4.2 Proposal Enrichment - Customer Info

This data segment allows you to configure the party details and add child parties to the party.

Figure 4-7 Customer Info


Description of Figure 4-7 follows
Description of "Figure 4-7 Customer Info"

Click Action button on the right to perform the following actions:
  • Add Customer (not applicable for Joint party)
  • Configure
  • View
  • Quick View
  • Delete (Not applicable for parent entity)

Note:

For information on performing Add Customer, View, and Quick View actions, refer Existing Facilities section in Proposal Initiation chapter.
To configure the party / child party, click on the party / child party icon and click Configure. The Party Details window is displayed.

Figure 4-8 OFFSS Party Details


Description of Figure 4-8 follows
Description of "Figure 4-8 OFFSS Party Details"

Customer Profile

For information on fields in the Party Details screen, refer the table below.

Table 4-1 Demographic Details- Basic Info

Fields/Icon Description
Company Details Enter or select the following details in the corresponding fields:
  • Registration Number
  • Organization Name
  • Organization Type
  • Short Name
  • Branch Code
  • Entity Type
  • Customer Category
  • Classification Type
  • Demographic Type
  • Country of Incorporation
  • Country of Risk
  • Place of Incorporation
  • Incorporation Date
  • Established Date
  • Upload Logo
  • RM Id
  • Customer Access Group
  • Country of Tax
  • Tax Identification Number
  • Goods and Services Tax Id
  • Company Website
  • Facebook URL
  • Twitter URL
  • Employee Strength
  • No. Of Years In Business
  • No. Of Companies in the Group
Is Special Customer? Enable Is Special Customer? option, if the party is special customer.
Is Blacklisted? Enable Is Blacklisted? option, if the party is blacklisted.
Is KYC Compliant? Enable Is KYC Compliant? option, if the party is KYC Compliant.
Last KYC Date Click Calendar icon and select Last KYC Date.
Listed Company If the party is listed, then enable Listed Company option.
Language Select Language from the drop-down list.
Media Search and select Media for transactions.

Table 4-2 KYC Details

Fields/Icon Description
Received Enable Received option, if KYC verification details are received for the party.
KYC Verification Date and Effective Date Click Calendar icon and select KYC Verification Date and Effective Date.
Verification Method Enter the KYC Verification Method. For example, Field verification.
Save Click Save to save the details.
  1. To add the party address details in Demographic Details screen, click Address tab and then click + icon.
    The Add Address window is displayed.

    Figure 4-9 Add Address


    Description of Figure 4-9 follows
    Description of "Figure 4-9 Add Address"

    For information on fields in the Add Address screen, refer the table below.

    Table 4-3 Add Address

    Fields/Icon Description
    Address Details Enter or select the following details in the corresponding fields:
    • Address Type
    • Location
    • Preferred
    • Address from- Address To
    • Address Line 1/ Building Name
    • Address Line 2/ Street Name
    • Address Line 3/ City/ Town Name
    • State/ Country Sub Division
    • Country
    • Zip Code/ Post Code
    Additional Info Click Additional Info. The following options are displayed. Enter the details in the below fields:
    • Department
    • Sub Department
    • Building Number
    • Floor
    • Post Box
    • Room
    • Town Location Name/ Locality
    • Direct Name
    • Landmark
    • Contact name/ Narrative
    Media The followings fields are displayed.
    • Email
    • Swift
    • Phone
    • Fax
    • Swift
    • FAX
    • Swift
    Save Click Save. Address details are added.
  2. To view Rating in Demographic Details screen, click Rating.
    The Rating window is displayed with Credit Rating details for below fields.
    • Year
    • Rating Date
    • Outlook
    • Agency
    • Rating
    • Actions

    Figure 4-10 Rating


    Description of Figure 4-10 follows
    Description of "Figure 4-10 Rating"

  3. Click +, to add new rating. The Add Rating screen is displayed.

    Figure 4-11 Add Rating


    Description of Figure 4-11 follows
    Description of "Figure 4-11 Add Rating"

    For information on fields in the Add Rating screen, refer the table below.

    Table 4-4 Add Rating

    Fields/Icon Description
    Rating Date Search and select Rating Date.
    Outlook Select Outlook from drop-down list:
    • Positive
    • Neutral
    • Negative
    Year of Rating Year of Rating is displayed by default.
    Risk Rating Select Risk Rating from the below list:
    • BBB
    • BBB+
    • A-
    • A+
    • AA-
    • AA
    • AA+
    • CCC+
    • B-
    • B
    • BB+
    • AAA
    • BBB-
    Rated By Select Rated By from the below list:
    • MRS
    • Moodys
    • S and P
    • Fitch
  4. Click Business in Customer Profile to view the party’s business details. The Business Details screen is displayed with Business details information and Industry details.

    Figure 4-12 Business Details


    Description of Figure 4-12 follows
    Description of "Figure 4-12 Business Details"

    Click + to add new Industry. For more information about adding new industry refer Industries> Add Industry in Creating Application

  5. Click Market Share in Customer Profile to view the market share details. The Market Share screen is displayed with Business details information and Industry details.

    Figure 4-13 Market Share


    Description of Figure 4-13 follows
    Description of "Figure 4-13 Market Share"

    Click Market Share to add Market Share. The Market Share window is displayed.

    Figure 4-14 Market Share


    Description of Figure 4-14 follows
    Description of "Figure 4-14 Market Share"

    For information on fields in the Market Share screen, refer the table below.

    Table 4-5 Market Share

    Fields/Icon Description
    Year Enter Year for the market share.
    MarketShare Percent Enter MarketShare Percent. Select Decrement and Increment drop-down list option on right to increase or decrease the MarketShare Percent.
    Currency Search and select Currency.
    Sales Enter Sales for market share.
    Growth Percent Enter Growth Percent. Select Decrement and Increment drop-down list option on right to increase or decrease the Growth Percent.
    Add Click Add to add the market share.
    Clear Click Clear to remove the market share.
    Save Click Save to save the market share.

    Note:

    To Edit, Delete or View the added Basic Info, Address, and Rating. click Action icon in the required list item and select the required option.

Financial Profile

  1. To Upload / Add party’s financial details, click Financial Profile in left menu.
    The Financial profile screen is displayed.

    Figure 4-15 Financial profile


    Description of Figure 4-15 follows
    Description of "Figure 4-15 Financial profile"

    Click Add icon. The Add Financial Profile window is displayed.

    Figure 4-16 Add Financial Profile


    Description of Figure 4-16 follows
    Description of "Figure 4-16 Add Financial Profile"

    For information on fields in the Add Financial Profile screen, refer the table below.

    Table 4-6 Add Financial profile

    Fields/Icon Description
    Year Specify Year for which the party’s financial details are to be added.
    Details Specify the following details in the corresponding fields:
    • Balance Sheet Size and currency from drop-down list
    • Operating Profit and currency from drop-down list
    • Net Profit and currency from drop-down list
    • Year Over Year Growth
    • Return On Investment
    • Return On Equity
    • Return On Asset
    • Capital Adequacy Ratio
    • Cost to Income ratio
    • Equity
    • Gross Impaired Loans
    • Liquid assets
    • Loan Loss Res / Impaired Loans
    • Loan-to-Deposit Ratio
    • NPA coverage ratio
    • NPA ratio
    • Return on Avg Equity
    • Return on Avg Assets
    • Tier 1 CAR
    • Total Assets
    • Unreserved Equity
    Save Click Save. Party’s financial details are added.
  2. To add financial documents, click Upload Financial Document.
    The Financial Documents window is displayed.

    Figure 4-17 Financial Documents


    Description of Figure 4-17 follows
    Description of "Figure 4-17 Financial Documents"

    In the Financial Documents window, the user can Add the following documents by clicking respective tabs.
    • Balance Sheet
    • Profit & Loss Statement
    • Cash Flow Statement

    Click Add in any of the above tabs, the following window to upload documents is displayed.

    Figure 4-18 Balance Sheet Details


    Description of Figure 4-18 follows
    Description of "Figure 4-18 Balance Sheet Details"

    For information on fields in the Balance Sheet Details screen, refer the table below.

    Table 4-7 Balance Sheet Details

    Fields/ Icons Description
    Period Select Period for which the financial document is to be added.
    Quarter Select Quarter for which the financial document is to be added.
    Drop files here or click to select In Drop files here or click to select section, drag and drop or click and upload the financial document.
    Add Click Add. Document is added.
    Chart view In the Financial Profile screen, click Chart view icon to change the List view to Chart view.

Projections

  1. To Upload / Add projection details, click Projections from the left menu and then click the Add icon.
    The Projections window is displayed.

    Figure 4-19 Projections


    Description of Figure 4-19 follows
    Description of "Figure 4-19 Projections"

    For information on fields in the Projections screen, refer the below table.

    Table 4-8 Projections

    Fields/ Icons Descriptions
    Year Specify Year for which the party’s projection details are to be added.
    Currency Search and select Currency for the projection details.
    Details Specify the following details in the corresponding fields:
    • Balance Sheet Size
    • Operating Profit
    • Net Profit
    • Year Over Year Growth
    • Return On Investment
    • Return On Equity
    • Return On Asset
    Save Click Save. Party’s projection details are added.
  2. To add projection documents, click Upload Projection Document.
    The Projection Documents window is displayed.

    Figure 4-20 Projection Documents


    Description of Figure 4-20 follows
    Description of "Figure 4-20 Projection Documents"

    In the Projection Documents window, the user can Add the following documents by clicking respective tabs.

    • Balance Sheet
    • Profit & Loss Statement
    • Cash Flow Statement

    Click + in any of the above tabs, the following window to upload documents is displayed.

    Figure 4-21 Balance Sheet Details


    Description of Figure 4-21 follows
    Description of "Figure 4-21 Balance Sheet Details"

    For information on fields in the Balance Sheet Details screen, refer the table below.

    Table 4-9 Balance Sheet Details

    Fields/Icons Description
    Year Select Year for which the projection document is to be added.
    Quarter Select Quarter for which the projection document is to be added.
    Drop files here or click to select In Drop files here or click to select section, drag and drop or click and upload the projection document.
    Add Click Add. Document is added.
    Chart view In Business Projection screen, click Chart view icon to change the List view to Chart view.

    Note:

    To Edit, Delete or View the added Projections. Click Action icon in the required list item and select the required option.

Stakeholders

The user can add information about the following stakeholders by clicking the Stakeholders menu:

  • Owners
  • Authorized Signatories
  • Guarantors
  • Suppliers
  • Bankers
  • Insurers
  • Buyers
  • Management Team
  • Sponsors
  • Debtors
  • Creditors
  • Advisor
  • Auditors
  • Directors
  • Contractors
  • Shareholders
  • Customers

Figure 4-22 Stakeholders


Description of Figure 4-22 follows
Description of "Figure 4-22 Stakeholders"

To Add Owners

Click + to add new owners. The Add Owners screen is displayed with following options:
  • Enter existing CIF/Party Id or
  • Select from the recently added stakeholders or
  • Click Next to onboard a new stakeholder

Figure 4-23 Add Owners


Description of Figure 4-23 follows
Description of "Figure 4-23 Add Owners"

To Enter Existing CIF/Party Id

Specify Enter CIF/Party Id or click search, the Search Party screen is displayed.

Select Individual or Non-Individual check box. Enter the field details or click Fetch. The Stakeholders details are displayed.

Figure 4-24 Add New Owners- Search Party


Description of Figure 4-24 follows
Description of "Figure 4-24 Add New Owners- Search Party"

Select from the Recently Added Stakeholders

Select Recently Added Stakeholder from the drop-down list.

Select Next to onboard a new stakeholder

Click Next, the Add New Owners screen is displayed. Select Stakeholder Type and enter the field details for the below fields and click Next.
  • Basic info & Citizenship
  • ID Details
  • Address

Figure 4-25 Add New Owners


Description of Figure 4-25 follows
Description of "Figure 4-25 Add New Owners"

Figure 4-26 Stakeholders


Description of Figure 4-26 follows
Description of "Figure 4-26 Stakeholders"

  1. To add sponsor details, click Sponsors from the left menu and then click Add.
    The Sponsors window is displayed.

    Figure 4-27 Sponsors


    Description of Figure 4-27 follows
    Description of "Figure 4-27 Sponsors"

    For information on fields in the Sponsors screen, refer the below table.

    Table 4-10 Sponsors

    Fields/Icon Description
    Individual If the sponsor is an Individual, select or type the following sponsor details in the corresponding fields:
    • Promoter Type (select Individual option)
    • Name
    • Age
    • Experience Summary
    • Designation
    • Role
    • Stake Percentage
    • Associated Since
    • Education Qualification
    Corporate If the sponsor is an Entity, select or type the following sponsor details in the corresponding fields:
    • Promoter Type (select Corporate option)
    • Name
    • Stake Percentage
    • Associated Since
  2. Click and expand the Address details section.

    Figure 4-28 Address details


    Description of Figure 4-28 follows
    Description of "Figure 4-28 Address details"

    Detailed information about the fields in Address details screen refer the table below.

    Table 4-11 Address details

    Fields/ Icons Description
    Details Enter or select the following details in the corresponding fields:
    • House/Building name
    • Street
    • Locality
    • Landmark
    • Area
    • City
    • State
    • Zip-Code
    • Country
    • Email Address
    • Phone Number
    Add Click Add. Sponsor details are added.

    Note:

    To Edit, Delete or View the added Sponsors. Click Action icon in the required list item and select the required option.

    Note:

    For information on adding Share holders, Directors, Management Team, Bankers, Guarantors, Party's, and Suppliers detail, refer Economic Dependency Analysis User Manual.

Assets

  1. To add asset details, click Assets from the left menu and then click Add.
    The Assets window is displayed.

    Figure 4-29 Assets


    Description of Figure 4-29 follows
    Description of "Figure 4-29 Assets"

    Figure 4-30 Add Assets Details


    Add Assets Details

    For information on fields in the Assets screen, refer the table below.

    Table 4-12 Assets

    Fields/Icon Description
    Name Enter Name of the Asset.
    Value Specify the asset Value and select currency from the drop-down list.
    Description Enter Description of the Asset.
    Save Click Save. Asset details are added.

    Note:

    To Edit, Delete or View the added Assets. Click Action icon in the required list item and select the required option.

    Customer Covenants

    Refer Covenants Details section for information on adding and managing covenants for the party.

    Customer Conditions

    Refer Conditions section for information to configure conditions for the party.

    Customer Documents

  2. To add party documents, click Customer Documents from the left menu and then click Add New Documents. Enter the fields in Document page and click Upload.
    The Customer Documents window is displayed below.

    Figure 4-31 Customer Documents


    Description of Figure 4-31 follows
    Description of "Figure 4-31 Customer Documents"

    Figure 4-32 Add New Documents


    Description of Figure 4-32 follows
    Description of "Figure 4-32 Add New Documents"

    Exposures

    Table 4-13 Exposures

    Fields/ Icons Description
    Exposures To add the exposure details of the entity, click Exposures in the left menu. The Country Exposure and Currency Exposure sub-menus are displayed.
    Country exposure Click Country exposure and then click the add icon. The Country Dependency Details window is displayed.

    Figure 4-33 Country Dependency Details


    Description of Figure 4-33 follows
    Description of "Figure 4-33 Country Dependency Details"

    Search and select the Country and its Currency.

    Country Wise Data

    For information on fields in the Country Wise Data screen, refer the table below.

    Table 4-14 Country Wise Data

    Fields/Icon Description
    Country and Currency Search and select Country and its Currency.
    Sales Specify amount of Sales recorded in the selected country.
    Purchase Specify amount of Purchase made from the selected country.
    Investments Specify amount of Investments made in the selected country.
    Loans Specify amount of Loans received from the selected country.
    Deposits Specify amount of Deposits made in the selected country.

    Country Wise Business Operations

    Figure 4-34 Country Wise Business Operations


    Description of Figure 4-34 follows
    Description of "Figure 4-34 Country Wise Business Operations"

    For field level information refer the table below.

    Table 4-15 Country Wise Business Operations

    Fields/Icon Description
    Market Share Percentage Specify entity’s Market Share Percentage in selected country.
    Presence for Years Specify entity’s Presence for Years in selected county.
    Major Products Sold Specify Major Products Sold by the entity in the selected country.
    Associated Since Specify date on which association between entity and selected country is established in the Associated Since field.

    Sales Breakup

    In this section, the user must add details of all the entity’s party in the selected country.

    Figure 4-35 Sales Breakup


    Description of Figure 4-35 follows
    Description of "Figure 4-35 Sales Breakup"

    Click +. The Sales Breakup window is displayed.

    Figure 4-36 Sales Breakup


    Description of Figure 4-36 follows
    Description of "Figure 4-36 Sales Breakup"

    For information on fields in the Sales Breakup screen, refer the table below.

    Table 4-16 Sales Breakup

    Fields/Icon Description
    Customer Specify Customer of the entity.
    Sales Amount Specify Sales Amount recorded for the specified party.
    Percentage of Total Sales Specify Percentage of Total Sales recorded for the specified party.
    Major Product Sold Specify Major Product Sold to the specified party.
    Debtor Days Specify Debtor Days for the specified party.
    Associated Since In the Associated Since field, search and select the date on which association between the entity and its party is established.
    Country Search and select Country for the specified party.
    Save Click Save. Sales breakup is added and displayed in the Sales Breakup section.
    Edit or Delete To Edit or Delete the added sales breakup, select the record and click the respective icon.

Purchase Breakup

In this section, the user must capture details of all the entity’s suppliers in the selected country.

Click + icon. The Purchase Breakup window is displayed.

Figure 4-37 Purchase Breakup


Description of Figure 4-37 follows
Description of "Figure 4-37 Purchase Breakup"

For information on fields in the Purchase Breakup screen, refer the table below.

Table 4-17 Purchase Breakup

Fields/Icons Description
Supplier Specify the name of Supplier.
Purchase Amount In the Purchase Amount field, specify the amount of products or services purchased by the entity from the supplier.
Percentage of Total Purchases Specify Percentage of Total Purchases from the supplier.
Major Product Bought Specify Major Product Bought by the entity from the supplier.
Creditor Days Specify Creditor Days for the supplier.
Associated Since In the Associated Since field, search and select the date on which association between the entity and its supplier is established.
Country Search and select Country.
Save Click Save. Purchase breakup is added and displayed in the Purchase Breakup section.
Edit or Delete To Edit or Delete the added purchase breakup, select the record and click the respective icon.

  1. In the Country Dependency Details window, click Save. The details are added and displayed in Exposures screen.
  2. To capture the currency dependency details, click the Currency Exposure sub menu.
    The Currency Dependency Details window is displayed.

    Figure 4-39 Currency Dependency Details


    Description of Figure 4-39 follows
    Description of "Figure 4-39 Currency Dependency Details"

    For information on fields in the Currency details screen, refer the table below.

    Table 4-18 Currency details

    Fields/Icon Description
    Currency Search and select Currency.
    Sales Amount Specify your party's Sales Amount in the selected currency.
    Sales Percentage Specify your party's Sales Percentage with respect to the selected currency.
    Purchase Amount Specify your party's Purchase Amount in the selected currency.
    Purchase Percentage Specify your party's Purchase Percentage with respect to the selected currency.
    Loan Amount Specify the Loan Amount availed by your party in the selected currency.
    Loan Percentage Specify your party's Loan Percentage with respect to the selected currency.
    Investment Amount Specify your party's Investment Amount in the selected currency.
    Investment Percentage Specify your party's Investment Percentage with respect to the selected currency.
    Deposit Amount In the Deposit Amount field, specify the amount deposited by your party in the selected currency.
    Deposit Percentage In the Deposit Percentage field, specify the percentage of amount deposited by your party in the selected currency.

    Hedging Details

    Figure 4-40 Hedging Details


    Description of Figure 4-40 follows
    Description of "Figure 4-40 Hedging Details"

    For information on fields in the Hedging Details screen, refer the table below.

    Table 4-19 Hedging Details

    Fields/ Icons Description
    Credit Outstanding Specify Credit Outstanding amount in the selected currency.
    Debit Outstanding Specify Debit Outstanding amount in the selected currency.
    Variance On entering the Credit and Debit Outstanding amounts, the system calculates and displays the Variance.
    Hedging required Enable Hedging required option, if hedging is required.

    Future Currency Requirement - Loan Repayment

    Figure 4-41 Future Currency Requirement - Loan Repayment


    Description of Figure 4-41 follows
    Description of "Figure 4-41 Future Currency Requirement - Loan Repayment"

    For information on fields in the Future Currency Requirement - Loan Repayment screen, refer the below table.

    Table 4-20 Future Currency Requirement - Loan Repayment

    Fields/ Icons Descriptions
    Outstanding Loan Amount Specify your party's Outstanding Loan Amount in selected currency.
    Repayment in Current Year In the Repayment in Current Year field, specify the loan amount to be repaid in the current year.
    Repayment in Next 3 Years In the Repayment in Next 3 Years field, specify the loan amount to be repaid in next three years.

    Future Currency Requirement - Creditor Payment

    Figure 4-42 Future Currency Requirement - Creditor Payment


    Description of Figure 4-42 follows
    Description of "Figure 4-42 Future Currency Requirement - Creditor Payment"

    For information on fields in the Future Currency Requirement - Creditor Payment screen, refer the table below.

    Table 4-21 Future Currency Requirement - Creditor Payment

    Fields/Icon Description
    Outstanding Amount Specify Outstanding Amount to be paid by your party to their creditor in selected currency.
    0-30 days Specify outstanding amount to be paid in 0-30 days.
    30-60 days Specify outstanding amount to be paid in 30-60 days.
    60-90 days Specify outstanding amount to be paid in 60-90 days.
    90-120 days Specify outstanding amount to be paid in 90-120 days.
    120-150 days Specify outstanding amount to be paid in 120-150 days.
    150-180 days Specify outstanding amount to be paid in 150-180 days.
    More than 180 days Specify outstanding amount to be paid after 180 days in the More than 180 days field.

    Future currency credit - Debtor payment

    Figure 4-43 Future currency credit - Debtor payment


    Description of Figure 4-43 follows
    Description of "Figure 4-43 Future currency credit - Debtor payment"

    For information on fields in the Future currency credit - Debtor payment screen, refer the table below.

    Table 4-22 Future currency credit - Debtor payment

    Fields/Icon Description
    Outstanding Amount Specify Outstanding Amount to be paid by your party's debtor in the selected currency.
    0-30 days Specify outstanding amount to be received in 0-30 days.
    30-60 days Specify outstanding amount to be received in 30-60 days.
    60-90 days Specify outstanding amount to be received in 60-90 days.
    90-120 days Specify outstanding amount to be received in 90-120 days.
    120-150 days Specify outstanding amount to be received in 120-150 days.
    150-180 days Specify outstanding amount to be received in 150-180 days.
    More than 180 days Specify outstanding amount to be received after 180 days in the More than 180 days field.

    Future Currency Credit - Interests

    Figure 4-44 Future Currency Credit - Interest


    Description of Figure 4-44 follows
    Description of "Figure 4-44 Future Currency Credit - Interest"

    For information on fields in the Future Currency Credit - Interest screen, refer the table below.

    Table 4-23 Future Currency Credit - Interest

    Fields/Icon Description
    Investment amount interests In the Investment amount interests field, specify the interest to be received for the amount invested in selected currency.
    Interest expected in current year In the Interest expected in current year field, specify the interest to be received in the Current year.
    Interest expected in next 3 years In the Interest expected in next 3 years field, specify the interest to be received in the next 3 Years.
    Save Click Save in the Currency Dependency Details window. The details are saved and displayed in Currency Dependency Details page.
    Edit, Delete and View To Edit, Delete and View the added currency exposure details, select the record and click the respective icons or click the Hamburger icon and select the corresponding option.
    OK Click OK in the Party Details window.
    Next To go to the next page, click Next. The Write up page is displayed.

Parent topic: Proposal Enrichment