6. Reports

This chapter deals with the various BIP reports that are available for the Credit Appraisal Management origination process. The reports that are available are:

To generate any of these reports go to Task tab, Under Origination menu, choose Reports. A list of reports in Origination module will be displayed. You can choose to View or Print the report on clicking of the particular report.The selection options that you specified while generating the report a printed at the beginning of every report.

This chapter contains the following topics:

6.1 Generating Horizontal or Vertical Analysis Reports

You can compare the financial ratios with previous Quarter / year using ‘Horizontal or Vertical Analysis Report’ screen. The system will allow you to select the customer no, financial year, Quarter / Year and the type of the comparison like compare with previous quarter, last year quarter and previous year.

You can invoke this screen by typing ‘ORRFACTR’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can enter the following in this screen:

Customer Details

Customer Number

Specify the customer number whose financial ration needs to be compared. The adjoining option list displays all the accounts maintained in the system. Select the appropriate one.

Customer Name

The system will display the customer name. whenever you select customer number.

Customer Branch

The system will display the customer branch. whenever you select customer number.

Industry

The system will display the customer industry. whenever you select customer number.

Report Details

Report Type

Specify the type of the report from the drop-down list and the available options are:

Year

Specify the financial year which is taken for the report generation.The adjoining option list displays all the years maintained in the system. Select the appropriate one.

Quarter

Specify the quarter which is taken for the report generation from the drop-down list and the available options are:

Compare With

Select the option with which report can be compared from the drop-down list and the available options are:

Report Generation Type

Select the type report generation from the drop-down list and the available options are

Report Format

Select the format of the report from the drop-down list and the available options are:

Report Output

Select the output of the report from the drop-down list and the available options are:

Printer At

Specify the printer at from the drop-down list and the available options are:

Printer

Specify the printer name. The adjoining option list displays all the printers maintained in the system. Select the appropriate one.

6.2 Generating Benchmark Reports

You can compare the financial ratios with predefined benchmark ratios using ‘Benchmark Report Screen’ screen. The system will allow you to select the customer number, financial year and the type of the comparison like compare with Quarter1/Quarter2/Quarter3/Quater4/Last year etc.

You can invoke this screen by typing ‘ORRBENCH’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can enter the following in this screen:

Customer Details

Customer Number

Specify the customer number whose financial ration needs to be compared. The adjoining option list displays all the customer numbers maintained in the system. Select the appropriate one.

Customer Name

The system will display the customer name. whenever you select customer number.

Customer Branch

The system will display the customer branch. whenever you select customer number.

Industry

The system will display the customer industry. whenever you select customer number.

Report Details

Report Type

Select the type of the report from the drop-down list and the available options are:

Year

Specify the financial year which is taken for the report generation.The adjoining option list displays all the years maintained in the system. Select the appropriate one.

Quarter

Select the quarter which is taken for the report generation from the drop-down list and the available options are:

Sheet Volume

Specify the sheet volume of the report.The adjoining option list displays all the sheet volumes maintained in the system. Select the appropriate one.

Compare With

Select the option with which report can be compared from the drop-down list and the available options are:

Report Generation Type

Select the type report generation from the drop-down list and the available options are

Report Format

Select the format of the report from the drop-down list and the available options are:

Report Output

Select the output of the report from the drop-down list and the available options are:

Printer At

Select the printer at from the drop-down list and the available options are:

Printer

Specify the printer name. The adjoining option list displays all the printers maintained in the system. Select the appropriate one.

6.3 Pipeline Analysis Report

This section contains the following topics:

6.3.1 Generating Pipeline Analysis Report

The application provides a facility to generate analytical reports based on comparison of the qualitative factors, quantitative factors, and risk factors on the pipeline facilities of prospective customers. Based on these pre-defined analytical reports, the reviewer or approver can analyse each individual pipeline facility and approve or reject the facilities accordingly. The following pipeline facility analysis reports are pre-defined in the application:

To view these reports, invoke the ‘Analysis Summary’ screen.

This screen is available as a button as a part of the Credit Appraisal Management process and can be invoked during the following stages of the Credit Appraisal Management process.

To process the pipeline analysis data, click the ‘Pipeline Analysis’ button available in the ‘Requested Tab’ at the ‘Credit Recommendation and Review’ stage and the ‘Approval’ Stage. You can subsequently generate the pipeline analysis reports by clicking the ‘Analysis Summary’ button.

The following details are displayed in this report:

Application Number

The system displays the application reference number of the prospective customers.

Branch Code

The system displays the branch code from the adjoining option list.

On the click of the ‘Populate’ button the system populates the list of pipeline facilities and the corresponding prospective customer details. This button is applicable only for generating the Questionnaire Report for specific customers. For the remaining reports, you need not click this button. The following details are populated on clicking this button:

Select

Select a customer or customers based on which the questionnaires report is generated.

Customer Number

The system displays the identification number of the prospective customer.

Customer Name

The system displays the customer name of the prospective customer.

Liability Number

The system displays the liability number of the prospective customer.

Category

The system displays the category of the customer such as corporate and so on.

Type

The system displays the type of customer.

Balance Sheet Size

The system displays the balance sheet size which is classified based on the amount range.

To view the reports click any one of the following buttons:

Details on the each of these reports are provided in the subsequent sections.

6.3.2 Financial Ratio Analysis Report

The Financial Ratio Analysis Report is a financial ratio comparison report generated for selected prospective customers. The financial ratios calculated from the balance sheet are compared and a report is generated. This report includes financial ratios like liquidity ratio, asset or liability ratio and so on. The reports compare financial ratios between prospective customers across quarters and across years. It also provides a comparison between the customer’s financial ratio against the benchmark ratios maintained by the bank. The inputs for this reports are the financial ratio data, prospect customers data, and financial years, on the basis of which the report is generated.

You can define the rules to maintain the financial ratios, which are taken as an input from the balance sheet, cash flow statements or statement of retained earnings. These rules can be defined in the ‘Credit Ratio Maintenance’ (ORDRATMT) screen.

For more information on this screen, refer to the section ‘Credit Ratio Maintenance’ in the Origination Maintenances User Manual.

The financial statements of the prospective customers, like balance sheet, cash flow statement and so on, are uploaded at the application entry or the credit enrichment stage. Subsequently, the financial ratios are computed based on the template maintained.

Click the ‘Financial Ratio Analysis’ button appearing in the ‘Analysis Summary’ screen during the following stages in the Credit Appraisal Management process:

The report consists of the two sections which are as follows:

Header Section

Column Name

Description

Industry

Displays the industry name

From Year

Displays the starting year

To Year

Displays the ending year

Balance Sheet Size

Displays the size of the balance sheet

Quarter

Displays the financial quarter for which the data is being displayed.

Tabular Section

Column Name

Description

Financial Year

Displays the financial year

Financial Quarter

Displays the financial quarter for which the data is being displayed.

Financial Ratio

Displays the name of the financial ratio.

Customer Number

Displays the customer number of the customer whose data is being dis­played.

Customer Name

Displays the name of the customer.

Value

Displays the ratio value of the cus­tomer.

You can filter your report data as per the following search parameters:

These filters can be modified by the user as per the business requirement.

Note

When balance sheet size is not captured as a part of the report, then the system will show only the uploaded details. The benchmark details will not generated in the report.

As mentioned earlier there are two types of graphical reports that are generated:

6.3.3 Questionnaire Report

The pipeline facilities of a prospective customer can be approved or rejected by the bank based on the analysis of the qualitative factors. The application allows you to generate a qualitative report based on the questionnaires, the answers provided by the customer to the questionnaires and the subsequent grades and scores.

The questions, possible answers, and the corresponding scores are maintained in the Rule Maintenance screen (ORDRULMT). The questions are defaulted during the credit analysis stage which allows you to capture answers from the prospective customer.

For more information on the Rule Maintenance Screen refer to the section ‘Maintaining Credit Rating Rules’ in the Origination Maintenance User Manual.

In the ‘Analysis Summary’ screen, on the click of the ‘Populate’ button the system populates the list of pipeline facilities and the corresponding prospective customer details. This button is applicable only for generating the Questionnaire Report for specific customers. You can click two or more customers by clicking the ‘Select’ check box to generate a questionnaires comparison report. You can alternatively, deselect the ‘Select’ check box and generate a questionnaires report for all customers for a specific application number.

Click the ‘Questionnaire Report’ button in the ‘Analysis Summary’ screen to view the questions, answers provided by the customer and the assigned score. This comparison report can be generated to compare the score between two prospective customers or more than two prospective customers.

The following fields are populated in this report:

Comparison between 2 Customers

Header Section:

The header contains the customer number.

Tabular Section

Column Name

Description

Question - Category

Displays the category of the question

Questionnaire

Displays the description of the ques­tion.

Customer A

Displays the answers of customer A.

Score A

Displays the score of customer A.

Customer B

Displays the answers of customer B.

Score B

Displays the score of customer B.

Comparison on more than 2 Customers

Header Section:

The header contains the customer number.

Tabular Section

Column Name

Description

Customer Number

Displays the customer number.

Application Number

Displays the application number of the customer.

Question Category

Displays the category of the question.

Questionnaires

Displays the description of the ques­tion.

Customer Answer

Displays the answers of customer.

Score

Displays the score of customer.

6.3.4 External Agency Analysis

Another qualitative factor based on which the pipeline facilities of prospective customers can be analysed, are the grades and scores provided by external agencies. The external agency grades and scores are captured during the Credit Recommendation and Review Stage of the Credit Appraisal Management process. Click the ‘External Agency Analysis Report’ to view the list of prospective customers whose facilities are awaiting approval, which is grouped based on the customer’s score and the customer’s credit rating grade provided by an external agency. This report displays the following data:

Header Section:

The header contains the customer number.

Tabular Section

Column Name

Description

Application Number

Displays the application number of the customer.

Customer Number

Displays the customer number.

Agency Code

Displays the agency code of the cus­tomer.

Score

Displays the agency score of cus­tomer.

Facility Amount

Displays the line amount.

There are two types of graphs generated:

Comparison of all pipeline applications based on the customer score provided by the external agency.

Comparison of the calculated grades and scores for each customer is displayed in a graphical format.

6.3.5 Exposure Analysis Report

In the ‘Exposure Analysis Report’ the pipeline facilities are grouped under the same exposure type such as currency, customer, and sector. This report provides an overall summary of facilities belonging to a specific exposure type. Click the ‘Exposure Analysis Report’ button in the ‘Analysis Summary’ screen during the following stages in the ‘Credit Appraisal Management’ process, to generate the Exposure Analysis Report:

You can generate the following exposure reports as part of the pipeline facility analysis:

6.3.5.1 Overall Exposure v/s Sanction Amount v/s Utilization

This report displays the overall exposure and utilization of the exposure to which the pipeline facility belongs to. It also displays the sum of the facility amount which is sanctioned or approved for that specific exposure category

Header Section

Column Name

Description

Facility

Displays the pipeline facility code

User ID

Displays the user ID of the user accessing the report.

Exposure Code

Displays the exposure code.

Application Number

Displays the application number of the facility.

Tabular Section

Column Name

Description

Exposure Code

Displays the code of the exposure

Exposure Type

Displays the exposure type.

Overall Limit

Displays the overall limit of the expo­sure.

Total Utilization Amount

Displays the utilization of the exposure

Total Sanctioned Limit

Displays the sanction limit.

Exposure Currency

Displays the exposure currency

6.3.5.2 Summary of Pipeline Facilities

This report displays the list of pipeline facilities which are falling on the selected pipeline facility’s exposure category

facility’s exposure category.

In this report, the following fields are populated:

Header Section

Column Name

Description

Facility

Displays the pipeline facility code

User ID

Displays the user ID of the user accessing the report.

Exposure Code

Displays the exposure code.

Application Number

Displays the application number of the facility.

Tabular Section

Column Name

Description

Pipeline Application Number

Displays the application number of the facility.

Line Code

Displays the line code.

Line Serial

Displays the serial number of the line code.

Liability Number

Displays the liability number of the line.

Line Currency

Displays the currency of the line.

Limit Amount

Displays the amount of the line.

Exposure

Displays the type of exposure.

Exposure Currency

Displays the exposure currency.

6.3.5.3 Summary of Expiring Facilities within the next 6 months

This report displays a list of facilities, falling on the selected pipeline facility’s exposure category which would expire within a span of 6 months. This enables you to analyse the list of facilities belonging to a specific exposure category, which may expire in the near future.

In this report, the following fields are populated:

Header Section

Column Name

Description

Facility

Displays the pipeline facility

Exposure Code

Displays the exposure code

Application Number

Displays the application number of the pipeline facility.

User ID

Displays the User ID of the user accessing the reports.

Tabular Section

Column Name

Description

Facility Code and Serial Number

Displays the pipeline facility code with the serial number.

Line Currency

Displays the facility line currency

Limit Amount

Displays the facility limit amount

Expiry Date

Displays the expiry date of the facility.

Exposure- Country

Displays the country of exposure for the pipeline facility.

Exposure - Currency

Displays the currency of exposure for the pipeline facility.

Overall Exposure Amount

Displays the total exposure amount.