Account Based Report

This report shows amortization measures at the account level. The report is sorted based on account numbers. Users can select Customer ID or Account Number in the global filters to get data about the respective account. These reports can be viewed as Standalone or Consolidated reports.

The user must select As of Month in the global filter, which refers to the month-end date. In the report:

• The As of Date column represents the month-end date or the date when an account undergoes modification or derecognition.
• The Effective Interest Rate column shows the As of Date Effective Interest Rate (EIR).
• The Derecognised Account and Modified Account columns represent the flag i.e., Y means the event is happened and N means event did not occur.
• The Count of Account Derecognition and Count of Account Modification columns indicate the number of times an account has been derecognized or modified since its inception.

Figure 7-78 Account Based Report Standalone

Figure 7-79 Account Based Report Consolidated

Use cases involving complex scenarios like modification, derecognition, and partial sale are addressed through the effective yield amortization. Consequently, the following columns will populate values only when the effective yield amortization is selected;

• Effective Interest Rate Used For Amortization
• EIR Interest
• EIR Interest Adjustment
• Count of Modification Event
• Modification Gain/Loss
• Derecognised Account
• Count of Derecognisation Event
• Extinguishment Gain/Loss
• Modification Gain/Loss Adjustments
• Modification Gain/Loss Balance
• Modification Gain/Loss_MTD
• Extinguishment Gain/Loss_MTD
• Current Unwinding Interest
• Unwinding Interetst Till Day
• Unwinding Interest Adjustment
• OCI Accumulated Balance
• Final Amortised Cost
• Proportional Amortised Cost Sold
• Gain/Loss on Sale
• OCI Balance Adjusted
• Final OCI Accumulated Balance
• ECL Interest after PL Impact
• Amortized Cost Adjustment