Model Bank

Universal Banking – Pre-Sales Demo User Guide

(R19 Build)

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for any purpose, without the express written permission of TEMENOS HEADQUARTERS SA.

© 2018 Temenos Headquarters SA - all rights reserved.

Presales User Guide

Table of Contents
Table of Contents ......................................................................................................................................... 2
Document History ......................................................................................................................................... 3
CORPORATE ............................................................................................................................................... 4
CUSTOMERS & ACCOUNTS................................................................................................................... 4
Customer SONY .................................................................................................................................... 4
Customer YHS ....................................................................................................................................... 4
Customer CADBURY ............................................................................................................................ 4
Accounts for SONY ............................................................................................................................... 5
Accounts for YHS .................................................................................................................................. 5
Accounts for CADBURY ........................................................................................................................ 5
ROLE BASED HOME PAGES .................................................................................................................. 6
Customer Relationship Manager ........................................................................................................... 6
Trade Finance Officer ............................................................................................................................ 7
Trade Finance Supervisor ..................................................................................................................... 9
Corporate Lending Administrator ........................................................................................................ 10
Corporate Lending Supervisor ............................................................................................................ 11
Syndicated Lending Administrator ....................................................................................................... 11
Syndicated Lending Supervisor ........................................................................................................... 12
Credit Officer ....................................................................................................................................... 13
Balance Netting Administrator ............................................................................................................. 14
TREASURY ................................................................................................................................................ 16
CUSTOMERS & ACCOUNTS................................................................................................................. 16
Customer PNC .................................................................................................................................... 16
Customer CIBC ................................................................................................................................... 16
Customer PNC’s account .................................................................................................................... 16
Customer CIBC’s account ................................................................................................................... 17
ROLE BASED HOME PAGES ................................................................................................................ 17
Treasury Front Office........................................................................................................................... 17
Treasury Back Office ........................................................................................................................... 18
TREASURY FRONT OFFICE (TFO):* .................................................................................................... 18

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Document History

Author Version Date

Nepolian 1.0 18 Mar 2019

Jibran 1.1 17 April 2019

Desikan 1.2

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CORPORATE
In T24 Universal Banking, the transaction records have been built up with three corporate
customers Sony, Cadbury & YHS for which limits are held at global level. Bank can insist on multi
company limit setup with one company in the group acting as liability customer with others as
members of the group.

 Customer SONY present in Multi Company

 Customer YHS present in Lead Company
 Customer CADBURY present in Multi Company

CUSTOMERS & ACCOUNTS

In Model Bank (Universal Banking) the following customers have been created in the multi
company books, where the customer in the base company acts as a liability customer and others
as member customer.

Customer SONY

Customer YHS

Customer CADBURY

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Similarly all customers has got account in their own company books

Accounts for SONY

Accounts for YHS

Accounts for CADBURY

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ROLE BASED HOME PAGES

The following Role Based Home Pages are present in Corporate Banking Operations.
 Customer Relationship Manager
 Trade Finance Officer
 Trade Finance Supervisor
 Corporate Lending Administrator
 Corporate Lending Supervisor
 Syndicated Lending Administrator
 Syndicated Lending Supervisor
 Credit Officer
 Credit Manager
 Balance Netting Administrator

Customer Relationship Manager

Corporate Relationship Manager (CRM) is the first point of contact who liaises with the client
based on their needs. Customer Relationship Manager is responsible for handling face-to-face
enquiries from the customer and to provide services on Corporate related products.

To Login to this page please use the following

Login ID: CORP.RELATION
Password: 123456

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CRM initiates the following business processes:

 Customer on boarding
 Corporate Account opening through PW process
 Corporate Deposits, Amendments & Maturity
 Repayment & Partial Repayment of Loan
 Cash Management through Transactional Pooling, Notional Pooling
 Funds Transfer Between Accounts
 Cheque Issue, Collection & Realisation
 Issuing of Draft
 View Various Enquires, Documents
 View Reports through Single Customer View

Trade Finance Officer

The Trade Finance home page has a custom set of Menus/Enquiries required by the Trade
Finance Officer to carry on his operations.

To Login to this page please use the following

Login ID: TFOFFICER1
Password: 123456

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Trade Finance officer can perform the following activities:

 Issue Import LC, Advice Export LC, Amendments

 Drawings under the LCs
 Lodge Import and Export collections, Amendment
 Settlement of documents
 Issue Guarantee, Amend, Claim and Settle guarantee
 Record the guarantee received and register invocation claim
 Act on requests initiated by Internet Banking Customers (TCIB) to
 Issue or Amend Import LCs
 Issue or Amend Guarantees
 Register Invocation Claim on Guarantees received
 Lodge Outward Collections
 Record acceptance/rejection by TCIB Customers for
 Discrepancies in Import LC documents
 Amendment of Export LCs requiring Bene’s Consent
 Invocation claims on Guarantees issued
 Inward Collections
 Send queries and receive responses to/from TCIB Customers for
 Issuance/amendment of Import LCs
 Issuance/amendment of Guarantee
 Invocation Claim on Guarantee received
 Lodging Outward Collections
 Export LC documents submitted
 Upload invoices and register Receivables, Batch Receivables
 Disburse and Settle Receivables
 Input Miscellaneous Messages (like 790/490,799/499)
 View, Read and reply messages received
 View various Enquires & Reports through Single Customer View

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Trade Finance Supervisor

Trade Finance Supervisor home page has a custom set of Menus/Enquiries required by the Trade
Finance Supervisor to carry on his authorization process and other operations.

To Login to this page please use the following

Login ID: TFSUPERVISOR1
Password: 123456

The Trade Finance Supervisor can perform the following activities:

 Authorise Import LC, Advice Export LC, Amendments of LCs

 Drawings under the LCs
 Authorise Import and Export collections, Amendment
 Settlement of documents
 Authorise Guarantee, Amend, Claim and Settle guarantee
 Authorise the received guarantee
 Authorise Receivable Register, Batched Register
 Authorise Disbursement & Settlement of Receivable registers
 Authorise Messages like 790/490, 792/492, 795/495 & 799/499
 View, Read and reply messages received
 View various Enquires & Reports through Single Customer View

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Corporate Lending Administrator

Corporate Lending Administrator Home Page has custom menus/enquiries, which are needed by
a Corporate Lending Administrator to carry out his day-to-day work. The home page covers LD,
PD and Syndicated Lending modules.
To Login to this page please use the following
Login ID: CORP.OFF
Password: 123456

The Corporate Lending Administrator can perform the following activities:

 Attach Limit to Overdraft Account
 Input Corporate Loans & Discounted Loan (Bills, Acceptance, etc)
 Input Commitment & Loan under Commitment (Project Loans)
 Maintain Loans
 Process Past dues
 View Reports and enquires

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Corporate Lending Supervisor

Corporate Loan Supervisor Home Page has custom menus/enquiries, which are needed by a
Corporate Loan Supervisor to carry out his day-to-day work.
To Login to this page please use the following
Login ID: CORP.MGR
Password: 123456

The Corporate Loan Supervisor can perform the following activities:

 Authorising Commitments
 Authorise disbursement of loans
 Authorise settlement instructions of loan
 Authorise Past Due & view enquiries and reports

Syndicated Lending Administrator

Syndicated Lending Administrator Home Page has custom menus/enquiries, which are needed
by a Syndicated Lending Administrator to carry out his day-to-day work.
To Login to this page please use the following
Login ID: SYND.OFF
Password: 123456

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The Syndicated Lending Administrator can perform the following activities:

 Input Pre Syndication & Facility
 Input Bilateral Facility
 Input Drawdown and repayment under the facility
 Input Rollover-Merger-Split of Loans
 Convert Syndicate to Bilateral and Bilateral to Syndicate Facility
 Trading of loans, LCs and guarantee inputted under the facility

Syndicated Lending Supervisor

Syndicated Lending Supervisor Home Page has custom menus/enquiries, which are needed by a
Syndicated Lending Supervisor to carry out his day-to-day work.
To Login to this page please use the following
Login ID: SYND.MGR
Password: 123456

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The Syndicated Lending Supervisor can perform the following activities:

 Authorise Pre Syndication & Facility
 Authorise Bilateral Facility
 Authorise Drawdown and Repayment under the facility
 Authorise Rollover-Merger-Split of Loans
 Authorise Trade loans, LCs, guarantee inputted under the facility

Credit Officer
Credit Officer Home Page has custom menus/enquiries, which are needed by a Credit Risk Officer
to carry out his day-to-day work.
To Login to this page please use the following
Login ID: CREDITOFF
Password: 123456

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The Credit Officer can perform the following activities:

 Setup Limits and Collaterals
 Maintain Limits and collaterals
 View various Enquires & Reports

Credit Manager
Credit Manager Home Page has custom menus/enquiries/reports, which are needed by a Credit
Risk Manager to carry out his day-to-day work.
To Login to this page please use the following
Login ID: CREDITMGR
Password: 123456

The Credit Manager can perform the following activities:

 Authorise/Delete Limit and collaterals
 Reject the Limit transaction to credit officer for modification
 View Reports and enquires

Balance Netting Administrator

Balance Netting Administrator(BN User) has access to Cash Pool of different customers across
different companies. BN User can create, view, edit and perform various activities that are
allowed under the cash pool.
To Login to this page please use the following
Login ID: BNUSER1
Password: 123456

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The Balance Netting User can perform the following activities:

 Create a Balance Netting Cash Pool manually or automatically.

 View the structure of the cash pool through overview of bundle.

 Add standalone account to the cash pool, Change the parent of cash pool accounts
and remove accounts from the cash pool if required.

 Set up Sweeps, Standing order and Funds Transfer for the TR accounts in the cash
pool.

 View multi-company cash pool records of the customer.

 Assist the corporate group to manage cash flow and bank account balances efficiently
by being able to concentrate balances per currency at the Pool level, net interest is
optimized for the whole group.

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TREASURY
In T24 Model Bank, Treasury Banking covers Forex, Forward Rate Agreement, Money Market,
Non-Deliverable Forward, Position Management, Interest Rate Swaps (IRS) and Currency Interest
Rate Swaps (CIRS) products.

CUSTOMERS & ACCOUNTS

In Model Bank the following customer have been created to showcase the Treasury related
product feature

Customer PNC

Customer CIBC

Customer PNC’s account

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Customer CIBC’s account

ROLE BASED HOME PAGES

The following Role Based Home Pages are present in Treasury Operations
 Treasury Front Office
 Treasury Back Office

Treasury Front Office

The Treasury Front Office home page has a custom set of Menus/Enquiries required by the
Treasury Front Office to carry on their operations covering applications - Forex, Money Market,
Repo, Swap, Forward Rate Agreement, Securities, Derivatives and Position Management. This
home page will help the user to input/amend Treasury Transactions and view enquiries. The
various components in this Home page are explained under the relevant sections below.
To Login to this page please use the following
Login Id: DEALER1
Password: 123456

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Activities like Capture of Deals, Position Management Enquiries and General Enquiries etc. can
be done from the Front office page.

Treasury Back Office

Treasury Back Office page has set of Enquiries required by Treasury Supervisor to carry on with
his process.
To Login to this page please use the following:
Login Id: SUPERVISOR01
Password: 123456

Activities pertaining to Nostro Accounts, Position Management Enquiries, Authorization

Enquiries and General Enquiries etc. can be done from the Back office page.

TREASURY FRONT OFFICE (TFO):*

Treasury Front Office or TFO is the front end user interface of T24 which is designed to
carry out Treasury related activities. The objective of TFO is to replace the Front office
Treasury Trader system with the new treasury user agent that uses the Temenos UX
platform (Edge) and interacts with T24 system via IRIS. The selected functionalities that
TT offered are to be supported using the new Treasury Front Office module (TY Module).

This module (TY) which stands for Treasury, has been introduced to support the
functioning of TFO which contains the following tables/parameters

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TY.PARAMETER allows the user to define their preferences and default values, such as
Rate Source, Rate provider and revaluation currency.
TY.CURRENCY.PAIR allows the definition of currency pairs to be used in the TFO. This
table lists all the currency pairs available to the dealer. Records in this table is displayed
in TFO. Rates for the multiple Tenors for a single cross currency can be created using
the TY.MARKET.RATE for which the currency pair should be a valid record in Ty
currency pair.
The rates for the tenors for the valid currency pairs are sourced from the data vendors
like Reuters & Bloomberg. The records for rate providers are set in the table
TY.RATE.PROVIDERS and the bank can as well add on based on their source providers
/ data vendors.*
TY.EXCEPTIONS: This table has been introduced as part of Exceptions Workflow. This
table is used to define the overrides per product for the Exception workflow process in
TFO.
Exceptions Workflow for Forex, Forward Rate Agreement, Money Market, Swap and
Non Deliverable Forwards has been introduced in TFO. This feature allows the Front
Office Deal capture to undergo a flow of Verification and Authorisation by the exception
Handler (Chief Dealer and Back Office Supervisor).
When a deal is captured in FO with Overrides which are defined in the
TY.EXCEPTIONS table, upon committing the transaction, the deal flows to the Chief
Dealer for Approval (for Overrides) and then to Back office for Authorisation.

*For more information, please refer to the TFO user guide.

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