Masaref Consulting

Actual Global Limit AGL

Session By Wagdy Mounir

T24 Technical Consultant

Inma Bank CaseInma Bank Case1- Core Doesn’t meet 1- Core Doesn’t meet RequirementsRequirements2- Security Issues2- Security Issues

Work Shop 2Work Shop 21- Employer Sample1- Employer Sample2- Pre Global Limit Demo2- Pre Global Limit Demo

Work Shop 1Work Shop 11- Parameters1- Parameters2- AGL Setup2- AGL Setup3- Document Setup3- Document Setup

Work Shop 3Work Shop 31- AGL Application1- AGL Application2- Scoring Demo2- Scoring Demo

ConclusionConclusion

AgendaAgenda

IntroductionIntroduction1- Who are we ?1- Who are we ?2- Why AGL?2- Why AGL?

3- What is Scoring3- What is Scoring??

1- AGL Layers1- AGL Layers2- AGL Work Flow2- AGL Work Flow3- AGL Document Managment3- AGL Document Managment

Actual Global LimitActual Global Limit

IntroductionIntroduction

• MASAREF is a software solution and professional services company, specialized in Temenos T24 and Islamic core banking system.• MASAREF is based in Dubai (UAE)

and operating in the Middle East, our aim is to expand throughout the region. 

• Actual global limit is a very necessary product for any bank as based on it the bank can supply any of his products.

• AGL. Make it secure for all Islamic and non-Islamic loans and products.

• AGL. Keeps tracking on the customer scores.• AGL. Automated system to calculate the

maximum funding for a specific customer• AGL. Calculate automatically the products that

the customer is eligible for.

• In T24 each customer get his own scoring depends on some ready inserted parameters such as • Age• Salary• Car owner• Occupation• Profession• Etc.

Finally for each of this parameter values he get a score according to a predefined parameter table.

Inma Bank CaseInma Bank Case

There was two main big Pain Points :

•Not satisfied by the core limit system•Security issues for the Saudi Market.

Actual Global LimitActual Global Limit

• Sector Layer• Employer sectors layer

• Employer Layer• Non Saudi employer• Saudi Employer

• Customer Date Filtration Layer• Based on customer provided data (Age and retirement

age)• Military and non military customers handling• ESOB handeling.

• Scoring Layer• As per the provided data per product.

• There are two types of Global Limit :• Actual Global Limit.• Preliminary Global Limit.

• Actual Global Limit (AGL) System is the T24’s part that managed the first process of obtaining Personal Finance. The functionality supported by AGL System are:

• applying for Global Limit• calculating customer’s scores • calculating Global Limit based on customer’s

scores, • Applying for PF Products.

• Employer Sector• Approved employer• Required documents and its samples• Authorization person and their signatures• Some parameters• Rejection reasons• GL types• Military Rank

Fill GL Application Review and Fill Additional Info

Approval & Rejection Checking SIMAH

Defining Caps (4 steps)

Personal Scoring

Prerequisite Configuration

Work Shop 1Work Shop 1

Work Shop 2Work Shop 2

Work Shop 3Work Shop 3

• Masaref had designed a new Actual Global Limit module to satesfy the Saudian market needs

• This Module is implemented and test in many areas

• System in now live in Al inma Bank for example.

Masaref Consulting