GNI Software stands for objectivity and integrity

The bank card management module automates the accounting of all types of bank cards from the moment of their purchase to distribution to branches and outlets of the Bank. This module also includes a subsystem for accounting for inserts with PIN codes. The module provides front-office and back-office interfaces with a built-in integration bus for integration with local processing centers. The system functionality provides the ability to perform the following operations on the principle of a "single window", including:

• Ordering a card at a branch and / or department;
• Ordering subcards at a branch and / or department;
• Card renewal;
• Card blocking;
• Change of card status;
• Change of PIN-code with appropriate integration with UFX;
• Monitoring and tracking activities through maps;
• Anti-fraud control.

The system also supports all necessary clearing operations for incoming files or WEB services called by an external processing center "GNI @ DATA EXCHANGE OPEN API" and generates the necessary outgoing files for the balance or calls the required WEB services of an external processing center. Through online integration with the Bank's ABS and others modules and subsystems, all operations carried out through bank cards are automatically displayed in accounting, online, according to a given accounting model, through customizable constructors.

The functionality of the module enables an effective system setup and control based on the requirements of any organization.

As part of the module, the front-office is provided for branches and outlets and a back-office interface is provided to manage workflows in the automated banking system of the bank.

Main functional blocks and subsystems of the module:

• workflow setup and control by modules;

• user profile setup and control;

• user setup and control;

• limits and access rights setup and control;

• setup and control of user identification policy including password requirements;

• user integration and synchronization with Microsoft services (LDAP);

• setup and control of SMS-tokens (One-time password) at log in;

• setup and control of delegation of user authorities for a specified period;

• fields control in program forms, including mandatory field conditions, field editing conditions, etc.;

• setup and control of operation approval and/or confirmation processes and procedures in the system;

• system settings setup and control.

This subsystem provides data integrity and transparency of all transactions.

Main functional units of the module:

• confirmation and logging of transactions;

• performing transactions and logging;

• reporting on made logs;

• procedure for managing log storage periods in the system.

The module provides an opportunity to register and manage checkbooks on the single-window concept.

The system infrastructure allows to keep quantitative and accounting records of checkbooks in all branches and outlets of the organization.

The module also has a built-in notification subsystem to monitor availability of checkbooks at branches and outlets of the bank, which are activated when certain events occur.

The entire accounting model under this module is configured via a specific built-in constructor. Hence, all accounting transactions are conducted automatically through the system transactional accounting.

The module provides a front-office for branches and outlets and a back-office interface to process the transactions related to checkbooks at the organization's head office.

Main functional units of the module:

• purchase and registration of new checkbooks;

• distribution of check books across branches and outlets of the bank;

• sale of checkbooks;

• setting up an accounting model for off-balance sheet accounting at all stages of the work with checkbooks;

• cash debit transactions for legal entities on sold checkbooks;

• keeping records on damaged forms.

This module enables setup and automated generation of required printing forms:

• an application on checkbooks issue;

• other documents required by the regulator.

Модуль межфилиального автоматического учета включает в себя функционал автоматического межфилиального учета всех активов и пассивов Банка. Таким образом, данный модуль дает возможность управлять активами и пассивами организации в разрезе филиалов и отделений организации, выставлять отдельные ключевые показатели эффективности (КПЭ) по каждому филиалу организации, и отдельно на центральное казначейство Банка. Данный модуль работает по аналогичному принципу, как будто сам Банк работает с казначейством Национального Банка, а именно покупает/продает валюту, покупает/продает финансовый ресурс и т.д.

В дополнение, данный функционал дает возможность менеджменту Банка формировать и анализировать результаты деятельности каждого отдельного филиала и/или отделения и/или подразделения по отчету о прибыли и убытков и/или балансу.

В рамках модуля предоставляется фронт-офис для филиалов и отделений Банка, а также бэк-офис интерфейс для осуществления межфилиального учета.

В модуль включены следующие основные функциональные блоки и подсистемы:

• Настройка межфилиальных счетов;
  
  
• Настройка пакетных программ по межфилиальному учету в момент закрытия/открытия операционного дня или в момент проведения каждой отдельной операции;
  
  
• Учет остатков и оборотов по межфилиальным бухгалтерским счетам организации.

This is an integral part of the system infrastructure that is operated in conjunction with other modules and subsystems of the automated banking system.

All clients, namely individuals, individual entrepreneurs, legal entities, and financial organizations, are registered in the ABS on the single-window concept with breakdown into actual and potential clients.

Upon creation of a client data sheet, client types are necessarily assigned in accordance with the type breakdowns matrix based on the requirements of the management team and/or the regulator. For example, a resident — an individual – the public sector, etc. The system does not have any restrictions either on the number of created types or the number of values in these types.

Based on the types of clients, the accounting model is determined by the type of transaction. As a result, the system automatically selects the required accounts from the setup matrix. Therefore, the human factor is completely excluded at the moment of transactions, and the data in analytical accounting always match the data in synthetic accounting without any manual involvement.

The system also has all the necessary controls in full compliance with the anti-money laundering regulations (AML) and the Foreign Account Tax Compliance Act (FATCA), as well as in accordance with the common reporting standard (CRS).

Demographic and personal information of individual clients is uploaded to the system and used in other modules, including for the preparation of management and regulatory reports:

• place of education;

• place of work;

• sector of economy;

• other client data.

The system controls filling in the minimum necessary information for legal entities, individual entrepreneurs, and financial and credit institutions, through customizable constructors and then using it in other modules, including for preparation of management and regulatory reports:

• sector of economy;

• registration information;

• authorized persons;

• founders;

• bank details,

• contact information;

• other client data.

The module provides a front office for branches and outlets, as well as a back-office interface for central customer relationship management.

Main functional units of the module:

• client management including editing existing client data sheets;

• registration of questionnaires under Know your client (KYC) procedures;

• management of CRS/FATCA forms;

• creation of an internal client stop-list (blacklist);

• registration and management of client profiles;

• attaching documents to the client's data sheet;

• procedure for checking the availability of documents, validity of documents and data in the client's data sheet.

This module enables setup and automated generation of required printing forms:

• client form and other documents.

The module also enables integration of the client data sheet with other external bank systems through a specially designed service bus.

This module enables to fully automate all types of bank fees for all transactions effected in the system with full compliance with the agreed bank tariffs both individual and dynamic ones.

The mechanism for calculating and charging fees is determined in accordance with:

• types of transactions;

• kind of products;

• currency;

• client;

• group of clients;

• recipient country code;

• and other parameters.

Thus, a multidimensional matrix – constructor is formed for each type of operations, which provides maximum flexibility for all necessary calculations and charges of bank fees followed by their automatic display on the accounts in the General Ledger of the organization.

The ledgers to be used in the system are defined as parameters in the customized accounting model constructor depending on the value in the multidimensional matrix.

In addition to the system calculation of the default cost of services, the system allows to group clients into one common data set to determine the group cost of services and calculate the fees. As an option, the cost for a specific client is also available.

As part of the module, the front-office is provided for branches and outlets and the back-office interface is provided for management of tariffs and fees of the bank's head office.

Main functional units of the module:

• registration and setup of the organization's general tariff plan;

• registration and setup of an individual tariff plan for specific products;

• registration and setup of an individual tariff plan for specific categories of clients;

• registration and setup of an individual tariff plan for specific branches;

• registration and setup of an individual tariff plan for various sales channels: Internet banking, mobile banking, etc.;

• registration and setup of an individual tariff plan for specific groups of clients;

• registration and setup of an individual tariff plan for specific clients;

• registration and setup of dynamic tariffs (the calculation depends on the average account balances and/or turnover for a certain period of time) for certain products;

• registration and setup of dynamic tariffs for specific groups of clients;

• registration and setup of dynamic tariffs for specific clients;

• calculation of taxes and deductions by transaction type.

This module fully meets all the requirements for calculating and accounting for all possible bank fees.

The module involves an opportunity to register all currents accounts on the single-window concept, including:

• registration for individuals;

• registration for legal entities;

• registration of loro/nostro accounts for financial and credit institutions;

• registration of client accounts for accounts receivable/payable.

The complex infrastructure of the system allows to use the same current accounts for different types of transactions and different products, thereby reducing the additional work on the front of the bank.

The entire accounting model under this module is configured with a specific built-in constructor, thereby all transactions in accounting are displayed automatically via transactional accounting of the system. The bank operator has no influence on accounting at the time of any transaction on the client's current accounts.

This module also has a unique structure, which provides accounting of current account balances and turnovers, taking into account the "virtual types": In total, the system has seven "virtual types" of balances and turnover on current accounts:

• Cash balance means funds were credited to the account via the branch's cash desk or the bank's cash-in terminal;

• Non-cash balance means funds credited to the account in cashless form;

• Card clearing balance means funds were credited to the client's account via card clearing (processing);

• Credit clearing remaining balance means funds credited to the client's account from a credit tranche;

• Deposit clearing remaining balance means funds credited to the client's account from a deposit account;

• Interest balance means funds credited to the account as income on the deposit of the client;

• Blocked balance means funds blocked in accordance with legal requirements and/or the bank's internal procedures.

As a result, the system allows to determine different tariffs and fees depending on the "virtual type" of the balance and/or turnover without any additional actions. For example, cash withdrawal fee for "virtual type" - "cash balance" is 0%, and cash withdrawal fee for “virtual type” - “Card clearing remaining balance” is 1%. In such a way, the bank can vary rates depending on the structure of the client's balance for the same current account. Additionally, this mechanism can determine different taxation base depending on different online balances on the client’s account without creating additional transactions and/or complex calculations in the system.

The module provides a front office for branches and outlets of the bank, as well as a back-office interface to manage clients' current accounts.

Main functional units of the module:

• current accounts management;

• integration with systems of domestic tax authorities for opening and/or registration of current accounts;

• contract management;

• product management on current accounts. This unit involves change of parameters, account closing, balance transfer, etc.;

• current account portfolio management.

This module enables setup and automated generation of required printing forms:

• account opening application;

• account opening agreement and other documents.

The module allows to manage the blocking and seizure of client accounts in accordance with local legislation and/or the requirements of the organization itself, with reference to certain events.

The system is fully integrated with the tax and judicial systems, as well as with the systems of other government agencies, which allows to keep records of blocking/debiting balances (for example, under court decision) for each individual transaction query and display the corresponding transactions in the bank's accounting. Data exchange with such government systems is performed automatically via the necessary file formats (batch or web service).

The list of such data includes:

• responses to queries from government authorities;

• making payments upon request of government authorities;

• implementation of the tax instructions;

• order for a certificate of the client's current corporate account and other data.

As part of the module, the front-office is provided for branches and outlets, as well as back-office interface to block and seize client accounts in the bank.

Main functional units of the module:

• registration and management of intrabank blocks including full and partial blocking of current accounts;

• registration and management of tax blocks including full and partial blocking of current accounts;

• registration and management of court blocks including full and partial blocking of current accounts;

• registration and management of collateral blocks including full and partial blocking on current accounts;

• registration and management of blocks including full and partial blocking of current accounts upon client request;

• seizure of debit/credit accounts;

• setting up the accounting model based on the module for blocking and seizure of client accounts.

This module enables setup and automated generation of required printing forms:

• decision to block;

• decision to unblock and other documents.

The module provides an opportunity to register and manage checkbooks on the single-window concept.
The system infrastructure allows to keep quantitative and accounting records of checkbooks in all branches and outlets of the organization.
The module also has a built-in notification subsystem to monitor availability of checkbooks at branches and outlets of the organization triggered by certain events.
The entire accounting model under this module is configured via a specific built-in constructor. Thus, all accounting transactions are performed automatically through integration with the automated banking system GNI @CORE BANKING.
The module provides a front-office for branches and outlets and a back-office interface to process the transactions related to checkbooks at the organization's head office.
Main functional units of the module:

• purchase and registration of new checkbooks;
• distribution of checkbooks across branches and outlets of the organization;
• sale of checkbooks;
• setting up an accounting model for off-balance sheet accounting at all stages of the work with checkbooks;
• cash debit transactions for legal entities on sold checkbooks;
• keeping records on damaged forms.

This module enables setup and automated generation of required printing forms:

• an application on checkbooks issue;
• other documents required by the regulator.

The deposit control module allows to fully automate the entire life cycle of client deposits from creating deposit products, setting up accounting, creating agreements, making additional deposits and withdrawing funds through branches and outlets of the bank.

This module enables setup of all products by using a parametric constructor. With this system structure, the bank can independently set up any configurations of products for deposits without programmers or technical staff assistance and offer them onto the market in the shortest possible time.

System functionality enables all types of deposit transactions on the single-window concept, including the main ones:

• registration of deposits for individuals, legal entities, and financial and credit institutions;

• prolongation of deposits for individuals, legal entities, and financial and credit institutions;

• replenishment of deposits for individuals, legal entities, and financial and credit institutions;

• partial withdrawal of deposits for individuals, legal entities, and financial and credit institutions;

• early withdrawal of deposits for individuals, legal entities, and financial and credit institutions;

• deposits rescheduling for individuals, legal entities, and financial and credit institutions;

• changes to current accounts related to deposits of individuals, legal entities, and financial and credit institutions;

• migration of deposits to another bank division.

The entire accounting model under this module is configured via a specific built-in constructor. Hence, all accounting transactions are conducted automatically through the system transactional accounting.

As part of the module, the front-office is provided for branches and outlets, as well as back-office interface to process transactions related to deposits at the bank's head office.

Main functional units of the module:

• management of deposit products;

• closure of term deposit accounts;

• transfer of balances on term deposits;

• integration with the country's tax authorities' systems for opening and/or registering of term deposits;

• setup of accounting model for deposits;

• binding deposits to current accounts for accrual, payment of accrued interest, and withdrawal of funds;

• tax and deduction management for term deposits;

• management of deposit portfolio.

The product management unit for deposits includes setting up and changing product parameters:

• term;

• currency;

• type of interest calculation;

• participation in marketing activities;

• setting up a client group;

• link to loan products and other parameters.

The system supports all types of interest calculations in the deposit module:

• regular interest;

• floating interest;

• capitalized interest calculation;

• bonus interest;

• advance interest.

This module enables setup and automated generation of required printing forms:

• application for the deposit opening;

• deposit opening agreement and other documents.

This module allows to create different types of marketing activities to attract deposits from different types of clients. The main types of marketing activity include:

• gifts;

• additional accrued interest upon the occurrence of certain events;

• drawing lots and lotteries.

All marketing activities are created using a parametric constructor. With this system structure the bank can independently set up any configurations of marketing activities for deposits without programmers or technical staff assistance and offer them onto the market in the shortest possible time.

The system also enables individual accounting of all gifts, their evaluation procedure and distribution of the cost of such gifts to the effective rate of funds raised during the marketing activity period.

The entire accounting model under this module is configured via a specific built-in constructor. Hence, all accounting transactions are conducted automatically through the system transactional accounting.

As part of the module, the front-office is provided for branches and outlets, as well as back-office interface is provided to process marketing activities at the bank's head office.

This module is also equipped with appropriate controls and messages to monitor the effectiveness of marketing activities in the bank's branches and outlets by the organization's management (gift presented/not presented, etc.).

Main functional units of the module:

• management of deposit marketing activities. This block includes changing of activity parameters, determining of the activity period, activity type, setup of client groups, etc.;

• accounting for all the gifts and determining their value in accordance with purchase prices and/or other valuation methods;

• setup of accounting model for marketing activities;

• linking deposit products to marketing activities;

• integration with the deposit module and recalculation of the effective rate on attracted funds in accordance with the XIRR formula.

This module enables setup and automated generation of required printing forms:

• application for participation in marketing events;

• marketing activities rules and other documents.

This subsystem enables to configure criteria and key performance indicators (KPIs) for different screen forms and indicators that, when occur, invoke corresponding alerts/messages thus giving an opportunity to the bank's leadership to effectively manage workflows.

The module supports several language versions offline, which benefits bank users when they work with the system.

The exchange rate policy management module permeates all the modules and subsystems of the automated banking system. This module provides the management of the rates of an unlimited number of currencies, helps to manage the currency position, as well as to form the relevant articles of income of the Bank - dealing income. This module is also closely integrated with GNI Software's Treasury Unit. The module involves setting up both automatic exchange rates and cross-rates through integration with the electronic portals of the National Bank of the country, and allows the front-line to introduce courses and cross-courses in manual mode on a daily basis.

• Introduction of national bank exchange rates;
• Making the Bank's daily exchange rates;
• Introduction of cross-courses of the National Bank;
• Introducing daily cross-rates of the Bank;
• Setting limits on branch and/or branch and/or cash;
• Setting limits on groups of customers and/or specific customers;
• Setting limits on transactions, including cash and/or non-cash transactions;
• Setting limits on transactions from external data sources, the Internet and mobile banking, ATM, etc.;
• The procedure for agreeing special courses.

The entire accounting model on this module is customized, through a certain built-in designer, so all transactions in accounting are conducted automatically through transactional accounting of the system. At the same time, the system calculates and takes into account the dealing income/expense automatically for each individual transaction.

• Management of exchange rates and cross-rates;
• Management of special courses on dealing deals;
• Integration with the National Bank portal for automatic loading of courses;
• Managing taxes and deductions at the time of operations;
• Calculation of commissions and dealing income/expense.
• This module involves setting up and automatically forming the required print forms:
• Application for a special exchange rate and other documents.

The cash conversion control module covers and automates the entire life cycle of cash conversion via branches and outlets of the bank from creating the transaction type, setting up accounting, creating the transaction itself in branches and/or outlets of the bank to conducting the transaction in the ABS ledger.

This module is designed to set up types of cash conversion by using the parametric constructor. With this system structure the bank can independently set up any cash conversion settings in the shortest possible time without programmers or technical staff assistance.

As part of the module, the front-office is provided for branches and outlets, as well as back-office interface is provided to process the receipt, confirm and send payments to be executed at the bank's head office.

The functionality of the system enables to perform all kinds of cash conversion on the single-window concept, including:

• transactions for cash purchase and currency sale;

• direct cross-rate conversion on different currencies;

• ordering special rates for each client;

• ordering special rates for each transaction;

• defining the duration of special rates.

The entire accounting model under this module is configured via a specific built-in constructor. Hence, all accounting transactions are conducted automatically through the system transactional accounting.

Main functional units of the module:

• product management by type of transaction;

• integration with systems of tax authorities or other state authorities of the country;

• setup of the accounting model for cash conversion;

• tax and deduction management;

• calculation of fees and dealing income.

This module enables setup and automated generation of required printing forms:

• cash conversion form and other documents.

The Cashless Conversion Management Module covers and automates the entire life cycle of non-cash bank conversion from the moment the type of transaction was created, the accounting settings, the creation of the transaction itself through external sales channels and/or branches or branches of the Bank to the transaction in the accounting book of ABS. This module involves setting up types of non-cash conversion with the help of a parametric designer. Thanks to this structure of the system, the Bank can, without the help of programmers or technicians, independently adjust any configuration

s of non-cash conversion in the shortest possible time.

• Perusing on the non-cash purchase, sale
of currency;
• Sweathage conversion at the cross rate between different currencies from one customer account to another;
• Scaly special courses for each client;
• Scaly special courses for each non-cash conversion transaction;
• Funimation of the period of special courses.

Receivable accounting model on this module, through a certain built-in constructor, so all accounting operations are conducted automatically through transactional accounting

of the system.

• Decesivement of products in terms of types
of operations;
• The intention with the systems of tax authorities or other state bodies of
the country;
• Intrust the accounting model by non-cash conversion;
• The management of taxes and deductions;
• Exassecies and calculations of dealing income
.

This module involves setting up and automatically forming the required print forms:

• National conversion form and other documents.

The non-cash conversion control module covers and automates the entire life cycle of a bank's non-cash conversion, from creating the transaction type, setting up accounting, creating the transaction itself via external sales channels and/or branches or outlets of the bank to conducting the transaction in the ABS ledger.

This module is designed to set up types of non-cash conversion by using the parametric constructor. With this system structure the bank can independently set up any non-cash conversion settings in the shortest possible time without programmers or technical staff assistance.

As part of the module, the front-office is provided for branches and outlets, as well as back-office interface is provided to process the receipt, confirm and send payments to be executed at the bank's head office.

The functionality of the system allows to perform all kinds of non-cash conversion on the single-window concept, including:

• transactions for non-cash purchase and currency sale;

• direct cross-rate currency conversion between different currencies from one client's account to another;

• ordering special rates for each client;

• ordering special rates for each non-cash transaction;

• defining the duration of special rates.

The entire accounting model under this module is configured via a specific built-in constructor. Hence, all accounting transactions are conducted automatically through the system transactional accounting.

Main functional units of the module:

• product management by type of transaction;

• integration with systems of tax authorities or other state authorities of the country;

• setup of the accounting model for non-cash conversion;

• tax and deduction management;

• calculation of fees and dealing income.

This module enables setup and automated generation of required printing forms:

• non-cash conversion form and other documents.

The safe deposit boxes control module covers and automates the accounting of the safe deposit boxes and the transactions related to this via the bank's branches and outlets from creating the transaction type, configuration, accounting, creation of the transaction in branches and/or outlets of the bank before carrying out transactions in the ABS ledger.

This module is designed to set up products of safe deposit boxes by using the parametric constructor. With this system structure the bank can independently set up any safe deposit boxes products in the shortest possible time without programmers or technical staff assistance.

The module provides a front office for branches and outlets, as well as a back-office interface for transfer of safe deposit boxes between the bank's branches.

The functionality of the system provides an opportunity to perform all types of transactions with bank's safe deposit boxes on the single-window concept including the main ones:

• acceptance for quantitative accounting of safe deposit boxes with consideration to various sizes/dimensions;

• acceptance of safe deposit boxes on off-balance sheet accounts for accounting;

• moving of safe deposit boxes between branches and divisions of the bank;

• maintaining records of agreements with clients;

• tracking free safe deposit boxes;

• keys accounting;

• replacing keys;

• formation of a commission for opening of safe deposit boxes;

• maintaining records of powers of attorney for access to bank safe deposit boxes.

The entire accounting model under this module is configured via a specific built-in constructor. Hence, all accounting transactions are conducted automatically through the system transactional accounting.

Main functional units of the module:

• managing products in terms of sizes of safe deposit boxes and storage period;

• setting up an accounting model to keep records of bank safe deposit boxes;

• keep records of safe deposit boxes and their movements;

• maintaining records regarding keys and their replacement;

• client agreements and power of attorney for access to safe deposit boxes;

• determining the cost of the bank's services in accordance with the tariff plan and product parameters.

This module enables setup and automated generation of required printing forms:

• agreement for opening of a bank safe deposit boxes;

• an application about key loss and other documents.

A 24/7 subsystem enables to activate all modules of the system in the 24/7 mode.

This module enables setup of cut-off processes using a parametric constructor. With this module structure, the bank can independently configure the time and conditions of cut-off processes for specified types of transactions in the shortest possible time without programmers or technical staff assistance.

All transactions in the automated banking system under the specified conditions get into a separate data buffer with further automatic processing and their transfer to the balance sheet of the next transaction day.

The functionality of the system provides an opportunity to configure the conditions of cut-off processes based on the following key parameters:

• by the cut-off time processes;

• by a time period;

• settings for transaction channels – internal and external (Internet and/or mobile banking, card processing, payment terminals, etc.);

• other important parameters.

The entire accounting model under this module is configured via a specific built-in constructor. Hence, all accounting transactions are conducted automatically through the system transactional accounting.

The built-in reporting module provides a unique opportunity for all the users of the system to create and save necessary individual operational reports in the "Favorites" section within the transaction system in each separate screen using all possible mathematical formulas:

• plus;

• minus;

• division;

• multiplication;

• average;

• module;

• and others;

All these customized reports are uploaded in Excel and/or PDF format from the user interface with one click. Tasks are thus completed quickly for each individual ABS user.

The module includes electronic document management functionality that permeates all modules and submodules of the automated banking system, including:

• setting up the list of documents required for attachment; it also sets the requirement and/or optionality of attachment of a corresponding document for each transaction;

• full integration with all known scanner models;

• storing all attached electronic documents as part of the transactions performed in the Alfresco document management system;

• Procedure of reading of all documents on any archived transaction date.

This module is designed to effectively and quickly manage processes, conduct appropriate audit and monitoring procedures within the bank through a single window – the ABS interface.

The module provides a front office for branches and outlets and a back-office interface for organization's document management.

The subsystem provides unique opportunities for creating and controlling of all types of banking products from a common interface. In addition to creating products, our ABS enables banks to configure an accounting model (all accounting) and financial policy based on built-in constructors independently, without programmers assistance.

In addition, the functionality of the system provides broad opportunities to manage business conditions of these products:

• monetary policy;

• financial policy;

• organizational policy, etc.;

• client coverage and grouping setup;

• option to set limits and regulation rules.

These features provide flexibility in the bank's sales strategy and prompt launch of new solutions onto the financial market.

As part of the module, the front-office is provided for centralized product management by the head office.

Main functional units of the module:

• registration of new products;

• setup of the accounting model for products, linking of all necessary accounts to the product including balance sheet and off-balance sheet accounts;

• setup of business conditions and parameters for different product subtypes:

• current accounts;

• deposits;

• loans;

• credit lines;

• documentary transactions;

• instant money transfers;

• treasury transactions;

• other subtypes.

• Determining events resulting in certain accounting transactions for each product. For example, interest accrual on loans, penalty interest accrual, default on principal amount, overdue accrued interest, write-off on off-balance, recovery from off-balance, etc.

The functionality of this module also includes a chain of product approvals within the existing organizational structure of the bank.