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]



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]