EXPLORING THE CBS ENVIRONMENT EXPLORING THE CBS ENVIRONMENT CA. Kiran Kunte B. Com, FCA, DISA, Cert. IFRS, LL.B CA. Kiran Kunte B. Com, FCA, DISA, Cert. IFRS, LL.B
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EXPLORINGTHE CBS ENVIRONMENT
EXPLORINGTHE CBS ENVIRONMENT
CA. Kiran KunteB. Com, FCA, DISA, Cert. IFRS, LL.B
CA. Kiran KunteB. Com, FCA, DISA, Cert. IFRS, LL.B
Background:Background:
Sec. 143 (9) of Companies Act 2013: AUDITING STANDARDSSec. 143 (9) of Companies Act 2013: AUDITING STANDARDSSec. 143(12) of Companies Act - 2013: FRAUDSec. 143(12) of Companies Act - 2013: FRAUDSA 315 OF ICAI: Risk AssessmentSA 315 OF ICAI: Risk Assessment
SA 240 OF ICAI: CIS EnvironmentSA 240 OF ICAI: CIS Environment
Amendment to Sec. 194 A of Income Tax Act - Union Budget 2015Amendment to Sec. 194 A of Income Tax Act - Union Budget 2015
CORE BANKING SOLUTIONCORE BANKING SOLUTION
CORE means …CORE means …
Technical DefinitionTechnical Definition
BOD / EODBOD / EOD
SOL, Data Centre, DR SiteSOL, Data Centre, DR Site
Practical DifficultyPractical Difficulty
Auditing with Computer Auditing with Computer
Not possible, CAATNot possible, CAAT
Auditing AROUND the ComputerAuditing AROUND the Computer
CBS Products: FINACLE and BANCCBS Products: FINACLE and BANC
CBS Products: FINACLE and BANCCBS Products: FINACLE and BANC
Some banks using FINACLESome banks using FINACLE
CBS Products: FINACLE and BANCCBS Products: FINACLE and BANC
Some banks using FINACLESome banks using FINACLE
CBS Products: FINACLE and BANCCBS Products: FINACLE and BANC
Some banks using BANCSome banks using BANC
CBS Products: FINACLE and BANCCBS Products: FINACLE and BANC
Some banks using BANCSome banks using BANC
Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)
Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)
Sanctioned limit Sanctioned limit
Margin % Margin %
DP Mode DP Mode
Stock statement frequency Stock statement frequency
Trigger for slippage Trigger for slippage
Interest Rate Interest Rate Continued …Continued …
Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)
Linkage of interest rate to credit rating Linkage of interest rate to credit rating
Linkage to BPLR Linkage to BPLR
Credit rating Credit rating
Incremental rate Incremental rate
Penalty parameters Penalty parameters
Security code Security code Continued …Continued …
Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)Parameters as a tool of input control:e.g. Cash Credit (garbage in - garbage out)
Sector code Sector code
Scheme code Scheme code
CGTSME Flag CGTSME Flag
Parameters as a tool of input control: e.g. Housing LoanParameters as a tool of input control: e.g. Housing Loan
Parameters as a tool of input control: e.g. Housing LoanParameters as a tool of input control: e.g. Housing Loan
Male / Female Male / Female
Basis of Rate Basis of Rate
Moratorium Period Moratorium Period
Parameters as a tool of input control: e.g. Fixed DepositParameters as a tool of input control: e.g. Fixed Deposit
Parameters as a tool of input control: e.g. Fixed DepositParameters as a tool of input control: e.g. Fixed Deposit
Auto Renewal Flag Auto Renewal Flag
TDS Flag TDS Flag
Some useful features of Finacle are …Some useful features of Finacle are …
Menus UTILITY
ACLI Account ledger Inquiry
ACM MASTER Parameters
ACLHM Account Limit History maintenance
INTTM Interest Table master maintenance
Menus UTILITY
ACTI Account turnover Inquiry
ATOR Account turnover report
AINTRPT Interest report for the account
SRM Security Register maintenance
Menus UTILITY
ALM Account Lien maintenance
GI Guarantee enquiry
BI Discounted billsPurchased bills
ISRA Inventory status report activity
Menus UTILITY
IOT Inquiry on transactions. Sundry assets/Suspense/
TDSIP TDS Enquiry report
INTFLRRPT Interest failure report
Menus UTILITY
EXCRPT Exceptional Transactions Report
CTRL + E You can view the second effect of transaction
CTR + D Page down
Menus UTILITY
F3 Back to original
CUMM Customer master
ACINT Interest calculation
ACTODM Account Temporary Overdraft maintenance
Menus UTILITY
LTL Limit tree look up.Report on limit utilisation
BRCR Balancing report on bills sent for collection
DCQRY Report on LC and other documentary credits
Menus UTILITY
AFI
Audit file inquiry.To see changes in data base for non financial transactions like change of status of
a/c from Dormant to active
BANC by TCSBANC by TCS BGL and CGL BGL and CGL
VPIS: Valuable Paper Instrument System VPIS: Valuable Paper Instrument System BGL > Inquire > Account > Account No.
> Transaction Enquiry > Search by Client > Search by CIF > Search by Name
BGL > Inquire > Account > Account No. > Transaction Enquiry > Search by Client > Search by CIF > Search by Name
Exim ModuleExceptional Transactions Report
Exim ModuleExceptional Transactions Report
CasesCases
Migrated Accounts Migrated Accounts
Current Accounts opened as accounts with OD
Current Accounts opened as accounts with OD
Same Borrower - Multiple Id Same Borrower - Multiple Id
Same Depositor - Multiple Id Same Depositor - Multiple Id
BPLR BPLR
InteractionInteraction
Please feel free to share your views.Please feel free to share your views.
My sincerest thanks to you
for sparing your Sunday!My sincerest thanks to you
for sparing your Sunday!
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