T24 LIMITS

September 2011
Objective

At the end of this session, the participants will

 Gain knowledge in Limit module navigation
 Be able to Input Details in Limit Sub Menus
 Understand the Mandatory fields and their descriptions
 Be able to view the relevant enquiries and reports
Limits – Product overview

3
Limits - Parameter tables

The Parameter tables set-up during implementation are given below:

 LIMIT.PARAMETER
 LIMIT.REFERENCE

4
Accessing T24 Limits Application

Log on to T24 using T24 Sign In User Name and Password to view the User
Menu.
Click on JABL User Menu>Credit Operations>Limits as shown in the screen
below
Accessing T24 Limits Application

Click on Limit Menu to be expanded the Sub Menus under it.

The relevant Sub Menus are displayed as shown in the screen below:
Menu Map – Limits

LIMITS
Limits - Mandatory Fields

Limit Currency - Defines limits by currency

Available Marker - Used to utilize the sanctioned limit
Collateral Code – Identifies the unique code for collateral
Limit Reference
 Defines the type of limit
• Global Limit
 Example: 100189.1000.01
• Product Limit
 Example: 100189.1100.01
• Sub product Limit
 Example: 100189.1110.01
Limits And Its Menu

Click on “LIMITS” Option under Credit Operations, the relevant menu are
displayed.
 Limit Menu
 Group Limits
 Enquiries
 View COB Reports
Limit Menu

LIMIT MENU>SUBMENU
 Create Secured Limit
 Create Unsecured Limit
 Account Debit Interest
 Attach Limit to Overdraft Account
 Maintain/Reverse Limit
 Change Customer Liability
 Authorise/Delete Limit
 Authorise/Delete Attach Limit
Create Secured Limit

Secured Limit
 If collateral code is attached to a limit, then it is called a secured Limit
Click on the sub menu, “Create Secured Limit” under Limit, Collateral
Details Menu
A screen titled, “Secured Limit” will get displayed
Enter the ID
 Id Format: Cutomer Number followed by Limit Reference followed by the sequence
number
• Ex: 100189.1110.01
 The Limit Reference (1110) is attached to a specific Category Code(s)
Create Secured Limit

Note the Available marker is defaulted to Y, for the credit limit to be

facilitated to the Customer
Create Secured Limit

Mandatory Input fields include

 Currency
• Indicate the Currency in which Limit is granted
 Expiry Date
• Denote the date on which the Credit Limit for the Product expires
 Other Input fields include
• Internal Amount
• Fixed/Variable
 Input Fields under Collateral Details
• Collateral Code.1
 Available as a drop down list. The values are picked from COLLATERAL.CODE
• Max Value.1
 Denote the value of the Collateral
• Both these fields are multi-value set
Create Secured Limit

After Input of the fields as indicated in the slide below click on icon “Validate
a deal”
Screen showing Secured Limit before committing the deal
Screens showing Secured Limit after Committing
Screen showing Multiple Collateral attached to a Secured Limit

Multiple Collaterals can be attached to a Single Secured Limit

Screen showing Multiple Collateral attached to a Secured Limit after committing
Create Unsecured Limit

Unsecured Limit
 If collateral code is not attached to a limit, then it is called as an unsecured Limit
Click on the sub menu, “Create Unsecured Limit” under Limit Menu
A screen titled, “Unsecured Limit” will get displayed
Enter the ID
 Id Format: Customer Number followed by Limit Reference followed by the
sequence number
• Ex: 100189.1111.01
Create Unsecured Limit

Note the Available marker should be set to Y, for the credit limit to be
facilitated to the Customer
Account Debit Interest

Use Limits> Limit Menu> Account Debit Interest as shown in the screen
below
Account Debit Interest

Used to define special Debit Interest conditions for individual Account when
the Group Debit Interest specifications are not suitable
Click on “Account Debit Interest”
A relevant screen titled “Account Debit Interest” is displayed
Enter the Account Number and press Enter
 Example: 200000003998
Account Debit Interest

Note the Date in DD/MM/YYY format gets appended at the end of the
Account Number
 ID: Account Number – Date
• Where:
 200000003998 – Account Number
 03 JUN 2010 – Date on which the Debit Interest conditions are set for the Account
The screen in the next slide shows the Input details for Account Debit
Interest Application
Account Debit Interest

The field Day Basis is used to determine the number of days used for Debit
Interest Calculation
The other Options Available for Day Basis are:
Account Debit Interest

The Day Basis field is an Optional Input field

If left blank, the system defaults option B
If NONE or GENERAL is entered, all Fields after this must be blank.
The field Charge Key holds the ID of the General Charge Record
 Here ID 99 is used as default.
Account Debit Interest

Balance Type field identifies the Balance on which interest calculations are
to be performed
Options available:
 Average
 Daily
 Highest
Input to this field is restricted, when the Interest Day Basis field contains the
value NONE or GENERAL
Otherwise a mandatory input field
Account Debit Interest

Calculation Type field determines the type of Calculation to be performed on

the Debit Balance
Options available are:
 None
 Band
 Level
No input to this field, when the Interest Day Basis has the value NONE or
GENERAL
Attach Limit To Overdraft Account

Used to attach a limit to overdraft account

Click on “Attach Limit To Overdraft Account”
A relevant screen is displayed to enter Overdraft Account (Current Account)
number. Where the ID is:
 ACCOUNT NUMBER
• Example: 200000004617

Press enter to navigate into its respective screen

Limit Reference Number is a mandatory field to be input
Limit Reference Number followed by the Serial Number of the Limit
sanctioned
 Ex:100.1 where
 1141 - Limit Reference
 1 - Serial Number of the limit.
Attach Limit To Overdraft Account
Maintain/Reverse Limit

This submenu enables the function of reversal and amendment of limits

Click on “Maintain/Reverse Limit”, an Application is displayed titled
“Maintain/Reverse Limit”
List of Limit ID’s are displayed with its respective details giving options to
“Amend” and “Reverse”
Maintain/Reverse Limit

Amend Limit -
 This button enables the function to Amend the Limit Record of a Customer
Reverse Limit –
 This button enables the function to Reverse the Limit Record

Upon clicking “Amend/Reverse” icon, Maintain Limit Application will be

displayed
Maintain Limit

Button Functions
 Amend Limit
• Existing limit details can be altered
 Reverse Limit
• Removes the Limit records from live file
Maintain Limit

At the instance of Reversal, the Record Status shows as given below

Once the Reversed Record is Authorized, the Record Status changes to

REVE
Maintain Limit

Note: When a Transaction is attached to a Limit, the Limit Record cannot be

Reversed. Not all the Limit records can be reversed
Change Customer Liability

This submenu helps to change the customer liability in customer record.

While running COB, the changes done in the customer liability is reflected in
the customer record.
Change Customer Liability

Customer Record before the Change in Liability

 Customer Liability field is Null
Change Customer Liability

In the Change Customer Liability only one record called, “SYSTEM” exists
 Enter the Customer No
 Liability Customer No as shown here
 Authorize the Record
Change Customer Liability

Customer Liability changed/updated after COB Process

Authorise/Delete Limit

Using this submenu, the limit details (which are Created, Maintained and
Reversed) can be authorized/Deleted.
Click on “Authorise/Delete Limit ”, a form is displayed with its respective
details and an option to “Authorize” and “Delete” limits.
Authorize Limit –
 This button enables the function of authorization.
Delete Limit -
 This button enables the function of deletion.
Authorize Limit
Delete Limit
Authorise/Delete Attach Limit

This menu is used to Authorize/Delete Limits attached to Overdraft Account

Click on the Menu “Authorise/Delete Attach Limit”
The system Lists the details of Unauthorised Limits attached to the
Overdraft Account as displayed in the screen below:
Authorise Attach Limit

Use icons:
 To Authorise –
 To Delete –
Delete Attach Limit

The screen below shows the action to delete the Overdraft Limit Record
Group Limits

GROUP LIMITS>SUBMENUS
 Country & Country Group Limit
 Industry & Industry Group Limit
 Currency Limits
A system default limit is set for all these groups.
Default Input Fields For All Group Limits
Enquiries

ENQUIRIES>SUBMENUS
 Liab Enquiry
 Customer Position Summary
 Reversed Limits
Enquiry – Liab Enquiry

Using this menu, Limit summary/Customer Liability can be enquired

On clicking this menu, a form is displayed with the respective fields to enter
the desired keyword in the criteria textbox
Click on “Find” icon, to view customer position summary details
 Based on the desired keyword entry, the result page is displayed.
Liab Enquiry
Liab Enquiry
Liab Enquiry

The other Options available under the drill down enquiry Balance Summary
are as indicated in the screen below:
Liab Enquiry
Enquiry - Customer Position Summary

Using this menu, Customer position summary can be enquired

On clicking this menu, a form is displayed with the respective fields to enter
the desired keyword in the criteria textbox
Click on “Find” icon, to view customer position summary details
 Based on the desired keyword entry, the result page is displayed
Customer Position Summary
Customer Position Summary
Customer Position Summary
Enquiry – Reversed Limits

This Menu Lists Limit Reversal Records

On clicking this menu, the system displays the Details of Limit Reversal
Records as displayed in the screen below:

Click on to drill down to the Reversed Transaction Application as shown

in the next slide
Enquiry – Reversed Limits
View COB Reports

VIEW COB REPORTS>SUBMENUS

 Credit Lines Expired
 Credit Lines to be Reviewed
 Limit/Collateral Excess
 Liability Amendments
Credit Line Expired

Shows credit lines expired report.

 Details of expired Limits
Credit Line Expired
Credit Lines to be Reviewed

Shows credit lines to be Reviewed

 Details of reviewed Limits
Credit Lines to be Reviewed
Limit/Collateral Excess

Shows Limit/Collateral Records with Excess

Limit/Collateral Excess
Liability Amendments

Displays the Limits - Liability Amendment Records

Summary

At the end of the session the participants will be able to:

 Create secured Limit
 Create unsecured Limit
 Create Account Debit Interest
 Attach Limit to Overdraft Account
 Maintain and Reverse a Limit
 Change the Customer Liability
 View COB Reports
 Use Enquiries related to Limits
Thank you

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