1 Copyright 2015 Oracle andor its affiliates All

1 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack FCUBS 14. 1. 0. 0. 0 Interest & Charges 2 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Program Agenda § IC– Introduction § IC– Products 3 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

IC – Introduction 4 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Introduction ØIntroduction IC module of FLEXCUBE is used to process the Interest and Charges. ØBrief info on Functional / Operations feature § Calculating Interest § Calculating Charges on Different Basis. § Interest Collection Methods – Bearing, Discounted and True Discounted § Interest Rate Type – Fixed Floating and Special 5 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Introduction Charges Charge Collection – The system can calculate the charges on different basis 6 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

IC– Products 7 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

IC – Products Ø List of all the Pre-shipped products § ICUL interest on saving & current bank accounts for corporate customer § IOCC interest on current account for corporate customer § IOCP debit interest on current accounts § DICP debit interest on current account § IDSR interest on saving & current bank accounts for retail customer § IOSR interest on saving & current bank accounts for retail customer § ODID Overdraft Interest for Line Accounts § IBSR Interest on Staff Accounts 8 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

IC– Products Ø List of all the Pre-shipped products § ICPO – Debit Interest on Overdraft Accounts § INRL – Interest Rule Based on Monthly Minimum Balance § IODB – Debit Interest Product for Overdraft with TD Linkage § NMSC – Adhoc Statement Charge § PEN 2 – Penalty Interest on Notice Accounts § TRCH – Turnover Charge § UCHG – Charge based on utilization § UNCG – Charge Based on Unutilziation 9 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

IC– Products Ø List of all the Pre-shipped products Ø YCRT – YTD Credit Turnover Ø YDRT - YTD Debit Turnover Ø YNET – YTD Net Turnover Ø YTCH – Year to date no of transactions Ø CHAV – Charge on Breaching Minimum Required average balance Ø DRTC - Debit Turnover 10 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

IC– Products Ø List of all the Pre-shipped products § CRTC credit turnover § ITCH number of transactions § DCBL Debit Card Blocked § DCIS Debit Card issued § DOCH Dormancy Charge § FACC Facility Creation Fee § FAEF Facility Expiration Fee 11 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

IC– Products Ø List of all the Pre-shipped products § FAIF – Facility Increase Fee § FARF – Facility Renewal Fee 12 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

13 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

14 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.