mtaf
TRANSCRIPT
Monitoring – Tracking –Assessment - FilingOf
RBI Returns Compliance(MTAF)
OM CYBERTECH SOLUTIONS
RBI Returns are statutory
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Objective:
1. Self regulation by sensitizing Sr. Management
2. Focussing on:
a. Asset quality – OSS1 & ALM
b. NPA monitoring – Individual & Group level – OSS3, OSS4
c. Bank’s financial performance – OSS7 & OSS8
d. Priority sector & Non priority sector advances – OSS5
e. Optimize expenses - OSS2
f. Compliance to RBI’s requirement on CRR & SLR
3. Implement ADF approach
Current challenges
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1. Input to create reports manually - GL, PL, BS, Investment - SLR & Non SLR
2. Manual computation of Report items using above input
3. Errors in data computation & it could be long term – dependency on few individuals
4. Necessary to validate GL entries e.g. TD, SLR / Non SLR investments
5. Manual Debugging is possible at GL level, very difficult at A/C level
6. Difficult to track NPA at A/C level for Substandard/D1/D2/D3
7. Some time CRR / SLR deposits are more than required – Loss to bank
8. Last minute receipt of Reports to CEO, Compliance Head
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Extract data from MIS DB
Review, modify and / approve RBI returns
Generate encrypted RBI returns output file in RBI UBD, Pdf,
Excel
3 mouse click solution For
e-Filing of RBI returns.
Product block diagram
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Compliance calendar based auto alert generation
Web based management dashboard
Current status of all returns Compliance violations if anyCRAR, CRR, SLR, Cost of
deposits, Cost of advances, CD ratio, NP position
ETL - Extract data from CBS/
MIS DB
Web Based RBI returns
Forms & ReportsUpload returns to
RBI Portal
Why Bank should deploy MTAF
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1. Compliance to RBI approach for ADF
2. Substantial increase in monitoring and management control
3. Significant reduction in manual data computation
4. Remove dependency on few individuals
5. Access security
6. Financial saving could be in the range of Crores due to
optimized CRR / SLR and NPA tracking
Key advantages
1. Entire year’s RBI returns filing could be done by a single person.
2. On demand provide financial and operational performance data
to CEO, board of directors and authorized senior officials
3. Provide NPA list
4. Provide Asset Quality details on demand
5. Online approval workflow for the returns file
6. Compliance calendar based alerts / reminder generation to
reduce non-compliance on filing returns 7
Key advantages
7. ETL tool based user controlled data extraction from core banking
system or MIS database
8. Display compliance status and operation parameters providing
increased management control
9. Web based forms, enabling on-line form status view and editing
10. Form reports are generated in RBI UBD, Pdf and Excel formats
11. All the forms and reports are archived for storage & review
12. Banks do not have to buy any third party S/W licenses 8
Technology Used
1. Java 2. Hibernate3. MySql / Maria DB4. Google Web Tool Kit ( GWT)5. Apache Tomcat
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Coverage of RBI Returns
1. ALM ( Interest rate sensitivity, Structural liquidity)
2. OSS ( OSS-I, OSS-II, OSS-III, OSS-IV, OSS-V, OSS-VI, OSS-VII, OSS-
VIII)
3. Returns ( CRR-SLR, Form I, Form IX, Monetary aggregates)
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Sample screen - 1
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Sample screen -2
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Sample screen - 3
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Sample screen - 4
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