Customer

TEMENOS EDUCATION CENTRE

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criminal penalties, and will be prosecuted to the maximum extent possible under applicable law.”
NVchange without notice.
Information in this document is subject to

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CUSTOMER

 Establish prior to any Customer activity.

 Descriptive details not financial.
 Accounts and contracts link into Customer.
 Customer number or mnemonic key as
required for:
– Agency.
– Central Liability.
– Contracts.
– Portfolios.
 Counterparties:
– Other Banks, Retail and Corporate.

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CUSTOMER Application

• Clients:
Private, Corporate.

• Agents:
Other Banks, Brokers.

• Counterparties:
Other Banks, Retail and Corporate.

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Introduction

• CUSTOMER and associated tables are core applications in

Temenos T24 system
• CUSTOMER application is central to organisation of
– information
– services
– profit and loss
• In T24, Customer records are opened and maintained for
– Clients: Private, Corporate
– Agents: Other Banks, Brokers
– Counterparties: Other Banks, Retail and Corporate

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CUSTOMER application

• Establish Customer record prior to any Customer activity

– Descriptive details not financial
– Accounts and contracts link into Customer

CUSTOMER
A/C Based Transactions Contract Based Transactions

Current Account Loans and Deposits

Foreign Exchange
Savings Account

Nostro Account Money Market

Over drafts Securities

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Customer

GLOBAL
CUSTOMER RELATION
COUNTRY

INDUSTRY
SECTOR
CUSTOMER
CUSTOMER. CUSTOMER.
DEFAULT
STATUS
LANGUAGE

TARGET LIABILITY

DEPT.ACCT.OFFICER LOCAL REFERENCE

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Purpose of Customer record

• Contains all the basic information about any Customer the bank
deals with
• Ideally, only one record should exist for each Customer
• Customer record can be created as soon as Name, address and
other relevant information is obtained
– Need not wait till opening of an account or input of any
business transaction

• Customer record, once created, remains for ever

– Not possible to reverse an authorised Customer record

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Customer Menu

• When user logs into T24, a User Menu is displayed

• By clicking on Customer sub menu, we can access sub menus
for
– Opening Individual and Corporate Customer records
– Amending Customer Details
– Authorising and Deleting Customer Details
– Creating or Amending AGENCY record
– Authorising and Deleting AGENCY record
– Recording additional address of Customer
– Customer related enquires
• Menus and sub menus arranged to reflect business flow in
Customer and related application
– Opening, amending, deleting / authorising and viewing
enquiries

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Input details for Individual
Customer

• Inputting Individual Customer details split into 4 sections (tabs /

versions) to facilitate Navigation
• All mandatory fields required to be filled are grouped in first
section called Basic Input.
– Possible to commit and authorise a CUSTOMER record if these
fields are filled
• Additional customer information can be input using other sections
– Other Details, Introduction Details and Relation Details
– These can be filled either along with the Basic input or any time
later
• Fields can be filled up by
– Suitable manual input or chosen from drop down available
– Picking from drop down offered through Static tables
• Static table information is maintained through Administrator menu

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Static tables used in
CUSTOMER

SECTOR

INDUSTRY
COUNTRY

TARGET

DEPT.ACCT.OFFICER

CUSTOMER.STATUS

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Static tables used in
CUSTOMER

DEPT.ACCT.OFFICER

POSTING.RESTRICT

RELATION

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Basic Input - Important fields

• ID
– Unique and upto 10 digits
– Model Bank has been set to generate this automatically
• MNEMONIC (Customer Mnemonic in Model Bank)
– Is a memory aid and hence unique
– Can be used instead of Id, wherever the Customer Id is
required in any T24 application
• SHORT NAME
– Multi lingual. Used for online enrichment

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Basic Input - Important fields

• SECTOR
– Top level grouping. Useful for reporting and applying
preferential charges.
• This field in Customer record is a Hot validate Field
– After inputting value when the cursor is moved away from the
field, connectivity is established with Server for validation and
suitable action
– For a given Sector, it is possible to default values into
ACCOUNT.OFFICER, INDUSTRY, TARGET and NATIONALITY
fields in Customer record if pre-defined suitably in
CUSTOMER.DEFAULT
– For this reason, this field has been designed as a Hot validate
field to facilitate quick input of data

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Basic Input - Important fields

• INDUSTRY
– Next level grouping. Occupation related information
• TARGET
– Useful for future marketing
• NATIONALITY & RESIDENCE
– Country name to indicate nationality and residence
• CUSTOMER.STATUS
– Corporate Large, Bankrupt Comp, Priv Std Client
• ACCOUNT.OFFICER
– Shows Relationship manager here. In other applications can
be re-grouped to get department wise customer related
information

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Basic Input - Important
fields

• LANGUAGE
– Helps identify language used while corresponding with
Customer
• Correspondence Details
– STREET (Street / Number field in Model Bank) is mandatory
• Can be made non mandatory by using CUSTOMER.DEFAULT
– Other correspondence details such as Town, Country, Phone
Numbers and Email Address are optional and can be captured
through respective multi valuable fields
• System maintains Street, Town and Country details as First print
address of Customer in DE.ADDRESS

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Workshop - 1

• Open a Customer record for yourself, by using Customer Menu –

Open Individual Customer sub menu
• Use Basic Input tab and input relevant details of your self
• Choose Sector as 1001 (Individual). Retain the defaulted values
of Target and Customer Status and Account officer
• Change defaulted value in the following fields
– Account officer as 3 Retail Banking user 3
– Nationality and Residence as applicable to you
• Choose a suitable Industry
• Commit the data. Get the record authorised.

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Workshop – 1
Solution

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Other Details - Important
fields

• CUSTOMER.LIABILITY (Liability Customer in Model Bank)

– Indicates the customer consolidation number for credit
grouping purposes. Limit sharing between Group companies
– After authorisation, becomes a no-change field.
– Subsequent changes possible only through LIMIT.CHANGE
application
• POSTING.RESTRICT
– Identifies any restrictions for posting entries for a particular
customer
• Post No Debits, Post No Credits, Post No Entries
• If set at Customer level, controls all accounts of Customer
– Override messages generated if the conditions are breached

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Introduction Details – Important
fields

• This section is meant to record details of introducer and legal

identification, if any, submitted by the Customer.
– Details that could be recorded are Introducer name, Legal
Identification type and Identification number, Issuing authority,
and Validity period.
• All the fields are optional and can be manually filled up

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Relation details – Important
fields

• RELATION.CODE
– To indicate nature of relationship of this Customer to an existing
related customer
• Head office, Spouse, Parent
• REL.CUSTOMER (Relation Customer in Model Bank)
– To indicate the Customer number of related customer.
– Should be an existing Customer
• REVERS.REL.CODE (Reverse Relation)
– System maintained field. Indicates the reverse relationship of the
other customer with this Customer
• Branch, Spouse, Child
• Possible to indicate multiple relationships by multi valuing the fields
• System maintains details of relationships in RELATION.CUSTOMER

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Workshop - 2

• Make the following amendments to your Customer record through

Customer Menu – Amend Customer Details Sub menu
• Choose the Introduction Details tab and indicate the introducer as
John Abraham.
• Choose the Relation Details tab and include suitable relationship with
two existing Customers – 100224 David Brown Lloyd and 100724
AAA Shipping Company of Panama
• Commit and authorise the data.

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Workshop – 2
Solution

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Input details for Corporate
Customer

• Inputting Corporate Customer details also split into 4 sections

(tabs / versions) to facilitate Navigation
• Similar to opening Individual Customer record
• Sector field is predefined with default value 2001 Corporate
– If need be, this could be suitably changed like 2002
Unincorporated Business
• Retail Admin Menu could be used for creating other Sectors, if
needed

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Workshop - 3

• Open a Corporate Customer record for ABC International by

using Customer Menu – Open Corporate Customer sub menu
• Use Basic Input tab.
• Retain defaulted values for Sector as 2001 for Target, Nationality
and Residence
• Change defaulted value in the following fields
– Customer Status as 18 Corporate large
– Account officer as 2 Retail Banking Manager-Others
• Choose
– Industry as 2100 Mining and Quarries
• Commit and authorise the data.

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Workshop – 3
Solution

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Input details for Additional Address

• When a Customer record is opened, System maintains the

address in DE.ADDRESS as PRINT.1 address of Customer
– Delivery messages to the customer get address from here
• Sub menu Additional Address of Customer is available for
inputting additional PRINT, SWIFT and TELEX addresses.
– Record Id can be input as C-CUSTOMER ID.DELIVERY
CARRIER.SERIAL NO
– System maintains with a pre fix of Company code
• GB0010001.C-100842.PRINT.1
• GB0010001.C-100842.PRINT.2
• GB0010001.C-100745.SWIFT.1
• GB0010001.C-100847.TELEX.

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Input details for Bank
Customer

• Menu for opening Corporate Customer record can be used for

this also.
– Instead of the defaulted value of 2001 in SECTOR field,
3001(Banks) or 3002 (Central Banks) could be chosen
– These Sectors are pre defined in ACCOUNT.CLASS application
also under BANK record as valid sectors for Banks. Defining in
ACCOUNT.CLASS helps validation
– SWIFT address can be created through Sub menu Additional
Address of Customer
• After authorisation, AGENCY record can be created through Sub
menu Create/ Amend Agency record
– Useful for Standard settlement instructions with this Bank
– All payments to this bank to be routed through our Nostro
account with them, while LC payments in GBP alone to be
routed through Barclays Bank, London

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Enquiries

• By clicking on Enquiry sub menu, we can access the following

enquiries
– Customer Search Full
• Customer wise details of Name, Nationality, Residence, Sector,
Account officer and Industry are available. Can drill down to view
Customer liability and position summary from here
– Customer Relation
• Customer wise relationship details. Can drill down to view reverse
relationship details also
– Customer Accounts
• Customer wise account details displaying list of Account Numbers,
Account Mnemonic, Account type, Currency, Working balance, Ledger
balance and Cleared balance. Can drill down to view accounting entries
for the day, Entries since last statement as well as Forward movements
• Through Sub Menu Customer addresses, we can add addresses
or update existing addresses, other than PRINT.1

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Workshop -
4

• Using Customer Menu – Enquiry Sub Menu

– Through Enquiry Customer Search Full, look at the details of
individual customer opened by you
– Through Enquiry Customer Relation, look at the details of
relationships established for individual customer opened by
you. Drill down to view the reverse relationships
– Through Sub menu Customer Addresses, look at the PRINT.1
address of your Corporate customer. Add PRINT.2 address.
– Look at the PRINT.1 and the SWIFT.1 Address of Customer id
100436 AMERICAN EXPRESS SINGAPORE

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Workshop – 4 Solution

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Workshop – 4
Solution

Copyright © 2005 TEMENOS HOLDINGS NV

Workshop – 4
Solution

Copyright © 2005 TEMENOS HOLDINGS NV

Workshop – 4
Solution

Copyright © 2005 TEMENOS HOLDINGS NV

Customer
Links
Dept/officer Sector

Industry
Liability
Residence
Customer
CUSTOMER Relationship
Target Customer
Nationality
Address Savings accounts

Status etc Current accounts

Limits
Profitability
Loans
Exposure
Mortgages
Marketing
FX
Deposits
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Summary

• You have learnt the importance of Customer record and how it is

central to all information in T24
• You have learnt how to open and amend Customer records in
T24 Model Bank
• You have also learnt how to use Customer related enquiries in
Model Bank

Copyright © 2005 TEMENOS HOLDINGS NV