cbs 226 jobcard laps corporate module
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Andhra Bank(A Govt. of India Undertaking)
Department of Information Technology,D Block, III Floor, "Cyber Gateway", Hitec City, Madhapur,
HYDERABAD - 500 081
Tel : 040 - 23122266; FAX 040 23122261___________________________________________________________________
CBS Document No.CBS/226 Dated: 05-02-2011
Modified on 31.03.2011
JOB CARD ON LAPS CORPORATEMODULE
(FOR PROCESSING OF TERM LOANS , WORKING CAPITAL FUND & NON FUND LIMITS )
PRODUCTS AVAILABLE UNDER THIS MODULE:
1. Product for processing of Loan Proposals for limits of Upto Rs.2 Lakhs( For RT,BE, PSE & RTO Loans)
2. Product for processing of Loan Proposals for limits of Rs.2 Lakhs and upto Rs.10 Lakhs,
3. Product for processing of Loan Proposals for limits of Rs.10 Lakhs andup to Rs.50 Lakhs,
4. Product for processing of Loan Proposals for limits of above Rs.50
Lakhs,
RATING MODELS AVAILABLE IN THE PACKAGE
1 ) Rating for MSME/RT/small business category(For loans of above Rs.2 Lacs to Rs.5 Lacs)Rating for Professional Self employed & RTO Category
2) Credit Rating system (CRS) with & without audited Balance sheet(For Fund based limits of Rs.5 lacs to Rs.50 lacs)
3) Credit Risk Assessment of the Borrowal Account (CRAS) with &Without Balance sheet(For Fund based limits of Rs.50 lacs to Rs.5 Crores)
CIRCULAR REFERRENCES OF LAPS CORP MODULE:
1 Our Ho Cir No.155 Ref No.01/01 Dt.31.07.20102 Our Ho Cir No.441 Ref No.52/08 Dt.31.03.2011
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I N D E X
S NO NAME OF THE CONTENT PAGE NO.
1 Creation of Customer ID 3
2 Creation of New Application 4
3 Financials & Formats 5
4 Ownership & Management 6
5 Brief History 6
6 Banking Arrangement 6
7 Guarantors & Securities 7
8 Financials 7
9 Upload of Financials 9
10 Risk Rating 10
11 Financial Analysis & Assessment 10
12 Annexures 11
13 Comments & Recommendations 11
14 Key Information 12
15 Terms & Conditions 12
16 Process Note 12
17 Work Flow 12
18 13
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About Specific Tabs with regard to various Limits19 Limitations of LAPS Corporate Module 14JOB CARD ON LAPS - CORPORATE MODULE
SEQUENCE OF STEPS TO BE FOLLOWED FOR PROCESSINGCORPORATE LOAN LIMITS THROUG LAPS CORPORATE MODULE
(TERM LOANS , WORKING CAPITAL FUND & NON FUND BASED LIMITS)STEPS ACTIVITY / TABS PROCEEDURE TO BEADOPTED
IMPORTANTPOINTS &SYSTEM lOGICS
STEP 1 CREATION OFCUSTOMER ID
Login into LAPS module Click
CORPORATE ClickCUSTOMER PROFILE Click
New Applicant Give therequired inputs and click apply
button to save the details and
note the Customer ID generatedand displayed on the top of the
screen.
If the Customer ID is alreadyavailable in LAPS data basesearch the customer with thehelp of either by Name, LAPS
Customer ID No. or BSR Code
Presently Interface
Module is notenabled for
Corporate Module.So Finacle ID can
not be used orlinked to LAPS
corporate Cust-ID
NOTE: Now the user has to create an application for the customer ID created to process
the same. Unit of amounts will be Rupees in lakhs. But for product of limits up to Rs.2lakhs units are shown against the respective tables. Please be guided accordingly.
At this stage the total Tabs have been divided into two parts i.e., Application part &
Processing part. For navigational convenience two buttons A&P are provided on the topright hand side of the Application screen with which user can navigate from one part of theproposal to another part of the proposal.
The following are the steps to be followed for processing corporate proposal through ourLAPS package.
Step 2 to 9 deals with first part of the proposal wherein majority of the data entry to bedone by the user and step 10 to 17 deals with second part of the proposal wherein systemgives several outputs for which user has to give his comments & recommendations.
Step 18 to 20 deals with specific tabs designed for different range of limits i.e limits ofupto Rs.2 lacs, Rs.2 to Rs.10 lacs, Rs.10 to 50 lacs
Step 21 deals with the limitations of the package
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STEP2
CREATION OFNEWAPPLICATION
Click the sub menu NEW
APPLICATION available in themain menu Search the
customer either with the help of
Customer ID or Borrower Name Click on the Company namedisplayed
1)Then system gives theoption to the user to
choose between proposalfor upto Rs.2 lacs or above
Rs.2 lacs. User has to
select the option as per hisrequirement.
2)Then system gives anotheroption to the user whether
to retain the financials ofprevious proposal or not.
User has to select theoption as per his
requirement3) If it is new customer ID,
click NO to proceed furtherto enter the application
details
4) If it is an existing customerID and if the user wants toretain the financials of the
previous proposal of thesame party clickYES or
click NO to proceedfurther to enter the
application details.
5)Now the following tabs willbe visible wherein the user
has to fill up the exactcontent of the application.
Here system
facilitates the userto retain the
details of previous
application toavoid repetition ofgiving inputswhich will be
generally useful atthe time of
renewal offacilities
NOTE: Now fill up each tab with required inputs with the help of the followingexplanation.
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STEP4
OWNERSHIP &MANAGEMENT
This tab contains 3 sub tabs1)Promoter/Directors
2)Share Holding pattern3)Management
PROMOTER/DIRECTORSIn this tab information with
regard to the ownership of thefirm has to be given
The content in this
tab comes as anoutput in theprocess note.Hence fill it with
due care
SHARE HOLDINGPATTERNIn this tab No. of shares held,face value and percentage of
share holding has to be given
MANAGEMENT In this tab details about theManagement have to befurnished
STEP5
BRIEF HISTORY This tab contains 6 sub tabs1)Brief History
2)Technicalaspects/products
3)Marketing arrangements4)Major development if
any in the company5)SWOT analysis
6)Future outlook of thecompany
The content in this
tab comes as an
output in theprocess note.
Hence fill it withdue care
STEP
6BANKING
ARRANGEMENT
This tab contains 4 sub tabs
1)Banking Arrangement
2)Dealings ofAssociate/Sister/
Group companies3) Current account
Details4)Repayment of
existing loans
BANKINGARRANGEMENT
For any existing limits where
neither enhancement nor
renewal is proposed, those
existing limits have to be enteredin this Banking arrangement tab.
Here details of 1) Sole 2) Multiple3) Consortium limits with our
bank and as well as with otherbanks have to be entered.
The content in this
tab comes as an
output in the
process note.Hence fill it upwith due care
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DEALINGSASSOCIATE /GROUPCOMPANIES /SISTERCONCEERNS
Here details of Associate/Groupand Sister concern have to be
entered.
The content in thistab comes as
output in theprocess note.
Hence fill it up
with due careCURRNET A/CDETAILS Details of existing currentaccount have to be entered hereREPAYMENT OFEXISTINGLOANSDetails of repayment of existinglimits have to be entered here
STEP
7GUARANTORS &
SECURITIES
This tab contains 2 sub tabs
1)Guarantor2)Securities
The content in this
tab comes as anoutput in the
process note.Hence fill it up
with due careGUARANTOR Here particulars of guarantorshave to be enteredSECURITIES Here details of Movable andimmovable securities have to be
entered
STEP8
FINANCIALS This is very important area wherethe user has to take specialcaution while filling the financialdata. System will give all
arithmetic output basing on thevalues given in this tab and
basing on the selection offinancial years for assessment aswell as for rating
This tab contains 4 sub tabs
1)Operating Statement2)Liabilities
3)Assets4)Other parameter
Here user can fillup or uploadvalues of thefinancial
statements.
Once the dataentry/upload isover click apply
and then clickcalculate to enable
the system toarrive at the
subtotals andtotals. Dont forget
to select base
years for financials& base year forrating to get the
financial as well asrating outputs.
OPERATINGSTATEMENT & Here the values of given financialstatements i.e operating
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BALANCE SHEET(LIABILITIESASSETS)statement, Balance Sheet has to
be filled up.
1)To start with click edit and givethe dates of financial years and
also select the respective type of
financial data i.e Audited, Un-audited, Estimate, Projected etc;
2) Then select base years forassessment of financials as well
as for rating and then enter the
financial data in the respectiverows.
3) Once the data entry is over
click apply and then click
calculate to enable the system toarrive at the subtotals and totals.
4) Initially system allows the userto enter data for 5 financials
years. If user wants to enter thedata for more than 5 years
complete the above procedureand edit the date of financial
years that suits his requirement
and start entering the data fornext five years. In this scenario
system allows the user to enternew data duly saving the datathat has already entered.
5) User can view the financialdata of first 5 years by clicking
the button PREVIOUS and next5 years data by clicking the
button NEXT.
6) Ensure the check sum inAssets tab as zero to confirm the
tally of Balance sheet If there is
any difference in the dataentered under LIABILITIES and
ASSETS. The same will be
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shown under check sum.
Accordingly user has to rectifythe mistakes in the data entry
until the check sum becomeszero.
OTHERPARAMETER
Whenever user wants to know
the Capital Gearing ratio for theassessment of Non fund based
limits, this field should be filledup.
STEP
9UPLOAD OFFINANCIALS
There is a facility in the system
to upload the Financials suppliedby the borrower in the specified
format for a specific application.
In this case User need not enterfinancials manually in the
packageProcedure to upload
financials into LAPS package:1)Download Blank Financial
Template available in themain Corporate Menu and
get it filled up by theborrower.
2)Go to financials page andclick the button upload
financial Data available inthe Tab OperatingStatement. Then System
prompts the user to givethe path of file. Browse the
path for filled in uploadformat and then click the
button UPLOAD. Systemgives a message
Successfully Uploaded
3)Then click Edit, Apply,Calculate in each tab of
financials i.e OperatingStatement, Liabilities,
Assets and Other
This is an
alternative methodto the above
mentioned manual
entry for filling upthe financial data
Blank Financial
upload format isavailable in the
main CORPORATEMENU.
User need not
download theformat every time
for everyapplication. And itis a one time
activity.
Once the userdownloads this
format, save itsome where in the
PC for future use.
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parameters to save the
data uploaded.4)The system updates
subtotals and totalswherein the user has to
ensure tallying of the
Balance sheet throughChecksum
STEP10
RISK RATINGThis tab Contains 2 sub Tabs
1)Rating Analysis2)Rating Output
If any scoring
point is notapplicable for a
particularborrower or
proposal, selectNot applicable so
as to eliminatethat point from the
total score and toarrive at theactual normalized
score.
RATINGANALYSIS
Here user gets the relative ratingmodel as per the selection made
in the Formats Required tabunder the main tab
FACILITIES & FORMATS
Now User has to choose the
required rating points to get theeligible score of the borrower.
RATING OUTPUTThis is the area where the user
will get the actual score of therespective rating model and can
take the printout of the ratingoutput with the help of the print
option provided.
STEP
11FINANCIALANALYSIS ANDASSESSMENT
Here system will generate
various types of statements of
financial analysis, analytical andfinancial ratios along with various
methods of assessments thatare required for an appraiser to
appraise the loan.
System displays the following
outputs with which the user cangive his/her comments onvarious parameters
1) Analytical & ComparativeRatios
2) Funds Flow Statement
Here user can not
change any values
of the said outputsas the outputs
derived will be onthe basis of the
inputs given underfinancials and also
on the basis of
predefinedformulae set in thesystem.
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3) Assessment methods like
a) Turnover Methodb)Second Method of
lending
c) NWC Build up etc.
STEP12
ANNEXURES This is the tab where the userhas to give the supplementary
information of the Annexures
System displays different typesof Annexures basing on the
formats of process notes selected
User can generate the printoutsof the respective annexures
under the tab Process Note
Here user has togive the inputs for
the annexuresrequired for that
specific proposal.
STEP
13COMMENTS &RECOMMENDATIONS
Here user has to give his/her
comments on various aspects like
1)Comments on FinancialIndicators (User can take a
print out of Financialindicators from the tab
Financial analysis &assessment and use thesame as ready reference
for giving these comments)2) Inspection comments
3)Compliances4)Other comments if any as
per the fields available5) Recommendations of the
appraiser.
The content in this
tab comes as anoutput in the
process note.Hence fill it with
due care.
STEP14
KEYINFORMATION
This tab is key and very vital toget the process note with
This is very vitaltab wherein user
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relevant information.
User has to visit this tab
invariably and has to fill themandatory fields to get the
proper output.
Present reference is the subjectpart of the proposal hence it
should be filled up with relativeinformation
has to give the
required input toget the proper
output of processnote.
STEP
15TERMS &CONDITIONS
User has to visit this tab to get
the Terms & Conditions both inprocess note and sanction letter.
The total bunch of all terms &
conditions will be picked up bythe system both in process note
and sanction letter by justvisiting this tab
If any particular sub head ofterms and conditions is not
required by the user, the samecan be deleted with the help of
the button Delete Terms
User has to
invariably visit thistab to get the
Terms &Conditions, both in
process note andsanction letter
STEP16
PROCESS NOTE This is the area where finaloutput of Process note and
Annexures can be generated
Here system givesdesired outputs as
per the selectionof formats doneinitially at
Facilities andFormats
STEP17
WORK FLOW Here user can send the proposalfrom one desk to another desk as
per the hierarchy of theorganization structure
1) Work Flow Action Select
the work flow point (select the
relative radio button) Select therecipient select the user, Selectthe purpose, enter the remarksand click send.
This is the tabwherein appraiser
can send theproposal to
another user.
This is also the
area whereinsanctioningauthority mayapprove the
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2) In case if the branch userwant to send it to ZO then select
Organisation Select recipient(i.e) user ID at ZO and give
remarks and send.
3) Approval / Rejection
Workflow Action Enter theSanction Letter No. & Due Date
of Sanction enter the remarks click approval / Rejection
button
proposal to get the
sanction letter.
ABOUT SPECIFIC TABS WITH REGARD TO VARIOUS LIMITSSTEP
18FOR LIMITS OFUPTO Rs. 2 lacs
The following are the specifictabs provided for these limits
BASICDIFFERENCE OFTHIS MODULEWITH OTHERMODULES
In this module user will have theoption to get the assessmentsautomatically from the financialsentered in the system oralternatively he can assess the
limit manually without entering
the financials but duly enteringthe required values in the relative
fields of assessments
So enteringfinancials likeBalance sheet &operatingstatement is not
mandatory for this
module unlikeother modules of
above Rs.2 lakhsACTIVITY &ASSESSMENT
A new tab Activity &
Assessment is available in thismodule wherein relative fields for
RT,BE, PSE & RTO loans will beenabled as per the selectionmade by the user in the facility
page.
RISK RATING Even though there are no specificrating models stipulated for limits
of upto Rs.2 lacs, Provision isgiven to get the rating basing on
the existing rating models forsmall loans. It is upto the user to
use the same or not
STEP19
FOR LIMITS OFRs. 2 lacs to Rs.
The following are the specifictabs provided for these limits
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10 lacsOPERATIONS INACCOUNT Relative information has to be fedhere -do-POSITION OFACCOUNT Relative information has to be fedhere -do-
STEP20
FOR LIMITS OFRs.10 to 50 lacs
The following are the specifictabs provided for these limits
OPERATIONS INACCOUNT Relative information has to be fedhere The content in thistab comes asoutput in the
process note.
Hence fill it upwith due care
BUSINESSTURNOVER Relative information has to be fedhere -do-
STEP 21LIMITATIONS OF THE LAPS CORPORATE MODULE:
Unlike other Modules of LAPS package, LAPS-Corporate Module has the
following limitations for which user has to take necessary extra precautionswhile appraising & sanctioning the Loan proposals.
1INTERESTRATES
User has to specify the interestRate as per the Facility, Limit &
period of loan and system will notpopulate interest rate
automatically
System will notpopulate the
Interest Ratesautomatically.
2DELEGATION OFPOWERS
User has to be very careful and
ensure himself about his/herdelegation of powers assigned /
applicable as per his cadre and asper the limits proposed to be
sanctioned for a particularborrower and for a particulartype of facility and System willnot check/validate the
delegation of powers.
There is no check
/ validation ofdelegation of
powers in thesystem. User
should verifyhis/her powersmanually whilesanctioning a
proposal.
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3EXPOSURENORMS
Even though Exposure norms are
parameterized in the system toprovide necessary alerts at the
time of filling up the facility page,alerts will come basing on the
data available in the laps
database. Hence exposures withregard to single borrower, Groupborrowers, Industry may be
correct wherever complete dataof that particular borrower is
available in LAPS database.
4FINANCIALANALYSIS
Output of Financial analysis isvery much dependant on the
input given by the user infinancials page. For any change
in the output user has to inputthe relative data in the financials
5 ASSESSMENTSSystem shows different types of
assessments basing on the typeof the loan and size of the limits.
Appraiser has to take decisionsduly analyzing the outputs.
***End of Document***