Oracle FLEXCUBE Core

Banking
Loan Reports Manual
Release 11.6.0.0.0

Part No. E65544-01

September 2016
Loan Reports Manual
September 2016

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 Table of Contents
1. Preface ........................................................................................................................................ 5
2. Loans Reports............................................................................................................................ 7
2.1. Adhoc Reports...................................................................................................................... 8
2.1.1. Loans Advices and Statements .................................................................................... 9
LN306 - Document Expiry Report..................................................................................... 10
LN307 - Customerwise list of Documents ........................................................................ 14
LN308 - Documents with third party ................................................................................. 17
LN420 - Statement of Accounts ....................................................................................... 20
LN807 - Top up Transaction Maintenance ....................................................................... 23
LN808 - Written off flag status maintenance .................................................................... 25
LN809 - Document deviation report ................................................................................. 28
LN810 - Document Report ................................................................................................ 31
2.1.2. Loans Daily Exception Reports ................................................................................... 34
LN252 - Collateral Inadequacy Report ............................................................................. 35
2.1.3. Loans Daily Transaction Reports ................................................................................ 37
LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT ............................................... 38
LN213 - Loans Written – off.............................................................................................. 42
LN225 - Maturing Loans Report ....................................................................................... 44
LN239 - Matured Loans with Arrears ............................................................................... 47
LN241 - Loans with Settlement Notice ............................................................................. 49
LN257 - Insurance Premium Collected Report ................................................................. 53
LN451 - LN - Loan Repayment schedule ......................................................................... 57
LN452 - LOAN INCLUSIVE REPAYMENT SCHEDULE .................................................. 60
LN622 - Product wise provision details ............................................................................ 63
LN623 - Provision code wise details report ...................................................................... 66
LN624 - Provision code wise summary report .................................................................. 69
2.1.4. Loans deviations Report ............................................................................................. 72
LN110 - Loans deviations Report ..................................................................................... 73
2.1.5. Loans NPA Report ...................................................................................................... 76
LN208 - Provisions Report-Authorised ............................................................................. 77
LN620 - Manual CRR override ......................................................................................... 81
2.1.6. Loan Interests and Arrears Report ............................................................................. 84
LN300 - CASA Drawdown Failure Report ........................................................................ 85
2.2. Batch Reports..................................................................................................................... 88
2.2.1. Loan EOD Reports...................................................................................................... 93
LN020 - Accounts with backdated transactions today ..................................................... 94
LN021 - Impact of backdated transaction on accounts .................................................... 98
SC010 - Fee Amortization Report .................................................................................. 102
2.2.2. Loans Advices and Statements ................................................................................ 106
LN004 - Rate Change Advice ......................................................................................... 107
LN008 - Installment Reminder Advice ............................................................................ 111
LN420 - Statement of Accounts ..................................................................................... 115
2.2.3. Loans Daily Exception Reports ................................................................................. 119
LN103 - LN Rejected Transactions Report .................................................................... 120
LN252 - Collateral Inadequacy Report ........................................................................... 124
LN252 - Collateral Inadequacy Report ........................................................................... 128
LN299 - Loan Recession Report .................................................................................... 132
LN304 - LN Accounts with Credit Balance ..................................................................... 136
LN305 - LN Rate Change Rejections ............................................................................. 140
LN629 - Interest Freeze Report For Failed Accounts .................................................... 144
2.2.4. Loans Daily Transaction Reports .............................................................................. 148
LN015 - Cheques Pending List(loans only) .................................................................... 150
LN051 - Accounts with backdated Interest Rate Change today ..................................... 154
LN101 - Posted Loan Transactions Report .................................................................... 158

3
 LN102 - Posted Transactions Summary ........................................................................ 162
LN111 - Savings Account Handoff ................................................................................. 166
LN115 - Failed Internal Debits ........................................................................................ 170
LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT ............................................. 174
LN163 - Report on Accounts Closed Today ................................................................... 178
LN166 - Loans Balances Listing ..................................................................................... 182
LN201 - Loans Accounts Opened Today ....................................................................... 186
LN204 - Disbursements Made Today ............................................................................. 190
LN236 - Loans Disbursements Pending ......................................................................... 194
LN239 - Matured Loans with Arrears ............................................................................. 198
LN239 - Matured Loans with Arrears ............................................................................. 202
LN257 - Insurance Premium collected Report ............................................................... 206
LN257 - Insurance Premium collected Report ............................................................... 210
LN401 - Adjustment Transactions Report ...................................................................... 214
LN611 - Accounts successfully written off ...................................................................... 218
LN613 - Success or Failure of EFS ................................................................................ 222
LN630 - Interest Freeze Report ...................................................................................... 226
LN800 - Colleteral summary ........................................................................................... 230
LN801- Restructuring Loan ............................................................................................ 234
LN802 - Pre collection Report ........................................................................................ 238
LN805 - Secured Loan account Colleteral Maintenance ................................................ 242
LN806 - Reappraisal Collatteral report ........................................................................... 246
BA028 - Transactions on deceased customers.............................................................. 250
CH024 - Report for cash card acts with interest waiver ................................................. 254
CH025 - Product Transfer Report................................................................................... 258
LN015 - Cheques Pending List(loans only) .................................................................... 262
LN024 - Customer Correspondences And Interest Rate Change Intimation ................. 266
LN025 - Loan Disbursement Due Report ....................................................................... 270
LN026 - Semi Automatic Loan Disbursement Due Report ............................................. 274
LN612 - List of accounts write off - unsuccessful ........................................................... 278
2.2.5. Loans deviations Report ........................................................................................... 282
LN110 - Loans deviations Report ................................................................................... 283
2.2.6. Loans Interest and Arrears Report ........................................................................... 287
LN030 - Backdated Postponement Transaction Report ................................................. 288
LN031 - Postponement Instructions Report ................................................................... 292
LN090 - Subsidy Interest Report .................................................................................... 296
LN108 - Interest Accrual Report ..................................................................................... 300
LN215 - Loan Arrears Details ......................................................................................... 305
LN625 - Cross Currency Loan – Collateral Report......................................................... 309
LN640 - Provisioning Report for Accrued Interest - Anniversary Loans......................... 313
LN811 - Loans Interest Accrued ..................................................................................... 317
LN402 - Accounts with Frozen Interest .......................................................................... 321
2.2.7. Loans NPA Report .................................................................................................... 325
LN117 - Accounts moved to suspended status .............................................................. 326
LN210 - Provisions Report – UnAuthorised ................................................................... 330
LN621 - Manual override expired ................................................................................... 334

4
 Preface

1. Preface

1.1. Intended Audience

This document is intended for the following audience:
 Customers
 Partners

1.2. Documentation Accessibility

For information about Oracle's commitment to accessibility, visit the Oracle Accessibility Program
website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.

1.3. Access to OFSS Support

https://support.us.oracle.com

1.4. Structure
This manual is organized into the following categories:
Preface gives information on the intended audience. It also describes the overall structure of the
Reports Manual
Introduction provides brief information on the overall functionality covered in the Reports Manual
Chapters are dedicated to individual reports and its details, covered in the Reports Manual

5
 Preface

1.5. Related Information Sources

For more information on Oracle FLEXCUBE Core Banking Release11.5.0.0.0, refer to the
following documents:
 Oracle FLEXCUBE Core Banking Licensing Guide

6
 Loans Reports

2. Loans Reports

A report is a document that is illustrated with the help of information, and tailored to a given
situation and audience. The primary purpose of a report is to provide information. However,
reports may also include additional information, such as suggestions or conclusions that indicate
possible future actions which the report reader might take. Reports can be public or private.
Advice is generally a written proof of a service performed, funds transferred, or a payment that is
received or made. It can also be a recommendation that advises a customer about specific
investment asset allocations based on age and circumstances.
Oracle Flexcube supports report generation in PDF, HTML and Excel formats. Based on the
system configuration the reports can be generated in any of the above mentioned format.
Note 1: Reports can be generated by using the Report Request (Fast Path: 7775) option.
Reports can be viewed/printed using the Advice/Report Status Inquiry (Fast Path: 7778) option.
The above screens can be accessed by navigating through the following path: Transaction
Processing > Internal Transactions > Reports.
Note 2: Report Codes precede the Report Names. Unlike the User Manual where the Fast Path
preceding the Topic Title indicates the access for the screen, the Report Code is simply a unique
code for the report.

7
 Adhoc Reports

2.1. Adhoc Reports

Adhoc reports are generated on demand or on request. Reports and advices can be requested
from the Report Request screen. Adhoc reports can be viewed and generated using the teller
login or the system operator login.

List of Adhoc Reports:

 Loans deviations Report
 Loans Advices and Statements
 Loans Daily Exception Reports
 Loans Daily Transaction Reports
 Loans NPA Report

8
 Loans Advices and Statements

2.1.1. Loans Advices and Statements

The Loans Advices and Statements include statements and advices specific to the loans
accounts that are sent to the customers.

List of Loans Advices and Statements:

 LN306 - Document Expiry Report
 LN808 - Written off flag status maintenance
 LN308 - Documents with third party
 LN307 - Customerwise list of Documents
 LN810 - Document Report
 LN420 - Statement of Accounts
 LN809 - Document deviation report
 LN807 - Top up Transaction Maintenance
 LN807 - Top up Transaction Maintenance

9
 Loans Advices and Statements

LN306 - Document Expiry Report

At a product level the document details are maintained in the option Document Details
Maintenance (Fast Path - ORS42). After the loan account is opened, using the option Account
Documents Maintenance (Fast Path - LN323) the bank can maintain the mandatory / non -
mandatory documents. The mandatory documents need to be marked as received before the
disbursement of the loan account. Also the Additional Document Maintenance option (Fast Path -
LNM32), enables the user to link additional documents to a loan account.
This is a report of all the Documents expiring on the specified date. Each column of this report
provides details on Document Code, Document Number, Customer ID, Customer Name, and
Expiry Date.

To generate the Document Expiry Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN306 - Document Expiry
Report.
4. The system displays the LN306 - Document Expiry Report screen.

Field Description

Field Name Description

Expiry Date [Mandatory, dd/mm/yyyy]

Type a valid date when the document report will be expired.

10
 Loans Advices and Statements

Field Name Description

Location code [Mandatory, Alphanumeric, 10]

Type a valid location code.
This location code is maintained in the Lookups (Fast Path:
ORS06) option.

Document code [Mandatory, Alphanumeric, 16]

Type the unique identification code for a particular type of
document.

Branch Code [Mandatory, Numeric, Five]

Type a valid code of the branch for which the report needs to be
generated.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN306 - Document Expiry Report screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”.
8. Click the OK button.
9. The system generates the Document Expiry Report.

To view and print the Document Expiry Report

1. Access the Advice/Report Status Enquiry (Fast Path: 7778) screen.
2. Select the check box corresponding to LN306 - Document Expiry Report.
3. Click the View button to view the report.
4. The system displays the Document Expiry Report screen.

11
 Loans Advices and Statements

12
 Loans Advices and Statements

5. On the File menu, click Print.

6. The system displays the Print dialog box.
7. Select the appropriate parameters and click the OK button.

13
 Loans Advices and Statements

LN307 - Customerwise list of Documents

The Document Plan Code Maintenance (Fast Path: ORS35) option can be used to define a set
of documents to be submitted along with the application which will be attached to a Loan product.
The system also permits to maintain documents at account level using the Account Documents
Maintenance (Fast Path - LNM32) option . The mandatory documents need to be marked as
received before disbursement can proceed. The non-mandatory documents can be marked either
as received or waived.
This is a report for all the Documents under a customer ID. Each column of this report provides
details on Customer ID, Full Name, Location Code, Document Code, Document Number and
Expiry Date.

To generate the Customerwise list of Documents Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN307 - Customerwise
list of Documents.
4. The system displays the LN307 - Customerwise list of Documents screen.

14
 Loans Advices and Statements

Field Description

Field Name Description

Customer Id [Mandatory, Numeric,10]

Type the unique identification number of the primary
customer, if the document is at the account level or type the
unique identification number of the document holder
customer if the document is at the customer level.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN307 - Customerwise list of Documents

screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Customerwise list of Documents Report. For reference, a
specimen of the report generated is given below:

15
 Loans Advices and Statements

16
 Loans Advices and Statements

LN308 - Documents with third party

The Document Plan Code Maintenance (Fast Path - ORS35) option can be used to define a set
of documents to be submitted along with the application which will be attached to a Loan product.
The system also permits to maintain documents at account level using the Account Documents
Maintenance (Fast Path - LNM32) option . The mandatory documents need to be marked as
received before disbursement can proceed. The non-mandatory documents can be marked either
as received or waived.
This is a report for all the Documents with Third Party details. Each column of this report provides
details on Location, Document Code, Document Number, Customer ID, Customer Name, Non
Customer/Third Party Name and Branch code.

To generate the Documents with third party report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN308 - Documents with
third party.
4. The system displays the LN308 - Documents with third party screen.

Field Description

Field Name Description

Document code [Mandatory, Alphanumeric, 16]

Type the unique identification code for a particular type of
document.

17
 Loans Advices and Statements

Field Name Description

Third party ID [Mandatory, Numeric, 10]

Type the unique identification number of the third party
customer.

Non Customer Third Party [Mandatory, Alphanumeric, 50]

Name
Type the name of the third party customer, who is not the
customer of the bank.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN308 - Documents with third party screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Documents with third party report. For reference, a specimen
of the report generated is given below:

18
 Loans Advices and Statements

19
 Loans Advices and Statements

LN420 - Statement of Accounts

There are multiple financial transactions like deposits, disbursements, fund transfers, service
charges, etc. that take place in a loan account. Some of these will be customer initiated, while
others may be done by the bank to recover charges, interest, etc. The customer needs to get a
list of such transactions that have taken place in the account, along with the key transaction
details like date transacted, description, total arrears and its breakup. Hence a statement of all
financial transactions that has taken place in a loan account is generated periodically, and mailed
to the customer. The statement of accounts can also be generated online.
This is a report of statement for loan accounts. The statement contains customer id/ name,
Address, Account Number, Sector Name, Product Code/ Name, Accrued interest till date,
Transaction date, Value Date, Particulars, Debit/credit transactions , and the Balance. Debit and
credit summation is also provided. In addition, current arrears details and the break-up of arrears
and total arrears are also listed.

To generate the Statement of Accounts Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN420 - Statement of
Accounts.
4. The system displays the LN420 - Statement of Accounts screen.

20
 Loans Advices and Statements

Field Description

Field Name Description

Enter the account number [Mandatory, Numeric, 16]

Type the valid account number of the customer for which you
want to generate the statement.

Enter From Date [Mandatory, dd/mm/yyyy]

Type a valid start date for the report.
This date should not be greater than the To Date.

Enter To Date [Mandatory, dd/mm/yyyy]

Type a valid end date for the report.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN420 - Statement of Accounts screen.

6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Statement of Accounts Report. For reference, a specimen of
the report generated is given below:

21
 Loans Advices and Statements

22
 Loans Advices and Statements

LN807 - Top up Transaction Maintenance

The loan amount, which is sanctioned for a particular account can be modified using the Loan
Approved Amount Maintenance (Fast Path - LNM38) option. For a loan account a top up loan
can be maintained followed by rescheduling and disbursement by using the Account Schedule
(Fast Path - LN521) option. Branch can generate an adhoc report listing all top up maintenances
on loan accounts for verification.
This is the Top Up Transaction Report for the day. This report is grouped by product code and
Product -wise totals are provided. Each column of this report provides details on Customer ID,
Customer Name, Loan Account Number, Limit Change Date, Sanctioned Amount, Principal
Balance and User ID.

To generate the Top up Transaction Maintenance Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN807 - Top up
Transaction Maintenance.
4. The system displays the LN807 - Top up Transaction Maintenance screen.

5. By default, the Waived Service Charge check box is selected. Clear the check box if you
want to apply the service charge for the report.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Top up Transaction Maintenance Report. For reference, a
specimen of the report generated is given below:

23
 Loans Advices and Statements

24
 Loans Advices and Statements

LN808 - Written off flag status maintenance

If the accounts are marked for write off, FLEXCUBE will write off the accounts, if the accounts
meet the eligibility criteria as on the date of write off. Accounting entries including off balance
sheet entries will be passed by the system pertaining to written off accounts. If the ‘Exclude from
auto write off’ flag in the Automatic Write off Account Maintenance (Fast Path - AC005) option
is selected, then those loan /Overdraft accounts will be excluded from the automatic write off
process. However such accounts can be written off manually.
This is a Write off flag status maintenance report generated during the end of the day. Each
column of the report provides details on Customer ID, Customer Name, Account Number,
Product Code, Account Officer code, Limit Amount, Principal Amount, User ID, Supervisor ID,
Write Off Mark Date, Write Off Exclude date and totals.

To generate the Written off flag status maintenance report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN808 - Written off flag
status maintenance.
4. The system displays the LN808 - Written off flag status maintenance screen.

5. By default, the Waived Service Charge check box is selected. Clear the check box if you
want to apply the service charge for the report.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.

25
 Loans Advices and Statements

8. The system generates the Written off flag status maintenance report. For reference, a
specimen of the report generated is given below:

26
 Loans Advices and Statements

27
 Loans Advices and Statements

LN809 - Document deviation report

The Document Plan Code Maintenance (Fast Path - ORS35) option can be used to define a set
of documents to be submitted along with the application which will be attached to a Loan product.
The plan type of the document can be selected either as document or deviation in this option. The
system also permits to maintain documents at account level using the Account Documents
Maintenance (Fast Path - LNM323) option . The mandatory documents need to be marked as
received before disbursement can proceed. The non-mandatory documents can be marked either
as received or waived.
This is a Document Deviation Report generated during the end of the day. Each column of the
report provides details on Customer ID, Customer Name, Account Number, Document code,
Document name, Document reference number, Maturity date, Action date, 3rd party name,
Collateral code, Location code, Location description and remarks.

To generate the Document deviation report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN809 - Document
deviation report.
4. The system displays the LN809 - Document deviation report screen.

28
 Loans Advices and Statements

Field Description

Field Name Description

Enter Branch code [Mandatory, Numeric, Five]

Type a valid code of the branch for which the report needs to be
generated.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN809 - Document deviation report screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the LN809 - Document deviation report. For reference, a
specimen of the report generated is given below:

29
 Loans Advices and Statements

30
 Loans Advices and Statements

LN810 - Document Report

The Document Plan Code Maintenance (Fast Path - ORS35) option defines a set of documents
to be submitted along with the application for loan. Requirement of such documents may differ
across different types of loans. But within a particular type of loan for a bank, this list of
documents may be standard. The list of documents that are standard can be grouped together
using the Document Plan Code Maintenance. This plan is attached to a loan product.
This is a Document Report generated during the end of the day. Each column of the report
provides details on Customer ID, Customer Name, Account Number, Document code, Document
name, Document reference number, Maturity date, Action date, 3rd party name, Location code,
Location description and remarks.

To generate the Document Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Advices and Statements > LN810 - Document
Report.
4. The system displays the LN810 - Document Report screen.

Field Description

Field Name Description

Enter Branch Code [Mandatory, Numeric, Five]

Type a valid code of the branch for which the report needs to be
generated.

31
 Loans Advices and Statements

Field Name Description

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN810 - Document Report screen.

6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Document Report. For reference, a specimen of the report
generated is given below:

32
 Loans Advices and Statements

33
 Loans Daily Exception Reports

2.1.2. Loans Daily Exception Reports

The Loans Daily Exception Reports includes a report that compares the loan outstanding, with
the inadequate collateral security values.

List of Loans Daily Exception Reports:

 LN252 - Collateral Inadequacy Report

34
 LN252 - Collateral Inadequacy Report

LN252 - Collateral Inadequacy Report

Loan limits are sanctioned based on the collateral values offered, subject to the margins. Due to
various reasons like non repayment, erosion of collateral securities, Revaluation of collateral etc.
there could be a possibility that Loan balances are more than the collateral values. This report is
generated to compare the loan outstanding with the inadequate collateral security values.
This is a list of loan accounts for which the collateral securities are inadequate to cover the
balance. Accounts are grouped product and currency wise and the totals are given. Each column
of this report provides details of Loan Account, Customer Name, Sanctioned Amount,
Outstanding Amount, Primary Collateral, Secondary Collateral, Lendable Amount and Available
Collateral.

To generate the Collateral Inadequacy Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Exception Reports > LN252 - Collateral
Inadequacy Report.
4. The system displays the LN252 - Collateral Inadequacy Report screen.

5. By default, the Waived Service Charge check box is selected. Clear the check box if you
want to apply the service charge for the report.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Collateral Inadequacy Report. For reference, a specimen of
the report generated is given below:

35
 LN252 - Collateral Inadequacy Report

36
 Loans Daily Transaction Reports

2.1.3. Loans Daily Transaction Reports

The Loans Daily Transaction Reports includes reports specific to the loans transactions carried
on a particular day.

List of Loans Daily Transaction Reports:

 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT
 LN213 - Loans Written – off
 ln225 - maturing loans report
 LN239 - Matured Loans with Arrears
 LN241 - Loans with Settlement Notice
 LN257 - Insurance Premium Collected Report
 ln451 - ln - loan repayment schedule
 LN452 - LOAN INCLUSIVE REPAYMENT SCHEDULE
 LN622 - Product wise provision details
 LN623 - Provision code wise details report
 LN624 - Provision code wise summary report

37
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

Loan accounts are classified depending on the conduct of the account. Based on the
classification of assets, interest accruals, income recognition and provisioning are made. For the
branches to have control over loan portfolio, and movements the summary of total credits/debits
is provided product wise and General ledger (GL) code wise.
This is a summary report of loan balance movements for the day. The details are grouped GL
code wise, product wise and currency wise. The product descriptions, currency descriptions, and
the GL totals are provided. Each column in this report provides information about Account
Number, Accrual Status, Number of Debit Transactions, Debit Amount in account currency, Debit
Amount in local currency, Number of Credit Transactions, Credit Amount in account currency and
Credit Amount in local currency.

To generate the LOAN BALANCE MOVEMENTS BY PRODUCT REPORT

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN162 - LOAN
BALANCE MOVEMENTS BY PRODUCT.
4. The system displays the LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT screen.

38
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

Field Description

Field Name Description

Product Code (0 for all) [Mandatory, Numeric, Five]

Type the valid code of the product for which the report needs to
be generated.
If the value entered is '0', you can view all the product reports.

GL Code (0 for all) [Mandatory, Numeric, Nine]

Type the valid GL code for which the report needs to be
generated.
If the value entered is '0', you can view all the GL reports.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN162 - LOAN BALANCE MOVEMENTS BY

PRODUCT screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”.
8. Click the OK button.
9. The system generates the LOAN BALANCE MOVEMENTS BY PRODUCT REPORT.

To view and print the LOAN BALANCE MOVEMENTS BY PRODUCT REPORT

1. Access the Advice/Report Status Enquiry (Fast Path: 7778) screen.
2. Select the check box corresponding to LN162 - LOAN BALANCE MOVEMENTS BY
PRODUCT.
3. Click the View button to view the report.
4. The system displays the LOAN BALANCE MOVEMENTS BY PRODUCT REPORT
screen.

39
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

40
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

5. Select the Print option from the File menu.

6. The system displays the Print dialog box.
7. Select the appropriate parameters and click the OK button.

41
 LN213 - Loans Written – off

LN213 - Loans Written – off

Loan accounts are to be closed, as per the repayment schedules agreed upon at the time of
opening of accounts. When customers fail to repay, the accounts will be classified as non-
performing assets subject to the stipulated norms. Subsequently, if appropriate authority
approves for write-off, the accounts are closed.
This report gives a product wise detail of loan accounts that are written-off. Each column in this
report provides information about the Account Number, Officer ID, Customer ID, Date Open,
Principal Balance, Sanctioned Amount, Date of Last Payment, Borrower's Name, Date of Maturity
and Amount Written Off .

To generate the Loans Written – off

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN213 - Loans Written –
off .
4. The system displays the LN213 - Loans Written – off Report screen.

5. By default, the Waived Service Charge check box is selected. Clear the check box if you
want to apply the service charge for the report.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Loans Written – off Report. For reference, a specimen of the
report generated is given below:

42
 LN213 - Loans Written – off

43
 LN225 - Maturing Loans Report

LN225 - Maturing Loans Report

When loan accounts are opened, repayment schedules are generated and customers are
supposed to make repayment to the loan account on the due date. For proper classification of
loan assets and income recognition, repayment schedules and recovery are monitored. In
addition to other details, this report provides information on the accrual status, whether normal or
suspended and total arrears amount.
This report is a maturity loans report and provides the last day of repayment. Accounts are
grouped product wise, and totals are provided product wise and currency wise. Each column in
this report provides information about the Account number, Customer name, Accrual status, Loan
amount, Principle balance, Maturity date and Total arrears.

To generate the Maturing Loans Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN225 - Maturing Loans
Report.
4. The system displays the LN225 - Maturing Loans Report screen.

44
 LN225 - Maturing Loans Report

Field Description

Field Name Description

Enter range of days [Mandatory, Numeric, Two]

Type a valid range of days within which the accounts are to be
picked up to generate the maturing loans report.
The recommended number of days is 10.

Enter date of processing [Mandatory, dd/mm/yyyy]

[DD/MM/YYYY]
Type a valid date for which the report is processed.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN225 - Maturing Loans Report screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Maturing Loans Report. For reference, a specimen of the
report generated is given below:

45
 LN225 - Maturing Loans Report

46
 LN239 - Matured Loans with Arrears

LN239 - Matured Loans with Arrears

While opening loan accounts, repayment schedules are generated and the loan accounts are to
be closed on the repayment end date. In case the customers default in repayments, then loan
accounts will show arrears and the account would not be closed on the due date. For the
branches to know the loan status at the end of the loan maturity period, this report is generated.
This report lists the matured loan accounts with their total arrears due. Accounts are grouped by
product and currency. Product wise total sanctioned amount, total principal, and arrears are
provided. Each column of the report provides information about Account Number, Customer
Name, Account Officer, Sanctioned Amount, Maturity date, Principal Balance, and Total Arrears.

To generate the Matured Loans with Arrears Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN239 - Matured Loans
with Arrears.
4. The system displays the LN239 - Matured Loans with Arrears screen.

5. By default, the Waived Service Charge check box is selected. Clear the check box if you
want to apply the service charge for the report.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Matured Loans with Arrears Report. For reference, a
specimen of the report generated is given below:

47
 LN239 - Matured Loans with Arrears

48
 LN241 - Loans with Settlement Notice

LN241 - Loans with Settlement Notice

Loan accounts can be closed through timely payments of installments, or even by doing early
settlement of loans. Such settlements could be through a variety of modes and can be with or
without penalty charges. This ad hoc report gives full particulars of loan accounts for closure.
This is a loan settlement report. Each column in this report provides information about the
Account number, Customer name, Officer ID, Maturity date, Expected date, Notice date, Total
arrears, Total outstanding, and Principal balance for every product.

To generate the Loans with Settlement Notice Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN241 - Loans with
Settlement Notice.
4. The system displays the LN241 - Loans with Settlement Notice screen.

Field Description

Field Name Description

From Date[DD/MM/YYYY] [Mandatory, dd/mm/yyyy]

Type the valid start date for the report.
This date should not be greater than the To Date.

49
 LN241 - Loans with Settlement Notice

Field Name Description

To Date[DD/MM/YYYY] [Mandatory, dd/mm/yyyy]

Type the valid end date for the report.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN241 - Loans with Settlement Notice screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”.
8. Click the OK button.
9. The system generates the Loans with Settlement Notice Report.

To view and print the Loans with Settlement Notice Report

1. Access the Advice/Report Status Enquiry (Fast Path: 7778) screen.
2. Select the check box corresponding to LN241 - Loans with Settlement Notice.
3. Click the View button to view the report.
4. The system displays the Loans with Settlement Notice Report screen.

50
 LN241 - Loans with Settlement Notice

51
 LN241 - Loans with Settlement Notice

5. Select the Print option from the File menu.

6. The system displays the Print dialog box.
7. Select the appropriate parameters and click the OK button.

52
 LN257 - Insurance Premium Collected Report

LN257 - Insurance Premium Collected Report

A deduction plan can be maintained by using Loan Deduction Plan Maintenance (Fast Path:
LNM22 ) option and it is attached to the loan product by Product Master Maintenance (Fast
Path: LNM11) option at loan account opening. This comprises of various types of deductions like
service charges, installments and insurance premiums applicable to loan accounts. All deductions
are defined under a deduction plan and it can be linked to one or more loan products. At the time
of loan disbursement, the deductions will be effected.
This is a report of insurance premium collected for loan accounts. Each column of this report
provides information about Account Number, Customer Name, Policy Number, Account Currency
Name, Premium Amount in Account Currency and Premium Amount in Local Currency.

To generate the Insurance Premium Collected Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN257 - Insurance
Premium Collected Report.
4. The system displays the LN257 - Insurance Premium Collected Report screen.

5. By default, the Waived Service Charge check box is selected. Clear the check box if you
want to apply the service charge for the report.
6. Click the Generate button.
7. The System displays the message “Report Request Submitted”.
8. Click the OK button.
9. The system generates the Insurance Premium Collected Report.

53
 LN257 - Insurance Premium Collected Report

To view and print the Insurance Premium Collected Report

1. Access the Advice/Report Status Enquiry (Fast Path: 7778) screen.
2. Select the check box corresponding to LN257 - Insurance Premium Collected Report.
3. Click the View button to view the report.
4. The system displays the Insurance Premium Collected Report screen.

54
 LN257 - Insurance Premium Collected Report

55
 LN257 - Insurance Premium Collected Report

5. On the File menu, click Print.

6. The system displays the Print dialog box.
7. Select the appropriate parameters and click the OK button.

56
 LN451 - LN - Loan Repayment schedule

LN451 - LN - Loan Repayment schedule

A schedule is a listing of the amounts of principal and interest, due dates, and balance after
payment for a given loan. Using the Account Schedule (Fast Path - LN521) option repayment
schedules are created for the loan account for different stages. Loans can be disbursed to the
customer only after the account schedule is setup.
This is a report of loan repayment schedule for loan accounts. Each column of the report provides
information on Account number, Customer ID, Currency, Current interest rate, Period in months,
Maturity date, Total loan sanctioned, Total loan disbursed, Inclusive outstanding Balance
Installment number, Start date, Payment due date, Interest rate, Number of days, Principal,
Interest, Charge, Installment and Outstanding balance.

To generate the LN – Loan Repayment schedule Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN451 - LN – Loan
Repayment schedule.
4. The system displays the LN451 - LN – Loan Repayment schedule screen.

57
 LN451 - LN - Loan Repayment schedule

Field Description

Field Name Description

Enter the account number [Mandatory, Alphanumeric, 16]

Type the valid account number of the customer for which you
want to generate the report.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN451 - LN – Loan Repayment schedule

screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the LN – Loan Repayment schedule Report. For reference, a
specimen of the report generated is given below:

58
 LN451 - LN - Loan Repayment schedule

59
 LN452 - LOAN INCLUSIVE REPAYMENT SCHEDULE

LN452 - LOAN INCLUSIVE REPAYMENT SCHEDULE

A repayment schedule is a listing of the amounts of principal and interest, due dates, and balance
after payment for a given loan. The Schedule Setup (Fast Path - LN521) option allows you to
setup the accounts schedule like Interest and Principal Installment, Equated Periodic Installment,
First Principal Installment, etc. Loan cannot be disbursed without the schedule set up. This report
facilitates the bank to know the repayment schedule date, amount, etc.
This is a report of loan repayment schedule for loan accounts. Each column of the report provides
information on Account number, Customer ID, Currency, Current interest rate, Period in months,
Maturity date, Total sanctioned amount, Total disbursed amount, Inclusive Outstanding Balance,
serial number, Payment due date, Principal Amount, Interest amount, charging amount, total
payment and outstanding amount.

To generate the LOAN INCLUSIVE REPAYMENT SCHEDULE REPORT

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN452 - LOAN
INCLUSIVE REPAYMENT SCHEDULE.
4. The system displays the LN452 - LOAN INCLUSIVE REPAYMENT SCHEDULE screen.

60
 LN452 - LOAN INCLUSIVE REPAYMENT SCHEDULE

Field Description

Field Name Description

AccountNo [Mandatory, Alphanumeric, 16]

Type the valid account number of the customer for which you
want to generate the report.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN452 - LOAN INCLUSIVE REPAYMENT

SCHEDULE screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the LOAN INCLUSIVE REPAYMENT SCHEDULE REPORT. For
reference, a specimen of the report generated is given below:

61
 LN452 - LOAN INCLUSIVE REPAYMENT SCHEDULE

62
 LN622 - Product wise provision details

LN622 - Product wise provision details

FLEXCUBE calculates provision for Loan accounts based on security value, credit risk rating
code, etc. Banks are also required to maintain provision related data for compliance and reporting
purpose as per the Central Bank guidelines. For these purposes, this adhoc report can be
generated for any given branch.
This is the report for product wise provision details. This report is grouped by product and each
column of the report provides information on Branch Code, Branch Name, Product Code, Product
Name, Collateral Value taken for provisioning deduction and Provision Amount.

To generate the Product wise provision details report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN622 - Product wise
provision details.
4. The system displays the LN622 - Product wise provision details screen.

Field Description

Field Name Description

Branch Code [Mandatory, Numeric, Five]

Type a valid code of the branch for which the report needs to be
generated.

63
 LN622 - Product wise provision details

Field Name Description

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN622 - Product wise provision details screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Product wise provision details report. For reference, a
specimen of the report generated is given below:

64
 LN622 - Product wise provision details

65
 LN623 - Provision code wise details report

LN623 - Provision code wise details report

The Product Code, Expense Code, Expense Description, Provision Code and the Provision
Description are defined by the bank during the day zero setup in the Provision Code/Expense
Code Maintenance (Fast Path - ACM11) option. Provision is calculated based on Security value,
Credit Risk Rating code, etc. Banks are also required to maintain provision related data for
compliance and reporting purpose as per the Central Bank guidelines.
This is a provision code wise details report grouped product wise. Each column of this report
provides information on Customer ID, Customer Name, Account Number, Product Code, Credit
Risk Rating, Committed Flag, Principle, Collateral Value taken For Provisioning Deduction and
Provision Amount.

To generate the Provision code wise details report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN623 - Provision code
wise details report.
4. The system displays the LN623 - Provision code wise details report screen.

Field Description

Field Name Description

Branch Code [Mandatory, Numeric, Five]

Type a valid code of the branch for which the report needs to be
generated.

66
 LN623 - Provision code wise details report

Field Name Description

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN623 - Provision code wise details report
screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Provision code wise details report. For reference, a
specimen of the report generated is given below:

67
 LN623 - Provision code wise details report

68
 LN624 - Provision code wise summary report

LN624 - Provision code wise summary report

The Asset Classification Code Maintenance (Fast Path - ACM03) option allows the bank to
define the various credit risk rating categories along with the relevant provisioning percentages
for secured and unsecured portions of the asset. At the account level, using the Account CRR
Details Maintenance (Fast Path - AC014) option you can modify the provision rates-
secured/unsecured and can define a validity period for which this provision rate is applicable to
the account. Various reports generated with respect to provisioning are Provision code wise
summaryreport (Fast Path - LN624), Provision code wise details report (Fast Path - LN623),
Account wise provision details (Fast Path - LN625), etc.
This is a provision code wise summary report. Each column of the report provides information on
Expense Code, Expense Description, Currency and Provision amount.

To generate the Provision code wise summary report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans Daily Transaction Reports > LN624 - Provision code
wise summary report.
4. The system displays the LN624 - Provision code wise summary report screen.

69
 LN624 - Provision code wise summary report

Field Description

Field Name Description

Branch Code [Mandatory, Numeric, Five]

Type a valid code of the branch for which the report needs to be
generated.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN624 - Provision code wise summary report
screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Provision code wise summary report. For reference, a
specimen of the report generated is given below:

70
 LN624 - Provision code wise summary report

71
 Loans deviations Report

2.1.4. Loans deviations Report

The Loans Deviations Report includes a report that allows the branches to have proper control
over the loans deviations.

List of Loans deviations Reports:

 LN110 - Loans deviations Report

72
 LN110 - Loans deviations Report

LN110 - Loans deviations Report

Branches may disburse loan accounts with certain deviations like disbursal above tenure, below
or above the specified loan amount; deviation from the sanctioned rate of interest, etc. Proper
operational control over these deviations is ensured by this report generated in batch as well as
adhoc mode.
This is a loan account deviation report. Accounts are grouped product wise. Each column of this
report provides details on Account Number, Customer ID, Currency, Customer name, Deviation
description, Deviation date, Face value, Disbursed Amount, Outstanding Amount, Maker ID, and
Checker ID. Product wise totals on face value, disbursed amount and outstanding amount are
also provided.

To generate the Loans deviations Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans deviations Reports > LN110 - Loans deviations
Report.
4. The system displays the LN110 - Loans deviations Report screen.

73
 LN110 - Loans deviations Report

Field Description

Field Name Description

From Date [Mandatory, dd/mm/yyyy]

Type a valid start date for the report.
This date should not be greater than the To Date.

To Date [Mandatory, dd/mm/yyyy]

Type a valid end date for the report.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN110 - Loans deviations Report screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Loans deviations Report. For reference, a specimen of the
report generated is given below:

74
 LN110 - Loans deviations Report

75
 Loans NPA Report

2.1.5. Loans NPA Report

The Loans NPA Report includes a report that facilitates the branch to know the provisions made
for bad debts.

List of Loans NPA Reports:

 LN620 - Manual CRR override
 LN208 - Provisions Report-Authorised

76
 LN208 - Provisions Report-Authorised

LN208 - Provisions Report-Authorised

Banks classify the loan accounts as Standard, Sub-standard, doubtful, loss asset etc. depending
on the conduct of the account and compliance norms. In the case of Non-performing assets,
banks will have to make provisions based on the outstanding balance, the collateral value and the
provisions already made. This report worksheet facilitates the branch to know the provisions
made for bad debts.
This report is an authorised loan provisions report for non-performing loan accounts. Accounts
are grouped based on product and currency. Each column in this report provides information
about the loan account number, Months in arrears, Loan balance, Calculated provision, Provision
made, Amount written back, Amount reserve calculated and Year to date provision made for
every financial year.

To generate the Provisions Report-Authorised Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans NPA Report > LN208 - Provisions Report-
Authorised.
4. The system displays the LN208 - Provisions Report- Authorised screen.

77
 LN208 - Provisions Report-Authorised

Field Description

Field Name Description

Enter the processing [Mandatory, dd/mm/yyyy]

date[DD/MM/YYYY]
Type the valid date for which the report is to be processed.

Enter the branch code [Mandatory, Numeric, Five]

Type the valid code of the branch for which the report needs to
be generated.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN208 - Provisions Report-Authorised screen.

6. Click the Generate button.
7. The system displays the message “Report Request Submitted”.
8. Click the OK button.
9. The system generates the Provisions Report-Authorised Report.

To view and print the Provisions Report-Authorised Report

1. Access the Advice/Report Status Enquiry (Fast Path: 7778) screen.
2. Select the check box corresponding to LN208 - Provisions Report-Authorised.
3. Click the View button to view the report.
4. The system displays the Provisions Report-Authorised Report screen.

78
 LN208 - Provisions Report-Authorised

79
 LN208 - Provisions Report-Authorised

5. Select the Print option from the File menu.

6. The system displays the Print dialog box.
7. Select the appropriate parameters and click the OK button.

80
 LN620 - Manual CRR override

LN620 - Manual CRR override

In the Account Classification Preference (Fast Path - AC001) option, a validity period can be
provided for excluding accounts from the Credit Risk Rating equalization process. The system
also permits you to modify the existing validity period if the end date is lesser than the current
process date. After the end of the validity period, the account is included in the CRR equalization
process.
This is the report for manual CRR overrides for the day. Each column of this report provides
details on Customer ID, Line Number, Account Number, Customer Name, Branch, Product, CRR
From, CRR To, Start Date, End date, User ID and Supervisor ID.

To generate the Manual CRR override report

1. Access the Report Request (Fast Path: 7775) screen.
2. Ensure that the Adhoc Reports button is selected.
3. Navigate through Loans > Loans NPA Report > LN620 - Manual CRR override.
4. The system displays the LN620 - Manual CRR override screen.

Field Description

Field Name Description

Branch Code [Mandatory, Numeric, Five]

Type a valid code of the branch for which the report needs to be
generated.

81
 LN620 - Manual CRR override

Field Name Description

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

5. Enter the appropriate parameters in the LN620 - Manual CRR override screen.
6. Click the Generate button.
7. The system displays the message “Report Request Submitted”. Click the OK button.
8. The system generates the Manual CRR override report. For reference, a specimen of the
report generated is given below:

82
 Loans NPA Report

83
 Loan Interests and Arrears Report

2.1.6. Loan Interests and Arrears Report

The Loans Interest and Arrears include the following:

List of Loans Interests and Arrears:

 LN300 - CASA Drawdown Failure Report

84
 LN300 - CASA Drawdown Failure Report

LN300 - CASA Drawdown Failure Report

This report gives information about the failure of draw downs attempted against the accounts for
the mentioned customer IDs.
The report outlines the arrear amount that is due, the sub limit type, the plan ID and the balance
in the CASA account that the draw down was performed on.

To generate the CASA Drawdown Failure Report

5. Access the Report Request (Fast Path: 7775) screen.
6. Ensure that the Adhoc Reports button is selected.
7. Navigate through Loans > Loans Interest and Arrears > LN300 - CASA Drawdown
Failure Report.
8. The system displays the LN300 - CASA Drawdown Failure Report screen.

85
 LN300 - CASA Drawdown Failure Report

Field Description

Field Name Description

Customer [Mandatory, Alphanumeric, 16]

ID
Specify the customer Id

Plan ID [Mandatory, Alphanumeric]

Type a valid location code.
Specify the plan ID.

Waived Service Charge [Optional, Check Box]

Select the check box to waive the service charge.

9. Enter the appropriate parameters in the LN300 - CASA Drawdown Failure Report
screen.
10. Click the Generate button.
11. The system displays the message “Report Request Submitted”. Click the OK button.
12. The system generates the CASA Drawdown Failure Report.
For reference, a specimen of the report generated is given below:

86
 LN300 - CASA Drawdown Failure Report

87
 Batch Reports

2.2. Batch Reports

Batch reports are automatically generated at the end of day (EOD) or beginning of day (BOD).
Reports and advices can be requested from the Report Request (Fast Path - 7775) screen.
Batch reports can only be generated using the system operator login.
The operator must run the cut-off process at the end of every day, before starting the end of the
day for that day. This is to ensure that all transactions done through the on-line delivery channels
are handed over to a log for batch processing. A fresh log is created for the next day’s
transactions. Here it is important to note that while the processing date from the point of view of
EOD processing is still today, the on-line processing date has moved to the next processing date
and the online transactions done after cut-off will be processed in the next day’s EOD.
EOD refers to the processing required to be done for each functional module of FLEXCUBE
Retail as well as some files that are generated for updating data in other local offices. The EOD
Client option is used to take care of the system related batch processes of cutoff, BOD, EOD,
monthly report generation and printing, file hand off, eligibility of the Relationship Pricing (RP),
etc.
Beginning of the Day (BOD) process opens a new transaction day for the Bank. BOD as a
process depends on EOD process for the previous working day. This means, if the EOD is not
completed for a day, system will not allow the BOD for the next day to start.

List of Batch Reports

 Loan EOD Reports
 Loans deviations Report
 Loans Daily Exception Reports
 Loans Interest and Arrears Report
 Loans Advices and Statements
 Loans Daily Transaction Reports
 Loans NPA Report

Access
 Fast Path: EOD10
 Operator Process > EOD/BOD Operations > EOD Processing

To generate batch reports

1. Take Pre Cutoff Backup before processing the EOD.
2. Log in to the FLEXCUBE Retail application with a valid System Operator Login ID.
3. The FLEXCUBE Retail window appears.
4. Access the EOD Client (Fast Path: EOD10) screen.

88
 Batch Reports

Field Description

Field Name Description

Process Category [Mandatory, Drop-Down]

Select the category of the process to be performed from the
drop-down list.
The options are:
 End of Day: It is a process where a fixed set of shell or
functionality are processed. A proper handoff of GL's to
FLEXCUBE Corporate, Consolidation etc. is done in the
EOD process. Interest related processing, GL Updations,
Draw-Down, Sweep-Outs, TD part redemption due to
Sweep-In instructions, report related processing are
done during the EOD processing.
 Beginning Of Day: It is process where in some
predefined functions are processed. The user can login
in the system after the BOD is completed. The validation
for BOD is that the previous day EOD should be
completed. For e.g. TD Maturity, Standing Instruction
(SI) Execution, etc.
 Cutoff: It is a process where the process date of the
system is changed to the next working day as
maintained in the bank calendar. All the transactions
entered in the system, till the point of cutoff, are picked
up for EOD processing. The validation for cutoff is that

89
 Batch Reports

Field Name Description

the previous day BOD should be completed.
 Transfer DB Scripts: This process was used earlier.
 Apply DB Scripts: This process was used earlier.
 Process CIF Handoff: This process is used to download
the customers and related tables which are opened in
other branch to the base branch of the customer. The
validation for CIF handoff is that the previous day BOD
should be completed.
 Schedule Extracts: It is a processed to extract specific
schedule and to have a proper handoff to the interface.
 MONTHLY STATEMENTS: This process is used to
generate the customer monthly statement in order to
stream line the time during the actual EOM process. This
process is run separately. This process can be run even
after the BOD process next day.
 Handoff After EOD: It is a processed to extract specific
schedule and to have a proper handoff to the interface.
 Elig Evaluation: It is a processed to evaluate the
eligibility of the RVT schemes.
 File Handoff: It is a processed to extract specific
schedule and to have a proper handoff to the interface.
 Automatic EFS for Converted Loan: This process is used
to close the loan accounts with Automatic EFS Date
falling on running day. If running of this process is
skipped on a particular day, such accounts falling due for
automatic closure on that day will be picked on next
working day process. Future dated closure or back dated
closure is not be supported. If the automatic closure date
falls on a holiday, then such accounts will be picked up
on the next working days process. All accounts
attempted for such system initiated closure will be
marked as Tried for both successful and failure cases.
The accounts which are marked as Tried will not be
picked up for further retries when the process is
attempted at the later dates.
 Mark for Write Off: In this process system displays the
“Accounts marked for write off are pending processing.
Cannot proceed” message for the account which are
marked for write off for which the write off process has
not been executed. If there are no accounts marked for
write off, FLEXCUBE will start the process of marking
accounts for write off based on the parameters defined.
The system displays the message "SUCCESS
MESSAGE" after the process is completed.
 Automatic Write Off: In this process system displays the
“No accounts marked for write off, Cannot Proceed”
message if no account is write off for which the write off

90
 Batch Reports

Field Name Description

process. Accounts manually marked for write off will be
fully written off irrespective of the present Credit Risk
Rating (CRR) status or the days past due. If the
accounts are marked for write off, FLEXCUBE will write
off the accounts if the accounts meet the eligibility
criteria as on the date of write off. Accounting entries
including off balance sheet entries will be passed by the
system pertaining to written off accounts. The system
displays the message "SUCCESS MESSAGE" after the
process is completed.

Category Status [Mandatory, Drop-Down]

Select the status of the category from the drop-down
list.
The status can be as follows:
 Yet to Start
 Started
 Aborted
 Completed

Process Date [Mandatory, Pick List, dd/mm/yyyy]

Select the process date from the pick list.
By default, this field displays the current process date for the
selected process.

Next Process Date [Mandatory, Pick List, dd/mm/yyyy]

Select the next process date from the pick list.
By default, this field displays the next logical working day on
which the process has to be run.

Column Name Description

State [Display]
This column displays a different color for different process state.
The different colour displayed are:
 Green - Run
 Red - Aborted
 Default - Other Status (Complete, Yet to Start)

Process Name [Display]

This column displays the name of different processes which are
performed.

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 Batch Reports

Column Name Description

Module Code [Display]

This column displays the code of the module on which the
process is performed.

Status [Display]
This column displays the status of the process performed.
The status can be as follows:
 Yet to Start
 Started
 Aborted
 Completed

Duration [Display]
This column displays the duration for which the process was
running, or when was the process completed.

5. Select Cutoff from the Process Category drop-down list.

6. Select the appropriate parameters in the EOD Client screen.
7. Click the Start button to start the cutoff process.
8. On successful completion of cutoff process, the system displays the message “Category
Successfully Completed”.
9. Click the OK button.
10. Select End of Day from the Process Category drop-down list.
11. Click the Start button to start the EOD process.
12. On successful completion of EOD process, the system displays the message “Category
Successfully Completed” and saves the reports in a folder in an appropriate location. For
e.g. /home/wasadmin/USGapsSTR1/flexcube/host/runarea/rjsout.

Note: Once this is done, the operator should logout completely out of the system and login
again. After the EOD Console is brought up again, the operator must check the process date
displayed at the bottom right hand corner of the status bar below. The date should have
moved to the next process date.

13. Take POSTEOD Backup for that process date before processing the BOD.
14. Select Beginning of Day from the Process Category drop-down list.
15. Click the Start button to start the EOD process.
16. On successful completion of BOD process, the system displays the message “Category
Successfully Completed” and saves the reports in a folder in an appropriate location. For
e.g. /home/wasadmin/USGapsSTR1/flexcube/host/runarea/rjsout.
17. Click the OK button.
18. Take POSTBOD Backup after executing the BOD.

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 Loan EOD Reports

2.2.1. Loan EOD Reports

The Loans EOD Reports includes reports specific to backdated transactions that are generated at
the end of the day.

List of Loan EOD Reports:

 LN020 - Accounts with backdated transactions today
 LN021 - Impact of backdated transaction on accounts
 SC010 - Fee Amortization Report

93
 LN020 - Accounts with backdated transactions today

LN020 - Accounts with backdated transactions today

For loan accounts, transactions can be put through with back value date. System will recalculate
interest whenever such back dated transactions are posted. To enable the branches to exercise
control over back dating, this report is generated daily as part of the end of the day process.
This report contains a list of loan accounts for which back value dated transactions have been
posted during the day. The back value date, amount, and other transaction related details are
provided and are grouped branch wise. Each column in this report provides information about the
Transaction Date, Account Number, Customer Name, Account Currency, Transaction Mnemonic,
Transaction Description, Transaction Currency, Transaction Amount, Teller ID, Timing,
Supervisor ID and Timing.

Frequency
 Daily (EOD)

To view and print Accounts with backdated transactions today report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loan EOD Reports > LN020 – Accounts with backdated
transactions today.
4. The system displays the LN020 – Accounts with backdated transactions today screen.

94
 LN020 - Accounts with backdated transactions today

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN020 – Accounts with backdated transactions
today screen.
6. Click the View button to view the report.
7. The system displays the Accounts with backdated transactions today report screen.

95
 LN020 - Accounts with backdated transactions today

96
 LN020 - Accounts with backdated transactions today

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

97
 LN021 - Impact of backdated transaction on accounts

LN021 - Impact of backdated transaction on accounts

Branches can post backdated transactions for loan accounts. The interest recalculation is done
by FLEXCUBE Retail in such cases. To know the list of back value dated transactions posted for
the day, this report is generated at the end of the day.
This is a report of back value dated transactions on loan accounts. Transactions are grouped
branch wise. Each column in this report provides details on Account Number, Customer Name,
Account Currency, Transaction Date, Transaction Post Date, Debit/ Credit Indicator, Transaction
Description, Transaction Currency and Transaction Amount.

Frequency
 Daily (EOD)

To view and print Impact of backdated transaction on accounts report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loan EOD Reports > LN021 – Impact of backdated
transaction on accounts.
4. The system displays the LN021 – Impact of backdated transaction on accounts screen.

98
 LN021 - Impact of backdated transaction on accounts

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN021 – Impact of backdated transaction on

accounts screen.
6. Click the View button to view the report.
7. The system displays the Impact of backdated transaction on accounts report screen.

99
 LN021 - Impact of backdated transaction on accounts

100
 LN021 - Impact of backdated transaction on accounts

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

101
 SC010 - Fee Amortization Report

SC010 - Fee Amortization Report

Amortisation of fee can be decided by the bank by using the Loan Plan Deduction Maintenance
(Fast Path - LNM22) option . Using the Amortisation Enquiry (Fast Path - LN023 )option, you
can view the account wise details for loan accounts like the amount of total charge/fees received,
the amount amortised and the balance amount details of each service charge / deduction levied
on the account. Alternatively, a report can also be generated for this purpose.
This is a fee amortisation report. Each column of the report provides details on Customer ID,
Customer Name, Loan Number, Open Date, Maturity Date, Total Provision Fee, Total Amortized
Amount and Total Balance to be Amortised. Product wise grouping of accounts is provided.

Frequency
 Daily (EOD)

To view and print Impact of backdated transaction on accounts report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loan EOD Reports > LN021 – Impact of backdated
transaction on accounts.
4. The system displays the LN021 – Impact of backdated transaction on accounts screen.

102
 SC010 - Fee Amortization Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN021 – Impact of backdated transaction on

accounts screen.
6. Click the View button to view the report.
7. The system displays the Impact of backdated transaction on accounts report screen.

103
 SC010 - Fee Amortization Report

104
 SC010 - Fee Amortization Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

105
 Loans Advices and Statements

2.2.2. Loans Advices and Statements

The Loans Advices and Statements include statements and advices specific to the loans
accounts that are sent to the customers.

List of Loans Advices and Statements:

 LN420 - Statement of Accounts
 LN004 - Rate Change Advice

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 Loans Advices and Statements

LN004 - Rate Change Advice

Depending upon the market condition, regulatory guideline and cost of funds, banks change the
key interest index rate which is linked to accounts. Whenever such changes in rate of interest is
proposed or effected , banks informs customer about the change.

This advice generated at the time of EOD about change in rate of interest, sent to the customer.
This advice provides details about Customer Name, Loan Account Number, Currency, Date
Opened, Serial Number, Effective Rate, Change Date, Interest Type, Current Rate and New
Rate.

Frequency
 Daily (EOD)

To view and print Rate Change Advice

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Advices and Statements > LN004-Rate Change
Advice.
4. The system displays the LN004-Rate Change Advice screen.

107
 Loans Advices and Statements

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the branch for which the report needs to be viewed from
the drop-down list.

5. Enter the appropriate parameters in the LN004-Rate Change Advice screen.

6. Click the View button to view the report.
7. The system displays the Rate Change Advice screen.

108
 Loans Advices and Statements

109
 Loans Advices and Statements

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

110
 Loans Advices and Statements

LN008 - Installment Reminder Advice

Installment Reminder advice is sent to the customer to provide details of the installments to be
paid for the loan account.
This advice provides information on Account number, Customer name, Date of installment and
Outstanding installment amount.

Frequency
 Daily (EOD)

To view and print Installment Reminder Advice

5. Access the Report Request (Fast Path: 7775) screen.
6. Select the Batch Reports button.
7. Navigate through Loans > Loans Advices and Statements > LN008- Installment
Reminder Advice.
8. The system displays the LN008- Installment Reminder Advice screen.

111
 Loans Advices and Statements

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the branch for which the report needs to be viewed from
the drop-down list.

8. Enter the appropriate parameters in the LN008-Installment Reminder Advice screen.

9. Click the View button to view the report.
10. The system displays the Installment Reminder Advice screen.

112
 Loans Advices and Statements

113
 Loans Advices and Statements

11. On the File menu, click Print.

12. The system displays the Print dialog box.
13. Select the appropriate parameters and click the OK button.

114
 Loans Advices and Statements

LN420 - Statement of Accounts

There are multiple financial transactions like deposits, disbursements, fund transfers, service
charges, etc. that take place in a loan account. Some of these are customer initiated, while others
may be done by the bank to recover charges, interest, etc. The customer needs to get a list of
such transactions that have taken place in the account, along with the key transaction details like
date transacted, description, total arrears and its breakup. Hence a statement of all financial
transactions that has taken place in a loan account is generated periodically, and mailed to the
customer. The statement of accounts can also be generated online.
This is a report of statement for loan accounts. The statement contains customer id/ name,
Address, Account Number, Sector Name, Product Code/ Name, Accrued interest till date,
Transaction date, Value Date, Particulars, Debit/credit transactions , and the Balance. Debit and
credit summation is also provided. In addition, current arrears details and the break-up of arrears
and total arrears are also listed.

Frequency
 Daily (EOD)

To view and print Statement of Accounts Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Advices and Statements > LN420 - Statement of
Accounts.
4. The system displays the LN420 - Statement of Accounts screen.

115
 Loans Advices and Statements

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN420 - Statement of Accounts screen.

6. Click the View button to view the report.
7. The system displays theStatement of Accounts Report screen.

116
 Loans Advices and Statements

117
 Loans Advices and Statements

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

118
 Loans Daily Exception Reports

2.2.3. Loans Daily Exception Reports

The Loans Daily Exception Reports includes those accounts that are exempted or excluded for
certain details as a special case.

List of Loans Daily Exception Reports:

 LN103 - LN Rejected Transactions Report
 LN252 - Collateral Inadequacy Report
 LN252 - Collateral Inadequacy Report
 LN299 - Loan Recession Report
 LN304 - LN Accounts with Credit Balance
 LN305 - LN Rate Change Rejections
 LN629 - Interest Freeze Report For Failed Accounts

119
 LN103 - LN Rejected Transactions Report

LN103 - LN Rejected Transactions Report

Branches process many transactions during the day on loan accounts. For some reasons if the
financial transactions input by the branches get rejected, then this report is generated at the end
of the day. The rejection reason is also shown in this report.
This is a loan accounts rejected transactions report. Accounts are grouped product wise and
currency wise. Each column in this report provides information about Account Number,
Transaction Code, Transaction Sequence Number, Value Date, Cheque Number, Debit/Credit
indicator, name, Reason for rejection and Transaction amount.

Frequency
 Daily (EOD)

To view and print LN Rejected Transactions Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Exception Reports > LN103 - LN Rejected
Transactions Report.
4. The system displays the LN103 - LN Rejected Transactions Report screen.

120
 LN103 - LN Rejected Transactions Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed from the drop-down list.

5. Enter the appropriate parameters in the LN103 - LN Rejected Transactions Report

screen.
6. Click the View button to view the report.
7. The system displays the LN Rejected Transactions Report screen.

121
 LN103 - LN Rejected Transactions Report

122
 LN103 - LN Rejected Transactions Report

8. Select the Print option from the File menu.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

123
 LN252 - Collateral Inadequacy Report

LN252 - Collateral Inadequacy Report

Loan limits are sanctioned based on the collateral values offered, subject to the margins. Due to
various reasons like non repayment, erosion of collateral securities, revaluation of collateral, etc.
there could be a possibility that Loan balances are more than the collateral values. This report is
generated to compare the loan outstanding with the inadequate collateral security values.
This is a list of loan accounts for which the collateral securities are inadequate to cover the
balance. Accounts are grouped product and currency wise and the totals are given. Each column
of this report provides details of Loan Account, Customer Name, Sanctioned Amount,
Outstanding Amount, Primary Collateral, Secondary Collateral, Lendable Amount, and Available
Collateral.

Frequency
 Daily (BOD)

To view and print Collateral Inadequacy Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Exception Reports > LN252 – Collateral
Inadequacy Report.
4. The system displays the LN252 – Collateral Inadequacy Report screen.

124
 LN252 - Collateral Inadequacy Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN252 – Collateral Inadequacy Report screen.
6. Click the View button to view the report.
7. The system displays the Collateral Inadequacy Report screen.

125
 LN252 - Collateral Inadequacy Report

126
 LN252 - Collateral Inadequacy Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

127
 LN252 - Collateral Inadequacy Report

LN252 - Collateral Inadequacy Report

Loan limits are sanctioned based on the collateral values offered, subject to the margins. Due to
various reasons like non repayment, erosion of collateral securities, revaluation of collateral, etc.
there could be a possibility that Loan balances are more than the collateral values. This report is
generated to compare the loan outstanding with the inadequate collateral security values.
This is a list of loan accounts for which the collateral securities are inadequate to cover the
balance. Accounts are grouped product and currency wise and the totals are given. Each column
of this report provides details of Loan Account, Customer Name, Sanctioned Amount,
Outstanding Amount, Primary Collateral, Secondary Collateral, Lendable Amount, and Available
Collateral.

Frequency
 Daily (EOD)

To view and print Collateral Inadequacy Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Exception Reports > LN252 – Collateral
Inadequacy Report.
4. The system displays the LN252 – Collateral Inadequacy Report screen.

128
 LN252 - Collateral Inadequacy Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN252 – Collateral Inadequacy Report screen.
6. Click the View button to view the report.
7. The system displays the Collateral Inadequacy Report screen.

129
 LN252 - Collateral Inadequacy Report

130
 LN252 - Collateral Inadequacy Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

131
 LN299 - Loan Recession Report

LN299 - Loan Recession Report

Loans Recession is done when the customer/bank wants to close the loan account within a
certain number of days from the last disbursement date, without any financial impact to the bank
or customer. Alternatively, any teller error can be reversed using this option. This facility to
rescind the loan is offered within a certain number of working days after the disbursement of the
loan. Recession implies reversal of all entries passed during disbursement. If the customer wants
to cancel the loan within the recession period, then all the deduction and the interest
accrued/charged on the account will be reversed by the system.
This is a loan recession report. The loan accounts are grouped product wise and currency wise
and net totals on recission amount are provided. Each column of the report provides information
on Account Number, Customer Name, Account Officer, Authoriser ID, Teller ID, Transaction
Details, Last Disbursement Date, Value Date, Transaction Key, Disbursed Amount, Net
Disbursed Amount and Recission Amount .

Frequency
 Daily (EOD)

To view and print LN299 - Loan Recession Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Exception Reports >LN299 - Loan Recession
Report .
4. The system displays the LN299 - Loan Recession Report screen.

132
 LN299 - Loan Recession Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN299 - Loan Recession Report report screen.
6. Click the View button to view the report.
7. The system displays the Loan Recession Report.

133
 LN299 - Loan Recession Report

134
 LN299 - Loan Recession Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

135
 LN304 - LN Accounts with Credit Balance

LN304 - LN Accounts with Credit Balance

There can be cases where the customer has paid more than the scheduled repayment amount,
or the installment is paid in advance. This report lists all such loan accounts where advance
amount has been paid by the customer.
This report gives details of loan accounts with credit balance. The accounts are grouped by
product and currency and totals are provided for principal balance and advance amount. Each
column in this report provides information about the Loan Account Number, Customer Name,
Account Officer, Account Status, Next Due Date, Installment Amount, Principal Balance, Advance
Amount and Unearned Interest.

Frequency
 Daily (EOD)

To view and print LN Accounts with Credit Balance

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Exception Reports >LN304 - LN Accounts with
Credit Balance .
4. The system displays the LN304 - LN Accounts with Credit Balance screen.

136
 LN304 - LN Accounts with Credit Balance

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN304 - LN Accounts with Credit Balance
screen.
6. Click the View button to view the report.
7. The system displays the LN Accounts with Credit Balance.

137
 LN304 - LN Accounts with Credit Balance

138
 LN304 - LN Accounts with Credit Balance

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

139
 LN305 - LN Rate Change Rejections

LN305 - LN Rate Change Rejections

Branches can change rate of interest for loan accounts even with value date. The system will
recalculate the interest and do the interest adjustments. This EOD report helps the branches to
find out the interest rate rejections by the system along with the reasons.
This report gives details of interest rate change rejections for loan accounts. Each column in this
report provides information about the Entity, Entity Code, Account Number, Effective Date and
Reject Reason .

Frequency
 Daily (EOD)

To view and print LN Accounts with Credit Balance Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Exception Reports >LN305 - LN Rate Change
Rejections .
4. The system displays the LN305 - LN Rate Change Rejections report screen.

140
 LN305 - LN Rate Change Rejections

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN305 - LN Rate Change Rejections report
screen.
6. Click the View button to view the report.
7. The system displays the LN Rate Change Rejections.

141
 LN305 - LN Rate Change Rejections

142
 LN305 - LN Rate Change Rejections

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

143
 LN629 - Interest Freeze Report For Failed Accounts

LN629 - Interest Freeze Report For Failed Accounts

In FLEXCUBE, the interest deferment functionality is supported through Generic External File
Upload (GEFU). The interest deferment term is defined in months from the current process date.
On the date of file upload with the list of accounts whose interest are to be deferred, all the
accounts listed in the file will be deferred by introducing a “Moratorium stage” in the loan account.
The rate of interest will be “zero percent”.
This is a report of failed accounts for Interest Freeze through GEFU. Each column of the report
provides details on Serial number, Customer Information File number, Loan Account Number,
Product Code, Product Name, Principal Balance, Arrears break-up of- Principal, Interest, Penalty,
Interest Accrued and Reason for failure. The totals for the principal, arrears and interest accrued
are provided.

Frequency
 Daily (EOD)

To view and print Interest Freeze Report For Failed Accounts

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Exception Reports > LN629 - Interest Freeze
Report For Failed Accounts.
4. The system displays the LN629 - Interest Freeze Report For Failed Accounts screen.

144
 LN629 - Interest Freeze Report For Failed Accounts

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN629 - Interest Freeze Report For Failed
Accounts screen.
6. Click the View button to view the report.
7. The system displays the Interest Freeze Report For Failed Accounts

145
 LN629 - Interest Freeze Report For Failed Accounts

146
 LN629 - Interest Freeze Report For Failed Accounts

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

147
 Loans Daily Transaction Reports

2.2.4. Loans Daily Transaction Reports

The Loans Daily Transaction Reports includes reports specific to the loans transactions carried
on a particular day.

List of Loans Daily Transaction Reports:

 LN015 - Cheques Pending List(loans only)
 LN051 - Accounts with backdated Interest Rate Change today
 LN101 - Posted Loan Transactions Report
 LN102 - Posted Transactions Summary
 LN111 - Savings Account Handoff
 LN115 - Failed Internal Debits
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT
 ln163 - report on accounts closed today
 LN166 - Loans Balances Listing
 LN201 - Loans Accounts Opened Today
 LN204 - Disbursements Made Today
 LN236 - Loans Disbursements Pending
 LN239 - Matured Loans with Arrears
 LN239 - Matured Loans with Arrears
 LN257 - Insurance Premium collected report
 LN257 - Insurance Premium collected Report
 LN401 - Adjustment Transactions Report
 LN611 - Accounts successfully written off
 LN613 - Success or Failure of EFS
 LN630 - Interest Freeze Report
 LN800 - Colleteral summary
 LN801- Restructuring Loan
 LN802 - Pre collection Report
 LN805 - Secured Loan account Colleteral Maintenance
 LN806 - Reappraisal Collatteral report
 BA028 - Transactions on deceased customers
 CH024 - Report for cash card acts with interest waiver
 CH025 - Product Transfer Report
 LN015 - Cheques Pending List(loans only)
 LN024 - Customer Correspondences And Interest Rate Change Intimation
 LN025 - Loan Disbursement Due Report

148
 Loans Daily Transaction Reports

 LN026 - Semi Automatic Loan Disbursement Due Report

 LN612 - List of accounts write off – unsuccessful

149
 LN015 - Cheques Pending List(loans only)

LN015 - Cheques Pending List(loans only)

Branches lodge clearing cheques for credit to loan accounts. The clearing value date can be
defined as per the requirement of the branch. On the date of clearing, subject to clearing return
cheques, amount is credited to the loan account. This is a snapshot report to identify the list of
cheques pending for clearing generated at EOD.
This is a report of cheques pending, for clearing and for loan accounts only. Cheques are
grouped branch wise and the cheque details are provided. Each column in this report provides
information about User Id, Branch code, Bank Code, Account No, Deposited Date, Value Date,
Cheque No, TCY, and Cheque Amount (in TCY).

Frequency
 Daily (EOD)

To view and print Cheques Pending List(loans only)Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN015 – Cheques
Pending List(loans only).
4. The system displays the LN015 – Cheques Pending List(loans only) screen.

150
 LN015 - Cheques Pending List(loans only)

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
The date for which the report is processed. Type a valid
process date.

Branch Code [Mandatory, Drop-Down]

The code of the branch for which the report needs to be viewed.
Select a valid branch code.

5. Enter the appropriate parameters in the LN015 – Cheques Pending List(loans only)
screen.
6. Click the View button to view the report.
7. The system displays the Cheques Pending List(loans only) Report screen.

151
 LN015 - Cheques Pending List(loans only)

152
 LN015 - Cheques Pending List(loans only)

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

153
 LN051 - Accounts with backdated Interest Rate Change today

LN051 - Accounts with backdated Interest Rate Change today

In case of a backdated interest rate change at the account level, the system regenerates a new
schedule with the new interest and installments with effect from the effective date of rate change.
The accounts are rescheduled by either keeping the Term constant or the Installment amount
constant. The system will recalculate interest, penal interest, raise new arrears with the revised
calculation, etc.
This report provides the details of all backdated interest rate change done during the day for loan
accounts. Each column of the report provides information on Effective Date, Account Number,
Customer Name, Account Currency, Product Code, Old Interest Rate, New Interest Rate, Teller
ID, Timing, Supervisor ID and Timing.

Frequency
 Daily (EOD)

To view and print Accounts with backdated Interest Rate Change today Report
1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN051 - Accounts with
backdated Interest Rate Change today.
4. The system displays the LN051 - Accounts with backdated Interest Rate Change today
screen.

154
 LN051 - Accounts with backdated Interest Rate Change today

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN051 - Accounts with backdated Interest Rate
Change today screen.
6. Click the View button to view the report.
7. The system displays the Accounts with backdated Interest Rate Change today Report
screen.

155
 LN051 - Accounts with backdated Interest Rate Change today

156
 LN051 - Accounts with backdated Interest Rate Change today

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

157
 LN101 - Posted Loan Transactions Report

LN101 - Posted Loan Transactions Report

During a business day, multiple financial transactions take place in loan accounts. There may be
disbursements, deposits by cash, cheque, etc and fund transfers. This report lists all transactions
posted throughout the day to loan accounts.
This report gives a product and currency wise list of all the loan transactions posted for a
particular day. The total Debit/Credit transactions for the day grouped by product and currency
are provided. Each column in this report provides information about the Account Number,
Customer, Cheque Number/Transfer Account, Authoriser ID, Teller ID, Transaction Description,
Transaction Date, Value Date, Transaction Key, Transaction Currency, Debit/Credit Indicator,
Amount in Transaction Currency, Amount in Account Currency and Amount in Local Currency .

Frequency
 Daily (EOD)

To view and print Posted Loan Transactions Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN101 - Posted Loan
Transactions Report .
4. The system displays the LN101 - Posted Loan Transactions Report screen.

158
 LN101 - Posted Loan Transactions Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN101 - Posted Loan Transactions Report
screen.
6. Click the View button to view the report.
7. The system displays the Posted Loan Transactions Report screen.

159
 LN101 - Posted Loan Transactions Report

160
 LN101 - Posted Loan Transactions Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

161
 LN102 - Posted Transactions Summary

LN102 - Posted Transactions Summary

All the transactions posted into loan accounts during the day are consolidated to provide a
summary. Such a branch wise summary report of loan accounts transactions for the day helps in
tallying the days work with respective product GLs.
This is a loan GL-handoff report of summary of loan transactions for the day. The transactions are
grouped product wise and currency wise. The product name and currency descriptions are
provided. Each column in this report provides information about the Transaction Branch, GL
Account Code, GL Code Description, Transaction Currency, Debit Details like Total Number of
Debits Transaction, Amount in Account Currency and Amount in Local Currency and Credit
details like Total Number of Credits Transaction, Amount in Account Currency, Amount in Local
Currency. It also displays Debit/Credit Totals product wise along with the Total Number of
Transactions for the day.

Frequency
 Daily (EOD)

To view and print Posted Transactions Summary Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN102 – Posted
Transactions Summary.
4. The system displays the LN102 – Posted Transactions Summary screen.

162
 LN102 - Posted Transactions Summary

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN102 – Posted Transactions Summary screen.
6. Click the View button to view the report.
7. The system displays the Posted Transactions Summary Report screen.

163
 LN102 - Posted Transactions Summary

164
 LN102 - Posted Transactions Summary

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

165
 LN111 - Savings Account Handoff

LN111 - Savings Account Handoff

In branches there could be many of transactions for loan accounts denominated in currencies and
there can be transfers to/from CASA accounts. These transactions must be summarised product
wise for eventual posting to GL. This report provides a summary of such transactions to be
posted to GL.
This is a summary report of loan transactions for the day to savings accounts. The transactions
are grouped product wise and currency wise. The debit/credit totals for the day per product and
per currency are provided. Each column of this report provides information about Account
Number, Customer, Transfer Account, Authoriser ID, Teller ID, Transaction Description,
Transaction Date, Value Date, Transaction Key, Debit/Credit Indicator, Transaction Currency,
Amount in Transaction Currency, Amount in Account Currency and Amount in Local Currency.

Frequency
 Daily (EOD)

To view and print Savings Account Handoff Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN111 – Savings
Account Handoff.
4. The system displays the LN111 – Savings Account Handoff screen.

166
 LN111 - Savings Account Handoff

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN111 – Savings Account Handoff screen.
6. Click the View button to view the report.
7. The system displays the Savings Account Handoff Report screen.

167
 LN111 - Savings Account Handoff

168
 LN111 - Savings Account Handoff

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

169
 LN115 - Failed Internal Debits

LN115 - Failed Internal Debits

The Account Payments Instructions option enables you to set up the instructions for loan
repayment in the mode preferred by the customer. You can choose any option from the
repayment mode as per the instruction given by the customer; i.e., either the bank can transfer
the amount from CASA, or recover the amount from the salary during salary upload. Unlike
standing instructions the system will invoke the funds transfer as and when the arrears are raised
in the loan account. This provides the flexibility to the customer to ensure that arrears raised are
settled as and when raised. If the installment due date falls on a holiday, the system will perform
the drawdown as per the set up i.e. whether the drawdown processing should be done on the day
before or day after holiday. Other drawdown parameters like drawdown behavior (Full payment
only, partial amount allowed etc), drawdown in EOD /BOD, the Retry option and the Number of
retries are defined in the Loans Product Master Maintenance (Fast Path - LNM11) option.
This is a report of failed internal debits for the given day. The transactions are grouped product
wise. Each column of the report provides details on Loan account number, Customer name,
Authoriser ID, transaction code, batch number, transaction branch, user number, transaction
sequence number, Value Date, Debit/Credit, Transaction currency , Remitting transaction
amount, drawdown amount, Remit account number, Remit account name and Remit branch.

Frequency
 Daily (EOD)

To view and print Failed Internal Debits Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN115 - Failed Internal
Debits.
4. The system displays the LN115 - Failed Internal Debits screen.

170
 LN115 - Failed Internal Debits

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN115 - Failed Internal Debits screen.
6. Click the View button to view the report.
7. The system displays the Failed Internal Debits Report screen.

171
 LN115 - Failed Internal Debits

172
 LN115 - Failed Internal Debits

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

173
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

Loan accounts are classified depending on the conduct of the account. Based on the
classification of assets, interest accruals, income recognition and provisioning are made. For the
branches to have control over loan portfolio, and movements the summary of total credits/debits
is provided product wise and General ledger (GL) code wise.
This is a summary report of loan balance movements for the day. The details are grouped GL
code wise, product wise and currency wise. The product descriptions, currency descriptions, and
the GL totals are provided. Each column in this report provides information about Account
Number, Accrual Status, Number of Debit Transactions, Debit Amount in account currency, Debit
Amount in local currency, Number of Credit Transactions, Credit Amount in account currency and
Credit Amount in local currency.

Frequency
 Daily (EOD)

To view and print LOAN BALANCE MOVEMENTS BY PRODUCT REPORT

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN162 - LOAN
BALANCE MOVEMENTS BY PRODUCT.
4. The system displays the LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT
screen.

174
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed from the drop-down list.

5. Enter the appropriate parameters in the LN162 - LOAN BALANCE MOVEMENTS BY

PRODUCT screen.
6. Click the View button to view the report.
7. The system displays the LOAN BALANCE MOVEMENTS BY PRODUCT REPORT
screen.

175
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

176
 LN162 - LOAN BALANCE MOVEMENTS BY PRODUCT

8. Select the Print option from the File menu.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

177
 LN163 - Report on Accounts Closed Today

LN163 - Report on Accounts Closed Today

Once Loan final settlement is made by the customer, the system marks the account as closed
today. The system then passes the general ledger entries and closes the account at the end of
the day. No further transactions or processing will occur on the closed account. This report helps
the branches to identify the status of the closed loan accounts and the loan document status.
This report provides a list of loan accounts that have been closed in the day. Accounts are
grouped product wise and currency wise, and the status of the account after closure is also
provided. Each column in this report provides information about the Account number, Customer
short name, Account officer ID, Maturity date, Closure date and Account status.

Frequency
 Daily (EOD)

To view and print Report on Accounts Closed Today

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN163 – Report on
Accounts Closed Today.
4. The system displays the LN163 – Report on Accounts Closed Today screen.

178
 LN163 - Report on Accounts Closed Today

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN163 – Report on Accounts Closed Today
screen.
6. Click the View button to view the report.
7. The system displays the Report on Accounts Closed Today screen.

179
 LN163 - Report on Accounts Closed Today

180
 LN163 - Report on Accounts Closed Today

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

181
 LN166 - Loans Balances Listing

LN166 - Loans Balances Listing

During the course of the day several transactions are posted to loan accounts which affect the
balances/ arrears / Credit Risk Rating movements. The Account Transaction Enquiry (Fast
Path - LNM10) option displays the balance and transaction details. This adhoc report generated
provides details of the loan accounts belonging to various products. This helps in monitoring the
accounts and effective follow-up for repayments.
This report provides product-wise details of different balances pertaining to loan accounts
(outstanding balance, unearned interest, disbursed amount, sanctioned amount and advance
payments received). This report is grouped product-wise. Each column of this report provides
details on Account Number, Customer Name, Sanctioned Amount, Disbursed Amount, Net
Disbursed Amount, Outstanding Principal, Repayment Pending Appropriation Amount, Total
Outstanding, Principal Arrears suspended, Interest Arrears, Penalty Arrears, Post Maturity
Interest Arrears, Fee Arrears, Legal Arrears, Outgoing Arrears, Premium Arrears and Computed
Accrued Amount.

Frequency
 Daily (EOD)

To view and print the Loans Balances Listing Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN166 – Loans
Balances Listing.
4. The system displays the LN166 – Loans Balances Listing screen.

182
 LN166 - Loans Balances Listing

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN166 – Loans Balances Listing screen.
6. Click the View button.
7. The system displays the Loans Balances Listing Report screen.

183
 LN166 - Loans Balances Listing

184
 LN166 - Loans Balances Listing

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

185
 LN201 - Loans Accounts Opened Today

LN201 - Loans Accounts Opened Today

The Loan product Maintenance (Fast Path - LNM11) option allows setting up different types of
products at the bank level by defining various product parameters such as interest processing,
Penalty Interest, Repayment Schedule, Disbursement parameters, etc. Once the products are
defined, the Loan accounts can be opened either from APS or using the Loan Account Opening
(Fast Path - LN057) option. The loan accounts opened during the day can be monitored by this
EOD batch report.
The loan accounts are grouped product wise and currency wise in this report. The total number of
accounts opened for the day with total sanctioned and disbursed amount is given. Each column in
this report provides information about the Account Number, Customer Name, Sanction Date,
Offer Date, Acceptance Date, Sanction Amount, Officer ID, Term in Months, Application Number,
Acceptance Expiry Date, and Disbursed Amount.

Frequency
 Daily (EOD)

To view and print the Loans Accounts Opened Today Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN201 - Loans
Accounts Opened Today.
4. The system displays the LN201 - Loans Accounts Opened Today screen.

186
 LN201 - Loans Accounts Opened Today

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN201 - Loans Accounts Opened Today screen.
6. Click the View button.
7. The system displays the Loans Accounts Opened Today Report screen.

187
 LN201 - Loans Accounts Opened Today

188
 LN201 - Loans Accounts Opened Today

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

189
 LN204 - Disbursements Made Today

LN204 - Disbursements Made Today

The life of the loan account starts with the loan disbursement into an account. The disbursement
can happen after the account has been created. The first disbursement for an account should
happen before a specified number of days after the account is opened. This is a parameter
defined at the product level. This report provides details of the disbursements made for the day
which include first, progressive and final disbursements.
This is an end of the day batch report on Disbursements made today. Each column of the report
provides information on Account Number, Amount Disbursed, Gross Amount Disbursed (ACY),
Transaction Currency, Net Amount Disbursed, Amount Deducted, Amount Debited, Amount
Billed, Loan Account Name, Cheque Number, Branch, Account Number, Name, Pay Mode,
Schedule Type, Term, Interest Rate, User Id and Supervisor Id. It also provides the total number
of disbursements for the day.

Frequency
 Daily (EOD)

To view and print the Disbursements Made Today Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN204 - Disbursements
Made Today.
4. The system displays the LN204 - Disbursements Made Today screen.

190
 LN204 - Disbursements Made Today

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN204 - Disbursements Made Today screen.
6. Click the View button.
7. The system displays the Disbursements Made Today Report screen.

191
 LN204 - Disbursements Made Today

192
 LN204 - Disbursements Made Today

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

193
 LN236 - Loans Disbursements Pending

LN236 - Loans Disbursements Pending

Various loan accounts are opened by the branches under various products. At the time of
opening of loan accounts, disbursement schedules are attached to the loan accounts. Based on
the disbursement schedule, loan amounts are disbursed. There could be fully disbursed or
partially disbursed loan accounts in a branch. This report lists the partially disbursed loans.
This report lists the loan account numbers for which disbursements are pending. Product wise
and currency wise pending disbursement loan accounts are listed. The total number of accounts,
total sanctioned, disbursed, and pending disbursal amount are also shown. Each column in this
report provides information about the Account Number, Customer Name, Officer ID, Date
Opened, Sanctioned Amount, Amount Disbursed, Amount Undisbursed, First Disbursement Date,
Last Disbursement Date and Remarks .

Frequency
 Daily (EOD)

To view and print Loans Disbursements Pending Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN236 - Loans
Disbursements Pending.
4. The system displays the LN236 - Loans Disbursements Pending screen.

194
 LN236 - Loans Disbursements Pending

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN236 - Loans Disbursements Pending screen.
6. Click the View button to view the report.
7. The system displays the Loans Disbursements Pending Report screen.

195
 LN236 - Loans Disbursements Pending

196
 LN236 - Loans Disbursements Pending

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

197
 LN239 - Matured Loans with Arrears

LN239 - Matured Loans with Arrears

While opening loan accounts, repayment schedules are generated and the loan accounts are to
be closed on the repayment end date. In case customers fail to repay, loan accounts will show
arrears and the account would not be closed on the due date. For the branches to know the loan
status at the end of the loan maturity period, this report is generated at the end of the day.
This report lists the matured loan accounts with their total arrears due. Accounts are grouped by
product and currency. Product wise total sanctioned amount, total principal, and arrears are
provided. Each column of the report provides information about Account Number, Customer
Name, Account Officer, Sanctioned Amount, Maturity date, Principal Balance, and Total Arrears.

Frequency
 Daily (BOD)

To view and print Matured Loans with Arrears Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN239 – Matured Loans
with Arrears.
4. The system displays the LN239 – Matured Loans with Arrears screen.

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 LN239 - Matured Loans with Arrears

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN239 – Matured Loans with Arrears screen.
6. Click the View button to view the report.
7. The system displays the Matured Loans with Arrears Report screen.

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 LN239 - Matured Loans with Arrears

200
 LN239 - Matured Loans with Arrears

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

201
 LN239 - Matured Loans with Arrears

LN239 - Matured Loans with Arrears

While opening loan accounts, repayment schedules are generated and the loan accounts are to
be closed on the repayment end date. In case customers fail to repay, loan accounts will show
arrears and the account would not be closed on the due date. For the branches to know the loan
status at the end of the loan maturity period, this report is generated at the end of the day.
This report lists the matured loan accounts with their total arrears due. Accounts are grouped by
product and currency. Product wise total sanctioned amount, total principal, and arrears are
provided. Each column of the report provides information about Account Number, Customer
Name, Account Officer, Sanctioned Amount, Maturity date, Principal Balance, and Total Arrears.

Frequency
 Daily (EOD)

To view and print Matured Loans with Arrears Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN239 – Matured Loans
with Arrears.
4. The system displays the LN239 – Matured Loans with Arrears screen.

202
 LN239 - Matured Loans with Arrears

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN239 – Matured Loans with Arrears screen.
6. Click the View button to view the report.
7. The system displays the Matured Loans with Arrears Report screen.

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 LN239 - Matured Loans with Arrears

204
 LN239 - Matured Loans with Arrears

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

205
 LN257 - Insurance Premium collected Report

LN257 - Insurance Premium collected Report

A deduction plan can be maintained by using Loan Deduction Plan Maintenance (Fast
Path:LNM22) option and it is attached to the loan product by Product Master Maintenance (Fast
Path: LNM11) option at loan account opening. This comprises of various types of deductions like
service charges, installments and insurance premiums applicable to loan accounts. All deductions
are defined under a deduction plan and it can be linked to one or more loan products. At the time
of loan disbursement, the deductions will be effected.
This is a report of insurance premium collected for loan accounts. Each column of this report
provides information about Account Number, Customer Name, Policy Number, Account Currency
Name, Premium Amount in Account Currency and Premium Amount in Local Currency.

Frequency
 Daily (BOD)

To view and print Insurance Premium collected Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN257 – Insurance
Premium Collected Report.
4. The system displays the LN257 – Insurance Premium Collected Report screen.

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 LN257 - Insurance Premium collected Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN257 – Insurance Premium Collected Report
screen.
6. Click the View button to view the report.
7. The system displays the Insurance Premium collected Report screen.

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 LN257 - Insurance Premium collected Report

208
 LN257 - Insurance Premium collected Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

209
 LN257 - Insurance Premium collected Report

LN257 - Insurance Premium collected Report

A deduction plan can be maintained by using Loan Deduction Plan Maintenance (Fast Path:
LNM22) option and it is attached to the loan product by Product Master Maintenance (Fast
Path: LNM11) option at loan account opening. This comprises of various types of deductions like
service charges, installments and insurance premiums applicable to loan accounts. All deductions
are defined under a deduction plan and it can be linked to one or more loan products. At the time
of loan disbursement, the deductions will be effected.
This is a report of insurance premium collected for loan accounts. Each column of this report
provides information about Account Number, Customer Name, Policy Number, Account Currency
Name, Premium Amount in Account Currency and Premium Amount in Local Currency.

Frequency
 Daily (EOD)

To view and print Insurance Premium collected Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN257 – Insurance
Premium Collected Report.
4. The system displays the LN257 – Insurance Premium Collected Report screen.

210
 LN257 - Insurance Premium collected Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN257 – Insurance Premium Collected Report
screen.
6. Click the View button to view the report.
7. The system displays the Insurance Premium collected Report screen.

211
 LN257 - Insurance Premium collected Report

212
 LN257 - Insurance Premium collected Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

213
 LN401 - Adjustment Transactions Report

LN401 - Adjustment Transactions Report

Branches perform interest adjustment transactions on loan accounts using Interest Adjustment
Transaction (Fast Path: BAM57) option. This report lists all such adjustment transactions with
product wise net debit/credit totals.
This is a loan account adjustment transactions report. The accounts are grouped product wise
and currency wise. The net debit/credit total amount is provided. Each column in the report
provides information about Account Number, Customer Name, Cheque Number/Transfer
Account, Authoriser ID, Teller ID, Transaction Description, Transaction Date, Value Date,
Transaction Key, Debit/Credit Indicator, Transaction Currency, Amount in Transaction Currency,
Amount in Account Currency and Amount in Local Currency.

Frequency
 Daily (EOD)

To view and print Adjustment Transactions Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN401 – Adjustment
Transactions Report.
4. The system displays the LN401 – Adjustment Transactions Report screen.

214
 LN401 - Adjustment Transactions Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN401 – Adjustment Transactions Report

screen.
6. Click the View button to view the report.
7. The system displays the Adjustment Transactions Report screen.

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 LN401 - Adjustment Transactions Report

216
 LN401 - Adjustment Transactions Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

217
 LN611 - Accounts successfully written off

LN611 - Accounts successfully written off

You can initiate a Batch process wherein the system will automatically mark
loan/overdraft/overdrawn CASA accounts for write off based on the write off parameters defined
by the bank. This is maintained by the Automatic Writeoff Account Maintenance (Fast Path -
AC005) option. You can also make modifications like unmark accounts already marked for write
off and mark fresh accounts for write off. On the designated day for write off, the user will trigger
the write off process. During write off process the system will perform automatic process of full
write off of the accounts marked for write off. GL accounting entries including Off Balance Sheet
entries will be automatically passed by the system depending on the parameters defined by the
bank.
This report is a successful list of write off accounts. Each column of the report provides
information on Customer ID, Account number, Customer Name, Branch code, Branch Name,
Product code, Date Of Write-off, Amount debited to bad debts, Principal balance, Interest and
Penalty.

Frequency
 Daily (EOD)

To view and print Accounts successfully written off report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN611 - Accounts
successfully written off.
4. The system displays the LN611 - Accounts successfully written off screen.

218
 LN611 - Accounts successfully written off

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN611 - Accounts successfully written off
screen.
6. Click the View button to view the report.
7. The system displays the Accounts successfully written off report screen.

219
 LN611 - Accounts successfully written off

220
 LN611 - Accounts successfully written off

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

221
 LN613 - Success or Failure of EFS

LN613 - Success or Failure of EFS

In case of converted loan accounts, the actual maturity date and the last installment date can
differ. In such cases, if there are regular payments for the account, then on the last installment
date, the system would close the account. On the other hand, if there are arrears in the account,
1
the system would attempt Early and Final Settlement (EFS) on the account based on the last
installment payment date. On executing a separate process called ‘Automatic EFS of Loans’, all
converted loan accounts with ‘Automatic EFS Date’ falling on the run day will be closed. If this
running process is skipped on a particular day or on holiday, such accounts falling due for
automatic closure on that day will be picked on the next working day process. All the accounts
attempted for such system initiated closure will be flagged as ‘tried’, for both successful and
failure cases. Such flagged accounts will not be picked for further retries when the process is
attempted at the later dates.
This is a daily report on success and failure of Early and Final Settlement of converted loans.
Each column of the report provides information on Branch, Legacy Account, Account Number,
Customer Name, Currency, Total Arrears, Account Status and Reason for failure.

Frequency
 Daily (EOD)

To view and print Success or Failure of EFS Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN613 - Success or
Failure of EFS.
4. The system displays the LN613 - Success or Failure of EFS screen.

1
(It is the liquidation of the loan account on or after maturity date by paying the final installment
due.)

222
 LN613 - Success or Failure of EFS

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed from the drop-down list.

5. Enter the appropriate parameters in the LN613 - Success or Failure of EFS screen.
6. Click the View button to view the report.
7. The system displays the Success or Failure of EFS Report screen.

223
 LN613 - Success or Failure of EFS

224
 LN613 - Success or Failure of EFS

8. Select the Print option from the File menu.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

225
 LN630 - Interest Freeze Report

LN630 - Interest Freeze Report

In FLEXCUBE, the interest deferment functionality is supported through generic external file
upload (GEFU). The interest deferment term is defined in months from the current process date.
On the date of file upload with the list of accounts whose interest are to be deferred, all the
accounts listed in the file will be deferred by introducing a “Moratorium stage” in the loan account.
The rate of interest will be “zero percent”.
This is a report of successfully posted accounts for Interest Freeze through GEFU. Each column
of the report provides details on Serial number, Customer Information File number, Loan Account
Number, Product Code, Product Name, Principal Balance, Principal Arrears, Interest Arrears,
Penalty Arrears, Interest Accrued and Reason for failure. The totals for the principal balance,
various arrears and interest accrued are provided.

Frequency
 Daily (EOD)

To view and print Interest Freeze Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN630 - Interest Freeze
Report.
4. The system displays the LN630 - Interest Freeze Report screen.

226
 LN630 - Interest Freeze Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN630 - Interest Freeze Report screen.
6. Click the View button to view the report.
7. The system displays the Interest Freeze Report screen.

227
 LN630 - Interest Freeze Report

228
 LN630 - Interest Freeze Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

229
 LN800 - Colleteral summary

LN800 - Colleteral summary

The Loan Collateral Link Maintenance (Fast Path - LNM34) option allows linking collateral to a
loan account. Before selecting this option it is mandatory to maintain the collateral codes using
the Collateral Codes Maintenance (Fast Path: BAM39) option. The entered collateral should be
linked to the product under which the loan account is opened and the security value should cover
the loan adequately as per the lendable margin set up in the Product Collateral Linkage (Fast
Path: BAM63) option. Disbursement of a secured loan can only be possible after establishing the
link between the loan account and the security offered.
This is a collateral summary report. Each column of the report provides details on Customer
Information Number, Customer Name, Account Number, Collateral ID, Collateral Code, Collateral
Type, Collateral Amount, Date of valuation, Last value, Unused Balance, Remarks and Credit
Risk Rating Code.

Frequency
 Daily (EOD)

To view and print Colleteral summary report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN800 - Colleteral
summary.
4. The system displays the LN800 - Colleteral summary screen.

230
 LN800 - Colleteral summary

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN800 - Colleteral summary screen.

6. Click the View button to view the report.
7. The system displays the Colleteral summary report screen.

231
 LN800 - Colleteral summary

232
 LN800 - Colleteral summary

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

233
 LN801- Restructuring Loan

LN801- Restructuring Loan

At loan account opening, the loan has a specific schedule of payments attached to it. During the
life cycle of a loan, the system calculates and charges installment based on this schedule. In
case, the customer wants to reduce the amount of installment, or increase the amount of
installment and reduce the term this can be done. This can also happen when the customer has
been unable to repay the loan for some period of time, and the bank decides to restructure the
loan by changing the schedule itself. The system validates that the loan account is in regular
stage with disbursement stage complete.
This is a report on Restructuring Loan for the day. Each column of the report provides details on
Customer ID, Customer Name, Loan Account Number, Principal Balance, Interest Rate,
Restructuring Effective date, Term, User ID and Supervisor ID.

Frequency
 Daily (EOD)

To view and print Restructuring Loan Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN801- Restructuring
Loan.
4. The system displays the LN801- Restructuring Loan screen.

234
 LN801- Restructuring Loan

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN801- Restructuring Loan screen.

6. Click the View button to view the report.
7. The system displays theRestructuring Loan report screen.

235
 LN801- Restructuring Loan

236
 LN801- Restructuring Loan

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

237
 LN802 - Pre collection Report

LN802 - Pre collection Report

The Account Payments Instructions (Fast Path - LNM31) option enables you to set up the
instructions for loan repayment in the mode preferred by the customer. You can choose the
option from the repayment mode as per the instruction given by the customer i.e. either the bank
can transfer the amount from CASA, or recover the amount from the salary during salary upload.
Unlike standing instructions the system will invoke the funds transfer as and when the arrears are
raised in the loan account. This provides the flexibility to the customer to ensure that arrears
raised are settled as and when raised.
This is a pre collection report generated for the day. Each column of the report provides details on
Account Number, Account Name, Address, Phone number, Due Date, Target Account Number,
Target Available balance, Amount Due and Net Amount. Product wise grouping of accounts are
provided. The report provides total on number of accounts, Target accounts available balance,
amount due and net amount.

Frequency
 Daily (EOD)

To view and print LN802 - Pre collection Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN802 - Pre collection
Report.
4. The system displays the LN802 - Pre collection Report screen.

238
 LN802 - Pre collection Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN802 - Pre collection Report screen.
6. Click the View button to view the report.
7. The system displays the Pre collection Report screen.

239
 LN802 - Pre collection Report

240
 LN802 - Pre collection Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

241
 LN805 - Secured Loan account Colleteral Maintenance

LN805 - Secured Loan account Colleteral Maintenance

In FLEXCUBE Retail, collateral security covers something of value, given or pledged as security
for a debt or an obligation. The Loan Collateral Link Maintenance (Fast Path - LNM34) option
allows linking collateral to a loan account. Before selecting this option it is mandatory to have the
Collateral codes maintained using the Collateral Codes Maintenance (Fast Path - BAM39)
option.
This is a report on Secured Loan Account Collateral Maintenance. The accounts are grouped
product wise. Each column of the report provides information on Account Number, Account
Name, Sanctioned Limit, Opening Date, Maturity Date, Disbursement Amount and Status.

Frequency
 Daily (EOD)

To view and print Secured Loan account Colleteral Maintenance Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN805 - Secured Loan
account Colleteral Maintenance.
4. The system displays the LN805 - Secured Loan account Colleteral Maintenance
screen.

242
 LN805 - Secured Loan account Colleteral Maintenance

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN805 - Secured Loan account Colleteral
Maintenance screen.
6. Click the View button to view the report.
7. The system displays the Secured Loan account Colleteral Maintenance report screen.

243
 LN805 - Secured Loan account Colleteral Maintenance

244
 LN805 - Secured Loan account Colleteral Maintenance

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

245
 LN806 - Reappraisal Collatteral report

LN806 - Reappraisal Collatteral report

The Collateral Header Maintenance (Fast Path - BAM74) option allows definition and
maintenance of different collaterals, which are to be linked to Retail Assets. Each collateral is
identified by means of a unique collateral ID and the nature of collateral is defined by having a
Collateral Code associated with it. The value of collateral maintained here will be taken into
consideration when linking the collateral to an asset. When a Collateral is re-evaluated, the new
value of the collateral needs to be applied.
This is a report of Re-appraisal collateral report. The report is listed product wise. Each column of
the report provides information on Customer ID, Customer Name, Account Number, Limit
Amount, Principal Balance, Collateral ID, Collateral Code, Collateral Name, Last appraisal date,
Last Collateral Value, Collect status and Shortage Amount.

Frequency
 Daily (EOD)

To view and print Reappraisal Collatteral report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN806 - Reappraisal
Collatteral report.
4. The system displays the LN806 - Reappraisal Collatteral report screen.

246
 LN806 - Reappraisal Collatteral report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN806 - Reappraisal Collatteral report screen.
6. Click the View button to view the report.
7. The system displays the Reappraisal Collatteral report screen.

247
 LN806 - Reappraisal Collatteral report

248
 LN806 - Reappraisal Collatteral report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

249
 BA028 - Transactions on deceased customers

BA028 - Transactions on deceased customers

Normally transactions are not permitted in deceased customer accounts. The accounts will be
frozen and appropriate legal action will be initiated. But there could be some transactions like
service charges, interest application etc. to deceased customer accounts which are reported.
This is a report of transactions to deceased customers accounts. Each column of the report
provides information on Account Number, Account Title, Amount, Debit/Credit indicator,
Transaction Mnemonic , Description and User Reference Number.

Frequency
 Daily(EOD)

To view and print the Transactions on deceased customers

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > BA028 – Transactions
on deceased customers.
4. The system displays the BA028 – Transactions on deceased customers screen.

250
 BA028 - Transactions on deceased customers

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed from the drop-down list.

5. Enter the appropriate parameters in the BA028 - Transactions on deceased customers

screen.
6. Click the View button to view the report.
7. The system displays the Transactions on deceased customers screen.

251
 BA028 - Transactions on deceased customers

252
 BA028 - Transactions on deceased customers

8. Select the Print option from the File menu.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

253
 CH024 - Report for cash card acts with interest waiver

CH024 - Report for cash card acts with interest waiver

Debit / Credit interest rates can be changed for an existing account or new accounts. Such
interest rate changes can be done on any day with effective value date for which a report is
generated. The Report mainly deals with the variance part of the rate.
The interest rate changes are generated account wise. The report provides information about
Account no., Interest rate effective date, Interest Type (CR/DR/OL/TOD/OD), Sr. No., Amount,
Interest Rate, Interest Variance, Acct Variance Start Date, Acct Variance End Date, Acct
Variance and Net Interest Rate.

Frequency
 Daily (EOD)

To view and print Report for cash card acts with interest waiver
1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > CH024 – Report for
cash card acts with interest waiver.
4. The system displays the CH024 – Report for cash card acts with interest waiver
screen.

254
 CH024 - Report for cash card acts with interest waiver

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
The date for which the report is processed. Type a valid
process date.

Branch Code [Mandatory, Drop-Down]

The code of the branch for which the report needs to be viewed.
Select a valid branch code.

5. Enter the appropriate parameters in the CH024 – Report for cash card acts with interest
waiver screen.
6. Click the View button to view the report.
7. The system displays the Report for cash card acts with interest waiver screen.

255
 CH024 - Report for cash card acts with interest waiver

256
 CH024 - Report for cash card acts with interest waiver

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

257
 CH025 - Product Transfer Report

CH025 - Product Transfer Report

Various values like interest rate, accrual /application frequency, interest calculation method, loan
term etc. are populated for the accounts from the values set at the product level. This report lists
out the loan account numbers where the product code has been changed.
This report is a list of loan accounts where the product code is changed. Each column of the
report provides information on Account No., Branch Code, From Product Code, To Product Code,
Reasons, Expire Int Rate Variance and Apply New Product Capitalization.

Frequency
 Daily (EOD)

To view and print Product Transfer Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > CH025 – Product
Transfer Report.
4. The system displays the CH025 – Product Transfer Report screen.

258
 CH025 - Product Transfer Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
The date for which the report is processed. Type a valid
process date.

Branch Code [Mandatory, Drop-Down]

The code of the branch for which the report needs to be viewed.
Select a valid branch code.

5. Enter the appropriate parameters in the CH025 – Product Transfer Report screen.
6. Click the View button to view the report.
7. The system displays the Product Transfer Report screen.

259
 CH025 - Product Transfer Report

260
 CH025 - Product Transfer Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

261
 LN015 - Cheques Pending List(loans only)

LN015 - Cheques Pending List(loans only)

Branches lodge clearing cheques for credit to loan accounts. The clearing value date can be
defined as per the requirement of the branch. On the date of clearing, subject to clearing return
cheques, amount is credited to the loan account. This is a snapshot report to identify the list of
cheques pending for clearing generated at EOD.
This is a report of cheques pending, for clearing and for loan accounts only. Cheques are
grouped branch wise and the cheque details are provided. Each column in this report provides
information about User Id, Branch code, Bank Code, Account No, Deposited Date, Value Date,
Cheque No, TCY, and Cheque Amount (in TCY).

Frequency
 Daily (EOD)

To view and print Cheques Pending List(loans only)Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN015 – Cheques
Pending List(loans only).
4. The system displays the LN015 – Cheques Pending List(loans only) screen.

262
 LN015 - Cheques Pending List(loans only)

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
The date for which the report is processed. Type a valid
process date.

Branch Code [Mandatory, Drop-Down]

The code of the branch for which the report needs to be
viewed. Select a valid branch code.

5. Enter the appropriate parameters in the LN015 – Cheques Pending List(loans only)
screen.
6. Click the View button to view the report.
7. The system displays the Cheques Pending List(loans only) Report screen.

263
 LN015 - Cheques Pending List(loans only)

264
 LN015 - Cheques Pending List(loans only)

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

265
 LN024 - Customer Correspondences And Interest Rate Change Intimation

LN024 - Customer Correspondences And Interest Rate Change Intimation

The Rate Change (Fast Path : LNM81) option allows maintenance of interest rate change,
effective at the interest index code level at a future date. You can select whether rate change
should affect all existing accounts, or affect all existing accounts in the next stage. Further, the
rescheduling of loan accounts due to the rate change can be selected from either of recalculate
term, or recalculate installment.
This report is a customer correspondences and interest rate change intimation report. Each
column in this report provides information on Customer ID, Customer Name, Account Number,
Rate, Installment Amount, Effective Date, New Rate and New Installment Amount.

Frequency
 Daily (EOD)

To view and print Customer Correspondences And Interest Rate Change Intimation Report
1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN024 – Customer
Correspondences And Interest Rate Change Intimation.
4. The system displays the LN024 – Customer Correspondences And Interest Rate
Change Intimation screen.

266
 LN024 - Customer Correspondences And Interest Rate Change Intimation

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN024 – Customer Correspondences And

Interest Rate Change Intimation screen.
6. Click the View button to view the report.
7. The system displays the Customer Correspondences And Interest Rate Change
Intimation Report screen.

267
LN024 - Customer Correspondences And Interest Rate Change Intimation

268
 LN024 - Customer Correspondences And Interest Rate Change Intimation

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

269
 LN025 - Loan Disbursement Due Report

LN025 - Loan Disbursement Due Report

When loan accounts are opened, disbursement schedules are created. On the due date of
disbursement, loan accounts are debited and funds are made available to the customers. This
report provides information about the next disbursement due date to the branches.
This is a report of disbursement due for loan accounts. Accounts are grouped product wise and
currency wise. Each column in the report provides information about Account No., Customer
Name, Disbursed Amount, Sanctioned Amount, Customer Home Phone No., Customer Mobile
No., Disbursed Status, and Disbursement Date.

Frequency
 Daily (EOD)

To view and print Loan Disbursement Due Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN025 – Loan
Disbursement Due Report.
4. The system displays the LN025 – Loan Disbursement Due Report screen.

270
 LN025 - Loan Disbursement Due Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
The date for which the report is processed. Type a valid
process date.

Branch Code [Mandatory, Drop-Down]

The code of the branch for which the report needs to be viewed.
Select a valid branch code.

5. Enter the appropriate parameters in the LN025 – Loan Disbursement Due Report
screen.
6. Click the View button to view the report.
7. The system displays the Loan Disbursement Due Report screen.

271
 LN025 - Loan Disbursement Due Report

272
 LN025 - Loan Disbursement Due Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

273
 LN026 - Semi Automatic Loan Disbursement Due Report

LN026 - Semi Automatic Loan Disbursement Due Report

Various loan accounts are opened by the branches under various products. At the time of
opening of loan accounts, disbursement schedules are attached to the loan accounts. Based on
the disbursement schedule, loan amounts are disbursed. There could be fully disbursed or
partially disbursed loan accounts in a branch. This report lists the forthcoming disbursement due
dates for loan accounts.
This report lists the loan account numbers for which disbursements are due. Product wise and
currency wise pending disbursement loan accounts are listed. Each column in this report provides
information about the Account No., Customer Name, Disbursed Amount, Sanctioned Amount,
Customer Home Phone No., Cust Mobile No, Disbursed Status, and Disbursement Date due.

Frequency
 Daily (EOD)

To view and print Semi Automatic Loan Disbursement Due Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN026 – Semi
Automatic Loan Disbursement Due Report.
4. The system displays the LN026 – Semi Automatic Loan Disbursement Due Report
screen.

274
 LN026 - Semi Automatic Loan Disbursement Due Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
The date for which the report is processed. Type a valid
process date.

Branch Code [Mandatory, Drop-Down]

The code of the branch for which the report needs to be viewed.
Select a valid branch code.

5. Enter the appropriate parameters in the LN026 – Semi Automatic Loan Disbursement
Due Report screen.
6. Click the View button to view the report.
7. The system displays the Semi Automatic Loan Disbursement Due Report screen.

275
 LN026 - Semi Automatic Loan Disbursement Due Report

276
 LN026 - Semi Automatic Loan Disbursement Due Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

277
 LN612 - List of accounts write off - unsuccessful

LN612 - List of accounts write off - unsuccessful

The user can initiate a Batch process wherein the system will automatically mark
loan/overdraft/overdrawn CASA accounts for write off based on the write off parameters defined
by the bank. This is maintained by screen Automatic Write-off Account Maintenance (Fast
Path - AC005). The user will also be permitted to make modifications like unmark accounts
already marked for write off and mark fresh accounts for write off. On the designated day for write
off, the user will trigger the write off process. During write off process the system will perform
automatic process of full write off of the accounts marked for write off. General Ledger accounting
entries including Off Balance Sheet entries will be automatically passed by the system depending
on the parameters defined by the bank.
This report is an unsuccessful list of write off accounts. Each column of the report provides
information on Account Number, Branch Code, Customer Name, Present Credit Risk Ratio,
Failure Reason and Total Outstanding.

Frequency
 Daily (EOD)

To view and print List of accounts write off - unsuccessful Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Daily Transaction Reports > LN612 - List of
accounts write off - unsuccessful.
4. The system displays the LN612 - List of accounts write off - unsuccessful screen.

278
 LN612 - List of accounts write off - unsuccessful

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN612 - List of accounts write off -
unsuccessful screen.
6. Click the View button to view the report.
7. The system displays the List of accounts write off - unsuccessful Report screen.

279
 LN612 - List of accounts write off - unsuccessful

280
 LN612 - List of accounts write off - unsuccessful

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

281
 Loans deviations Report

2.2.5. Loans deviations Report

The Loans Deviations Report includes a report that allows the branches to have proper control
over the loans deviations.

List of Loans deviations Report:

 LN110 - Loans deviations Report

282
 LN110 - Loans deviations Report

LN110 - Loans deviations Report

Branches may disburse loan accounts with certain deviations like disbursal above tenure, below
or above the specified loan amount; deviation from the sanctioned rate of interest, etc. Proper
operational control over these deviations is ensured by this report generated in batch as well as
adhoc mode.
This is a loan account deviation report. Accounts are grouped product wise. Each column of this
report provides details on Account Number, Customer ID, Currency, Customer name, Deviation
description, Deviation date, Face value, Disbursed Amount, Outstanding Amount, Maker ID, and
Checker ID. Product wise totals on face value, disbursed amount and outstanding amount are
also provided.

Frequency
 Monthly (EOD)

To view and print Loans deviations Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans deviations Report > LN110 – Loans deviations
Report.
4. The system displays the LN110 – Loans deviations Report screen.

283
 LN110 - Loans deviations Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN110 – Loans deviations Report screen.
6. Click the View button to view the report.
7. The system displays the Loans deviations Report screen.

284
 LN110 - Loans deviations Report

285
 LN110 - Loans deviations Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

286
 Loans Interest and Arrears Report

2.2.6. Loans Interest and Arrears Report

The Loans Interest and Arrears Report include those reports that provide information specific to
interest and tax that is applicable to the loans accounts.

List of Loans Interest and Arrears Reports:

 LN030 - Backdated Postponement Transaction Report
 LN031 - Postponement Instructions Report
 LN640 - Provisioning Report for Accrued Interest - Anniversary Loans
 LN811 - Loans Interest Accrued
 LN215 - Loan Arrears Details
 LN090 - Subsidy Interest Report
 LN625 - Cross Currency Loan – Collateral Report
 LN108 - Interest Accrual Report
 LN402 - Accounts with Frozen Interest

287
 LN030 - Backdated Postponement Transaction Report

LN030 - Backdated Postponement Transaction Report

At the time of opening of loan accounts, repayment schedules are generated and the same is
informed to the customers. Under certain circumstances branches may decide to postpone the
repayment schedule altering the installment date to a new date. This report generates a list of
such new installment dates at the end of the day.
This is a report of backdated postponement of transaction. Each column in this report provides
information about Account Number, Actual Installment Date, New Installment Date, Product Type
and Amount.

Frequency
 Daily (EOD)

To view and print Interest Accrual Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN030 - Backdated
Postponement Transaction Report.
4. The system displays the LN030 - Backdated Postponement Transaction Report
screen.

288
 LN030 - Backdated Postponement Transaction Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed from the drop-down list.

5. Enter the appropriate parameters in the LN030 - Backdated Postponement Transaction

Report screen.
6. Click the View button to view the report.
7. The system displays the Backdated Postponement Transaction Report screen.

289
 LN030 - Backdated Postponement Transaction Report

290
 LN030 - Backdated Postponement Transaction Report

8. Select the Print option from the File menu.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

291
 LN031 - Postponement Instructions Report

LN031 - Postponement Instructions Report

At the time of opening of loan accounts, repayment schedules are generated and the same is
informed to the customers. Under certain circumstances branches may decide to postpone the
repayment schedule altering the installment date to a new date. This report generates a list of
such new installment dates at the end of the day.
This is a report of postponement of transaction instructions received in the day. Each column in
this report provides information about Account Number, Actual Installment Date, New Installment
Date, Product Type and Amount.

Frequency
 Daily (EOD)

To view and print Postponement Instructions Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN031 - Postponement
Instructions Report.
4. The system displays the LN031 - Postponement Instructions Report screen.

292
 LN031 - Postponement Instructions Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed from the drop-down list.

5. Enter the appropriate parameters in the LN031 - Postponement Instructions Report

screen.
6. Click the View button to view the report.
7. The system displays the Postponement Instructions Report screen.

293
 LN031 - Postponement Instructions Report

294
 LN031 - Postponement Instructions Report

8. Select the Print option from the File menu.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

295
 LN090 - Subsidy Interest Report

LN090 - Subsidy Interest Report

The Loan Interest Subsidy Plan (Fast Path - 1064) option is used to calculate the interest
subsidy amount and facilitate interest subsidy pay-in. The interest subsidy amount is calculated
on the sanctioned amount and the subsidy term of the loan. The available modes for subsidy pay-
in are Transfer from CASA and Cash. The amount is parked in the subsidy parking General
Ledger. This report displays the entire disbursed loan accounts for a particular date for which
interest subsidy has been extended. The report also contains records for those accounts for
which subsidy interest has been collected and interest amortization entries have been passed
during the month. This is inclusive of accounts closed/written off during the month for which
amortization entries have been passed.
This is the Subsidy Pay in Report for the day. Totals are provided for Subsidy Amount and
Balance Amount. Each column of this report provides details on Serial Number, Customer
Information number, Loan Account Number, Customer Name, Disbursement Date, Subsidy Term,
Subsidy Amount Collected and Balance Amount.

Frequency
 Daily (EOD)

To view and print Subsidy Interest Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN090 - Subsidy
Interest Report.
4. The system displays the LN090 - Subsidy Interest Report screen.

296
 LN090 - Subsidy Interest Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN090 - Subsidy Interest Report screen.
6. Click the View button to view the report.
7. The system displays theSubsidy Interest Report screen.

297
 LN090 - Subsidy Interest Report

298
 LN090 - Subsidy Interest Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

299
 LN108 - Interest Accrual Report

LN108 - Interest Accrual Report

Interest accruals for loan accounts take place as per the frequency, calculation method, etc. set
at the product level defined in the Product Master Maintenance (Fast Path - LNM11) option.
The accruals will be charged to the loan account as per the set frequency. Depending on the
rules defined for the asset classification and the Credit Risk Ratio codes of the accounts the
accruals will be either normal or suspended accrued interest.
This report gives the loans interest accrual details based on product and currency. Product wise
totals on accrued interest and suspended interest with the total number of accounts are provided.
The product and currency name are also displayed. Each column in this report provides
information about the Account Number, Customer Name, Current Status, Interest Rate, First
Disbursement, Interest Base, Date accrued (from/to), Accrued amount and Present Credit Risk
Ratio.

Frequency
 Daily (EOD)

To view and print Interest Accrual Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN108 – Interest
Accrual Report.
4. The system displays the LN108 – Interest Accrual Report screen.

300
 LN108 - Interest Accrual Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN108 – Interest Accrual Report screen.
6. Click the View button to view the report.
7. The system displays the Interest Accrual Report screen.

301
 LN108 - Interest Accrual Report

302
 LN108 - Interest Accrual Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

303
304
 LN215 - Loan Arrears Details

LN215 - Loan Arrears Details

On the due date of scheduled repayment advised to the customers, the customers are expected
to make the repayment. Branches ensure that the repayment schedules are properly adhered to
maintain the accounts as performing assets. This report lists the customers who have defaulted
on their repayments.
This report gives the loan account arrears details. The loan accounts are grouped product wise
and currency wise. The total arrears due from the customers are also listed by product and
currency. Each column in this report provides information about the Customer ID, Customer
name,Product Code, Account number, Account Open Date, Maturity Date, Sanctioned Amount,
O/S Balance, Due Date, Principal Arrears, Interest Arrears, Penalty Arrears, Total Arrears and
Demand Past Due.

Frequency
 Daily (EOD)

To view and print Loan Arrears Details Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN215 – Loan Arrears
Details.
4. The system displays the LN215 – Loan Arrears Details screen.

305
 LN215 - Loan Arrears Details

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN215 – Loan Arrears Details screen.
6. Click the View button to view the report.
7. The system displays the Loan Arrears Details Report screen.

306
 LN215 - Loan Arrears Details

307
 LN215 - Loan Arrears Details

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

308
 LN625 - Cross Currency Loan – Collateral Report

LN625 - Cross Currency Loan – Collateral Report

Using the Product Collateral linkage (Fast Path - BAM63) option, you can link TD collateral to
product even though their currencies differ. Similarly, the Loan Collateral Link Maintenance
(Fast Path - LNM34) option supports linking of a foreign currency TD as collateral to a local
currency Loan account. This will be an end of the month report as the collateral will be revalued
at the end of the month. The report displays all loan accounts where the collateral value is less
than the original loan principal amount.
This report displays all the cross currency collateral values in their original currency as well as the
local currency. This report will be generated at the end of the month. Each column of the report
provides details on Customer Information File Number, Line Of Business, Customer name, Loan
Account Number, Product Name, Loan Currency, Loan Principal Amount, Loan Outstanding,
Collateral ID, Collateral Code, Collateral currency, Collateral value, Collateral value in collateral
currency, Mid rate, Short Fall and Region Name.

Frequency
 Daily (EOD)

To view and print Cross Currency Loan – Collateral Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN625 - Cross
Currency Loan – Collateral Report.
4. The system displays the LN625 - Cross Currency Loan – Collateral Report screen.

309
 LN625 - Cross Currency Loan – Collateral Report

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN625 - Cross Currency Loan – Collateral
Report screen.
6. Click the View button to view the report.
7. The system displays theCross Currency Loan – Collateral Reportscreen.

310
 LN625 - Cross Currency Loan – Collateral Report

311
 LN625 - Cross Currency Loan – Collateral Report

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

312
 LN640 - Provisioning Report for Accrued Interest - Anniversary Loans

LN640 - Provisioning Report for Accrued Interest - Anniversary Loans

Using the option Provisioning Parameters at Bank level for Loans and Overdrafts (Fast Path:
ACM07) option, the groups, subgroups and the components of the provisioning base can be
defined by the bank. An External system will provide the data for calculation of the provision
entries to FLEXCUBE. The data provided by the external system is account wise and that
includes the Provisioning group, Provisioning Sub group, and Provisioning rate for the account.
The data is provided as and when there is a change in any of the parameters required for
provisioning. The Provision frequency is daily. Provision is calculated from the date of account
opening till the date of closure. Provisioning and GL entries will be processed on daily basis (only
when there is a change in any of the parameters or values).The provision is always calculated in
account currency.
This is the end of the day report for Provisioning Report for Accrued Interest - Anniversary Loans.
Each column of this report provides information on Serial Number, Product Code, Account
Currency, Provisioning Group, Provisioning Sub Group, Provision Percentage, Cumulative
Accrued Interest and Actual Provision Amount.

Frequency
 Monthly (EOD)

To view and print Provisioning Report for Accrued Interest - Anniversary Loans
1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN640 - Provisioning
Report for Accrued Interest - Anniversary Loans.
4. The system displays the LN640 - Provisioning Report for Accrued Interest -
Anniversary Loans screen.

313
 LN640 - Provisioning Report for Accrued Interest - Anniversary Loans

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is to be processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed from the drop-down list.

5. Enter the appropriate parameters in the LN640 - Provisioning Report for Accrued
Interest - Anniversary Loans screen.
6. Click the View button to view the report.
7. The system displays the Provisioning Report for Accrued Interest - Anniversary
Loans screen.

314
LN640 - Provisioning Report for Accrued Interest - Anniversary Loans

315
 LN640 - Provisioning Report for Accrued Interest - Anniversary Loans

8. Select the Print option from the File menu.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

316
 LN811 - Loans Interest Accrued

LN811 - Loans Interest Accrued

Using the Interest Rules (Fast Path - LNM41) option the interest rules can be defined. The
Interest rule identifies the method in which interest has to be calculated. i.e. the interest base (the
amount on which the interest has to be calculated), the period (the number of days for which the
interest has to be applied) and the rate (the rate at which the interest has to be computed).
Separate interest rules are required to be set up for Regular interest, IOA or Penalty interest, Post
Maturity interest, EFS penalty and PPF penalty. For each of the above interest types, the interest
rate structure, accrual basis, base for computation and rounding parameters can be set up.
This is a report of loan interest accrued as on a given day. Each column of the report provides
details on Account Number, Account Name and Interest Amount. The accrual status like Normal
or Suspended is also provided. Accounts are grouped product wise and the totals are given.

Frequency
 Monthly (EOD)

To view and print Loans Interest Accrued Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN811 - Loans Interest
Accrued.
4. The system displays the LN811 - Loans Interest Accrued screen.

317
 LN811 - Loans Interest Accrued

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN811 - Loans Interest Accrued screen.
6. Click the View button to view the report.
7. The system displays theLoans Interest Accrued Report screen.

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 LN811 - Loans Interest Accrued

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 LN811 - Loans Interest Accrued

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

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 LN402 - Accounts with Frozen Interest

LN402 - Accounts with Frozen Interest

Interest accruals and income booking is frozen for some loan accounts for various reasons like
legal suit is filed etc. Interest freeze results in stoppage of the interest accruals and charging in
the loan accounts and only the interest base will be updated. The frozen interest details like date,
type and arrears freeze are provided in this report so that the branches can have effective control
over these loan accounts.
This is a list of loan accounts with frozen interest details. Accounts are grouped by products and
currencies and totals are provided. Each column of the report provides information on Account
Number, Customer Name, Account Officer, Book Balance, Date of freeze, Interest freeze date,
Type of freeze, Interest and Freezed Interest Arrears.

Frequency
 Daily (EOD)

To view and print Accounts with Frozen Interest Report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans Interest and Arrears Report > LN402 – Accounts
with Frozen Interest.
4. The system displays the LN402 – Accounts with Frozen Interest screen.

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 LN402 - Accounts with Frozen Interest

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN402 – Accounts with Frozen Interest screen.
6. Click the View button to view the report.
7. The system displays the Accounts with Frozen Interest Report screen.

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 LN402 - Accounts with Frozen Interest

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 LN402 - Accounts with Frozen Interest

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

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 Loans NPA Report

2.2.7. Loans NPA Report

The Loans NPA Report includes reports that facilitate the branch to know the non performing
assets and provisions.

List of Loans NPA Reports:

 LN117 - Accounts moved to suspended status
 LN621 - Manual override expired
 LN210 - Provisions Report – UnAuthorised

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 LN117 - Accounts moved to suspended status

LN117 - Accounts moved to suspended status

Advance or loan granted by a bank is vulnerable to risk. It is important for every bank to know the
quality of its advances portfolio. Current Central Bank regulation makes it mandatory for banks to
adopt a very stringent approach in terms of ensuring timely repayment of principal and interest by
its borrowers. Accordingly, banks have to grade each asset account and also make sufficient
provision for possible bad debts both for its secured and unsecured advances. FLEXCUBE
Retail provides the flexibility to define the parameters for Asset classification, the provisioning
frequencies, assigning Credit Risk Rating codes and defining accrual status i.e. whether the
interest earned on an advance is to be treated as Normal Interest or Suspended interest etc.
This is a report of loan accounts moved to suspended status. The accounts are grouped product
wise and totals are provided. Each column in this report provides information on Authoriser ID,
Account number, Date moved to non accrual, Date of last disbursement, Maturity date, Date of
last payment, Currency, Principal balance, Suspended interest and Total past due.

Frequency
 Daily (EOD)

To view and print Accounts moved to suspended status report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans NPA Report > LN117 – Accounts moved to
suspended status.
4. The system displays the LN117 – Accounts moved to suspended status screen.

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 LN117 - Accounts moved to suspended status

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN117 – Accounts moved to suspended status
screen.
6. Click the View button to view the report.
7. The system displays the Accounts moved to suspended status report screen.

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 LN117 - Accounts moved to suspended status

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 LN117 - Accounts moved to suspended status

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

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 LN210 - Provisions Report – UnAuthorised

LN210 - Provisions Report – UnAuthorised

Banks classify the loan accounts as Standard, Sub-standard, doubtful, loss asset etc. depending
on the conduct of the account and compliance norms. In the case of non-performing assets,
banks will have to make provisions based on the outstanding balance, the collateral value and the
provisions already made. This report details the provisions calculated which needs to be
authorised. Based on this report, appropriate GL entries will need to be passed.
This report is an unauthorised loan provisions report for non-performing loan accounts. Accounts
are grouped based on product and currency. Each column in this report provides information
about the Loan Account Number, Months in Arrears, Loan Balance(A), Unearned Interest(B),
Suspended Interest (C), Provision Made to Date(D), Provision Required (E)=A-B-C-D, Projected
Provision Balance (D+E-F), Collateral Value (F), Provision Required less Collateral Value (e-f),
Loanee and Remarks for every financial year.

Frequency
 Daily (EOD)

To view and print Provisions Report – UnAuthorised

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans NPA Report > LN210 – Provisions Report –
UnAuthorised.
4. The system displays the LN210 – Provisions Report – UnAuthorised screen.

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 LN210 - Provisions Report – UnAuthorised

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN210 – Provisions Report – UnAuthorised

screen.
6. Click the View button to view the report.
7. The system displays the Provisions Report – UnAuthorised screen.

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 LN210 - Provisions Report – UnAuthorised

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 LN210 - Provisions Report – UnAuthorised

8. On the File menu, click Print.

9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

333
 LN621 - Manual override expired

LN621 - Manual override expired

In the Account Classification Preference (Fast Path - AC001) option, a validity period can be
provided for excluding accounts from the Credit Risk Ratio equalization process. The system also
permits you to modify the existing validity period if the End date is lesser than the current process
date. After the end of the validity period, the account will be included in the Credit Risk Rating
equalization process.
This is the report for manual override expired for the day. Each column of this report provides
details on Customer ID, Line Number, Account Number, Customer Name, Branch Code, Product
Code, Credit Risk Rating From, Credit Risk Rating To, Start Date, End date, Account Status,
User ID and Supervisor ID.

Frequency
 Daily (EOD)

To view and print Manual override expired report

1. Access the Report Request (Fast Path: 7775) screen.
2. Select the Batch Reports button.
3. Navigate through Loans > Loans NPA Report > LN621 - Manual override expired.
4. The system displays the LN621 - Manual override expired screen.

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 LN621 - Manual override expired

Field Description

Field Name Description

Process [Mandatory, dd/mm/yyyy]

Date[DD/MM/YYYY]
Type the date for which the report is processed.
By default, the system displays the current process date.

Branch Code [Mandatory, Drop-Down]

Select the code of the branch for which the report needs to be
viewed.

5. Enter the appropriate parameters in the LN621 - Manual override expired screen.
6. Click the View button to view the report.
7. The system displays the Manual override expired report screen.

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 LN621 - Manual override expired

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 8. On the File menu, click Print.
9. The system displays the Print dialog box.
10. Select the appropriate parameters and click the OK button.

337