Business Banking Product Hierarchy
There is a product code for Factory Plus
Field used in DWH:
Source_Prod_Type_Code = Type of Loan
Description Code Table <= FactoryPlus
Wednesday, March 31, 2010
BITool - Business Banking Hierarchy
Business Banking Product Hierarchy
There is a product code for Factory Plus
Field used in DWH:
Source_Prod_Type_Code = Type of Loan
Description Code Table <= FactoryPlus
BITool - Enhancements required
1. Linkage to GCMS (Collateral)
2. Sample20 report
Contact:
Toh (Corporate Remedial)
Zulailla Fikri (DWH/IS)
3. Enhc LIS to include Cust Reject Date
Currently BB - have manual list they report to mgmt.
BC/Branch will provide desc on why rejected by customer.
4. To investigate Campaign code enhc issue.
(Rabithah/Pui Kuan)
5. Interface MEAA to DWH (Next Phase)
6. POL - Purpose of Loan
Enhc at source level. Lead by EDG.
7. AA# Verification at DWH (Chandran)
LIS[AA table = FAC_AC_AA table] --> Instrument
8. To confirm/cleanup Branch list, code & description
in DWH (Pui Kuan)
9. Test RDAL Rule in DWH
2. Sample20 report
Contact:
Toh (Corporate Remedial)
Zulailla Fikri (DWH/IS)
3. Enhc LIS to include Cust Reject Date
Currently BB - have manual list they report to mgmt.
BC/Branch will provide desc on why rejected by customer.
4. To investigate Campaign code enhc issue.
(Rabithah/Pui Kuan)
5. Interface MEAA to DWH (Next Phase)
6. POL - Purpose of Loan
Enhc at source level. Lead by EDG.
7. AA# Verification at DWH (Chandran)
LIS[AA table = FAC_AC_AA table] --> Instrument
8. To confirm/cleanup Branch list, code & description
in DWH (Pui Kuan)
9. Test RDAL Rule in DWH
Tuesday, March 30, 2010
BITool - Attrition
Definition of Attrition
Account Close on time, Account Settle
?? Before M_Contract_Maturity_Date
Account Close on time, Account Settle
?? Before M_Contract_Maturity_Date
BITool - Appendix 4 Flat File
1. Vendor unable to load this file. This is because this file is not a data file, but a processed excel report.
2. User is to give the raw data used to generate the Appendix 4 report, for vendor to load that.
3. User is unable to provide the raw data for APPENDIX 4 SUMMARY OF MOVEMENTS IN NON-PERFORMING LOANS since they received it in the excel format by respective Loan Management Centres (LMCs). Further to that, the report is without the account no.
4. User will discuss with Lian Sui regarding this matter.
[Sharifah Nawar Nabila
Loans, Financial Reporting]
2. User is to give the raw data used to generate the Appendix 4 report, for vendor to load that.
3. User is unable to provide the raw data for APPENDIX 4 SUMMARY OF MOVEMENTS IN NON-PERFORMING LOANS since they received it in the excel format by respective Loan Management Centres (LMCs). Further to that, the report is without the account no.
4. User will discuss with Lian Sui regarding this matter.
[Sharifah Nawar Nabila
Loans, Financial Reporting]
Sunday, March 28, 2010
BITool - Sample20
Info not available at DWH:
Exposure Class and Recovery & Settlement (under Asset Quality).
To chk whether can source the recovery from sources below:
1. TSO system - Toh, Corp Remedial
2. Appendix 4 for NPL movement - Lian Sui, Acctg
3. Excel Flat File on recovery - Norsiah, FBA
TSO system cover for NPL only. (When acct tagged as NPL, doubtful)
[Toh Song Lai, Corporate Remedial 4oth floor)
BITool requires 'Payment Received' for everything,
not just for account status = NPL,
but also account status = Restructures, Rescheduled & etc.
[Jeff, MIS]
Difference btw the 2 extraction:
1. Toh = different source (Recovery + Manual)
2. Leng Sui (excel) = different source (Appendix 4) *info not complete
Case 1: [Toh]
Payment = 2,000
O/Standing = 100,000
--------------------
Recovery = 100,000
Loan Status
Performing Loan (PL) = Month-in-areas(MIA) < 4 months
Non Performing Loan (NPL) = MIA > 4 months, NPL_Flag = 'Y'
Payment Categorize:
Officially known as = Regularize, Fully Settle, Pay-in (via Chq, Cash or Transfer)
Inofficial known as = Normal Pymt, Lumpsum, Partial Pymt, Full Settlement
Business Segmentation
Current = based on customer
Future = based on limit & account?
Case 2: [Shwe]
Month 1 Limit = 1 million --> Biz Segment A
Month 2 Limit = 10 millions --> Biz Segment B
So the difference = attrition.
Case 3: [Toh]
For closed & Regularized Acct
If MIA is 5 months, Pay 2 months, Left 3 months -> Acct become regularize
Now, BNM reporting does not take 1dayfloat anymore, they just take current balance.
[Toh]
.JPG)
Sample 20 Enhancement
Lead by Syed Muzni [27th floor, BASEL]
1.The Sample20 should solve the problem.
2.The programming logic is based on trancode given by Sun. Subsequent process,
LMC users are to identify the applicable trancodes to denotes the credit for
both Loan & OD.
3. Sample20 will not cover PL (Performing Loans).
4.Currently devl in DWH is inprogress.
[Rabithah, Haizan, ?]. Currently users(LMC) do manually reporting to produce
the NPL reports.
5.Benefit to users, with this enhc, the one from system will be automated report generation, but manual figure - still need to report separately.
User expectation is UAT by end March.
FQA 1:
Sample20 is for Commercial or overall?
FQA 2:
Maintenance for trancode change/add? If there's change in new trancode, guideline
stated that they'll report to ORM (Operational Risk) & DWH.
[Siew Li]
FQA 3:
Check with user LMC, whether Giro & Miscellaneous are included in the trancode
identification?
[Toh]
Exposure Class and Recovery & Settlement (under Asset Quality).
To chk whether can source the recovery from sources below:
1. TSO system - Toh, Corp Remedial
2. Appendix 4 for NPL movement - Lian Sui, Acctg
3. Excel Flat File on recovery - Norsiah, FBA
TSO system cover for NPL only. (When acct tagged as NPL, doubtful)
[Toh Song Lai, Corporate Remedial 4oth floor)
BITool requires 'Payment Received' for everything,
not just for account status = NPL,
but also account status = Restructures, Rescheduled & etc.
[Jeff, MIS]
Difference btw the 2 extraction:
1. Toh = different source (Recovery + Manual)
2. Leng Sui (excel) = different source (Appendix 4) *info not complete
Case 1: [Toh]
Payment = 2,000
O/Standing = 100,000
--------------------
Recovery = 100,000
Loan Status
Performing Loan (PL) = Month-in-areas(MIA) < 4 months
Non Performing Loan (NPL) = MIA > 4 months, NPL_Flag = 'Y'
Payment Categorize:
Officially known as = Regularize, Fully Settle, Pay-in (via Chq, Cash or Transfer)
Inofficial known as = Normal Pymt, Lumpsum, Partial Pymt, Full Settlement
Business Segmentation
Current = based on customer
Future = based on limit & account?
Case 2: [Shwe]
Month 1 Limit = 1 million --> Biz Segment A
Month 2 Limit = 10 millions --> Biz Segment B
So the difference = attrition.
Case 3: [Toh]
For closed & Regularized Acct
If MIA is 5 months, Pay 2 months, Left 3 months -> Acct become regularize
Now, BNM reporting does not take 1dayfloat anymore, they just take current balance.
[Toh]
.JPG)
Sample 20 Enhancement
Lead by Syed Muzni [27th floor, BASEL]
1.The Sample20 should solve the problem.
2.The programming logic is based on trancode given by Sun. Subsequent process,
LMC users are to identify the applicable trancodes to denotes the credit for
both Loan & OD.
3. Sample20 will not cover PL (Performing Loans).
4.Currently devl in DWH is inprogress.
[Rabithah, Haizan, ?]. Currently users(LMC) do manually reporting to produce
the NPL reports.
5.Benefit to users, with this enhc, the one from system will be automated report generation, but manual figure - still need to report separately.
User expectation is UAT by end March.
FQA 1:
Sample20 is for Commercial or overall?
FQA 2:
Maintenance for trancode change/add? If there's change in new trancode, guideline
stated that they'll report to ORM (Operational Risk) & DWH.
[Siew Li]
FQA 3:
Check with user LMC, whether Giro & Miscellaneous are included in the trancode
identification?
[Toh]
BITool Measures
Measures for Wholesale
1. PBT
2. RRWA
3. ROE
4. Cost to Income Ratio
5. Revenue
6. RRWA (%) (Annualised)
7. Average Loan Spread
8. Revenue per Staff (RM 'm)
9. Revenue per Payroll
10. PBT per Staff (RM 'm)
11. PBT per Payroll
12. Source of Assents
13. Total Accounts
14. Outstanding Balance
15. Total NPL Accounts
16. Outstanding Balance - NPL
1. PBT
2. RRWA
3. ROE
4. Cost to Income Ratio
5. Revenue
6. RRWA (%) (Annualised)
7. Average Loan Spread
8. Revenue per Staff (RM 'm)
9. Revenue per Payroll
10. PBT per Staff (RM 'm)
11. PBT per Payroll
12. Source of Assents
13. Total Accounts
14. Outstanding Balance
15. Total NPL Accounts
16. Outstanding Balance - NPL
BITool Dimensions
1. Period
2. Year (Historical)
3. Business Segment/Lending Unit
4. Product
5. Customers
6. Purpose of Loan/Economic Sector
7.Nature of Business
8. Financing Type
9. Credit Rating
10.Rate Type
11. Account Type
12. Currency
13. Industry/Market Share
14. Scenario
15. Application Status
16. Application Type
17. Approval Level
18. Regional Hierarchy
19. Business Group
20. Collateral
21. Loan Account Status
2. Year (Historical)
3. Business Segment/Lending Unit
4. Product
5. Customers
6. Purpose of Loan/Economic Sector
7.Nature of Business
8. Financing Type
9. Credit Rating
10.Rate Type
11. Account Type
12. Currency
13. Industry/Market Share
14. Scenario
15. Application Status
16. Application Type
17. Approval Level
18. Regional Hierarchy
19. Business Group
20. Collateral
21. Loan Account Status
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