T4 AA Retail

AA Retail
TEMENOS EDUCATION CENTRE

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CAMB
Objectives – Retail Accounts
In this course, you will be introduced to Retail Accounts with the mention of some
basic and important Property Classes
After completing this learning unit, you will be able to:
 Understand the product overview of T24 Accounts and Retail Accounts
 Identify Application specific parameter tables for designing a Retail Account

product
 Configure a Retail Account Product
 Perform user activities and transactions related to the Product
Slide 2
Overview of Arrangement Accounts
Slide 3
Accounts - Product Management
Product
Types Savings and Current products with eligibility checks based on customers.
Interest & Fixed, Floating, Periodic interest with/without compounding.

Charges
Supports Transaction based, Event based and Periodic charges.
Operational Event based restrictions such as restrictions on number of transactions can be

Restrictions
defined for every product.
Overdraft Overdraft facilities can be provided and monitored.
Tax on
Tax conditions can be defined for interest and Charges on accounts.
Interest
Account
Dormancy of accounts and reactivation supported.
Inactivity
Slide 4
Account Management
Account
types Customer accounts (Savings, Current)
Account
Numbering Check digit validations, IBAN compliant, Legacy account number storage facility.
Multi-
Currency Accounts are currency specific which can handle multi-currency transactions.
Image and Customer Images, Signature and Documents required to open accounts can be
Document
collected and stored as a digital copy.
Balance Stores various balances – ledger balance, cleared balance and working balance .
updates
All of these are updated online.
Accruals and
Capitalization Accrual and capitalization of debit and credit interest can be defined.
Slide 5
Arrangement Accounts – Product overview
Eligible
Negotiable
products /
Default product
Non
Negotiable
Arrangement
Conditions
Arrangement
Account
Product
Tracking
Conditions
Arrangement
Account
Non Tracking
Limit Credit Debit

Balance Balance
Eligibility
Interest Interest
expense Income
Arrangement
Account
Charge Charge
Income Income
Slide 6
Arrangement Account Dependencies – Product Related
 Arrangement Accounts have Customer

type of accounts
 Suggested sub categories are
 Current accounts 1000 – 1999
 Vostro accounts 2000 – 2999
 Others 3000 – 3999
 Nostro accounts 5000 – 5999
 Savings accounts 6000 – 6499
 Savings pass book 6500 – 6999
 Provision accounts 7000 – 7999
 Contingent accounts 9000 – 9999
Slide 7
Model Bank Product Groups and Products
Slide 8
Workshop - 1 Creation of an Accounts Arrangement
 Use User Menu > Retail Operations > Account Arrangement

> Product Catalog > Retail Accounts > Current Account
Group> Current Account
 Create an Arrangement for your Customer for the above
Product
 Limit amount as 50,000
 Commit the Arrangement and get it authorised
 Transfer funds into the Account
Slide 9
Workshop – 1- Solution Creation of an Accounts Arrangement
Slide 10
Slide 11
Slide 12
Slide 13
Understanding the Arrangement Overview
User Menu > Retail Operations > Account Arrangement > Account Arrangement
Label Description
Arrangement Contract reference
Account Arrangement Account Reference
Product Product of the Account
Slide 14
Label Description
Limit Reference Limit Product and Serial
Number
Manage Limit Set to Yes if AA manages the
underlying Limit
Single Limit Indicates that this limit cannot
be shared by other
arrangements. Will always be
Yes if AA manages the LIMIT
Slide 15
Label Description
Ledger Cleared Balance + Uncleared
Balance funds
Cleared All authorised Credits and
Balance Debits (only cleared funds=no
future exposure dated credits
included)
Working Cleared Balance +

Balance Unauthorised Debits
Available Limit Overdraft Available
Overdraft
Slide 16
Label Description
Financial AVAILABLE Balance multi-
Summary value set from ACCOUNT
Record
Locked Funds Enquiry on
AC.LOCKED.EVENTS and
“New” Icon
Accruals Interest accruals till date
Slide 17
Label Description
Activity Log Lists all Current and Pending Activities
Recent Txns Recent transactions on the account in

descending order
Enquiries General Account related enquiries
Slide 18
Label Description
New Activity Facilities in Accounts and
amendment of existing Activity
Slide 19
Arrangement Accounts
Application specific Parameters
Slide 20
AA - Tables used for building components
 Tables used for building re-usable

components :
 AA.PROPERTY.CLASS
 AA.PROPERTY
 AA.PERIODIC.ATTRIBUTE.CLASS
 AA.PERIODIC.ATTRIBUTE
 AA.ACTIVITY.CLASS
 AA.ACTIVITY
 AA.PRD.DES.<PROPERTY.CLASS>
 AA.SOURCE.CALC.TYPE
 AA.PROPERTY.CLASS.ACTION
Slide 21
AA - Tables used for building components
 Released by Temenos:
AA.PROPERTY.CLASS
AA.PERIODIC.ATTRIBUTE.CLASS
AA.PROPERTY.CLASS.ACTION
AA.ACTIVITY.CLASS
 Tables set up during implementation:

AA.PROPERTY
AA.PRD.DES.<PROPERTY.CLASS>
AA.PERIODIC.ATTRIBUTE Slide 22
AA.PROPERTY.CLASS
 Released by TEMENOS to define Actions and Attributes for any

underlying Property and Product condition
Type
Attributes controlled by TYPE Field Property
Class
CCY, OPT.CCY, DATED, MULTIPLE, MERGE,
FORWARD.DATED, TRACKING, NON.TRACKING ,
TRACKING.ONLY, ARRANGEMENT, TRIGGER Product Line Balance
Prefix
ACCOUNTS, DEPOSITS, Pre-fixes for Balance

INTERNET.SERVICES, types controlled by
LENDING, BALANCE.PREFIX
PROXY.SERVICES, Field
PRODUCT.BUNDLE,
OTHER CUR, ACC, DUE,
AGE, EXP, UND,
PAY, UNC, TOT
Slide 23
AA.PROPERTY
 Property is a named type / instance of a Property Class

 Property is attached to Product Group from where it is derived in a Product
 Multiple properties of the same Property Class can be used in a Product, if
so allowed in the Property Class
FORWARD.DATED
PRODUCT ONLY
Future dated properties appear alongside
Details defined at Product level cannot be
current condition as multiple tabs for
viewed or amended at Arrangement Level
negotiation at a later date
RESIDUAL ACCRUAL
SUSPEND Property When interest accrued is greater than
Property can suspend income. Applicable
Type amount made due, excess amount moved
for INTEREST and CHARGE properties
to RES<INTEREST>
SUSPEND OVERDUES
Property can suspend overdue incomes CREDIT
Option possible only if SUSPEND also Null Property (Charge) is payable to customer
opted
Slide 24
AA.PRD.DES.<Property Class>
 To be defined for every Property class, by associating Id of the

respective Property class
 AA.PRD.DES.ACCOUNT, AA.PRD.DES.INTEREST
 Possible to create different Product Conditions for a Property Class

 Also possible to create different dated records for Product Condition
 Fields of a Product condition represent attributes of the associated

Property Class
Product
Category condition for
Account
Posting
Restrict Currency
Slide 25
AA.PRD.DES.<Property Class>
 Product conditions have to be Date specific if Property class is set so
 Can be currency specific if the corresponding Property Class allows it

 For product allowing multi currencies, product conditions for each of the
currencies must be defined
 Currency can be optional - e.g. Charge Product condition
 Currency and Effective Date form part of Product condition Id

 FIXED.RATE-USD-20100101; FIXED.INTEREST-GBP-20100101
 Possible to set conditions with future value date
Attributes controlled by TYPE

Field Type Property
Class
CCY, OPT.CCY, DATED
Slide 26
 This application holds information on actions performed in each

PROPERTY CLASS
 The information covers:

 Actions for each PROPERTY CLASS
 Accounting entry generated or not for the action
 Product Line
Slide 27
Arrangement Accounts Property
Classes, Properties and Product
Conditions
Slide 28
AA Accounts Property Classes - Overview
Eligibility Interest Charge Payment Rules
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity Periodic

Presentation Mapping Charges charges
Slide 29
Account Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Maintenance Activity
Activity Charge Override
Mapping Periodic Charges Charges
Slide 30
Customer Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 31
Limit Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 32
Interest Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 33
Settlement Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 34
Charge Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 35
Charge Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 36
Eligibility Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 37
Payment Schedule Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 38
Closure Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 39
Change Product Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 40
Activity Restriction Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 41
Accounting Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 42
Balance Availability Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 43
Activity Charges, Charge Override Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Maintenance Activity Charges
Activity
Periodic Charges Charge Override
Mapping
Slide 44
Periodic Charges Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Maintenance Activity Charges
Activity
Mapping Periodic Charges Charge Override
Slide 45
Activity Mapping Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 46
Balance Maintenance Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 47
Tax Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 48
Officers Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 49
Payment / Payout Rules Property Class
Interest Settlement
Charge
Limit Eligibility
Payment
Customer Schedule
Account Closure
Payment/ Change
Payout Rules
Accounts Product
Activity
Officers
Restriction
Tax Accounting
Balance
Balance
Availability
Slide 50
Customer, Officers & Activity Mapping
Slide 51
Customer – Arrangement features
 Customer entered into New

Arrangement Activity
 This customer becomes the Primary Owner
 Must be a valid record in CUSTOMER application
 Primary owner automatically defaulted in the list of other owners
 User can add other owners manually
 Primary owner can be changed:

 Through update Customer activity
 Can be replaced with any valid T24 Customer
 Limit sanctioned to Primary owner alone

can be used in Arrangement Slide 52
CUSTOMER Property Class
Limit Interest Charge Eligibility
Payment
Account
Schedule
Customer Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity Balance

Presentation Mapping Charges Availability
Slide 53
Customer - Property Class
 Customer Property class is mandatory

 Customer Property cannot be set as
Tracking and it isProperty
Dated
Class
CUSTOMER
Attributes: Balance Prefix

NIL
DATED, NON-TRACKING
Slide 54
Customer – Product Condition
 Product conditions can be set regarding

Owner, Primary Owner, Other Party,
Role and Notes
 Typically set as Negotiable at Arrangement level
 Primary owner in Arrangement used for Accounting, Reporting and Limit
 Other owners can be added at arrangement level
 Other parties (Guarantor, Co-signatory etc ) associated to an Agreement, to
be defined in AA.PARTY.ROLE
Owner1
Owner
Primary Owner
Owner 2
Guaranto
r Other Party
Co-signatory Other Party
Arrangement Benef
iciary
Other Party
Slide 55
Example Customer Product Condition
Slide 56
OFFICERS Property Class
Payment
Customer
Schedule
Officers Closure
Accounts
Activity
Account
Restriction
Tax Accounting

Slide 57
Officers - Property Class
 Property for Officers can be set as

Tracking
 Update Action Property

possible
Class
 Will not generate Accounting entry
OFFICERS

NIL
DATED, TRACKING
Slide 58
Officers – Product Condition
 Primary Officer
• Main Officer responsible for the Product or Arrangement
 Other Officers
Other Officers have specified role
Both of above must be a valid Officer in DEPT.ACCT.OFFICER file
 Roles for Other Officers

• A Role for each Officer can be defined
• Must be a valid role defined in AA.OFFICER.ROLE Virtual Table
 Notes for Other Officers
 Default value is Account Officer defined in CUSTOMER record
Slide 59
Example - Creating a new Officers Product Condition
Slide 60
Activity Mapping – Links
 Transaction Type
AC
 Maps to FT.TXN.TYPE.CONDITION
Transaction Code 258

 Using FT.TXN.TYPE.CONDITION 213
Activity Mapping
 Which maps to ACCOUNTS-CREDIT-ARRANGEMENT
Activity ACCOUNTS-DEBIT-ARRANGEMENT
 Using AA Activity Mapping
 Similar mappings Slide 61

ACTIVITY.MAPPING Property Class
Payment
Customer
Schedule
Activity Mapping Closure
Accounts
Activity
Account
Restriction
Tax Accounting
Activity Activity Balance

Officers
Presentation Charges Availability
Slide 62
Activity Mapping - Property Class
 Values cannot be viewed or edited at arrangement level
 Arrangement level values track changes to Product condition
Property Class
ACTIVITY.MAPPING
Attributes:
Balance Prefix
DATED, MERGE NIL
TRACKING.ONLY
Slide 63
Activity Mapping - Product Condition
 Transaction
 Payments and withdrawals in Account arrangements initiated through
Account based applications like FT, TELLER
 Transactions triggered through Transaction Codes
 Transaction Codes of other applications that trigger AA activities specified
 Transaction Activity
 Activity performed in an arrangement when a movement with associated
Transaction Codes is posted from FT, Teller etc.
 Default Activities for unmapped

Transaction Codes of Debits and
Credits can be specified
Slide 64
Example - Creating Activity Mapping Product Condition
Slide 65
Quiz – Answer the following
1.Accounts Arrangements include

Customer Accounts, Internal Accounts,
contingent accounts as also Nostro and
Vostro accounts
a) True
b) False
2.Eligibility conditions help in creating

different Product Catalogues for
different customers
a) True
b) False
Slide 66
Accounts
Slide 67
ACCOUNT.CLASS
 Records in this table are Account or

Class or PL type
 Account type records required for

automatic debit / credit by the System
while operating modules like FX, LC,
MM, LD, DC etc.
 Internal accounts in local currency should be opened for them
 Class type records required for

validation of specific class of accounts Slide 68
Arrangement References
 Arrangement Number
 Definitive, Unique reference of the Arrangement
 Account Number
 Is typically the reference number given to the Customer (i.e., Cheque Book)
 Internally, is also the GL reference of the Arrangement
 Structure and validation configured in COMPANY
 Alternate Account numbers

 External/Alternate references to the Account component of the arrangement
i.e., Legacy Reference, IBAN etc.
 Structure and validation configured in ALT.ACCT.PARAMETER
 AA.ARRANGEMENT.ACTIVITY Reference
 Key to an “Activity” done on an arrangement.
Slide 69
ALT.ACCT.PARAMETER
 Possible to reference T24 account

numbers through alternate account
numbers also
 ALT.ACCT.PARAMETER Table should be set up to indicate conditions for

check digit and size of alternate account numbers
 In ACCOUNT.PARAMETER, ALTERNATE.ACC.IDS Field to be set as Y

and ALTERNATE.ID Field to be used to indicate access identifiers defined in
ALT.ACCT.PARAMETER
 Alternate account number should be loaded into ALT.ACCT.ID Field in

individual accounts
 System automatically maintains the old and corresponding new numbers in

Slide 70
ALT.ACCT.PARAMETER settings
Slide 71
ALT.ACCT.PARAMETER in Arrangement
Slide 72
Constraints /Maintenance
Slide 73
Constraints– REFERAL
 Used to establish conditions under

which details of an Account or entries
over an Account should be referred to
the Account Officer
 COB report containing details of transactions and balances to be referred
 Conditions could be set up to cover

 One or more transaction codes or ranges thereof
 Specific movements like Debit, Credit and Reversal
 Minimum and / or maximum amount of movements
 Combination of transaction code, movement type and amount
• Miscellaneous debits reversed for amounts above USD 500
 Balances at the close of business for accounts that had movements during
the day
• i.e. Closing Debit balances greater than USD 50,000 created today
Slide 74
Constraints – POSTING.RESTRICT
 Posting restrictions can be defined to

restrict Debit, Credit or all entries
 Any pre defined POSTING.RESTRICT record can be specified to an
Account to produce suitable overrides
 Post no debits, Post no credits, Pending closure etc.
 Does not affect interest and charges debited/credited to an account
 May be assigned to Customers and / or

Accounts as required
 Entries meeting specified conditions will require due approval of an override
 Id can be a 2 digit number Slide 75

Account Maintenance - Inactive Flag & Reset Inactive Flag
 Inactive marking in account

 When an account remains inactive without any debit/credit transactions
from Customer side, treated as in active, Entries accepted after overrides
 Period in months for deciding inactivity defined in INACTIVITY.MONTHS

Field in COMPANY table
 System updates INACTIV.MARKER Field as Y in Account accordingly
 Marker can only be reset through ACCT.INACTIVE.RESET application

 Id is Inactive Account number
Slide 76
Account - Property Class
 ACCOUNT Property Class is Dated

 CUR, UNC, UND are the allowed
Property
Class
Balance Prefix ACCOUNT

CUR, UNC,
DATED UND
Slide 77
Account – Product Condition
 Category
 Accounts use Customer type of Account Category codes
 Range 1000 to 9999
 Must be Non-contingent, avoid ranges meant for Nostro, Vostro
 Posting Restrict
 Pre defined Posting restrictions used
 Debits or Credits or all transactions could be set to attract overrides
 Account Title, Short Title and Mnemonic

 Account Title for descriptive details
 Short title used for enrichment
 Mnemonic is used as alternate Id
Slide 78
 Currency
 Currency of Arrangement
 Defaulted from Currency of New Arrangement Activity
 Cannot be changed after authorisation of arrangement
 Base Date Type

 Option to determine calculation start date
• Agreement - will start calculations from date of arrangement
• Start - Will start from First or initial deposit date
 Securities Valuation enquiry

 Portfolio number at arrangement level enables Securities valuation enquiry
 Stores the identification number of SEC.ACC.MASTER
Slide 79
 Bus Day Centres

 Holiday table of country / region to determine non-working days
 Date Convention
 Schedule for non-working days
• Forward; Backward; Forward Same Month; Calendar
 Date Adjustment
 Value - All schedule events calculated on Value Date of Arrangement
 Period - Every schedule event calculated on previous schedule date
 Not applicable when Date Convention is Calendar
 Anniversary
 Stores the Anniversary Date of the arrangement
Slide 80
Account – Other features
 REFERAL
 Must be an existing code in REFERAL table
 Account details / details of entries referred in EOD report
 MANDATES
 Supported through EB.MANDATE application
 Currently supported only for Corporates, not Retail
 INACTIVE MONTHS
 Period in months for deciding inactivity
 Can be set as negotiable at arrangement level
Slide 81
Account – Other features
 Account is required for all financial

Arrangements
 Holds the Principal balance of the Arrangement
 Origination Reference
 Possible to indicate external reference identifier
 Customer Reference, Account

Reference
 Allows changes to the following Account

attributes:
 Account Title
Slide 82
Workshop – Creating a Referal condition
 Using the command line, create a

REFERAL condition to refer accounts
with debit balance of / equivalent to
USD 50,000 and above
 These balances are due to movements

of the day
 Get the record authorised

Slide 83
Solution - Creating a Referal condition
Slide 84
Workshop – Creating a new Account product condition
 Use Admin Menu > Product Builder >

Product Conditions > ACCOUNT
 Create a new Product Condition
 Set the following rules:
• Use Category Code 6001
•Set Base Date Type to AGREEMENT
•Fill in ACCOUNT.TITLE and SHORT.TITLE Fields with title names you
desire
• CATEGORY must be NON-NEGOTIABLE
• Use the Referral code created in the earlier w/s
• All other attributes, by default are Negotiable
Slide 85
Solution - Creating a new Account product condition
Slide 86
Overdraft Limits
Slide 87
Limits
 Limit has to belong to the Primary

Owner
 Manual creation of Limit

 Limit Reference input at arrangement level
 Limit managed by T24 Limits module
 Auto creation of Limit for simple

Overdrafts
 Limit Reference input at Product level
 Managed by AA
Slide 88
Account – Automatic Creation of Limits
 Auto creation of Overdraft Limits

possible only for Accounts product line
 Limit amount, expiry date, review

frequency etc. captured from AA
 Change of limit amount, expiry date,

review frequency done through AA
Activity
Slide 89
Creating Limits for Account Arrangements
Input at Product level
Input at Arrangement Level
Yes
Input Limit Ref,
‘NEW’ in Limit serial
and Amount
Creating Auto
Limits
for
Account
Arrangements New
Single Limit is YES
No.
Existing Limit
Limit auto created,
Enter managed through AA
Limit Ref &
Validated against Serial
Limit application.
If no limit exists, Exp. date,
Single Limit is YES Rev. freq. opt.
Error thrown
Slide 90
Limit Property Class
Account Interest Charge Eligibility
Payment
Customer
Schedule
Limit Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 91
Limit – Property Class
 Limit Product for the Arrangement

indicated in LIMIT.REFERENCE Field
 Specified at Arrangement Level if complex limit defined
 Specified at Product Level for automatic simple overdraft Limit
Property
Class
LIMIT

NIL
DATED, NON.TRACKING
Slide 92
Limit – Product Condition
 Limit Reference
 Input Limit record ID in arrangement
 Limit should relate to Primary Owner
 Single Limit
 Limit for exclusive use of only one arrangement account
• Option Yes indicates for only one arrangement, No indicates for use
by any arrangement accounts of same customer
 Netting
 Option to allow credit balance of an arrangement to be added to overdraft
limit for use in other arrangement accounts using the same Limit
 Applicable only for shared Limit
 An Arrangement can be created even

without attaching a Limit to it Slide 93
Limit Product Condition for Auto Creation of Limits
 Limit Serial
 Input ‘NEW’ for automatic creation at product level
 Limit Amount
 Amount up to which an account can be overdrawn without override
 Expiry date input is optional
 Review Frequency input is optional

 Single Limit alone is allowed for
automatically created limit Slide 94
Workshop – Creating a Shared Limit Product Condition

Product Conditions > LIMIT
 Limit can be shared. Netting allowed
 Set LIMIT.REFERENCE attribute negotiable
 All other attributes are not negotiable
Slide 95
Solution - Creating a Shared Limit Product Condition
Slide 96
Workshop – Creating Automatic Overdraft Limit Condition in AA

Product Conditions > LIMIT
 Create a new Limit Product Condition
 Single Limit alone permitted
 Limit Reference Product is 100
 Limit serial number as 01
 All attributes are negotiable
Slide 97
Solution – Creating Automatic Overdraft Limit Condition in AA
Slide 98
1.It is possible to capture alternate

account numbers, by mapping them to
Account records and defining them in
Availability product condition
a) True
b) False
2.When an Accounts arrangement has a

posting restriction ‘Post no credit’
defined, no interest credits will be
posted to the account
a) True
Slide 99
Interest
Slide 100
Features of Interest in AA Accounts
 Multiple Interest Properties

 Each interest component is represented by an Interest Property
 Interest Types
 Fixed interest
 Floating interest
 Negative interest rate possible on

accounts in credit
 Interest Calculation
 Average, highest, lowest for a period
Slide 101
Features of Interest – Tiered Interest rates
 Tiered interest Rates

 Interest rates can be defined as a single tier, or multiple tiers
 With multiple tiers, rate varies according to balance amount
• Level – rate is level across the whole balance
• Banded – rate varies between bands
• Mixed – combination of LEVEL and BAND for different balance amounts
• e.g. Level rate of 5% upto 50,000
• Level rate of 5.5% upto 1,00,000
• Band Rate of 6% after 1,00,000
 Each tier can have a different rate type
 Each tier can have different margins
 Minimum and Maximum rates for each tier can be defined
Slide 102
Debit Interest link to Limit
 Possible to link the first tier amount of

debit interest to LIMIT record
 Enabled only if the LIMIT is managed by

AA
 Field REFER.LIMIT set to ‘YES’
 Not more than 2 tiers permitted

Slide 103
Interest Adjustments - Reverse & Replay
 ACTIVITY.TYPE in
AA.ACTIVITY.CLASS determines
activities that will not trigger reverse /
replay of processed activities
 NOREPLAY – Activity will not be

reversed / replayed by any Activity
 NOREVERSE – Activity cannot be

manually reversed by User
Slide 104
Interest Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 105
Interest – Property Class
 Multiple Interest properties can be defined

 Interest property is tracking
Property
Class
INTEREST
Attributes:
Balance Prefix
DATED, CCY, MULTIPLE, ACC, DUE
TRACKING,
FORWARD.DATED
Slide 106
Interest – Product Condition
 Rate
 Fixed rate input directly
 Floating index – variable base rate tied to BASIC.INTEREST
 Margin Type
 Single / Multiple
 Margin Operand
 Add / Subtract from floating rate
 Margin Rate
 Spread Slide 107
 Tier Maximum Rate

 Applicable for floating rate
 Specify a maximum rate for the tier
 Tier Minimum Rate

 Applicable for floating rate
 Specify a minimum rate for the tier
 Rate Tier Type

 Single – Single rate for entire balance amount
 Level – Interest at different rates, based on balance amount
 Band - Rate of each tier to be applied to the portion of the balance that falls
within the tier
Slide 108
 Tier Amount
 Relates to RATE.TIER.TYPE Field
 Amounts can be entered if either BAND or LEVEL selected
 Tier Percent
 Relates to RATE.TIER.TYPE Field
 Allows a percentage of the principal to be allocated a specific rate or be
linked to a rate table
 Either Tier Amount or Tier Percentage

can be opted for Band based
calculation, not both
Slide 109
 Interest Day Basis

 To calculate interest based upon several different day basis types
 Each T24 Interest Day Basis type is represented as a numerator and
denominator
A (360/360); B (366/360); C (366/366); D (360/366); ……
 Accrual Rule
 Include first day for interest accrual
 Include last day for interest accrual
 Include first and last days for interest accrual
 Calculates accrued interest, posts amount using associated accounting rule
 Compounding
 DAILY, WEEKn, Mnn, TWMTH, Nnnn
Slide 110
 Calculation Threshold
 Minimum balance to be maintained below which interest will not be
calculated
 Negative Rate
 Option to set negative interest rate on accounts in credit
 Can set negative interest or it may result due to higher negative spread
 If set to NO or NONE and interest rate falls below “0”, Zero interest will be
accrued
 If set to YES, negative rate can be input, negative margin can make the final
rate more negative
 If set to BLOCK MARGIN, negative effect due to margin not allowed
Slide 111
 Refer Limit
 To be marked as Yes, if debit interest link to Limit desired
 Only if Limit is managed by AA
 Links the first tier amount of debit interest to LIMIT record
 Minimum Interest Amount

 Minimum interest to be charged for an Arrangement
 Compared with accrued amount, if less than minimum, waived / charged
 Waive Minimum Interest

 If set as Yes, no amount charged, otherwise, minimum amount charged
 On Activity recalculate Rate

 Interest can be set to reset on an Activity, in field Recalculate
 System checks the rate table BI, retrieves a new rate
Slide 112
Workshop – Fixed Interest settings

Product Conditions > INTEREST
 Create a new Product Condition for fixed interest type
 Default interest rate is 6%, negotiable not below 5.5% but can go upto 6.5%
with an override if maximum rule is broken
 Use Interest Day Basis “B”
 Interest accrual to include first and last day
 Tier Type is SINGLE
 Attributes are negotiable by default
Slide 113
Solution – Setting a fixed Interest rate
Slide 114
Workshop – Floating Interest settings

 Create a new Product Condition for floating interest type
 Use BASIC.INTEREST Table 1
 A default margin of 0.5%, negotiable down but not below 0.25%. Also make
the upper limit 0.75% but can be allowed beyond with an override
 Minimum and Maximum rates are 7% and 9% respectively
 Use Interest Day Basis “C”
 Interest accrual to include Last Day
 Tier Type is SINGLE
 Negative interest effect due to margin not allowed
Slide 115
Solution – Floating Interest rate settings
Slide 116
Workshop – Overdraft Interest settings

 Create a new Product Condition for Overdraft Account with auto Limit
 Default interest rate for level 1 is 5%,
 Default interest rate for level 2 is 5.5%
 Use Interest Day Basis “B”
 Interest accrual to include first and last day
 Refer Limit to be marked as Yes
Slide 117
Solution – Setting an Overdraft Interest rate
Slide 118
Solution – Setting an Overdraft Interest rate
Slide 119
Charges
Slide 120
Summary of Charge Property Classes
 CHARGE: To define calculation of Charge ($ or %)
 When will there be a charge:

 In PAYMENT.SCHEDULE
 When certain activities happen as defined in ACTIVITY.CHARGE
 When rule is broken, defined in
• ACTIVITY.RESTRICTION
• Periodic Rules of Product Condition
 CHARGE.OVERRIDE: Allow calculated charge amounts to be

modified by the user
 PERIODIC.CHARGE: Charges may occur throughout a period (i.e.,

month), only charged at a set frequency (i.e. at month end)
Slide 121
Charge and Activity Charges – Other features
 Activity Charges
 Charge applied when Activity is performed
 Can be billed or deferred or capitalised
 Scheduled Charges
 Charge applied on a particular day according to payment schedule e.g.
Deposits Annual fee
 RuleCan
 break Charges
be billed or deferred or capitalised
 Charge applied when a periodic rule is broken
 Periodic rules defined in certain product conditions
e.g. Restrict maximum number of redemptions per year
Slide 122
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Slide 125
Charge link to Limit
 Possible to link a charge for an

arrangement to LIMIT record
 Enabled only if the LIMIT is managed by

AA
 Field REFER.LIMIT set to ‘YES’
 Used when there are tiered charges

Slide 126
CHARGE and ACTIVITY CHARGES Property Classes
Term Amount Interest Charge Payment Rules
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 127
Charge – Property Class
 Multiple Charge properties allowed

 Currency is optional
Property
Class
CHARGE
Attributes:
Balance Prefix
DATED, OPT.CCY, ACC, PAY,
MULTIPLE, TRACKING, DUE
FORWARD.DATED
Slide 128
Charge – Product Condition
 Charge

Type
Fixed or Flat
• Charge amount should be set
• USD 50; GBP 30, etc
 Calculated
• Calculated on specified balances
• 2% on Transaction amount, 3% on Commitment amount, etc
 Charge

Currency
Currency of charge property
 Charge will be calculated for the charge property
 Amounts calculated rounded based on Currency of CHARGE property
 Can be different from currency defined in Id of the Product condition
 Tiered

charges
Level, Banded, Groups
Slide 129
 Calculation
 Flat
Type
• Charge amount should be set - USD 50; GBP 30, etc
• Zero charge acceptable
 Percentage
• Calculated on specified balances - 2% on Transaction amount
 Unit
• Multiplication factor to arrive calculating charge - USD 2 per transaction
 Charge

Rate
Rate at which charge calculated
 Mandatory for Percentage Calculation Type
 Charge

Amount
Amount of charge
 Amount will be multiplied when Calculation type is UNIT
 Mandatory for Flat and Unit Calculation Type
 Minimum and Maximum Charge Amount Slide 130

 User

defined Charge Routine
Can be added to Activity Restriction / Activity Charges product condition
 Useful when Banks desire different / complicated methods of charge
calculations
 Calculation

Threshold
Base amount below which charge amount will not be calculated
 Free

Amount
Deduction allowed on calculated charge
• e.g. reduce USD 10 from calculated charge
 Minimum Charge Amount

 Minimum Charge to be specified for an Arrangement
 Compared with computed charge amount, if less than minimum, waived /
charged
 Waive Minimum Charge Slide 131

Activity Charges – Property Class
 Define charge property when specific

activities take place
 It is DATED, FORWARD.DATED
Property
and
TRACKING type Class
ACTIVITY.
CHARGES
Attributes:
Balance Prefix
DATED, TRACKING, NIL
FORWARD.DATED
Slide 132
Activity Charges – Product Condition
 Activity attracting charge

 Activity Id on which charge would be applied
 Any number of activities can be multi-valued, defined
 Charge Property
 Charge property triggered when activity is triggered
 Period
 Method
 Due
 Defer
 Capitalise
Slide 133
Activity Charges – Settlement Related
 Settle Activity
 Repayment activity to be triggered when there is UNC
 Auto Settle
 Option Yes will fetch settlement account
 If option No, will not settle through settlement property
 Settlement of Activity Charges process:

 Grouped under payment type ACTCHARGES
 Refers to AUTO.SETTLE field of respective Activity Charges property
 If set as Yes, fetches Settlement Account corresponding to Payment Type
 Settle activity, a secondary activity, defined for settling from UNC
 Activity charges property designed to

settle out of UNC first, if available
Slide 134
Workshop – Setting a Fixed Charge

Product Conditions > CHARGE
 Set the following rules
•Fixed Charge of USD 10
 All Attributes are negotiable by default
Slide 135
Solution – Setting a fixed charge
Slide 136
Workshop – Setting of a Calculated Charge

•Charges in USD
•No charges for transaction amount up to 3,000
•2% for transaction amount up to 20,000 with a minimum of 100
•Additonally1.5% for transaction amount beyond 20,000 and up to 50,000
with a minimum of 500
•Additionally 1% for transaction amount over 50,000 subject to a minimum
of 800 and maximum of 2,000
Slide 137
Solution – Setting of a Calculated Charge
Slide 138
Workshop – Setting up Mixed Charges

• Charges to be collected in USD.
• Flat Charge of 5 for transaction amount upto 500.
• Flat Charge of 10 for transaction amount upto 5,000.
• Additionally 0.20 % for transaction amount beyond 5,000 and upto
25,000
• Additionally 0.10% for transaction amount over 25,000
• All Attributes are not negotiable by default.
Slide 139
Solution – Setting up Mixed Charges
Slide 140
Workshop – Setting up Activity Charges

Product Conditions >
ACTIVITY.CHARGES
1) Charge to be levied when an accounts arrangement is closed
• The Charge Property is ACCHARGE
• This Fee is to be capitalised on occurrence of activity
•2) Charge to be levied during International ATM withdrawal
• The Charge Property is TXNFEE
• This fee is to be deferred
 All Attributes are not negotiable by default
Slide 141
Solution – Setting up an Activity Charge
Slide 142
Charge Override Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity Charge

Presentation Mapping Charges Override
Slide 143
Charge Override – Property Class
 This property is dated and non-tracking

Property
 Property appears in an arrangement after

Class
CHARGE.
an Activity charge is triggered and
OVERRIDE
validated
Attributes:
Balance Prefix
DATED, TRIGGER, NIL
NON. TRACKING
Slide 144
Charge Override – Product Condition
 Charge

Amount
User input activity triggers an activity charge / periodic charge
 On committing the activity, system defaults charge amount in arrangement
 Charge

Actual Amount
Value could be Null, Zero or a numerical value
 Charges are waived completely if value 0 is input
 Default charge as in CHG.AMT would be levied if this field is left blank
 User can modify this charge by inputting a new charge amount, if left
negotiable
 If more than one charge for the same

activity is attached, user can modify /
waive all
 Charges collected during payout,

redemption etc. cannot be modified or Slide 145
Workshop – Setting a Charge Override

CHARGE.OVERRIDE
 Set the following:
•Charge Property - ACCCHARGE to be indicated under Property
• Charge Type is periodic
Slide 146
Solution – Setting up a Charge Override
Slide 147
Periodic Charges Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 148
Periodic Charges – Property Class
 This property is dated

Property
 Currency is optional Class

PERIODIC.
CHARGES

NIL
DATED, OPT.CCY
Slide 149
Periodic Charges features
 Possible to define individual charge

properties and deferred activity charges
 Overall Minimum / Maximum can be

defined
 Can be waived unconditionally
 Can be waived based on Conditions

Slide 150
Types of Periodic Charges
 Various types of Periodic charges that

can be levied
 Based

on count of activities in a period
Activity Id and charge property to be defined
 Charge fee based on activity count
 Source calculation type set as ‘COUNT’ in Product designer
 Based on highest balance in a period

 Activity Id and charge property to be defined
 Charge fee can be fixed / calculated
 Source calculation type set as ‘DRMAXIMUM’ in Product designer
 Based on sum total of transaction

amounts Slide 151
Periodic Charges – Product Condition
 Currency
 Mandatory input
 Can be different from arrangement currency
 Can be multi-valued for minimum / maximum
 Minimum

/ Maximum
Can be input currency wise
 Waive

charge
To be marked as Yes for total waiver
 Charge

/ Activity
Charge property and activity to be defined
 Can be multi-valued
Slide 152
Periodic Charges – Product Condition
 DEFERRED

CHARGE
Activity charge / Rule break charge / Activity restriction charge
 APP.METHOD set to DEFER in respective properties
 Charge property that are deferred and to be made due can be multi-valued
 INC.ALL.DEF.CHGS
 Instead of defining the above field
 On the scheduled date whether all the deferred charges to be made due
 To be marked as Yes
 On scheduled date system clubs all deferred charges to raise a single bill
 Both attributes can be set either at

product level or at arrangement level
Slide 153
Workshop - Setting up a Periodic Charge

PERIODIC.CHARGES
 Create a new Product Condition for collecting periodic charges
 Set the following:
•Currency for charge is USD
•A minimum charge of 15 and a maximum charge of 65 to be set
•Charge Property CHEQUEWD to be attached to activity ACCOUNTS-
ENCASHCHQ-ARRANGEMENT
•(for this charge, input COUNT in source balance)
•HIGHESTDEBIT to be defined for next charge property
•(for this charge, input DRMAXIMUM in source balance)
Slide 154
Solution – Setting up a Periodic Charge
Slide 155
Quiz - Match the Following
1. Activity Charge a) ACCOUNTS-NEW-

ARRANGEMENT
2. Scheduled Charge b) Not Currency Dependent
3. Break Rule Charge c) Payment Schedule
4. Charge Property Class d) Currency dependent Optional
5. Activity Charge Property Class e) Periodic Rules
Slide 156
Tax Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 157
Tax – Property Class
 Multiple Tax properties allowed

 Currency and Dated
Property
Class
TAX

DUE, AGE
DATED, CCY, MULTIPLE
Slide 158
TAX – Product Condition
 Property

Class
Tax can be collected currently for Interest and Charge
 Tax

Code
Tax table with rate for computation of tax for associated property class
 Either TAX.CODE or TAX.CONDITION allowed
 Tax

Condition
Valid TAX.TYPE.CONDITION
 Either TAX.CODE or TAX.CONDITION allowed
Slide 159
TAX – Product Condition
 Property
 Property on which Tax is calculated
 Tax can be collected currently for Interest and Charge properties
 Property

Tax Code
Tax table with rate for computation of tax for associated property class
 Either PROP.TAX.CODE or PROP.TAX.COND allowed
 Property

Tax Condition
Valid TAX.TYPE.CONDITION
 Either PROP.TAX.CODE or PROP.TAX.COND allowed
Slide 160
Workshop – Setting Tax on Savings Account Interest

Product Conditions > TAX
 Tax to be collected on Savings Account Interest
 Property for Savings Account Interest is CRINTEREST
 For withholding tax, property tax condition is WHT
 All attributes are not negotiable
Slide 161
Solution - Tax on Savings Account Interest
Slide 162
Payment Schedule – Product Condition
 Recalculating Payment Schedule

 Possible to be scheduled
 Possible due to occurrence of certain activities
 Scheduled Recalculation
 Automatically at predefined frequency
• weekly, monthly, yearly, etc.
 Activity to trigger recalculation like:

 Update Charge
 Change Interest
Slide 163
Payment Schedule, Settlement of
Dues and Payment Rules
Slide 164
PAYMENT.SCHEDULE Property Class
Payment
Customer
Schedule
Payment Schedule Closure
Accounts
Activity
Account
Restriction
Tax Accounting

Officers
Slide 165
Payment Schedule – Property Class
 Defines Rules for paying Interest,

funding Principal and collecting Charges
for an Accounts product
Property
 Product condition is Dated, Forward
Class
dated PAYMENT.
SCHEDULE
and Currency specific
Attributes:
Balance Prefix
DATED, CCY, NIL
FORWARD.DATED
Slide 166
 Payment Types:
 ACTUAL - Repayment of calculated property classes - Interest, charge
 Payment Methods :
 DUE - Amount is Due to or from customer
 CAPITALISE - Capitalise the amount
 PAY – Amount paid to customer
 Payment frequency
 Frequency at which payments will be made due
 Applicable for Payment Type
 Due frequency
 Not applicable for Accounts product, payment frequency defaulted
Slide 167
 Actual amount - for Adhoc payments,

actual amount for each payment date to
be defined
 Overrides the calculated amount
 Start Date – Indicates actual payment

start date
 Defaulted from Base date, if start date not indicated
 End Date - Indicates actual payment

end date
 Number of Payments can be indicated

Slide 168
Defining relative dates
 Relative date in Start Date or End Date

field based on events:
 START – Initial Deposit of arrangement
 MATURITY – Maturity of an arrangement
 RENEWAL – Renewal date for an arrangement
 Relative Start or End date for Start /

Maturity / Renewal
 Can relate to past or future event
 Values can be chosen from calendar or entered directly
 If entered directly, input into the fields

START.DATE and END.DATE can be:
 R_XXXX + 2D - (Relative event XXX Slide 169
 Recalculation types
 Payment – payment amount will be changed
 Residual – residual amount will be changed
 Nothing – payments and residual will be unchanged. Recalculation

frequency should be specified
 Progressive Payment – Increase / decrease in calculated amount
 Term – Term will be altered (not applicable for Accounts)
Slide 170
 Bill Type indicates whether bill is

produced for payment / information
 Payment – Payments made to customer like Interest
 Expected – Principal amount to be received from customer
 Bill can be produced prior to due date

 If interest is to be paid to customer on the 10 th of every month and the bill is
to be issued on the 9th, this field will be set as ‘1’
 Combining due amounts into a single

bill
 When amounts become due on the same date
 Notices are also to be issued on the same date
 Either a single bill can be generated or bills can be split to allow payments
from / to separate accounts Slide 171
Payment Schedule – Billing features
 Billing
 Make due activity
 All due amounts are billed - Principal, interest and charges
 Bills are generated whether payment is scheduled or ad-hoc
 Generates bill on due date or in advance by a specified no. of days
 Chaser fee charge can be linked to the activity
 User can also specify amount of repayment

• When amount is manually input, system will not calculate the amount
Slide 172
Workshop - Scheduling Quarterly Interest Payment

PAYMENT.SCHEDULE
 Interest to be paid quarterly on the first Monday
 Interest payment to start from a day after the initial deposit is made
 Commit the record
Slide 173
Solution – Scheduling Quarterly Interest Payment
Slide 174
Workshop - Scheduling Payment for Current Account

PAYMENT.SCHEDULE
 Create a new payment schedule Product Condition for Current accounts
 Interest to be set for payment semi-annually for credit interest and monthly
for debit interest
 Periodic charge – LEDGERFEE to be scheduled monthly
 Both interest and charge to be made due
 Bills must not be combined
 Commit the record
Slide 175
Solution – Scheduling Payment for Current Account
Slide 176
Workshop - Scheduling Payment for Premium Account (Bundle)

PAYMENT.SCHEDULE
 Create a Payment Schedule Product Condition for Premium account

products
 The product has both debit and credit interest
 This product also has a bundle interest with a different credit interest rate
 All Interest payments are payable monthly and to be capitalised
 All attributes to be set as negotiable
Slide 177
Solution – Scheduling Payment for Premium Account (Bundle)
Slide 178
Settlement of Dues
Slide 179
Settlement of Dues / Payout
 Multi-value set of fields for Receive and Payout transactions
 Receive definition based on Payment Types and related activity
 Payout definition based on Property and related activity
 Arrangement reference as PAYIN.ACCOUNT / PAYOUT.ACCOUNT

 Enables settlement of dues / pay-out using another arrangement / account
 Can either be a T24 account or an arrangement account
 PAYIN.ACTIVITY/PAYOUT.ACTIVITY - APPLYPAYMENT action only
 PAYIN.SETTLEMENT field to be set as Yes
Slide 180
Settlement – Activity Class – PAY-IN Activity
 PAYIN-ACTIVITY
 Activity to source the payment amount from Pay-in Account
 To be left blank if sourced from non-arrangement Account
 If sourced from Arrangement Account:
ACCOUNTS-DEBIT-ARRANGEMENT
DEPOSITS-APPLYPAYMENT-PO.DEPOSIT
 PAYIN-SETTLE-ACTIVITY
 Activity triggered to apply the payment received
 ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYMENT.RULES
 DEPOSITS-APPLYPAYMENT-PR.DEPOSITS
 LENDING-APPLYPAYMENT-PR.REPAYMENT
Slide 181
Settlement – Activity Class – PAY-OUT Activity
 PAYOUT-ACTIVITY
 Activity triggered for applying payment in Pay-out Account
 To be left blank if paid into a non-arrangement Account
 If paid to an Arrangement Account:
ACCOUNTS-CREDIT-ARRANGEMENT
DEPOSITS-CREDIT-ARRANGEMENT
 PAYOUT-SETTLE-ACTIVITY
 Activity triggered to pay the property PAYBALANCE
 ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYOUT
 DEPOSITS-APPLYPAYMENT-PO.DEPOSITS
Slide 182
SETTLEMENT Property Class
Customer Interest Charge Limit
Balance
Settlement
Availability
Account Closure
Accounts
Officers Eligibility
Tax Accounting
Activity Activity Activity Activity

Presentation Mapping Charges Restriction
Slide 183
Settlement – Property
 Allows select settlement instructions for Deposits, Loans and

Arrangement Accounts
 Links a mandate defined in the Direct Debit (DD) module to an

arrangement account
Property Class
SETTLEMENT

NIL
DATED
Slide 184
Settlement Instruction - Receive
 Meant for Funds coming into the Arrangement
 Payment Type
 Link between Payment Schedule and Settlement property
 Can be sub valued for different types of Interest, Charges
 Pay-In Settle Activity

 Activity run to receive funds, only APPLYPAYMENT allowed
 Fetches Settlement Account corresponding to Payment Type in Payment
schedule
 Pay-In Activity
 Activity run to pay out funds when the receiver is an Arrangement
 Active – can be set as ‘No’ to:

 Stop a settlement instruction at arrangement level
Slide 185
Settlement – Receive Funds
 Could be either from a T24 ACCOUNT

module (Internal / Nostro) or from a T24
Arrangement or from DD mandate
 Receiving Fund examples:

 Making an Initial Deposit on an ACCOUNT product
 Payment of Interest / Charges
 Settlement for Activity Charges

 Grouped under payment type ACTCHARGES
 Refers to AUTO.SETTLE field of respective Activity Charges property
 If set as Yes, fetches Settlement Account corresponding to Payment Type
 Activity charges property designed to

settle out of UNC first, if available
Slide 186
Settlement – Receive funds – ACCOUNT.DEBIT.RULE
 Insufficient funds in Account indicated

for a Payment Type
 Settlement process controlled by

ACCOUNT.DEBIT.RULE
 Pay-In rule Field has values Full,

Partial, None
 Full – Debit Pay-In account with full bill

amount, irrespective of funds
 If funds available partially, overdraft created for short amount
Slide 187
Settlement Instructions – Pay Out
 Meant for payouts from an Arrangement

 Pay out examples:
 Pay-out of AA Deposit at maturity
 Interest Liquidation
 Could be to another T24 Account or T24

Arrangement
 Settle activity looks in settlement

property based on the Property or
Property Class, fetches corresponding
settlement instructions
Slide 188
Settlement Processing in Different Currencies
 Arrangement bills in one currency can be settled by:

 Another arrangement in same currency / another currency
 T24 Account in same currency / another currency
 Settlement processing is possible as follows:

Source Settlement Due bills
Arrangement Arrangement
LCY FCY -
FCY LCY -
FCY Same FCY -
FCY Different FCY -
LCY - FCY
Slide 189
Settlement of Direct Debits
 Settlement Method for payment - option

is DD
 DD Transaction code must be mapped

to AA activity through
ACTIVITY.MAPPING Product Condition
 Payment rules for DD set in

APPLY.PAYMENT field in
PAYMENT.SCHEDULE Product
condition
Payment Type Slide 190

Workshop – Settlement Instructions

Product Conditions > SETTLEMENT
 Create a new Product Condition:
Payment Type Pay-in settle activity

Interest Only ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYMENT.RULES
Charge ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYMENT.RULES
Property Class Pay-out settle activity

Interest ACCOUNTS-APPLYPAYMENT-ACCOUNTS.PAYOUT
 Active to be marked as YES for all of the above
 Pay-in rule to be marked as Partial for Charge payment type
Slide 191
Solution – Settlement instructions
Slide 192
Payment Rules Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 193
Payout Rules Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting
Activity Activity Activity

Payout Rules
Presentation Mapping Charges
Slide 194
Payment Rules & Payout Rules – Property Classes
 Both define Rules for handling a

payment
 Payment rules – Used when Customer pays to Bank
 Payout rules – Used when Bank pays to Customer
Property Class
PAYMENT RULES
PAYOUT RULES
Attributes:
Balance Prefix
DATED, MULTIPLE, NIL
TRACKING
Slide 195
Payout Rules & Payment Rules – Product Condition
 Payment application type

• Specifies how the payout / payment rules will apply to an arrangement
 Payments application order

 Oldest first – earliest one followed by later bills one after the other
 Oldest last – the latest one first and then the previous one, so on
 Property sequence
 Specifies the property sequence in which balances will be affected during
repayment
 Must be a valid property of Interest, Charge or Principal amount
Slide 196
Payout Rules Definition
 Funds in UNCACCOUNT /
CURACCOUNT can be withdrawn
 Payment
Field
application type can hold
Withdrawal from CUR Withdrawal from
values: CURRENT.PAY,
balance PAY UNC
andbalance
DEPOSIT.RULE.PAY
PROP.APPL.TYPE BALANCE BLANK
APPLICATION.TYPE CURRENT.PAY PAY
Slide 197
Workshop – PAYMENT RULES Setting

PAYMENT.RULES
 Choose Application Type as BILL.PROPERTY
 Earliest bills to be paid first
 Pay off Bills in the following order:
• Properties : DRINTEREST
 Remainder Activity - ACCOUNTS-CREDIT-ARRANGEMENT
 Bills not to be processed before due date
Slide 198
Solution - PAYMENT RULES Setting
Slide 199
Workshop – PAYOUT RULES Setting

Product Conditions > PAYOUT.RULES
 Choose Application Type as DEPOSIT.RULE.PAYOUT
 Pay off Bills by Property in the following order:
• Properties : CRINTEREST
•Earliest bills to be paid first
Slide 200
Solution – Payout rules setting
Slide 201
CHANGE.PRODUCT Property Class
Payment
Customer
Schedule
Change Product Closure
Accounts
Activity
Account
Restriction
Tax Accounting

Officers
Slide 202
Change Product - Overview
 Property class is Date specific and TRACKING Type
Property
Class
CHANGE.
PRODUCT

NIL
DATED, TRACKING
Slide 203
Change Product – Product Condition
 Allowed Product
 Products to which switch is allowed
 If left blank switch is permitted to all products within the product group
 Scheduled Switch of existing

Arrangements to a different product
 CHANGE.DATE Field - Switch on a specific date
 CHANGE.PERIOD Field - Switch after a particular period
• Possible to define a date, relative to customer’s birth date
 PRIOR.DAYS Field - Switch in advance to Switch Date by these days
• Change product event happens in advance of Schedule Date
 Switch can be Automatic or Manual

Slide 204
Change Product – Product Condition
 Change Activity
 Activity applicable is CHANGE.PRODUCT
 Change to Product
 Product to which arrangement to switch to on a date or a period
 Existing Arrangements can be changed

to a different product
 This can be done manually or it can be scheduled
 Majority of conditions are overwritten by

the new Product defaults
 Exceptions are: Customer, Account, Term Amount and Limit
Slide 205
Change Product – Product Status
 Status of the product specified in

AA.ARRANGEMENT
 PROCESSED – when arrangement

moves from old product to new product,
status of old product is updated as
PROCESSED
 CURRENT – Status indicates

arrangement is running on the current
Slide 206
Workshop – Change Product relative to birth date of Customer

CHANGE.PRODUCT
 Change period is 6 months from the birth date of the customer
 Set ACCOUNTS-CHANGE.PRODUCT-ARRANGEMENT activity for

Change activity
Slide 207
Solution – Change Product relative to birth date of Customer
Slide 208
Balances and Availability
Slide 209
Dates in Accounting Entries
 Booking date
 Date on which accounting entry is generated.
 In a live situation, Booking date is System run date
 Value date
 Date on which entry is to be given value for interest purposes
 Can be input while originating transaction or defaulted from
TRANSACTION Table
 Exposure date
 Date on which entry can be drawn against
 Present in Credit entries or Debit entries which are reversals of Credit
entries
 Can be input while originating transaction or defaulted from TRANSACTION
Table Slide 210
Account Balances
 AA Balances
 CURBALANCE – Ledger Balance (EB.CONTRACT.BALANCES)
 Online Cleared balance

 Values of all authorised entries over the Account
 Except any credit or reversal debit entries with future exposure dates
 Working balance
 Value of cleared balance and unauthorised debit entries. Useful for limits
 Online Actual balance

 Online cleared balance and credit entries with future exposure date
Slide 211
Balances
Slide 212
AA.SOURCE.CALC.TYPE
 Source calculation
 Fields CALC.START.DAY & CALC.END.DAY defines days for calculation
period
 Source calculation Types:
 DAILY – Value dated balance, not supported for Charge
 AVERAGE – Average balance over the Interest / Charge period
 HIGHEST – Highest absolute balance over the Interest / Charge period
 LOWEST – Lowest absolute balance over the Interest / Charge period
Slide 213
AA.SOURCE.CALC.TYPE
 MONTHLY
 Applicable only for Interest
 Calculated balance for each month, not supported for Charge
 MONTHLY Options:
 Average Monthly – similar to average, average balance split by month
 Highest Monthly – similar to highest, highest balance split by month
 Lowest Monthly – similar to lowest, lowest balance split by month
 PROPERTY
 Based on Property, calculated on highest / lowest / average / daily balances
 TXN.AMOUNT
 Based on Activity, calculated on transaction amount Slide 214
Payment
Customer
Schedule
Balance
Closure
Availability
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 215
 Balance Availability Property Class is

Dated and Tracking
 Can define settings for

Property available
Class
BALANCE.
balance updates AVAILABILITY
and credit check
 Can setup Notice conditions

NIL
DATED, TRACKING
Slide 216
BALANCE.AVAILABILITY Property Class
 Fills in for ACCT.GROUP.CONDITION on the following aspects

 Notice Accounts
 Credit Check
 Available Balance Update at Product level
 Field NOTICE.WITHDRAWAL to record advance notice from Customer
Slide 217
Balance Availability – Notice Withdrawal
 Possible to set up Notice Savings accounts in which withdrawals above

specified amounts need agreed notice periods
 NOTICE.AMOUNT Field to indicate maximum local currency amount

that can be drawn without notice
 NOTICE.PERIOD Field specified in days, weeks, months or year
 NOTICE.AVAILABILITY Field specify the period for which funds will be

kept available after the notice period - in days, weeks, months
 E.g. Notice of 1 month after which funds will be kept available only for 5
working days. If amount is not drawn within this period, fresh notice is
required to be given
 Notice of withdrawal recorded through NOTICE.WITHDRAWAL
Slide 218
Balance Availability – Available Balance
 Through CREDIT.CHECK Field, Available balance or Working balance

could be set to be checked for overdraft or limit checking
 Other options available are AVAILFWD, AVAILWORK and FORWARD
 Available holds unauthorised and authorised transactions
 Working ignores unauthorised credits and future authorised credits
 Available Balance update field

 Any unauthorised entry to be included in Available balance
 Debits, Credits, Both and None are choices
Slide 219
Workshop – Balance Availability, Notice Settings

BALANCE.AVAILABILITY
 Set the following rules:
• Notice amount is 50000
• Notice period required is 3 days
• Balance kept available for 2 days
• Credit check to be made on available balance for both debits and
credits
• All other attributes, by default are Negotiable
Slide 220
Solution - Balance Availability, Notice Settings
Slide 221
Eligibility
Slide 222
Eligibility
 Eligibility requirements for products can apply to:

 Customer level products (e.g. Relationship Pricing or Internet Services)
 Traditional “financial” products (e.g. loans, accounts, deposits)
 Eligibility checking enables:

 Ability to specify eligibility criteria at the level of each product
 Ability to evaluate if a customer is eligible for a particular product
 Frequency of eligibility requirement checking:

 For some products, only once when the product is taken out
 Rechecked during the life of the arrangement
Customers who are no longer eligible (e.g. they are no longer resident)
may need to be moved to another product
Slide 223
Types of Eligibility
 Eligibility criteria defined at individual product level

 Based on customer characteristics / attributes
 Defined for a product in the product designer

 Returns an error / override if eligibility evaluation fails
 If no rules are defined, the product is available for all
 Types of eligibility:
 Customer must be less than 18 (student)
 Customer must be over 18, a local resident, full time employed
 Customer must be a corporate local resident
 Customer must be a foreigner (Non-resident)
 Customer’s salary must be above 2M USD per annum
Slide 224
Establishing Eligibility
 Eligibility requirements typically revolve around customer information :

 Customer Type (e.g. Student, Staff, Resident, Non-Resident, Business)
 Relationship Value (e.g. their total business with the bank)
 Relationship Length (i.e. how long have they been a customer)
 Age
 Establishing eligibility
 Filter the Product Catalogue to show only the products that the customer is
eligible for
 Check the customer’s eligibility during “New Arrangement” activity
 Checking of eligibility requirement

 When the product is taken out
 When the primary customer changes
 When there is a product change
 Checked / Rechecked during the life of arrangement
Slide 225
Eligibility - Features
 Eligibility Review setup at the Product / Arrangement level

 Change in Customer static can trigger an Eligibility Review during the
following Close of Business
 Periodic evaluation
 Consequences of Eligibility Review Failure

 Change Product
 Ignore – this results in logging the failure on the arrangement
Slide 226
Launch the T24 Toolbox by double clicking the icon.
Creating rules for Eligibility
Slide 227
Slide 228
Slide 229
Slide 230
Result of Eligibility Failure at Arrangement
Slide 231
Inheritance in conjunction with Eligibility
Parent
Child
Slide 232
Customer Pricing
 Example of Customer Pricing

 Parent
 Variations as different products
 Appropriate Eligibility Criteria attached to each product
Parent Product Inherit all Properties except,

Interest & Eligibility
Gold Savings Silver Savings Bronze Savings
Interest Condition 6.5% Interest Condition 5% Interest Condition 4%

Customer Salary > 100K Customer Salary 50K to 100K Customer Salary < 50K
Slide 233
ELIGIBILITY Property Class
Customer Interest Charge Settlement
Balance
Eligibility
Availability
Account Closure
Accounts
Officers Eligibility
Tax Accounting
Activity Activity Activity Activity

Presentation Mapping Charges Restriction
Slide 234
Eligibility – Property
 Based on Eligibility conditions defined, eligibility of a customer for a

product is evaluated
 Product condition is Tracking and Date specific
Property
Class
ELIGIBILITY

NIL
DATED, TRACKING
Slide 235
Eligibility
 Replaces the current functionality provided by ACCT.GEN.CONDITION
 Customer provided a choice of eligible products, under SCV
 Eligibility definition updated through Product Designer
 Eligibility validated when:

 Creating a new arrangement
 Running an enquiry
 Eligibility review / update triggered by static change in customer
 Evaluate and change product to default product based on eligibility
Slide 236
Evaluate and Change product based on Eligibility
• ACCOUNTS-EVALUATE.ELIGIBILITY-
ARRANGEMENT
1 • Creates next schedule for eligibility

review, evaluate
• Customer static change and periodic
evaluation
• If eligibility fails either Ignore or Change
2 Product
• Change product results in default product
being chosen
• Updates next eligibility review schedule

based on new product
3 • Static change / periodic evaluation

triggers next evaluation
• Birth date change can trigger a Change
Product
Slide 237
Eligibility product conditions
 Eligibility rules
 Rule applicable from Rules engine – multi value
 Eligibility Failure type – Error / override
 Review Failure Action – Change Product / Ignore
 Currency
 Currency specific rules, applicable from same Rules engine- multi value
 CCY Eligibility failure type – Error / override
 Review CCY failure action - Change Product / Ignore
 Periodic review
 Review frequency mandatory
 Static Review
Slide 238
Workshop – ELIGIBILITY Product Condition

Product Conditions > ELIGIBILITY
 Opt for CUSTOMER.AGE.LT.18 rule and IS.LOCAL.RESIDENT rule from
the rules engine
 Both rules should throw an error if eligibility check fails
 Change Product is the option on review of eligibility for both
 Opt for static review
 Default product for Savings Account is SAVINGS.DEFAULT
Slide 239
Solution - Eligibility product condition
Slide 240
1.Which is the only balance type

(Balance property) that can be marked
for a change in asset type under
AC.BALANCE.TYPE
CURBALANCE
2.Which important settings can be

defined in Availability Product condition
Credit check, notice accounts and available balance updates
3.When is the eligibility of a customer Slide 241

Restriction of Activities and Transaction
Rules
Slide 242
Periodic Attributes Rules
Slide 243
AA.PERIODIC.ATTRIBUTE.CLASS
Property
 Released by TEMENOS to define Actions and Attributes for any Class
underlying Property and Product condition
Action
AA.PROPERTY.CLASS whose condition Periodic
uses the periodic rule Attribute
Comparison
Type Class
ACTIVITY.RESTRICTION, ACCOUNT,
CHARGE, INTEREST and TERM.AMOUNT
ACTION for AA.PROPERTY.CLASS Data Type
Routine
RECEIVE, REDEEM, INCREASE,
DECREASE ……
Comparison Types for rules defined in

EB.COMPARISON.TYPE Table
MINIMUM, MAXIMUM, +BASISPOINTS, .........

Data types allowed to use Periodic Rule ROUTINE that returns value for
are hard coded comparison routine to do comparison
from Property record. Valid entry in
AMT, PERIOD, A, D, N, R, DAO EB.API File
Slide 244
AA.PERIODIC.ATTRIBUTE
 Periodic Attribute is a named type / instance of a Periodic Attribute

Class
 Periodic Attribute is used in Product Condition
Rule that needs to be applied on a specific PR.ATTR.

period or life time of Arrangement. Is
CLASS
controlled by PERIOD.TYPE Field
PERIOD.
LIFE, INITIAL, REPEATING & ROLLING
TYPE
Periodic
Attribute
PERIOD field controls exact period for PERIOD

which Rule is defined
01D, 5M, 2Y,…
Slide 245
AA.PERIODIC.ATTRIBUTE
 Periodic Attribute is a named type / instance of a Periodic Attribute

Class
 Periodic Attribute is used in Product Condition
Rule that needs to be applied on a specific PR.ATTR.

period or life time of Arrangement. Is PERIOD.
TYPE CLASS
controlled by PERIOD.TYPE Field
LIFE, INITIAL, REPEATING & ROLLING
PERIOD field controls exact period for Periodic

which Rule is defined PERIOD Attribute
01D, 5M, 2Y,…
RULE.START Field represents Base Date ERROR /

AGREEMENT, ANNIVERSARY, RULE.START OVERRIDE
ARRANGEMENT, COOLING-OFF & START MESSAGE
RULE.ERR.MSG and RULE.OVE.MSG

Fields control generation of ERROR and
OVERRIDE messages respectively
Slide 246
Periodic Rules - Structure
Slide 247
Periodic Attribute Class - Activity Restriction Property Class
Transaction Amount & Count related:
 TRANSACTION AMOUNT MAXIMUM - Periodic Rule to control

Maximum Transaction Amount
 TRANSACTION AMOUNT MINIMUM - Periodic Rule to control

Minimum Transaction Amount
 TRANSACTION AMOUNT MULTIPLE - Periodic Rule to control

Transaction Amount in Multiples, E.g. amounts in 100s
 TRANSACTION AMOUNT TOTAL - Periodic Rule to control Total

Transaction Amount, E.g. total amount not less than 10,000
 TRANSACTION COUNT TOTAL - Periodic Rule to control Total

Number of Transactions, E.g. not more than 2 withdrawals in a year
Slide 248
Periodic Attribute Class - Activity Restriction Property Class
Balance Related:
 MAXIMUM BALANCE
 Restrict transaction by checking any balance type, specifying an amount
 MAXIMUM BALANCE INCREASE

 Restrict increase in amount of balance type, specifying the difference
amount
 MINIMUM BALANCE
 Restrict transaction by checking any balance type, specifying an amount
 MINIMUM BALANCE INCREASE

 Restrict increase in amount of balance type, specifying the difference
amount
 MINIMUM INITIAL BALANCE

 Restrict the initial transaction, specifying an amount
Slide 249
Periodic Attribute Class - Interest & Charge Property Class
 MAXIMUM RATE - Rule for Maximum Interest Rate
 MINIMUM RATE - Rule for Minimum Interest Rate
 RATE DECREASE - Rule for Interest Rate Decrease
 RATE DECREASE TOLERANCE - Rule for Rate Decrease in %age
 RATE INCREASE - Rule for Interest Rate Increase
 RATE INCREASE TOLERANCE - Rule for Rate Increase in %age
 MAXIMUM CHARGE – Rule for Maximum Charge
 MINIMUM CHARGE – Rule for Minimum charge
Slide 250
Workshop - Periodic Attribute for Decrease in Interest Rate

Additional Settings > Periodic Attributes
> INTEREST Property Class
 Set a Periodic Attribute for decrease in Interest Rate during any 1 year
period. Rule to be applied with effect from start of arrangement
Slide 251
Solution – Periodic Attribute for Decrease in Interest Rate
Slide 252
Workshop – Periodic attribute for Minimum Credit in an Account
 Use MB Admin Menu > Product Builder

> Additional Settings > Periodic
Attributes > Activity Restriction Property
Class > Minimum Initial Balance
 Set a Periodic Attribute for Minimum Initial Credit for life of the Product.
Slide 253
Solution – Periodic attribute for Minimum Credit in an Account
Slide 254
Activity Restrictions and Transaction
rules
Slide 255
Activity Restriction
 Complete restriction of Activity

 Activity cannot be run altogether
• Not to allow change of Customer, Not to allow change of
Product
• Amount below Minimum Balance not accepted as initial deposit
 Error message is Mandatory
 Partial or conditional restriction

 Control activity but allow with an override
• Allow more than 5 Debits in an Account in a year only after
approving override, Allow receipts in an Account only in multiples of 100
 Override message is Mandatory
 Periodic Rules
 Enables definition of rules with a time element
Slide 256
Activity Restriction Types
Balance Rules
• Based on balance the activity affects
Transaction Amount
• Based on transaction amount of activity
Transaction Count
• Based on transaction count of activity
Slide 257
Activity Restriction – Scheduled Interest / Charge related
 Possible to restrict activities related to

scheduled Interest and Periodic charge
properties
 Property should have been defined in the Payment Schedule property
 Restrictions can be based on:

 Transaction count / transaction amount / balances
 When activity restriction rule is broken:

 Waive the Interest or Charge Property amount and apply an alternate
Interest or Charge Property
 Or apply the actual Interest amount ignoring any alternate Interest
 If the activity restriction rule is not Slide 258

ACTIVITY.RESTRICTION Property Class
Payment
Customer
Schedule
Activity
Closure
Restriction
Accounts
Activity
Account
Mapping
Tax Accounting

Officers
Slide 259
Activity Restriction – Property Class
 This Property Class allows Multiple Properties and is TRACKING type
 This Property is Product Only
 Currency and Date Specific

Property Class
ACTIVITY.
RESTRICTION
Attributes:
Balance Prefix
DATED, CCY, MULTIPLE, NIL
TRACKING,
FORWARD.DATED
Slide 260
Activity Restriction Property
Rule based
Run Activity
Rule based
Run
Rule Property
based
Slide 261
Activity Restriction product condition – Rules tab related
 Rule Name
 Any name as desired
 Any number of rules can be multi-valued
 Periodic Attribute
 Valid record from AA.PERIODIC.ATTRIBUTE
 Activity Class / Activity

 Activity class or activity to be restricted
 Balance
 Balance type on which rule should apply
 Value
 Actual value of the balance type
Slide 262
Activity Restriction product condition – Activity tab related
 Activity Class / Activity

 Activity class or activity that needs to be restricted, can be multi-valued
 Run the rule – rule created in rules tab
 Break Result – can be error / override
 Override / Error message – appropriate message to be added
 Break rule charge – charge property for collecting charges when

periodic rule is broken
 App period - Periodic charges applied at the end of this period
 App method – Periodic charges made Due / capitalise / defer
Slide 263
Activity Restriction product condition – Property tab related
 Property
 Interest / Charge properties defined in Payment Schedule
 Run the rule

 Rules created under rules tab
 Evaluation
 Break – Breaking the rule
 Satisfy – Satisfying the rule
 Evaluation Result
 Apply Interest / charge property amount
 Waive Interest / charge property amount
 Alternate Property
Slide 264
Workshop - Setting restrictions in Current Accounts

> ACTIVITY.RESTRICTION –
TRANSACTION.COUNT.TOTAL > New
Condition
 Create a Periodic Attribute applicable for any one month period, in an
Arrangement to restrict total no. of transactions

MINIMUM.BALANCE > New Condition
 Create a Periodic Attribute applicable for life of an Arrangement to restrict
minimum balance in the account
Slide 265
Solution - Setting restrictions in Current Accounts
Slide 266
Solution - Setting restrictions in Current Accounts
Slide 267
Workshop – Setting restrictions in Notice Accounts (a)

TRANSACTION.AMOUNT.TOTAL >
New Condition
 Create a Periodic Attribute applicable for monthly repeating periods starting
with calendar date to restrict total transaction amount

MAXIMUM.BALANCE > New Condition
 Create a Periodic Attribute applicable for life of an Arrangement to restrict
maximum balance in the account
• Slide 268
Solution - Setting restrictions in Notice Accounts (a)
Slide 269
Workshop – Setting restrictions in Notice Accounts (b)

ACTIVITY.RESTRICTION
 Create a new Product Condition for Notice accounts
 Defining a rule for minimum initial balance of 1000 while crediting an
arrangement
 If minimum opening balance goes below 1,000, an override is to be
generated and MINBALFEE is collected for breaking the rule
 Define maximum balance not to exceed 2M, when exceeded, an error is to
be generated
 Restrict the total cash withdrawals amount to 5000 when cash withdrawals
occur within monthly periods defined. When the rule is broken, no credit
interest is to be paid to the customer for the period
 Assess whether the maximum transaction count does not exceed zero for
cash withdrawals. When rule is not broken, bonus is to be paid to the
customer
•
Slide 270
Solution - Setting restrictions in Notice Accounts (b)
Slide 271
Solution - Setting restrictions in Notice Accounts (b)
Slide 272
Workshop – Setting restrictions in Savings Accounts

 Create a new Product Condition for setting restrictions in savings Accounts
 Minimum balance to be maintained in the arrangement is 500. During debit
activity, if the balance goes below 500, an override to be generated and a
MINBALFEE to be collected on a defer basis
 Total transaction count for cash related withdrawals not to exceed 3 in a 1
month repeating period. When the rule is broken, credit interest is waived
for the period
Slide 273
Solution - Setting restrictions in Savings Accounts
Slide 274
Solution - Setting restrictions in Savings Accounts
Slide 275
Workshop – Setting restrictions in Student Accounts

 Create a new Product Condition for setting restrictions in student Accounts
 Define a rule for restricting minimum balance to 0 under periodic attribute
MINIMUM.BALANCE. The related balance to be defined
 CRINTEREST is waived when the customer breaks the rule of keeping a
minimum balance of zero (balance goes into negative)
 All attributes to be set as negotiable
Slide 276
Solution - Setting restrictions in Student Accounts
Slide 277
Workshop – Setting restrictions in Staff Accounts

Create a new Product Condition for setting restrictions in staff Accounts:
 Define a rule for restricting opening balance to 100, if the minimum initial
balance, goes below 100, an error is to be generated
 Defining a minimum balance of 0 to be maintained in the account. If the
minimum balance in the arrangement during debit activity, goes below 0, an
override is set to be generated
 Restrict count of cash deposits per month to 5. If the count of cash deposits,
exceeds 5 per month, an error is to be generated
Slide 278
Solution - Setting restrictions in Staff Accounts
Slide 279
1.TRANSACTION.AMOUNT.MAXIMUM
Periodic Attribute Class can be used to
restrict the increase in Current Account
Balance
a) True
b) False
2.Periodic Attribute Classes are linked to

Properties
a) True
b) False
Slide 280
Account Closure
Slide 281
Arrangement Closure
 Request for Closure - (Overview > New Activity)

 Can be undone by Reversing
 Settle out of Teller or FT
 Triggers an ACCOUNT Closure

 Cannot be undone
 ‘Reactivation’ activity brings Arrangement back to Live status
 Possible to close online or in Close of Business
Slide 282
Closure Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 283
Closure – Property
 Handles closure of Arrangements
 Product condition is Dated and Tracking
Property
Class
CLOSURE
Attributes:
Balance Prefix
DATED, TRACKING
Slide 284
Arrangement Closure
 Arrangement Closure a two step

process:
 Request closure activity

 Calculates accrued interest, tax, if any for credit interest
 Updates final balance as on current date
 Charges for closure can be attached to this activity
 Possible to reverse through reactivation, charges not reversed
 Settlement for closure through funds

transfer / teller
Slide 285
Arrangement Closure
 Account balance is equal to zero

 Arrangement status moves to Pending closure
 Account balance is less / greater than

zero
 Arrangement status moves to Request closure
 Request Closure status:

 No further interest accruals
 Credit / Debit to account still possible
 No activity other than settlement activity for closure can be run
 Reversal of Request closure activity

possible Slide 286
Closure – Product Condition
 Closure Type
 BALANCE - When all balances become Zero, closure activity is scheduled
 Closure Method
 Valid options are Automatic, Manual and Online
 Specifies whether closure processing would be triggered automatically or
manually or Online
 Closure Period
 Indicates when CLOSURE activity would be processed for Automatic
closure
 Posting Restrict
 Specifies the account closure posting restriction code
Slide 287
Workshop - Automatic closure

Product Conditions > CLOSURE
 Closure to happen automatically on balances becoming zero
 Period for processing is 10 days
 Posting restriction code is 90
 All attributes are negotiable by default
Slide 288
Solution – Automatic closure of Account
Slide 289
Workshop - Online closure of Account

Product Conditions > CLOSURE
 Closure to happen Online
 Period for processing is nil
 Posting restriction code is 90
 All attributes are negotiable by default
Slide 290
Solution – Online closure of Account
Slide 291
1.Payin rule is marked as None in

Settlement product condition. This
indicates that this settlement is stopped
till marked otherwise
a) True
b) False
2. Payment rules are used when Bank pays dues to Customer and Payout
rules are used when Customer pays dues to Bank
a) True
b) False
3. Once a closure activity is triggered and is completed in an

arrangement, it is possible to bring the Arrangement back to Live
status through a ‘Reactivation’ activity Slide 292
Building Banking Products:
Retail Accounts Arrangements
Slide 293
Workshop - Creation of an Accounts Product Group
 Use Admin Menu > Product Builder > Products > Product Lines –Accounts
 Create a new Product Group with the following Settings:
PROPERTY CLASS PROPERTY MANDATORY
ACCOUNT BALANCE YES
ACCOUNTING ACCOUNTING YES
ACTIVITY.MESSAGING MESSAGING
ACTIVITY.MAPPING ACTIVITY.MAPPING YES
ACTIVITY.CHARGES ACTIVITY.CHARGES
ACTIVITY.PRESENTATION PRESENTATION
CUSTOMER CUSTOMER YES
INTEREST CRINTEREST
DRINTEREST
LIMIT LIMIT
OFFICERS OFFICERS
CHARGES ACCCHARGE
TXNFEE
CHEQUEWD
PAYMENT.SCHEDULE SCHEDULE
ACTIVITY.RESTRICTION AR.ACCOUNT
CLOSURE CLOSURE YES
BALANCE.MAINTENANCE BALANCE.MAINTENANCE
BALANCE AVAILABILITY BALANCE.AVAILABILITY
ELIGIBILITY ELIGIBILITY
CHANGE.PRODUCT CHANGE.PRODUCT
CHARGE.OVERRIDE CHARGE.OVERRIDE
PERIODIC.CHARGES LEDGERFEE
TAX TAX
PAYMENT.RULES ACCOUNTS.PAYMENT.RULES
PAYOUT.RULES ACCOUNTS.PAYOUT
SETTLEMENT SETTLEMENT
Slide 294
Solution – Creation of an Accounts Product Group
Slide 295
Solution – Creation of an Accounts Product Group
Slide 296
Workshop – Creation of a Default Accounts Product
 Use Admin Menu > Product Builder > Products > Product Lines –
Accounts > Product Groups
 Create a default Product under Product Group created in previous Workshop
with the following settings:
PROPERTY PRODUCT CONDITION ARR.LINK
ACCOUNTING ACCOUNTS Tracking
BALANCE DEFAULT.CURRENT Non-Tracking
CRINTEREST NONE Non-Tracking
DRINTEREST CURRENT.ACCOUNT Non-Tracking
LIMIT SINGLE Non-Tracking
SCHEDULE DEFAULT.SAVINGS Non-Tracking
PRESENTATION SAV.CURR.ACCOUNTS Tracking
CUSTOMER STANDARD Non-Tracking
OFFICERS SAV.CURR.ACCOUNTS Non-Tracking
CLOSURE AC.CLOSURE Non-Tracking
BALANCE.MAINTENANCE NEGOTIABLE Non-Tracking
ACTIVITY.MAPPING ACCOUNTS Tracking
ACCOUNTS.PAYMENT.RULES ACCOUNTS.PAYMENT.RULES Tracking
ACCOUNTS.PAYOUT ACCOUNTS.PAYOUT Tracking
SETTLEMENT ACCOUNTS.SETTLE Non-Tracking
contd....
Slide 297
Workshop – Creation of a Default Accounts Product
 Set the following in calculation source tab:
Calculated Property Source Type Source Balance

CRINTEREST CR.MINIMUM CURBALANCE
DRINTEREST DR.MAXIMUM CURBALANCE
 Product is available in USD, CAD, GBP
Slide 298
Solution – Creation of a Default Accounts Product
Slide 299
Solution – Creation of a Default Accounts Product
Slide 300
Workshop – Creation of a Parent Account Product
 Create a Parent Product under Product Group created in previous Workshop
with the following basic settings:
PROPERTY PRODUCT CONDITION ARR.LINK

ACCOUNTING ACCOUNTS Tracking
PRESENTATION SAV.CURR.ACCOUNTS Tracking
CUSTOMER STANDARD Non-Tracking
OFFICERS SAV.CURR.ACCOUNTS Non-Tracking
CLOSURE AC.CLOSURE Non-Tracking
BALANCE.MAINTENANCE NEGOTIABLE Non-Tracking
ACTIVITY.MAPPING ACCOUNTS Tracking
ACCOUNTS.PAYMENT.RULES ACCOUNTS.PAYMENT.RULES Tracking
ACCOUNTS.PAYOUT ACCOUNTS.PAYOUT Tracking
SETTLEMENT ACCOUNTS.SETTLE Non-Tracking
 Product is available in USD
Slide 301
Solution – Creation of a Parent Account Product
Slide 302
Workshop – Creation of a Current Account (child) Product
 Create a child Current Account Product under Parent Product created in
previous Workshop with the following settings:
PROPERTY PRODUCT CONDITION ARRANGEMENT LINK
BALANCE AC.CURRENT Non-Tracking
CRINTEREST NONE Non-Tracking
DRINTEREST CURRENT.ACCOUNT Non-Tracking
LIMIT SINGLE Non-Tracking
SCHEDULE CURRENT.ACCOUNT Non-Tracking
AR.ACCOUNT CURRENT.ACCOUNT Tracking
ELIGIBILITY TRGACCOUNT.ELIGIBILITY Non-Tracking
CHEQUEWD CHEQUE.WITHDRAWALS Non-Tracking
TXNFEE HIGHEST.DEBIT Non-Tracking
LEDGERFEE LEDGERFEE Non-Tracking
 Product is available in USD

 Calculation source for Interest and charge properties to be marked
Slide 303
Solution – Creation of a Current Account (Child) Product
Slide 304
Solution – Creation of a Current Account (Child) Product
Slide 305
AA Advanced Accounting
Slide 306
AA Accounting –overview
Arrangement Accounting
Activity Events
Accounting
Property Product Action
Condition Financial
Reporting
Balance 1
Allocation
Balance 2 Rules SPEC.ENTRY
Balance ‘n’
Core Accounting STMT.ENTRY
Update CATEG.ENTRY
Balances
Slide 307
Arrangement Balances - Overview
 Some Properties of an Arrangement

have one or more associated Balances
 A property can have Balances in different states depending on status
 Some activities update Balances

 Balances are updated through T24 accounting
 Balances are used

 In financial reporting
 As the basis for calculation of interest or charges
 For applying certain types of periodic restriction
Slide 308
AC.BALANCE.TYPE
 Balance Type is a Financial Component

of a Product
 Definition of Product specifies which balance types the Product should be
comprised of
 Reporting Type
 Contingent, Non-contingent and Internal
 Balance types are hard coded in T24
 AC.BALANCE.TYPE application offers

ability to create additional balance types Slide 309
Balance Prefix
Possible Prefixes for

Deposit Product Line:
CUR = Current Balance
TERM.AMOUNT, ACCOUNT
ACC = Current Accrued

Balance
INTEREST, CHARGE
DUE = Due Balance

ACCOUNT, CHARGE
AGE = Overdue Balance

ACCOUNT
UNC = Unallocated Credit

ACCOUNT
UND = Unallocated Debit

ACCOUNT
EXP = Expected Balance

ACCOUNT
PAY = Payable Balance

ACCOUNT, INTEREST, CHARGE
Slide 310
AC.BALANCE.TYPE
 Reporting Types
 Contingent - Off-Balance sheet item
 Non-Contingent – In Balance Sheet

 Internal - Not Reported
 Virtual - Sum of specified balances
 Activity Update
 Option to update historical balance file
 Suspend Balance
 Option to suspend posting to PL
 Change asset type

 If the account moves from debit to credit
Slide 311
Linking Balances to Calculations
 Interest and Charge properties can

base their calculations on specific
balances
 This can include virtual balances
 And can include ‘memo’ balances
 Provides a variety of calculation options
Slide 312
Linking Balances to Calculations
 Specify Properties and Balances linked for calculations in

CALCULATION.SOURCE Tab in Product (AA.PRODUCT.DESIGNER)
Set Calculation property , Source Balance and Source Type
Link to AC.BALANCE.TYPE is made through Source Balance
Slide 313
 This application holds information on actions performed in each

PROPERTY CLASS
 The information covers:

 Actions for each PROPERTY CLASS
 Accounting entry generated or not for the action
 Product Line
Slide 314
Activities Overview
 Activities are operations that can be applied to Arrangements

 Example : Deposit, Apply Payment, Accrue Interest
 Arrangements can only be updated via Activity (both online and COB)
 In fact, creating a new Arrangement is also an activity
 Activities are grouped into Activity Classes

 Defined by Temenos
 Activity Class defines behaviour
Slide 315
Activity Class Actions- ACCOUNTS-CHANGE-INTEREST
Update Interest
Evaluate Activity Restriction
Calculate Activity Charges
Send Message Activity Messaging
Actions Property Classes
Slide 316
Activity - ACCOUNTS-CHANGE-CRINTEREST
Update CrInterest
Evaluate Activity Restriction
Calculate Activity Charge
Send Message Activity Messaging
Actions Properties
Slide 317
Accounting Property Class
Eligibility Interest Charge Limit
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Slide 318
Accounting - Property Class
 Property for Accounting cannot be

viewed or edited at arrangement level
 Update Action possible, will

Property Class
not
generate Accounting entry
ACCOUNTING
Attributes:
Balance Prefix
DATED, MERGE, NIL
TRACKING.ONLY
Slide 319
Accounting – Product Condition
 Rules defined for every property

requiring accounting entries
 Allocation rules defined for each action of property
 ACCT.ACTION Field - Accounting

Action
 Action of respective properties for which rules are defined
 Must be ACTION having ACCOUNTING stated to YES in
AA.PROPERTY.CLASS
 ACCT.RULE Field - Allocation Rule

 Accounting rule associated with property and accounting action
 Must be a valid record in AC.ALLOCATION.RULE
Slide 320
Accounting – Product Condition
 Charges / commission taken can be

amortised over a period specified in
Accounting property
 Accrue Amort
 This should be set as AMORT
 Accrue Period
 Should be set as MATURITY or a valid period to be defined (1M, 1Y)
Slide 321
Accounting Balances and Data
Current balances
ARRANGEMENT EB CONTRACT
ID: Arrangement No.
BALANCES
1 ID: AA Account ID
Arrangement
Master
Current balance amounts STMT.ENTRY
Account No = Arr A/c
Balance Type = Multi Bal Type
1
ACCT
ACCTACTIVITY
ACTIVITY
ACCOUNT ID: Contract/Account
ACCT.BALANCE.ACTIVITY
ID: Contract/Account
[.balance] - YearMonth
ID: Contract/Account
ID: Account [.balance] - YearMonth
* [.balance] - YearMonth CATEG.ENTRY
Hist Balance and mvmt
Working Balance Hist Balance and mvmt Account No = Arr A/c
Hist Balance
By value dateand mvmt
By value date Profit and Loss Movement
By value date
Link to T24 apps
Crf Key Data
Historic Balances Accounting Entries
Interest Calc
SPEC.ENTRY
Deal No = Arr A/c
CRF Type = Multi Bal Type
Slide 322
AC Allocation Rules and AC Posting Detail
 Allocation Rules take an event and

creates a number of entries by
specifying
 Target Balance
 Contra Balance
 Transaction Codes to Use
 Movement Detail
 Multiple Targets and Contra Targets can

be created from same event
 Will allow additional movements to be created if required
 Target options include P&L, Internal Account, specific Balance Type
 Default is balance type supplied with the entry through
AC.POSTING.DETAIL
Slide 323
Accounting entries in AA
 When a Loan/Deposit Arrangement

was debited / credited
 Original entry from underlying application moved to suspense account
 Opposite entry created from suspense when processing activity
 Suspense account replaced with

balance type AASUSPENSE
 Internal balance type AASUSPENSE

used in both core and soft accounting
 Shift from suspense account to Slide 324

AA and Accounting
Suspense
TELLER Processing
Change A/C on Cr
AASUSPENSE
Dr Till entry to14700
Payment
Cr Arrangement Accounting Rules
USD 1,500.00
AA.ARRANGEMENT.ACTIVITY
Dr 14700
STMT.ENTRY CR1 Arrangement
Txn Ref = (Principal)
DR Till $1,500 TT CR2 Arrangement (Interest)
Txn Ref = CRx Arrangement (Charge)
CR 14700 $1,500 TT (Total=1,500.00)
Txn Ref =
DR 14700 $1,500 AA
Activity Log
Txn Ref =
CR1 Arrangement $xxx AA
Txn Ref =
CR2 Arrangement $xxx AA
Transaction Boundary
Txn Ref =
CRx Arrangement $xxx AA
Slide 325
Workshop – Viewing Account & Accounting information
 Use Role Based Home Pages > Retail

Operations > Home Page – Customer
Service Agent > Product Catalog >
Product Groups > Accounts > Current
Account > Current Account
 Create a new Arrangement and get it authorised. While authorising note

down the AA Account Number
 Use Command Line

 Look at Account record and Arrangement Balances
Slide 326
Solution–View Account & Accounting information
Slide 327
Workshop–View Account & Accounting information after FT
 Use User Menu > Retail Operations >

LCY Draft Issue/Account Transfer >
Transfer between Accounts
 Input a Funds transfer for the arrangement created in the earlier workshop
 Commit Record, Note the override message, if any
 Use Command Line

 Look at the ACCT.BALANCE.ACTIVITY, EB.CONTRACT.BALANCES and
Arrangement Balances
Slide 328
Solution–View Account & Accounting information after FT
Slide 329
Solution–View Account & Accounting information after FT
Slide 330
Workshop – Creation of Charge Property, Balance Types & Allocation rules

Properties > Charge
 Create a new CHARGE property

Additional Settings > Balance Types
 Create balance types with prefixes ACC, PAY, DUE for CHARGE property

Additional Settings > Allocation Rules
 Create a new Allocation Rule for the new CHARGE property (You can copy
Accounting Allocation Rule “DEBIT-CHARGE” and change the P&L
Category retaining other details)
Slide 331
Solution – Creation of Charge Property
Slide 332
Solution – Creation of Balance Types
Slide 333
Solution – Creation of new allocation rule
Slide 334
Solution – Creation of new accounting product condition
Slide 335
Workshop – Rebuilding Product group & Product

Products > Deposits
 Open your Product Group
 Add your CHARGE property to Charge Property Class
 Rebuild the Product Group

Products > Deposits > Your Product
Group
 Open your Product, add a product condition to your CHARGE property
 Replace the existing product condition for ACCOUNTING Property with the
new one you have created
 Proof and publish the product
Slide 336
Solution – Rebuilding Product group
Slide 337
Solution – Rebuilding Product
Slide 338
Solution – Proofing & Publishing the Product
Slide 339
Balance Maintenance Property Class
Payment
Customer
Schedule
Account Closure
Accounts
Activity
Officers
Restriction
Tax Accounting

Presentation Mapping Charges Maintenance
Slide 340
Balance Maintenance - Property Class
 Property class allows to capture bills,

balances and adjust balances of bills
taken over from contracts
Property Class
 Contracts can be taken over from

BALANCE
MAINTENANCE
existing legacy system or existing T24
Accounts module into AA module
Attributes:
Balance Prefix
DATED, CCY, MULTIPLE NIL
NON.TRACKING,
ARRANGEMENT
Slide 341
Balance Maintenance – Product Condition
 Capture Bill
 Capture Balance
 Adjust Bill
 Adjust Balance
 Write Off Bill

Slide 342
Balance Maintenance – Capture Bill
 Allows a single bill to be captured for an

arrangement
 Total OS Amount
 Amount OS by property
 Original Amounts
 Bill Date
 Due Date
 Dates are before start date of

arrangement in T24
 Amounts are made due and then will be

Slide 343
Balance Maintenance – Capture Balance
 Allows non bill related balances to be

captured for an arrangement
 For example accrued interest, charges
 Dates are before start date of

arrangement in T24
 Other ‘side’ of movement is handled by

allocation rules Slide 344
Balance Maintenance – ADJUST BILL
 Allows existing bill amounts to be

adjusted
 Amounts can be increased or decreased
 Can be adjusted to zero
 Multiple Bills can be adjusted in the

same transaction
 Balance Maintenance property will

show balances as per the effective date
of the adjustment activity
Slide 345
Balance Maintenance – ADJUST BALANCE
 Allows existing non bill related balances

to be adjusted
 Amounts can be increased or decreased
 Can be adjusted to zero
 Multiple Balances can be adjusted in

the same transaction

Slide 346
Balance Maintenance – Write off Bill
 It is an ADJUST BILL activity
 Allows existing bills to be written off

 Amounts are automatically set to zero
 Bill status set to written off
 Multiple Bills can be written off in the

same transaction

show balances as per the effective date Slide 347
Balance Maintenance – Write off Balance
 Allows existing non bill related balances

be written off
 Selected Balances are decreased to zero
 Multiple Balances can be written off in

the same transaction

Slide 348
Balance Maintenance – ADJUST ALL
 Allows adjustment of bills and non bills

related balances in the same
transaction
 Balances and amounts can be increased and decreased
 Combination of Adjust Bill and Adjust Balance
 Bills can be written off
 Amounts can be written off
 Other ‘side’ of movement is handled by Slide 349

Balance Maintenance – Others
Typical sequence of steps involved in

migration:
 Take-over Arrangement
 Capture outstanding Principal
 Capture overdue Bills
 Capture current accruals Slide 350

Balance Maintenance Activities
Take Over Activities – Capture Bills and Balances

Direct Financial Adjustments
Slide 351
Quiz
Check Your Understanding
1. Balance prefixes are indicated in ACCOUNTING Property Class

a) True
b) False
2. Virtual Balance is the sum of select balances

a) True
b) False
3. Balance Prefixes in AA Accounts are user definable

a) True
b) False
Slide 352
Retail Accounts - A Review
In this course, you were introduced to Retail Accounts. Emphasis was given on
some basic and important Property Classes.
 Having completing this course, you will now be able to:
 Understand the product overview of T24 Accounts and Retail Accounts
 Identify Application specific parameter tables for designing a Retail Account

product
 Configure a Retail Account Product
Slide 353

T4 AA Retail

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AA Retail

TEMENOS EDUCATION CENTRE

After completing this learning unit, you will be able to:

 Understand the product overview of T24 Accounts and Retail Accounts

 Identify Application specific parameter tables for designing a Retail Account

 Configure a Retail Account Product

 Perform user activities and transactions related to the Product

Interest & Fixed, Floating, Periodic interest with/without compounding.

Operational Event based restrictions such as restrictions on number of transactions can be

Overdraft Overdraft facilities can be provided and monitored.

Limit Credit Debit

 Arrangement Accounts have Customer

 Use User Menu > Retail Operations > Account Arrangement

 Transfer funds into the Account

Account Arrangement Account Reference

Product Product of the Account

Working Cleared Balance +

Recent Txns Recent transactions on the account in

 Tables used for building re-usable

 Tables set up during implementation:

 Released by TEMENOS to define Actions and Attributes for any

ACCOUNTS, DEPOSITS, Pre-fixes for Balance

 Property is a named type / instance of a Property Class

 To be defined for every Property class, by associating Id of the

 Possible to create different Product Conditions for a Property Class

 Fields of a Product condition represent attributes of the associated

 Product conditions have to be Date specific if Property class is set so

 Can be currency specific if the corresponding Property Class allows it

 Currency and Effective Date form part of Product condition Id

 Possible to set conditions with future value date

Attributes controlled by TYPE

 This application holds information on actions performed in each

 The information covers:

Eligibility Interest Charge Payment Rules

Activity Activity Activity Periodic

 Customer entered into New

 Primary owner can be changed:

 Limit sanctioned to Primary owner alone

Limit Interest Charge Eligibility

Activity Activity Activity Balance

 Customer Property class is mandatory

Attributes: Balance Prefix

 Product conditions can be set regarding

Limit Interest Charge Eligibility

Activity Activity Activity Balance

 Property for Officers can be set as

 Update Action Property

Attributes: Balance Prefix

Both of above must be a valid Officer in DEPT.ACCT.OFFICER file

 Roles for Other Officers

 Notes for Other Officers

 Default value is Account Officer defined in CUSTOMER record

Transaction Code 258

 Which maps to ACCOUNTS-CREDIT-ARRANGEMENT

 Using AA Activity Mapping

 Similar mappings Slide 61

Limit Interest Charge Eligibility

Activity Mapping Closure

Activity Activity Balance

 Values cannot be viewed or edited at arrangement level

 Arrangement level values track changes to Product condition

 Default Activities for unmapped

1.Accounts Arrangements include