Contents

1. Preface 1-1

  • 1.1 Introduction 1-1
  • 1.2 Audience 1-1
  • 1.3 Documentation Accessibility 1-1
  • 1.4 Organization 1-1
  • 1.5 Acronyms and Abbreviations 1-2
  • 1.6 Glossary of Icons 1-3
  • 1.7 Related Documents 1-3

    • 2. Limits and Collaterals 2-1

  • 2.1 About Privacy By Design 2-2
  • 2.1.1 Maintaining PII data 2-2
  • 2.1.2 Data Masking 2-2
  • 2.1.3 Right to Be Forgotten 2-2
  • 2.1.4 Granular Access 2-2
  • 2.1.5 Transparent Database Encryption (TDE) 2-3
  • 2.1.6 Data Portability 2-3
  • 2.2 Maintaining Credit Score 2-3
  • 2.3 Maintaining Static Details 2-4
  • 2.3.1 Amount Tag Maintenance 2-5
  • 2.3.2 Category Maintenance 2-5
  • 2.3.3 Exposure Type Maintenance 2-6
  • 2.3.4 Group Maintenance 2-7
  • 2.3.5 Haircut Maintenance 2-8
  • 2.3.6 Location Maintenance 2-9
  • 2.3.7 Maintaining Restriction Details 2-10
  • 2.3.8 Static Type Maintenance 2-11
  • 2.4 Maintaining Agency Details for Credit Rating 2-12
  • 2.5 Maintaining User Defined Status 2-13
  • 2.6 Liability Maintenance 2-14
  • 2.6.1 Specifying Liability Scores 2-19
  • 2.6.2 Specifying Liability Credit Rating 2-20
  • 2.7 Maintaining Customer to Liability Link 2-20
  • 2.8 Covenant Maintenance 2-22
  • 2.9 Collateral Types Maintenance 2-24
  • 2.10 Collateral Category Maintenance 2-25
  • 2.10.1 Maintaining Covenant Details for Collateral Category 2-27
  • 2.11 Issuer Maintenance 2-29
  • 2.12 Securities Maintenance 2-31
  • 2.13 Maintaining Insurance Company Details 2-34
  • 2.13.1 Viewing Insurance Company Summary 2-35
  • 2.14 Maintaining Insurance Types 2-36
  • 2.14.1 Viewing Insurance Type Summary 2-37
  • 2.15 Collaterals Maintenance 2-37
  • 2.15.1 Specifying the Insurance Details 2-43
  • 2.15.2 Specifying Covenant Details 2-45
  • 2.15.3 Specifying Shared Details 2-47
  • 2.15.4 Linking Contract as Collaterals 2-48
  • 2.15.5 Maintaining UDE Values 2-49
  • 2.15.6 Maintaining Source Restrictions 2-51
  • 2.15.7 Maintaining Haircut Schedules 2-51
  • 2.15.8 Maintaining Field Investigation Details 2-53
  • 2.15.9 Maintaining Valuation Details 2-54
  • 2.15.10 Maintaining External Check Details 2-55
  • 2.15.11 Maintaining Legal Opinion 2-56
  • 2.15.12 Risk Evaluation Details 2-57
  • 2.15.13 Collateral Perfection Details 2-58
  • 2.16 Maintaining Specific Collateral Input Details 2-60
  • 2.16.1 Property Details screen 2-60
  • 2.16.2 Vehicle Details screen 2-63
  • 2.16.3 Marketable Securities screen 2-64
  • 2.16.4 Plant and Machinery screen 2-67
  • 2.16.5 Life Insurance Details screen 2-69
  • 2.16.6 Precious Metal screen 2-71
  • 2.16.7 Guarantee Details screen 2-73
  • 2.16.8 Miscellaneous screen 2-75
  • 2.17 Collateral Pool Maintenance 2-76
  • 2.17.1 Creating Collateral Pool Linkages 2-78
  • 2.18 Maintaining Line Code details 2-81
  • 2.19 Facilities Maintenance 2-82
  • 2.19.1 Maintaining Facility Event Details 2-90
  • 2.19.2 Maintaining Fee Details 2-92
  • 2.19.3 Maintaining Limit Schedules 2-93
  • 2.19.4 Specifying Covenant Details 2-96
  • 2.19.5 Tracking Exposure for a Line 2-98
  • 2.19.6 Capturing Facility Main Line Change Maintenance Details 2-99
  • 2.19.7 Capturing Facility Maintenance Charges Details 2-100
  • 2.19.8 Capturing UDE Details 2-101
  • 2.19.9 Maintaining Collateral Pool Linkages 2-102
  • 2.19.10 Maintaining Restrictions for a Line 2-104
  • 2.19.11 Maintaining Customer Restrictions for a Line 2-106
  • 2.19.12 Defining Tenor Based Restrictions 2-107
  • 2.19.13 Maintaining Source Restrictions 2-110
  • 2.19.14 Maintaining Mandate Details 2-111
  • 2.19.15 Comments on Facility 2-112
  • 2.19.16 Including Netting Amount in Facility’s Netting Contribution 2-113
  • 2.19.17 Viewing Previous Credit Limit Changes 2-113
  • 2.20 Maintaining User Data Restriction 2-115
  • 2.20.1 Category Restrictions Tab 2-116
  • 2.20.2 Liability Restrictions Tab 2-117
  • 2.20.3 Source Restrictions Tab 2-117
  • 2.20.4 Currency Restrictions Tab 2-118
  • 2.21 Viewing User Data restriction 2-119
  • 2.22 Track Exposure Maintenance 2-120
  • 2.22.1 Maintaining Value Date Exposure Details 2-123
  • 2.22.2 Viewing Exposure Records 2-124
  • 2.23 Exposure Analysis 2-126
  • 2.24 Exposure Dashboard 2-131
  • 2.24.1 Account/Contract Balance Maintenance for Netting 2-132
  • 2.25 Ear Marking Maintenance 2-134
  • 2.26 Global Block Exposure Maintenance 2-135
  • 2.26.1 Additional Information 2-137
  • 2.27 Limit Block Maintenance 2-137
  • 2.28 Exception Queue Maintenance 2-143
  • 2.29 Exception Queue Slab Maintenance 2-144
  • 2.30 Maintaining Sector and Industry 2-145
  • 2.31 Global Exposure Parameter Details 2-146
  • 2.32 Facilities Amount Transfer Maintenance 2-150
  • 2.33 Force Collateral Revaluation 2-152
  • 2.34 Multi Authorization Maintenance 2-153
  • 2.35 Dual Authorization of Utilization Transaction 2-155
  • 2.36 Merging Liabilities 2-156
  • 2.36.1 Liability Merger Maintenance 2-156
  • 2.36.2 Liability Merger Process 2-158
  • 2.37 Maintaining Rule Criteria Code 2-159
  • 2.37.1 Viewing Rule Code Criteria 2-161
  • 2.38 Defining Alerts 2-162
  • 2.38.1 Preferences Tab 2-167
  • 2.38.2 Target Tab 2-167
  • 2.38.3 Message Tab 2-168
  • 2.39 Viewing Alerts 2-170
  • 2.40 Defining Alert Selection Criteria 2-171
  • 2.40.1 Viewing Alert Criteria Definition Summary 2-172

    • 3. Credit Desktop 3-1

  • 3.1 Introduction 3-1
  • 3.2 Credit Desktop 3-1
  • 3.2.1 Search Results 3-3
  • 3.2.2 Additional Information 3-3
  • 3.2.3 Comments Tab 3-4
  • 3.2.4 Report Types 3-4

    • 4. Queries 4-1

  • 4.1 Liabilities Query 4-1
  • 4.2 Liability History 4-3
  • 4.3 Utilization Transaction Query 4-4
  • 4.4 Covenants Queries 4-5

    • 5. Reports 5-1

  • 5.1 Generating Reports 5-2
  • 5.2 Over Drawn Lines Report 5-2
  • 5.2.1 Contents of the Report 5-2
  • 5.3 Utilizations Report Date Wise Report 5-4
  • 5.3.1 Contents of the Report 5-5
  • 5.4 Collateral Details Report 5-6
  • 5.4.1 Contents of the Report 5-7
  • 5.5 Pool Linkage Report 5-7
  • 5.5.1 Contents of the Report 5-8
  • 5.6 Credit Movement Report 5-9
  • 5.6.1 Contents of the Report 5-10
  • 5.7 Limit Details Report 5-12
  • 5.7.1 Contents of the Report 5-13
  • 5.8 Line Summary Report 5-14
  • 5.8.1 Contents of the Report 5-14
  • 5.9 Exception Report 5-15
  • 5.9.1 Contents of the Report 5-16
  • 5.10 Bank Wide Clean Risk Tracking Report 5-17
  • 5.10.1 Contents of the Report 5-18
  • 5.11 Collateral Utilization of Credit Lines 5-19
  • 5.11.1 Contents of the Report 5-20
  • 5.12 Collateral Utilization of Collateral Party 5-20
  • 5.12.1 Contents of the Report 5-21
  • 5.13 Country Exposure Report 5-22
  • 5.14 Country Utilization Report 5-24
  • 5.14.1 Contents of the report 5-25
  • 5.15 Credit Rating Report 5-25
  • 5.15.1 Contents of the report 5-26
  • 5.16 Credit Lines by Maturity Date 5-27
  • 5.16.1 Contents of the report 5-27
  • 5.17 Exposure Details Report 5-28
  • 5.17.1 Contents of the report 5-29
  • 5.18 Foreign Exchange Clean Risk Report 5-30
  • 5.18.1 Contents of the report 5-31
  • 5.19 Issuer Details 5-31
  • 5.19.1 Contents of the report 5-32
  • 5.20 Issuer Exposure Report by Security 5-33
  • 5.20.1 Contents of the report 5-33
  • 5.21 Issuer Exposure Report by Collateral Type 5-35
  • 5.21.1 Contents of the Report 5-35
  • 5.22 Liability Summary Report 5-36
  • 5.22.1 Contents of the report 5-37
  • 5.23 Limit Tenor Restriction Details Report 5-38
  • 5.23.1 Contents of the report 5-38
  • 5.24 Limits Tenor Wise Details Report 5-39
  • 5.24.1 Contents of the Report 5-40
  • 5.25 Line Details Report 5-41
  • 5.25.1 Contents of the report 5-42
  • 5.26 Movement to Non Revolving Lines 5-43
  • 5.26.1 Contents of the report 5-44
  • 5.27 Pool Utilization Report 5-44
  • 5.27.1 Contents of the report 5-45
  • 5.28 Product Exposure Report 5-46
  • 5.28.1 Contents of the report 5-47
  • 5.29 Securities Details Report 5-47
  • 5.29.1 Contents of the report 5-48
  • 5.30 Utilization Report 5-49
  • 5.30.1 Contents of the report 5-49

    • 6. Annexure 1 - Utilization Transactions 6-1

  • 6.1 New Utilization 6-1
  • 6.1.1 Input Utilization 6-2
  • 6.1.2 Validations for a New Utilization Process 6-6
  • 6.1.3 Authorize Utilization 6-7
  • 6.1.4 Delete Utilization 6-8
  • 6.1.5 Technical Undo (Special Delete) 6-9
  • 6.2 Increase/Decrease Utilization 6-9
  • 6.2.1 Validations for Modify Utilization Process 6-11
  • 6.3 Alter Utilization 6-11
  • 6.3.1 Input Alter Utilization 6-12
  • 6.4 Reverse Utilization 6-16
  • 6.4.1 Input Reverse Utilization 6-16
  • 6.5 Set Balance of Utilization Transaction 6-19
  • 6.6 Query Utilization 6-21
  • 6.7 Mature Utilization Transaction 6-22
  • 6.8 Utilization Transaction Screen 6-24
  • 6.9 Reconciliation of Utilization Transactions 6-26
  • 6.10 Increasing/Decreasing Utilizations 6-27
  • 6.11 Linking an Utilization Transaction to a Facility 6-28
  • 6.11.1 Collateral Pool Utilization Transaction Process 6-30
  • 6.11.2 Utilization Transaction Status 6-30
  • 6.12 Global Utilization Tracking of Limits 6-33
  • 6.12.1 Utilization Tracking 6-33
  • 6.12.2 Global Utilization Exception Summary 6-34

    • 7. Annexure 2 - Value Dated Facility 7-1

  • 7.1 Introduction 7-1
  • 7.2 Value Date Based Facility Maintenance 7-1
  • 7.2.1 Value Date Based Utilization Processing 7-1
  • 7.2.2 EOD Processing 7-2
  • 7.3 Value Date Based Fee Processing 7-5
  • 7.3.1 Maintaining Rule 7-5
  • 7.3.2 Maintaining Fee Class 7-6
  • 7.3.3 Accounting Entries for facility 7-10

    • 8. Annexure 3 – Revaluation 8-1

  • 8.1 Currency Revaluation 8-1
  • 8.1.1 Facility Currency and Utilization Currency 8-1
  • 8.1.2 Facility Currency and Collateral Currency 8-3
  • 8.2 Collateral Revaluation 8-5
  • 8.2.1 Collateral Revaluation of Market Based Securities 8-5
  • 8.2.2 Collateral Revaluation of Non-Market Based Securities 8-9

    • 9. Annexure 4 - Gateway Processes & Interfaces 9-1

  • 9.1 Gateway Online Process 9-1
  • 9.1.1 Maintenance Transactions 9-1
  • 9.1.2 Utilization Transactions 9-2
  • 9.1.3 Batch Process 9-2
  • 9.1.4 Reprocessing Locked Online Transactions 9-2
  • 9.1.5 Technical undo (Functional Rollback) 9-3
  • 9.2 Gateway Batch Process 9-3
  • 9.2.1 Batch Inbound Process 9-3
  • 9.2.2 Batch Outbound Process 9-4
  • 9.3 Interfaces 9-4

    • 10. EOD-BOD Batches 10-1

    11. Notifications 11-1

    12. Function ID Glossary 12-1