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Flexcube Overview

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Flexcube Overview

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Flexcube Overview

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These risks and uncertainties and other factors that could affect, including but not limited to, competition, acquisitions, economic conditions, ability to retain highly skilled employees, technology, law and regulatory policies, managing risks associated with its business.

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Flexcube Overview

Objectives• Familiarising the team with FLEXCUBE• Train the Trainers• Relate Banking in EAB with FLEXCUBE• Prepare team for Product Design• Launch Pad for a successful implementation

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Flexcube Overview

Banking Industry• Respond to market opportunities in a fiercely

competitive business environment• Introduce New banking products in shortest time• Improved Efficiency in Operations Management• Enhanced Effectiveness in Operations Control• Capability to reach out to customers in diverse

ways• Seamless delivery of sophisticated banking

products to customers• Anywhere and anytime uninterrupted services

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Flexcube Overview

OverviewOverview

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Flexcube Overview

Flexcube• Universal Banking Solution

Caters to Retail, Corporate and Investment Banking • Internationally Proven

120 customers in over 35 countries

• Single customer view• Diverse Delivery Channels • 24 x 365 Availability• Cost-effective Operations Management• Comprehensive risk management

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Flexcube Overview

Flexcube• Centralised Solution with Offline Capabilities• Sophisticated Security Management System• True Multi Currency Processing System• N-Tier Structure for General Ledger• Euro Ready• Multilingual• Flexibility

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Flexcube Overview

Flexcube Overview

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Flexcube Overview

Flexcube - Core Processing

FLEXCUBEFLEXCUBE

Consumer

CASA, Term Deposits, Check Processing, Clearing & Settlements, Consumer Loans

Investment

Mutual Funds Transfer Agency, Asset Management, Portfolio Accounting, Record Keeping, Corporate Actions, Reconciliation

CorporateTrade Finance, Corporate Loans, Asset Securitization, Credit Risk Management, Accounting & MIS

Treasury

FX, Money Markets, Securities, Derivatives, Funds Transfer

Value :Modular Solution

Value :Modular Solution

Value :Easy to Launch New Products

Value :Easy to Launch New Products

Value :Cost effective alternative to 70s technology

Value :Cost effective alternative to 70s technology

Value :Extensible & Scalable

Value :Extensible & Scalable

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Flexcube Overview

Flexcube - Process Flow

Validation

Limits Tracking

Consolidation&

Updates

AccountsGLMIS Balance

Reports

User input/User interface

SwiftTelexMail

Security Management(SMS)

CORE

MessagesA/c Services

Front End Module

Authorization

BUSINESS LOGIc

Module 1 e.g. FT

Module 2 e.g. Accounts

Module 3 e.g. LD

Module 4 e.g. Trade

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Flexcube Overview

Flexcube – End-to-End Processing

ConceptConcept CIFCIF

ConstructionConstruction Product Definition

Product Definition

MarketingMarketing Product Marketing

Product Marketing

ProcessingProcessing ProcessingModules

ProcessingModules

FLEXCUBE

PRODUCT

LIFECYCLE

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Flexcube Overview

Flexcube Product Centric Architecture

Accounting Entries

Interest &

Charges

Tax MIS Control

PRODUCT

Common Services

Accounts

Contracts

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Flexcube Overview

Flexcube Product Centric Benefits• Easy to Launch • Global Availability• Flexibility • Reduced turn around time• Standardization • Elimination of Errors• Reduced manual inputs• More Managerial Time

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Flexcube Overview

Flexcube Relation Management• Customer to Account Relationship• Account to Customer Relationship• Customer to Customer Relationship• Customer Business profile with bank• Consolidation of deposits & loans balances• Consolidation for accounts of each deposit &

loan product

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Flexcube Overview

Flexcube Risk Management• 5 level tracking

Tenor-wise sub-line limitOverall sub-line limitTenor-wise Main line limitOverall Main Line LimitOverall Customer Group / Customer Limit

• Collaterals, Margins & Issuer Exposure• Multi-party limit tracking per txn• Multi-country exposure tracking per txn

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Flexcube Overview

Flexcube Customer Information System• Enterprise-wide customer view• Consolidated customer statement• Relationships• Customer Contact Log• Global Memo Management• Zoom -In Inquiries• Multiple Open Field in CIF

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Flexcube Overview

Flexcube General Ledger Features• Parameterized / Multi-level GL structure• User-definable MIS entities for reporting• Period accounting and reporting• Multi-currency Profit and Loss Reporting• Automatic Transaction Posting• Flexible Reporting & Querying

At Multiple LevelsAt Branch / RO / HO levelsReporting from any GL level & MIS classificationQuery on position etc.

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Flexcube Overview

Flexcube General Ledger Reporting• Branch-wise

Day’s Transactions / Day’s MovementsTrial BalanceBalance Sheet Classification

• Asset, Liability, Income, Expense, Contingent Liability,Contingent Asset,Memo

• Sub-branch consolidation report

• Lines(Central Bank,HO level)

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Flexcube Overview

Flexcube Clearing Module• Support for Checks, Banker Checks, Demand

Drafts• Instrument Tracking• Centralized / de-centralized clearing• Check status inquiry• Batch data entry option for outward and inward

clearing• Provision to scan & pass Rejects• Off-line support for consolidation of Outward

Clearing

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Flexcube Overview

Flexcube Clearing Module• Multiple clearing runs for outward clearing

High Value / Instrument / Clearing Area / MICR / Non-MICR / Inter-bank / On-us Checks

• Clearing through correspondent bank

• Automatic processing for :TOD & TOD chargeReturnable & returned check charge

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Flexcube Overview

Flexcube Dealer Module• Front office Treasury system

– Forex Deals

– Market Borrowing

– Placements

– Interest Rates

– Currency options

• Interface for uploading deals and rate feeds– Reuters - Money 2000/Dealer 2000

– Telerate

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Flexcube Overview

Flexcube Dealer Module• Online Position Updates• On-line tracking of limits • Real time profit & loss calculations• Extensive query and reporting facility

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Flexcube Overview

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