CORE BANKING SOLUTIONS
Core Banking Solutions (CBS) or Centralised Banking Solutions is the process which is completed in a centralized environment i.e. under which the information relating to the customer’s account (i.e. financial dealings, profession, income, family members etc.) is stored in the Central Server of the bank (that is available to all the networked branches) instead of the branch server. Depending upon the size and needs of a bank, it could be for the all the operations or for limited operations. This task is carried through an advance software by making use of the services provided by specialized agencies.
Due to its benefits, a no. of banks in India in recent years have taken steps to implement the CBS with a view to build relationship with the customer based on the information captured and offering to the customer, the customised financial products according to their need.
Advantages:The CBS process is advantageous both to the customers and the banks in the following manner:
Customer:
• Transaction of business from any branch, ATM that offers him anytime anywhere banking facility.
• Lower incidence of errors. Hence accuracy in transactions.
• Better funds management due to immediate availability of funds.
Banks:
• Standardisation of process within the bank.
• Better customer service leading to retention of customer and increased customer traffic.
• Availability of accurate data & Better use of available infrastructure
• Better MIS and reporting to external agencies such as Govt., RBI etc.
• Increased business volume with better asset liability management and risk management.
Auditor Reports:
Some of the selected Audit Reports are grouped and given at Annexure-1.
Guidelines for report generation:
The guidelines for how to start CBSsystem and report generation are given at Annexure-2.
General Menus:
All menus available in the CBS system are given at Annexure-3. As explained in the report generation guidelines, instead of report name, the menu name can be given at the Menu option prompt ‘|’ to go through any account or transactions for enquiry.
Additional reports:
All the reports available in the CBS system are given at Annexure-4.
Annexure 1
Seq No / Finacle menu option / Report Name / Report Description1 / ALMRPT / ALMOUT / ALM out flow report
ALMIN / ALM inflow report
2 / ASONRPT / FOREIGN / EXPORT Foreign Bills
FRG-IMP / IMPORT Forigen Bills UNDER LC/ NON LC
INW/OUT / INLAND Inward and OuTWARD
DC / Documentry credit
PACK CR / Packing Credit Report
BG / Details of Guarantee-balancing register
FBDLINK / FOREIGN_DLINKED BILL
IMLCRPT / Cons Import LC liab ledger report
INCRPT / Cons Inland Lc Liab ledger report
PCLRPT / Cons PCL Liab Ledger report
PCFCRPT / Cons PCFC Liab LedgeR REPORT
PCAD_PCLRPT / Packing Credit Advice ( pcl, pcfc)
PCAD_RPCRPT / Packing Credit Advice ( RPC, RPCFC)
PSLRPT / Cons PSL Balance Report
BOERRPT / BILL OF ENTRY REMINDER
3 / BCTTRPT / TBTRPT / Taxable Banking Transactions
WDTAXRPT / WITHDRAWAL TAX REGISter
BCTSHRPT / BCT TAX SCHEDULE
BCTRPT / Banking Cash Transaction tax report
BCFYRPT / Banking Cash Trans Financial Year Report
BCTT_INSERT / updating records int- bctt table
4 / CTRPT / CBAACC / DATA STRUCTURE OF ACCOUNT DATA FILE
CBABRC / DATA STRUCTURE OF BRANCH DATA FILE
CBACT1 / BRANCH CONTROL FILE
CBAINP / DATA STRUCTURE OF INDIVIDUAL DATA FILE
CBATRN / DATA STRUCTURE OF TRANSACTION DATA FILE
CBALPE / DATA STRUCTURE LEGAL PERSON / ENTITY DATA FILE
5 / DLYRPT / MCGLB / MULTI CURRENCY GL BAL
BR - 02 / IBR - BR02 REPORT
BR - 03 / IBR - BR03 REPORT
BR - 05 / IBR - BR05 REPORT
BR - 06 / IBR - BR06 REPORT
BR - 18 / IBR - BR18 REPORT
DR - 01 / DD - DR01 REPORT
DR - 02 / DD - DR02 REPORT
DR - 03 / DD - DR03 REPORT
DR - 04 / DD - DR04 REPORT
SBARPT / BALANCES FOR SBA ACC
CAARPT / BALANCES FOR CAA ACC
ODARPT / BALANCES FOR ODA ACC
CCARPT / BALANCES FOR CCA ACC
TDARPT / BALANCES FOR TDA ACC
LAARPT / BALANCES FOR LAA ACC
NEGRPT / DEBIT BAL IN SB/CA REPORT
CRERPT / CREDIT BAL IN CC/OD REPORT
CALRPT / CASH PAYMENT/RECEIPT
CSLRPT / CASH PAYMENT/RECEIPT
CSORPT / CASH PAYMENT/RECEIPT
TJMRPT / TRANSFER JOURNAL (Manual)
TJSRPT / TRANSFER JOURNAL (SYSYTEM)
DSHRPT / DAY SHEET REPORT
SGLRPT / DAILY POSITION
SUPRPT / SUPPLEMENTARY REPORT
CRPRPT / A/C HAVING TRANSACTIONS
FRTRPT / TRANSACTION IN FREEZE
AOCRPT / A/C OPENED / CLOSED TODAY
MTMRPT / MINOR TO MAJOR CUSTOMER
ACRENRPT / RENEWAL ACCOUNTS REP
DORRPT / DORMENT INACTIVE REP
CCABAL / BAL FOR A/C TYPE CCA
PRDMDFAIL / Principal Demand FaiLlure report for LAA
INTPAYSB / Interest Payable on SB account
INTPAIDSB / Interest Paid Report for SB accounts
INTPAYTD / Interest Payable on TD accounts
INTPAIDTD / Interest Paid Report for TD accounts
ALBACHAT / Dena Alpa Bachat Sch
LIENRPT / STATEMENTS OF LIENS expiring
OLDNEW / OLDNEW ACCOUNT LETTER
OWCLG / OUTWARD CLEARING
ISTRPT / INTERSOL TRANSACTION REPORT
SPPLTR / STOP PAYMENT ACKNOWLEDGEMENT LETTER
RETADV / CLEARING CHEQUE RETURNED ADVICE
OLDNEWALL / OLD A/C- NEW A/C ALL REPORTS
TNKS / THANKS LETTER TO INTRODUCER
TNKS_A / THANKS LETTER TO A/C HOLDER
INWARD / INWARD CLEARING REPORT
INWREJ / PROBABLE REJECT INWARD REPORT
USERVFY / USER LIST
SIDELRPT / List of Deleted Standing instructions
6 / RBTRPT / Nostro Cash / Nostro Cash Ledger
BP Suspense / BP Suspense Ledger
7 / TDSRPT / FORM16A / TDS Report form16a
FORM15G / FORM15G
FORM15H / FORM15H
FORM16A-NEW / FORM 16 A New Format
FORM26QA / FORM26QA REPORT/ASCI
FORM26QAA / FORM26QAA REPORT/ASCII FORMAT
FORM26Q / FORM26Q - TDS DEDUCTED ASCII FORMAT
8 / RRETURN / RRETURNS / R RETURN AND SCHEDULED STATEMENTS
9 / AVGBAL / AVGBAL / AVERAGE BALANCES OF ACCOUNTS
10 / CWERPT / CWERPT / COUNTRY-WISE EXPOSURE REPORT
11 / FBADVP / FBADVP / TRANSACTION ADVICE PRINTING [ FXBILL ]
12 / FBCSHRPT / FBCSHRPT / FOREIGN BILL COVERING SCHEDULE
13 / IBADVP / IBADVP / TRANSACTION ADVICE PRINTING [ IBILL ]
14 / PRTCON / WIRES / WIRES REPORT
DAILY POSITION / DAILY POSITION
AUDIT BOOKLET / AUDIT BOOKLET
Annexure 2
Step-1From explorer give the following URL to get the above Finacle opening
Step-2User Name: Password:
Give the user name allotted to your branch (say SOL ID is 0512 for
T.Nagar Chennai) Concurrent Auditor, for example CON0512 to get the below Finacle Core User Menu
Step-3To generate the report Multi Currency GL BAL
(Seq No.5) the Finacle Menu “DLRPT”and the Report name “MCDLB”
at above “Menu Option” prompt ‘|’ enter the required report Menu &
Report names. i.e enter DLRPT and click on “Accept”then at report name
Prompt enter “MCDLB” and click on “Accept” to get the below screen
Step-4After entering the “SOL Id”, say 0512, Date say 12-06-09then
click on “Accept” and give “F” at Fore/Background? and say “N” at
Print Required?. Finally to start the report generation click on “Commit”
Step-5After the report generation is over, click on “Back” twice to get back the
earlier “Finacle Core User Menu” and the “Menu Option” prompt ‘|’
Enter “PR” to get the below “Print Reports” screen
Step-6After selecting the report in the above screen using “Up” / “Down” arrow
Keys (selected indicator is “>” at the left side of the User ID) enter “t” and
click on “Commit” to view the report on screen as given below.
Step-7To copy the report soft file on your PC, instead of “t” (step 6)
twice give “Ctrl-E”
(ensure “ilink” is ON in the windows TASK bar
and “c:\temp” folder on your machine)
Annexure 3
DESCRIPTION / MENU ]A- ADVANCES REPORTS / ADVRPT
A- ALM REPORTS / ALMRPT
A- COUNTRY WISE EXPOSURE REPORT / CWERPT
A- FOREIGN BILLS COVERING SCHEDULE / FBCSHRPT
A- FOREX RELATED REPORTS / ASONRPT
A- GENERAL REPORTS / DLYRPT
A- TAX DEDUCTED REPORTS / TDSRPT
A- TERM DEPOSITS REPORTS / TDRPT
A- TXN ADVICE PRINTING( FXBIL) / FBADVP
A- TXN ADVICE PRINTING( IBILL) / IBADVP
A/c Abnormal Limits/Details Inquiry / AALI
A/c Abnormal Limits/Details Maintenance / AALM
A/Cs Due For Mid Term Review / ACDMTR
A/Cs Turnover Report / ATOR
Abnormal Transactions Inquiry / ATI
Account Balance Details / ACDET
Account Balance Details / HACDET
Account Freeze Status Maintenance / AFSM
ACCOUNT INFORMATION / ACTINF
Account Interest Details Inquiry / AITINQ
Account Interest Details Inquiry / HAITINQ
Account Ledger Inquiry / ACLI
Account Lien Maintenance / ALM
Account Lien Maintenance / HALM
Account Limit History Maintenance / ACLHM
Account Limit History Maintenance / ACLHMAU
Account Limit History Maintenance / HACLHM
Account Maintenance / ACMAU
Account Master Print / ACMP
Account Selection / ACS
Account Selection / HACS
Account Selection Print / ACSP
Account TOD Inquiry / ACTODI
Account TOD Inquiry / HACTODI
Account TOD Maintenance / ACTODM
Account TOD Maintenance / ACTODMAU
Account TOD Maintenance / HACTODM
Account turnover details / HACTI
Account Turnover Inquiry / ACTI
Account Turnover Update/Rebuild / ATO
Accounts Inquiry for Term Deposits / HACITD
Accounts of Customer / HCUACC
Acted Transactions List Report / ATR
Advanced Interest Collected Report / AICR
Agricultural Loans Master Sheet Print / ALMSP
Amortization History Of Accts / AMHOA
Amortization History Of Bills / AMHOB
Amount-slab Table Inquiry / HASTI
Annuity Calculator / ANCALC
Asset classification / HASSET
ATM CONTRA ACCOUNT MAINTANANCE / CNET
Audit File Inquiry / AFI
Audit File Inquiry / AFINQU
Audit File Inquiry / HAFI
Audit File Print / AFP
AVERAGE_BALANCE / AVGBAL
Balance details of an Account / HACCBAL
Balancing Report - Bills Purchased / BRBPR
Balancing Report - Collection / BRCR
Bank Advances Reports / BARPTS
Bank Level Query Option / HBKQRY
Bank Table Inquiry / BKTI
Bank Table Inquiry / HBKTI
Bankers Cheque Recon Report / BCREPORT
Bill and Collection History Details / HODBCH
Bill of Entry Acknowledgement / BEFACK
Billing and Collection History / ODBCHRPT
Bills Due Today But Unpaid / BDTR
Bills Events History Inquiry / BEHI
Bills Inquiry / BI
Bills Inquiry / CUBI
Bills Maintenance / BM
Bills Parameter Master Inquiry / BPMI
Bills Register Type Inquiry / BLRTI
Branch Table Inquiry / BRTI
Branch Table Inquiry / HBRTI
Calendar Table Inquiry / CTI
Cash Balance Report / CBR
Cash Credit of Customer / HCUCC
Cash Deposit Inquiry / HCASHDPI
Cash Withdrawal Inquiry / HCASHWDI
Change Your Password / CUPW
Charges Income Report / CHGIR
Collateral Entity Linkage Inquiry / HCELI
Collateral Module Reports / CLMRPTS
Collateral Status Reports / CLSRPTS
Combined Statement Detail / HCSM
Commission Report / COMR
Components of Account Balance Inquiry / ACCBAL
Credit Transaction Report For An Account / CTRA
credit/debit summary rpt / SUMRPT
credit/debit tran / TRANRPT
Current Account of Customer / HCUCA
Customer Account Ledger Print / ACLPCA
Customer Accounts Inquiry / ACI
Customer Accounts Inquiry / HACI
Customer Accounts Inquiry for Term Loans / HACILA
Customer Accounts Maintenance / ACM
Customer Accounts Maintenance / HACM
Customer Interest Pref and Peg Report / CIPPRPT
Customer Interest Report / CUIR
Customer Master Inquiry / CUMI
Customer Master Inquiry / HCUMI
Customer Master Print / CUMP
Customer Selection / CUS
Customer Selection / HCUS
Customer Selection / HCUSEL
Customer Unutilised Limit Inquiry / CULI
Customer Wise TDS Report(A/c Level Tax) / TDSREP
Customers account selection / CCUS
Customised Pass Sheet Print / CPSP
Day Report / DYRPT
DC General Purpose Report Printing / DCGPR
DD Credits Inquiry / DDIC
DD Debits Inquiry / DDID
DD Reminder / HDDREM
Delinquency Report Generation / DPDRPT
Delivery Channel transaction details / HDCDET
Deposit Transactions Report / DTR
Document expiry Report / DER
Document Tracking Report / DOCTR
Documentary Credits Liability Register / DCLIABRG
Documentary Credits Query Printing / DCQRYP
EB Upload Report / EBRPT
EI Reports / EIRPTS
EMI Loans Interest Details Report / EMIINTR
Exceptions Report / EXCPRPT
Extended Foreign Bills Statement / FBEXTD
Fate Inquiry / FI
FEX Bills Parameter Master Inquiry / FBPMI
FEX Bills Register Inquiry / FBRI
Financial Transactions Inquiry / FTI
Financial Transactions Inquiry / HFTI
Financial Transactions Inquiry & Report / FTR
Fixed Deposits Opening Closure Details / FDOCD
FOREIGN BILL DISCREPANCY REPORT / FBDISCR
Foreign Bills Export Claim Report / FBERC
Foreign Bills History Inquiry / FBHI
Foreign Bills Inquiry / FBI
Foreign Bills to be Delinked Statement / FBDLNK
FOREX Turnover Report / FXTR
Forward Contract History Inquiry / FWCHI
General Details / HACCDET
General details of Customer / HCUDET
General Scheme Parameters Inquiry / GSPI
Generate Advices Report / GENADV
Guarantee Inquiry / GI
Guarantee Parameters Inquiry / GPI
Hot Card / HOTCARD
Hot Items Inquiry / HHII
Hot Items Inquiry / HII
Hot Items Lookup / HTINQ
IBR-ATM File Download / IBRATM
Income/Expenditure Analysis Register / IEARP
Income/Expenditure Monitoring Report / IEMRP
Inquire Account Number for a Cheque / INQACHQ
Inquire On Clearing Transaction Sets / IOCLS
Inquire on GL Transactions / HIOGLT
Inquire on GL Transactions / IOGLT
Inquire on Transactions / HIOT
Inquire on Transactions / IOT
Inquiry on History of Partition A/c / PHINQ
Inquiry on Partitioned Account / HPARTINQ
Inquiry on Partitioned Account / PARTINQ
Insurance Cover Gurantee Report / ICGR
Inter Sol Transaction Report / ISTR
Interest calculator for deposits / DEPINT
Interest Inquiry For RPC Accounts / RINTINQ
Interest Paid on Delayed Collection / IPDCR
Interest Report For Accounts / AINTRPT
Interest Report For Bills / BINTRPT
Interest Report For RPC Disbursements / RINTRPT
Interest Slab Inquiry / INTSI
Interest Table Code Inquiry / HINTCI
Interest Table Code Inquiry / ITCI
Interest Table Inquiry / INTTI
Inventory Inquiry, Split and Merge / ISIA
Inventory Movement between Locations / IMC
Inventory Movement Inquiry / IMI
Inventory Movement Report / IMR
Inward Cheques Inquiry / HICI
Inward Clearing Transaction Maintenance / ICTM
Inward Remittances Maintenance / IRM
IRR Calculation Report / IRRCAL
Irregular Recurring Deposits Report / IRRDEP
LADGEN Reports Rename / RENAME
Large Amt Chqs Disc - Daily Reporting / LCDDR
Large Amt Chqs Disc - Monthly Reporting / LCDMR
Large Reference Code Inquiry / LRCDI
Limit Details / HACLHI
Limit Liability Inquiry/Report / LLIR
Limit Node Details Inquiry / LNDI
Limit Node History/Tran Inquiry/Report / LNHTIR
Limit Node Inquiry / HLNI
Limit Node Inquiry / LNI
Limit Tree Lookup / LTL
List of overdue and matured F/Cs / FWCODLST
List of Pending and Dishonored Bills / FBPADB
Loan Account General Inquiry / HLAGI
Loan Account Master Print / LAMP
Loan Account menus - Online Services / LAACCTS
LoanAccountPass Sheet Print / LAPSP
Loan Accounts of Customer / HCULA
Loan Future Installment/PDC Report / LAFIRPT
Loan Inquiry / HLAI
Loan Interest Table Code Inquiry / LAITCI
Loan Interest Version Slab Inquiry / HLVSI
Loan Interest Version Slabs Inquiry / LVSI
Loan Payment Menu / LAPAY
Loans Collection and Position Report / LAPOSR
Loans General Inquiry / LAGI
Loans Overdue Demand Reminder/Report / LAODR
Loans Overdue Position Inquiry / HLAOPI
Loans Overdue Position Inquiry / LAOPI
Loans Repayment Schedule Report / HLARSH
Loans Repayment Schedule Report / LARSH
Local Bill Discounting / LBDR
Maintain Clearing Zone / MCLZOH
Maintain Inward Clearing Zone / MICZ
Manual Card File Generation Menu / CARDGEN
Maturity Periodwise Dist of Deposits / MDD
Office Account Ledgers Print / ACLPOA
Offline Transaction Inquiry / OTRINQ
Online Services Menu / ONSMNU
ONS Administrators Utilities Menu / ONSDBMNU
ONS Back Office Functions Menu / ONSBOMNU
Open an Account / OAAC
Outstanding Items Report / MSGOIRP
Outward Cheques Inquiry / HOCI
Outward Clearing Instruments Inquiry / OIQ
Outward Clearing Value Date Report / VALDTRPT
Outward Clg Part Tran Inquiry / OPQ
Outward Clg Transaction Maintenance / OCTM
Outward Remittances Maintenance / ORM
Overdraft Accounts of Customer / HCUOD
Packing Credit Liability List / PCLIALST
Packing Credits Reports Menu / PCRPTM
Partywise Overdue Packing Credits / POVDPC
Pass Book Print / PBP
Password Maintenance / PWMNT
Past Due A/c Details Inquiry And Report / PDADI
Payment system menus - Online Services / PYMTSYS
Pending Installments List / PLIST
Portfolio details of Customer / HCUPSD
Position Of Currency / CRNPOS
Position of Currency / HCRNPOS
Print Clearing Schedule / PCLSO
Print Inward Clearing Schedule / PICS
Print Inward Clearing Waste / PICW
Print P & L Report for Branch / PLBRAN
Print Queue Inquiry / HPRTINQ
Print Reports / PR
Print Subsidiaries / PSD
Print Subsidiaries / PSGL
Print Transaction Log / PTW
Print Waste / PWO
Printing Maha Reports / PRTMR
PRR2 Monthly review of irregular A/c' / PRR2
PRR25 Report of rejected cheques / PRR25
PRR38 Statement of Daily Cash Position / PRR38
PRR4B Review of DPG's / PRR4B
PRR8 Credit and review programme / PRR8
PRTCON : PRINT CONSOLIDATED REPORT / PRTCON
PSR 1 : FLASH Report / PSR1
PSR11 REPORT / PSR11
PSR16 Breakup of Dep & Adv-Int Ratewise / PSR16
PSR2 Statement of deployment of funds / PSR2
PSR29 - Agricultural Loans Return / PSR29
PSR32 Sanction Limits For Accounts / PSR32
PSR49 Quarterly Statement on Int A/c / PSR49
PSR7 Advances to Specified Communities / PSR7
Query on Documentary Credits / DCQRY
Query on forward contracts / FWCQRY
Quick Balancing Report / QBR
R Return5 Report / RRETURN5
Ratelist History Query / HRTHQRY
Ratelist History Query / RTHQRY
Ratelist Printing / PRRTL
Ratewise Distribution of Deposits / RDD
Register Table Balance Inquiry / RBTI
Renewal History of TD Account / HRENHIST
Renewed Accounts Lookup For Deposits / RELACI
Report for Income Tax Purposes / ITR
Report For Partly Funded Deposits / PARTFUND
Report of Accounts Below Min Balance / ABMR
Report on Expiring Documentary Credits / DCEXPLST
Report on Irregular Packing Credits / PRR2B
Reports Of Export Orders / EXPRPT
Reports Of PCA Accounts / PCARPT
Reports Of RPC Accounts / RPCRPT
REPORTSS DESCRIPTION / REPORTS
Review Of Pending And Dishonoured Bills / BDR
R-Return and Schedules Statements / RRETURN
Run Service Outlets Validation Process / SOLVAL
Salary Upload Exception Report / SERT
Salary Upload Menu / SALPAY
Savings Account of Customer / HCUSB
Schemewise Distribution of Deposits / SDD
Sectorwise Overdue PCs Statement -PRR15B / PRR15B
Security Register Maintenance / SRM
Service Outlets Status Inquiry / SOLSTAT
Shrof Cash Rpt-All / SCWRPTA
Shroff Cash Report / SCWRPT
Specific DD Issued Inquiry / DDII
Standing Instruction Inquiry / HSSII
Standing Instruction Maintenance / SIM
Standing Instructions Inquiry / SII
Stat 10 Report / STAT10
Stat 5 Report / STAT5
Stat 8 Report / STAT8
Stat 9 Report / STAT9
Statement of Documentary Credit / DCSTMT
Statement of FX Accounts / FXACSTMT
Statement of Overdue Import Bills / FBOIB
Statement on Exporters Assisted / PSR14
Statement on PCs in Default/Limits / PCYCS
Statistical Report on Bills / SRBBR
Stop Payment Register / SPRG
STR 11 : RBI Statement / STR11
STR 11A : RBI Statement / STR11A
STR14: Adv to Undertakings under MRTP / STR14
STR19 Insurance covered guarantee report / STR19
STR8 List of Secured & Unsecured Advance / STR8
Summary details of Customer / HCUSUM
Suspect Transactions Report / SUSPTRAN
Sweep details of Customer / HCUSWP
Swift Messages Inquiry / SMI
TD Account meuns - Online Services / TDACCTS
TDS Inquiry & Printing / HTDSIP
TDS Inquiry & Printing / TDSIP
Term Deposits Interest Slabs Inquiry / TVSI
Term Deposits of Customer / HCUTD
TOD Criteria and Selection / HTODCS
TOD Criteria and Selection / TODCS
TOD Register Printing / TODRP
Tran Inquiry / TRANINQ
Tran list display / TRANLIST
Transactions Inquiry / HACLI
Transactions Inquiry / TI
Transfer Acct menus - Online Services / TRACCTS
Treasury Transaction Report and Inquiry / TRTRI
Turnover Summary of Customer / HCUTI
Unresponded Transactions Report / URT
Unresponded Transactions Report(Br) / UNRESP
Usance Bills Discounted -POR7 / UBDTR
User Login Maintenance / SAC
What If Analysis of Account Liability / WIAAL
XOS Statement / XOSSTMT
Annexure 4