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Account Additional
Features
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Agenda
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 T24 Account Additional Features

1. Learning Objectives

2. Additional Features
 Learning Objectives 4

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Objectives

 Account Additional Features

 Account Entries Consolidation

 Interest Recalculation

 High Volume Transaction Accounts

 Accounting

 Standard Enquiries
Agenda
5
 T24 Account Additional Features

1. Learning Objectives

2. Additional Features
 Account Entries Consolidation
 Interest Recalculation
 High Volume Transaction
Accounts
 Accounting
 Standard Enquiries
Account entries consolidation
T24 Account Additional Features > Account Entries Consolidation6

 Entries consolidation for High volume entries in Accounts

 Optional feature.

 Usually done for accounts with high number of transactions every day

 Helpful to net entries together and store details in a detail file that can be
archived

 Done through Application AC.CONSOLIDATION.COND

• Id can be any alpha numeric between 3 and 20. This Id is to be
attached to Accounts needing consolidation of entries
• Possible to selectively consolidate Forward entries or other entries

 Can be attached to a specific account

• Applicable to the specific account only

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Account entries consolidation
T24 Account Additional Features > Account Entries Consolidation7

 Single Consolidated entry and list of underlying entries maintained

 Consolidate entries based on system enforced criteria

 In addition, user defined criteria can be set for consolidation

 Detailed entries are stored in a detail file that can be archived when required

 Consolidation done on-line in a cumulative manner daily and consolidated record

stored as

 STMT.ENTRY for Accounts

 CATEG.ENTRY for PL Categories

 RE.CONSOL.SPEC.ENTRY for entries other than the above

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Account entries consolidation
T24 Account Additional Features > Account Entries Consolidation8

 Id can be any alpha numeric between 3 and 20

Id attached to Accounts / Categories (for P & L)

 Type of Entries to consolidate can be specified through ENTRY.TYPE Field.

S , F, C or R (Non-Forward dated Statement, Forward dated Statement, Category, Special

entries)

 Selected EB.SYSTEM, TRANSACTION and CATEGORY codes and/or Routines can be

excluded from consolidation

 ADD.CONSOL.FLD Field, to include additional STMT / CATEG entry data Fields to be used
in consolidation of entries

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Account entries consolidation
T24 Account Additional Features > Account Entries Consolidation9

 Start and Stop Consolidation



NO.ENTRIES.START Field is used to specify Entry after which the consolidation process
will start
Also Useful to stop consolidation, when number of entries is less in a day

 Details not to be maintained

For STMT Entries from specified modules, details of the consolidated entries will not be
maintained. NO.DETAIL.APP Field is used for this

 Attach the Record Id to CONSOLIDATE.ENT Field of an ACCOUNT or a PL CATEGORY

When attached to an Account, its STMT.ENTRY records will be consolidated
When attached to a PL CATEGORY, its CATEG.ENTRY records will be consolidated
For RE.CONSOL.SPEC.ENTRY only one record with Id: REDEFAULT is allowed, and it is
not to be attached to any Category

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Account entries consolidation
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T24 Account Additional Features > Account Entries Consolidation

 Entries consolidated by the following fixed criteria:

Entry Type - S, F, C or R (Statement, Forward dated, Category or
Special entries), CRF Key (for Category and Special entries only), Account Number or
Product Category, CR or DR, Currency, System ID, Transaction Code, Value Date, Exposure
Date, Reversal Marker, Currency Market, Suspense Category, Terminal Number (not
updated), Booking Date, Account Officer (P&L only), Product Category (for Category and
Special entries only)
Plus additional elements defined in ADD.CONSOL.FLD Field

 Default AC.CONSOLIDATE.COND record with Id: DEFAULT

Consolidates STMT.ENTRY records of Nostro and Internal Accounts
No need to attach this record to Nostro or Internal Accounts
NO.ENTRIES.START Field can be set to 0

 There is a default record called CLDEFAULT to consolidate 50 entries and above on

customer accounts

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Agenda
11
 T24 Account Additional Features

1. Learning Objectives

2. Additional Features
 Account Entries Consolidation
 Interest Recalculation
 High Volume Transaction
Accounts
 Accounting
 Standard Enquiries
Interest Recalculation
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T24 Account Additional Features > Interest Recalculation

 T24 automatically recalculates and corrects interest when

entries with value dates prior to the last interest application are
processed

 When previously capitalised interest is recalculated, old results

stored in CORR.ACCT.CR, CORR.ACCT.DR,
CORR.ACCT.CR2 or CORR.ACCT.DR2 as appropriate

 New results stored in STMT.ACCT.CR, STMT.ACCT.DR,

STMT.ACCT.CR2 or STMT.ACCT.DR2

 Appropriate accounting entries are processed for differences

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Interest recalculation
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T24 Account Additional Features > Interest Recalculation

 Back-valued changes to interest rates or conditions are not automatically

processed. TABLE.CAPITALIS.CORR should be used to request recalculation and
correction of previously applied interest
 Possible to request corrections for all Accounts, specific Accounts or selected
Groups of Accounts.
In each case, the date from which recalculation should start must be
specified

 Corrections are calculated up to each capitalisation date between the

recalculation start date specified and the last capitalisation date

 Correction entries are generated with the correct value date for each capitalisation
period and taken into account in the recalculation of subsequent periods

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Agenda
14
 T24 Account Additional Features

1. Learning Objectives

2. Additional Features
 Account Entries Consolidation
 Interest Recalculation
 High Volume Transaction
Accounts
 Accounting
 Standard Enquiries
What is High Volume Accounts?
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When there are high number of postings made to the same account thereby
increasing the updates to the related tables as well, it can be marked as
High Volume Account in T24
The high-volume account solution provides standard account functionality
in a seamless manner to the end user, avoiding any concurrency issues and
allows the system to be scalable.
High volume accounts should be used where there are likely to be
significant volumes of movements generated across the account that need to
be completed in as short a time frame as possible
The field HVT.FLAG in the account record controls whether an account is
high volume or not. A value of No or Null indicates that it is not a high
volume account.

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High Volume accounts
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T24 Account Additional Features > High Volume Transaction Accounts

 What types of accounts can use high volume processing?

Customer Nostro Internal

Accounts Accounts Accounts

AA
accounts

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When to use High Volume Accounts?
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 Internal accounts used for collection of TAX and Charges, these are
frequently high volume operations both online and as part of the COB
 Internal suspense accounts – bulk payments are frequently
processed through individual suspense accounts.
 Nostro accounts – where the bank needs to make a payment
externally, a Nostro account is usually credited by the transaction issuing
the payment. High volumes of transactions can be processed both online
and offline.
 High volume customer accounts – certain accounts owned by
customers may also process high volumes of transactions, both online
and offline

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High Volume Account Processing
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T24 Account Additional Features > High Volume Transaction Accounts

 It is possible to switch off the high volume processing at any time if required
and this will cause the account to revert to standard behaviour

 The balances are updated to ECB in multiple sessions to avoid locking

contention

 A separate service is run in the background to merge the balances to the

master record

 This is completed before the system end of day CRF and static change
processing

 Balances updated in AC.HVT.TRIGGER are merged into master ECB

records

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High Volume Account Processing
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 For HVT customer accounts, available funds are checked before

performing a debit transaction

 Once the transaction is committed, it is possible to view the account

balances and movements through regular enquiries

 It is possible to generate MT940 or 950 statement, indicating the

movements that happened since the last statement, during COB

 An online MT942 statement can also be generated indicating the

movements that happened since the last statement

 Interest liquidation accounts are set as HVT if they are posted by other
accounts to avoid record locking contention.

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High Volume Account Processing
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T24 Account Additional Features > High Volume Transaction Accounts

Application FT etc

Account ACCOUNTING

AC.HVT.TRIGGER

ACCOUNT.ID! ACCOUNT.ID! ACCOUNT.ID!

SESSION.NO! SESSION.NO! SESSION.NO!

Enquiry
DAY!TIME DAY!TIME DAY!TIME

AC.HVT.MERGE
Single
Account Accounts &
Balances in Balances
ECB
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Flagging High Volume Account
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T24 Account Additional Features > High Volume Transaction Accounts

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Update Process in HVT account
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T24 Account Additional Features > High Volume Transaction Accounts

We have 3 high volume accounts AC1,AC2, AC3 updated via 3

sessions, 5345, 3748 and 7256. Each session writes its own
AC.HVT.TRIGGER records

AC Input
Service

TSA Agent 1 TSA Agent 1 TSA Agent 1

Session Session Session
number 5345 number 3478 number 7256

Write Write Write

AC.HVT.TRIGG AC.HVT.TRIGG AC.HVT.TRIGG
ER AC1.5345 ER AC1. 3478 ER AC1. 7256
AC2.5345 AC2. 3478 AC2. 7256
AC3.5345 AC3. 3478 AC3. 7256

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Merging Process in HVT Account
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T24 Account Additional Features > High Volume Transaction Accounts

 Each agent will merge all the records for a single account

 It will first sort select the driving table to a table for processing, filtering out
any records with forward booking dates

 Each session will try to lock the records, if another process has locked it
then it will skip processing leaving the record to be merged at a later time

 AC.HVT.MERGE is the service routine to merge the AC.HVT.TRIGGER

records of HVT accounts

 The process is to merge the AC.HVT.TRIGGER records with suffixes to the

main ECB record of the account

 After processing each suffixed record it is deleted from AC.HVT.TRIGGER

 AC.HVT.MERGE.STMT.CONCAT is routine used to consolidate balances

for an Account ID without doing any updates to the file

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Merging Process in HVT Account
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T24 Account Additional Features > High Volume Transaction Accounts

Each agent will merge all the records for a single account. The merging
service can run continuously reselecting the driving table.
AC HVT Merge
Service

Sort Select + Consolidate

AC1 AC2 AC3
5345 5345 5345
3478 3478 3478
7256 7256 7256
Select Consolidated Table

TSA Agent 4 TSA Agent 5 TSA Agent 6

Session Session Session
1246 Merge 4657 Merge 8346 Merge
AC1.5345 AC2.5345 AC3.5345
AC1.3478 AC2.3478 AC3.3478
AC1.7256 AC2.7256 AC3.7256

Write ECB AC1 Write ECB AC2 Write ECB AC3

Delete Delete Delete
AC.HVT.TRIGGER AC.HVT.TRIGGER AC.HVT.TRIGGER
AC1.5345 AC2.5345 AC3.5345
AC1.3478 AC2.3478 AC3.3478
AC1.7256 AC2.7256 AC3.7256

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AC.HVT.PARAMETER
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T24 Account Additional Features > High Volume Transaction Accounts

• System level parameter possible. Lead company specific parameter possible.

• Category wise choice possible
• Background service to run within the HVT.MERGE.INTERVAL time defined
increases system performance

• NON.HVT.JOB: Jobs for which HVT processing is not applied for customer
accounts (Except Nostro Accounts). overrides default or individual settings
Jobs should eliminate or minimise any locking contention on customer
accounts.
• HVT.ACTIVE.TIME: Time interval can be defined at ACCOUNT.PARAMETER,
System record or/and Company record. If not defined anywhere default -15
min
• ECB has LAST.MERGED.TIME - when balances are merged and updated for
HVT account
• DO.CHECK : To enable default balance checking for all HVT accounts, it
should be marked as YES
• CREDIT.CHECK: Conditional credit check can be opted Eg.FTOUT, only for
outgoing payments

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AC.HVT.PARAMETER
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Workshop - HVT flag
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T24 Account Additional Features > High Volume Transaction Accounts

Menu Navigation

 Use Command line, open the application

ACCOUNT

Instructions

 Edit an existing T24 account and update HVT flag as Yes

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Workshop - HVT flag
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T24 Account Additional Features > High Volume Transaction Accounts

Menu Navigation

 Use User Menu > Retail Operations > Account >

Current Account

Instructions

 Open a new account for your customer with HVT flag as

YES

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Workshop - Transfer between Accounts
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T24 Account Additional Features > High Volume Transaction Accounts

Menu Navigation

 Use User Menu > Retail Operations > Account

transactions> LCY Draft Issue/Acct Trfr > Transfer
between Accounts

Instructions

 Transfer two amounts to one of your high volume

account
 USD 1100
 USD 500
 Authorise your record

 View the AC.HVT.TRIGGER records generated.

 View the EB.CONTRACT.BALANCES record for the high

volume account

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Workshop - Checks
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T24 Account Additional Features > High Volume Transaction Accounts

Instructions

 Run the TSA.SERVICE BNK/AC.HVT.MERGE.SERVICE

 Check the EB.CONTRACT.BALANCES record for the

high volume account

 Check that the AC.HVT.TRIGGER records have been

removed

 Check that the records on the other accounting files

have been merged and the original entry’s are removed

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Solution
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T24 Account Additional Features > High Volume Transaction Accounts

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Future and Forward transaction in AC.HVT.TRIGGER
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T24 Account Additional Features > High Volume Transaction Accounts

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Agenda
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 T24 Account Additional Features

1. Learning Objectives

2. Additional Features
 Account Entries Consolidation
 Interest Recalculation
 High Volume Transaction
Accounts
 Accounting
 Standard Enquiries
Accounting
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T24 Account Additional Features > Accounting

 Accounting entries passed for Accounts are Contingent as well as Non contingent in nature

STMT.ENTRY passed for Debit / Credit to Non contingent balances of Accounts

 Accounts include Customer accounts and Internal accounts
RE.CONSOL.SPEC.ENTRY passed for contingent balances in accounts and to record
accruals and capitalisation

CATEG.ENTRY passed for Debit / Credit to contingent and Non contingent balances of PL
heads
 PL heads include Interest, Charges and Commission
Asset types: DEBIT, CREDIT, SUSPENS, CONTCR, CONTDB

Transaction codes specified through ACCOUNT.PARAMETER. Also uses transaction codes

of other applications that move money in and out of accounts including
FT.COMMISSION.TYPE

RE.TXN.CODES : ACC, CAP, CUS, APP etc

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Agenda
43
 T24 Account Additional Features

1. Learning Objectives

2. Additional Features
 Account Entries Consolidation
 Interest Recalculation
 High Volume Transaction
Accounts
 Accounting
 Standard Enquiries
Standard Enquiries
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T24 Account Additional Features > Standard Enquiries

 List of accounts with selection criteria

 Product wise, Currency wise, officer wise etc

 Today’s account balance

Working, ledger and cleared balances

 Accounting entries for today, for any given date and on statement date

 Average account balances during a given period account wise average

debit, credit and zero balances

 Interest related enquiries

 List of charges unpaid, Inactive accounts and locked amounts

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Standard Enquiries
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T24 Account Additional Features > Standard Enquiries

 STMT.ENT.BOOK Enquiry gives booking date wise debit and

credits for a date and period

 When this enquiry is not showing the correct balances, following files need to be accessed for
correction

STMT.PRINTED


ACCT.STMT.PRINT


ACCOUNT.STATEMENT


 If VAL.ENT.BOOK is not showing the correct balance, files to be corrected are

STMT.VAL.ENTRY


ACCT.STMT.PRINT


ACCOUNT.STATEMENT


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Standard Enquiries – Account Entries
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T24 Account Additional Features > High Volume Transaction Accounts

Menu Navigation

 Use User Menu > Account > Account Entries

Instructions

 Look at the following enquiries

 Average balance in accounts during a period of

your choice

 Balance on statement date for an account and drill

down up to accounting entry level

 Entries from last statement

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Solution – Average Account Balance
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T24 Account Additional Features > Standard Enquiries

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Solution – Balance Statement date
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T24 Account Additional Features > Standard Enquiries

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Solution – Today’s Account Balance
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T24 Account Additional Features > Standard Enquiries

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System Maintained Tables
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T24 Account Additional Features > Standard Enquiries

 ACCT.ACTIVITY
 Internal file containing details of Account Balances value date wise and
Booking date wise and Activity used to calculate interest and charges
 Details held in separate records Account wise for each month in which
there is any Activity by which the value dated/Booking date balance
changes.

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System Maintained Tables
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T24 Account Additional Features > Standard Enquiries

 ACCOUNT.COMPENSATION
Details of groups of Customer accounts whose value dated balances and activity are
combined for calculation of interest and charges. The value dated balances and activity for
each account are stored separately in the Account Activity file (ACCT.ACTIVITY) and added
together at the time interest and charges are calculated

 ACCOUNT.LIQUIDATION
When interest in an account is to be liquidated by another account, system maintains this
record with details of liquidation account as Id and accounts which are liquidated by that
account

 ACCOUNT.CHARGE
When charges in an account are to be liquidated by another account, system maintains this
record with details of liquidation account as Id and main accounts which are liquidated by that

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System Maintained Tables
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T24 Account Additional Features > Standard Enquiries

 ACCOUNT.CLOSED
 Date wise record of accounts closed

 ACCOUNT.OVERDRAWN
 Contains details of overdrawn accounts which are not covered by a credit limit and credit limits which
have been exceeded

 CUSTOMER.ACCOUNT and CUSTOMER.CCY.ACCT

 Customer wise accounts and Customer wise accounts in a currency

 GROUP.ACCOUNT
 Condition group wise list of accounts

 NEW.COND.REFER
 When the condition group of an account has changed, then details of old and new condition groups,
account wise

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System Maintained Tables
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T24 Account Additional Features > Standard Enquiries

 ACCT.STMT.ENTRY
 Contains Ids of STMT.ENTRY records, Account wise to be reported in next
Cycle 1 Account statement

 ACCOUNT.STATEMENT
 Delivery reference for statement generation will be updated in this table.

 EB.CONTRACT.BALANCES
 Contains the financial details using fields account balance field, Date moved
fields and Exposure management fields.
 contains details of consolidation key, Asset type wise balances
 records months for which ACCT.ACTIVITY balances

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 AC.STMT.SERVICE.DETAIL
System Maintained Tables
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T24 Account Additional Features > Standard Enquiries

AC.SEGMENT.STMT.SERVICE

Background service where the accounts are picked up for statement

generation from AC.STMT.SERVICE.DETAIL record

STMT.PRINTED/STMT2.PRINTED

This table helps to identify the number of entries/rows in a particular record for
an account, for statement processing.

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 Quiz
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Quiz

1. Name the possible mask types for internal accounts ?

Mask for internal accounts is hard coded as Currency,
Category and Serial number (###,#####,###). No other
option available

2. Is it possible to block funds in account without mentioning

start and end dates through AC.LOCKED.EVENTS ?
Start date is essential, Even if not input, system defaults
start date. End date is not mandatory.

3. When a wrong entry is reversed for rectification, can it be

stopped from appearing in a statement ?
Yes by using AC.PRINT.MASK application, it is possible t
to mask both entries from appearing in a statement.

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 What Did We Learn? 56

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Conclusion

 Account Additional Features

 Account Entries Consolidation

 Interest Recalculation

 High Volume Transaction

Accounts

 Accounting

 Standard Enquiries