Customer
Customer
Customer
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• Clients:
Private, Corporate.
• Agents:
Other Banks, Brokers.
• Counterparties:
Other Banks, Retail and Corporate.
CUSTOMER
A/C Based Transactions Contract Based Transactions
Foreign Exchange
Savings Account
GLOBAL
CUSTOMER RELATION
COUNTRY
INDUSTRY
SECTOR
CUSTOMER
CUSTOMER. CUSTOMER.
DEFAULT
STATUS
LANGUAGE
TARGET LIABILITY
• Contains all the basic information about any Customer the bank
deals with
• Ideally, only one record should exist for each Customer
• Customer record can be created as soon as Name, address and
other relevant information is obtained
– Need not wait till opening of an account or input of any
business transaction
SECTOR
INDUSTRY
COUNTRY
TARGET
DEPT.ACCT.OFFICER
CUSTOMER.STATUS
DEPT.ACCT.OFFICER
POSTING.RESTRICT
RELATION
• ID
– Unique and upto 10 digits
– Model Bank has been set to generate this automatically
• MNEMONIC (Customer Mnemonic in Model Bank)
– Is a memory aid and hence unique
– Can be used instead of Id, wherever the Customer Id is
required in any T24 application
• SHORT NAME
– Multi lingual. Used for online enrichment
• SECTOR
– Top level grouping. Useful for reporting and applying
preferential charges.
• This field in Customer record is a Hot validate Field
– After inputting value when the cursor is moved away from the
field, connectivity is established with Server for validation and
suitable action
– For a given Sector, it is possible to default values into
ACCOUNT.OFFICER, INDUSTRY, TARGET and NATIONALITY
fields in Customer record if pre-defined suitably in
CUSTOMER.DEFAULT
– For this reason, this field has been designed as a Hot validate
field to facilitate quick input of data
• INDUSTRY
– Next level grouping. Occupation related information
• TARGET
– Useful for future marketing
• NATIONALITY & RESIDENCE
– Country name to indicate nationality and residence
• CUSTOMER.STATUS
– Corporate Large, Bankrupt Comp, Priv Std Client
• ACCOUNT.OFFICER
– Shows Relationship manager here. In other applications can
be re-grouped to get department wise customer related
information
• LANGUAGE
– Helps identify language used while corresponding with
Customer
• Correspondence Details
– STREET (Street / Number field in Model Bank) is mandatory
• Can be made non mandatory by using CUSTOMER.DEFAULT
– Other correspondence details such as Town, Country, Phone
Numbers and Email Address are optional and can be captured
through respective multi valuable fields
• System maintains Street, Town and Country details as First print
address of Customer in DE.ADDRESS
• RELATION.CODE
– To indicate nature of relationship of this Customer to an existing
related customer
• Head office, Spouse, Parent
• REL.CUSTOMER (Relation Customer in Model Bank)
– To indicate the Customer number of related customer.
– Should be an existing Customer
• REVERS.REL.CODE (Reverse Relation)
– System maintained field. Indicates the reverse relationship of the
other customer with this Customer
• Branch, Spouse, Child
• Possible to indicate multiple relationships by multi valuing the fields
• System maintains details of relationships in RELATION.CUSTOMER
Industry
Liability
Residence
Customer
CUSTOMER Relationship
Target Customer
Nationality
Address Savings accounts