Limits

TEMENOS eMerge
Limits
Information in this document is subject to change without notice.
No part of this document may be reproduced or transmitted in any form or by any
means, electronic or mechanical, for any purpose, without the express written
permission of TEMENOS Holdings NV.
Copyright 2005 TEMENOS Holdings NV. All rights reserved

Table of Contents
Introduction................................................................................................................................................4
Pre-requisites.........................................................................................................................................4
Overview...................................................................................................................................................4
LIMIT.PARAMETER...........................................................................................................................10
Limit parameters...................................................................................................................................15
Overview................................................................................................................................................15
Access......................................................................................................................................................16
Procedure...............................................................................................................................................16
Limit reference codes.........................................................................................................................25
Overview................................................................................................................................................25
Access......................................................................................................................................................25
Procedure...............................................................................................................................................25
REFERENCE version.........................................................................................................................26
Limit definition........................................................................................................................................33
Overview................................................................................................................................................33
Access......................................................................................................................................................33
Procedure...............................................................................................................................................33
Screen......................................................................................................................................................34
LIMIT RECORD version..................................................................................................................35
Change limit conditions.....................................................................................................................38
Overview................................................................................................................................................38
Access......................................................................................................................................................39
Procedure...............................................................................................................................................39
LIMIT CHANGE version..................................................................................................................40
Limit authorisation...............................................................................................................................43
Overview................................................................................................................................................43
Access......................................................................................................................................................43
First screen...........................................................................................................................................43
Procedure...............................................................................................................................................43
Outstandings in currency of the limit.......................................................................................45
Overview................................................................................................................................................45
Access......................................................................................................................................................45
Procedure...............................................................................................................................................45
Screen......................................................................................................................................................46
TEMENOS eMerge Limits – Phase 3 Release 1.0 2 of 58

Outstandings in US dollar equivalent........................................................................................48
Overview................................................................................................................................................48
Access......................................................................................................................................................48
Procedure...............................................................................................................................................48
Screen......................................................................................................................................................49
Liability report.........................................................................................................................................51
Overview................................................................................................................................................51
Access......................................................................................................................................................51
Procedure...............................................................................................................................................51
Screen......................................................................................................................................................52
Liability report per customer......................................................................................................... 54
Overview................................................................................................................................................54
Access......................................................................................................................................................54
Procedure...............................................................................................................................................54
Screen......................................................................................................................................................55
Notes.............................................................................................................................................................57
Facsimile Transmission......................................................................................................................58
Introduction
The Limit System is designed to monitor the availability and

utilisation of Limits. Customer Limits are monitored in real‐
time. Back end reports are used to monitor Limits for
Commodities, Countries, Country Groups and Currencies. The
design of the System is such that the definition of the simplest
through to the most complex of Limits is catered for.
Pre-requisites
In order to get the most out of this manual, it is essential that you
are familiar with the standard procedures regarding navigating
your way around the system. This includes items such as program
access via menus, data entry and editing, mandatory and multi‐
level fields, committing details, and so forth. All of these are
described in detail in the Navigation Manual.
Overview
Limit Reference Table
A Limit Reference is a numeric code which defines a type of Limit.

For those cases where it may be necessary to sub‐divide a Limit
Reference, a hierarchy can be defined. A hierarchy can consist of up
to 3 levels i.e. Global Limit, Product Limit and Sub product Limit.
To define the Application which utilises a Limit Reference, the user
will specify his own parameters and Limit checking conditions on
the LIMIT.PARAMETER table.
REDUCING LIMIT field indicates whether or not a Limit is a

Reducing Limit. In other words, whether the Limit is Revolving or
Non‐Revolving. A reducing or non‐revolving Limit does not have
its value restored when a Transaction is repaid.
Limit Parameter
Within this file are defined parameters which determine the way in
which the Limit system operates. These are as follows:

1. An indicator to specify whether Foreign Exchange contracts
are, or are not, to be netted before Limit comparison.
2. A ʹnumber of daysʹ to define how many days prior to
Limit Expiry Date and Limit Review Date the approach of
these events is to be reported.
3. A date and cycle to indicate when the first revaluation will
occur and at what frequency thereafter.
4. A date and cycle to indicate when a full Central Liability report
(including those Liability numbers which did not move) need
to be produced in the back‐end process.
5. A number of days (administrative extension days) which
defines the maximum number of days by which the expiry date
of a limit can be ʺadministrativelyʺ extended before a new
expiry date is reassigned to the limit.
6. The Limit product definition according to the specific
requirements of the Bank. The most important feature of this file
is that it allows the user, for each Financial Application, to
define the precise rules applicable to his environment. In this
way, the Limit verification process can be established by the
user according to his own set of rules without any program
maintenance.
Limits
All Customer Limits are defined at the Liability Number level. The
simplest case is where a Limit, such as an Advance in Current
Account is defined for a Liability number.
The Country of Risk of each Limit may be added to each Limit
record. It is entered as a 2 character Country Code. If it is not
entered, the Country of Residence, from the Customer record of
the Liability Number, is taken as default.

The Commodity (or Industry) in which the user of the Limit is
involved, may be added to each Limit record. This is entered as a
four character Commodity Code. If it is not entered, the Industry
Code, from the Customer record of the Liability Number, is taken as
default.
A Limit at the top level of the structure can be defined as a secured

Limit. This Limit can then be defined as a ʹvariableʹ or a ʹfixedʹ Limit.
Details of the Collateral securing the Limit are entered in the eMerge
Collateral Module. The system will automatically maintain details of
the current value of the supporting Collateral. In the case of a
variable Limit, this information is used by the system to
automatically adjust the on‐line limit amount whenever the value of
the underlying Collateral changes. In the case of a fixed limit, the
same information about the underlying Collateral is maintained, but
the on‐line limit amount is never adjusted. This facility is not
available for sub‐limits within a credit line.
For Limits which have an associated Repayment schedule (for

instance Term Loans), details of that schedule may be input. Input
of this information is optional.
It should be noted that all information held concerning Repayment

Schedules is held for information purposes only. The System
makes no further use of the information.
To cater for the special requirements of Foreign Exchange, an

additional field – CLEAN RISK AMT is included. The CLEAN
RISK AMT is the maximum amount of Foreign Exchange contracts
which can mature on a single maturity date.
Whenever a Limit is stated in one currency and transactions occur

in other currencies, the Limit System will convert from the currency
of the transaction to the currency of the Limit before any utilisation
comparison is made. This is achieved by using the latest available
on‐line, real‐time, middle exchange rate from the currency table. For
the Foreign Exchange application it is always the bought currency
and amount which will be converted to the currency of the Limit.
An installation time option is whether gross or net Foreign
Exchange transaction values are to be compared with Limits.
Except for Limits tied to the ACCOUNT module, the ON LINE LIMIT
amount can be associated with a Time Code. The purpose of

this is to allow the specification of periods of time (measured in
days), during which maximum aggregate transaction amounts
must mature.
At the time of input of a transaction (Foreign Exchange, Letters of

Credit etc.), the Limit System is asked for information concerning
the existence and availability of a Limit. If more than one Limit of
the same type exists for the same Customer (e.g. Product Limit &
Global Limit), the Application will automatically and exclusively
update the Product Limit except if the Global Limit reference has
been input at transaction level. If 2 Global lines exist for the same
Customer with the same Limit Type, the Application will update
the Global Limit with the lowest key number except if overridden
by an input at transaction level.
Occasionally, the required Limit does not exist or is already fully

utilised. If it does not exist, the User must make a decision as to
whether or not to generate a default Limit. If the transaction will
cause an excess, the User must decide whether the excess is to be
allowed.
When the existence of a Limit has been established and any

necessary overrides have been obtained, the Limit utilisation is
updated. At the time of maturity of a transaction, the Limit
System relies upon the Application to provide notification of the
event, in order to reset the utilisation figure.
Suballocations
Suballocations can be defined as the transfer of an amount to or

from a Limit. A Transfer from a Limit is known as a Suballocation
Given and has the effect of reducing the available value of the
Limit. A transfer to a Limit is a Suballocation received and has the
effect of increasing the available value of a Limit. They are input to
the Limit System via Application LIMIT.SUB.ALLOC.
Group Limits
Group Limits can be specified for Countries, Country Groups,
Currencies, Commodity groups and Commodities. Group Limit
information is captured on‐line. Information about outstandings to be
tracked under Group Limits is captured during the on‐line day. Each
night, this information is collated and reports are prepared.

Collated information about the overnight position is
available during the following on‐line day.
Reporting
The overnight reports produced by the System, are as follows:‐

General Exception Limits Approaching Review Date, Limits
Approaching Expiry Date, Expired Limits, Moved Liability numbers,
Full Central Liability Ledger Report, Country Limit Excesses,
Commodity Limit Excesses, Currency Limit Excesses
Limits in excess will be shown together with overdrawn accounts

in a separate report
(OVERDRAFT AND EXCESS REPORT) produced on a daily basis

within the wide backend.
Enquiries
Comprehensive enquiry facilities allow the user to monitor on line

and on a real time basis Liability and Customer exposure globally or
at individual credit line level.
Online Update through LIMIT.CHANGE Application
This application is used when the user wishes to change the

Liability Number of a Customer, the currency of a limit record
and/or the percentage attached to a limit reference. During the on‐
line session, the user may use this facility to specify any of the
following:
Customers and their new liability numbers.

Limit records and their new currency codes.
Limit records and their CHECK.LIMIT values.
Limit references with their old and new percentages
where percentage is to be changed.
Verify function is available for LIMIT.CHANGE application.

Once the record has been authorised and verified, the following
changes take place on‐line:

1. The transfer of the various corresponding LIMIIT
records between the previous and new liability numbers.
2. Change the Limit records and their new currency codes and
also calculating the respective values in new currency.
3. Change the value of CHECK.LIMIT on the limit records in
a given limit structure.
4. Update the limit reference file with the new percentage.
Restricted Customers
A special value of *ALL may be specified in the field

RESTRICTED.CUST of LIMIT, in which case the LIMIT will
be restricted to all Customers.
Allowed Customers
Similar to the specification of Restricted Customers, it is possible to

specify the Allowed Customers in the field ALLOWED.CUST of
LIMIT, when a LIMIT is being set up for a group of Customers. The
definition of Allowed Customers and Restricted Customers is
mutually exclusive, i.e. it is not possible to specify both Allowed and
Restricted Customers. The concept of Allowed Customers may be
used in Cross Limits.
Selection of Limit Product
In LIMIT it is possible to specify more than one Limit Product as

valid for an application on LIMIT.PARAMETER. At customer level it
is possible to have both Global and Product limits. It is possible to
restrict both global and product limits as to the Currency, Company,
Customer and Products. It is also possible to define more than one
limit for a customer with distinct sequence numbers for the same
Limit Product. When a transaction is committed, the system defaults
a Limits Product for the transaction based on standard processing
rules and the user does not have an option to select from a list of
valid Product Limits applicable to the transaction.
To facilitate this functionality, in LIMIT.PARAMETER the following

fields are added:

LIMIT.PARAMETER
Field Description
REPORT.MULTIPLE Select ‘YES’, ‘NO’ or ‘NULL’. The default is ‘NULL’. ‘NULL’ and
‘NO’ have the same functionality that the system will default the
acceptable limit. If this field is set to ‘NO’, at the time of
committing the contract, all possible limits will be listed in the
LIMIT.REFERENCE field and the user can make the selection.
The process of possible limits for the contract can be further restricted using the
following fields:
FILTER When more than one limit is available to the customer, then this
field is used to filter out the limits that can be used based on the
certain conditions.
There are some hard coded filter conditions such as:
CHECK.EXPIRED: If this is given, then from the available limits
to the customer, the expired limits will be filtered out.
CHECK.AVAILABLE.MARKER: If this is given, then from the
available limits to the customer, the limits where the
AVAILABLE.MARKER is set to NO will be filtered out.
CHECK.DRAW.DATE: If this is given, then from the available
limits to the customer, the limits which had crossed
LAST.DRAW.DATE will be filtered out.
CHECK.CUSTOMER.RESTRICT: If this is given, then the

available limits to the customer will be checked for
ALLOWED.CUST and RESTRICTED.CUST fields and filter out
the limits accordingly.
CHECK.CURRENCY.RESTRICT: If this is given, then the
ALLOWED.CCY and RESTRICTED.CCY fields and filter out the
limits accordingly.
CHECK.COMPANY.RESTRICT: If this is given, then the
ALLOWED.COMP and RESTRICTED.COMP fields and filter out
the limits accordingly.

Apart from the above hard coded filter fields, we can use any
of the fields in LIMIT application in this field for filtering out
the LIMIT record of the customer that we wish to use for the
transaction.
Validation Rules
Associated Multi‐value fields from 44.1 to 47.1

Default value is Null
The above Hard‐coded values can be given as it is

shown
Apart from these, any relevant field from

LIMIT record can be used
Default is blank
FILTER.OPERANDS Specifies the type of DECISION that the user wants to perform on
the field defined in the previous field.
Validation Rules
The following values will be accepted:
EQ = Equal
LK = Like
GE = Greater or Equal
LT = Less than
LE = Less or Equal
UL = Unlike
GT = Greater than
NE = Not Equal
FILTER.FROM Specifies the value, or start of a range of values, with which the
contents of the field indicated in Filter (Field 44.1) are to be
compared.
Note: The values input in this field and the next must be in
agreement with the Format rules of the element specified in Field
44.1 FILTER FIELD. If, for example, the input in FILTER field is
from the hard‐coded values as below, then only YES will be
allowed in this field:
CHECK.EXPIRED,
CHECK.AVAILABLE.FUNDS,

CHECK.AVAILABLE.MARKER,
CHECK.DRAW.DATE,
CHECK.CUST.RESTRICT,
CHECK.CURRENCY.RESTRICT,
CHECK.COMPANY.RESTRICT.
FILTER.TO Specifies the end of a range of values with which the contents of
the field indicated in FILTER (Field 44.1) are to be compared.
Note: The values input in this field and the previous one must be
in agreement with the format rules of the element specified in
Field 44.1 FILTER.
Or the name of any other field from the LIMIT application including
local reference fields and I‐descriptors.
At the time of capturing a contract, if more than one eligible LIMIT
record is available for the customer, then they will appear in the
pick‐list attached to the field LIMIT.REFERENCE in the contract.
This multiple selection can be restricted further using the FILTER
field and the corresponding associated multi‐value fields. If,
however, there is only one limit record selected due to restriction,
then the pick‐list will not appear, but the LIMIT will be defaulted in
LIMIT.REFERENCE.
Cross Limits
Cross Limits provide a flexible LIMIT structure with consolidation
of Limits at multiple levels, with the hierarchy of Limits linked
through the field RECORD.PARENT and allowing Limits with
different sequence numbers to be attached to a Parent.

It distinguishes three types of Limits, PRODUCT, CROSS and SUB‐
PRODUCT. CROSS Limits may be used for consolidation of SUB‐
PRODUCT Limits, similar to PRODUCT Limits. The Limit
References which may be used in a Cross Limit structure is to be
distinct from those which may be used in a Normal Limit structure.
In a Cross Limit structure it is possible to defined more than one
LIMIT for a SUB‐PRODUCT (under a PRODUCT or CROSS Limit)
with distinct sequence numbers to limit the exposure based on
different conditions. For example, under the LIMIT 500101.1800.01 it
would be possible to define more than one LIMIT for the SUB‐

PRODUCT 1860; LIMIT 500101.1860.01 for Allowed Customers
500101 and 500102 (both having Liability Customer 500101), and
LIMIT 500101.1860.02 for Allowed Customers 500103 and 500104
(both having Liability Customer 500101).
This facility can also be used to define separate Limits for a SUB‐
PRODUCT based on Currency or Company restrictions. For
example, to limit the exposure in tow different Companies, the
following LIMITs could be captured: 500101.1870.01 with
restriction for use in the first Company and 500101.1870.02 with
restriction for use in the second Company, both with a Parent
Record of 500101.1800.01
When capturing Limits in a Cross Limit structure from top‐down,

users need to enter only the PRODUCT or CROSS Limits and the
system automatically creates or modifies the SUB‐PRODUCT Limits
depending on the Allowed Products, subject to some restrictions.
In a Cross Limit structure, it is also possible to capture SUB‐

PRODUCT limits without entering the Parent PRODUCT Limits,
and the system automatically creates the PRODUCT limits, which
are transparent to the User.
Generation of Charges for UTILISED Limits
At present the functionality to apply charges to a Customer,

depending on the Unutilised amount of a LIMIT. When set up, the
system calculates the unutilised amount and record it in a
contingent account, from which interest and charges can be
calculated and applied to the Customer Account using standard
functionality.
This facility is now extended to the utilised amount of a LIMIT as

well. As the utilised amount of the limit varies, so the amount in the
contingent account varies and so the interest and charges for that
amount can be calculated and posted to the Customer Account.
Access the following menus and sub‐menus
Administrator Menu
Parameters Menu
‐ Limit Parameters

Limits Menu
Limit Reference Codes

Limit Definition
Change Limit Conditions
Limit Authorisation
Outstandings in Currency of the Limit
Outstandings in US Dollar Equivalent
Liability Report
Liability Report per Customer
Limit parameters
Overview
Within this file are defined parameters which determine the way in
which the Limit system operates. These are as follows:
1. An indicator to specify whether Foreign Exchange contracts
are, or are not, to be netted before Limit comparison.
2. A ʹnumber of daysʹ to define how many days prior to
Limit Expiry Date and Limit Review Date the approach of
these events is to be reported.
3. A date and cycle to indicate when the first revaluation will
occur and at what frequency thereafter.
4. A date and cycle to indicate when a full Central Liability report
(including those Liability numbers which did not move) need
to be produced in the back‐end process.
5. A date and cycle to indicate when the Commodity, Country
and Currency reports must be produced.
6. A number of days (administrative extension days) which
defines the maximum number of days by which the expiry date
of a limit can be ʺadministrativelyʺ extended before a new
expiry date is reassigned to the limit.

7. The Limit product definition according to the specific
requirements of the Bank. The most important feature of this file
is that it allows the user, for each Financial Application, to
define the precise rules applicable to his environment. In this
way, the Limit verification process can be established by the
user according to his own set of rules without any program
maintenance.

8. The product group definition which will allow the user to
specify which are the different products which in his opinion
must be part of the Commodity, Country and Currency
exposure.
Access
Administrator Menu>>Parameters Menu>>Limit Parameters
Procedure
1. Select the menu option.
2. Enter SYSTEM in the identification field.
3. Enter all the required details as described below.
4. When everything has been completed press [F5] or click the
Commit icon [ ] on the Toolbar.
Field Description
NET.OUTSTAND Defines whether, or not, Foreign Exchange contracts are
ING netted before comparison with the respective Limit.
If ʹno nettingʹ is chosen, the full value of the transaction is

compared with the Limit to ensure that the transaction will not
cause an excess. If ʹnettingʹ is chosen, the System will net
transactions in opposite sense which involve the same two
currencies, which are for the same Liability Number and which
mature on the same date.
EXPIRIES.REPOR Defines how many days prior to Limit EXPIRY DATE the approach
TING of this event is to be reported.
REVIEWS.REPOR Defines how many days prior to Limit REVIEW DATE the
TING approach of this event is to be reported.
REVALUATION.T Specifies a Date and Cycle to indicate when the first
IME revaluation will occur and at what frequency thereafter.

FULL.CLL.REPOR Specifies a Date and Cycle to indicate when the first full
T Central Liability Ledger report (i.e. including the non moved
Liability numbers) will occur and at what frequency thereafter.
COMMODITY.EX Specifies a Date and Cycle to indicate when the first
P.DAY Commodity exposure report will occur and at what frequency
thereafter.
FULL.COMMODI Specifies a Date and Cycle to indicate when the first full
TY.EXP Commodity exposure report will occur and at what frequency
thereafter.
COUNTRY.EXP.D Specifies a Date and Cycle to indicate when the first Country
AY report will occur and at what frequency thereafter.
FULL.COUNTRY. Specifies a Date and Cycle to indicate when the first full
EXP Country exposure report will occur and at what frequency
thereafter.
ADM.EXTENTIO Specifies the maximum number of days by which the user may
N.DAYS extend the expiry date in the LIMIT file by entering an extension
date in ADM EXTENSION DATE.
The number of days defined in this field will be used by the LIMIT
file to check that the ADM EXTENSION DATE of a
specific limit does not exceed the EXPIRY.DATE by a number of
days greater than the one defined here.
APPLICATION Specifies the Application for which the user wants to create specific
Limit products. Only Financial Type Applications will be allowed

in this field.
For all Financial Applications (for example Loans, Accounts, and so
forth), eMerge allows the user to define the Limit products
according to his own requirements. The definition of these various
Limit products will be done by Application using the association of
the multivalue Fields 13 to 18.
Whenever Market conditions change or the Institutionʹs
management decides to reorganise their Limit control, a simple
maintenance in this table will automatically allow and take care of
such changes in the Limit verification process.
It is also possible to specify a suffix after the application separated
by a ʺ‐ʺ character. This will allow sub‐products to be defined for a
particular application, so that more than 1 limit reference can be

defined for an application.
For example the application SL.SYNDICATED.LOANS may

require 2 limit references, for the underwritten portion and the
agent participation. The following could be defined:
APPLICATION SL.SYNDICATED.LOANS PRODUCT NO 4000

This is the overall for the SL application and will default 4000 as the
limit reference.
APPLICATION SL.SYNDICATED.LOANS‐UNDERWRITE
PRODUCT.NO 4100
The reference 4100 will be used for under written limits
APPLICATION SL.SYNDICATED.LOANS‐AGENT
PRODUCT.NO 4200
The reference 4200 will be used for the AGENT portion.
The order for defaulting is as follows: 1 APPLICATION‐suffix

with specific conditions 2 APPLICATION‐suffix default 3
APPLICATION with specific conditions 4 APPLICATION Default.
The suffix used by applications when defaulting limit references is
hard coded if required. To find if an application requires a suffix
consult the application documentation.
PRODUCT.NO Specifies the Limit product number (that is
LIMIT.REFERENCE number) for which the user wants to define a
Limit control within the Application entered in the
previous field.
For all Financial Applications (e.g. Loans, Accounts, and so
forth), eMerge allows the user to define the Limit products
according to his own requirements. The definition of these
various Limit products will be done by Application using the
association of the multivalue Fields 13 to 18.
Whenever Market conditions change or the Bankʹs management

decides to reorganise their Limit control, a simple maintenance in
this table will automatically allow and take care of such changes in
the Limit verification process.
DECIS.FIELD Specifies, together with fields 16‐18, which condition(s) has(ve) to

be met by a financial transaction to be verified and checked under
the limit PRODUCT.NO (field 14.1) specified for the corresponding
APPLICATION (Field 13.1).

For all Financial Applications (e.g. Loans, Accounts, and so forth),
eMerge allows the user to define the Limit products according to
his own requirements. The definition of these various Limit
products will be done by Application using the association of the
multivalue Fields 13 to 18.

Note: The LIMIT PARAMETER table allows the user to define both
ʹANDʹ and ʹORʹ conditions: The ʹANDʹ condition will be specified

by the expansion of the associated sub‐value fields 15.1.1 ‐ 18.1.1. If,
for example, the user wants to define a specific Limit checking for
Money Market transactions with a category code in the range
21075‐ 21079 AND the currency equal to USD, the following

input will then be performed in this table:
Field Number Input
13.1 Application MM.MONEY.MARKET 14.1 Product 201
15.1.1 Decis Field CATEGORY
16.1.1 Decision EQ
17.1.1 Decision FR 21075
18.1.1 Decision TO 21079
15.1.2 Decis Field CURRENCY
16.1.2 Decision EQ
17.1.2 Decision FR USD
18.1.2 Decision TO ‐ .
The ʹORʹ condition will be specified by the expansion of the
complete set of multivalue fields (13.1 to 18.1.1). If, for example, the
user wants to define the same specific Limit checking for Money
Market transactions which have either the category code in the
range 21075 to 21079 OR the currency code equal to USD, the
following input will then be performed in this table:
Field Number Input
15.1.1 Decis Field CATEGORY
16.1.1 Decision EQ

17.1.1 Decision FR 21075
18.1.1 Decision TO 21079
15.2.1 Decis Field CURRENCY
16.2.1 Decision EQ
17.2.1 Decision
FR USD
18.2.1 Decision TO ‐
DECISION Specifies the type of DECISION which the user wants to perform
on the field defined in the previous field.
his own requirements. The definition of these
various Limit products will be done by Application using the
association of the multivalue Fields 13 to 18.
maintenance in this table will automatically allow and take
care of such changes in the Limit verification process.
DECISION.FR Specifies the value, or start of a range of values, with which the
contents of the field indicated in DECIS.FIELD (Field 15.1.1) are to
be compared.
For all Financial Applications (e.g. Loans, Money Market,
Accounts, Foreign Exchange etc), eMerge allows the user to define
the Limit products according to his own requirements.

The definition of these various Limit products will be done by
Application using the association of the multivalue Fields 13 to 18.
Note: The values input in this field and the next must be in
agreement with the Format rules of the element specified in
Field 15.1.1 DECIS FIELD. If, for example, the input in DECIS
FIELD corresponds to a category code, a maximum input of 5
numeric characters will be allowed in this field.

DECISION.TO Specifies the end of a range of values with which the contents of the
field indicated in DECIS FIELD (Field 15.1.1) are to be compared.
his own requirements. The definition of these various Limit
products will be done by Application using the association of the
multivalue Fields 13 to 18.

maintenance in this table will automatically take care of such
changes in the Limit verification procedure.
Note: The values input in this field and the previous one must be in
agreement with the format rules of the element specified in Field
15.1.1 DECIS FIELD. If, for example, the input in DECIS FIELD
corresponds to a category code, a maximum input of 5 numeric
characters will be allowed in this field.
COM.PRODUCT. Identifies a mnemonic to group together various commodity limit
GRP products. These groups will then be input in the

LIMIT.COMMODITY file to specify the content of the commodity
exposure report.
In the LIMIT.COMMODITY file, the user will be requested to enter

one or various of these groups to specify what type of limit product
must be included in the commodity exposure report.
COM.PROD.NO Identifies which commodity limit products are part of the group
defined in the previous field.
Note: The check of duplicates and no mix is only done at the sub‐
value level. It is possible, for example, to define LOANS,
ACCOUNTS and as a 3rd Product Group ʹLOANS + ACCOUNTS.
COU.PRODUCT. Identifies a mnemonic to group together various country limit
GRP products. These groups will then be input in the

LIMIT.COUNTRY file to specify the content of the country
exposure report.
In the LIMIT.COUNTRY file, the user will be requested to enter one

or various of these groups to specify what type of limit product
must be included in the country exposure report.

COU.PROD.NO Identifies which country limit products are part of the group
CCY.PRODUCT.G Identifies which country limit products are part of the group
ROUP defined in the previous field.
CCY.PROD.NO Identifies which currency limit products are part of the group
DEFAULT.ACCT. Identifies the limit reference which will be assigned to overdraft
LIMIT balances for inclusion in country‐ commodity‐ and
currency reporting.
Processing for country‐, commodity‐ and currency exposure
reporting is based on outstandings reported in the limit main file.
To include overdrafts in cash accounts in these reports a
default or ʺdummyʺ limit reference is required.
Please note that any valid LIMIT REFERENCE ID is accepted, but
the reference number used should logically be the one for

overdrafts.
DEFAULT.CURRE Defines the default LIMIT.CURRENCY (Field 1 in LIMIT file) in
NCY which all amount fields will be denominated for all limits which
are system generated (default limits).
DEFLT.NOSTRO. Identifies the limit reference which will be assigned to nostro
LIMIT balances for inclusion in country, commodity and currency
reporting.
Processing for country, commodity and currency exposure
reporting is based on outstandings reported in the limit main file.
To include nostro accounts in these reports a default or ʺdummyʺ

limit reference is required.
Please note that any valid LIMIT REFERENCE ID is accepted, but
the reference number used should logically be the one for nostros.
AUTO.REV.FREQ Defines whether the Review Frequency on the LIMIT requires an
UENCY associated frequency or not.
Entry in this field will currently have no effect in the system, it will
be activated at a later date.
DEFAULT.DEPOS The default Limit Reference to be used for Deposit contacts in
IT Money Market and Loans and Deposits.
If no specific deposit product is defined for Money Market or Loans
and Deposits, this will be used as the default rather than the default
specified.
DEFAULT.INFO The default Limit Reference to be used for Money Market Fiduciary
Placements for information.
If no specific information product is defined for Money Market
Fiduciary Placements, this will be used as the default rather than
the default specified.
DEF.FID.DEPOSI The default Limit Reference to be used for Money Market fiduciary
T deposits.
If no specific fid deposit product is defined for Money Market Fid
deposits, this will be used as the default.
DEFAULT.ADVIS This field, when set denotes that the advised limit will be defaulted.
ED A value of NULL indicates that there is no default processing.

There are also two options; INTERNAL and MAXIMUM.
Where INTERNAL is set, it will default to the
INTERNAL amount.
Where MAXIMUM is set, it will default to the
MAXIMUM amount.
ADDITIONAL.V This field indicates if additional checking is required. There are two
AL possible values that of ADVISED and INTERNAL, against which

limits the amount will be checked.
Where ADVISED is set, the amount will be checked

against the ADVISED limit.
Where INTERNAL is set, the amount will be checked

against both the ADVISED and the INTERNAL limits.
Limit reference codes
Overview
This table is used to define the types of Limit to be processed by the

Limit System. Each Limit type (known as a Limit Reference within
the System) can be defined as being part of a hierarchy, made up of
a GLOBAL Limit, PRODUCT Limit and SUB PRODUCT Limit.
This table is also used for define whether the Limit Reference is one
that requires checking each time, or whether it is updated only for
information.
Access
Limit Menu>>Limit Reference Codes
Procedure
2. Enter a Limit reference as described later in this section.


REFERENCE version
Field Description
Limit Reference This is the identification code, known as the Limit Reference used
in the LIMIT key and in LIMIT.PARAMETER to define how a
LIMIT is defaulted.
The format of the ID is very specific. eMerge can tell from the ID
whether the LIMIT.REFERENCE is Global, a Product or a Sub‐
Product. See table below for details:
Type Length Example Notes
GLOBAL 5‐7 digits 100000, 200000 or 3000000
Allows different purpose Global Limits
PRODUCT 3‐4 digits 1000, 2100 or 400 Last 2 digits must both be
zero for Products.
SUBPRODUCT 3‐4 digits 1010, 1011, 410 or 411 Last 2 digits cannot
both be zero with this structure, the user can define up to 999
different types of Global Line, 99 different types of Product Limit
and 99 different types of Sub‐product Limit.
The relation between records is hierarchical, the Global is the
highest level and a subproduct of level 9 is the lowest.
ID Use Level 10000 Global
1000 Product
1011 Sub‐Product 1
LIMIT records use both the original LIMIT.REFERENCES as well as
combining them. For example where a Global Limit of 100000 is
defined with a product of say 10000.

Then a LIMIT can refer to 110000 (i.e. 100000 plus 10000).
Additionally where sub‐products exist under 10000 (say 1000 and
2000) this could result in LIMIT records with references such as:
100000 Global Limit
110000 Global Limit + Product
111000 Global Limit + Product + Sub‐Product
112000 Global Limit + Product + Sub‐Product
Validation Rules
3 to 7 numeric characters in the following format: ʹGGG PPSSʹ
where: GGG = identification of a Global line (range = 10000, 20000 ...
9990000) PP = identification of the Product number (range = 100, 200
... to 9900) SS = identification of Sub‐Product number (e.g. 101, 102
... 9999)
Mandatory Input.
Reversal not allowed if used in LIMIT.PARAMETER
Reversal not allowed if used in LIMIT
No Default
Description Enter a full description for the Limit reference. This may be up to 35
characters.
Shortname An abbreviated description which may for instance be used on
reports where space is limited. The maximum length is 15
characters.
FX or Time Band This defines the type of limit. Your options are:
FX = Foreign Exchange limit types. This usually includes a clean‐
risk Limit.
TB = Time Band. For LD types. Limits can be set for time periods to
control the exposure by period.
DP = Deposit Type. Mainly used for information on LD and NN
Deposits.
IN ‐ Information only. This means that updates are recorded but no
overrides are generated unless the CHECK.LIMIT flag is set to ʺYʺ
on the Limit record.
Blank = leave blank for ACCOUNT type limits.
Reducing Limit This indicates whether or not the Limit type regains its original

value on liquidation or repayment of a utilisation, or whether a
limit reduces in line with the repayment schedule.
Get Sub Specify which limit references may donate sub‐allocations to the
Allocation Limit Reference being entered.
Reference Child This is used when creating a Global Limit structure where products
are linked into the Global LIMIT.REFERENCE.
Limit Mnemonic The four characters you enter here will replace the last 4 of the
Limit Reference when override messages are printed.
Limit Key Type This defines whether the system default record is to be created
within the global line for the Customer or at product level only.
It is used to indicate at which level the system default records are to
be created when there is a global line present and the product line
is not one of the product lines allowed.
Your options are either GLOBAL or PRODUCT.
If this field contains the value GLOBAL the records are created
within the ʹGLOBAL structureʹ but with a limit amount of zero.
If the value in this field is PRODUCT, then system default records
are created at the product level with limit amounts set to null.
Limit Percentage This defines the percentage amount of each transaction movement
that is to be monitored against the limit amount.
It is also possible to define a percentage that varies dependent on
the time left before maturity.
If the percentage value is to be changed then use the application

LIMIT.CHANGE as this field can not be changed once the record
has been set up.
Default Check This determines whether this Limit Reference requires checking,
and whether limit overrides are required when limit records are
created by default.
Band or Level Determines how the percentage amount will be derived.
This field can contain one of two values.
The word BAND in this field indicates that the percentages from
more than one band (See MATURITY.PERIOD and PERCENTAGE)
will be selected and summed to determine the working percentage.

The word LEVEL in this field indicates that a single band will be
selected as the working percentage.
In both cases the bands used will be resolved on the time left before
contract maturity.
Maturity Period Indicates the remaining time to maturity for a transaction to which
a percentage applies.
The period defined here represents the remaining time to maturity

for a contract. Together with MAT.PERIOD.PERC, this field
allows the amount of a transaction used to monitor limits to vary
with the length of time left to maturity.
The periods can be specified on a BAND or LEVEL basis, defined in

LIMIT.BAND.LEVEL. Periods specified here are inclusive of this
date.
The amount of a transaction used to update the limit system will be

recalculated each night in accordance with the specified period.
Associated with MAT.PERIOD.PERC.
Note: Percentage definitions defined in fields LIMIT.BAND.LEVEL

through to PERC.CALC.BASIS are ignored for updates from
COMMITMENT contracts.
When using a BANDED or a PRORATA structure it is possible

that the total transaction amount calculated may exceed 100% of
the transaction value. This can be avoided by using a
PERCENTAGE.CAP of 100%.
Maturity Period This percentage will be used in deriving a final limit percentage.
Percentage The resulting percentage amount of each transaction movement
will be monitored against the limit amount.
The percentages may be specified in a BAND or LEVEL basis (see

LIMIT.BAND.LEVEL), and may be taken as a FIXED or
PRORATA percentage.
Limit Subroutine Identifies the subroutine which will be called to return the limit
amount.
A subroutine maybe used to determine the amount to update the

limit outstandings. The routine will be invoked every time an

update is made to a LIMIT product the same as the limit reference.
Once authorised this field may not be changed directly. If a change
is required the application LIMIT.CHANGE should be used to add
the new value. This will then become effective during the next end
of day.
Percentage Cap Identifies the agreed maximum percentage when deriving the
amount of a transaction to be used in updating the limit system.
The percentage specified here is a FIXED percentage of the value of
the transaction, and is compared with total amount calculated from
LIMIT.PERCENTAGE, MAT.PERIOD.PERC and
LIMIT.SUBROUTINE.
If the amount determined using the PERCENTAGE.CAP is less
than the amount calculated using LIMIT.PERCENTAGE,
MAT.PERIOD.PERC and LIMIT.SUBROUTINE, the
PERCENTAGE.CAP figure will be used.
Percentage Floor Identifies the agreed minimum percentage when deriving the
amount of a transaction to be used in updating the limit system.
This percentage specified here is a FIXED percentage of the value of
the transaction, and is compared with total amount calculated from
LIMIT.PERCENTAGE, MAT.PERIOD.PERC and
LIMIT.SUBROUTINE.
If the amount determined using the PERCENTAGE.FLR is more
than the amount calculated using LIMIT.PERCENTAGE,
MAT.PERIOD.PERC and LIMIT.SUBROUTINE, the
PERCENTAGE.FLR figure will be used.

Percentage Calc Determines how the percentage amount will be derived from the
Basis MATURITY.PERIOD and MAT.PERIOD.PERC fields.
This field can contain one of three values.
The keyword PRORATA in this field indicates that the calculation
will be pro rata according to the time remaining to maturity or the
length of a MATURITY.PERIOD.BAND. For pro rata the calculation
will be; % x days to maturity / 365 with the annual period always in
days.
The keyword PERIOD indicates that the calculation will be pro‐rata

according to the time remaining to maturity or the length of
a MATURITY.PERIOD.BAND. The pro rata calculation for
the PERIOD setting will be:
% x period to maturity / period
where period is set according to the

MATURITY.BAND.DEFINITION i.e. in Days (D) Weeks (W)
Months (M) Years (Y) Where a period is a fraction of a band this
will be rounded up.
When the word FIXED is indicated the calculation will not be pro‐
rata and is calculated as a simple percentage.
When PRORATA or PERIOD is used with LEVEL structure, the

relevant percentage derived for the remaining contract period will
be applied.
When PRORATA or PERIOD is used with a BANDED structure,

each percentage band falling within the remaining contract period
will be applied for the period of that band.
A PRORATA/PERIOD method can result in a total percentage

taken which is in excess of 100% of the transaction value. This can
be limited by use of the PERCENTAGE.CAP field.
Sub Product level The level of the sub‐product being defined.
Up to 9 sub product levels can be defined below the standard sub

product level. A standard sub‐product can be identified by the last
two characters of the limit reference being anything other than
zeros.
Sub‐product levels 1 to 9 are allowed. With 1 representing the
highest and 9 the lowest sub product levels.

The AUDIT Version displays audit details such as who was the
inputter, who the authoriser, and so forth, which are not available for
entry or editing as they are automatically updated by the system.
The FULLVIEW Version displays all possible details relating to the

record. Some of these are represented on the Versions described
above, but not all ‐ others relate to fields used exclusively by the
system or retained for future use.
Limit definition
Overview
The Limit System is designed to monitor the availability and

utilisation of Limits. In this menu option, you can create a Limit
reference for a specific Product and / or Customer.
Access
Limit Menu>>Limit Definition
Procedure
2. The Id number provides a unique reference for each Limit. It
comprises a Liability number, Limit reference code, and
Serial Number. An example of an ID may be as follows:
100007.000100.01
Where ʺ100007ʺ is the Liability number for Customer 100007
and 100 is the Limit Reference of the required Limit (for
example 100 is the Limit Reference for Overdraft facilities).

If more than two Limits of the same variety exist, they will be
differentiated by use of the Serial Number. For example if
Customer 100007 has two ʺOverdraftʺ Limits and the Limit
Reference for Overdrafts on Current Accounts is 100, the IDʹs
for these two would be:
ʺ100007.000100.01ʺ and ʺ100007.000100.02ʺ

Screen
LIMIT RECORD version
Field Description
Code The ID as described under point 2 above.
Limit Currency Defines the Currency in which all amount fields specified as part of
the Limit will be denominated.
Amount Specifies the amount actually approved or authorised by
Management or the Credit Committee. This amount may be
greater than the amount advised to the Customer or the amount
used for the online Limit checking.
Country Risk Defines the Country of Risk associated with the Limit.
If risk is associated with more than one country, then these may be
entered as Multivalues. In this case, the associated
COUNTRY.PERCENT (Field 3.1) is used to record the percentage of
the risk associated with each Country.
Country Percent Defines the percentage of the total risk associated with the Country
defined by COUNTRY OF RISK.
Approval Date Defines the date on which the Limit was last approved by the
Credit Committee of the bank.
When the limit is initially loaded, the OFFERED.UNTIL date must
be later than the APPROVAL.DATE. This does not need to be the
case on subsequent amendments.

Dates are either entered in the format DDMMMYYYY, such as
12JAN1957, 1JUN1972 (only the first 3 characters of the month
name are to be used), or YYYYMMDD, such as 19570112 (12th of
January 1957) or selected from the pop‐up calendar.
Offered Until Specifies the date by which the Customer must have accepted the
facility. It should be noted that no reports are produced at present
showing facilities taken up.
Review Frequency Specifies the next date on which the limit is to be reviewed.
The review period is entered in the standard eMerge frequency
format. The default is for the first review to take place one year
from todayʹs date and monthly thereafter up to the time the
user updates the limit record with new review and expiry dates.

Expiry Date Specifies the date on which the Limit will expire. This is the date on
which the Limit will no longer be available for use and any
outstandings under the Limit will begin to be reported as an excess.
Adm Ext Date Specifies the Administrative Extension date checked by the online
transaction processing when the EXPIRY DATE specified in the
previous field has been reached.
The date input in this field will be used at limit time checking of
transaction processing as follows:
When the Administrative Extension date has been
reached, a corresponding override message will be
issued online to the user.
When the expiry date has been reached but not the
Administrative Extension date, then this date will be
included as information in the override message
presented to the user.
Proposal Date Specifies the date on which the Limit was proposed to the bankʹs
Credit Committee.
Online Limit Date Specifies the date on which the Limit becomes available for use.
This date will be used for all online limit checking.
The system will ask the User to override a warning message if any
attempt is made to use the Limit before the date specified by this
field.

Product Allowed Identifies, when the Limit defined in the ID is a Global Limit, which
Limit products of that global line are allowed to be used by the
Customer for who the Limit is being created.
Available Marker Specifies whether or not the Limit is available for use.
The Availability marker must be set by the User when a Limit is

created. It can be changed thereafter to either ʹYʹ or ʹNʹ. If an
Application attempts to make use of a Limit whilst it is not
available, the Limit System will warn the user that this is the case.
The user may, if he so chooses, override the warning. In this case,

the fact will be reported on an Exception list produced overnight.
Note: This facility can also be used when the institution wants to
exclude a Customer out of the Liability group.
Reducing Limit Identifies if the Limit reference defined in the ID is a ʹreducingʹ or

ʹnon‐reducingʹ limit type. The value will be taken automatically
from the LIMIT.REFERENCE table in accordance with the
content of the field ʹREDUCING LIMITʹ.
Notes A free form field to enter any additional information required.
Note: The alternative terminology, revolving (non reducing) and

non‐revolving (reducing) is sometimes used.


Change limit conditions
Overview
This option is used when the user wishes to change the Liability
number of a Customer, the currency of a limit record and/or the
percentage attached to a limit reference. During the on‐line session,
the user may call this facility to specify any of the following:
1. Customers and their new liability numbers
2. Limit records and their new currency codes
3. Limit records and their CHECK.LIMIT values.
4. Limit references with their old and new percentages
where percentage is to be changed.
During the End of Day process of the LIMIT Application,

the program LIMIT.REP.LIAB.MOVE will then execute:
1. The transfer of the various corresponding LIMIT records
between the previous and new liability numbers.
2. The ʹrevaluationʹ of limits and outstanding amounts on
the LIMIT and LIMIT.DAILY.OS files.
3. Change the value of CHECK.LIMIT on the limit records in
a given limit structure.

4. Update the limit reference file with the new percentage and
updated outstanding amounts on the LIMIT,
LIMIT.DAILY.OS and LIMIT.TXNS files for those records
associated with a percentage charge.
Note: It is important to note that this program will ignore liability

number change for Customers who have pending sub allocations
on their limit record(s).

Access
Limit Menu>>Change Limit Conditions
Procedure
2. Enter ʹSystemʹ in the Id field. This is the only valid input.
3. Make the changes required as detailed below.

LIMIT CHANGE version
Field Description
Code Enter ʹSystemʹ as the unique identifier for the File.
Customer ID Identifies the CUSTOMER NO for whom the user wants to specify
a Liability number change.
Liability Number Identifies the new Liability number for the Customer specified in
the previous field.
Validation Rules
6 numeric characters of a valid Customer code
Input is only allowed when CUSTOMER NO (Field 1.1)
has been entered.
Must be left blank when you want to define that the
Liability number is no longer required for the Customer
Credit Line Identifies the limit record for which the currency and/or value of
Number CHECK.LIMIT is to be changed.
The limit records for which the limit currency is to be changed are
to be entered individually. The old currency is shown as part of the
field enrichment. The top level limit for which the CHECK.LIMIT
value is to be changed should be entered. All limits under this will
be changed to the new value.

New Currency Identifies the new currency in which all amount fields specified as
part of the limit will be denominated.
New Check Limit This field will be used to change the current value of the
CHECK.LIMIT field on each LIMIT record in the LIMIT
structure which the CREDIT.LINE.NO is the top of.
Limit Reference Identifies the product or sub‐product limit reference record whose
percentage field is to be changed.
New Percentage Identifies the new percentage to be applied to transaction amounts
to calculate the amount to be checked against the limit amounts.
Band or Level Specifies the new value used to determine the percentage amount.

This field can contain one of two values.
The word BAND in this field indicates that the percentages from
more than one band (See MATURITY.PERIOD and PERCENTAGE)
will be elected and summed to determine the working percentage.
The word LEVEL in this field indicates that a single band will be
elected as the working percentage.
In both cases the bands used will be resolved on the time left before
contract maturity.
Maturity Period Indicates the new period to which a percentage will be applied.
New Percentage Supply the new percentage to be used in deriving a final limit
percentage. The resulting percentage amount of each transaction
movement will be monitored against the limit amount.
Limit Subroutine Identifies the new subroutine which will be called to return the
limit amount.
Percentage Cap Identifies the new agreed maximum percentage when deriving the
limit percentage.
Percentage Floor Identifies the new agreed minimum percentage when deriving the
limit percentage.
Percentage Calc Determines how the percentage amount will be derived from the
Basis MATURITY.PERIOD and MAT.PERIOD.PERC fields.
This field can contain one of three values.
The keyword PRORATA in this field indicates that the calculation

will be pro rata according to the time remaining to maturity or the
length of a MATURITY.PERIOD.BAND. For pro rata the calculation
will be,
% x days to maturity ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ 365
with the annual period always in days.
The keyword PERIOD indicates that the calculation will be pro‐rata
according to the time remaining to maturity or the length of a
MATURITY.PERIOD.BAND. The pro rata calculation for the
PERIOD setting will be,

% x period to maturity ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ period
where period is set according to the MATURITY AND

DEFINITION i.e. in Days (D) Weeks (W) Months (M) Years (Y)
Where a period is a fraction of a band this will be rounded up.
When the word FIXED is indicated the calculation will not be pro‐
rata and is calculated as a simple percentage.
When PRORATA or PERIOD is used with LEVEL structure, the

relevant percentage derived for the remaining contract period will
be applied.
When PRORATA or PERIOD is used with a BANDED structure,

each percentage band falling within the remaining contract period
will be applied for the period of that band.
A PRORATA/PERIOD method can result in a total percentage

taken which is in excess of 100% of the transaction value. This can
be limited by use of the PERCENTAGE.CAP field.
Net Outstanding Used to change the status of the NET.OUTSTANDING flag on the
SYSTEM record of LIMIT.PARAMETER.
The actual change will take place at the beginning of the next limits
batch processing. This field will be reset to null during the Limits
end of day processing.

Limit authorisation
Overview
All records captured in the Limits module require authorisation

before the records will become available for use.
Access
Limit Menu>>Limit Authorisation
First screen
The system displays two screens superimposed as shown below.
The active screen shows a list of all unauthorised Customers.
Procedure
1. Follow the Authorisation procedures as described in
the Navigation manual.

The list closes and the normal Limit Authorisation
screen displays as shown on the following page.
2. Examine all new fields.
3. If you are sure that the details are correct press [F5] or click
the Commit icon [ ] on the Toolbar.

In a standard eMerge system, where no colour changes have been
made via the Options menu, all unauthorised data will display the
new details in dark red and the old details immediately beneath it in
green. For a new entry (creation of a record), all details will just
display in dark red.
Old Country of Risk
New Country of Risk
Note: Remember that you must open each of the versions when
authorising a record as this is the only way the system knows that
you have checked each field.
Outstandings in currency of the limit
Overview
This report displays outstanding amounts against recorded limits.
Access
Limit Menu>>Outstandings in Currency of the Limit
Procedure
2. Select the display criteria and click [Display].
3. View the resulting enquiry on‐screen and manipulate as
described in the Navigation Manual.
4. Close the enquiry.

Screen
A screen like the one shown below is displayed, allowing you to

filter the records for on‐screen enquiry or report.
When the enquiry displays, it will appear like the screen
shown below.
This screen displays the normal Enquiry Toolbar allowing you to
perform the normal functions such as zoom, print and so forth.
You are able to drill down on the record next to the description
for more details.

Outstandings in US dollar equivalent
Overview
This report displays outstanding balances in the USD

equivalent against recorded limits.
Access
Limit Menu>>Outstandings in US Dollar Equivalent
Procedure
described in the Navigation Manual.

Screen

shown below.
Liability report
Overview
This report details all limits and utilisations for a Customer or

Customer liability group.
Access
Limit Menu>>Liability Report
Procedure
described in the Navigation manual.

Screen

shown below.
The reporting screen displays the normal Enquiry Toolbar allowing
you to perform the normal functions such as zoom, print and so
forth.

Liability report per customer
Overview
This report details all the limits and utilisations for a Customer or
Customer liability group per Customer.
Access
Limit Menu>> Liability Report per Customer
Procedure
described in the Navigation manual.

Screen

shown below.

Notes
Use this page to record your own notes.

Facsimile Transmission
To: Temenos – Training Department
From:
Re: User Manuals
Fax: +44 207 423 3800
Date:
Manual Name:
Company:
Contact:
Your comments please

Information from our users is important to the ongoing
improvement of this product. Please take the time to tell us about
errors or omissions found in this manual. In addition we would
welcome any suggestions about improving the usefulness of the
manual.
Details and Suggestions


Limits

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Limits

Uploaded by

Copyright:

Available Formats

TEMENOS eMerge

Copyright 2005 TEMENOS Holdings NV. All rights reserved

Limit reference codes.........................................................................................................................25

LIMIT RECORD version..................................................................................................................35

Change limit conditions.....................................................................................................................38

LIMIT CHANGE version..................................................................................................................40

Outstandings in currency of the limit.......................................................................................45

TEMENOS eMerge Limits – Phase 3 Release 1.0 2 of 58

Liability report per customer......................................................................................................... 54

The Limit System is designed to monitor the availability and

Limit Reference Table

A Limit Reference is a numeric code which defines a type of Limit.

REDUCING LIMIT field indicates whether or not a Limit is a

TEMENOS eMerge Limits – Phase 3 Release 1.0 4 of 58

are, or are not, to be netted before Limit comparison.

2. A ʹnumber of daysʹ to define how many days prior to

Limit Expiry Date and Limit Review Date the approach of

these events is to be reported.

3. A date and cycle to indicate when the first revaluation will

occur and at what frequency thereafter.

4. A date and cycle to indicate when a full Central Liability report

(including those Liability numbers which did not move) need

to be produced in the back‐end process.

5. A number of days (administrative extension days) which

defines the maximum number of days by which the expiry date

of a limit can be ʺadministrativelyʺ extended before a new

expiry date is reassigned to the limit.

6. The Limit product definition according to the specific

requirements of the Bank. The most important feature of this file

is that it allows the user, for each Financial Application, to

define the precise rules applicable to his environment. In this

way, the Limit verification process can be established by the

user according to his own set of rules without any program

TEMENOS eMerge Limits – Phase 3 Release 1.0 5 of 58

A Limit at the top level of the structure can be defined as a secured

For Limits which have an associated Repayment schedule (for

It should be noted that all information held concerning Repayment

To cater for the special requirements of Foreign Exchange, an

Whenever a Limit is stated in one currency and transactions occur

TEMENOS eMerge Limits – Phase 3 Release 1.0 6 of 58

At the time of input of a transaction (Foreign Exchange, Letters of

Occasionally, the required Limit does not exist or is already fully

When the existence of a Limit has been established and any

Suballocations can be defined as the transfer of an amount to or

TEMENOS eMerge Limits – Phase 3 Release 1.0 7 of 58

The overnight reports produced by the System, are as follows:‐

Limits in excess will be shown together with overdrawn accounts

(OVERDRAFT AND EXCESS REPORT) produced on a daily basis

Comprehensive enquiry facilities allow the user to monitor on line

Online Update through LIMIT.CHANGE Application

This application is used when the user wishes to change the

 Customers and their new liability numbers.

Verify function is available for LIMIT.CHANGE application.

TEMENOS eMerge Limits – Phase 3 Release 1.0 8 of 58

records between the previous and new liability numbers.

also calculating the respective values in new currency.

3. Change the value of CHECK.LIMIT on the limit records in

a given limit structure.

4. Update the limit reference file with the new percentage.

A special value of *ALL may be specified in the field

Similar to the specification of Restricted Customers, it is possible to

Selection of Limit Product

In LIMIT it is possible to specify more than one Limit Product as

To facilitate this functionality, in LIMIT.PARAMETER the following

Customers and their new liability numbers.

Associated Multi‐value fields from 44.1 to 47.1

The above Hard‐coded values can be given as it is

Apart from these, any relevant field from

Limit Reference Codes