Assets and Liabilities Management Tool

Assets and Liabilities Management Tool

(Application: E052877B-15EA-4156-A376-DF3E3F8F3064)

Overview:

This App enables the users at the Financial Institution to view the maturity projection through a graphical interpretation for Time Deposits and Loans as on current post date for the predefined slabs.

The difference between maturity inflows (Loans) and outflows (Deposits) during a period provides the Financial Institution a tool to further analyze the excess or shortfall in liquidity position at any given time. This application helps the Financial Institution to monitor their assets and liability mismatch over a period of time and helps in liquidity planning to ensure that the relevant funds are available within the stipulated period. Assets for this App represent only the Loan accounts and Liabilities only constitutes the Time Deposit Accounts.

Processing:

This application is available from the new screen Assets and Liabilities Management

Tool. The relevant information to be displayed on this screen depends on the selection

of the branch by the user from the Branch drop-down list.

This application uses the following pre-defined slabs for Time Deposit and Loan accounts maturity:

 Less than 3 Months  3 Months to 6 Months  6 Months to 1 Year  1 Year to 3 Years  3 Years to 5 years  Over 5 Years

This screen has the following three graphical representations:

 The Assets and liabilities maturity profile histogram: This graph displays the maturity projection for Time Deposits and Loan accounts for the respective branch as on the current post date. The graph will show the relevant figures in ‘000 or in Millions

For Time Deposits accounts, the balance will be the currently available balance as on the current post date. The Maturity Date of the relevant accounts will be compared with the current post date, and the data will be populated for the pre-defined time slabs.

For Loan accounts, the balance will be the current balance as on the current post date. The Maturity Date of the relevant loan accounts will be compared with the current Post Date and the data will be populated for the pre-defined time slabs. Only the close ended loans will be considered for this calculation.

 The Liability Maturity Breakup pie-chart: This graph displays the breakup of the Time Deposit maturing within a respective period against the total Time Deposit Accounts Balance within the Branch/All Branches. The accounts which are already matured will be covered under the less than 3 months slab.

 The Asset Maturity Breakup pie-chart: This graph displays the breakup of the Loan accounts maturing within a respective period against the total Loan Accounts Balance within the Branch/All Branches.

Note:

A new AuthCd AVSO (App View Supervisor Option) has been created in the AUTH table to be referenced in this APP.

Note that the new AuthCd AVSO is associated with only those APPS, which have the drop-down list Branch and where the user has the option to make a selection for a branch or for all the branches by selecting the option ‘ALL’. Ifthe AuthCd AVSO is not associated then the drop-down list Branch will be disabled and will display only the current logged-in as the default branch. However, if AVSO is associated then the drop-down list Branch will be enabled and the user will have the option to make a selection for a branch or for all the branches by selecting the option ‘ALL’.

This application provides the drop-down list Branch where the user will be required to select the appropriate branch and therefore the Financial Institution will be required to provide a set up for this AuthCd and then associate the same with the respective new screen(s).

Screens:

This application is available from the new screen Assets and Liabilities Maturity Profile

and is accessible through following navigation:

Navigation:

Services > Services > Inquiries > Assets and Liabilities Management Tool This screen also has a quick panel, View Data. On click, this panel displays the

information correspondent to the graphical representations in a grid format. This helps the users to quickly analyze the data in form of figures for various business purposes. The user can also copy this data by selecting the required rows.

Screen Appearances:

When View Data panel is opened:

Note: As the screen fetches a lot of information for the time deposit and loan accounts with respect to their maturity for a branch/entire FI, the screen may take a little longer to load and display the data. The actual time would depend on the amount of data to be fetched.

Field Listing: Asset and Liability Maturity Profile Field Description

Search Criteria

This group box enables the user to provide the search criteria for which the Financial Institution wants to view the maturity projection through a graphical interpretation for Time Deposits and Loans as on current post date for the predefined periods.

Branch This drop-down list box enabled the users to select the required branch

available at the Financial Institution level. The user can also select the ‘ALL’ option to view the data for all the branches at the Financial

Institution level. By default, this drop-down list displays the user’s logged-in branch as selected.

Additional Requirements:

Before executing this application, the Financial Institution will be required to consider the following prerequisites at the client environment:

 The appropriate AuthKey from Open Solutions has been obtained.  Either DNA 3.2 or the higher version of DNA is available.

 The required set-up script/ steps have been executed before running this application.  The Financial Institution will be required to provide the authorization rights to the

respective users at the branch level or the Financial Institution level.

Note:

This application considers only those:

 Time Deposit accounts which are either in Active, Dormant, or Inactive status only are relevant applicable accounts.

 Loan accounts which are either in Active or Non-Performing status only are relevant applicable accounts. Configuration Checklist: Item Test Environment Production Environment AuthCd – AVSO Revisions: Date App Version # Change

04/2011 1.0.0.0 Draft Version Created