1 Copyright 2015 Oracle andor its affiliates All

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

Accelerator Pack 12. 1 Integrated Liquidity Management 2 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Contents • Introduction • Products • ILM Pooling • ILM Sweeping • ILM Pooling and sweep 3 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Introduction This document describes the sample ILM products that are offered off-the-shelf § ILM module of FLEXCUBE supports processing of products like, – Pooling accounts – Sweep accounts 4 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 1 – ILM pooling § This offering has all basic features that are needed for a corporate customer to open an account which could participate in the pooling account structure either as a header, Parent or Child This product would be used to pool the whole balances of all the accounts maintained in an account structure notionally. § Features of Account class – ILM 001 – Booking of deposit with pooling facility – The account will get the credit or debit interest as per the amount it contributed to its parent 5 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 1 – ILM Pooling Overdraft Track receivable Account statistics 6 Account class parameters Yes Yes Exclude Same Day Reversal Transactions from Statement Yes Back period entry allowed Yes Interest charges Track accrued interest Yes Debit credit advices Yes Posting allowed Yes Interest statement Yes Available balance check required Integrated liquidity management Yes Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 1 – ILM Pooling § Features of Rule – PHR 1, PRC 1, NINT – Fixed interest rate of 10% – Interest based on pool leader and pool reallocation accounts – Credit interest rate based on normal rule § Features of Product – PHR 1, PRC 1, NINT – Accrual frequency as daily – Account level accrual – Liquidation frequency as 1 month – Payment method as bearing 7 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 2 – ILM sweep § This offering has all basic features that are needed for a corporate customer to open an account which could participate in the pooling account structure either as a header, Parent or Child This product would be used to sweep the balances of all the accounts maintained in an account structure. Physical funds are moved in account structure from child to parent or parent to child. § Features of Account class – ILM 002 – Booking of deposit with sweep facility – Integrated liquidated management option is enabled 8 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 2 – ILM Sweep Overdraft Track receivable Account statistics 9 Account class parameters No Yes Exclude Same Day Reversal Transactions from Statement Yes Back period entry allowed Yes Interest charges Track accrued interest Yes Debit credit advices Yes Posting allowed Yes Interest statement Yes Available balance check required Integrated liquidity management Yes Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 2 – ILM Sweep § Features of Rule – PRC 1, NINT – Fixed interest rate of 10% – Interest based on pool reallocation – Credit interest rate based on normal rule § Features of Product – PRC 1, NINT – Accrual frequency as daily – Account level accrual – Liquidation frequency as 1 month – Payment method as bearing 10 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 3 – ILM pooling & sweep § This product purpose is to create an account which would be used either to Pool or Sweep the balances of all the accounts maintained in an account structure. As per the sweep type whether its pooling or sweeping used in the account structure the funds would be moved from child to parent or parent to child notionally or physically. § Features of Account class – ILM 003 – Booking of deposit with sweep and pool facility – Integrated liquidated management option is enabled 11 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 3 – ILM pooling & sweep Overdraft Track receivable Account statistics 12 Account class parameters No Yes Exclude Same Day Reversal Transactions from Statement Yes Back period entry allowed Yes Interest charges Track accrued interest Yes Debit credit advices Yes Posting allowed Yes Interest statement Yes Available balance check required Integrated liquidity management Yes Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

Accelerator Pack – Integrated liquidity management Product 3 – ILM pooling & sweep § Features of Rule – PHR 1, PRC 1, NINT – Fixed interest rate of 10% – Interest based on pool leader and pool reallocation accounts – Credit interest rate based on normal rule § Features of Product – PHR 1, PRC 1, NINT – Accrual frequency as daily – Account level accrual – Liquidation frequency as 1 month – Payment method as bearing 13 Copyright © 2015, Oracle and/or its affiliates. All rights reserved.

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

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