Model Bank

Retail Banking
Pre-Sales Demo User Guide

(R23 AMR)

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Presales User Guide

Table of Contents

Table of Contents ............................................................................................................................... 2

Document History ............................................................................................................................... 3
Introduction............................................................................................................................. ...................4
General Guidelines....................................................................................................................................4
Retail Operations.......................................................................................................................................4
Top 10 Retail Customers ..................................................................................................................... 5
List of Accounts/Contracts for the Top 10 customers................................................................................6
Single Customer View ......................................................................................................................... 7
Retail Agent Customers ...................................................................................................................... 8
Retail Small and Medium Enterprise (SME) Customers ......................................................................... 8
New Features in R23 AMR release ...................................................................................................... 9
Risk Free Rate (RFR) feature enhanced .............................................................................................. 9
New Property/Properties can be added to existing products .................................................................. 9
Limits in Multi Currency Accounts ........................................................................................................ 9
Break Cost Fee in Deposit Early Redemption ..................................................................................... 10
Notice Account Features Enhanced ................................................................................................... 10
Payment Holiday features enhanced .................................................................................................. 10
Cooling period using Closure Property Class ...................................................................................... 11
Evaluate Activity Restriction at Payment Order level ........................................................................... 11
Account Closure Feature enhanced ................................................................................................... 11
AA Simulation enhancements ............................................................................................................ 11

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Document History

Author Version Date

Sivakumar V 0.1 09-Mar-2023

Srividhya C 0.2 13 Mar 2023

Sivakumar V 0.3 16-Mar-2023

Srividhya C 1.0 17-Mar-2023

Comments:

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Introduction

“Model Bank Reference System” is released with demo data to enable the Pre-Sales to demonstrate T24
Model bank functionality.
It is pre-configured with Role Based Home Pages, Dashboards, Business Processes, Products, Enquiries,
Reports and a host of other features.
This document is intended to aid Pre-Sales to understand the “demo data” available in Retail Model Bank and
choose the appropriate data set for demos. In addition, general guidelines to be followed for login and
navigations are detailed.

General Guidelines
While demonstrating the Retail Homepages, please login with the User Name/password provided for each
Role. The functionalities within the “Role Based Home Pages” will work properly only if you Sign On with
these Users.

Retail Operations

Roles USER NAME PASSWORD

Customer Service Agent CSAGENT 123456

Branch Operations Manager BRANCHMANAGER 123456

Teller TELLER1 123456

Head Teller HEADTELLER1 123456

Retail Credit Officer CREDITOFFICER 123456

Retail Credit Manager CREDITMANAGER 123456

Call Centre Agent CALLCENTRE 123456

Collections Agent COLLECTOR 123456

Collections Manager COLL.MANAGER 123456

Broker Admin BRAGENT 123456

Navigation/Screen Resolution
 Please avoid using the Command line while demonstrating enquiries, versions etc.,
instead use the Menu. Many of the enquiries/Versions etc., have drilldowns that work on
the CURRENT.VARIABLE concept. These variables get set only when a User drills down
from a parent enquiry.
 All screens and composites in Model Bank have been designed for 1366 X 768
resolutions. Kindly ensure to use Projectors that support this resolution as otherwise,
there will be lot of scrolling and some of the data may not be displayed within the screen.
 Proof and Publish AA Products after installing the Pack, if required and whenever any
changes to the Product condition records.

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Demo Data

Top 10 Retail Customers

The top customers can be extracted from ENQ TOP.CUSTOMERS.SCV.

When logging into CSAGENT user, the top customers are available in the login screen dashboard.

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List of Accounts/Contracts for the Top 10 customers

Enquiry ACCOUNT.DETAILS can be used to fetch the Account details for the top customers.

The Model bank Enquiry MB.CUS.DATA.OUTPUT can be used to fetch the details of customers account
balances, loan balances.

Retail-Top10-Custom
er-Demo AA details.xlsx

For the top customers, Cheque books, Stop payments, Alerts, Card, Blocked funds are available.

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Rolf Gerling (100336)

Anthony Bamford (100384)
Nayla Hayek (100387)
Martina Blank (100409)
Norman Garret Bamford (100410).
Further,
 Customer preferences are registered for all the Top Retail Customers
 Customer Documents/Images are captured for all the Top Customers
 KYC Documents are received and uploaded to all the Customer Products – Top 10
Customers.
 Agent Customer will have Agent Arrangement created.
 CR Opportunities are available for all the Customers.

Single Customer View

Single Customer provides a 360-degree view of the Customer. Any transactions related to the Customer
can now be initiated using this new SCV. The look and feel of the SCV is enhanced by adding few new
icons to indicate

 Cheque book issued –

 Stop Payment recorded -
 Posting Restriction recorded in an account -

 Hold funds -

 Card Issued (different icons for each supplier) -

 For Contact types, following icons are available to indicate

 Manual/Branch -

 Email -

 Phone -

 Call Center -

 Meeting -

 Text/SMS -

 Letter -

 Complaints -

 Card-

 Delinquent-

 Cropen-

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 Hold-

 Execute Activity

 Single Customer View

Retail Agent Customers

List of retail brokers can be found under the Enquiry ENQ AGENT.SCV or ENQ CUSTOMER with the account
officer 37. This provides the latest list of brokers available in the system.

Retail Small and Medium Enterprise (SME) Customers

SME Customers can be retrieved by running the Enquiry ENQ CUSTOMER with sector 2005. These
customers have
 One Current Account with balances ranging between 1,000 and 1,60,000
 One Loan in the range of 40,000 – 1,20,000
 One Deposit in the range of 45,000 – 60,000

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SME Accounts having Overdraft Facility (Line of Credit) can be identified by running the ENQUIRY
AA.FIND.ARRANGEMENT.AL with the Product as LOC.PERCENTAGE. Given below is a sample record of
the same.

New Features in R23 AMR release

Risk Free Rate (RFR) feature enhanced
Temenos Transact now supports the Non-Cumulative Compounded Rate (NCCR) option for RFR Calc
Method in Interest Property Conditions. This method is more accurate when there are changes in the principal
within a given interest period. It helps to prorate the accrued interest for the reduced principal amount without
repaying the entire accrued interest on the loan amount.

New Property/Properties can be added to existing products

AA Framework is now enhanced to add a new property/property to an existing arrangement with an effective
date. The key highlights of the Add New Property feature are:
 This feature is available in Lending (AL), Deposits (AD), Accounts (AR) and Multi Currency Accounts
(MCYAAR) product lines.
 New property/properties can be added to existing arrangement on the current date, future date or a
back(past) date.
 In AA.PRODUCT.MANAGER, the financial institutions can define Start (Start date of the
Arrangements in the product), Today (Current System Date) or Date (Past, current, future date) on
which that specific new property must be updated in the existing arrangements.
 The existing New Property Update attribute is deprecated for the Accounts, Deposits, Lending and
Multi Currency Accounts product lines. A new set of attributes are introduced for Add New Property
feature in AA.PRODUCT.MANAGER.

Limits in Multi Currency Accounts

It is now possible to sanction a limit for a multicurrency account at the MCY level and at the sub account level
using Limit property class. When a limit is sanctioned at the MCY level, and a secondary limit can be attached
at the sub account level to control the exposure at the currency level.

The enhancement enables the system to perform Credit check at the

 Multi-Currency Account Level

 Sub Account Level

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 Both Multi-Currency Account and Sub Account Level

It is possible to consider the limit attached to the sub account during an automatic position transfer based on
the Include Limit field setup in Balance Availability Product Condition configuration.

Break Cost Fee in Deposit Early Redemption

Retail deposit module is enhanced to calculate the interest based on the actual rate that is applicable for term
deposit based on the duration that funds were deposited with the bank during an early redemption of fixed
deposit.
Term deposit interest rate is decided by the term that was agreed for the funds to be held in the bank by the
customer. If the customer makes a partial or full withdrawal before the agreed term, the bank can reduce the
interest rate to be paid to the customer for the withdrawn amount. The reduced interest rate is based on the
time elapsed on the deposit for the funds withdrawn and the interest reduction is collected as a fee/charge
during early redemption of the deposit.
The difference between the original rate for the full term and the actual rate due to early redemption is
calculated as a break cost fee. This can be adjusted from the accrued interest. If the break cost fee is more
than accrued interest, then the remaining amount after accrued interest adjustment gets reduced from the
principal or this makes the interest accrual become overdrawn/negative based on the configuration of Method
attribute in Activity Charges/Activity Restriction.
This functionality will help the banks to pay the interest amount based on the period, the deposit was held with
the bank by the customer.

Notice Account Features Enhanced

Below are the key features released for the notice account and deposit:
 Banks can define the notice conditions within and outside the cooling period for notice accounts or
deposits using the Period Type attribute in the Balance Availability property class.
 It is possible for the customer to request for an additional withdrawal amount for the agreed funds
availability date, after the initial notice captured.
o A periodic attribute NOTICE.AMOUNT.INCREASE is released to check if the customer has
requested an increase in notice amount from the previously requested amount serves the full
notice period.
 It is possible that notice amounts are settled automatically to the external beneficiary based on the
configuration and payment file is generated in the PAYMENT.ORDER application on the scheduled
issue order date. In those scenarios, system is enhanced to restrict the user from modifying or
cancelling a notice once the payment file is generated and when the action is attempted, customer is
informed that the payment is initiated and hence the notice cannot be changed or cancelled.
 The bank user can now automatically close the notice account or deposit when certain conditions are
met (also called as End-of-Notice Period actions). The funds in the account or deposit are
automatically settled based on the settlement instructions and the account or deposit is closed based
on the closure conditions.
 Full withdrawal of funds from arrangement is allowed only with a Closure Type notice for notice
account or deposit. When the arrangement is in Current status, the notice account or deposit can be
closed only with a closure notice bill.

Payment Holiday features enhanced

Transact now allows the user to specify how the interest accrued during the holiday period needs to be
invoiced after the payment holiday period. The user can either configure to invoice the entire interest accrued
during the holiday period, immediately in the upcoming instalments or invoice the interest accrued during
holiday period equally over the specified number of coming instalments (maximum up to the maturity).
Payment holiday feature is enhanced to control the number of payment holidays defined for a product and the
definition of parallel holiday payment by using the periodic attribute classes named HOLIDAY.COUNT and
HOLIDAY.RESTRICT.

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Cooling period using Closure Property Class

Transact now allows the bank to set up cooling period attributes for deposit products (AD) and account
product line (AR) using the Closure property class. Banks can specify the particular property class or property
for which a waiver or refund is to be done if the account or deposit is closed within the cooling period.

Evaluate Activity Restriction at Payment Order level

The system is now enhanced to evaluate any underlying activity restrictions at the time of initiating payments
and display the results in the Payment Order page for all arrangements.
When a payment is initiated on an arrangement from the payment initiation system, the underlying activities
can be simulated, and the related overrides and error messages can be raised and displayed in the Payment
Initiation page by configuring the AA.DECISION.PARAMETER. The conditions can be specific to payment
and clearing initiated from the payment system. Thus, it is now possible to create records, for regular payment
(PAYMENT) and for clearing (CLEARING).

Account Closure Feature enhanced

 It is now possible to perform a live closure in an AR account and transfer the proceeds to a specified
beneficiary or a default beneficiary via Payment Order application and the corresponding payment
system such as TPH.
o PAYOFF property class is enabled to transfer the closure proceedings via beneficiary with
payment order in case of credit balance at the time of account closure.
 If the PAYOFF property class is not specified and the default beneficiary is specified,
the entire PAYOFF amount (credit balance) at the time of closure is settled to the
beneficiary specified in the default beneficiary by using the first pay-out payment
order product specified in settlement instructions.
o PAYOFF$CURRENT payment type is enabled to settle the closure proceedings via
beneficiary with payment order in case of debit balance at the time of account closure.
 If the PAYOFF$CURRENT payment type is not specified and the default beneficiary
is specified, the entire PAYOFF$CURRENT amount (debit balance) is settled by
using the beneficiary specified in default beneficiary by using the first pay-in payment
order product specified in settlement instructions.
 When the PAYOFF or PAYOFF$CURRENT is not provided, and default beneficiary not given, the
system tries to transfer the closure proceeds to the the default settlement account is specified.

AA Simulation enhancements
Below are the key features released to enhance simulations in AA:
 It is now possible to suppress the generation of the account numbers for the new arrangement
simulation. Both the account number and IBAN are generated only at the time of simulation execution.
o This is beneficial in large-scale banks where the number of new arrangement simulations is
numerous, and the account numbers generated for the new arrangement simulations remain
unused if the simulations are not executed.
 Transact now allows accessing the record in AA.SIMULATION.RUNNER using a unique reference
from AA.SIMULATION.CAPTURE
o The simulation process generates more than one unique reference to keep track of. Handling
a simulation in the API mode and managing multiple references can be complex. This has
been eased by using the same unique reference for capture and runner screens.
 Synchronous Simulation in AA is now enhanced with the following possibilities:
o It is possible to refresh the product conditions the latest values at the simulation level while
amending the simulation capture record.
o It is possible to amend the simulation effective date while amending the simulation capture
record.
o It is possible to control if the SIM records should be maintained for all properties or only the
required properties in the synchronous simulation process.
 It is possible to combine and simulate two or more activities online (instead of using a service)

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by setting the Synchronous field to Yes in the AA.SIMULATION.RUNNER record along with the
simulation capture references of the respective activities.

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