Loans & Deposits Guide

Loans & Deposits
September 2011
Loans
Introduction
 A loan is a type of debit transaction in banks books

 Amount borrowed by the customer is to be repaid at a later date, with interest.
 In other words, a sum of money given to an individual that it is to be repaid at some
future date along with an agreed rate of interest.
LD Loan – product overview
Call / Notice Interest

bearing Fixed
Automatic Bullet
interest Floating
schedule
Frequency Fixed
Bullet for interest
principal Periodic
Loan
Fixed Discounted
Stand-alone period
Fixed
commitment Interest
bearing
Floating
Automatic Manual
schedule schedule
Bullet
interest Periodic
Commitment Bullet
charges principal Frequency
repayment for interest
Deposit products
LD can be used for Loans as well as Deposits

 T24 differentiates products based on category codes
In addition to the usual Fixed term, call / notice, interest bearing and discounted
products, bank’s own bond issues using liability commitment and Certificates of
deposits are also possible
CDs are processed using Fixed rate, Interest bearing and A Basis of interest
functionalities
 If the MAT.AMOUNT Field is filled up, T24 automatically calculates the investment amount
and fills up the AMOUNT field accordingly
LD - Parameter tables
Parameter tables to be set up for LD

 LMM.INSTALL.CONDS
 LD.TXN.CODES
 LMM.CHARGE.CONDITIONS
 LD.TXN.TYPE.CONDITION
 LMM.ADVICES
 LMM.ACTIVITY
 LMM.TEXT
 ACCOUNT.CLASS
How to get into T24 (Loans) Application
 Log on to T24 module to view the User Menu.

 Click on User Menu>Credit Operation>Loans.
 Upon clicking the LOANS application, the relevant menus are displayed.
Menu Map
 LD application has the following submenus which are reflected in the below snapshot.
Transaction Input
Limit, Collateral Details
 Click on “Limit,Collateral Details” menu, the relevant submenus are displayed.

• Create Secured Limit
• Create Unsecured Limit
• Authorize/Delete Secured/unsecured Limit
• Collateral Link
• Collateral
Create Secured Limit
 If collateral code is set for a limit, then it is called as secured limit.

 Click on the following option to access Create Secured Limit
• User Menu>Credit Operations>Loans>Limit, Collateral Details>Create Secured Limit
 Currency, Available marker and Collateral code are the mandatory fields to be input for
creating secured limit.
Create Secured Limit
Create Unsecured Limit
 If collateral code is not set for a limit, then it is called as unsecured limit.
 Click on the following option to access Create Unsecured Limit
• User Menu>Credit Operations>Loans>Limit, Collateral Details>Create Unsecured Limit
Create Unsecured Limit
Authorize/Delete Limit
 Using this menu, secured/unsecured limit can be authorized/deleted.

 Click on the following option to access Authorize/Delete Limit
• User Menu>Credit Operations>Loans>Limit, Collateral Details>Authorize/Delete Limit
Authorize/Delete Limit
 On clicking “Authorize/Delete Limit” menu, a form is displayed with the respective

fields and also have an option to authorize/delete limit.
 Upon clicking the “Authorize Limit” button, the selected limit gets authorized.
 Using “Delete Limit” button, the selected limit in INAU status gets deleted.
 Authorized limit can’t be deleted.
Authorize – Limit
Delete – Limit
Collateral Link
 Used to link collateral object (to set a collateral link for a particular collateral code)
 Click on the following option to access Collateral Link
• User Menu>Credit Operations>Loans>Limit, Collateral Details>Collateral Link
• Collateral code and customer nuer are the mandatory fields to be input for collateral link menu.
Collateral Link & Collateral Details
Collateral
 Collateral contains details of the values, review frequency, value date and expiry of the
collateral.
 Click on the following option to access Collateral
• User Menu>Credit Operations>Loans>Limit, Collateral Details>Collateral
Collateral
Create Loans
 This menu includes the coverage of creation of Mortgage loans (Annuity, Linear &
Savings) and other type of loans.
 Click on the following option to access Create Loans
• User Menu>Credit Operations>Loans>Create Loans
Attach Limit to Overdraft Account
 Used to attach a limit to overdraft account.

 Click on the following option to access Attach Limit To Overdraft Account
• User Menu>Credit Operations>Loans>Create Loans>Attach Limit to Overdraft Account
 Limit Reference No. is a mandatory field to be input.
Corporate Loan
 By making use of this option, corporate loan can be created

 Click on the following option to access Corporate Loan
• User Menu>Credit Operations>Loans>Create Loans>Corporate Loan
 Customer ID, Currency, Loan Amount, Business Day Def, Loan Start Date, Loan
Maturity Date and Loan Product are the mandatory fields to be input for creating
corporate loan.
Corporate Loan
 Similarly “Discounted Loan (Bills, Acceptances, etc.)” can be processed

Input Commitment
 This submenu facilitates input of commitment contracts

 Click on the following option to access Input Commitment
• User Menu>Credit Operations>Loans>Create Loans>Input Commitment
 Customer ID, Currency, Commitment Amount, Business Day Def, Commitment start Date
and End Date are the mandatory fields to input commitment
Input Commitment
 Loan Under Commitment (Project Loans) can be input by providing the commitment
contract reference
Loan Under Commitment (Project Loans)
Authorise/Delete Attach Limit
Authorise Attach Limit
Delete Attach Limit
Loans – Mandatory Fields
FIELDS DESCRIPTION
LIMIT REFERENCE Type of limit applicable to the account.
LIMIT PRODUCT Exact product type to which the contract belongs.
INTEREST TYPE Denotes interest types (Fixed and Variable).
INTEREST RATE Rate at which the interest is calculated.
CUSTOMER ID Specifies the customer ID.
CURRENCY Specifies the currency (USD).
BUSINESS DAY DEF Indicates those countries whose calendars must be

checked.
LOAN AMOUNT Indicates the loan amount.
LOAN START DATE Indicates the start date of the contract.
LOAN MATURITY DATE Specifies the maturity date (Due Date) of the loan.
Maintain Loans
 This enables the function of Reversal and Amendment of loans.

 Also facilitate an Early Maturity of Loan, Manual Provisioning
 Click on the following option to access Maintain Loans
• User Menu>Credit Operations>Loans>Maintain Loans
Amend/Reverse - Loans
 This submenu enables the function of Amend/Reverse - Loans

 Click on the following option to access Amend/Reverse - Loans
• User Menu>Credit Operations>Loans>Maintain Loans>Amend/Reverse - Loans
 Click on “Amend/Reverse - Loans” submenu, the relevant page is displayed with the
respective details and an option to “Reverse” and “Amendment” of Loan
• Button Functions:
 Reverse
 Removes the contract from live file.
 Amendment
 can alter the contract details.
Amend – Loans (New Interest Rate)
 The Loan amended in the form of a change in interest rate and the effective Date for the
Interest Rate to be applied towards the Principal and Interest Portions
Reverse - Loans
Online Repayment
 This submenu enables the function of repaying loans through online method
 Click on the following option to access Online Repayment
• User Menu>Credit Operations>Loans>Maintain Loans>Online Repayment
Online Repayment
 Fields related to Online Repayment include:

• Online Repay Amount.1
• Online Repay Type.1
 Indicates the repayment amount made towards Principal (P), Interest (I)or both (PI)
• Online Repay Date
Early Maturity of Loan
 Early maturity of loan can be done through this menu

 Click on the following option to access Early Maturity of Loan
• User Menu>Credit Operations>Loans>Maintain Loans>Early Maturity of Loan
 Maturity Date is considered as a mandatory field to be input for early maturity of loan
 Screen showing “Early Maturity of Loan” with Pre-close icon enabled

Manual Provisioning on Loans
 If Liquidation mode is set as manual, then the contract will not proceed for PD processing
 Click on the following option to access Manual Provisioning on Loans
• User Menu>Credit Operations>Loans>Maintain Loans>Manual Provisioning On Loans
Manual Provisioning on Mortgage Loans
Authorize Loans
 Make use of this menu, any type of contract can be authorized/deleted.

 Click on the following option to access Authorize Loans
• User Menu>Credit Operations>Loans>Authorize Loans
Authorize/Delete Commitment
 Using this submenu, commitment details can be Authorized/Deleted

 Click on the following option to access Authorize/Delete Commitment
• User Menu>Credit Operations>Loans>Authorize Loans>Authorize/Delete Commitment
Authorize/Delete Commitment
 On clicking “Authorize/Delete Commitment” menu, a form is displayed with the respective

fields and also have an option to authorize/delete commitment.
 Upon clicking the “Authorize Commitment” button, the selected commitment gets
authorized.
 Using “Delete Commitment” button, the selected commitment in INAU status gets
deleted.
 Authorized commitment cannot be deleted.
Authorize Commitment
Rest of the submenus

under “Authorize Loans”
can be done as same as
“Authorize/Delete
Commitment”
Delete Commitment
Past Dues
September 2011
Past Due – Product Overview
Loans
(LD,MM) Liquidation
account debited
Automatic irrespective of
Loans (AZ)
available amount
Mortgages
Swaps Liquidation
account debited
Liquidation Semi and balance
Accounts
mode taken to PD
Automatic
Further
LC Drawings
liquidations
managed through
Bills PD settings
MD – Charges
Commission Manual
Entire dues taken
to PD. Any
When payment liquidation is
done manually
Is due
Slide 53
Past Due – Product Overview
Current
When payment is
due, overdues alone
Penalty accruals neither calculated nor
Pre-grace booked throughout
Grace Penalties calculated. Can be charged /

waived if dues are paid when in same status
PDO Accrual and charging of penalty interest
Stops to charge penalty interest as

NAB repayment is in doubt
Outstanding deducted from current year

WOF profit and PD record is settled
FWOF Outstanding settled from Provision. Record

retained in PD for future recovery
Slide 54
Asset classification and provisioning
Standard Income
accrual
LD
NAB
MG Sub standard
WOF
Automatic
Provisioning
PD
Doubtful
Manual FWOF
Provisioning
Loss
Slide 55
PD - Parameter tables
Parameter tables for PD

 PD.ACTIVITY
 PD.ADVICES
 PM.POSN.TYPE
 PD.AMOUNT.TYPE
 PD.PARAMETER
Parameter tables for provisioning

 LN.ASSET.CLASS
 ASSET.CLASS.PARAMETER
 PD.WOF.REASON
Slide 56
Past Dues
 By clicking the “Past Dues” menu, the relevant submenus are displayed.
PD – Mandatory Fields Description
 Outstanding Payment Amount

• Identifies the total outstanding amount of the underlying contract.
 Repaid Status
• Indicates the status of the payment under due.
• Ex: CUR, NAB, PDO, etc;
 Value Date
• Date on which the payment became overdue.
 Outstanding Balance
• Specifies the outstanding balance amount. This amount is used in the calculation of penalty interest
based on the calculation basis.
 Payment Type
• Indicates the type of payment which is overdue.
• PR
 Principal Amount
• IN
 Interest Amount
• CH
 Charge Amount
• CO
 Commission Amount
• TX
 Tax Amount
 Schedule Type
• Defines the type of scheduled event (Sc, Ch & RC ) to take place.
 Limit Reference
• Identifies the Limit Reference number of the PD contract.
 Repayment Account
• Specifies the account to be debited with repayment amount.
 Provision Method
• Indicates the method of provision.
 Manually
 Automatic
 Asset Class
• Indicates the asset classification for the contract.
Settlement/Adjustment/Write - Off
 Settlement/Adjustment/Write-off menu has the following submenus.

• Repay/Adjust/Write-Off Past Dues
• Authorized/Delete Past Due Settlement
• Authorized/Delete PD Adjustment/WOF
 Using this Menu, repayment, adjustment, settlement or write off actions towards the
contract can be performed
Repay/Adjust/Write-Off Past Dues
 Click on “Repay/Adjust/Write-Off Past Dues”

 A Selection Criteria Box titled, “Repay/Adjust/Write-Off Past Due” will get displayed as
shown
 A Result screen titled, “Repay/Adjust/Write-Off Past Dues”

 This screen will display the Contracts moved to PD along with the details stated under
• Transaction Ref, Customer ID, Ccy of Transaction, Total Overdue Amount pending from the
Customer
• Loan Product that is moved to PD
• The status of the Contract in PD
 The screen displayed in the next slide shows the same
 To perform any one of the 3 Actions, click on the appropriate icon/button as stated and
displayed under:
 Repay - Click on this icon to make Full Repayment towards the Contract
 Adjust - Click on this icon to make adjustments towards the Contract
 Write Off - Click on this icon to Write Off the Outstanding Amount
Full Repayment
 For Full Repayment, enter the Repayment Date, Repayment Amount and Account to
Debit fields and commit the record
Authorise/Delete Past Due Settlement
 To Authorise the Repayment made towards the PD Contract, Use User Menu> Credit
Operations> Loans> Past Dues> Settlement/Adjustment/Write-Off Past Dues>
Authorise/Delete Past Due Settlement as shown under
 A Result screen titled, “List of Unauthorised PD Repayments” will get displayed as shown
in the next slide
 Click on (Authorise) icon

 A screen titled, “Authorise/Delete PD Repayments will get displayed as shown here
 Changes made to the PDLD Record

PDLD Contract after Authorization in ‘See’ Mode
 The PDLD Contract after full Repayment shows no Overdue Items

 The Total Overdue & Repayment Columns are nil.
Partial Settlement – Input Screen
 Partial Settlement
• Due amount can be repaid partially
Partial Settlement – Input Screen
 Overdue Amount & Partial Repayment Amount Details

Partial Settlement – Authorization Screen
Partial Settlement – After Authorization Screen
Adjustment
 To adjust the outstanding payment amount

 Mandatory field to be input for “Adjustment” submenu
• New Outstanding Amount
 By Type
 Upwards
 Downwards
Adjustment – Input Screen
Adjustment – Input Screen
Adjustment of Past Due in See mode
 The screen displayed below in ‘See’ mode is after committing the PDLD Record
Adjustment – Authorization Screen
 Click on the sub menu “Authorise/Delete PD Adjustment/WOF under

Settlement/Adjustment/Write-off
 A screen titled “List of Unauthorised PD Adjust/Write – Off will get displayed as shown
 Click on the icon highlighted in the above screen
 A screen titled, “Authorize/Delete PD Adjustment/Write Off will get displayed as shown

below
 Changes done to the PD Record

Adjustment – After Authorization Screen
 PD Record after Authorization in See mode

Write - Off
 Mandatory field to be input for “Write-off” submenu

 Repaid Status
• GRA - Grace (penalty interest is calculated but not posted)
• PDO - Past due obligation (penalty interest being calculated and posted)
• NAB - Non accrual basis (penalty interest being calculated but not posted to income i.e kept under
suspension)
• CUR - Current (not currently overdue but was previously)
• WOF (written off)
• FWOF (financial write-off)
• MAT -Matured (nothing due and underlying loan is fully repaid)
Write – Off – Input Screen
Write – Off – Input Screen
Write-off
Write – Off – Authroisation Screen
Write – Off – After Authroisation Screen
 This menu is used to Authorize/Delete past due settlement.

 Click on “Authorise/Delete Past Due Settlement”, a form is displayed with its respective
fields and an option to authorize and delete past due settlement.
 Authorize PD Settlement: Click [ ] icon, the record gets authorized.
 Delete PD Settlement: Click [ ] icon, the record gets deleted.
 On clicking “Authorize PD Settlement” button, a respective screen is displayed with an
icon to authorize that particular record.
 Similarly, the “Delete PD Settlement” can be processed.
Authorize Past Due Settlement
Delete Past Due Settlement
Authorise Pd Adjustment/Wof
Delete Pd Adjustment/Wof
Capture Overdue Amounts
Capture Overdue Amounts
 Capture Overdue Amounts have the following submenus.

• Capture Overdues from Accounts
• Capture Overdues from Contracts
• Authorize/Delete Captured Overdue Amounts
Capture Overdues From Accounts
 Click on “Capture Overdues from Accounts” menu.

 A relevant screen is displayed to enter desired fields to capture Overdues from account.
 Click “Commit” icon to save this record.
 Value Date, Outstanding Balance, Payment Type and Overdue Amount are the
mandatory fields to be input to capture Overdues from account.
 Similarly, “Capture Overdues from Contract” can be processed
Capture Overdues From Accounts
 Use User Menu> Credit Operations> Loans> Past Dues> Capture Overdue Amounts>
Capture Overdue from Accounts as shown under
 Click on the sub menu “Capture Overdues from Accounts”
 A screen titled, “Capture Overdue from Accounts” will get displayed as shown in the next
slide
 The ID is auto generated by the system
Capture Overdues From Accounts – Input Screen
Capture Overdues From Accounts – After Autorization
Capture Overdue from Contracts
Capture Overdue from Contracts as shown under
 Click on the sub menu “Capture Overdues from Contracts”
 A screen titled, “Capture Overdue from Contracts” will get displayed as shown in the next
slide
 The ID is auto generated by the system
Capture Overdues From Contracts – Input Screen
 Note: The fields Client Id, Currency and Category are defaulted by the system on input of
the Contract Reference
Capture Overdues From Contracts – After Authorization
Authorise/Delete Captured Overdue Amounts
Authorize/Delete Captured Overdue Amounts as shown under
 Click on the sub menu “Authorize/Delete Captured Overdue Amounts”
 An Enquiry screen titled, Unauthorized PD Capture Records” will get displayed as shown
in the next slide
Operations Involved In PD
 MAINTENANCE
• Used to change contract details such as “Limit Reference (PD contract), Repaid Status and
Customer Info
 ADJUSTMENT
• used to adjust the outstanding payment amounts, by type, either upwards or downwards
 REPAYMENT
• used to for entering details when a customer wishes to repay all or part of their loan amount
 SCHEDULE
• used for entering scheduled events such as rate or spread changes and for the production of
chaser advices
Maintain Overdues
 Maintain Overdues have the following submenus.

• Change Interest Rate/Spread on PDs
• Change/ Maintain Overdues
• Manual Provision of Overdues
• Financial Write off of Loan
• Repay/Move to History FWOF Loan
• Authorize/Delete PD Schedule Change
• Authorize/Delete PD Maintenance
• Authorize/Delete Repayment of FWOF Loans
Change Interest Rate/Spread On PDs
 Using this menu, Spread/Interest Rate can be changed.

 Click on “Change Interest Rate/Spread On PDS”, a relevant screen is displayed to enter
valid PD Contract ID.
 Press enter to navigate its respective screen.
 Allow to enter Schedule type, Effective date, Interest rate, New spread and Prevent retry.
 Schedule Type
• RC – Rate Change
• SC – Spread Change
• CH – Chaser
 Depends on the selection of schedule type, the fields exist in this particular form gets varied.
• Prevent Retry
 To prevent the EOD RETRY for a particular PD contract.
 Click on the sub menu, “Change Interest Rate/Spread On PDs

 A Selection Criteria Box titled, “PD Interest Rate/Spread Changes” as shown as shown
 Click on “Find”
 A Result screen titled, “PD Interest Rate/Spread Changes will get displayed
 Select the appropriate Record
 Click on update Interest/Spread icon as shown above
 A screen titled, “PD Interest Rate/Spread Changes will get displayed

 Enter the details as shown in the screen above
Change/ Maintain Overdues
 Maintain Overdues Menu

• Helps to sustain Overdues
 Click on the sub menu “Change/Maintain Overdues”
 A Selection Criteria Box titled, “Maintain Past Dues will get displayed as shown
Change/ Maintain Overdues
 A Result screen titled, “Maintain Past Dues” will get displayed as shown
Manual Provision Of Overdues
 Manual Provision Of Overdues

• Use this menu to perform Manual Provisioning of Overdues
 Click on the sub menu “Manual Provision Of Overdues”
 A Selection Criteria Box titled, “Manual Provisioning of Over Dues” will get displayed as
shown
 The system will display a Screen titled, “Manual Provisioning of PD” as shown below
 The system will display an application titled, “Manual Provisioning of Overdues” in Input
mode as shown in the next slide
Financial Write Off Of Loan
 Financial Write Off Of Loan

• Use this menu to perform Financial Write Off of Loan
 Click on the sub menu “Financial Write Off Of Loan”
 A Selection Criteria Box titled, “Financial Write-Off of Loan” will get displayed as shown
 The system will display a Screen titled, “Financial Write-Off of Loan” as shown below
 The system will display an application titled, “Financial Write off of Loan” in Input mode as
shown in the next slide
 Enter the compulsory input fields as indicated in the screen below and commit the record
Repay/Move to Hist FWOF Loan
 Repay/Move to Hist FWOF Loan

• Use this menu to perform either of the following
 Repayment of the Loan that has been Financially Written Off or
 Move the FWOF Loan to History File
 Click on the sub menu “Repay/Move to Hist FWOF Loan”
 The system will display a screen titled, “Repay/Move to Hist FWOF Loan” as shown
Repay FWOF Loan
Move to Hist FWOF Loan
 Click on the icon “Move to Hist”

 The system will display the PD Record titled, “Move Written off Loan to History” in “See”
mode as shown under
Authorise/Delete PD Schedule Change
 Authorise/Delete PD Schedule Change

• Use this menu to Authorise or Delete a Schedule
Authorise PD Schedule Change
Delete Past Due Schedule Change
 Similarly, “Authorize/Delete PD Maintenance” and “Authorise/Delete Repayment of

FWOF Loans” can be processed
Enquiries
 Through this menu, past dues enquiry can be made

 Click on “Enquiries” menu, the relevant submenus are displayed
• Outstanding Payments Due
• Overdue Items Under a PD
• List of Financially Written off PDs
 Enquiries > Past Dues
Outstanding Payments Due
 Make use of this menu, an outstanding payments due can be enquired

 Click on “Outstanding Payments Due” submenu, the relevant screen is displayed to enter
desired keyword in the criteria textbox
• Keyword (it can be any of the things that are listed under field)
 Click “Find” icon to view its relevant enquiry details
Outstanding Payments Due
Overdue Items Under a PD
 Make use of this menu, an overdue Items under a PD can be enquired

 Click on “Overdue Items Under a PD” submenu, the relevant screen is displayed to enter
desired keyword in the criteria textbox
Overdue Items Under a PD
List of Financially Written Off PDs
 Make use of this menu, a list of financially written off PDs can be enquired
 Click on “List of Financially Written Off PDs” submenu, the relevant screen, titled
“Financially Written off Past Dues” is displayed as shown below
COB Reports
 Helps to view COB reports of PD Overdue Items.

 Click on “COB Reports”, its relevant submenus are displayed.
 Loan>Past Dues>COB Reports>PD Overdue Items (Age wise analysis)
View COB Reports
Accounting Entries
Accounting Entries
 By making use of this menu, transaction (Unauthorized, Authorized, PL Category and

Forward Entries) details can be viewed
 Click on the following option to access Accounting Entries
• User Menu>Credit Operations>Loans>Accounting Entries
View Unauthorised Entries
 Use User Menu> Credit Operations> Loans> Accounting Entries> View Unauthorised
Entries as shown under
 Click on “View Unauthorised Entries”
 A Selection Criteria Box titled, “List of Unauthorised Entries” will get displayed as shown
in the next slide
 Transaction Ref in the Selection Criteria is mandatory. Enter the appropriate Transaction
Reference Id
 Click on “Find” indicated in the above screen
 A Result screen titled, “Unauthorized Entries” for the LD contract will get displayed as
shown in the next slide
 The Unauthorised Entry generated for the LD Contract will give details as stated under:
• Transaction Reference Id, Debit A/c Number, P/l Category Code (if any), Local Currency Amount,
Currency of Transaction
• Foreign Currency Amount, Value date of transaction, CRF Type, Transaction Code and CRF
Transaction Code
View Transaction Entries
 Use User Menu> Credit Operations> Loans> Accounting Entries> View Transaction
Entries as shown under
 Click on “View Transaction Entries”
 A Selection Criteria Box titled, “List of Entries” will get displayed as shown in the next
slide
 Transaction Ref in the Selection Criteria is mandatory. Enter the appropriate Transaction
Reference Id
 Click on “Find” indicated in the above screen
 A Result screen titled, “Transaction Entry” for the LD contract will get displayed as shown
in the next slide
 The above screen shows the Transaction Entry generated for LD1101877382
 Click on “view entry” icon to view the Entries generated for the PDLD Contract
 List of Transaction Entries generated for the contract

View Account Entries
 Use User Menu> Credit Operations> Loans> Accounting Entries> View Account Entries
as shown under
 Click on “View Account Entries”
 A Selection Criteria Box titled, “Account Statement” will get displayed as shown in the
next slide
 Nepali Booking Date and Account Number in the Selection Criteria is mandatory. Enter
the appropriate values in the fields as shown
 Click on “Find” indicated in the above screen. A Result screen titled, “Account Statement”
for the respective customer will get displayed as shown in the next slide
 Account Statement and LD Contract Details displayed below:

See PL Category Entries
 Using this submenu, Accounting entries booked under PL can be viewed

• User Menu>Credit Operations>Loans>Accounting Entries>See PL Category Entries
 Data mandatory for this enquiry are

• Category
• Nepali Booking Date
See Forward Entries
 By making use of this submenu, Forward entries which are made in LD Transaction can
be viewed
• User Menu>Credit Operations>Loans>Accounting Entries>See Forward Entries
See Forward Entries
 By clicking on “See Forward Entries”, a selection criteria screen is displayed to enter

Transaction Ref ID as a mandatory keyword
 Click “Find” icon to view forward entries in LD Transaction
Advices/Messages
Advices/Messages
 Using this submenu, any type of loan transactions Print and swift messages can be
viewed
 Click on the following option to access Advices/Messages
• User Menu>Credit Operations>Loans>Advices/Messages
View Loans Advices/Messages
 Click on “View Loans Advices/Messages ”, a list of Delivery messages both Print and
Swift pertaining to LD transactions will be displayed
View Loans Advices/Messages
ENQUIRIES
Enquiries
 This submenu helps to get a customized data for any type of Loan contract
 Click on the following option to access Enquiries
• User Menu>Credit Operations>Loans>Enquiries
Enquiries - LIAB
Enquiries - LIAB
Enquiries - LIAB
Enquiries – Customer Position Summary
 Using this menu, Customer position summary can be enquired.

 On clicking this menu, a form is displayed with the respective fields to enter the desired
keyword in the criteria textbox.
 Here the mandatory input is ‘Customer ID’
 Click on “Find” icon, to view customer position summary details.
 Drill down on More detail….

Enquiries – Loan Schedules (Full)
 Using this Enquiry, Schedule of a loan contract can be viewed

 On clicking this menu, a form is displayed with Contract Id as mandatory field
 Enter a valid Loan contract Id in the criteria textbox
 Click on “Find” icon, to view the Schedule of a Loan
Enquiries – Loan Schedules (Full)
Enquiries – Loan Schedules (Summary)
 Using this Enquiry, summary of the Loan Schedule can be viewed

 On clicking this menu, a form is displayed with Contract Id as mandatory field
 Enter a valid Loan contract ID in the criteria textbox
 Click on “Find” icon, to view the Schedule of a Loan
Enquiries – Loan Schedules (Summary)
Enquiries – List of Loans by Product
 This enquiry is used to show the loans sanctioned for a particular category
keyword in the criteria textbox
Enquiries – Loan Report
 This enquiry will display the entire Transaction Statement for a particular Loan
 Enquiry form contains a mandatory field called ‘ID’, enter a valid Loan Id to view the result
Enquiries – Loan Report
Enquiries – Loans disbursed Today
 This enquiry will display all the Loans disbursed today

 Click on the FIND icon to view the result
Enquiries – Loans disbursed Today
Enquiries – Loan Interest Accrual
 This enquiry will display the Interest Accruals for a Loan

 Enquiry form is displayed with the respective fields to enter the desired keyword in the
criteria textbox
Enquiries – Loan Interest Accrual
Repayment History of Loans
 This enquiry will display the Repayment History of Loans

 Enquiry form is displayed with the respective fields to enter the desired keyword in the
criteria textbox
Enquiries – Customer Provision Summary
 This enquiry will show the Customer Provision Summary

Enquiries – Overdrawn Accounts
 This enquiry will display all the Accounts that have been drawn over the limit allowed
 Click on the FIND icon to view the result
Enquiries – Overdrawn Accounts
REPORTS
COB Reports
 Using this menu, COB (Close Of Business) reports can be viewed

 Click on the following option to access COB Reports
 User Menu>Credit Operations>Loans>COB Reports
Maturing Events Report
Contract Accruals Report
Contract Status Report
PD Overdue Items (Agewise analysis)
WORKSHOPS
Workshop 1
 Utilize enquiries to view

• Loans Disbursed today
• List of Loans by product
• Loans schedules (Full)
• Loans Schedules (Summary)
Solution 1
 Loans disbursed today

Solution 1
 List of Loans by product

Solution 1
 Loans schedules (Full)

Solution 1
 Loans schedules (Summary)

Summary
 At the end of the session the participants will be able to:

• Create secured Limit
• Create unsecured Limit
• Authorize/Delete Limit
• Collateral Link
• Collateral
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Loans & Deposits Guide

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Loans & Deposits

 A loan is a type of debit transaction in banks books

Call / Notice Interest

LD can be used for Loans as well as Deposits

Parameter tables to be set up for LD

 Log on to T24 module to view the User Menu.

 Click on “Limit,Collateral Details” menu, the relevant submenus are displayed.

 If collateral code is set for a limit, then it is called as secured limit.

 Using this menu, secured/unsecured limit can be authorized/deleted.

 On clicking “Authorize/Delete Limit” menu, a form is displayed with the respective

 Used to attach a limit to overdraft account.

 By making use of this option, corporate loan can be created

 Similarly “Discounted Loan (Bills, Acceptances, etc.)” can be processed

 This submenu facilitates input of commitment contracts

LIMIT REFERENCE Type of limit applicable to the account.

LIMIT PRODUCT Exact product type to which the contract belongs.

INTEREST TYPE Denotes interest types (Fixed and Variable).

INTEREST RATE Rate at which the interest is calculated.

CUSTOMER ID Specifies the customer ID.

CURRENCY Specifies the currency (USD).

BUSINESS DAY DEF Indicates those countries whose calendars must be

LOAN AMOUNT Indicates the loan amount.

LOAN START DATE Indicates the start date of the contract.

 This enables the function of Reversal and Amendment of loans.

 This submenu enables the function of Amend/Reverse - Loans

 Fields related to Online Repayment include:

 Early maturity of loan can be done through this menu

 Screen showing “Early Maturity of Loan” with Pre-close icon enabled

 Make use of this menu, any type of contract can be authorized/deleted.

 Using this submenu, commitment details can be Authorized/Deleted

 On clicking “Authorize/Delete Commitment” menu, a form is displayed with the respective

Rest of the submenus

Grace Penalties calculated. Can be charged /

PDO Accrual and charging of penalty interest

Stops to charge penalty interest as

Outstanding deducted from current year

FWOF Outstanding settled from Provision. Record

Parameter tables for PD

Parameter tables for provisioning

 Outstanding Payment Amount

 Settlement/Adjustment/Write-off menu has the following submenus.

 Click on “Repay/Adjust/Write-Off Past Dues”

 A Result screen titled, “Repay/Adjust/Write-Off Past Dues”

 Click on (Authorise) icon

 Changes made to the PDLD Record

 The PDLD Contract after full Repayment shows no Overdue Items

 Overdue Amount & Partial Repayment Amount Details

 To adjust the outstanding payment amount

 Click on the sub menu “Authorise/Delete PD Adjustment/WOF under

 A screen titled, “Authorize/Delete PD Adjustment/Write Off will get displayed as shown

 Changes done to the PD Record

 PD Record after Authorization in See mode

 Mandatory field to be input for “Write-off” submenu

 This menu is used to Authorize/Delete past due settlement.

 Capture Overdue Amounts have the following submenus.

 Click on “Capture Overdues from Accounts” menu.

 Maintain Overdues have the following submenus.

 Using this menu, Spread/Interest Rate can be changed.

 Click on the sub menu, “Change Interest Rate/Spread On PDs

 A screen titled, “PD Interest Rate/Spread Changes will get displayed

 Maintain Overdues Menu

 Manual Provision Of Overdues

 Financial Write Off Of Loan