Oracle MIS management information system (MIS), Esquemas de Sistemas Operacionais

Baixe Oracle MIS management information system (MIS) e outras Esquemas em PDF para Sistemas Operacionais, somente na Docsity!

Management Information System

Oracle FLEXCUBE Universal Banking

Release 11.3.

[May] [2011]

Oracle Part Number E51536-

Management Information System

1. About this Manual

1.1 Introduction

This manual is designed to give you an understanding of the Management Information System module of Oracle FLEXCUBE. Apart from assisting you in generating reports, this manual guides you in the definition and maintenance of MIS classes and cost codes, MIS groups, MIS heads, MIS pools and refinancing rates. You are also taught how to define MIS details for a customer, an account class, a product and a contract.

1.2 Audience

This manual is intended for the Customer Service Representatives (CSRs) and the bank staff in charge of setting up new products in your bank.

1.3 Organization

This manual is organized as follows:

Chapter 1 About this Manual gives information on the intended audience. It also lists the various chapters covered in this User Manual.

Chapter 2 Defining MIS Class Code describes how to define MIS classes and link them to several entities.

Chapter 3 Defining MIS Cost Codes explains the procedure for defining and maintaining MIS cost codes.

Chapter 4 Defining an MIS Group describes in detail how the definition of an MIS group simplifies the process of associating an account, product or a transaction to several other entities.

Chapter 5 Defining MIS Heads describes the procedure for defining MIS heads. This includes the linking of an MIS head to an accounting entry, indicating whether the MIS head should be considered for refinancing and the operations that can be performed on an existing MIS head record.

Chapter 6 Defining Pool Codes and Refinancing Rates explains how to assign unique codes to MIS pools and how, for each pool, you can maintain refinancing rates in different currencies.

Chapter 7 Making MIS Adjustments for a Pool specifies the manner in which you can allocate the amounts to be reported from one MIS code to another.

Chapter 8 Defining MIS details for a Customer, Account Class, Product and Contract enumerates the steps that you should follow while defining MIS details for a customer, an account class, a product or a contract.

Chapter 9 Reports provides a list of reports that can be generated in this module and also explains their contents.

Conventions Used in this Manual

Important information is preceded with the symbol.

1.4 Glossary of Icons

This User Manual may refer to all or some of the following icons.

Icons Function

New

Copy

Save

Delete

Unlock

Print

Close

Re-open

Reverse

Template

Roll-over

Hold

Authorize

Liquidate

Exit

Sign-off

Help

Add row

Delete

2. Defining MIS Class codes

2.1 Introduction

In simple terms, an MIS Class represents a type of entity based on which you want your reporting to be done. An MIS Class will be the most general definition for MIS reporting, under which you can have several entities.

For example, if you want reports on the profitability of accounts officers, you would define Accounts Officer as an MIS Class. Accounts Officers in your bank would report to this MIS Class. Similarly, you define Cost Center as an MIS Class if you want reports based on the cost centers in your bank. You can have the various cost centers in your bank linked to the MIS Class of Cost Center. Business Segment, Industry Segments are other examples of an MIS Class.

The definition of MIS Class renders the entire MIS reporting absolutely flexible. By defining a class of your choice, and linking several entities to it, you can generate management information as per your requirement.

In a centralized database architecture, an MIS Class is defined in the Head Office branch of your bank, and is used by all the branches on the database.

2.1.1 Invoking the MIS Class screen

You can invoke the ‘MIS Class Maintenance’ screen by typing ‘GLDCLASS’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

If you are creating a new MIS Class, select ‘New’ from the Actions Menu in the Application toolbar or click new icon. The ‘MIS Class Maintenance’ screen is displayed without any details.

If you are calling an MIS Class that has already been defined, double-click on an MIS Class from the summary screen.

2.2 MIS Type

The most basic attribute of an MIS class is the ‘type’ of its class. An MIS class can belong to one of the following types:

 Transaction Class

 Customer Class

 Composite Class

 Fund Class

 Allocation Class

To meet these requirements in Oracle FLEXCUBE firstly, define an MIS Class called Locations. All the four location of your organization - Delhi, Mumbai, Chennai, Calcutta, will be created as MIS Codes under this MIS Class.

Similarly, create another MIS Class called Departments. All the departments within your organization (Administration, Financial Control, Products Division, IT Solutions etc) will be created as MIS Codes under this MIS Class.

Consequently, details of salary expenses incurred across-locations will be available under the MIS Class called Locations. The department-wise salary disbursement details will be available under the MIS Class called Departments. Both these MIS classes will be of the Allocation Class type.

Fund Class

Your bank may float a number of funds like Mutual Funds, Growth Funds, and Income Funds etc. You may want to view details on each of the funds. You can achieve this by defining Funds as an MIS Class and have the various funds reporting to it. Each of these funds would be defined as an MIS Code and then linked to the MIS Class ‘Funds’. This is a Fund type of MIS Class.

2.2.1 MIS Code

An MIS Code can be called an entity for which you want profitability reports. Each MIS Code will report to an MIS Class. Consider the following examples:

 Accounts Officer is an MIS Class. To this MIS Class will report all the Accounts Officers of your bank. With this structure, you can generate profitability reports for each Accounts Officer. Elizabeth Towers, Sam Brown, and Connie Beckwith, are some of your accounts officers.

 Cost Center is an MIS Class. The various cost centers in your bank will be classified under this MIS Class. Thus, the various departments in your bank will report to this Cost Center, so that you can generate profitability reports for each cost center. Short Term Loans, Incoming Bills, and Import Letters of Credit can be some of your cost centers.

 Industry Segments is an MIS Class. The various industries to which your customers belong will report to this MIS Class. Manufacturing, agriculture (cash crops) and financial institutions can be some of your industry segments.

In these examples, Elizabeth Towers, Sam Brown, and Connie Beckwith will each have an MIS Code, all under the MIS Class 'Accounts Officer'.

Similarly, Short Term Loans, Incoming Bills, and Import Letters of Credit will have an MIS Code each, under the MIS Class 'Cost Center'. The same concept applies to Industry Segments also.

An MIS Code is added on to an MIS Class either through the New operation on the MIS Class screen or through the ‘Amend’ option on an existing MIS Class record. Once an MIS Class has been stored, you can add MIS Codes to it by unlocking the MIS Class record and adding the required MIS Code.

The ‘MIS Code’ list contains the MIS Codes attached to the selected MIS Class. To add a new record to the ‘MIS Code’ list, click add icon.

To delete an MIS Code(s) from the list, choose the MIS code(s) using the checkbox next to it and then click delete icon.

2.2.2 Operations on the MIS Class record

On an existing MIS Class record, you can perform the following operations (if any function under the Actions Menu is disabled, it means that the function is not allowed for the record):

 Amend the details of an MIS Class

 Authorize an MIS Class

 Copy the details of an MIS Class on to a new one

 Print the details of an MIS Class

 Delete an MIS Class

Please refer to the manual on common procedures for details of these operations.

If you are creating a new MIS Cost Code, select ‘New’ from the Actions Menu in the Application toolbar or click new icon. The ‘MIS Cost Code Maintenance’ screen is displayed without any details.

If you are calling an MIS Cost Code that has already been defined, double-click on an MIS Cost Code from the summary screen.

3.1.2 Type

The MIS Cost Code can belong to one of the following types:

Number of transactions

This typically applies for calculating the cost of processing a transaction involving an account.

You can indicate the amount to be considered as the notional cost for each transaction.

Example

You may incur a certain amount for every transaction you process of a savings account a particular category. This cost could be different for processing transactions in a different type of savings account or for current accounts.

You should define different MIS Cost Codes and link them to the appropriate account classes.

Event based charges

The notional cost applicable for processing an event can be defined as a cost code. Typically, this applies for a contract.

Example

For processing an event in the lifecycle of a loan, you may want to attach a certain cost. You can define a cost code for it and link it to the product.

Similarly, you can define a different notional cost for different events in the lifecycle of a contract. Thus, you can have a cost code for initiating a loan, one for liquidating interest, and so on, and link them to the product with the appropriate event codes.

The notional cost that you define will be taken as the cost per event.

Duration based charges

These changes are applied typically for a contract. The notional cost in this case, is calculated on the basis of a specific duration. This notional cost is defined for a cost code. The following example illustrates how this cost is applied on a contract.

Example

If a loan is live for a month, the notional cost you incur is a specific amount. You would define a duration based cost code, define the periodicity as 'monthly'. For every month a loan linked to the cost code is live, the notional cost will be applied.

3.1.3 Cost

The notional cost, along with the currency in which it is expressed should be indicated for the cost code. The cost will be applied based on the Cost Code type, as follows:

Number of transactions

The amount is taken as the cost per transaction

Event The amount is taken as the cost per event

Duration The amount is taken as the cost for the period defined as the periodicity, for the cost code

If a currency conversion is involved during reporting, the prevailing conversion rate will be used.

3.1.4 Periodicity

This is the periodicity at which the costs defined have to be applied. In the profitability report, the notional cost reported would depend on the periodicity defined for the cost code.

For a quarterly, half-yearly or yearly periodicity, you should also indicate the first month of application. The subsequent application months would be computed based on this.

3.1.5 Operations on the MIS Cost Code record

On an existing MIS Cost Code record, you can perform any of the following operations (if any function under the Actions Menu is disabled, it means that the function is not allowed for the record):

 Amend the details of an MIS Cost Code

 Authorize an MIS Cost Code

 Copy the details an MIS Cost Code on to a new one

 Print the details of an MIS Cost Code

 Delete an MIS Cost Code

Please refer to the manual on Common Procedures for details of these operations.

In a similar fashion, MIS Groups can be defined in various ways and used for linking MIS entities to an account class, account, product, or transaction.

4.1.1 Invoking the MIS Group screen

You can invoke the ‘MIS Group Maintenance’ screen by typing ‘MIDGROUP’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

If you are creating a new MIS Group, select ‘New’ from the Actions Menu in the Application toolbar or click new icon. The ‘MIS Group Definition’ screen is displayed without any details.

If you are calling an MIS Group that has already been defined, double-click an MIS Group from the summary screen.

4.1.2 Operations on the MIS Group record

On an existing MIS Group record, you can perform any of the following operations (if any function under the Actions Menu is disabled, it means that the function is not allowed for the record):

 Amend the details of an MIS Group

 Authorize an MIS Group

 Copy the details an MIS Group on to a new one

 Print the details of an MIS Group

 Delete an MIS Group

Please refer to the manual on common procedures for details of these operations.

4.1.3 MIS Cascading

You can have a particular MIS group defaulted in the MIS Subsystem of the following screens at the time of creation of records:

 Customer Maintenance Screen

 Account Class Maintenance Screen

 Customer Account Maintenance Screen

 All the Products Screens

 All the Contract Screens

Once these records are authorized, you can change the MIS Group values (i.e. MIS Codes linked to the MIS Class) in the MIS Group Maintenance screen. During EOD, the batch program ‘MIGCASCD’ maintained at the Post EOTI level will cascade the modified MIS Codes in the above screens. As a result, the system replaces the MIS Codes that are provided at the time of creation of the above records by the MIS Codes maintained in MIS Group.

4.1.4 Feature ID Maintenance

If you maintain feature ID for all branches, the system displays the MIS class values and MIS codes in the MIS subsystem of the following screens.

 Customer Maintenance Screen

 Account Class Maintenance Screen

 Customer Account Maintenance Screen

 All the Products Screens

 All the Contract Screens

Balance

Indicates that the accounting entry should be considered for calculating the Cumulative Average Balance. Typically, an asset entry would be classified under the balance type MIS Head. The GL entry leg of a loan disbursement transaction, would typically be classified under a Balance type of MIS Head.

Income

Indicates that the accounting entry should be considered as an income for the purpose of profitability reporting. Clearly, any interest or charge income would be classified under an Income type of MIS Head.

Expense

Indicates that the accounting entry should be considered as an expense for the purpose of profitability reporting. Any interest, postage, or tax expense would be classified under an expense type of MIS Head.

Contingent

Indicates that the accounting entry should be considered as a contingent entry for the purpose of profitability reporting. A forward FX deal, the issue of an import Letter of Credit, etc., are examples of contingent type of entries. You can generate a report that gives the balances due to such contingent type of entries.

Under each type of MIS Head, you may define additional MIS Heads, as per your reporting requirement. For example, you can have an MIS Head for each loan product, so that you can have the cumulative average balance due to all the loans disbursed under the product.

5.1.3 Refinance

The ‘Refinance’ option is provided for marking MIS Heads for refinancing. For MIS Heads that are marked for refinancing, the refinancing income or expense would be calculated, on the cumulative average balance, for the reporting period. You would typically mark a balance type of MIS Head for refinancing.

This option is provided because not all the balance type of entries would come under the umbrella of refinancing. To enable this option select the check box beside ‘Refinance’.

5.1.4 Linking an MIS Head to an accounting entry

Each accounting entry generated in Oracle FLEXCUBE will have a transaction code that describes the nature of the entry. These transaction codes are defined by you, depending on your requirements.

An MIS Head can be attached to a transaction code. A transaction code is attached to an accounting entry when an event is defined for a product, through the ‘Product Event Accounting Entries Maintenance’ screen. Thus, whenever a transaction with an MIS Head attached is entered for an entry, the MIS Head will automatically be linked to it. You can change this while defining the product.

Alternatively, you can link an MIS Head to an accounting entry directly while defining the product.

You should link the appropriate leg of the accounting entry to the MIS Head to which it belongs. Ensure that you link only one leg of the entry to an MIS Head.

To add a record to the list of ‘Accounting Entries’ click add icon. Choose values for each field of a record using the adjoining option list.

5.1.5 Operations on the MIS Head record

On an existing MIS Head record, you can perform the following operations (if any function under the Actions Menu is disabled, it means that the function is not allowed for the record):

 Amend the details of an MIS Head

 Authorize an MIS Head

 Copy the details an MIS Head on to a new one

 Print the details of an MIS Head

 Delete an MIS Head

Please refer to the manual on common procedures for details of these operations.