02.

CUSTOMER INFORMATION
FILE (CIF)
Section

Section Description

Page

02.01

Creation of Customer: PERSONAL-PUBLIC

16

02.02

Creation of Customer: PERSONAL-STAFF

24

02.03

Creation of Customer: CORPORATE

24

02.04

Setting up Relationship between different Customers

28

02.05

Customer Modifications

30

02.06

Customer Enquiries

31

02.07

Associated Accounts

36

02.08

Customer Evaluation

37

02. CUSTOMER INFORMATION FILE

Each customer will be assigned one CIF Number (across the Bank) irrespective of
the number of accounts held by him/ her at different branches. Apart from other
data, all information required to be obtained under Know Your Customer (KYC)
norms needs to be captured while creating CIF.
IMPORTANT POINTS TO REMEMBER:

CIF is required to be maintained for all viz.

Account holders,
Joint Account holders,
Partners,
Introducers,
Nominees,
Guardians,
Guarantors etc.
(i.e. for those having any relationship with the Bank).
Various accounts in the same name and rights have to be maintained with
one CIF number.
All Tellers can create CIF, which requires authorization by a Checker with
a minimum Capability Level of 5.
All usual formalities for creating a customer are to be completed manually
as per KYC norms and the data from the account opening form to be keyed
into the system.
Do not enter any special characters or spaces in numeric fields like
Telephone/Fax numbers etc.

02.01. Creation of Customer: PERSONAL PUBLIC:

I. Menu access:
Customer Management Create Create Personal Customer
Steps
1

Description
Create Personal Customer

Screen No
062001

Authorization

Queue (Refer 14.01)

II. \\SCR 062001 Create Personal Customer Wizard

Note:
1.Input is mandatory in aquamarine fields.
2.To navigate from one field to another field please use 'TAB' key or take the
mouse cursor to the appropriate box and click.

16

FIELD
LABEL
1.
Customer
Number
2.
Status

3.

VIP Code

4.
5.

Customer
Type
Title

6.

First Name

7.

Middle Name

8.

Last Name

9.

Father/
Spouse Name
Relative code

10.
11.

Mother's
maiden Name

12.

Door/ FlatNo/
Buiding/
Society
Street/ Road
Name/ Block
Locality/
Village/ Tehsil
District

13.
14.
15.

REQUIRED INPUT
Nil
000:Active

REMARKS
Grey colored, inactive

Other pull down menu options

001:Whereabouts unknown/
002:Deceased/ 999:Inactive/
888:Non-customer
Yes/No
Yes for MLA/ MP/
Minister/ IAS Officer/
Prominent persons etc.
010203: PERSONALAppropriate choice from the
PUBLIC-OTHERS
drop down.
Mr./ Mrs./ Ms./Miss
Choose the correct title from
etc.
the drop down; useful for
marketing products to
specific type of customers, or
to identify/send invites to the
VIPs in our customer database
Key in the first name e.g. Kapil here if full name is
Kapil Dev Nikhanj
Type middle name
Dev here from the above
example
Type the last name
Nikhanj here is Important for
CIF search by last name of
personal customer
Type the relevant Males father/ Females
name
spouse
F:Father S:Spouse
Make
appropriate
choice
according to input in field 9
Type the mothers
Since this information is
name given by her
normally not known to
parents before her
strangers it can be used to
marriage
verify the identity of the
individual
Type the full address of the
individual against fields12 to
15

17

FIELD

LABEL

16.

City/ Town

17.
18.

State
Country

19.
20.

Post Code
Language:

21.

Phone (Home)

22.
23.

Phone (Business)
Mobile Number

24.
25.

Fax Number
Date of Birth

26.

Gender Code

27.

Marital Status

28.

Nationality
Domicile*
*Means usual place
of residence (or
hometown)

29.

REQUIRED INPUT

REMARKS

Enter the first 3 Use the Search button/

digits of the Pin keyboard. Use drop down
Code
menu. The system cross checks
veracity of the pin code
entered vis--vis the state
name. i.e. we cannot give 600
as City Code (for Chennai) and
select the State as
Andhra Pradesh. The list of
cities appearing in search is
incomplete.
Enter state name
Enter
country
name
Enter Pin Code
1: English.
Means customer details are
stored in English.
Enter all available Details against 21 to 24
numbers
are very useful for day to day
operations
Is a must in case the customer
wants SMS alerts
Enter using
DD/MM/YYYY
format.
Male/ Female/
Unknown
Single/ Married/
Divorced/
Defacto/
Widowed/ Living
Apart/ Not
Married/ Unknown
e.g.IN:INDIA
do

18

Use the Date-picker against the

field and select yyyy/mm/dd in
that order
Select relevant option from the
dropdown menu
-do-

-do-do(In the case of NRIs, it will be

the country where they are
currently residing)

FIELD
30.

LABEL
Occupancy

REQUIRED INPUT
Home owner/
Tenant/ living in
family home/
Other
RI/ NRI/ RNOR/
ROR

REMARKS
-do-

31.

Resident status

32.

Dt.of Perm
Return:

Should not be a
future date

Greetings Reqd.

Yes/ No.

Applicable to only NRIs. If a

future date is input, an
error message 125:DATE IN
FUTURE appears after the
checker attempts to authorize.
Whenever Correspondence
Module is used, the customer
shall be sent communication on
the address given against the
Relevant fields above. It
is especially important for
VIP customers.

33.

-do-

Clicking on Next button takes you to the second part of the same Screen where
Identification Details of the customer are to be captured. A screenshot is given
below together with explanations of the fields.
\\SCR O62001: Create Personal customer Wizard (part 2)
Note: Identification: Under KYC norms, new customers are required to
produce documents establishing their personal identities & veracity of given
addresses. For CIF to be operational, it should have minimum 110 KYC Points,
comprising of Identity Proof (99 Points) and Proof of Address (11Points).
Accounts opened with a CIF score of less than 110 shall have STOP status & all
transactions put through such accounts shall require supervisory override.
Proof
1.
2.
3.
4.
5.

of Identity (99 points)

Passport
Voter ID card
PAN Card
Govt./Defence ID card
ID cards of reputed
employers
6. Driving Licence

1.
2.
3.
4.
5.
6.
7.
8.
9.

Proof of Current Address (11 points)

Credit Card Statement
Salary slip
Income/ Wealth Tax Assessment Order
Electricity Bill
Telephone Bill
Bank account statement
Letter from reputed employer
Letter from any recognized public authority
Ration Card

Documents like Passport with same address, ID Acceptable to the Branch Manager
19

provide both personal identity and proof of address; as such customer will get 110
points. In such a case, it will not be required to furnish details in Second ID Type.
In case First ID Type itself does not suffice; a Second ID Type can be obtained from
the customer and details entered in the respective fields.
FIELD
34.

LABEL
Identification
First ID Type

35.
36.
37.

ID Issued At
First ID Number
ID Issue Date

38.
39.

Remark
Second ID type

40.
41.

Second ID number
Relationship
Manager
Home Branch
Customer
Evaluation
Required
Introducer

42.
43.
44.

REQUIRED INPUT

REMARKS

Select relevant option

Depending upon the
from the pull down menu
proof given
Enter place of issue of ID
Enter the ID number
Enter in DD/MM/YYYY
format
Select relevant option
from the pull down menu
depending upon the
proof tendered
Enter the ID number

Needed only when

first ID type has KYC
score of less than
110

Key in the CIF number

of the introducing
customer.

Use search button if

CIF no. of introducer
is not available

Notes: 1. In case the customer is an employee of a reputed organization, the ID

number needs to be prefixed by the corresponding company name,e.g.
HCL, IOC etc.
2.The ID 41:ID acceptable to the Branch Manager is to be selected only
with the Branch Managers approval in a register to be maintained for the
purpose, entering the ID serial no. and a serial number prefixed with
branch code against the ID number.
3.For customers of the same family, the same ID type & number may have
to be used repeatedly etc. In such cases, the original Electricity bill/
Telephone bill no.etc. followed by relative code (like s-son/ ddaughter/w-wife,dl-daughter in law,b-brother and si-sister)
suffixed by a number according to the seniority of the member in the
family(like s1-eldest son, s2 - 2nd son, s3-3rd son and so on.) can be
used. (e.g. An electricity bill bearing no. 03h2452 is submitted for CIF
purposes by 2nd daughter of an electricity consumer, the ID no. can be
used as 03h2452-d2).

20

FIELD

REQUIRED INPUT

REMARKS

45.

LABEL
Internet Banking
Details
Request for INB

Yes/No

46.
47.

E-Mail/ Mail ID
E Mail Address

01:E-mail/ 02:Mail
Enter

48.

Internet Banking
Ref. No.

Enter the 10-digit INB

PPK Number

Select from drop down the

option according to
customers choice
do
If E-Mail ID is chosen at sr.
no. 46, Intimation reg.
activation of INB facility
will be sent to NRI
customers by email
If Pre-Printed Kit is issued
to the customer for
providing INB facility;
otherwise leave it blank
Applicable to NRI
customers

Visa Details
49.
50.
51.
52.
53.
54.
55.
56.
57.

58.

VISA Details
VISA Issue Date
VISA Issued By
VIAS Expiry Date
Customer Risk
Domestic Risk
Country of Risk
Cross Border
Risk
Threshold Limit
Customer Details
Segment Code

59.

CIS Organisation
Code
BSR Org. Code

60.
61.
62.

Income Tax Pan

Voter ID
Source of Fund

Do not change the default

values
do
do
Maximum Rs.10 lac
0706:PER-DOM-PUBLIC/
0806:PER-NRI/
5006-OTHERS {NOT
INCL. (IN PER) ABOVE}
41:Individual-Male/
42: Individual-Female
41:Individual (Singly or
Jointly)-Male)/
42:Individual (Singly or
Jointly)-Female
Enter
Enter

21

Refer proof submitted

-doRefer ac opening form

FIELD
LABEL
63.
Annual Income
64.
TFN Indicator

REQUIRED INPUT

65.
66.
67.
68.
69.
70.

NPA-Trade
NPA-Non Trade
Trade Customer
Occupation Code
RMPB-ID
Apply TDS

Yes/No
Enter

71.

Locker Holder

Yes/No

Yes/No

REMARKS
-doRefers to Tax File Number.
Retain default value. Our
Bank does not use this.
Grey inactive field
-doNot Applicable
Refer a/c opening form
Choose according to extant
instructions

Note: Though some fields are not mandatory, it is better to fill in the details
comprehensively & correctly in the first instance, to eliminate /reduce CIS
purification work later.
Click Transmit button. The transaction will be submitted to checker for authorization.
A queue reference number is generated. Please note it on the KYC form and send it to
the supervising official. The checker has to now authorize this item.
III. On authorization, an OK message will appear at the bottom with a string of
numbers like:
003

8500001764 -7

03263 002

032630

Number indicates:
003
8500001764-7

03263
002
0326302

Institution (Bank) code for SBI;

Customer number (7 is the check digit whenever the
customer number is to be entered by the user, it will be
a continuous string of 11 digits without any hyphen and
including the check digit.
Branch code
Terminal No. or logical partition in the branch from
which the transaction was put through
User ID (PF index number) of the Maker.

Please note down the Customer Number with check digit (total 11 digits) on the
Account Opening Form.

22

IV. Checking KYC Score

Menu Navigation: Customer Management Amend Customer Details.
----->Screen\\ SCR:067050 CIF: Change Details.
Field

Input

Customer No.

CIF no.

Option:

4. Identification Details

Click Transmit.
---------->Screen \\SCR: 067100 CIF: Change Identification details.
CIF NO. System populated
Identification Details
Type

Number ID Issue At

Remarks

Expiry Date

Value Function

If the Points field indicates a score of less than 110 get one more ID and choose
from the drop down menu under the column Type, key in the ID number under
Number and type C under Function.
Click Transmit.
Check the score and repeat the action (i.e. get more identification information) in
the subsequent rows until the score is a minimum 110.
As per KYC norms, it should be => 110; otherwise the status of all the accounts
will be STOP.

23

02.02. Creation of Customer: PERSONAL STAFF:

In case of staff, inputs required in the relevant fields are more or less the same
as indicated here in above except for the following fields:
FIELD LABEL
REQUIRED INPUT
4.
Customer 010101:PERSONALType
STAFFSUPERVISING
34.

First ID
Type

Select relevant
option
from the pull
down menu

57.

Segment
Code

0306:PER-DOMSTAFF

REMARKS
Other choices are:
01010201:PERSONAL-STAFF-AWARDCLERICAL
01010202:PERSONAL-STAFF-AWARDSUBORDINATE
Depending upon the proof given e.g.
09:ID CARD OF REPUTED EMPLOYER/
17:SALARY SLIP/
41:ID ACCEPTABLE TO BRANCH MANAGER
etc.

Note: Authorization as also checking KYC Score of the staff members would
require the same steps as is mentioned in the above pages/paras.
02.03. Creation of Customer: CORPORATE
I. Menu access:
Customer Management Create Create Non-Personal Customer
Steps
1
2

Description
Create Non-Personal Customer
Authorization

Screen No
062001
Queue (Refer 14.01)

II.\\SCR:062001 Create Business Customer Wizard

Note:
1.Input is mandatory in aquamarine fields.
2.To navigate from one field to another field please use 'TAB' key or take the
mouse cursor to the appropriate box and click.

24

FIELD
1.
2.

LABEL
Customer Number
Status

REQUIRED INPUT
Nil
000:Active

3.

VIP Code

Yes/No

REMARKS
Grey colored, inactive
Other pull down menu
options
001:Whereabouts
unknown/
002:Deceased/
999:Inactive/
888:Non-customer
Yes for MLA/ MP/
Minister/ IAS Officer/
Prominent persons etc.

9.

Customer Name And

Address
Customer Type
020402:NON
Appropriate choice from
PERSONALthe drop down.
LIMITED
COSPUBLIC
Business Name
Enter name
Of the company/ firm/
society/ trust
Door/ FlatNo.; Buiding/
Type the full address of
Society
the customer against fields
6 to 9
Street/ Road Name/
Block
Locality/ Village/
Tehsil
District

10.

City/ Town

11.

State

Enter the first 3 Use the Search button/

digits of the Pin keyboard. Use drop down
Code
menu. The system cross
checks veracity of the pin
code entered vis--vis the
state name. i.e. we
cannot give 600 as City
Code (for Chennai) and
select the State as
Andhra Pradesh. The
list of cities appearing in
search is incomplete.
Enter state name Use drop down menu

12.

Language:

1: English.

13.

Country

14.

Nationality

15.

Post Code

Enter
country
name
e.g.IN:INDIA
Choose appropriate value
from drop down
25
Enter Pin Code

4.

5.
6.
7.
8.

Means customer details are

stored in English.

FIELD
16.

LABEL
Phone (Home)

17.

Phone
(Business)
Mobile Number
Fax Number
Date of
Establishment

18.
19.
20.
21.

Date of
Commencement

22.

Date of
liquidation
Identification
Details
First ID Type

23.

24.
25.

First ID
Number
ID Issue Date

26.
27.

ID Issued at
ID Remark

28.

Second ID type

29.

Second ID
number

REQUIRED INPUT
REMARKS
Enter
all
available Details against 16 to 19
numbers
are very useful for day to
day operations

Enter
using Use the Date-picker against
DD/MM/YYYY format.
the field and select
yyyy/mm/dd in that order
-do-doRequired in case of a Public
Limited Company as given in
Certificate of commencement
of Business
-doWhen required

Select relevant option

from the pull down
menu

Enter the ID number

Enter in DD/MM/YYYY
format
Enter
Enter, if any
Select relevant option
from the pull down
menu Depending upon
the proof tendered
Enter the ID number

Click Next button

26

Depending upon the proof

given:
31.CERTIFICATE OF
INCORPORATION/
32.ARTICLES OF
ASSOCIATION/
32.MOU/
33.CERTIFICATE OF
COMMENCEMENT OF
BUSINESS/
38.BOARD RESOLUTION etc.
Of the document furnished
Date of Issue of document
Place of issue of ID
Any additional information
about the ID proof
Needed only when first ID
type has KYC score
of less than 110

\\SCR:062001 Create Business Customer Wizard (Part 2)

FIELD
30.
31.
32.
33.

LABEL
Home Branch
Introducer
Relationship
Manager
Customer
Evaluation
Required

34.

Internet
Banking Details
Request for INB

35.

E-Mail/ Mail ID

36.
37.
38.

Cust Type
E mail Address
Internet Banking
Ref. No.
Customer Risk
Domestic Risk
Country Risk
Cross Border Risk
Customer Details
Industry
Classification
Business
Sector
Code
Segment Code
CIS Org. Code
BSR Org.Code
TFN Indicator
Tax PAN
RMPB-ID
Threshold Limit
Apply TDS
NPA-Trade
NPA-Non Trade
Trade Customer

39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.

REQUIRED INPUT REMARKS

Enter CIF No.
No/ Yes

For Non-Personal customers it is

desirable to input Yes to know
the data regarding customers
transactions/ value of
connection later.

Yes/No

Select from drop down the

option according to customers
choice
do

01:Email/02:Mail
Enter

If E-Mail ID is chosen at sr. no.35

The
system
automatically
generates the no.
Please do not change the
default values in fields 39 to 41

Choose appropriate options for

the fields 42 to 46 for proper
compilation of CIS data

No
Enter

Retain the default value

Maximum Rs.10 lac

Yes
Yes

If the party transacts LC/

Guarantee/ Forex import/export
business

27

Click Finish button. The transaction will be submitted to checker for authorization.
A queue reference number is generated. Please note it on the KYC form and send it
to the supervising official. The checker has to now authorize this item.
III. On authorization, an OK message will appear at the bottom with a string of
numbers like:
003

8500001764 -7

03263 002

032630

Number Indicates:
003
Institution (Bank) code for SBI;
8500001765-7 Customer number (7 is the check digit whenever the
customer number is to be entered by the user, it will be a
continuous string of 11 digits without any hyphen and
including the check digit.
03263
Branch code
002
Terminal No. or logical partition in the branch
from which
the transaction was put through
0326302
User ID (PF index number) of the Maker.
Please note down the Customer Number with check digit (total 11 digits) on the
Account Opening Form.
02.04. Setting up a Relationship between different Customers:
Wherever one Customer is related to another customer as a joint account holder,
as an introducer, as a guarantor, as a Director, as a Partner, as a Nominee, etc.
this process needs to be done. Here we are giving an example of how to set up a
relationship between customers, one as an introducer to another (new customer).
Note: If introducers CIF number has already been entered during the CIF
creation of the customer, this step is not required.
I. Menu access:
Customer Management Relationships/ Ownership -------->Relationships
Steps
1

Description
Link CIF as Introducer

Screen No
060440

Authorization

Queue (Refer 14.01)

\\ SCR: 060440 CIF: Relationship Enquiry

FIELD
1.
2.

LABEL
Required Action
Institution

REQUIRED INPUT
Add
3

3.
4.

ID
Entity

5.

Relationship
Required

CIF Number
CUS: Customer
Information Master
0031:
INTRODUCER*

28

REMARKS
Default value,
changed
Of Introducer*

not

to

be

6.
7.
8.
9.

Reference No.
Sub Reference No.
Display
Relation Type

No inputs required in these

fields for the Action selected
Add in field 1

*For Setting up of Group Menu in case of companies belonging to a group the

inputs in the fields enumerated as 3 & 5 above are CIF no. of the Customer &
0041:GROUP COMPANY respectively.
Click Transmit
II. Another screen appears as follows:
\\ SCR: 060442 CIF: Relationship Link
FIELD
1.

LABEL
Institution

REQUIRED INPUT
3

2.
3.

Entity 1
Entity Type

4.
5.

Institution
Entity 2

CIF Number
CUS: Customer
Information Master
3
CIF Number

6.

Entity Type

7.
8.

Relationship
Code
Percentage

9.
10.
11.
12.
13.
14.
15.
16.
17.
18.

Value
Reference No.
Sub Reference No.
Start Date
End Date
Action Date
Entity 1 Group
Entity 2 Group
Status
Remarks

CUS: Customer
Information Master
0031: INTRODUCER
Blank

REMARKS
Default value,
changed
do
do

not

to

be

do
Of the customer being
introduced*
Default value, not to be changed
Usable for Securities/
Guarantors to accounts/
Customers to Joint accounts
Inapplicable fields for the
present function; to be left
blank
* For Setting up of Group of
companies belonging to a group
the input in the field 5 above is
CIF no. of the 2nd /3rd group
company etc. In the field
enumerated as 7 here the
default value would be
0041:GROUP COMPANY

Click Transmit. A queue reference no. is generated under which makers

transaction is sent for authorization to the checker.
On authorization of the transaction by the checker an OK Message with a 12-digit
Relationship Reference Number appears; note it on the account opening form for
future reference.

29

02.05. Customer Modifications:

Pre-Condition: Existence of Customer Number (CIF)
Steps
1
2

Description
Amend Customer Details
Authorization

Screen No
067050
Queue (Refer 14.01)

I. Menu access:
Customer Management Amend Customer Details
\\SCR: 067050 CIF: Change Details opens.
FIELD
1
2

LABEL
Customer
No.
Option

REQUIRED INPUT
CIF No.

REMARKS
Of the customer whose details
are sought to be amended
Selected Drop Down option Click: Transmit & add/amend
details in the relevant screen
below
1:Customer Details
SCR:067000CIF:Amend
Customer
2:Temporary
Customer SCR:067010CIF:Create/
Address Details
Amend/ Delete Temporary
Customer Address Details.
Useful for setting up
temporary correspondence
address
3:Foreign Address Details
SCR:
4:Identification Details
Refer IV: Checking KYC Score
here in above
5:Personal Details
SCR:067101CIF:Create/Amend
Customer Personal Details
including customers
occupation & employer etc.
6:Business Details
SCR:067102CIF: Create/ Amend
Customer Business Details
including company/firm
regn.no; proprietor/director
name; contact details etc. N.A.
for individual customers
7:Marketing Details
SCR:067103CIF:Create/
Maintain Customer Marketing
Details. Indicates marketing
efforts whereby customer has
been booked

30

8:Financial Details

9:Miscellaneous Details

11:Customer CISLA Details

SCR:067001CIF:Personal
Income/Expense Details. Helps
in ascertaining the net worth
by capturing customers Assets
& Liabilities. Mandatory for a
guarantor.
SCR:067108Create/Amend
Miscellaneous Det. Helps
capture email address and
provide/change channel access
SCR:069452 CIF:Customer
CISLA DETAIL. Useful for
capturing CISLA data

Click Transmit. May be submitted to checker for authorization depending upon

the capability level of the maker
02.06. Customer Enquiries:
I. Search by CIF Number:
Menu Access: Customer Management Enquiries Search by CIF Number
Pre-Condition: Existence of Customer Number (CIF) / Account Number
Steps
1

Description
Enquiring Customer (by CIF No.)

Screen No
060450

This enquiry is useful to get all accounts of one customer. Even though the menu
description is Search by CIF number, Account number of the customer is also
usable for search.
\\SCR: 060450 CIF: Account Enquiry opens.
Key in Customer Number (CIF) / Account Number and Transmit
\\SCR: 060451:Account Details appears as shown below:

31

Click Active Accounts (tabbed option)

All accounts of the given customer are displayed, as shown below:

32

To get more information about any particular account, click (select) the Account
Number and go for Short/ Long / Transaction/ Customer Limit enquiry options as
the need be.
II.Search by ID Number:
Menu Access: Customer Management Enquiries Search by ID Number
Pre-Condition: ID No. and ID type are known.
Steps
1

Description
Enquiring Customer (by ID No.)

Screen No
060465

\\SCR: 060465 CIF: Enquiry by ID Number opens.

Key in the correct Identity No. and select relevant ID type from the dropdown
and Transmit
Customer Name, Customer number, Date of Birth, Marital Status, Sex and
Profession of the customer will be displayed on the screen.
III. Search By Name: This enquiry is useful to get Customer Number using
customer name.
Pre-Condition: Last name of the Personal customer or name of the Non-Personal
customer should be known.
Menu Access:
Customer Management Enquiries Search by Name or
Click Fourth icon from the left on the Icon Bar or
Click Search button against the field requiring input of Customer no. or Account No.
33

\\SCR:064080 CIF: Name and Address EnquiryWeb Page Dialog box opens

Key in the correct Last Name/name (Mandatory Field) as the case may be and give
branch code (default value for Home Branch) and other known details to narrow
your search for specific results.
Click Search.
CIF Number, Name, Address Type, Address are displayed in the same screen.
Select (clicking) a CIF number & click Return CIF No. and Close button for
populating the field from where search button was activated (clicked).
Double click on the CIF number opens\\SCR: 060451:Account Details which helps
in knowing all accounts of a particular customer as given in Search by CIF number.
IV. Search By Maturity Date: This enquiry is useful to get list of fixed deposit
accounts maturing on a particular date or during a certain period.
Menu Access:
Customer Management Enquiries Search by Maturity date
\\ SCR: 067072 CIF: Account search by Maturity Date opens.

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Key in the Start Maturity Date and End Maturity Date.

Click Search button
Branch Code, System, Product, Customer number, Account No.,Currency,
Maturity Date, Interest Rate, Balance will be displayed on the Screen.
V. Extensive Name Search: This enquiry is useful to get CIF number using wild
cards.
Menu Access:
Customer Management Enquiries Extensive Name Search
\\SCR: 069030 CIF: Extensive Customer Search opens.

Input the available data of the customer.

Click Search.
CIF Number, Customer Name, Branch Number, Date of birth of customer is
displayed.
Note: Presently this mode of search gives the error message: 899:TXN DISABLED
FOR TECHNICAL REASONS

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02.07. Associated Accounts:

Steps
1

Description
Enquiring associated Accounts

Screen No
060460

Menu Access:
Customer Management Relationships/Ownership Associated accounts
This enquiry is useful in getting Linked accounts, Owned accounts, Marketing Data,
Account Holders, Guarantor accounts, all accounts, customer details and financial
details of a customer.
\\SCR: 060460 CIF: Associated Accounts Enquiry opens.

Input CIF/Account Number and Option: Select from the dropdown.

Brief description of the options is given below:
Option
Displays
0: Linked Accounts
All linked accounts of a customer
2: Own Accounts
All Owned accounts of a customer
4: Marketing Data
Marketing Channel for the customer
5: Account Holder
All Holders of an account
6:Guarantor
Guarantors of an account
Accounts
7: Treasury
Disabled
9: All Accounts
All accounts of a customer
A: Customer Details
Details of customer
B: Financial Details
Financial details of a customer
C: Internet Banking
Internet banking accounts of a customer
account
T: Tax File Number
Disabled; not used by our Bank
Click Transmit.
Depending upon the option chosen various details are shown e.g. CIF Number,
Customer Name, Account no.(s), ID No., Product No., Account Limit, Total Limit,
Currency, Status of Accounts, Account Balance, Total Balance and other customer
details etc.

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02.08. Customer Evaluation:

This functionality is basically intended for:

1. Corporate customers.
2. Measuring the business transacted by a customer with the Bank
3. Measuring the revenue accrued to the Bank from the customer.
4. Group / MIS/ Value of connection to Bank;

It takes into consideration accounts from various branches.

An Evaluation Required Flag is to be defined at Customer Level. This is

to be spread to account level. Set the Evaluation Flag to Yes.

During Take-On, this flag will be set to N.

Accumulators have been defined to capture the required information at

account level; These accumulators are updated either Online or during EOD.

The average Dr/ Cr Bal for Dr/ Cr product will be reckoned only from date the
Flag has been set to Y.
The following information needs to be consolidated for a Customer to measure the
corporate customers value to the Bank:

Credits and Debits

Interest Earned/ Paid
Non-Interest Income: (1) Commission (2) Charges (3) Exchange.
FOREX Business
Government Business
Non-fund Based Liabilities

In B@ncs24, Accumulators/ Totals have been defined for:

Debits/ Credits
Debit/ Credit Balance Product
Dr/ Cr Interest Accrued
Dr/ Cr Interest Capitalized
Peak Dr/ Cr Balance
DD/ BC Issued
DD/BC Commission

Forex Sales
Forex Purchases
Government Business
Non-system
generated
Income:
(Commission, Charges, Exchange)
Non-fund Based (contingent) Liability

Accumulators/ Totals are defined for every month of a Financial Year.

Enabling Customer Evaluation:
For Existing accounts:
Menu Access: Customer Management Amend Customer Details.
\\SCR: 067050 CIF: Change Details opens
Field Label

Required Input
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Customer Number CIF No.

Option
1: Customer details from the Drop down menu
Click Transmit.
\\SCR:067000CIF:Amend Customer appears
Field
Required Choice
Customer Evaluation Yes.
Click Transmit.
A message Your Transaction has been sent for authorisation to queue: 770
Queue Reference: 137580 appears.
After authorisation by the checker O.K. message appears.
Enquiring Customer Evaluation
Menu Access: Customer Management Enquiries Customer Evaluation
Enquiry.
\\ SCR: 069062 CIF: Customer Evaluation Enquiry Prompt appears

Field
Customer No.
Financial Year 1.

Required Input
CIF NO.
Relevant Year

Click Transmit to get the details.

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Notes:
1.A description of how to use the facility is available on the Screen itself.
2.i) To compare the figures of 2 financial years, key in the 2nd Financial Year also.
ii) It can also be used to compare the figures of 2 months in various financial
years.
iii) One of the Options given below can be picked up for knowing the value of
relationship to the Bank. A: Account-wise, C: Customer-wise, G: Group-wise.
A Group can be set up by using the Linking feature. Screen SCR: 69064: for a
particular account for both Financial Years.
21 accumulators can be compared. All 21 parameters will be shown.
If Group-wise details are required, please go for Ad hoc report.

How to open an account for a customer having account in any other centre?
The same account number may be used to open an account at the other centre.
Then change the Correspondence address details through menu navigation
Deposits/CC/OD Accounts & Services Amend Deposit/CC/OD Account
Put newly opened account number
Select Correspondence Address Details as option
Enter the new correspondence address for the customer.

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