Creating a Referal condition
 Using the command line, create a REFERAL condition to refer

accounts with debit balance of / equivalent to USD 50,000 and above
 These balances are due to movements of the day
 Get the record authorised
Slide 83
Solution - Creating a Referal condition
Slide 84
Workshop – Creating a new Account product condition
 Use Admin Menu > Product Builder > Product Conditions > ACCOUNT
 Create a new Product Condition
 Set the following rules:
Use Category Code 6001
Set Base Date Type to AGREEMENT
Fill in ACCOUNT.TITLE and SHORT.TITLE Fields with title names you
desire
CATEGORY must be NON-NEGOTIABLE
Use the Referral code created in the earlier w/s
All other attributes, by default are Negotiable
Slide 85
Solution - Creating a new Account product condition
Slide 86
Overdraft Limits
Slide 87
Limits
 Limit has to belong to the Primary Owner
 Manual creation of Limit

 Limit Reference input at arrangement level
 Limit managed by T24 Limits module
 Auto creation of Limit for simple Overdrafts

 Limit Reference input at Product level
 Managed by AA
Slide 88
Account – Automatic Creation of Limits
 Auto creation of Overdraft Limits possible only for Accounts product line
 Limit amount, expiry date, review frequency etc. captured from AA
 Change of limit amount, expiry date, review frequency done through AA

Activity
 Specified limit granted for future utilization
 Possible to decouple system created limit record

 Done through ACCOUNTS-DECOUPLE-LIMIT Activity
 To be managed outside AA after decoupling
Slide 89
Creating Limits for Account Arrangements
Input at Product level
Input at Arrangement Level
Yes
Input Limit Ref,
‘NEW’ in Limit serial
and Amount
Creating Auto
Limits
for
Account
Arrangements
New
Single Limit is YES
No.
Existing Limit
Limit auto created,
Enter managed through AA
Limit Ref &
Validated against Serial
Limit application.
If no limit exists, Exp. date,
Single Limit is YES Rev. freq. opt.
Error thrown
Slide 90
Limit Property Class
Account Interest Charge Eligibility
Payment
Customer
Schedule
Limit Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 91
Limit – Property Class
 Limit Product for the Arrangement indicated in LIMIT.REFERENCE

Field
 Specified at Arrangement Level if complex limit defined
 Specified at Product Level for automatic simple overdraft Limit
Property
Class
LIMIT

NIL
DATED, NON.TRACKING
Slide 92
Limit – Product Condition
 Limit Reference
 Input Limit record ID in arrangement
 Limit should relate to Primary Owner
 Single Limit
 Limit for exclusive use of only one arrangement account
Option Yes indicates for only one arrangement, No indicates for use by
any arrangement accounts of same customer
 Netting
 Option to allow credit balance of an arrangement to be added to overdraft
limit for use in other arrangement accounts using the same Limit
 Applicable only for shared Limit
 An Arrangement can be created even without attaching a Limit to it

 Override will be generated when DISBURSE activity is applied
Slide 93
Limit Product Condition for Auto Creation of Limits
 Limit Serial
 Input ‘NEW’ for automatic creation at product level
 Limit Amount
 Amount up to which an account can be overdrawn without override
 Expiry date input is optional
 Review Frequency input is optional
 Single Limit alone is allowed for automatically created limit
 Manage Limit
 Yes indicates limit to be managed by AA
Slide 94
Workshop – Creating a Shared Limit Product Condition
 Use Admin Menu > Product Builder > Product Conditions > LIMIT
 Limit can be shared. Netting allowed
 Set LIMIT.REFERENCE attribute negotiable
 All other attributes are not negotiable
Slide 95
Solution - Creating a Shared Limit Product Condition
Slide 96
Workshop – Creating Automatic Overdraft Limit Condition in AA
 Use Admin Menu > Product Builder > Product Conditions > LIMIT
 Create a new Limit Product Condition
 Single Limit alone permitted
 Limit Reference Product is 100
 Limit serial number as 01
 All attributes are negotiable
Slide 97
Solution – Creating Automatic Overdraft Limit Condition in AA
Slide 98
1. It is possible to capture alternate account numbers, by mapping them to

Account records and defining them in Availability product condition
a) True
b) False
2. When an Accounts arrangement has a posting restriction ‘Post no

credit’ defined, no interest credits will be posted to the account
a) True
b) False
3. When a simple limit is auto created for overdraft accounts, it is

managed by AA, until it is decoupled / till expiry date
a) True
b) False
Slide 99
Interest
Slide 100
Features of Interest in AA Accounts
 Multiple Interest Properties

 Each interest component is represented by an Interest Property
 Interest Types
 Fixed interest
 Floating interest
 Negative interest rate possible on accounts in credit
 Interest Calculation
 Average, highest, lowest for a period
 Interim interest capitalisation possible
 Possible to specify a minimum interest amount to be charged
Slide 101
Features of Interest – Tiered Interest rates
 Tiered interest Rates

 Interest rates can be defined as a single tier, or multiple tiers
 With multiple tiers, rate varies according to balance amount
Level – rate is level across the whole balance
Banded – rate varies between bands
Mixed – combination of LEVEL and BAND for different balance amounts
e.g. Level rate of 5% upto 50,000
Level rate of 5.5% upto 1,00,000
Band Rate of 6% after 1,00,000
 Each tier can have a different rate type
 Each tier can have different margins
 Minimum and Maximum rates for each tier can be defined
Slide 102
Debit Interest link to Limit
 Possible to link the first tier amount of debit interest to LIMIT record
 Enabled only if the LIMIT is managed by AA
 Field REFER.LIMIT set to ‘YES’
 Not more than 2 tiers permitted
 Field TIER.AMOUNT in 1st tier left blank
Slide 103
Interest Adjustments - Reverse & Replay
 ACTIVITY.TYPE in AA.ACTIVITY.CLASS determines activities that will

not trigger reverse / replay of processed activities
 NOREPLAY – Activity will not be reversed / replayed by any Activity
 NOREVERSE – Activity cannot be manually reversed by User
 NORR – Activity will not trigger reverse / replay of other activities
 Possible to adjust Interest through reverse and replay mechanism
Slide 104
Interest Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 105
Interest – Property Class
 Multiple Interest properties can be defined

 Interest property is tracking
Property
Class
INTEREST
Attributes:
Balance Prefix
DATED, CCY, MULTIPLE, ACC, DUE
TRACKING,
FORWARD.DATED
Slide 106
Interest – Product Condition
 Rate
 Fixed rate input directly
 Floating index – variable base rate tied to BASIC.INTEREST
 Margin Type
 Single / Multiple
 Margin Operand
 Add / Subtract from floating rate
 Margin Rate
 Spread
Slide 107
 Tier Maximum Rate

 Applicable for floating rate
 Specify a maximum rate for the tier
 Tier Minimum Rate

 Applicable for floating rate
 Specify a minimum rate for the tier
 Rate Tier Type

 Single – Single rate for entire balance amount
 Level – Interest at different rates, based on balance amount
 Band - Rate of each tier to be applied to the portion of the balance that falls
within the tier
Slide 108
 Tier Amount
 Relates to RATE.TIER.TYPE Field
 Amounts can be entered if either BAND or LEVEL selected
 Tier Percent
 Relates to RATE.TIER.TYPE Field
 Allows a percentage of the principal to be allocated a specific rate or be
linked to a rate table
 Either Tier Amount or Tier Percentage can be opted for Band based
calculation, not both
Slide 109
 Interest Day Basis

 To calculate interest based upon several different day basis types
 Each T24 Interest Day Basis type is represented as a numerator and
denominator
A (360/360); B (366/360); C (366/366); D (360/366); ……
 Accrual Rule
 Include first day for interest accrual
 Include last day for interest accrual
 Include first and last days for interest accrual
 Calculates accrued interest, posts amount using associated accounting rule
 Compounding
 DAILY, WEEKn, Mnn, TWMTH, Nnnn
Slide 110
 Calculation Threshold
 Minimum balance to be maintained below which interest will not be
calculated
 Negative Rate
 Option to set negative interest rate on accounts in credit
 Can set negative interest or it may result due to higher negative spread
 If set to NO or NONE and interest rate falls below “0”, Zero interest will be
accrued
 If set to YES, negative rate can be input, negative margin can make the
final rate more negative
 If set to BLOCK MARGIN, negative effect due to margin not allowed
Slide 111
 Refer Limit
 To be marked as Yes, if debit interest link to Limit desired
 Only if Limit is managed by AA
 Links the first tier amount of debit interest to LIMIT record
 Minimum Interest Amount

 Minimum interest to be charged for an Arrangement
 Compared with accrued amount, if less than minimum, waived / charged
 Waive Minimum Interest

 If set as Yes, no amount charged, otherwise, minimum amount charged
 On Activity recalculate Rate

 Interest can be set to reset on an Activity, in field Recalculate
 System checks the rate table BI, retrieves a new rate
Slide 112
Workshop – Fixed Interest settings
 Use Admin Menu > Product Builder > Product Conditions > INTEREST
 Create a new Product Condition for fixed interest type
 Default interest rate is 6%, negotiable not below 5.5% but can go upto 6.5%
with an override if maximum rule is broken
 Use Interest Day Basis “B”
 Interest accrual to include first and last day
 Tier Type is SINGLE
 Attributes are negotiable by default
Slide 113
Solution – Setting a fixed Interest rate
Slide 114
Workshop – Floating Interest settings
 Create a new Product Condition for floating interest type
 Use BASIC.INTEREST Table 1
 A default margin of 0.5%, negotiable down but not below 0.25%. Also make
the upper limit 0.75% but can be allowed beyond with an override
 Minimum and Maximum rates are 7% and 9% respectively
 Use Interest Day Basis “C”
 Interest accrual to include Last Day
 Tier Type is SINGLE
 Negative interest effect due to margin not allowed
Slide 115
Solution – Floating Interest rate settings
Slide 116
Workshop – Overdraft Interest settings
 Create a new Product Condition for Overdraft Account with auto Limit
 Default interest rate for level 1 is 5%,
 Default interest rate for level 2 is 5.5%
 Use Interest Day Basis “B”
 Interest accrual to include first and last day
 Refer Limit to be marked as Yes
Slide 117
Solution – Setting an Overdraft Interest rate
Slide 118
Solution – Setting an Overdraft Interest rate
Slide 119
Charges
Slide 120
Summary of Charge Property Classes
 CHARGE: To define calculation of Charge ($ or %)
 When will there be a charge:

 In PAYMENT.SCHEDULE
 When certain activities happen as defined in ACTIVITY.CHARGE
 When rule is broken, defined in
• ACTIVITY.RESTRICTION
• Periodic Rules of Product Condition
 CHARGE.OVERRIDE: Allow calculated charge amounts to be

modified by the user
 PERIODIC.CHARGE: Charges may occur throughout a period (i.e.,

month), only charged at a set frequency (i.e. at month end)
Slide 121
Charge and Activity Charges – Other features
 Activity Charges
 Charge applied when Activity is performed
 Can be billed or deferred or capitalised
 Scheduled Charges
 Charge applied on a particular day according to payment schedule e.g.
Deposits Annual fee
 Can be billed or deferred or capitalised
 Rule break Charges

 Charge applied when a periodic rule is broken
 Periodic rules defined in certain product conditions
e.g. Restrict maximum number of redemptions per year
Slide 122
Charge – Other features - Scheduled Charges
• Frequency defined
Defined in a Payment • Charge Property Attached
Schedule • Payment Schedule attached
to Product
• Flat Amount – Annual Fees

• Calculated on a base amount
Type of Charge • Base amount type defined in
AA.SOURCE.CALC.TYPE
• Depends on AA Account
Balance
• Payment Schedule Property
In Product with its condition
• Charge Property (defined in
Condition Payment Schedule) with its
condition
Slide 123
Charge – Other features - Break Rule Charges
Defined in specific
Product Conditions • Under Periodic Rules tab
Based on failure of • Not maintaining minimum

balance in a period of 1 month
Periodic Attributes • Linked to a Charge Property
• Charge Property (defined in

In Product Periodic Rules tab) with a
linked condition defined
Condition • Fixed or calculated on a base
amount
Slide 124
Activity Charges – other features
• Create New Arrangement

ACTIVITY BASED • Closure of an Account
• International withdrawals
• Links an Activity to a
Charge Property
Separate • Flat Charge
Property Class • Charge based on Balance
Type In
AA.SOURCE.CALC.TYPE
• Activity Charge Property
with its condition
In Product • Charge Property (linked
Condition to Activity Charge
Product Condition) with
its condition
Slide 125
Charge link to Limit
 Possible to link a charge for an arrangement to LIMIT record
 Enabled only if the LIMIT is managed by AA
 Field REFER.LIMIT set to ‘YES’
 Used when there are tiered charges
 Field TIER.AMOUNT in 1st tier left blank
Slide 126
CHARGE and ACTIVITY CHARGES Property Classes
Term Amount Interest Charge Payment Rules
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 127
Charge – Property Class
 Multiple Charge properties allowed
 Currency is optional
Property
Class
CHARGE
Attributes:
Balance Prefix
DATED, OPT.CCY, ACC, PAY,
MULTIPLE, TRACKING, DUE
FORWARD.DATED
Slide 128
Charge – Product Condition
 Charge Type
 Fixed or Flat
Charge amount should be set
USD 50; GBP 30, etc
 Calculated
Calculated on specified balances
2% on Transaction amount, 3% on Commitment amount, etc
 Charge Currency
 Currency of charge property
 Charge will be calculated for the charge property
 Amounts calculated rounded based on Currency of CHARGE property
 Can be different from currency defined in Id of the Product condition
 Tiered charges
 Level, Banded, Groups
Slide 129
 Calculation Type
 Flat
Charge amount should be set - USD 50; GBP 30, etc
Zero charge acceptable
 Percentage
Calculated on specified balances - 2% on Transaction amount
 Unit
Multiplication factor to arrive calculating charge - USD 2 per transaction
 Charge Rate
 Rate at which charge calculated
 Mandatory for Percentage Calculation Type
 Charge Amount
 Amount of charge
 Amount will be multiplied when Calculation type is UNIT
 Mandatory for Flat and Unit Calculation Type
 Minimum and Maximum Charge Amount can be set for each tier
 Cannot be input for Flat Calculation type
Slide 130
 User defined Charge Routine

 Can be added to Activity Restriction / Activity Charges product condition
 Useful when Banks desire different / complicated methods of charge
calculations
 Calculation Threshold
 Base amount below which charge amount will not be calculated
 Free Amount
 Deduction allowed on calculated charge
e.g. reduce USD 10 from calculated charge
 Minimum Charge Amount

 Minimum Charge to be specified for an Arrangement
 Compared with computed charge amount, if less than minimum, waived /
charged
 Waive Minimum Charge

 If set as Yes, no amount charged, otherwise, minimum amount charged
Slide 131
Activity Charges – Property Class
 Define charge property when specific activities take place

 It is DATED, FORWARD.DATED and TRACKING type
Property
Class
ACTIVITY.
CHARGES
Attributes:
Balance Prefix
DATED, TRACKING, NIL
FORWARD.DATED
Slide 132
Activity Charges – Product Condition
 Activity attracting charge

 Activity Id on which charge would be applied
 Any number of activities can be multi-valued, defined
 Charge Property
 Charge property triggered when activity is triggered
 Period
 Method
 Due
 Defer
 Capitalise
Slide 133
Activity Charges – Settlement Related
 Settle Activity
 Repayment activity to be triggered when there is UNC
 Auto Settle
 Option Yes will fetch settlement account
 If option No, will not settle through settlement property
 Settlement of Activity Charges process:

 Grouped under payment type ACTCHARGES
 Refers to AUTO.SETTLE field of respective Activity Charges property
 If set as Yes, fetches Settlement Account corresponding to Payment Type
 Settle activity, a secondary activity, defined for settling from UNC
 Activity charges property designed to settle out of UNC first, if available
Slide 134
Workshop – Setting a Fixed Charge
 Use Admin Menu > Product Builder > Product Conditions > CHARGE
 Set the following rules
Fixed Charge of USD 10
 All Attributes are negotiable by default
Slide 135
Solution – Setting a fixed charge
Slide 136
Workshop – Setting of a Calculated Charge
Charges in USD
No charges for transaction amount up to 3,000
2% for transaction amount up to 20,000 with a minimum of 100
Additonally1.5% for transaction amount beyond 20,000 and up to 50,000
with a minimum of 500
Additionally 1% for transaction amount over 50,000 subject to a minimum
of 800 and maximum of 2,000
Slide 137
Solution – Setting of a Calculated Charge
Slide 138
Workshop – Setting up Mixed Charges
Charges to be collected in USD.
Flat Charge of 5 for transaction amount upto 500.
Flat Charge of 10 for transaction amount upto 5,000.
Additionally 0.20 % for transaction amount beyond 5,000 and upto 25,000
Additionally 0.10% for transaction amount over 25,000
All Attributes are not negotiable by default.
Slide 139
Solution – Setting up Mixed Charges
Slide 140
Workshop – Setting up Activity Charges
 Use Admin Menu > Product Builder > Product Conditions >
ACTIVITY.CHARGES
1) Charge to be levied when an accounts arrangement is closed
The Charge Property is ACCHARGE
This Fee is to be capitalised on occurrence of activity
2) Charge to be levied during International ATM withdrawal
The Charge Property is TXNFEE
This fee is to be deferred
 All Attributes are not negotiable by default
Slide 141
Solution – Setting up an Activity Charge
Slide 142
Charge Override Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity Charge

Presentation Mapping Charges Override
Slide 143
Charge Override – Property Class
 This property is dated and non-tracking
 Property appears in an arrangement after an Activity charge is triggered

and validated
Property
Class
CHARGE.
OVERRIDE
Attributes:
Balance Prefix
DATED, TRIGGER, NIL
NON. TRACKING
Slide 144
Charge Override – Product Condition
 Charge Amount
 User input activity triggers an activity charge / periodic charge
 On committing the activity, system defaults charge amount in arrangement
 Charge Actual Amount

 Value could be Null, Zero or a numerical value
 Charges are waived completely if value 0 is input
 Default charge as in CHG.AMT would be levied if this field is left blank
 User can modify this charge by inputting a new charge amount, if left
negotiable
 If more than one charge for the same activity is attached, user can
modify / waive all
 Charges collected during payout, redemption etc. cannot be modified or

waived
Slide 145
Workshop – Setting a Charge Override
CHARGE.OVERRIDE
 Set the following:
Charge Property - ACCCHARGE to be indicated under Property
Charge Type is periodic
Slide 146
Solution – Setting up a Charge Override
Slide 147
Periodic Charges Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 148
Periodic Charges – Property Class
 This property is dated
 Currency is optional
Property
Class
PERIODIC.
CHARGES

NIL
DATED, OPT.CCY
Slide 149
Periodic Charges features
 Possible to define individual charge properties and deferred activity

charges
 Overall Minimum / Maximum can be defined
 Can be waived unconditionally
 Can be waived based on Conditions
 Possible to waive based on Conditions and apply an alternate Charge
Slide 150
Types of Periodic Charges
 Various types of Periodic charges that can be levied
 Based on count of activities in a period

 Activity Id and charge property to be defined
 Charge fee based on activity count
 Source calculation type set as ‘COUNT’ in Product designer
 Based on highest balance in a period

 Charge fee can be fixed / calculated
 Source calculation type set as ‘DRMAXIMUM’ in Product designer
 Based on sum total of transaction amounts

 Charge fee can be a percentage on transaction amount
 Source calculation type set as ‘TXNAMOUNT’ in Product designer
Slide 151
Periodic Charges – Product Condition
 Currency
 Mandatory input
 Can be different from arrangement currency
 Can be multi-valued for minimum / maximum
 Minimum / Maximum
 Can be input currency wise
 Waive charge
 To be marked as Yes for total waiver
 Charge / Activity
 Charge property and activity to be defined
 Can be multi-valued
Slide 152
Periodic Charges – Product Condition
 DEFERRED CHARGE
 Activity charge / Rule break charge / Activity restriction charge
 APP.METHOD set to DEFER in respective properties
 Charge property that are deferred and to be made due can be multi-valued
 INC.ALL.DEF.CHGS
 Instead of defining the above field
 On the scheduled date whether all the deferred charges to be made due
 To be marked as Yes
 On scheduled date system clubs all deferred charges to raise a single bill
 Both attributes can be set either at product level or at arrangement level
 Record in AA.CHARGE.DETAILS created
Slide 153
Workshop - Setting up a Periodic Charge
PERIODIC.CHARGES
 Create a new Product Condition for collecting periodic charges
 Set the following:
Currency for charge is USD
A minimum charge of 15 and a maximum charge of 65 to be set
Charge Property CHEQUEWD to be attached to activity ACCOUNTS-
ENCASHCHQ-ARRANGEMENT
(for this charge, input COUNT in source balance)
HIGHESTDEBIT to be defined for next charge property
(for this charge, input DRMAXIMUM in source balance)
Slide 154
Solution – Setting up a Periodic Charge
Slide 155
Quiz - Match the Following
1. Activity Charge a) ACCOUNTS-NEW-

ARRANGEMENT
2. Scheduled Charge b) Not Currency Dependent
3. Break Rule Charge c) Payment Schedule
4. Charge Property Class d) Currency dependent Optional
5. Activity Charge Property Class e) Periodic Rules
Slide 156
Tax Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 157
Tax – Property Class
 Multiple Tax properties allowed
 Currency and Dated
Property
Class
TAX

DUE, AGE
DATED, CCY, MULTIPLE
Slide 158
TAX – Product Condition
 Property Class
 Tax can be collected currently for Interest and Charge
 Tax Code
 Tax table with rate for computation of tax for associated property class
 Either TAX.CODE or TAX.CONDITION allowed
 Tax Condition
 Valid TAX.TYPE.CONDITION
 Either TAX.CODE or TAX.CONDITION allowed
Slide 159
TAX – Product Condition
 Property
 Property on which Tax is calculated
 Tax can be collected currently for Interest and Charge properties
 Property Tax Code

 Tax table with rate for computation of tax for associated property class
 Either PROP.TAX.CODE or PROP.TAX.COND allowed
 Property Tax Condition

 Valid TAX.TYPE.CONDITION
 Either PROP.TAX.CODE or PROP.TAX.COND allowed
Slide 160
Workshop – Setting Tax on Savings Account Interest
 Use Admin Menu > Product Builder > Product Conditions > TAX
 Tax to be collected on Savings Account Interest
 Property for Savings Account Interest is CRINTEREST
 For withholding tax, property tax condition is WHT
 All attributes are not negotiable
Slide 161
Solution - Tax on Savings Account Interest
Slide 162
Payment Schedule – Product Condition
 Recalculating Payment Schedule

 Possible to be scheduled
 Possible due to occurrence of certain activities
 Scheduled Recalculation
 Automatically at predefined frequency
weekly, monthly, yearly, etc.
 Activity to trigger recalculation like:

 Update Charge
 Change Interest
Slide 163
Payment Schedule, Settlement of
Dues and Payment Rules
Slide 164
PAYMENT.SCHEDULE Property Class
Payment
Customer
Schedule
Payment Schedule Closure
Accounts
Activity
Account
Restriction
Tax Accounting

Officers
Slide 165
Payment Schedule – Property Class
 Defines Rules for paying Interest, funding Principal and collecting

Charges for an Accounts product
 Product condition is Dated, Forward dated

and Currency specific
Property
Class
PAYMENT.
SCHEDULE
Attributes:
Balance Prefix
DATED, CCY, NIL
FORWARD.DATED
Slide 166
 Payment Types:
 ACTUAL - Repayment of calculated property classes - Interest, charge
 Payment Methods :
 DUE - Amount is Due to or from customer
 CAPITALISE - Capitalise the amount
 PAY – Amount paid to customer
 Payment frequency
 Frequency at which payments will be made due
 Applicable for Payment Type
 Due frequency
 Not applicable for Accounts product, payment frequency defaulted
Slide 167
 Actual amount - for Adhoc payments, actual amount for each payment
date to be defined
 Overrides the calculated amount
 Start Date – Indicates actual payment start date

 Defaulted from Base date, if start date not indicated
 End Date - Indicates actual payment end date
 Number of Payments can be indicated instead of End date
 Start date and End date fields can accept not only an absolute date but
also a ‘relative’ date
Slide 168
Defining relative dates
 Relative date in Start Date or End Date field based on events:

 START – Initial Deposit of arrangement
 MATURITY – Maturity of an arrangement
 RENEWAL – Renewal date for an arrangement
 Relative Start or End date for Start / Maturity / Renewal

 Can relate to past or future event
 Values can be chosen from calendar or entered directly
 If entered directly, input into the fields START.DATE and END.DATE

can be:
 R_XXXX + 2D - (Relative event XXX and offset by 2 Calendar days
forward)
 R_XXXX - 5Y - (Relative event XXX and offset by 5 Years backward)
 D_20001130 - ( Exact date specified as 30th Nov 2000)
Slide 169
 Recalculation types
 Payment – payment amount will be changed
 Residual – residual amount will be changed
 Nothing – payments and residual will be unchanged. Recalculation

frequency should be specified
 Progressive Payment – Increase / decrease in calculated amount
 Term – Term will be altered (not applicable for Accounts)
Slide 170
 Bill Type indicates whether bill is produced for payment / information

 Payment – Payments made to customer like Interest
 Expected – Principal amount to be received from customer
 Bill can be produced prior to due date

 If interest is to be paid to customer on the 10th of every month and the bill is
to be issued on the 9th, this field will be set as ‘1’
 Combining due amounts into a single bill

 When amounts become due on the same date
 Notices are also to be issued on the same date
 Either a single bill can be generated or bills can be split to allow payments
from / to separate accounts
Slide 171
Payment Schedule – Billing features
 Billing
 Make due activity
 All due amounts are billed - Principal, interest and charges
 Bills are generated whether payment is scheduled or ad-hoc
 Generates bill on due date or in advance by a specified no. of days
 Chaser fee charge can be linked to the activity
 User can also specify amount of repayment

When amount is manually input, system will not calculate the amount
Slide 172
Workshop - Scheduling Quarterly Interest Payment
PAYMENT.SCHEDULE
 Interest to be paid quarterly on the first Monday
 Interest payment to start from a day after the initial deposit is made
 Commit the record
Slide 173
Solution – Scheduling Quarterly Interest Payment
Slide 174
Workshop - Scheduling Payment for Current Account
PAYMENT.SCHEDULE
 Create a new payment schedule Product Condition for Current accounts
 Interest to be set for payment semi-annually for credit interest and monthly
for debit interest
 Periodic charge – LEDGERFEE to be scheduled monthly
 Both interest and charge to be made due
 Bills must not be combined
 Commit the record
Slide 175
Solution – Scheduling Payment for Current Account
Slide 176
Workshop - Scheduling Payment for Premium Account (Bundle)
PAYMENT.SCHEDULE
 Create a Payment Schedule Product Condition for Premium account

products
 The product has both debit and credit interest
 This product also has a bundle interest with a different credit interest rate
 All Interest payments are payable monthly and to be capitalised
 All attributes to be set as negotiable
Slide 177
Solution – Scheduling Payment for Premium Account (Bundle)
Slide 178
Settlement of Dues
Slide 179
Settlement of Dues / Payout
 Multi-value set of fields for Receive and Payout transactions
 Receive definition based on Payment Types and related activity
 Payout definition based on Property and related activity
 Arrangement reference as PAYIN.ACCOUNT / PAYOUT.ACCOUNT

 Enables settlement of dues / pay-out using another arrangement / account
 Can either be a T24 account or an arrangement account
 PAYIN.ACTIVITY/PAYOUT.ACTIVITY - APPLYPAYMENT action only
 PAYIN.SETTLEMENT field to be set as Yes
Slide 180
Settlement – Activity Class – PAY-IN Activity
 PAYIN-ACTIVITY
 Activity to source the payment amount from Pay-in Account
 To be left blank if sourced from non-arrangement Account
 If sourced from Arrangement Account:
ACCOUNTS-DEBIT-ARRANGEMENT
DEPOSITS-APPLYPAYMENT-PO.DEPOSIT
 PAYIN-SETTLE-ACTIVITY
 Activity triggered to apply the payment received
 ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYMENT.RULES
 DEPOSITS-APPLYPAYMENT-PR.DEPOSITS
 LENDING-APPLYPAYMENT-PR.REPAYMENT
Slide 181
Settlement – Activity Class – PAY-OUT Activity
 PAYOUT-ACTIVITY
 Activity triggered for applying payment in Pay-out Account
 To be left blank if paid into a non-arrangement Account
 If paid to an Arrangement Account:
ACCOUNTS-CREDIT-ARRANGEMENT
DEPOSITS-CREDIT-ARRANGEMENT
 PAYOUT-SETTLE-ACTIVITY
 Activity triggered to pay the property PAYBALANCE
 ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYOUT
 DEPOSITS-APPLYPAYMENT-PO.DEPOSITS
Slide 182
SETTLEMENT Property Class
Customer Interest Charge Limit
Balance
Settlement
Availability
Account Closure
Accounts
Officers Eligibility
Tax Accounting
Activity Activity Activity Activity

Presentation Mapping Charges Restriction
Slide 183
Settlement – Property
 Allows select settlement instructions for Deposits, Loans and

Arrangement Accounts
 Links a mandate defined in the Direct Debit (DD) module to an

arrangement account
Property Class
SETTLEMENT

NIL
DATED
Slide 184
Settlement Instruction - Receive
 Meant for Funds coming into the Arrangement
 Payment Type
 Link between Payment Schedule and Settlement property
 Can be sub valued for different types of Interest, Charges
 Pay-In Settle Activity

 Activity run to receive funds, only APPLYPAYMENT allowed
 Fetches Settlement Account corresponding to Payment Type in Payment
schedule
 Pay-In Activity
 Activity run to pay out funds when the receiver is an Arrangement
 Active – can be set as ‘No’ to:

 Stop a settlement instruction at arrangement level
Slide 185
Settlement – Receive Funds
 Could be either from a T24 ACCOUNT module (Internal / Nostro) or

from a T24 Arrangement or from DD mandate
 Receiving Fund examples:

 Making an Initial Deposit on an ACCOUNT product
 Payment of Interest / Charges
 Settlement for Activity Charges

 Grouped under payment type ACTCHARGES
 Refers to AUTO.SETTLE field of respective Activity Charges property
 If set as Yes, fetches Settlement Account corresponding to Payment Type
 Activity charges property designed to settle out of UNC first, if available
Slide 186
Settlement – Receive funds – ACCOUNT.DEBIT.RULE
 Insufficient funds in Account indicated for a Payment Type
 Settlement process controlled by ACCOUNT.DEBIT.RULE
 Pay-In rule Field has values Full, Partial, None
 Full – Debit Pay-In account with full bill amount, irrespective of funds
 If funds available partially, overdraft created for short amount
 Partial – Pay-In account debited only to extent of funds available
 None – Pay-In account not debited unless funds are available to settle
the bill in full
Slide 187
Settlement Instructions – Pay Out
 Meant for payouts from an Arrangement
 Pay out examples:

 Pay-out of AA Deposit at maturity
 Interest Liquidation
 Could be to another T24 Account or T24 Arrangement
 Settle activity looks in settlement property based on the Property or

Property Class, fetches corresponding settlement instructions
 Pay-Out Settle Activity

 Activity run to pay funds, only APPLYPAYMENT allowed
 Payout Activity
 Activity run when the receiver of funds is another arrangement
Slide 188
Settlement Processing in Different Currencies
 Arrangement bills in one currency can be settled by:

 Another arrangement in same currency / another currency
 T24 Account in same currency / another currency
 Settlement processing is possible as follows:
Source Settlement Due bills

Arrangement Arrangement
LCY FCY -
FCY LCY -
FCY Same FCY -
FCY Different FCY -
LCY - FCY
Slide 189
Settlement of Direct Debits
 Settlement Method for payment - option is DD
 DD Transaction code must be mapped to AA activity through

ACTIVITY.MAPPING Product Condition
 Payment rules for DD set in APPLY.PAYMENT field in

PAYMENT.SCHEDULE Product condition
 Payment Type
 Can hold any payment type defined in payment schedule
 DD.DDI record status should be AVAILABLE
Slide 190
Workshop – Settlement Instructions
SETTLEMENT
 Create a new Product Condition:
Payment Type Pay-in settle activity

Interest Only ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYMENT.RULES
Charge ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYMENT.RULES
Property Class Pay-out settle activity

Interest ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYOUT
 Active to be marked as YES for all of the above
 Pay-in rule to be marked as Partial for Charge payment type
Slide 191
Solution – Settlement instructions
Slide 192
Payment Rules Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 193
Payout Rules Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity

Payout Rules
Presentation Mapping Charges
Slide 194
Payment Rules & Payout Rules – Property Classes
 Both define Rules for handling a payment

 Payment rules – Used when Customer pays to Bank
 Payout rules – Used when Bank pays to Customer
Property Class
PAYMENT RULES
PAYOUT RULES
Attributes:
Balance Prefix
DATED, MULTIPLE, NIL
TRACKING
Slide 195
Payout Rules & Payment Rules – Product Condition
 Payment application type

Specifies how the payout / payment rules will apply to an arrangement
 Payments application order

 Oldest first – earliest one followed by later bills one after the other
 Oldest last – the latest one first and then the previous one, so on
 Property sequence
 Specifies the property sequence in which balances will be affected during
repayment
 Must be a valid property of Interest, Charge or Principal amount
Slide 196
Payout Rules Definition
 Funds in UNCACCOUNT / CURACCOUNT can be withdrawn
 Payment application type can hold values: CURRENT.PAY, PAY and

DEPOSIT.RULE.PAY
Field Withdrawal from Withdrawal

CUR balance from UNC
balance
PROP.APPL.TYPE BALANCE BLANK
APPLICATION.TYPE CURRENT.PAY PAY
Slide 197
Workshop – PAYMENT RULES Setting
PAYMENT.RULES
 Choose Application Type as BILL.PROPERTY
 Earliest bills to be paid first
 Pay off Bills in the following order:
Properties : DRINTEREST
 Remainder Activity - ACCOUNTS-CREDIT-ARRANGEMENT
 Bills not to be processed before due date
Slide 198
Solution - PAYMENT RULES Setting
Slide 199
Workshop – PAYOUT RULES Setting
PAYOUT.RULES
 Choose Application Type as DEPOSIT.RULE.PAYOUT
 Pay off Bills by Property in the following order:
Properties : CRINTEREST
Earliest bills to be paid first
Slide 200
Solution – Payout rules setting
Slide 201
CHANGE.PRODUCT Property Class
Payment
Customer
Schedule
Change Product Closure
Accounts
Activity
Account
Restriction
Tax Accounting

Officers
Slide 202
Change Product - Overview
 Property class is Date specific and TRACKING Type
Property
Class
CHANGE.
PRODUCT

NIL
DATED, TRACKING
Slide 203
Change Product – Product Condition
 Allowed Product
 Products to which switch is allowed
 If left blank switch is permitted to all products within the product group
 Scheduled Switch of existing Arrangements to a different product

 CHANGE.DATE Field - Switch on a specific date
 CHANGE.PERIOD Field - Switch after a particular period
Possible to define a date, relative to customer’s birth date
 PRIOR.DAYS Field - Switch in advance to Switch Date by these days
Change product event happens in advance of Schedule Date
 Switch can be Automatic or Manual
Slide 204
Change Product – Product Condition
 Change Activity
 Activity applicable is CHANGE.PRODUCT
 Change to Product
 Product to which arrangement to switch to on a date or a period
 Existing Arrangements can be changed to a different product

 This can be done manually or it can be scheduled
 Majority of conditions are overwritten by the new Product defaults

 Exceptions are: Customer, Account, Term Amount and Limit
Slide 205
Change Product – Product Status
 Status of the product specified in AA.ARRANGEMENT
 PROCESSED – when arrangement moves from old product to new

product, status of old product is updated as PROCESSED
 CURRENT – Status indicates arrangement is running on the current

product
 SCHEDULED – If the product is scheduled for a future date, status is

updated as SCHEDULED
Slide 206
Workshop – Change Product relative to birth date of Customer
CHANGE.PRODUCT
 Change period is 6 months from the birth date of the customer
 Set ACCOUNTS-CHANGE.PRODUCT-ARRANGEMENT activity for

Change activity
Slide 207
Solution – Change Product relative to birth date of Customer
Slide 208
Balances and Availability
Slide 209
Dates in Accounting Entries
 Booking date
 Date on which accounting entry is generated.
 In a live situation, Booking date is System run date
 Value date
 Date on which entry is to be given value for interest purposes
 Can be input while originating transaction or defaulted from
TRANSACTION Table
 Exposure date
 Date on which entry can be drawn against
 Present in Credit entries or Debit entries which are reversals of Credit
entries
 Can be input while originating transaction or defaulted from TRANSACTION
Table
Slide 210
Account Balances
 AA Balances
 CURBALANCE – Ledger Balance (EB.CONTRACT.BALANCES)
 Online Cleared balance

 Values of all authorised entries over the Account
 Except any credit or reversal debit entries with future exposure dates
 Working balance
 Value of cleared balance and unauthorised debit entries. Useful for limits
 Online Actual balance

 Online cleared balance and credit entries with future exposure date
 Available balance
 Maintained as a ladder to show date wise cash flow in an account, includes
Forward dated entries produced by contract applications and STO
Slide 211
Balances
Slide 212
AA.SOURCE.CALC.TYPE
 Source calculation
 Fields CALC.START.DAY & CALC.END.DAY defines days for
calculation period
 Source calculation Types:
 DAILY – Value dated balance, not supported for Charge
 AVERAGE – Average balance over the Interest / Charge period
 HIGHEST – Highest absolute balance over the Interest / Charge period
 LOWEST – Lowest absolute balance over the Interest / Charge period
Slide 213
AA.SOURCE.CALC.TYPE
 MONTHLY
 Applicable only for Interest
 Calculated balance for each month, not supported for Charge
 MONTHLY Options:
 Average Monthly – similar to average, average balance split by month
 Highest Monthly – similar to highest, highest balance split by month
 Lowest Monthly – similar to lowest, lowest balance split by month
 PROPERTY
 Based on Property, calculated on highest / lowest / average / daily balances
 TXN.AMOUNT
 Based on Activity, calculated on transaction amount
Slide 214
Payment
Customer
Schedule
Balance
Closure
Availability
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 215
 Balance Availability Property Class is Dated and Tracking
 Can define settings for available balance updates and credit check
 Can setup Notice conditions
Property Class
BALANCE.
AVAILABILITY

NIL
DATED, TRACKING
Slide 216
BALANCE.AVAILABILITY Property Class
 Fills in for ACCT.GROUP.CONDITION on the following aspects

 Notice Accounts
 Credit Check
 Available Balance Update at Product level
 Field NOTICE.WITHDRAWAL to record advance notice from Customer
Slide 217
Balance Availability – Notice Withdrawal
 Possible to set up Notice Savings accounts in which withdrawals above

specified amounts need agreed notice periods
 NOTICE.AMOUNT Field to indicate maximum local currency amount

that can be drawn without notice
 NOTICE.PERIOD Field specified in days, weeks, months or year
 NOTICE.AVAILABILITY Field specify the period for which funds will be

kept available after the notice period - in days, weeks, months
 E.g. Notice of 1 month after which funds will be kept available only for 5
working days. If amount is not drawn within this period, fresh notice is
required to be given
 Notice of withdrawal recorded through NOTICE.WITHDRAWAL
Slide 218
Balance Availability – Available Balance
 Through CREDIT.CHECK Field, Available balance or Working balance

could be set to be checked for overdraft or limit checking
 Other options available are AVAILFWD, AVAILWORK and FORWARD
 Available holds unauthorised and authorised transactions
 Working ignores unauthorised credits and future authorised credits
 Available Balance update field

 Any unauthorised entry to be included in Available balance
 Debits, Credits, Both and None are choices
Slide 219
Workshop – Balance Availability, Notice Settings
BALANCE.AVAILABILITY
 Set the following rules:
Notice amount is 50000
Notice period required is 3 days
Balance kept available for 2 days
Credit check to be made on available balance for both debits and credits
All other attributes, by default are Negotiable
Slide 220
Solution - Balance Availability, Notice Settings
Slide 221
Eligibility
Slide 222
Eligibility
 Eligibility requirements for products can apply to:

 Customer level products (e.g. Relationship Pricing or Internet Services)
 Traditional “financial” products (e.g. loans, accounts, deposits)
 Eligibility checking enables:

 Ability to specify eligibility criteria at the level of each product
 Ability to evaluate if a customer is eligible for a particular product
 Frequency of eligibility requirement checking:

 For some products, only once when the product is taken out
 Rechecked during the life of the arrangement
Customers who are no longer eligible (e.g. they are no longer resident)
may need to be moved to another product
Slide 223
Types of Eligibility
 Eligibility criteria defined at individual product level

 Based on customer characteristics / attributes
 Defined for a product in the product designer

 Returns an error / override if eligibility evaluation fails
 If no rules are defined, the product is available for all
 Types of eligibility:
 Customer must be less than 18 (student)
 Customer must be over 18, a local resident, full time employed
 Customer must be a corporate local resident
 Customer must be a foreigner (Non-resident)
 Customer’s salary must be above 2M USD per annum
Slide 224
Establishing Eligibility
 Eligibility requirements typically revolve around customer information :

 Customer Type (e.g. Student, Staff, Resident, Non-Resident, Business)
 Relationship Value (e.g. their total business with the bank)
 Relationship Length (i.e. how long have they been a customer)
 Age
 Establishing eligibility
 Filter the Product Catalogue to show only the products that the customer is
eligible for
 Check the customer’s eligibility during “New Arrangement” activity
 Checking of eligibility requirement

 When the product is taken out
 When the primary customer changes
 When there is a product change
 Checked / Rechecked during the life of arrangement
Slide 225
Eligibility - Features
 Eligibility Review setup at the Product / Arrangement level

 Change in Customer static can trigger an Eligibility Review during the
following Close of Business
 Periodic evaluation
 Consequences of Eligibility Review Failure

 Change Product
 Ignore – this results in logging the failure on the arrangement
Slide 226
Launch the T24 Toolbox by double clicking the icon.
Creating rules for Eligibility
Slide 227
Slide 228
Slide 229
Slide 230
Result of Eligibility Failure at Arrangement
Slide 231
Inheritance in conjunction with Eligibility
Parent
Child
Slide 232
Customer Pricing
 Example of Customer Pricing

 Parent
 Variations as different products
 Appropriate Eligibility Criteria attached to each product
Parent Product Inherit all Properties except,

Interest & Eligibility
Gold Savings Silver Savings Bronze Savings
Interest Condition 6.5% Interest Condition 5% Interest Condition 4%

Customer Salary > 100K Customer Salary 50K to 100K Customer Salary < 50K
Slide 233
ELIGIBILITY Property Class
Customer Interest Charge Settlement
Balance
Eligibility
Availability
Account Closure
Accounts
Officers Eligibility
Tax Accounting
Activity Activity Activity Activity

Presentation Mapping Charges Restriction
Slide 234
Eligibility – Property
 Based on Eligibility conditions defined, eligibility of a customer for a

product is evaluated
 Product condition is Tracking and Date specific
Property
Class
ELIGIBILITY

NIL
DATED, TRACKING
Slide 235
Eligibility
 Replaces the current functionality provided by ACCT.GEN.CONDITION
 Customer provided a choice of eligible products, under SCV
 Eligibility definition updated through Product Designer
 Eligibility validated when:

 Creating a new arrangement
 Running an enquiry
 Eligibility review / update triggered by static change in customer
 Evaluate and change product to default product based on eligibility
Slide 236
Evaluate and Change product based on Eligibility
• ACCOUNTS-EVALUATE.ELIGIBILITY-ARRANGEMENT
• Creates next schedule for eligibility review, evaluate
1 • Customer static change and periodic evaluation
• If eligibility fails either Ignore or Change Product

• Change product results in default product being chosen
2
• Updates next eligibility review schedule based on new product

• Static change / periodic evaluation triggers next evaluation
3 • Birth date change can trigger a Change Product
Slide 237
Eligibility product conditions
 Eligibility rules
 Rule applicable from Rules engine – multi value
 Eligibility Failure type – Error / override
 Review Failure Action – Change Product / Ignore
 Currency
 Currency specific rules, applicable from same Rules engine- multi value
 CCY Eligibility failure type – Error / override
 Review CCY failure action - Change Product / Ignore
 Periodic review
 Review frequency mandatory
 Static Review
Slide 238
Workshop – ELIGIBILITY Product Condition
ELIGIBILITY
 Opt for CUSTOMER.AGE.LT.18 rule and IS.LOCAL.RESIDENT rule from
the rules engine
 Both rules should throw an error if eligibility check fails
 Change Product is the option on review of eligibility for both
 Opt for static review
 Default product for Savings Account is SAVINGS.DEFAULT
Slide 239
Solution - Eligibility product condition
Slide 240
1. Which is the only balance type (Balance property) that can be marked
for a change in asset type under AC.BALANCE.TYPE
CURBALANCE
2. Which important settings can be defined in Availability Product

condition
Credit check, notice accounts and available balance updates
3. When is the eligibility of a customer checked?

During new arrangement activity for all products, and subsequently, during the
life of the arrangement for some products. Checked periodically / when a
change in customer static happens
Slide 241
Restriction of Activities and
Transaction Rules
Slide 242
Periodic Attributes Rules
Slide 243
AA.PERIODIC.ATTRIBUTE.CLASS
Property
 Released by TEMENOS to define Actions and Attributes for any Class
underlying Property and Product condition
Action
AA.PROPERTY.CLASS whose condition Periodic
uses the periodic rule Attribute
Comparison
Type Class
ACTIVITY.RESTRICTION, ACCOUNT,
CHARGE, INTEREST and TERM.AMOUNT
ACTION for AA.PROPERTY.CLASS Data Type
Routine
RECEIVE, REDEEM, INCREASE,
DECREASE ……
Comparison Types for rules defined in

EB.COMPARISON.TYPE Table
MINIMUM, MAXIMUM, +BASISPOINTS, .........

Data types allowed to use Periodic Rule ROUTINE that returns value for
are hard coded comparison routine to do comparison
from Property record. Valid entry in
AMT, PERIOD, A, D, N, R, DAO EB.API File
Slide 244
 Periodic Attribute is a named type / instance of a Periodic Attribute

Class
 Periodic Attribute is used in Product Condition
Rule that needs to be applied on a specific PR.ATTR.

period or life time of Arrangement. Is
CLASS
controlled by PERIOD.TYPE Field
PERIOD.
LIFE, INITIAL, REPEATING & ROLLING
TYPE
Periodic
Attribute
PERIOD field controls exact period for which PERIOD

Rule is defined
01D, 5M, 2Y,…
Slide 245
 Periodic Attribute is a named type / instance of a Periodic Attribute

Class
 Periodic Attribute is used in Product Condition
Rule that needs to be applied on a specific PR.ATTR.

period or life time of Arrangement. Is PERIOD.
TYPE CLASS
controlled by PERIOD.TYPE Field
LIFE, INITIAL, REPEATING & ROLLING
PERIOD field controls exact period for which Periodic

Rule is defined PERIOD Attribute
01D, 5M, 2Y,…
RULE.START Field represents Base Date ERROR /

AGREEMENT, ANNIVERSARY, RULE.START OVERRIDE
ARRANGEMENT, COOLING-OFF & START MESSAGE
RULE.ERR.MSG and RULE.OVE.MSG Fields

control generation of ERROR and
OVERRIDE messages respectively
Slide 246
Periodic Rules - Structure
Periodic Attribute Class
Property Class Comparison Type Routine
Periodic Attribute
Time Element
Periodic Rule in the Product Condition for the Property Class

Periodic Comparison
Break Result Break Charges
Attribute value
Slide 247
Periodic Attribute Class - Activity Restriction Property Class
Transaction Amount & Count related:
 TRANSACTION AMOUNT MAXIMUM - Periodic Rule to control

Maximum Transaction Amount
 TRANSACTION AMOUNT MINIMUM - Periodic Rule to control

Minimum Transaction Amount
 TRANSACTION AMOUNT MULTIPLE - Periodic Rule to control

Transaction Amount in Multiples, E.g. amounts in 100s
 TRANSACTION AMOUNT TOTAL - Periodic Rule to control Total

Transaction Amount, E.g. total amount not less than 10,000
 TRANSACTION COUNT TOTAL - Periodic Rule to control Total

Number of Transactions, E.g. not more than 2 withdrawals in a year
Slide 248
Periodic Attribute Class - Activity Restriction Property Class
Balance Related:
 MAXIMUM BALANCE
 Restrict transaction by checking any balance type, specifying an amount
 MAXIMUM BALANCE INCREASE

 Restrict increase in amount of balance type, specifying the difference
amount
 MINIMUM BALANCE
 Restrict transaction by checking any balance type, specifying an amount
 MINIMUM BALANCE INCREASE

 Restrict increase in amount of balance type, specifying the difference
amount
 MINIMUM INITIAL BALANCE

 Restrict the initial transaction, specifying an amount
Slide 249
Periodic Attribute Class - Interest & Charge Property Class
 MAXIMUM RATE - Rule for Maximum Interest Rate
 MINIMUM RATE - Rule for Minimum Interest Rate
 RATE DECREASE - Rule for Interest Rate Decrease
 RATE DECREASE TOLERANCE - Rule for Rate Decrease in %age
 RATE INCREASE - Rule for Interest Rate Increase
 RATE INCREASE TOLERANCE - Rule for Rate Increase in %age
 MAXIMUM CHARGE – Rule for Maximum Charge
 MINIMUM CHARGE – Rule for Minimum charge
Slide 250
Workshop - Periodic Attribute for Decrease in Interest Rate
 Use Admin Menu > Product Builder > Additional Settings > Periodic
Attributes > INTEREST Property Class
 Set a Periodic Attribute for decrease in Interest Rate during any 1 year
period. Rule to be applied with effect from start of arrangement
Slide 251
Solution – Periodic Attribute for Decrease in Interest Rate
Slide 252
Workshop – Periodic attribute for Minimum Credit in an Account
 Use MB Admin Menu > Product Builder > Additional Settings > Periodic
Attributes > Activity Restriction Property Class > Minimum Initial
Balance
 Set a Periodic Attribute for Minimum Initial Credit for life of the Product.
Slide 253
Solution – Periodic attribute for Minimum Credit in an Account
Slide 254
Activity Restrictions and Transaction
rules
Slide 255
Activity Restriction
 Complete restriction of Activity

 Activity cannot be run altogether
Not to allow change of Customer, Not to allow change of Product
Amount below Minimum Balance not accepted as initial deposit
 Error message is Mandatory
 Partial or conditional restriction

 Control activity but allow with an override
Allow more than 5 Debits in an Account in a year only after approving
override, Allow receipts in an Account only in multiples of 100
 Override message is Mandatory
 Periodic Rules
 Enables definition of rules with a time element
Slide 256
Activity Restriction Types
Balance Rules
• Based on balance the activity affects
Transaction Amount
• Based on transaction amount of activity
Transaction Count
• Based on transaction count of activity
Slide 257
Activity Restriction – Scheduled Interest / Charge related
 Possible to restrict activities related to scheduled Interest and Periodic

charge properties
 Property should have been defined in the Payment Schedule property
 Restrictions can be based on:

 Transaction count / transaction amount / balances
 When activity restriction rule is broken:

 Waive the Interest or Charge Property amount and apply an alternate
Interest or Charge Property
 Or apply the actual Interest amount ignoring any alternate Interest
 If the activity restriction rule is not broken:

 Waive the Interest or Charge Property amount and apply an alternate
Interest
 Or apply the actual Interest amount, ignore alternate Interest
Slide 258
ACTIVITY.RESTRICTION Property Class
Payment
Customer
Schedule
Activity
Closure
Restriction
Accounts
Activity
Account
Mapping
Tax Accounting

Officers
Slide 259
Activity Restriction – Property Class
 This Property Class allows Multiple Properties and is TRACKING type
 This Property is Product Only
 Currency and Date Specific

Property Class
ACTIVITY.
RESTRICTION
Attributes:
Balance Prefix
DATED, CCY, MULTIPLE, NIL
TRACKING,
FORWARD.DATED
Slide 260
Activity Restriction Property
Rule based
Run
Rule Activity based
Run
Rule
Property based
Slide 261
Activity Restriction product condition – Rules tab related
 Rule Name
 Any name as desired
 Any number of rules can be multi-valued
 Periodic Attribute
 Valid record from AA.PERIODIC.ATTRIBUTE
 Activity Class / Activity

 Activity class or activity to be restricted
 Balance
 Balance type on which rule should apply
 Value
 Actual value of the balance type
Slide 262
Activity Restriction product condition – Activity tab related
 Activity Class / Activity

 Activity class or activity that needs to be restricted, can be multi-valued
 Run the rule – rule created in rules tab
 Break Result – can be error / override
 Override / Error message – appropriate message to be added
 Break rule charge – charge property for collecting charges when

periodic rule is broken
 App period - Periodic charges applied at the end of this period
 App method – Periodic charges made Due / capitalise / defer
Slide 263
Activity Restriction product condition – Property tab related
 Property
 Interest / Charge properties defined in Payment Schedule
 Run the rule

 Rules created under rules tab
 Evaluation
 Break – Breaking the rule
 Satisfy – Satisfying the rule
 Evaluation Result
 Apply Interest / charge property amount
 Waive Interest / charge property amount
 Alternate Property
Slide 264
Workshop - Setting restrictions in Current Accounts
Attributes > ACTIVITY.RESTRICTION –
TRANSACTION.COUNT.TOTAL > New Condition
 Create a Periodic Attribute applicable for any one month period, in an
Arrangement to restrict total no. of transactions
Attributes > ACTIVITY.RESTRICTION – MINIMUM.BALANCE > New
Condition
 Create a Periodic Attribute applicable for life of an Arrangement to restrict
minimum balance in the account
ACTIVITY.RESTRICTION
 Define a rule for maintaining minimum daily balance of 50 under periodic
attribute MINIMUM.BALANCE and for maximum cheque withdrawals of 5.
 LEDGERFEE charge is waived when both the previously defined rules are
satisfied.
 All attributes are set as negotiable
Slide 265
Solution - Setting restrictions in Current Accounts
Slide 266
Solution - Setting restrictions in Current Accounts
Slide 267
Workshop – Setting restrictions in Notice Accounts (a)
TRANSACTION.AMOUNT.TOTAL > New Condition
 Create a Periodic Attribute applicable for monthly repeating periods starting
with calendar date to restrict total transaction amount
Attributes > ACTIVITY.RESTRICTION – MAXIMUM.BALANCE > New
Condition
 Create a Periodic Attribute applicable for life of an Arrangement to restrict
maximum balance in the account
TRANSACTION.COUNT.TOTAL > New Condition
 Create a Periodic Attribute applicable for a rolling monthly periods to restrict
transaction counts in the account
Slide 268
Solution - Setting restrictions in Notice Accounts (a)
Slide 269
Workshop – Setting restrictions in Notice Accounts (b)
 Create a new Product Condition for Notice accounts
 Defining a rule for minimum initial balance of 1000 while crediting an
arrangement
 If minimum opening balance goes below 1,000, an override is to be
generated and MINBALFEE is collected for breaking the rule
 Define maximum balance not to exceed 2M, when exceeded, an error is to
be generated
 Restrict the total cash withdrawals amount to 5000 when cash withdrawals
occur within monthly periods defined. When the rule is broken, no credit
interest is to be paid to the customer for the period
 Assess whether the maximum transaction count does not exceed zero for
cash withdrawals. When rule is not broken, bonus is to be paid to the
customer
Slide 270
Solution - Setting restrictions in Notice Accounts (b)
Slide 271
Solution - Setting restrictions in Notice Accounts (b)
Slide 272
Workshop – Setting restrictions in Savings Accounts
 Create a new Product Condition for setting restrictions in savings Accounts

 Minimum balance to be maintained in the arrangement is 500. During debit
activity, if the balance goes below 500, an override to be generated and a
MINBALFEE to be collected on a defer basis
 Total transaction count for cash related withdrawals not to exceed 3 in a 1
month repeating period. When the rule is broken, credit interest is waived
for the period
Slide 273
Solution - Setting restrictions in Savings Accounts
Slide 274
Solution - Setting restrictions in Savings Accounts
Slide 275
Workshop – Setting restrictions in Student Accounts
 Create a new Product Condition for setting restrictions in student Accounts

 Define a rule for restricting minimum balance to 0 under periodic attribute
MINIMUM.BALANCE. The related balance to be defined
 CRINTEREST is waived when the customer breaks the rule of keeping a
minimum balance of zero (balance goes into negative)
 All attributes to be set as negotiable
Slide 276
Solution - Setting restrictions in Student Accounts
Slide 277
Workshop – Setting restrictions in Staff Accounts
Create a new Product Condition for setting restrictions in staff Accounts:

 Define a rule for restricting opening balance to 100, if the minimum initial
balance, goes below 100, an error is to be generated
 Defining a minimum balance of 0 to be maintained in the account. If the
minimum balance in the arrangement during debit activity, goes below 0, an
override is set to be generated
 Restrict count of cash deposits per month to 5. If the count of cash deposits,
exceeds 5 per month, an error is to be generated
Slide 278
Solution - Setting restrictions in Staff Accounts
Slide 279
1. TRANSACTION.AMOUNT.MAXIMUM Periodic Attribute Class can be

used to restrict the increase in Current Account Balance
a) True
b) False
2. Periodic Attribute Classes are linked to Properties

a) True
b) False
3. Periodic Attribute Class is not a Property Class

a) True
b) False
Slide 280
Account Closure
Slide 281
Arrangement Closure
 Request for Closure - (Overview > New Activity)

 Can be undone by Reversing
 Settle out of Teller or FT
 Triggers an ACCOUNT Closure

 Cannot be undone
 ‘Reactivation’ activity brings Arrangement back to Live status
 Possible to close online or in Close of Business
Slide 282
Closure Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 283
Closure – Property
 Handles closure of Arrangements
 Product condition is Dated and Tracking
Property
Class
CLOSURE
Attributes:
Balance Prefix
DATED, TRACKING
Slide 284
Arrangement Closure
 Arrangement Closure a two step process:
 Request closure activity

 Calculates accrued interest, tax, if any for credit interest
 Updates final balance as on current date
 Charges for closure can be attached to this activity
 Possible to reverse through reactivation, charges not reversed
 Settlement for closure through funds transfer / teller
 Validation for account closure:

 Forward dated balances, exposure dates
 Account being closed tied up as a settlement account
 Status is not Pending Closure / Closed
Slide 285
Arrangement Closure
 Account balance is equal to zero

 Arrangement status moves to Pending closure
 Account balance is less / greater than zero

 Arrangement status moves to Request closure
 Request Closure status:

 No further interest accruals
 Credit / Debit to account still possible
 No activity other than settlement activity for closure can be run
 Reversal of Request closure activity possible
Slide 286
Closure – Product Condition
 Closure Type
 BALANCE - When all balances become Zero, closure activity is scheduled
 Closure Method
 Valid options are Automatic, Manual and Online
 Specifies whether closure processing would be triggered automatically or
manually or Online
 Closure Period
 Indicates when CLOSURE activity would be processed for Automatic
closure
 Posting Restrict
 Specifies the account closure posting restriction code
Slide 287
Workshop - Automatic closure
 Use Admin Menu > Product Builder > Product Conditions > CLOSURE
 Closure to happen automatically on balances becoming zero
 Period for processing is 10 days
 Posting restriction code is 90
 All attributes are negotiable by default
Slide 288
Solution – Automatic closure of Account
Slide 289
Workshop - Online closure of Account
 Use Admin Menu > Product Builder > Product Conditions > CLOSURE
 Closure to happen Online
 Period for processing is nil
 Posting restriction code is 90
 All attributes are negotiable by default
Slide 290
Solution – Online closure of Account
Slide 291
1. Payin rule is marked as None in Settlement product condition. This

indicates that this settlement is stopped till marked otherwise
a) True
b) False
2. Payment rules are used when Bank pays dues to Customer and Payout
rules are used when Customer pays dues to Bank
a) True
b) False
3. Once a closure activity is triggered and is completed in an

arrangement, it is possible to bring the Arrangement back to Live
status through a ‘Reactivation’ activity
a) True
b) False
Slide 292
Building Banking Products:
Retail Accounts Arrangements
Slide 293
Workshop - Creation of an Accounts Product Group
 Use Admin Menu > Product Builder > Products > Product Lines –Accounts
 Create a new Product Group with the following Settings:
PROPERTY CLASS PROPERTY MANDATORY
ACCOUNT BALANCE YES
ACCOUNTING ACCOUNTING YES
ACTIVITY.MESSAGING MESSAGING
ACTIVITY.MAPPING ACTIVITY.MAPPING YES
ACTIVITY.CHARGES ACTIVITY.CHARGES
ACTIVITY.PRESENTATION PRESENTATION
CUSTOMER CUSTOMER YES
INTEREST CRINTEREST
DRINTEREST
LIMIT LIMIT
OFFICERS OFFICERS
CHARGES ACCCHARGE
TXNFEE
CHEQUEWD
PAYMENT.SCHEDULE SCHEDULE
ACTIVITY.RESTRICTION AR.ACCOUNT
CLOSURE CLOSURE YES
BALANCE.MAINTENANCE BALANCE.MAINTENANCE
BALANCE AVAILABILITY BALANCE.AVAILABILITY
ELIGIBILITY ELIGIBILITY
CHANGE.PRODUCT CHANGE.PRODUCT
CHARGE.OVERRIDE CHARGE.OVERRIDE
PERIODIC.CHARGES LEDGERFEE
TAX TAX
PAYMENT.RULES ACCOUNTS.PAYMENT.RULES
PAYOUT.RULES ACCOUNTS.PAYOUT
SETTLEMENT SETTLEMENT
Slide 294
Solution – Creation of an Accounts Product Group
Slide 295
Solution – Creation of an Accounts Product Group
Slide 296
Workshop – Creation of a Default Accounts Product
 Use Admin Menu > Product Builder > Products > Product Lines –
Accounts > Product Groups
 Create a default Product under Product Group created in previous Workshop
with the following settings:
PROPERTY PRODUCT CONDITION ARR.LINK

ACCOUNTING ACCOUNTS Tracking
BALANCE DEFAULT.CURRENT Non-Tracking
CRINTEREST NONE Non-Tracking
DRINTEREST CURRENT.ACCOUNT Non-Tracking
LIMIT SINGLE Non-Tracking
SCHEDULE DEFAULT.SAVINGS Non-Tracking
PRESENTATION SAV.CURR.ACCOUNTS Tracking
CUSTOMER STANDARD Non-Tracking
OFFICERS SAV.CURR.ACCOUNTS Non-Tracking
CLOSURE AC.CLOSURE Non-Tracking
BALANCE.MAINTENANCE NEGOTIABLE Non-Tracking
ACTIVITY.MAPPING ACCOUNTS Tracking
ACCOUNTS.PAYMENT.RULES ACCOUNTS.PAYMENT.RULES Tracking
ACCOUNTS.PAYOUT ACCOUNTS.PAYOUT Tracking
SETTLEMENT ACCOUNTS.SETTLE Non-Tracking
contd....
Slide 297
Workshop – Creation of a Default Accounts Product
 Set the following in calculation source tab:
Calculated Property Source Type Source Balance

CRINTEREST CR.MINIMUM CURBALANCE
DRINTEREST DR.MAXIMUM CURBALANCE
 Product is available in USD, CAD, GBP
Slide 298
Solution – Creation of a Default Accounts Product
Slide 299
Solution – Creation of a Default Accounts Product
Slide 300
Workshop – Creation of a Parent Account Product
 Create a Parent Product under Product Group created in previous Workshop
with the following basic settings:
PROPERTY PRODUCT CONDITION ARR.LINK

ACCOUNTING ACCOUNTS Tracking
PRESENTATION SAV.CURR.ACCOUNTS Tracking
CUSTOMER STANDARD Non-Tracking
OFFICERS SAV.CURR.ACCOUNTS Non-Tracking
CLOSURE AC.CLOSURE Non-Tracking
BALANCE.MAINTENANCE NEGOTIABLE Non-Tracking
ACTIVITY.MAPPING ACCOUNTS Tracking
ACCOUNTS.PAYMENT.RULES ACCOUNTS.PAYMENT.RULES Tracking
ACCOUNTS.PAYOUT ACCOUNTS.PAYOUT Tracking
SETTLEMENT ACCOUNTS.SETTLE Non-Tracking
 Product is available in USD
Slide 301
Solution – Creation of a Parent Account Product
Slide 302
Workshop – Creation of a Current Account (child) Product
 Create a child Current Account Product under Parent Product created in
previous Workshop with the following settings:
PROPERTY PRODUCT CONDITION ARRANGEMENT LINK
BALANCE AC.CURRENT Non-Tracking
CRINTEREST NONE Non-Tracking
DRINTEREST CURRENT.ACCOUNT Non-Tracking
LIMIT SINGLE Non-Tracking
SCHEDULE CURRENT.ACCOUNT Non-Tracking
AR.ACCOUNT CURRENT.ACCOUNT Tracking
ELIGIBILITY TRGACCOUNT.ELIGIBILITY Non-Tracking
CHEQUEWD CHEQUE.WITHDRAWALS Non-Tracking
TXNFEE HIGHEST.DEBIT Non-Tracking
LEDGERFEE LEDGERFEE Non-Tracking
 Product is available in USD

 Calculation source for Interest and charge properties to be marked
Slide 303
Solution – Creation of a Current Account (Child) Product
Slide 304
Solution – Creation of a Current Account (Child) Product
Slide 305
Accounts Arrangement
Slide 306
Workshop - Creating an Accounts arrangement
 Use User Menu > Retail Operations > Account Arrangement > Account
Arrangement - Product Catalog > Retail Accounts > Product Groups >
Your Product Group > Your Product
 Create an Arrangement for your Customer for the Product published in
previous Workshop
 Look at the Account Schedule. Are interest definitions for debit and credit
available. Check if, Ledgerfee set for periodic charge is also defined
 Click on the settlement tab. Payin and Payout accounts of the customer are
to be fed in
 Commit the Arrangement
 Accept overrides, if any
Slide 307
Solution - Creating an Accounts arrangement
Slide 308
Account Activities and Transactions
Slide 309
Financial Activities
Teller Account Funding
Funds Transfer ACTIVITY Apply Repayment

MAPPING
Settlement Account Payout
 Payments from and into an AA Account can be done through ACCOUNT related
applications
 Activity is selected based on Transaction Code
 Settlement Property enables some of these Activities
Slide 310
Workshop – Transfer between Arrangement Accounts
Use User Menu > Role based Home Pages > Retail Operations >Home
Page – Customer Service Agent > Payments/Accounts Transfer
 Select two arrangement account numbers
 Input a transfer of USD 25,000 between the accounts
Slide 311
Solution – Transfer between Arrangement Accounts
Slide 312
Workshop – Transfer between Accounts in different currencies
Use User Menu > Role based Home Pages > Retail Operations > Home
Page – Customer Service Agent > Payments / Accounts Transfer
 Select two arrangement account numbers in different currencies
 Input a transfer of USD 35,000 between the accounts
Slide 313
Solution – Transfer between Accounts in different currencies
Slide 314
Workshop – Payment of Arrangement loan
 Select a lending arrangement and a current account arrangement
 Input a transfer of USD 7,500 to pay into the loan arrangement
Slide 315
Solution – Payment of Arrangement loan
Slide 316
Workshop – Funding of a Deposit Arrangement
Use User Menu > Retail Operations > Deposits Transactions >
Arrangement Activities (FT) > AA Deposit - Fund
 Fund a deposit arrangement from a current account arrangement
Slide 317
Solution – Funding of a Deposit Arrangement
Slide 318
Workshop – Back dated credit in an Arrangement
 Select an arrangement account opened a month back
 Transfer a sum of USD 32,500 into this arrangement from another

arrangement account with value date a month back
 Observe the accrued interest
Slide 319
Solution – Back dated credit in an Arrangement
Slide 320
Slide 321
Slide 322
Workshop – Eligibility checking in Retail account
Use Admin Menu > Product Builder > Product Conditions > ELIGIBILITY
 Pick out the Children record
 View eligibility settings in Children account
Use User Menu > Retail Operations > Product Catalog > Retail Accounts
> Product Groups > Savings Account > Savings Account (Notice)
 Verify how they work at arrangement level when you open an arrangement for a
person above 18 years and a customer who is a foreigner
Slide 323
Solution – Eligibility product condition
Slide 324
Solution – Checking eligibility in an arrangement
Slide 325
Solution – Checking eligibility in an arrangement
Slide 326
Workshop – Change Product to a different Product Group
Use User Menu > Retail Operations > Find Accounts > Authorised
 Pick a Savings Account arrangement
 Through New Activity tab, change the product to Current arrangement
account
 Observe the error generated
Slide 327
Solution – Change Product
Slide 328
Workshop – Reverse / Replay of back dated entries
Use User Menu > Retail Operations > Find Account > Authorised
 Pick an existing arrangement
 Input a back dated FT to credit the account with 20,000
 Authorise the same
 View the activity log through arrangement overview
Slide 329
Solution – Reverse / Replay of back dated entries
Slide 330
Slide 331
Slide 332
Workshop – Interim Interest Capitalisation
Use User Menu > Retail Operations > Find Account > Authorised
 Pick an existing arrangement account
 Note down the Accrued Interest
 Initiate the capitalisation activity
 Observe the interim capitalisation in arrangement overview
Slide 333
Solution – Interim Interest Capitalisation
Slide 334
Slide 335
Slide 336
Slide 337
Quiz 5 – Choose the correct Answer
1. How are activities auto generated ?

a) When a property is used for the first time in a Product Line
b) When a property is used for first time in a product line with
REBUILD.ACTIVITIES set to YES in AA.PRODUCT.GROUP
c) When a new Product Group is created
d) When a new Property is used in a AA.PRODUCT.DESIGNER
2. Which of the following is not an Activity in an Arrangement ?

a) Increasing commitment amount
b) Interest accrual
c) Enquiry
d) Crediting Arrangement
Slide 338
Quiz 5 – Choose the correct Answer
3. Negotiation Rule for an attribute is FIX.VALUE. What will be the impact

when the Arrangement Link for this is set to CUSTOM.TRACKING ?
a) Will track the attribute value irrespective of Negotiation Rule.
b) Will not track the attribute value
c) FIX.VALUE cannot be negotiated but will be tracked
d) CUSTOM.TRACKING will not allow negotiation
4. How can you set allowed Currency in AA.PRODUCT.DESIGNER?

a) Option ‘ALL’ in CURRENCY Field will allow all currencies
b) Restricted Currencies can be specified in CURRENCY Field to allow all
other currencies
c) Allowed Currencies to be input in the multi value ‘CURRENCY’ Field
d) A Product can be set only for Local Currency
Slide 339
Account Facilities & Enquiries
Slide 340
Account Facilities
 Issue Card
 Manage Card
 Issue Cheque
 Stop Cheque
 Stop Amount
 Revoke Stop
 Notice withdrawal
 Statement Frequency
 Update Statement Frequency
 Print Passbook
Slide 341
Account Enquiries
 Statement Entries Today
 Today’s Transactions
 Forward Movements
 Interest Rate Changes
 Cheques Issued
 Cheques Presented
 Stopped Cheques
 Revoked Cheques
Slide 342
Passbook related
Slide 343
Workshop – Issue of passbook
 User Menu > Product Catalog > Product Groups > Savings Accounts
> Savings Account
 Click to create a new savings arrangement
 Input the customer number and currency (USD)
 Click on Account property
 Select ‘Y’ for issue of passbook
 Commit, get the arrangement authorised
 User Menu > Retail Operations > Find Accounts > Authorised
 Fill in your arrangement ID and click on the icon
 Choose New Activity tab
 Choose activity – ACCOUNTS-UPDATE-BALANCE
 Possible to change the value of the Passbook field from ‘Yes’ to ‘No’,
and ‘No’ to ‘Yes’ for the existing arrangement. Both cannot be done on
the same day for the same account
Slide 344
Solution – Issue of Passbook
Slide 345
Solution – Passbook issue - option change
Slide 346
Cheque Facilities & Enquiries
Slide 347
Cheque Issue and Management in T24 – An Overview
Cheques
Banker’s Automatic Charges

Cheques, re order
Drafts
Stock
Manual Stop
order payment
FDR
Credit Card
Slide 348
Cheque Issue link through Arrangement Overview
 Accessed through Facilities in Arrangement Overview
 Issued using link to CHEQUE.ISSUE application

 Id is of three parts
 First part represents the type of Cheque as defined in CHEQUE.TYPE
 Second part is the Account number to which the cheques are issued
 Third part is a serial number generated by the system indicating the number
of times cheque is issued to that account, under the cheque type, so far
 Stages in issue recorded using CHEQUE.STATUS

 Requested, Sent for printing, Issued (Status 90)
 Issue date, Quantity, starting Cheque number, stock register and series
Id, are recorded
Slide 349
Workshop – View CHEQUE.TYPE and CHEQUE.CHARGE
 Use Admin Menu > Retail Administration > Cheques > Cheque Type
 View the cheque handling parameter set-up for Current Account product
 Use Admin Menu > Retail Administration > Cheques > Cheque Charge
 View the CHEQUE.CHARGE for the above Current account Product
Slide 350
Solution – CHEQUE.TYPE
Slide 351
Solution – CHEQUE.CHARGE
Slide 352
Workshop – Receipt of Stock and Viewing Stock Register
 Use User Menu > Retail Operations > Cheques > Receipt of Stock
 Record receipt of stock for the following cheques
 Stock quantity of 99,999 commencing from Cheque No.10001
 Cheques meant for Company GB0010001
 Mention Cheque type as CURR and the Stock series is CURR as the stock
is meant for Current Accounts
 Through Command line, view the system maintained table

STOCK.REGISTER
Slide 353
Solution – Receipt of Stock and Viewing the Stock Register
Slide 354
Workshop – Create New Arrangement
 Use Role Based Home Page > Retail Operations > Home Page –
Customer Service Agent> Product Catalog > Accounts > Current
Account > Current Account
 Create a New Current Account Arrangement for your customer
 Commit the Record
 Get the Record Authorised
Slide 355
Solution – Create New Arrangement
Slide 356
Workshop – Issue of Cheques
 Use Role Based Home Pages> Retail Operations > Home Page –
Customer Service Agent > Arrangements> Accounts > Account
Overview > New Activity > Account Facilities
 Select the Arrangement account created in the previous workshop
 Record a request for issue of 50 cheques
 Accept the Overrides
 Through Enquiries view the cheques issued for this account
Slide 357
Solution – Cheque Issue
Slide 358
Solution – Account Enquiries – Cheque Issued
Slide 359
Payment Stop
 Accessed through Facilities tab in Arrangement Overview
 Stop payment instructions captured through PAYMENT.STOP

 Id is Account number
 Can be input for a specific cheque number or for a range, for an exact
amount or for a range of amounts or for combination of both
 Charges details maintained in PAYMENT.STOP.BALANCES
 CHEQUES.STOPPED table records cheques stopped for payment
 Stop payment Validation based on ACCOUNT.PARAMETER setting:

 If CHEQUE.REGISTER Field is set to No or Null, validates only the cheque
number
 If set as Yes, validation is done for the cheque number along with cheque
type
Slide 360
Payment Stop
 Presented and paid cheques recorded in CHEQUES.PRESENTED
 If Payment has been stopped for a cheque, when it is presented,

override is produced when cheque number is entered and committed in
FT / DC/ TT applications
 Payment once stopped can also be revoked
 If a cheque is returned for other reasons, cheque number can be

recorded in CHEQUE.REGISTER
Slide 361
Workshop – Stop Payment
Customer Service Agent > Arrangements> Accounts > Arrangement
 Register Stop payment Request for 2 cheques, issued in the earlier

workshop
 Cheques lost are 140001 to 140002
 Through Enquiry, see the cheques stopped for payment in Current account
Slide 362
Solution – Stop Payment
Slide 363
Workshop – Recording a revoke of stopped cheques
Customer Service Agent > Arrangements> Accounts > Arrangement
 Both cheques reported lost have been located by the customer
 He is requesting for revoking the stop instructions
 Go to facilities and revoke stop for both the cheques
 Through Enquiry, see the revoked cheques
Slide 364
Solution - Recording a revoke of stopped cheques
Slide 365
Statements
Slide 366
Statement Generation and Enquiries
 ACCOUNT.STATEMENT record auto generated for all new Accounts
 It has Date and frequency for printing account statements, as defined in

STMT.GEN.CONDITION table
 Possible to change frequency at Account level using

ACCOUNT.STATEMENT
 Can be accessed through Facilities tab in Arrangement Overview
 Account Statement and Statement entries today available for enquiry

through Arrangement Overview – Enquiries tab
 AC.PRINT.MASK application used to mask entries from appearing in a

statement
Slide 367
Workshop – Statement Frequency Set up and Enquiries
Customer Service Agent > Arrangements> Accounts > Authorised
 Select an existing Arrangement
 Select New Activity and Account Facilities
 Choose Statement Frequency
 Set Statement Frequency as Monthly
 Select Enquiries, View the Statement Entries Today
 View Today Transactions
Slide 368
Solution – Statement Frequency
Slide 369
Solution – Statement Frequency
Slide 370
Solution - Enquiries
Slide 371
Forward Movements
Slide 372
Workshop – Forward dated transaction and enquiry
 Use User Menu > Retail Operations > LCY Draft Issue/Account
Transfer > Transfer between Accounts

 Input a forward dated credit for USD 25,000
 View the forward movements through arrangement overview
Slide 373
Solution – Forward dated transaction
Slide 374
Solution – Forward movement enquiry
Slide 375
Interest Rate Change
Slide 376
Workshop – Debit Interest rate change
Customer Service Agent > Arrangements > Accounts > Authorised
 Select “New Activity” Tab and Choose debit interest change activity
 Change debit interest rate
 Get the change activity authorised
 View the change in interest rate through arrangement overview
Slide 377
Solution – Debit Interest rate change in Arrangement
Slide 378
Slide 379
Slide 380
Retail Account Maintenance
Slide 381
To Change the Customer
ACCOUNT
ACCOUNT,CHANGE.PRIMARY.OWNER Version
Only CUSTOMER field

Open for Input
(controlled at
VERSION level)
Slide 382
To Change the Customer
AA
ACCOUNTS-CHANGE.PRIMARY-CUSTOMER Activity
Only CUSTOMER field

Open for Input
(controlled at by
ACTIVITY CLASS)
Slide 383
To Attach Overdraft Limit
ACCOUNT
ACCOUNT,ATTACH.LIMIT.HP Version
Only LIMIT.REF field

Open for Input
(controlled at
VERSION level)
Slide 384
To Attach Overdraft Limit
AA
ACCOUNTS-UPDATE-LIMIT Activity
Only LIMIT Property is

Open for Input. All
others are disabled
Slide 385
Limit & Overdraft Account Maintenance
Slide 386
Workshop – Create Overdraft Account
Customer Service Agent > Product Catalog > Accounts > Current
Account > Premium Current Account
 Create a New Premium Current Account Arrangement for your customer
in USD
 Now observe the Limit auto created for 500
 Commit the Record and get it Authorized
 Through the Command line view the LIMIT record created by the system
Slide 387
Solution – Create Overdraft Account
Slide 388
Solution – View the Limit Record
Slide 389
Solution – View the Account Record
Slide 390
Workshop – Decouple Limit effective today
Customer Service Agent> Arrangements > Accounts
 Select the Premium Arrangement account created in the earlier Workshop
 Change the Limit from Managed by AA through UNLINK Activity effective
today
 Commit the Record and Get it Authorized
 View the MANAGE.LIMIT field in Limit Arrangement conditions through

Arrangement overview
Slide 391
Solution – Decouple Limit effective today
Slide 392
Slide 393
Slide 394
Posting Restrict
Slide 395
Workshop – Create Arrangement with POSTING RESTRICT
Customer Service Agent > Product Catalog > Retail Accounts > Current
Account > Fully Negotiable Account
 Create a New Fully Negotiable Account Arrangement for a customer
 Select “Account” Tab and set the POSTING.RESTRICT as “1” No Debits
allowed for this Arrangement
 Commit the Record and
 Use User Menu>Retail Operations> LCY Draft Issue/Account Transfer>

Transfer between Accounts
 Input a Funds transfer by debiting the Arrangement account for USD 10,000
and credit to customers account
 Commit Record, Note the override message
Slide 396
Solution – Arrangement with Posting Restrict
Slide 397
Solution – Funds Transfer with Posting Restrict
Slide 398
Notice Accounts
Slide 399
Workshop – Create Arrangement - Notice Accounts
Customer Service Agent > Product Catalog > Retail Accounts > Savings
Account Group > Savings Account (Notice)
 Create a Notice Account Arrangement for your customer
 Notice Period set as 2D, Notice Availability 5D and Notice Amount as
10,000
Slide 400
Solution – Notice Account
Slide 401
Workshop – NOTICE WITHDRAWAL
Customer Service Agent > Arrangements> Accounts > Authorised
 Select the Notice Arrangement created in the earlier workshop
 Record a Notice withdrawal for USD 1000 effective today
 Through Command line type NOTICE.WITHDRAWAL and get the Record
Authorised
Slide 402
Solution – NOTICE.WITHDRAWAL
Slide 403
Demonstration – Notice account withdrawals
User Menu > Role based Home Pages > Retail Operations > Home Page
– Customer Service Agent > Payments / Accounts Transfer
 Select a notice arrangement account

 Note down the notice withdrawal particulars
 Input FTs debiting the notice account:
a) Before the notice period
b) During the notice period
c) After the expiry of notice days
 Notice the overrides generated
 Get the records authorised
Slide 404
Solution – Notice account withdrawal settings
Slide 405
Solution – Notice account withdrawal beyond available date
Slide 406
Solution – Notice account withdrawal before available date
Slide 407
Solution – Notice account withdrawal within availability period
Slide 408
Locking of Amounts
Slide 409
Account – Locking of funds
 It is possible to block funds in an account with start and end dates

using AC.LOCKED.EVENTS application
 Details of locking maintained in accounts as date wise ladder in

FROM.DATE and LOCKED.AMOUNT Fields
 LOCKED.WITH.LIMIT Field in ACCOUNT

 If marked as Yes, credit checking on Locked amounts will include Limit
if account has locked funds and is linked to a Limit
 Default value is NO, ignores limit for locked amount processing
 Enquiry of locked amount available in Arrangement Overview
Slide 410
Account Maintenance - Lock Funds
 Locked amount check can be done on current balance or Available

balance
 For shortfall, Overrides raised are different for current balance with
limit, without limit and future cash flows
 Override ‘ACCT.BAL.LT.LOCKED’ is raised for an account with no limit for
locked amount checking ‘LIMIT.WORKING.LT.LOCKED ‘ is raised for an
account with limit
 If future cash flows are checked with out limit and if the available date is
less than the worst locked amount, Override
‘AVAIL.LOCKED.OVERDRAFT’ is raised
 If future cash flows are checked with limit and if the available date is less
that the worst locked amount, Override
‘AVAIL.LOCKED.LIMIT.OVERDRAFT’ is raised
Slide 411
Workshop – LOCKED AMOUNT
 Use Role Based Home Page> Retail operations > Homepage –

Customer Service Agent > Arrangements> Account > Authorised
 Use your existing current account
 Block USD 5,000 for 1 month from today
 View the locked amount created in your account
Slide 412
Solution – Locking of Funds in an Arrangement Account
Slide 413
Account Closure Related
Slide 414
Workshop – CLOSURE OF ARRANGEMENT with Locked Amount
 Use Role Based Home Page> Retail operations > Homepage –

Customer Service Agent > Arrangements>Account > Authorised
 Select the Arrangement record of your customer with the locked Amount
used in the previous workshop
 Do a REQUEST.CLOSURE Activity and
 View the Message and accept the Overrides, if any
 Get the record Authorised
 View the Status of the Arrangement
Slide 415
Solution – Closure of Arrangement with Locked Amount
Slide 416
Solution – Closure Activity with Locked Amounts
Slide 417
Solution – Closure of Arrangement – View Status
Slide 418
Workshop – Closure of Arrangement with Zero Balance
 Use Role Based Home Page> Retail Operations > Homepage –

Customer Service Agent > Arrangements>Account >Authorised
 Pickup the Arrangement with Zero balance and do a Request Closure
activity through New Activity Tab
 Get the record Authorised
 View the Status of the Arrangement
Slide 419
Solution – Closure of Arrangement
Slide 420
Slide 421
Slide 422
Primary Customer Change
Slide 423
Workshop –Primary Customer Change
 Use Role Based Home Page> Retail Operations > Homepage –

Customer Service Agent > Arrangements>Account >Authorised
 Select an Arrangement record of your customer created earlier and Change
the existing Primary Owner of the arrangement with different customer
Slide 424
Solution – Primary Customer Change
Slide 425
Solution – Primary Customer Change
Slide 426
Solution – Primary Owner Change
Slide 427
Eligibility
Slide 428
Workshop – Eligibility Checking
 Choose a Customer whose age is more than 25 Years
Customer Service Agent> Product Catalog >Retail Accounts > Current
Account Group > Student Account (Child)
 Create a New Student Account Arrangement for the above selected
Customer
 View the Eligibility Condition
 View the Error Message
Slide 429
Solution – Viewing the Customer Record
Slide 430
Solution - Eligibility
Slide 431
AA Advanced Accounting
Slide 432
AA Accounting –overview
Arrangement Accounting
Activity Events
Accounting
Property Action
Product
Condition Financial
Reporting
Balance 1
Allocation
Balance 2 Rules SPEC.ENTRY
Balance ‘n’
STMT.ENTRY
Update CATEG.ENTRY
Balances
Slide 433
Arrangement Balances - Overview
 Some Properties of an Arrangement have one or more associated

Balances
 A property can have Balances in different states depending on status
 Some activities update Balances

 Balances are updated through T24 accounting
 Balances are used

 In financial reporting
 As the basis for calculation of interest or charges
 For applying certain types of periodic restriction
Slide 434
AC.BALANCE.TYPE
 Balance Type is a Financial Component of a Product

 Definition of Product specifies which balance types the Product should be
comprised of
 Reporting Type
 Contingent, Non-contingent and Internal
 Balance types are hard coded in T24
 AC.BALANCE.TYPE application offers ability to create additional

balance types and define relevant characteristics
 Decompose Balance Types
 Post or suppress entries for Internal Balance Types
 Post to Internal Balance Type
 Existing Balance types used by the system cannot be changed via
AC.BALANCE.TYPE application
Slide 435
Balance Prefix
Possible Prefixes for

Deposit Product Line:
CUR = Current Balance
TERM.AMOUNT, ACCOUNT
ACC = Current Accrued

Balance
INTEREST, CHARGE
DUE = Due Balance

ACCOUNT, CHARGE
AGE = Overdue Balance

ACCOUNT
UNC = Unallocated Credit

ACCOUNT
UND = Unallocated Debit

ACCOUNT
EXP = Expected Balance

ACCOUNT
PAY = Payable Balance

ACCOUNT, INTEREST, CHARGE
Slide 436
AC.BALANCE.TYPE
 Reporting Types
 Contingent - Off-Balance sheet item
 Non-Contingent – In Balance Sheet
 Internal - Not Reported
 Virtual - Sum of specified balances
 Activity Update
 Option to update historical balance file
 Suspend Balance
 Option to suspend posting to PL
 Change asset type

 If the account moves from debit to credit
or vice versa
Slide 437
Linking Balances to Calculations
 Interest and Charge properties can base their calculations on specific

balances
 This can include virtual balances
 And can include ‘memo’ balances
 Provides a variety of calculation options
Slide 438
Linking Balances to Calculations
 Specify Properties and Balances linked for calculations in

CALCULATION.SOURCE Tab in Product (AA.PRODUCT.DESIGNER)
Set Calculation property , Source Balance and Source Type
Link to AC.BALANCE.TYPE is made through Source Balance
Slide 439
 This application holds information on actions performed in each

PROPERTY CLASS
 The information covers:

 Actions for each PROPERTY CLASS
 Accounting entry generated or not for the action
 Product Line
Slide 440
Activities Overview
 Activities are operations that can be applied to Arrangements

 Example : Deposit, Apply Payment, Accrue Interest
 Arrangements can only be updated via Activity (both online and COB)
 In fact, creating a new Arrangement is also an activity
 Activities are grouped into Activity Classes

 Defined by Temenos
 Activity Class defines behaviour
Slide 441
Activity Class Actions- ACCOUNTS-CHANGE-INTEREST
Update Interest
Evaluate Activity Restriction
Calculate Activity Charges
Send Message Activity Messaging
Actions Property Classes
Slide 442
Activity - ACCOUNTS-CHANGE-CRINTEREST
Update CrInterest
Evaluate Activity Restriction
Calculate Activity Charge
Send Message Activity Messaging
Actions Properties
Slide 443
Accounting Property Class
Eligibility Interest Charge Limit
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 444
Accounting - Property Class
 Property for Accounting cannot be viewed or edited at arrangement

level
 Update Action possible, will not generate Accounting entry
Property Class
ACCOUNTING
Attributes:
Balance Prefix
DATED, MERGE, NIL
TRACKING.ONLY
Slide 445
Accounting – Product Condition
 Rules defined for every property requiring accounting entries

 Allocation rules defined for each action of property
 ACCT.ACTION Field - Accounting Action

 Action of respective properties for which rules are defined
 Must be ACTION having ACCOUNTING stated to YES in
AA.PROPERTY.CLASS
 ACCT.RULE Field - Allocation Rule

 Accounting rule associated with property and accounting action
 Must be a valid record in AC.ALLOCATION.RULE
 PROPERTY Field
 Indicates the Property to which following accounting rules apply
Slide 446
Accounting – Product Condition
 Charges / commission taken can be amortised over a period specified

in Accounting property
 Accrue Amort
 This should be set as AMORT
 Accrue Period
 Should be set as MATURITY or a valid period to be defined (1M, 1Y)
Slide 447
Accounting Balances and Data
Current balances
ARRANGEMENT EB CONTRACT
ID: Arrangement No.
BALANCES
1 ID: AA Account ID
Arrangement
Master
Current balance amounts STMT.ENTRY
Account No = Arr A/c
Balance Type = Multi Bal Type
1
ACCT
ACCTACTIVITY
ACTIVITY
ACCOUNT ID: Contract/Account
ACCT.BALANCE.ACTIVITY
ID: Contract/Account
[.balance] - YearMonth
ID: Contract/Account
ID: Account [.balance] - YearMonth
* [.balance] - YearMonth CATEG.ENTRY
Hist Balance and mvmt
Working Balance Hist Balance and mvmt Account No = Arr A/c
Hist Balance
By value dateand mvmt
By value date Profit and Loss Movement
By value date
Link to T24 apps
Crf Key Data
Historic Balances Accounting Entries
Interest Calc
SPEC.ENTRY
Deal No = Arr A/c
CRF Type = Multi Bal Type
Slide 448
AC Allocation Rules and AC Posting Detail
 Allocation Rules take an event and creates a number of entries by

specifying
 Target Balance
 Contra Balance
 Transaction Codes to Use
 Movement Detail
 Multiple Targets and Contra Targets can be created from same event
 Will allow additional movements to be created if required
 Target options include P&L, Internal Account, specific Balance Type
 Default is balance type supplied with the entry through
AC.POSTING.DETAIL
 Posting Detail allows detailed content of the entry to be defined

 Entry type
 References, Narratives etc
Slide 449
Accounting entries in AA
 When a Loan/Deposit Arrangement was debited / credited

 Original entry from underlying application moved to suspense account
 Opposite entry created from suspense when processing activity
 Suspense account replaced with balance type AASUSPENSE
 Internal balance type AASUSPENSE used in both core and soft

accounting
 Shift from suspense account to AASUSPENSE improves performance

and helps in reconciliation
Slide 450
AA and Accounting
Suspense
TELLER Processing
Change A/C on Cr
AASUSPENSE
Dr Till entry to14700
Payment
Cr Arrangement Accounting Rules
USD 1,500.00
AA.ARRANGEMENT.ACTIVITY
Dr 14700
STMT.ENTRY CR1 Arrangement
Txn Ref = (Principal)
DR Till $1,500 TT CR2 Arrangement (Interest)
Txn Ref = CRx Arrangement (Charge)
CR 14700 $1,500 TT (Total=1,500.00)
Txn Ref =
DR 14700 $1,500 AA
Activity Log
Txn Ref =
CR1 Arrangement $xxx AA
Txn Ref =
CR2 Arrangement $xxx AA
Transaction Boundary
Txn Ref =
CRx Arrangement $xxx AA
Slide 451
Workshop – Viewing Account & Accounting information
 Use Role Based Home Pages > Retail Operations > Home Page –
Customer Service Agent > Product Catalog > Product Groups >
Accounts > Current Account > Current Account
 Create a new Arrangement and get it authorised. While authorising note

down the AA Account Number
 Use Command Line

 Look at Account record and Arrangement Balances
Slide 452
Solution–View Account & Accounting information
Slide 453
Workshop–View Account & Accounting information after FT
 Use User Menu > Retail Operations > LCY Draft Issue/Account
Transfer > Transfer between Accounts
 Input a Funds transfer for the arrangement created in the earlier workshop
 Commit Record, Note the override message, if any
 Use Command Line

 Look at the ACCT.BALANCE.ACTIVITY, EB.CONTRACT.BALANCES and
Arrangement Balances
Slide 454
Solution–View Account & Accounting information after FT
Slide 455
Solution–View Account & Accounting information after FT
Slide 456
Workshop – Creation of Charge Property, Balance Types & Allocation rules
 Use Admin Menu > Product Builder > Properties > Charge
 Create a new CHARGE property
 Use Admin Menu > Product Builder > Additional Settings > Balance
Types
 Create balance types with prefixes ACC, PAY, DUE for CHARGE property
 Use Admin Menu > Product Builder > Additional Settings > Allocation
Rules
 Create a new Allocation Rule for the new CHARGE property (You can copy
Accounting Allocation Rule “DEBIT-CHARGE” and change the P&L
Category retaining other details)
 Use Admin Menu > Product Builder > Product Conditions > Accounting
 Create a new Product Condition and assign the above rule to your
CHARGE property (Copy the existing Product condition and replace the
new allocation rule to your CHARGE property)
Slide 457
Solution – Creation of Charge Property
Slide 458
Solution – Creation of Balance Types
Slide 459
Solution – Creation of new allocation rule
Slide 460
Solution – Creation of new accounting product condition
Slide 461
Workshop – Rebuilding Product group & Product
 Use Admin Menu > Product Builder > Products > Deposits
 Open your Product Group
 Add your CHARGE property to Charge Property Class
 Rebuild the Product Group
 Use Admin Menu > Product Builder > Products > Deposits > Your
Product Group
 Open your Product, add a product condition to your CHARGE property
 Replace the existing product condition for ACCOUNTING Property with the
new one you have created
 Proof and publish the product
Slide 462
Solution – Rebuilding Product group
Slide 463
Solution – Rebuilding Product
Slide 464
Solution – Proofing & Publishing the Product
Slide 465
Balance Maintenance Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Presentation Mapping Charges Maintenance
Slide 466
Balance Maintenance - Property Class
 Property class allows to capture bills, balances and adjust balances of

bills taken over from contracts
 Contracts can be taken over from existing legacy system or existing T24
Accounts module into AA module
Property Class
BALANCE
MAINTENANCE
Attributes:
Balance Prefix
DATED, CCY, MULTIPLE NIL
NON.TRACKING,
ARRANGEMENT
Slide 467
Balance Maintenance – Product Condition
 Capture Bill
 Capture Balance
 Adjust Bill
 Adjust Balance
 Write Off Bill
 Write Off Balance
Slide 468
Balance Maintenance – Capture Bill
 Allows a single bill to be captured for an arrangement

 Total OS Amount
 Amount OS by property
 Original Amounts
 Bill Date
 Due Date
 Dates are before start date of arrangement in T24
 Amounts are made due and then will be aged by processing as part of
the same activity
 Other ‘side’ of movement is handled by allocation rules – usually

suspense or wash account
Slide 469
Balance Maintenance – Capture Balance
 Allows non bill related balances to be captured for an arrangement
 For example accrued interest, charges
 Dates are before start date of arrangement in T24
 Other ‘side’ of movement is handled by allocation rules
Slide 470
Balance Maintenance – ADJUST BILL
 Allows existing bill amounts to be adjusted

 Amounts can be increased or decreased
 Can be adjusted to zero
 Multiple Bills can be adjusted in the same transaction
 Balance Maintenance property will show balances as per the effective

date of the adjustment activity

 Net movement between bills can be zero
Slide 471
Balance Maintenance – ADJUST BALANCE
 Allows existing non bill related balances to be adjusted

 Amounts can be increased or decreased
 Can be adjusted to zero
 Multiple Balances can be adjusted in the same transaction


 Net movement between bills can be zero
Slide 472
Balance Maintenance – Write off Bill
 It is an ADJUST BILL activity
 Allows existing bills to be written off

 Amounts are automatically set to zero
 Bill status set to written off
 Multiple Bills can be written off in the same transaction

Slide 473
Balance Maintenance – Write off Balance
 Allows existing non bill related balances be written off

 Selected Balances are decreased to zero
 Multiple Balances can be written off in the same transaction

Slide 474
Balance Maintenance – ADJUST ALL
 Allows adjustment of bills and non bills related balances in the same
transaction
 Balances and amounts can be increased and decreased
 Combination of Adjust Bill and Adjust Balance
 Bills can be written off
 Amounts can be written off

 Net effect of adjustment can be zero
Slide 475
Balance Maintenance – Others
Typical sequence of steps involved in migration:
 Take-over Arrangement
 Capture outstanding Principal
 Capture overdue Bills
 Capture current accruals
Slide 476
Balance Maintenance Activities
Take Over Activities – Capture Bills and Balances

Direct Financial Adjustments
Slide 477
Statements / Passbooks
 Customer statements / passbooks possible to be issued for

arrangements
 For Passbooks, PASSBOOK Field set as Yes in Account property and
product category present in SAVINGS record of ACCOUNT.CLASS
 Statement entries updated with narratives from transaction code of the

transaction triggered through an Arrangement activity
 AC.POSTING.DETAILS is used for narrative updates in statement

entries
 Appropriate narrative activity-wise essential
 ENTRY.VALUE multi-value field set with PROPERTY, ACTIVITY etc
 VALUE.SOURCE field to be set as EVENT
 In AA.ARRANGEMENT.ACTIVITY, Field NARRATIVE can be used for

further description for the triggered activity
Slide 478
Masking of entries in Statements / Passbooks
 Customer statements based on Account movements (STMT.ENTRY)

generated for that arrangement
 Possible to mask a set of Statement entries from enquiry / printing

 MASK.PRINT flag in STMT.ENTRY record to be set as Yes
 Entries generated to make Payments due will continue, but these will
not appear in Customer statement
 Accounting movements to move balances from one balance type to another
E.g. CUR to DUE, DUE to GRA
 Field MASK in AC.ALLOCATION.RULE set as Yes for Mvmt & Target

entries if mask print flag is required
Slide 479
Quiz
1. Balance prefixes are indicated in ACCOUNTING Property Class

a) True
b) False
2. Virtual Balance is the sum of select balances

a) True
b) False
3. Balance Prefixes in AA Accounts are user definable

a) True
b) False
Slide 480
Retail Accounts - A Review
In this course, you were introduced to Retail Accounts. Emphasis was given on
some basic and important Property Classes.
 Having completing this course, you will now be able to:
 Understand the product overview of T24 Accounts and Retail Accounts
 Identify Application specific parameter tables for designing a Retail Account

product
 Configure a Retail Account Product
 Perform user activities and transactions related to the Product
Slide 481

T4 AA Retail PDF

Transféré par

Informations du document

Titre original

Copyright

Formats disponibles

Partager ce document

Partager ou intégrer le document

Options de partage

Avez-vous trouvé ce document utile ?

Ce contenu est-il inapproprié ?

Droits d'auteur :

Formats disponibles

T4 AA Retail PDF

Transféré par

Droits d'auteur :

Formats disponibles

AA Retail

Objectives – Retail Accounts

 After completing this learning unit, you will be able to:

 Understand the product overview of T24 Accounts and Retail Accounts

 Identify Application specific parameter tables for designing a Retail Account

 Configure a Retail Account Product

 Perform user activities and transactions related to the Product

Interest & Fixed, Floating, Periodic interest with/without compounding.

Operational Event based restrictions such as restrictions on number of transactions can be

Overdraft Overdraft facilities can be provided and monitored.

Limit Credit Debit

 Arrangement Accounts have Customer type of accounts

 Use User Menu > Retail Operations > Account Arrangement

 Transfer funds into the Account

Account Arrangement Account Reference

Product Product of the Account

Recent Txns Recent transactions on the account in

 Tables used for building re-usable components :

 Tables set up during implementation:

 Released by TEMENOS to define Actions and Attributes for any

ACCOUNTS, DEPOSITS, Pre-fixes for Balance

 Property is a named type / instance of a Property Class

 To be defined for every Property class, by associating Id of the

 Possible to create different Product Conditions for a Property Class

 Fields of a Product condition represent attributes of the associated

 Product conditions have to be Date specific if Property class is set so

 Can be currency specific if the corresponding Property Class allows it

 Currency and Effective Date form part of Product condition Id

 Possible to set conditions with future value date

Attributes controlled by TYPE

 This application holds information on actions performed in each

 The information covers:

Eligibility Interest Charge Payment Rules

Activity Activity Activity Periodic

 Customer entered into New Arrangement Activity

 Primary owner can be changed:

 Limit sanctioned to Primary owner alone can be used in Arrangement

Limit Interest Charge Eligibility

Activity Activity Activity Balance

 Customer Property class is mandatory

Attributes: Balance Prefix

 Product conditions can be set regarding Owner, Primary Owner, Other

Arrangement Other Party

Limit Interest Charge Eligibility

Activity Activity Activity Balance

 Property for Officers can be set as Tracking

 Update Action possible

Attributes: Balance Prefix

Both of above must be a valid Officer in DEPT.ACCT.OFFICER file

 Roles for Other Officers

 Notes for Other Officers

 Default value is Account Officer defined in CUSTOMER record

 Which maps to Activity

 Similar mappings for Activity Mapping

Limit Interest Charge Eligibility

Activity Mapping Closure

Activity Activity Balance

 Values cannot be viewed or edited at arrangement level

 Arrangement level values track changes to Product condition

 Default Activities for unmapped Transaction Codes of Debits and

1. Accounts Arrangements include Customer Accounts, Internal Accounts,

2. Eligibility conditions help in creating different Product Catalogues for

3. It is possible to Issue / Manage cheques, cards, statements, passbook,