LEDGER FEE CHARGES – BALANCE.

REQUIREMENT,
TURNOVER.CREDIT AND TURNOVER.DEBIT

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,
GENERAL CHARGE: electronic or mechanical, for any purpose, without the express written permission of TEMENOS Holdings NV.

Copyright 2002-2003 TEMENOS Holdings NV. All rights reserved.

There are basically two types of charges within T24:
 Document Version Control

Date of
Version No. Amendment Changed By Description of the Changes Made
1 13/02/2009 Priyatharsini P Initial Draft
1.1 13/02/2009 Gopi K Modified
1.2 15/02/2009 Senthil Nathan D Reviewed

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LEDGER FEE CHARGES
Ledger fee charges may be applied Monthly, Quarterly, Half yearly or Yearly as specified in the COMPANY
record, always at the end of a calendar month.

The charges can be based on:

1. BALANCE.REQUIREMENT
2. TURNOVER.CREDIT
3. TURNOVER.DEBIT
4. NUMBER.OF.CREDIT
5. NUMBER.OF.DEBIT
6. TRANSACTION code specific

Either NUMBER.OF.CREDIT with NUMBER.OF.DEBIT can be used to base charges or TURNOVER.CREDIT with
TURNOVER.DEBIT, but not both. It is possible to combine all these charges into one charge.
A waive marker may be set in ACCOUNT (field WAIVE.LEDGER.FEE) records to indicate that charges should be
calculated but not applied.
No Ledger fee charges are calculated on balances and activity in the month in which an account is opened or
closed, (unless the ACCOUNT.CLOSURE date is the last day of the month).

This document illustrates the setup required for the General Charges BALANCE.REQUIREMENT,
TURNOVER.CREDIT and TURNOVER.DEBIT.

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Type 1: BALANCE.REQUIREMENT
The purpose of this table is to define a fixed Account charge to be applied if a specified Balance is not
maintained.
Step 1: Create a BALANCE.REQUIREMENT record,

FIELD DESCRIPTION
Balance Type Specifies whether the Balance Requirement Charge is to be
based on an Average or Minimum Account Balance.

Default Bal Amt Specifies the local currency equivalent of the Balance below
which the charge specified in corresponding DEF.CHARGE.AMT
will be made.
Def Charge Amt Specifies the charge to be made on Account Balances less than
that specified in corresponding field DEFAULT.BAL.AMT.

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GENERAL.CHARGE
This table is used to specify for groups of Accounts which charges are to be levied and what balance
overrides are allowed. The GENERAL.CHARGE record applicable to a particular Account is specified in the relevant
GROUP.DEBIT.INT or ACCOUNT. DEBIT.INT Record.

Step 2: Create GENERAL.CHARGE record and attach the BALANCE.REQUIREMENT created,

FIELD DESCRIPTION
Charge Of Fcy Acct Y – Charges apply to all currencies.
N – charges apply only to local currency.

Calcul Step Period Specifies whether charges in BAL.REQUIREMENT should be

calculated once to cover the full charge period, as specified in
the Company record, or in monthly steps.

Bal Requirement Identifies the record containing details for calculating a

maintenance charge depending on the balance in the Account.

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GROUP.DEBIT.INT

The Group Debit Interest Table allows the specification of a calculation method of debit interest for
groups of accounts and provides the link to the GENERAL.CHARGE table where the charges applicable to the same
groups of Accounts are specified.

Step 3: Create GDI record for group 1USD, and attach the GENERAL.CHARGE record created,

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ACCT.ACTIVITY

This is an internal file containing details of Account Balances and Activity used to calculate interest and charges.
Details are held in separate records for each Account for each month in which there has been any Activity over
the Account.

Step 4: Take an account (10448), which belongs to the group 1USD and do FT,

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STMT.ACCT.CH

This is an internal file containing details of the calculation of account charges for capitalization Charges
are calculated according to information contained in the COMPANY record (Monthly).

Result: After month End COB check the STMT.ACCT.CH,

As the Minimum balance (0 USD) is less than the default balance amount (10000 USD), a charge of 10 USD (Def
Charge Amt) is calculated.
Note: Minimum balance is 0 USD, because before 25 Feb 2008 there was no balance.

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ACCT.ACTIVITY

Take another account (10499), which belongs to the group 1USD and do FT

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STMT.ACCT.CH

Minimum balance is 25,000 from 1 Feb 2008, which is greater than the specified amount (10000), so no charge is
calculated for this account.

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Type 2: TURNOVER.CREDIT
This table is used to specify a Percentage charge on the total value of chargeable credit entries which
pass over an Account during the Capitalisation period.

Step 1: Create a TURNOVER.CREDIT record,

FIELD
Percentage
Default Free Amt
Default Min Amt
Default Max Amt
DESCRIPTION
Specifies the rate used to calculate the charge amount as a Percentage
of the total value of chargeable credit entries.
Specifies the Free Amount, in local currency equivalent, to be deducted
from the total charge calculated.
Specifies the Minimum Amount, in local currency equivalent, to be
charged to the Account.
Specifies the Maximum Amount, in local currency equivalent, to be
charged to the Account.

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GENERAL.CHARGE

Step 2: Create GENERAL.CHARGE record and attach the TURNOVER.CREDIT created,

GROUP.DEBIT.INT
Step 3: Create GDI record for group 2USD, and attach the GENERAL.CHARGE record created,

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ACCT.ACTIVITY

Step 4: Take an account (11142), which belongs to the group 2USD and do FT

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STMT.ACCT.CH

Result: After month End COB check the STMT.ACCT.CH

Balance = 550,000 USD, Percentage = 2 and Free Amt = 100

Charge = (550000 * 0.02) – 100 = 10900

Even though the calculated charge falls under the specified range (10,000 to 100,000), it is taking the minimum
charge amount 10,000. Because in TRANSACTION record ‘Debit Credit Ind’ is set as ‘D’ (Debit), i.e. it will calculate
charges only for debit transactions.

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TRANSACTION

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ACCT.ACTIVITY

STMT.ACCT.CH

Charge is 10,000, since in TRANSACTION record ‘Debit Credit Ind’ is set as ‘D’.

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Type 3: TURNOVER.DEBIT
This table is used to specify a Percentage charge on the total value of chargeable debit entries which pass
over an Account during the Capitalisation period.

Step 1: Create a TURNOVER.DEBIT record,

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GENERAL.CHARGE

Step 2: Create GENERAL.CHARGE record and attach the TURNOVER.DEBIT created,

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GROUP.DEBIT.INT

Step 3: Create GDI record for group 3USD, and attach the GENERAL.CHARGE record created,

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ACCT.ACTIVITY

Step 4: Take an account (15946), which belongs to the group 3USD and do FT

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STMT.ACCT.CH

Result: After month End COB check the STMT.ACCT.CH

Charge = (500000 * 0.03) – 1000 = 14000

As 14000 are within the range (10,000 to 100,000), it is taken as charge.

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ACCT.ACTIVITY

STMT.ACCT.CH

Charge = (5000 * 0.03) – 1000 = -850

As -850 is less than 10000, 10000 are taken as charge.

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