Job Cards - Work Flow For Core Banking Solutions (CBS)

Job Cards – Work Flow for Core
Banking Solutions [CBS]
[Prepared by Bank of India for

Indian Institute of Banking and Finance]
Bank of India, Management Development Institute, CBD Belapur
INDEX
Sr. No. PARTICULARS / TOPICS PAGE NO.
1. Introduction
a. Advantages of CBS 03
b. Features and Functionalities of CBS 03
c. Important Processes in CBS 04
d. EOD and BOD concepts in CBS 05
e. Issues in CBS 05
2. Job Cards or Work Flows of CBS 07
a. Employee / User Master Module 07
b. Customer Master Module 10
c. Account Master Module 12
I> Current / Savings Deposits 12
II> Term Deposits 13
III> Loan and Advances 14
IV> Security Register 16
V> Borrower Exposure Limits Maintenance 16
VI> Asset Classification and Provisioning Norms 16
VII> Write Off Accounts 16
VIII> Stock Audit / Consortium Advance etc. 17
d. Transactions Module 17
I> Entry / Posting / Verification 17
II> Cash / Clearing / Transfer 18
III> Dummy, Proxy, Part, Bulk Transactions and BCCT 20
e. Sensitive Stationery Maintenance 21
f. Remittances – DD, PO, RTGS, NEFT, ECS [Dr. /Cr.] 21
g. Trade Finance and Foreign Exchange 23
I> Bill Maintenance 23
II> Bank Guarantee [Inland / Foreign] 24
III> Documentary Credit [Inland / Foreign] 24
IV> Export Finance 24
V> Packing Credit 25
VI> Remittances 25
VII> Forward Contract / EPC / Buyers Credit 25
VIII> R-Returns 26
h. Other Services and Products – SDV, GBM, DSA etc. 26
i. Non- Customers Accounts 27
j. Web Enabled Services and Products 27
k. Call Center, Help Desk and CARTS Modules 28
l. BCP and DRP in CBS 29
3. Advance / Optional / Additional Modules of CBS 29
- Card Management, Cash Management and Channel Financing, 29
- Leveraging STP, E2E Modules 29
- Leveraging Back office and P & L Modules 30
- Treasury Management, Utility Bill Payment, Insurance 30
- Capital Market and Mutual Funds, Business Intelligence 31
- Data Wherhousing, HRMS, KYC, AML, 31
- Regulatory Compliance, Risk Management etc. 31
2
JOB CARDS / WORK FLOW FOR CORE BANKING SOLUTOIONS [CBS]
ADVANTAGES OF CBS :-
• Anywhere, Anytime, Anyhow [AAA] Banking is possible.
• Centralised Database: The data of all the branches covered under the CBS is stored
at one place called Data Centre. In effect, it means that all the operations at the
connected branches take place at one place i.e. at Data Centre.
• Enhanced Security Features: The highest of Security features can be put in place
as Server is located at one place. Access control can be effectively managed on need
to know basis, over and above the basic security features like Maker-Checker
Concept, Audit Trail etc.
• Back Office Functions: The branches of a Bank need not take back-up as the same
are done at Data Centre. Many of the back office functions like Interest Rate
updation, Charge / Fee setup, amortization etc. are handled at Data Centre only.
• Effective MIS: As the data of all networked branches is shared at one Centralised
Location, the Management Information is extracted without the branches having to
do the same. The branches are spared from the burden of providing information by
way of returns / reports etc.
• Integration with Core Module: Integration of other Third Party Software like
Government Business Module [GBM], Customer Relationship Manager [CRM],
Mortgage Lending, AML and KYC Module, SWIFT, Wireless Banking, ATMs,
Internet Banking, POS and WAP Banking etc. is possible.
• Superior Multilayer Architecture: CBS provides a technically superior solution

with a multi-layered, message-based architecture in turn, resulting in superior price-
performance and reducing Total Cost of Ownership (TCO).
• Since the Data is on Central Server, duplication of data, work process and repetitive
processes are eliminated.
FEATURES and FUNCTIONALITY OF CBS:-

The CBS is functionally rich and caters to almost all the facets of banking. Some
of the salient features are as follows:
1. Every customer is now a customer of the bank, rather than being customer of a
branch. All the customers of all the branches will have unique Customer ID
across the Bank, accessing centrally stored single database.
2. The CBS encompasses all the Retail functionalities like Savings, Current, Cash
Credit, Overdraft, Term Deposits, Term Loans, and Safe Deposit Vault etc.
3. Business can be leveraged to suit ever-changing needs like introduction of pooled
accounts, Flexi-deposits, introduction of new deposits, credit products and other
3
services. CBS exploits full functionality of a RDBMS by easy and need based
customisation of products and services at Bank level.
4. Trade Finance Module includes Inland / Foreign Bills, Documentary Credits,
Guarantees, Remittances, Pre-Shipment Credits and Forward Contracts.
5. Customer Relationship Module (CRM), Loans Originating System (LOS), etc.
supporting frontend and backend modules.
6. Government Business Module (GBM) enables Pension processing, PPF, CBDT
and RBI Bonds maintenance etc.
7. Core module supports various other delivery channels like Internet Banking, Tele
Banking, POS, ATMs, SMS, and WAP Banking etc.
8. The CBS can support Investment Module, Cash Management Module, Treasury
Module, Risk Management functions including ALM, and even other
requirements relating to Basel-II.
9. With the compatibility, full functionality and open architecture, CBS caters to all
needs of “Financial Super Market” by providing “Single Window Concept” in its
true sense.
10. The CBS supports Multi-lingual, Multi-currency, Multi-national regulations and
Multi-delivery channel.
11. Due to availability of the data at the Central location, many processes and
procedures and back office functions like Inward and Outward Clearing,
Processing ECS Debits/Credits, Issuance of Cheque Books, Statement of
Accounts and Passbooks, Account Opening process, Issuance of ATM [Dr]
Cards, Credit Cards, IDs and Passwords of other delivery channels like Internet
Banking, SMS Banking, Tele Banking, WAP Banking etc. are possible from any
location. In true sense Core Banking Solutions [CBS] provides “AAA” banking
i.e. Convenient Banking Solutions not only for Customers but also for Bank and
their Staff members also. In a way it is a Cost Benefit Solution.
IMPORTANT PROCESS FOR CBS:-

Parameterisation:-
This is the basic and key process for any software implementation. All important
parameters like Interest Rate Table, Service Charges, Commission and Fees Structure,
General Ledger Codes, Scheme Codes, Business Rules, Non Customers’ Accounts like
Sundry Accounts, Suspense Accounts and Profit and Loss Accounts etc. are decided,
parameterised and captured in the CBS System.
4
Customisation:-
After the parameterisation process, Customisation is the next important process.
Generally, the CBS Software is an open BOX. It requires bank specific customisation.
This process includes workflow, internal process, identifying field level customization
like “Mandatory” or “Optional” Fields. Bank specific Reports and scripts etc.
Migration:-
In case Bank branches are already working on non-core banking system –
migration to CBS becomes very important for total shift from legacy system i.e.
“Decentralised” mode to “Centralised” mode. At this stage data cleaning and correct data
entry is important, as it creates issues at post migration level stage. Before going live on
CBS System, thorough checking of migrated data, data cleaning and complete data
feeding is very much essential.
EOD / BOD CONCEPT in CBS:-

The concept of End of Day [EOD] and Beginning of the Day [BOD] has changed
entirely in the CBS environment. These are no longer branch activities, now these
activities are undertaken at a central location i.e. Data Center.
During the day, users at branches, and also through other delivery channels,
undertake various transactions involving accounts of different Branches. These
transactions may belong to any category – Cash, Transfer or Clearing; Customer induced
or Bank induced.
During EOD process, incomplete transactions where only one leg is posted, drafts
are not printed, cash is not balanced etc. are checked. The EOD will not get through
unless all the processes set by the Bank are gone through correctly.
The Data Centre can proceed for EOD process only after the entire work has been
completed at all the networked Branches. During the Central EOD [i.e. at DC], many
processes like interest calculation, execution of standing instruction, inter-Branch
transactions, inter branch reconciliation, transfer of funds in flexi deposits, regularization
of TOD, etc. are carried out.
Similarly the Beginning of the Day [BOD] is also done by the Data Centre. . CBS
has enabled branches to provide customer services for longer duration.
Normally, after business hours or EOD process no Financial Transactions are
allowed through the CBS System. CBS System provides Value dating [as of] as well as
Back dated features.
ISSUES IN CBS:-
1. Data cleaning [in case of migration from Non CBS to CBS] and Data Updation
are real challenges. The unique IT initiative of CBS is expected to exploit more
on “Information” rather than the “Technology”.
5
2. A “True Single Window” concept to be adopted to exploit the CBS functionalities

to the fullest extent.
3. Return on huge Investment on CBS takes longer time.
4. Change Management at all levels including Customers, Bank Management and
also Staff is required.
6
2> JOB CARDS / WORK FLOW OF CBS:-

The CBS System provides modular facility for convenience and need based
implementation of the specific module/s in a phased manner. Normally following is the
work flow of any Core or Main Module of a CBS system.
a. Employee / User Master Module

b. Customer Master Module
c. Account Master Module
I> CD/SB Deposits Module
II> Term Deposits Module
III> Loan and Advances Module
IV> Security Register Module
V> Borrower Exposure Limits Maintenance Module
VI> Asset Classification and Provisioning Module
VII> Write Off Accounts
VIII> Stock Audit / Consortium Advance etc. Module
d. Transactions Module
I> Cash / Clearing / Transfer
II> Entry / Posting / Verification
III> Dummy, Proxy, Part, Bulk Transactions and BCCT
e. Sensitive Stationery Maintenance Module
f. Remittances Module – DD, PO, RTGS, NEFT, ECS [Dr. /Cr.]
g. Trade Finance and Foreign Exchange Module
I> Bank Guarantee [Inland / Foreign]
II> Documentary Credit [Inland / Foreign]
III> Forward Contract / EPC / Buyers Credit
h. Other Services and Products – SDV, GBM, DSA etc.
i. Non- Customers Accounts Module
I> Profit and Loss Account
II> General Ledger Accounts
III> Suspense and Sundry Accounts
j. Web Enabled Services and Products
k. Call Center, Help Desk Modules
l. BCP and DRP in CBS
a> Employee / User Master Module :-

1. This is the first option where all Employees / Users Data are created in the CBS
System.
2. Only the employees for whom the records are created will be able to use the
application after further set ups are done. This is the first step towards creation of
valid application users of CBS System.
7
3. Any user who wants to log into the application should have a valid application
user ID. This record contains all the information on the user with regard to his /
her branch address. The record has also other security information like password,
login time, low and high etc. Based on this information, the system does
validations during logging in and allows the user to login.
4. Employees of the Bank, who are expected to work on Core Banking Software,
are defined as Users. Generally, Provident Fund No (which is Unique). Of the
Employee is used as the User-ID for that employee.
5. Each User-Id is assigned a Work Class (which decides the powers vested for the
user to have access to the menu, to override exceptions, passing / posting powers
etc). Various work classes for the users can be defined in the system like -
Operator, Teller, Cashier, Special Assistant, Supervisor, Second line
functionaries, Branch-in-charge, Data Base Administrator at Data Centre,
Auditor, All rights (Restricted to Data Centre officials) etc.
6. Each user in a branch is required to perform a different role depending upon his
designation and assignment of the duties by the bank, for e.g. a Senior Manager
can be posted as Branch Manager in a branch or he may be posted as Second line
functionary in Very Large Branch; in both the cases the role of the Senior
Manage will be different in the different Branches. Accordingly, each User-Id is
also assigned a Role-Id. The Roles defined in CBS System are ‘Supervisor’,
‘Teller’, ‘Cashier-in-charge’, ‘Auditor’ etc. Appropriate rights have been given
to each Role. ‘Auditor’ has rights to ‘Inquire’ and ‘View’ the reports, master-data
etc. Special Assistants and Officers are authorised to ‘Verify’ the transactions and
so on.
7. Different concepts as regards the entry, posting, and verification viz-a-viz stages
of each transaction processing are adopted. Generally, Maker - Checker concept,
where each transaction is entered by an operator and verified by a supervisor is in
vogue.
8. Therefore, the users who are defined as Teller, Cashier-in-charge, Special
Assistants. Officers can create / enter the transactions and other Supervisory User
can verify the Transaction. Under CBS System, users would be required to create
transactions and post them across the branches (Service Outlets as they are
referred to in CBS System). In order to exploit fully the functionalities offered by
CBS System, users may be required to carry out transactions from a Central
location covering all the branches under that particular centre / location as per the
need of the bank. Based on the above requirement, it is mandatory that Single
window concept is working at the branch.
Important Fields / Features for Employee/ User ID –
1. Employee / User ID
All the users in CBS system are allotted User-ID as per the Policy and requirements.
Generally, for Employees the Banks are using the PF No. as User- ID and for Direct
Selling Agents (DSA) and other outsiders such as Outsourced Data Entry Operators etc.
different suitable System is followed.
8
2. Branch Code
Each branch of Bank has a Unique Branch code as per bank policy. This Branch code is
mandatory for attaching an employee / user ID for all practical purposes.
3. Employee / User Tenor

Each Employee / User are required to be mentioned whether he/she can work in a
particular branch (Captive User) or can work in any of the networked branch ( Free User)
under CBS environment.
4. Application Name / Role ID / Work Class

Appropriate Application Name, Role ID & Work Class, Designation of an employee to
be given to the user based on the functional requirement to that user. This indicates the
type of operations the user is going to carry out. Depending on this, the menu tree is
available to the user.
5. Login Time Low/High

This indicates the time, from and to, which the user is allowed to log in to the software.
The system disables logon to a user before and after the specified time. However, if a
user logs in to the application before the end time he can continue to function even
though the time crosses the high time.
6. Temporary Work Class

If the user is assigned any temporary role or work class or assignment other than his
existing role or work class this information is required to be captured. This information
should also mention the date till which the Temporary work class is assigned (if
assigned).
7. Maximum Inactive Time

This information will have control over time in minutes, after which the system logs out
the inactive user automatically.
8. Account Expiry Date

This is to be set by the DBA at the Data Center. During creation of the record, based
upon the Bank’s policy this period should be indicated. Generally, the retirement date is
Account Expiry in case of employees and in case of DSAs’ and outsourced data entry
operator, as per the arrangement and agreements with the bank. In case of a transfer of an
employee from one branch to another networked branch, only branch code is required to
be changed.
9. User Disabled Till

This field is for disabling an employee / user on leave / deputation if any.
10. Password
Enter the password (To be changed by the user at the time of his first login). Capability
to implement Pass word Policy as per the Bank’s ISSP
9
11. Role of Terminal Benefit & Human Resources Department

The Bank’s Human Resources will have greater role to play in maintaining data of all
Employees, their placement, relieving and other personal information which can also be
used by the Bank for Human Resource Management Systems [HRMS].
b> Customer Master Module :-

There is a unique Customer ID for each customer across the Bank. All types of
accounts and facilities of a customer enjoyed at all branches of the Bank are linked to
this Customer ID. Normally, following details are required for creating Customer ID;
(A) Personal Details, (B) General Details, (C) MIS Information, (D) Minor Details,
(E) NRE Details, (F) Trade Finance Details, (G) Guarantors, Directors, Partners,
Joint Account Holders Details, (H) Buyer / Seller Limit , (I) KYC Details
(A) Personal Details
Entire personal details of a Customer are to be captured, like Customer Name, Short
Name, Gender, Marital Status, Staff Status, if Staff, Employee ID, Minor status, Date of
Birth, Non Resident status, National ID Card No, Address Detail [i.e. Office, Residential
etc], Telephone, Fax, Mobile, Telex, Email details, etc.
(B) General Details

Branch Code, A/c. Manager, Allow Sweeps, Trade Finance Customer, SWIFT / IFSC /
MICR Code, Purge facility, Customer Preferential till Date, DSA ID, Statement
requirements, Introducer Details, Charge Turnover Required, Charge Code, Account
Level Charges, Customer Level Charges, Credit Card details, ATM / Debit Card Details,
TDS Details, Income Tax No. (PAN No.), Financial details of the customer (Net worth,
Investment, deposits, fund & Non fund based limits, limits with other banks etc.),
Currency in which a/c are maintained, TOD allowed, Withholding Tax details, Customer
preferential Interest Dr/Cr details, Language Preference details, etc.
(C) MIS Information:

Group, Status, Occupation, Constitution, Bank code, Caste, Community, Health Code,
Credit rating, Organization code, Scheme code, sick code, Free Code ( can be utilized to
capture any other information like RBI BSR Codes etc.), etc.
(D) Minor Details

In case a Customer is a Minor, following additional information need to be captured.
Date of Birth, Attains Majority on, and Guardian details, Address etc.
10
(E) NRE Details

In case a Customer is a NRI, following additional information need to be captured.
Nationality, Date of becoming Non-resident, Country details, Relative Name, Local
Address, City, State, Postal Code, Country, Non-resident becoming Resident etc.
(F) Trade Finance Details

If a customer is an exporter or importer or dealing in Inland trade or having Bank
Guarantee or Documentary Credit or Forward Contract facility; following additional
details need to be captured.
Code given by RBI, IEC Code, Exporter and/or Importer, Native, Review date,
SSI/SME, 100 % EOU, Status, Constitution, Inland Trade allowed, Forward Contract
details, Documentary Credit details, Bank Guarantee Details, Production cycle etc.
(G) Guarantors, Directors, Partners and Joint A/c Holders

As per the constitution of the Customer following additional information are required to
be captured. Multiple record of the related party can be captured.
Customer ID of the concerned or related Party, Name, Relation, and other details are
required to enter.
(H) Buyer /Seller Limit Details

CBS system is capable to maintain Buyer / Seller wise limit in case of bill financing,
which can track the exposure on individual buyer or seller as per the exposure limit set
by the bank. Following additional details need to be captured for the same.
Drawee Code, Usance / Sight, CCY Code, Import Limit, Utilised Import Limit, Buy
Limit, Utilised Buy Limit, Export Limit, Utilised Export Limit, Sell Limit, Utilised Sell
Limit etc.
(I) KYC Details

PAN Card, Driving License, Address Proof – Telephone Bill, Electricity Bill, Other
relevant information regarding identification etc.
Additional Fields / Feature for Customer Master Module –
1. Linking of A/c - In order to know the Value of the Customer, all A/cs of the
customer need to be linked with One Customer ID. This will help the bank to arrive
at the surplus after considering the Interest expenditure on deposits from the Income
earned from advances Exposure and income earned from other ancillary business.
TDS will be deducted from the interest from all linked deposit accounts. TDS can be
deducted from any one of the a/c instead of deducting from different a/cs.
simultaneously, in case of non-availability of funds in TDS a/c, the system can mark
the lien on the deposit a/c for TDS amount.
11
2. Pooling of A/c - This facility provides the customer to manage effective utilization
of idle funds lying in different a/cs. This can be customized as per the requirement of
the customer, period of transfer, cut off balance in any of the a/c.
3. Staff A/c - For the purpose of getting additional benefit on rate of interest and
benefit of exemption / concession in various charges levied by the bank, the
Customer ID for the Staff Member need to be given the Employee ID.
4. Back office Functions – To provide efficient Customer Services, new Customers’

Account can be made Back office function. The branch can be allowed to open the
accounts with following minimum mandatory fields :
Name of the Customer, Date of Birth, Address, Type of the Account to be opened etc.
needs to be captured and Customer ID is generated. Rest of the details can be handled at
the Back Office.
c> Account Master Module :–
I> Current / Savings Deposit:-
Following are the common fields and work flow for Current Deposits Accounts and
Saving Deposits Accounts CURRENT / SAVINGS:
(A) General Details, (B) Interest Details, (C) Payment System Details, (D) Scheme
Details, (E) Nomination Details, (F) Joint Account Holder, Partner, Director
Details, (G) MIS Codes, (H) Account Limits, (I) Flexi Fixed Deposits Details, (J)
Other Details.
(A) General Details – Customer ID, Account Name, Account Open Date, Branch Code,
Fee Level Code, Location Code, Currency Code details, Scheme Code, General Ledger
Head, Account Manager, Cash Exception Limit Dr./Cr., Clearing Exception Limit
Dr./Cr., Transfer Exception Limit Dr./Cr., Account Report Code, Collect Fees, Turnover
Details, Additional Notes, Employee Id., Relative to Employee, Relative Employee ID,
Account Statement, Sweep allowed, Turnover Details, Statement Frequency Local
Calendar, Dispatch Mode, Mode of Operation, Next Print Date, Contact Phone No.,
Allow Sweeps, ECS Enabled etc.
(B) Interest Details – Appropriate Interest Rate Table, Compounding Details, Panel
Interest Details, and Concessions Details, Pay Interest, Collect Interest, Customer
Preferential, Account Preferential, Account Pegging Details, Tax and Withholding Tax
Details, TDS Details, Next Interest Calculation Frequency details etc.
(C) Payment System Details – Account Number, Amount, Excess / Short Balance
details, Round Off details, Value date, Rate Code, Report Code, Ref. No., Particulars,
Collect Fees, SWIFT / SFMS Details, DSA Info., Other Optional & Additional fields etc.
12
(D) Scheme Details – Cheque Allowed, Recover Fee for Cheque Book Issue, Return
Paid Cheque Book, Paid Cheque, Return Cheque Frequency, Account Health Code,
Sweep-in Minimum Balance, Nomination, Debit Balance Limit, Maximum Allowed
Limit, Credit File No., Debt Acknowledgement Date etc.
(E) Nomination Details – Name of the Nominee, Registration no., Address, Date of
Birth, Guardian Detail etc.
(F) Joint Account Holder, Partner, Director Details – Relation Type, Relation Code,
Designation Code, Customer ID, Address, Communication Details, Print Statement, etc.
(G) MIS Code – Sector Code, Sub sector code, occupation code, purpose code, mode of
advance, type of advance, Nature of Advance, Industry Code, Guarantee Coverage, etc.
(H) Account Limits - Sanction Limit, Limit Level Interest, Sanction Date, Expiry Date,
Penal Interest, Document Date, Drawing Power details, Renewal Date, Customer /
Account Preferential Interest, Limit ID, Withdrawal Against effect, etc.
(I) Flexi Fixed Deposits Details - Auto Sweep, Sweep out in Multiple of, sweep Out
Deposit period, Sweep out frequency, Interest Rate Code, Repayment Instructions, Tax
Category, Auto Renewal, Auto Renewal Period, Auto Closure, etc.
(J) Other Details - SWIFT details, DSA Information etc.
II> Important/Additional fields related to Term Deposits –
(A) General Detail, (B) Interest & Tax Details, (C) Scheme Details, (D) Transfer –
In Details, (E) Flow Details, (F) Renewal & Closure Details, (G) Nomination Details
(H) MIS Codes
(A) General Details – A/c Name, A/c Open date, Mode of Operation, Location Code,
A/c manager, Cash/Clearing/Transfer Exception Limit, A/c Statement, Frequency of A/c
Statement, etc.
(B) Interest & Tax Details - Customer preferential Interest, Fix rate or Floating Rate,
Resetting frequency in case of Fixed Rate, Interest Rate Code, Interest Credit A/c, Tax
Category, Withholding Tax Level, Withholding Tax %, TDS operative A/c ID, etc.
(C) Scheme Details - Deposit Type, Value Date, Deposit Period, Break Deposit in
Multiple of, Repayment A/c, Linked Operative A/c, Linked Loan A/c, Maturity date,
Maturity Value, Total Interest, etc.
(D) Transfer – In Details - In case of any Term Deposit A/c gets transferred from other
branch of the Bank which is not under CBS Network, these details need to be filled in.;
Cumulative repayment, Cumulative principal, Cumulative interest Paid, Cumulative

Interest Credited, Penalty calculated, Penalty recovered, Penalty waived, TDS Amount,
Last Interest Application Date, etc.
13
E) Flow Details – Principal Inflow/outflow, Interest Inflow/ Outflow, Installment

Inflow, Interest Advanced, Consolidated Interest Inflow, Consolidated Interest Outflow,
Penalty Inflow, Repayment Outflow, Total outflow, etc.
(F) Renewal & Closure Details – Auto Closure, Auto Renewal, Maximum Renewal
allowed, Renewal Period, Renewal Amount, Renewal additional Amount, A/c No. for
Additional amount, etc.
(G)Nomination Details – Name of the Nominee, Registration no., Address, Date of
Birth, Guardian Detail, etc.
(H) MIS Code – Sector, Sub sector code, occupation code, purpose code, mode of
advance, type of advance, Nature of Advance, Industry Code, Guarantee Coverage, etc.
III> Loan and Advances: –
III – A: - For Cash Credit and Over Draft A/cs following details are captured –
(A) General Details, (B) Interest Details, (C) Payment System Details, (D) Scheme
Details, (E) Nomination Details, (F) Joint Account Holder, Partner, Director
Details, (G) MIS Codes, (H) Account Limits, (I) Flexi Fixed Deposits Details, (J)
Other Details like Payment Details, Document Details etc.
The description of all the above details has already been given under - Current / Savings
Deposit A/cs. Additional information is as under:
(H) Account Limits – Security Details, Review Date, Sanctioning Authority, Limit
Level Interest Details, Debits against Clearing Credit limits etc.
(J) Other Details – Document Code, Received date, Due Date, Expiry Date, [this
information can be captured as “Multiple records”.], Pledge Details, Collateral Security
Details, Drawing Power Details like Derived or Maintained or Equal etc.,
III – B: - For LOAN A/cs following are the common fields –
(A) General Details, (B) Interest Details, (C) Scheme Details, (D) Flow Details, (E)
Transfer – In Details, (F) Nomination Details, (G) MIS Codes, (H) Joint Account
Holder, Partner, Director Details, (I) PDC Maintenance, (J) Document Details, (K)
Disbursement Details and Charges Details, etc.
A) General Detail - Details as per Current /Savings Deposit A/cs.
(B) Interest Details – Interest on principal, Penal Interest on principal Demand overdue,
principal overdue Period, Interest on Interest Demand, Penal Interest On interest
overdue, late fee for delayed payment, grace period for late fee etc.
14
(C) Scheme Details – Types of Loan like Term Loan or Demand Loan etc. Education
Loan, Staff Loan, Consumer Loan, Mortgage Loan Housing Loan etc., Loan amount,
Loan period, Credit proposal no. Review Details, Lien marking for overdue installment,
Frequency of repayment of Loan and Interest, Method of repayment, Repayment
Currency, Acknowledgement of Debt, Margin, Health Code, Insurance Cover Detail,
Refinance Detail, Subsidy Details, processing fee details, Activity code for DICGC,
Currency Details, Rescheduling Details, Repayment Holiday details etc.
(D) Flow Details - Installment Start Date, Installment Frequency, Frequency Type,
Amortization Schedule etc., Rephase EMI details, Loan Pay Off details, unscheduled
repayment details,
(E) Transfer – In Details – loan amount, Tenor, Rate of Interest Installment amount
EMI, Installment Details, Interest Details, Cumulative Interest details, Discount details.
(F) Nomination Details – Details as per Current / Savings Deposit A/cs.
(G) MIS Codes - Details as per Current / Savings Deposit A/cs.
(H) Joint Account Holder, Partner, Director Details - Details as per Current / Savings
Deposit A/cs.
(I) PDC Maintenance – Start Instrument No., No. of PDCs, MICR Code, Amount, Bank
Code, Customer ID, Transfer A/c ID etc.
(J) Document Details - Document Code, Valid up to Date, Expirer / Review Details etc.,
No Objection Letter,
(K) Disbursement Details / Charges Details – Frequency of Charges, Concession in

charges, collection, waiver & refund of charges etc., Repayment Method, Dealer
Contribution details, DD details [if disbursed through DD], Other Bank account details,
Refund details, Amendment and rescheduling details
III> - C: - Temporary Overdraft & Over Limit –
Temporary overdraft [TOD] / Temporary over limits [TOL] can be clean or secured.
Generally TODs’ are granted for a very short period. Following information can be
captured for this module.
TOD amount, Date of TOD, Interest Rate code, Type of TOD like Single transaction
allowed or running limit, Secured or unsecured etc., Number of times permitted, Penal
Interest details, Sanctioning authority details, Duration of TOD, Clean / Secured, Status
etc., Auto TOD allowed like during Cash, Clearing and Transfer etc., Events for TOD
allowed, etc.
15
IV> Security Register: –
Various types of securities are offered by the borrowers for availing of credit limits.
These securities are used either as the primary or secondary security to cover the advance
amount. Security can be movable and or immovable. The CBS System provides a
suitable coding system for attaching the security. The information regarding Inspection,
Insurance, charges can also be captured under the security register.
Security Code, Description, Collateral / Primary, Company code, Unit Value, Face
Value, Market Value, Repurchase Value, Margin, Fees details, Currency code,
Inspection Details, Insurance Details, Charge Detail, Freeze Details, Demat Details, etc.
Above information can have multiple records such as multiple / part lien marking
facility. This can also include Book Debts, Shares and paper securities, Gold & Jewellary
or any other type of security. Appropriate charges and fees can be automated and
customized as per the need of the bank, etc.
V> Borrower Exposure Maintenance (BEM): –
CBS System maintains Borrower Exposure Limits like Fund based, Non-Fund based.
With this, consolidated position of all the accounts of a borrower customer can be arrived
at. In this module, following additional details are captured:
Define all exposure limits, Fund based, non fund based, Types of Facilities like Term
Loan, Working Capital Limits etc., Limits and sub limits, Margin, Types of Security,
Details of Security, Linking of Accounts, Interchangeability of the Limits, Currency
details, Revaluation details, Limit utilisation history, etc.
VI> Asset Classification and Provisioning Norms – [NPA A/cs]
Following additional details needs to be captured: IRAC Norms and parameters details,
Security details and linkage with Security Register, Customer ID, Scheme Code,
Register Type, Account ID, Interest Calculation details, Currency Details, Manual
marking allowed, Stoppage of Interest application, Provisioning details etc.
VII> Written off and Recovery in the Accounts –
Based on the position of the NPA A/cs and bank’s policy, following additional data
needs to be captured to utilise this functionality:
Value of security, Date of NPA, Write off parameters, types of write off [Regular or
Prudential], Accounting details, Interest accrual, Booking and Collection details, Recall
date, Lien details, Overdue position, Recovery allowed and other related details etc.
In case of recovery in write off a/cs, additional details required to be captured: Value
date, Recovery amount, Source details, Treasury or Head Office A/c details, Reversal
Reference details, Charges / fees details, booked interest details, currency details, etc.
16
VIII> STOCK AUDIT – [SA] / CONSORTIUM LENDING:-
Stock Audit –
Normally following details are captured for this module :

Periodicity of SA, Limit details [presently Rs.1 Cr and above], Type of the A/cs [CC,
WCDL, PCA etc.], Type of Stock [RM, BD, FG etc.], Type of Security [Primary /
Colateral], Credit Ratings [Prime / AAA] etc., PSU category, Share of Bank, Amount of
Exposure, Auditors’ details, Relisable Value of Security [RVS] in NPA A/cs etc.
Consortium Lending –
Various fields required to be captured for the purpose of Consortium Advance and
Meetings are as under:
Account No, Lead Bank, Member Bank, Meeting Frequency, 1st Quarter Inspection, 2nd
Quarter Inspection, 3rd Quarter Inspection and 4th Quarter Inspection, Address, Total
Share of All Banks, Share of the bank and Is Bank the Leader (Y/N).
For Meeting, details in various fields as follows:
Current Meeting Date (Cannot be a future date), Last Meeting Date, Next Meeting Date,
Approval of Last MOM, Date of preparation of Minutes, Date of Communicating
Minutes and Comments.
d> Transactions in CBS –
Self Balancing Transactions –

CBS system allows full control over each type of transaction handled by each group of
employees in a bank. Each transaction set is self balancing i.e. the amount of debit &
credit entry are self matching and sequentially numbered for proper identification for
future references.
Transactions can be created online in single and/or multiple currency or as a result of
Execution of Standing Instructions, Clearing Processes or Web based transactions.
Depending upon the type of transactions, details are filledup and system will also flash
the “status” of the transactions.
Entry, Posting and Verification –
There are three stages of any transaction. These stages are customized by the Bank
before implementation of the CBS System.
Entry: The data corresponding to a transaction can be entered without any further
operation. Unbalanced batch details may also be entered. An unbalanced transaction can
be entered with a confirmation from the user. The User ID of the person entering the
transaction, the date and the time are captured. If any exception is encountered, an
17
appropriate message is displayed. On completion of data entry, a transaction ID is

assigned to each transaction.
Posting: After the transaction entry is complete, it should be posted. Posting can be done
at the part transaction level. Exceptions encountered are displayed for each part
transaction. Only a user who has “access” to the account or who has entered the
transaction and has the authority for posting can post a part transaction. The posting
process updates the balance in the account.
Verification: Transaction verification is the last activity. The person who has entered
and / or posted the transaction cannot verify it. The person entering the transaction can
verify the transaction if the transaction has been modified and posted by some other user.
To verify a transaction the person must have the required work class. This ensures dual
control over transactions. If a person, who has the verifying authority, posts a
transaction, the transaction is automatically verified.
It is obvious that once the transaction is verified this transaction cannot be reversed
through system. This has to be reversed manually.
As per the parameters, some of the transactions like System generated transactions are
also reversed automatically by the system. Under System Reversal mode, the system
creates the reversal transaction and updates the reversal flag of the transaction as
reversed. This is stored as reversal flag in the table. Due to some exceptions, if the
reversal transaction posting is not going through, this can be posted manually.
Cash, Clearing and Transfer –
There are different types of financial transactions in the Bank Viz. Cash, Clearing and
Transfer. Follwing are common fieds to be captured:
Account number, Cr. Or Dr. transaction, Currency, Details of Transaction, Other Bank
details, Instrumnet no. Clearing Zones, TOD allowed, Penal Interest etc.
Following is the process for all these transactions.
In Cash type of transactions, the receipt or payment is made by the teller. At the time of
receiving the cash, the system debits the cash a/c of the teller and credits the customer a/c
and in case of payment, the Customer A/c gets debited and Cash A/c of the Teller gets
credited. Hence, cash always gets balanced. This will also facilitate the teller and the
cashier to balance their cash in hand on real time basis. In case of single currency cash
transactions, only one credit and one or more debits are possible. The sum of the debits is
taken as the credit amount and the part transaction is generated by the system. For cash
receipts, only one debit and one or more credits are possible. The sum of the credits is
taken as the debit amount and the part transaction for debit to cash account is generated
by the system.
18
In Transfer type of transaction the system is capable of handling single / multiple debit
and multiple / single credit or vice versa. The system is also capable of handling the
multi currency transaction. Even the cross currency transactions can be handled by the
CBS Software. The system balances each transfer set and throws warning in case of
unbalanced sets.
The system is also capable of providing the facility of posting of partial transactions as
well as Dummy (proxy) posting to facilitate the normal functioning of the branches.
The tracking of the dummy posting is required to be done by the branch.
Some of the transfer transaction where one leg of the transaction is bank induced, the
system will generate the balancing voucher. The System generated transactions facilitate
the branch to reduce its work significantly.
Non Web enabled Transactions – To facilitate corporate customers, CBS has facility to
prepare the files [e.g. payroll] in the format specified by the bank for processing. This
bulk posting facility can be enabled from the Customers place.
In Clearing module, there are two types of clearing viz.- outward clearing and inward
clearing. Direct or bulk posting process is possible in the CBS Outward Clearing
system. The system also supports multi currency transactions by using different clearing
zones in the system. Control over the release of zone and regularising the same can be
done in customised manner as per the requirements of the bank. The system also
facilitats the immediate release of funds in case of high networth customers. The System
also has provision to include the post dated cheque in outward clearing on the due date
of the cheque. This module also provides the latest technology of cheque imaging and
Cheque Truncation.
Inward Clearing module is a user friendly and open ended having all the features
available in the outward clearing module. System supports the uploading of inward
clearing from the centalised location for the local branches as per the soft copy received
from clearing house. Additionaly the Inward clearing module provides TOD / proxy /
underlien posting facility. Now the CBS system provides the facility to undertake the
clearing job by the DSAs’/ outsourced third party agencies.
There is a provision for Opening and suspending Clearing Zones. In case of any
rejections or returns, charges are set up in the CBS System.
There is a provision of suspending a zone to prevent addition of any further instruments
to the zone. Instrument entry is not allowed after the zone is suspended. To re-start entry
of instruments, the suspension must be revoked.
All the above three types of transaction viz – cash, clearing & transfer can done from any
branch in the CBS environment.
19
BCTT –
To cope up with the introduction of BCTT (Banking Cash Transaction Tax), the CBS
system provides the facilty to calculate and deduct the BCTT from individual a/cs’ on
daily basis and keep it in some non customer a/c from where the tax can be remitted.
Abnormal Transactions –
There are some abnormal transaction limits, which are set at a parameter level, scheme
level and product level where the user can monitor transactions that are being put
through an account. Abnormal transaction limits are set for all types of transaction –
Cash, Clearing and Transfer. There is also a provision to set up limits for new account.
Whenever such limits are exceeded, the system puts an entry into a separate table for
future reference of the user. Such transactions can be inquired subsequently through –
Abnormal Transaction Inquiry.
Error Handling in CBS environment –
Banks parameterise different types of error handling rules. Accordingly, the messages
get displayed. Normally, there are three types of errors in CBS environment :
Warning – allows the user to proceed further with a warning message like “payment
against clearing” etc. There will not be any report or noting thereof.
Exception – allows with the permission or sanction of the higher work class user like
“Exceeds limit” etc. These will be reported in the exception transaction report or
“Audit Trail”.
Error – no official can allow such transactions like “Cheque stopped by the
Customer”.
Parking Accounts –
A Parking Account is a Temporary Account for routing transactions, where the bank or
branch is not in a position to post usual transactions on another bank or branch.
Signature handling in CBS –
CBS System supports storing and retrieving of signatures of customer/account holders.

There is a facility to group signatures into different categories and based on the grouping,
assign permissions to users for viewing. Dormant account signatures can be classified
separately and access to such signatures controlled. There is a facility to display
signatures from local branch databases. Following details are captured:
User ID, Customer ID, Operation Instructions, Branch Code , Key word, Delete / Modify
Record – History etc.
20
Standing Instruction Module in CBS –
Following information needs to be captured: List of SI, Customer Induced or Bank

Induced, Account details, Amount of SI, Frequency, Holiday rules, Time of execution
like EOD, BOD or any time etc., Charges Details, Auto or Manual allowed, Partial
Transaction allowed, Resetting rules, SI rules single or multiple accounts Dr / Cr etc.,
Advise rules address etc., Advance SI calendar details, etc.
E> SENSITIVE STATIONERY MAINTENANCE MODULE
CBS System provides a unique facility of maintaining inventory of sensitive

stationery like Demand Drafts, Cheque Book, and Fixed Deposit Receipts etc.
Like dual control system in physical environment; this facility is also available in
CBS environment with the two users. Depending upon the Bank requirements and needs,
parameters can be set for accessing, issuing, crossing, verification and payment of
stationery items.
Sensitive Stationery like Cheque book maintenance i.e. marking of

acknowledgement received, marking caution and revoking caution for cheques reported
lost, destroying unused cheques before closure of account, verification/cancellation of
changes done through CBS System.
STOP PAYMENT -
Stop Payment instructions for cheque can be entered only if concerned cheque
book has been acknowledged by customer and is duly entered in the system. Therefore, it
is necessary that cheque book should be in acknowledged status before any stop payment
instructions are entered in the system. There is a system for revocation and cancellation
of instructions.
F> Remittances:-
Demand Draft:-
For issuing DD from one CBS Branch to another CBS Branch, each CBS branch will be
having one Office Account, which will be credited while issuing the draft and debited
while paying the draft.
At the end of day (EOD) process, DD accounts in various CBS branches will be funded
by debiting the DD account of the issuing branch and crediting DD Account of Paying
Branch. Advice of Drawing [AOD] is not required in this case.
21
Following information is normally required for DD on CBS branches:

DD Functions like DD issue, duplicate etc, Date of Issue, Purchaser details, Ref No,
Commission details, Concession details, Transaction Type i.e. Cash, Clearing and
Transfer, Customer Induced or Bank Induced, Print Details, Mass DD details, Cancelled
DD details, Currency, etc.
Following information is normally required for DD on Non CBS branches:

At the end of day [EOD] DD Advice (AOD) is generated. This will debit the DD Issue
Account and credit the MHO or Head Office or Pool Account. The physical advice
generated is to be sent to the respective non-CBS System branch (es).
Lost DD / Cancellation of DD –
In case of lost DD or Cancellation of DD; following additional information is required;
Details of DD reported lost or to be cancelled, DD issue details, Duplicate DD Check,

Charges details, DD Non payment check, Currency details etc.
RTGS / NEFT / ECS Module
Normally all CBS branches are RTGS / NEFT enabled. Following information is
required:
IEFC Codes of the beneficiary banks, Beneficiary details, Charge details, Bank/Branch
Code of the Receiver Institution Details, Value date, Dr / Cr Account no, Particulars –
payment details, Reimbursement details, etc. Rest all other fields are same as stated in
the DD module.
PROCEDURE FOR TREASURY FUNDING TRANSACTIONS:

Typically there are two main types of Funding transactions i.e. Payment and Receipt.
Payment transaction is one where the branch is in need of funds. Receipt transaction is
one where the branch is remitting excess funds to Treasury.
In case of Payment type of transactions there will be four sub types: Remittance – RBI,
Remittance – others, TT – discounting – RBI, TT – discounting – others etc.
CBS supports direct debit of ATM transactions. The cash reconciliation between two
branches either on CBS or Non CBS can be possible. For this purpose full details of
Account holder or Bank branch details are to be captured. Moreover upon all the Cash
Branches migrating to CBS System the cash leg of the transaction will be credited online
to the respective Cash Branch thereby reducing efforts for reconciliation.
22
G> TRADE FINANCE / FOREIGN EXCHANGE

Under this Module, following activities are covered:-
i) Bill Maintenance (Inland & Foreign)
ii) Bank Guarantee (Inland & Foreign)
iii) Documentary Credit (Inland, Foreign& Inward/Outward)
iv) Export Finance
v) Packing Credit
vi) Remittances (Inward/Outward)
vii) Forward Contracts
viii) R Returns/IBS BR Statement/NRDCSR Statement
Bill Maintenance - Normally, following key fields are captured in CBS System:-
(A)Type of the Bill, (B) Register Type, (C) Bill Amount, (D) Drawee Details, (E)
Lodgment Details, (F) Document Details – invoice etc., (G) Other Party Details, (H) Bill
Tenor – Usance or D.A., (I) Transit Period, (J) Grace Period, (K) Transport Details, (L)
Rebate Details, (M) Health Code, (N) Limits, (O) Exchange Rate Details, (P) Charges
Details, (Q) Customer Preferential Interest Details, (R) Bills Preferential Interest Details,
(S) Information about Transfer/Protest/Realisation/Purchase/Close/Dishonour (T)Margin
etc.
For Foreign Bill Business, following additional information required:-
(A) Party Country Details, (B) Currency Details, (C) Remittance Mode – SWIFT etc, (D)
NTP/Grace Period (E) Notional Due Date, (F) Drawee Bank Details, (G) Correspondent
Bank Details, (G) NOSTRO Account Details, (H) Under Documentary Credit Details,
(I) RBI Permission Details, (J) Shipment Details, (K) INCO Terms Details, (L) Insurance
Details, (M) EEFC Details, (N) ECGC Details, (O) Overdue Charges Details,
(P) Co-acceptance Details, (Q) Transfer of Bills Details, ® De-linking of Bills Details,
(S) Dishonour of Bills Details, (T) Recover or Receive of Proceeds of Bills Details,
(U)Multi Tenor Foreign Bill Details etc.
23
BANK GUARANTEE (INDIAN/FOREIGN): Normally, following key fields are

captured in CBS System:-
(A) Guarantee Type - Inland/Foreign, (B) Customer ID, (C) Guarantee Class –
Financial/Performance etc., (D) Issue Date, (E) Limit Details, (F) Loan Account Details,
(G) Expiry Details, (H) Claim Period Details, (I) Reversal Details, (J) Conversion
Details, (K)Invocation Details, (L) Beneficiary Details, (M)Margin Details, (N) Purpose
Details, (O)Counter Guarantee Details, (P) Charges Details, (Q) Lien Account Details,
((R) Installment Details – In case of DPG etc.
DOCUMENTARY CREDIT (INDIAN/FOREIGN AND INWARD/OUTWARD):-
INWARD DOCUMENTARY CREDIT: Normally, following key fields are captured in

case of Inward Documentary Credit in CBS System:-
(A)Function of IDC, (B) DC Register, (C) Beneficiary Details, (D) Applicant Details,
(E) Issuing Bank Details, (E) Currency Details, (F) IDC Amount Details, (G) Expiry
Details, (H) Shipment Details, (I) Negotiation Days Details, (J) Type of Documentary
Credit – Transferable, Confirmed etc. (K) Limit Details, (L) Tenor Details,
(M) Correspondent Bank Details, (N) Advising Bank Details, (O) Negotiating Bank
Details (P) Reimbursing Bank Details, (Q) Charge Details, (R) Transferee Details, (S)
Amendment Details, (T)Reinstatement of IDC Details, (U) Bill Utilisation Details, (V)
Closed IDC Details etc.
OUTWARD DOCUMENTARY CREDIT: - Normally, following key fields are captured

in case of Outward Documentary Credit in CBS System
(A)Outward Documentary Credit (ODC) Register, (B) Applicant Details, (C) Drawee
Details, (D) Date of Opening, (E)Date of Expiry, (F) /Place of Expiry, (G)ODC Amount,
(H) Tolerance Details, (I) Exchange Rate Details, (J) Limit Details, (K) Margin Details,
(L)Party Details, (M) Forward Contract Details, (N) Tenor Details, (O) Shipment and
Shipment Term Details, (P) Beneficiary Details, (Q) Country Details, (R ) Negotiation
Period Details, (S) Advance Amount Details, (T) Type of DC Details like Transferable,
Revocable, Revolving etc., (U) Issuing Bank Details, (V) Bill Fructified Details, (W) De-
linking Details, (X) Transport Document Details, (Y) Amendment Details, (Z) NOSTRO
Account Details, Commodity Details, License Details, Charges Details, Utilisation
Details etc.
EXPORT Finance: - Normally, following key fields are captured in case of CBS
System:-
(A)Export Order Details, (B) Currency ID Details, (C) Customer ID Details, (D) Country
Details, (E) Notional Rate Details, (F) Margin Details, (G) Revolving Details, (H)
Commodity Details, (I) Destination Country Details, (J) Other Party Details (K)Country
Details, (L) Closing of Export Order Details etc.
24
PACKING CREDIT: - Normally, following key fields are captured in case of CBS
System:-
(A)Customer I/D , (B) Account I/D , (C) Functions Details – Disbursement, Off Set etc.,
(D) Rate Details, (E) ECGC- Premium Details, (F) Party Details, (G) Bills Details, (H)
Interest Details, (I) Margin Details, (J) Pegging Frequency Details, (K) PLR Details,
(L) Pending/Regularisation Details, etc.
REMITTANCES (INWARD/OUTWARD):-
INWARD: - Normally, following key fields are captured in case of Inward Remittances
in CBS System:-
(A)Activity – Lodgment etc., (B) Register Type – Foreign Cheque etc., (C) Bill Purchase
Account Details, (D)Operative Account Details, (E) Party Details, (F) Remittance
Amount Details, (G) NTP/Grace Period Details, (H) Remittance Mode Details, (I)
Against Export, if any, Details, (J) Remittance Status Details – Realised etc., (K)
Currency Details, (L) Foreign Bank Reference Details, (M) Collecting / Correspondent
Bank Details, (N) EEFC Details, (O) Purpose Details, (P) NOSTRO Account Details,
(Q) Drawee Bank Account Details, (R ) Passport Details, (S) Intermediary Trade Details
like Export/Import etc., (T) Realisation Details, (U) Rejection Reasons Details, etc.
OUTWARD: - Normally, following key fields are captured in case of Outward

Remittances in CBS System –
(A)Activity Details like Lodgment, (B) Register Type – Foreign Outward Remittance,
(C) Customer I/D, (D) Account I./D, (E) Party Details, (F) Remittance Amount Details,
(G) Collecting/Correspondent Bank Details, (H) Remittance against Import Details (if
any), (I) Other Party Details, (J) Currency Details, (K) RBI Authorisation Details, (L)
Drawee Details, (M) NOSTRO Account Details, (N) Passport Details, (O) Encashment
Certificate Details, (P) Country of visit Details, (Q) Purpose of Remittance Details, (R )
Purchaser name and other Details, (S) Advance Payment Details, (T) Intermediary Trade
Details (if any), (U) Other Party Details, (V) Realisation-Rejection Details etc.
FORWARD CONTRACTS: - Normally, following key fields are captured in case of

Forward Contracts in CBS System:-
(A)Forward Contract Register Details, (B) Date of booking of Forward Contract,
(C) Party Details, (D)Contract Amount and Currency Details, (E) Contract Rate Details,
(F) Validity Details, (G) WASH Rate Details, (H) Cross Currency Details,
(I) Commodity Details, (J) Limit Details, (K) Trade Document Details, (L) Margin
Details, (M) Sanctioned Limit/Drawing Power Details, (N)Utilisation Details,
(O) Shipment Details, (P) Tenor Details, (Q)Customer Acceptance Date Details,
(R ) Extension of Forward Contract Details, (S) Charges Details, (T) Date of Booking
Details, (U) Contract Rate Details, (V) Unutilised Contract Details, (W) Event Type
Details, (X) Cancel Forward Contract Details, (Y) Treasury Reference Details,
(Z) Linked Bills Details etc.
25
R RETURNS/IBSBR Statement/NRDCSR Statement:
These statements are important statements for the Bank as well as Reserve Bank of India.
Normally, following information is captured to generate above statements in CBS
System:-
(A)Foreign Bill Details, (B) Import/Export Details, (C) GR Details, (D) Lodgment of
Collection Bills Details, (E) Purchase of Bills Details, (F) Realisation of Collection of
Bills Details, (G) Realisation of Purchase of Bills Details, (H) Invocation Details etc.
H> OTHER SERVICES AND PRODUCTS
H – I > SAFE DEPOSIT VAULT
Following details are required to be captured in the Locker Module:
Type of Locker, Locker number details, Rent details, Issue details, Rent Collection
Details, Key Register, Customer ID, Operative A/c Details, Operation of Locker Details,
Branch classification details, Surrender details, Penalty Details, Notice details, Security
Deposit details, Staff Details, Term details, Joint Account Holder details, Rent Payment
mode details, Privileged details, Nominee Details, Code word Details, etc.
H – II> GOVERNMENT BUSINESS MODULE [GBM]
Designated branches of the Bank are handling Government Business Modules

like, CBDT: Excise Duty, Customs Duty, CBEC, SALES TAX: Local Sales Tax, Central
Sales Tax, RBI BONDS, PPF, PENSION etc. Banks collecting taxes on behalf of the
government identify and designate the branches at various centers. Each Bank l has
following three types of Branches:
(A) Link Branch at Nagpur, which will coordinate the collections / reimbursements
with the Government.
(B) Focal Point Branch [FPB] / Nodal Branch, which will do the consolidation work
for designated branches [Collection Centers] in their net work and coordinate
between the Link Branch and the designated branches.
(C) The designated branches or the collection centers to do the actual payment or
collections or reimbursements and report on a daily basis to the Focal Point
Branch [FPB] to which they are connected.
26
Following additional details need to be captured in CBS: Type of Tax, PAN

Master details, TAN Master Details, Sale Tax No., Ward / Area / Circle No, Details for
on line transmission of Tax [OLTAS], DBA creates respective GBM related master in
the data base at Data Centre, TOC Slab Maintenance, Account Head Maintenance,
Commissionerate details, Penalty details, Scroll details, Assessee Code Master (In case
CBEC) etc.
H- III> Direct Sales Agents [DSA] Module –

To track the performance of Direct Sales Agents (DSAs) of the bank and to have
customized commission computation logic for the DSAs based on predefined parameters
like product type, geography and hierarchy.
I> NON CUSTOMERS ACCOUNTS
PROFIT AND LOSS ACCOUNT/GENERAL LEDGER ACCOUNTS/SUSPENSE

AND SUNDRY ACCOUNTS:
Different types of non customers accounts like General Ledger Accounts, P&L
Accounts, Suspense accounts and Sundry Accounts in CBS –
CBS supports auto reconciliation and tracking of such accounts for reconciliation
purpose. Some of the important fields under CBS are as under:-
(A)Type of non customer account viz. P&L, General etc. (B) Partial transaction allowed,
(C) Actual amount, (D) System generated transactions details, (E) Originating
transaction details, (F) Responding transaction details, (G) Temporary type of account
(parking account), (H) Branch advice require G/L Head, subhead, currency details,
scheme code, registered types, group details, etc.
J> Web Enabled Products and Service –
Online banking offers 24 hours a day, 7 days a week accesability to entire range of
Banking Services and Products to the users. Following services are offered as Virtual
Banking:
1> Electronic / Home / Internet / PC Banking,

2> SMS / WAPBanking,
3> Tele Banking,
27
Following services and products available through “Online Banking” Retails.

1> Mini Statement, 2> Account Statement, 3> Cheque Status Inquiry, 4> FFD Account
Details, 5> TDS Inquiry, 6> Nominee Details, 7> Maturity Instruction Details, 8> TOD
Inquiry, 9> Loan Schedule, 10> Loan Security Details, 11> Fund Transfer - Self & Third
Party 12> Scheduling Transfer for future date 13> Transfer fund to different Banks, 14>
Mails – Compose, Inbox, Outbox, Trash – only through the Relationship or Account
Manager 15> Central Excise & Service tax Payment, 16> Demat Details, 17> Money
Order to Dear ones, 18> Credit / Debit Card Inquiry, 18> FD account opening, 19> FD
Pre-closure Simulation, 20> FD renewal, 21> ATM/Debit Request, 22> Stop Cheque
Facility, 23> Demand Draft Request, 24> Tele-banking request, 25> Utility Payments
(Like Bill payments, Payment of LIC Premium, Mobile bill payments, etc), 26> Online
Booking of Train and Railway Tickets.
Following additional facilities available to Corporate Customer:
Generally all the services available under Retail Internet Banking are also available for
Corporate Internet Banking Customers. Additionally, the following features are also
available:
1> Multiple User Access, 2> Multi Level Workflow, 3> Complex Fund Transfer Facility
/ Limit, 4> External Account Linkage for both Cr./Dr. Funds Transfer, 5> Trade Finance
- Bills Details, Guarantee Details, Forward Contract details, Request for Letter of Credit,
Salary upload for Staff, Request for sending remittances abroad etc.
With the help of above information Tele banking Facility can be made available like,
Account Balance, Statement of accounts, Stop Payment of a cheque, Status of one
cheque, Status of multiple cheques, Cheque book request, Change transaction password,
Change telebanking password, Fund transfer, Bill Payments etc.
Similarly, SMS Banking is also available to Know the latest balance, Know last 5
transactions, Get statement of account, Change SMS password, Know the status of a
cheque, Request for a cheque book (25 leaves), Suspend self from SMS banking, Mail to
Relationship Manager, Transfer of Fund
HELP DESK – CALL CENTRE AND C.A.R.T.S. MODULE
HELP DESK:
Banks are running help desk on 24 x 7 basis as single point of contact to assist
resolution of problems faced by users of core banking branches. The help desks are
connected with the network of all branches with the help desk web page.
Various problems related to hardware, software, network or any other issue

related to CBS are resolved through helpdesk. The software is prepared in such a way
that an appropriate MIS of commonly encountered problems and issues at the Branches
can be sorted out and FAQs are being prepared by the Banks.
28
CALL CENTRE:
In present day environment, call centre concept is very popular in CBS Branches.
Customers, prospective customers or any other stake holder of a Bank can approach call
centers and inquire about the products and services offered by the Bank. Call centre is
also serving as a source of leads for a Bank.
BCP and DRP in CBS
To have redundancy and business continuity, banks are having robust disaster recovery
plan and parallel another mini DC at other location. The data is replicated concurrently
on the DR server.
3> ADVANCE / OPTIONAL / ADDITIONAL Modules of CBS
a. Card Management System [CMS] –
This module is a repository of customer card information and acts as a focal point
in various events relating to cards, like issue, reissue and maintenance. An additional
feature of this module is the ability to communicate on an online basis for activities like
hot carding [hot listing] a card, activation / deactivation of cards etc.
b. Cash Management Module and Channel Financing –

On line Cash Management and Channel Financing modules are available in CBS
System.
c. Leveraging Straight –Through-Processing [STP] or E2E Module –
The CBS System provides an interoperable and open architecture that ensures
tight integration with all delivery channels using standard message protocols. The
powerful STP feature ensures that several transactions are completed end-to-end, without
manual intervention. Turnaround times can be drastically reduced for issuing cheque
books and account statements, thereby enhancing productivity and customer satisfaction.
Many Banks are using this “Centralisation” work flow module very effectively.
29
d. Leveraging Tool Kits / Back Office and P & L Modules –

A unique tool kit comprising Scripting Engine, Workflow, and Remote
Application Interface (RAI) provides the much needed flexibility to the Bank, enabling it
to easily and rapidly add new business rules, launch new products and modify processes.
Using this tool kit, Bank can develop a loyalty reward program for its customers
wherein, the bank offers incentives like charge free demand drafts based on certain
business rules like maintaining specified minimum balances. Such programs will help
the bank reap the twin benefits of customer retention and an increase in low cost funds.
With help of this many of the modules can be quickly rolled out within a short time
frame and low cost.
Likewise, entire Back Office Operations can be changed over. This provides
great relief to branches and their resources can be utilised for other work. ROI on CBS
systems depends on how far and how fast these activities are implemented.
This Tool Kit helps the Bank in product wise, Customer wise, Branch wise or any
other parameter wise analysis of its operations and ensures sensible and seamless
integration of Banks’ internal and external systems including Back Office and P & L
functions. This also includes Risk Management Systems, Third Party Products and
Market information / data for pricing options etc.
e. Treasury Management Module –
A seamless integration of Banks’ internal, external systems including Back

Office and P & L functions. This function includes Risk Management Systems, Third
Party Products and Market Data Systems for pricing options. This System will be boon
for the Banks having International presence.
f. Utility Bill Payments Module –

This module provides a good source of Non Interest Income. CBS system can be
integrated with module. This facility can help to increase cross selling of various
Services and Products.
g. Insurance Module [both Life and Non Life Insurance]

In the era of Financial Super Markets, no Bank can afford to say no a customer or
redirect a customer to other competitive Bank. All products are offered at single door
step. CBS system provides easy integration of any Third Party Products to augment
Bank’s business.
30
h. Additional Modules available in CBS System -
- Capital Market and Mutual Funds Module

- Business Intelligence Module
- Trend Analysis Module
- Data Wherhousing and Data Mining Module
- Human Recourses Management System [HRMS]
- Regulatory Compliance Module
- Risk Management – Module
- KYC / AML Module
31

Job Cards - Work Flow For Core Banking Solutions (CBS)

Enviado por

Dados do documento

Descrição original:

Título original

Direitos autorais

Formatos disponíveis

Compartilhar este documento

Compartilhar ou incorporar documento

Opções de compartilhamento

Você considera este documento útil?

Este conteúdo é inapropriado?

Direitos autorais:

Formatos disponíveis

Job Cards - Work Flow For Core Banking Solutions (CBS)

Enviado por

Direitos autorais:

Formatos disponíveis

Job Cards – Work Flow for Core

Banking Solutions [CBS]

[Prepared by Bank of India for

JOB CARDS / WORK FLOW FOR CORE BANKING SOLUTOIONS [CBS]

• Anywhere, Anytime, Anyhow [AAA] Banking is possible.

• Superior Multilayer Architecture: CBS provides a technically superior solution

FEATURES and FUNCTIONALITY OF CBS:-

IMPORTANT PROCESS FOR CBS:-

EOD / BOD CONCEPT in CBS:-

2. A “True Single Window” concept to be adopted to exploit the CBS functionalities

2> JOB CARDS / WORK FLOW OF CBS:-

a. Employee / User Master Module

a> Employee / User Master Module :-

Important Fields / Features for Employee/ User ID –

3. Employee / User Tenor

4. Application Name / Role ID / Work Class

5. Login Time Low/High

6. Temporary Work Class

7. Maximum Inactive Time

8. Account Expiry Date

9. User Disabled Till

11. Role of Terminal Benefit & Human Resources Department

b> Customer Master Module :-

(A) Personal Details

(B) General Details

(C) MIS Information:

(D) Minor Details

(E) NRE Details

(F) Trade Finance Details

(G) Guarantors, Directors, Partners and Joint A/c Holders

(H) Buyer /Seller Limit Details

(I) KYC Details

Additional Fields / Feature for Customer Master Module –

4. Back office Functions – To provide efficient Customer Services, new Customers’

c> Account Master Module :–

I> Current / Savings Deposit:-

(J) Other Details - SWIFT details, DSA Information etc.

II> Important/Additional fields related to Term Deposits –

Cumulative repayment, Cumulative principal, Cumulative interest Paid, Cumulative

E) Flow Details – Principal Inflow/outflow, Interest Inflow/ Outflow, Installment

III> Loan and Advances: –

III – B: - For LOAN A/cs following are the common fields –

A) General Detail - Details as per Current /Savings Deposit A/cs.

(F) Nomination Details – Details as per Current / Savings Deposit A/cs.

(G) MIS Codes - Details as per Current / Savings Deposit A/cs.

(K) Disbursement Details / Charges Details – Frequency of Charges, Concession in

III> - C: - Temporary Overdraft & Over Limit –

IV> Security Register: –

V> Borrower Exposure Maintenance (BEM): –

VI> Asset Classification and Provisioning Norms – [NPA A/cs]

VII> Written off and Recovery in the Accounts –

VIII> STOCK AUDIT – [SA] / CONSORTIUM LENDING:-

Normally following details are captured for this module :

d> Transactions in CBS –

Self Balancing Transactions –

Entry, Posting and Verification –

appropriate message is displayed. On completion of data entry, a transaction ID is

Cash, Clearing and Transfer –

Following is the process for all these transactions.

Error Handling in CBS environment –

Signature handling in CBS –

CBS System supports storing and retrieving of signatures of customer/account holders.