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System
enables automatic asset classification
& computation of provisions
as per RBI norms. The closing
returns on advances are generated
by the system for audit purpose.
Automatic classification helps
in maintaining consistency &
uniformity in applying the norms.
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Reports
like DSB, BSR (1A & 1B) &
other returns can be directly
generated at corporate level sparing
the branches from preparing the
same and ROs from compiling periodically.
HO can directly submit the statutory
returns to RBI on magnetic media
or hard copy. |
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Asset
classification reports in several
combinations can be generated
by the system for its use in analyzing
region wise, branch- wise, industry
wise, and activity wise status
as inputs for risk management.
These reports are available for
different geographical area, ranging
from state to village. |
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Provide
a comprehensive module for reporting
data for CIBIL on the data structure
/ text files for commercial and
consumer credit. |
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Periodic
updations will enable the system
to generate comparative reports
on regions, industry, sector,
activity performance, provisions,
credit expansion, analytical reports
on recoveries etc. |
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NPA
movement charts for region, state,
industry, sector, activity or
in its combination will be available
after the database is periodically
updated. The flow charts can be
generated for both statutory submissions
as well as for objective analysis
of relative risk identification. |
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Multi
dimensional reports enable better
appreciation of credit portfolio
at different levels. The reports
relevant to respective credit
profile can be generated for its
use by the branches and monitoring
authorities. |
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Reports
on Geographical distribution of
credit and its deployment in several
combinations are available for
understanding the area risk dimension
in more objective manner. Certain
reports for submission to SLBC
can also be generated through
this option. |
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Significant
manpower is saved at branch, RO,
CO and HO level due to the introduction
of the system. Use of common database
by different users at corporate
office is expected to reduce the
demand for similar information
from the branches. Most of the
credit related MIS requirement
of the bank could be met through
the system. |
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Reliable
solution for Rationalization of
returns |
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Cost
effective & easy to implement
in short time. |
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Asset
Classification & computation
of provisions as per RBI norms.
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Early
warning Reports for focused monitoring
on financial & non-financial
parameters. |
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Statutory
reports for audit, RBI submission,
ALM requirement on loans &
advances. |
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Generation
of Priority Sector Reports for
monitoring, LBR, monthly sanctions
and disbursement reports. Information
for Parliamentary questions &
Committee Meetings through the
system. |
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Submission
of data to RBI on magnetic media
on their format. |
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Submission
of Commercial and Consumer Credit
data to CIBIL. |
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Multi-dimensional
analytical reports for credit
administration & risk assessment. |
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On-line
validation through color codes
& context help messages. |
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Interface
for data lifting from transaction
systems. |
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Audit
trail report tracks changes made
in critical fields for verification. |
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Generate
Early Warning Report (EWS) on
financial and Non-financial reasons
for the borrower identified as
potential NPA. The financial default
is quantified as CAD & CADU
and non-financial reasons such
as un-reviewed facilities, expiring
stock-statement date, irregular
ad-hoc limits, devolved bills
under LC/BG identified. |
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Data
validation reports on various
parameters viz Activity, Scheme,
and Unsecured critical fields
of TL/DL/CC/OD A/cs etc. available.
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Generate
‘Critical Fields Error Report’
with inconsistent codes, errors
and unexercised options for its
confirmation / corrections. |
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