Operational Aspects of CBS Environment (V2)
Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Principles and Practices of Banking — JAIIB.
One-liners from this chapter
Free sample — 8 of 51 rapid-fire Q&A cards.
A — Functional Head / What CBS Does?
Functional Head: Customer & Account Maintenance; What CBS Does: Open / close / modify CASA, term-deposit, loan and office accounts; KYC linkage; CRM activities.
B — Functional Head / What CBS Does?
Functional Head: Transaction Processing; What CBS Does: Cash deposits / withdrawals; inward & outward clearing; transfer entries; online and history transactions.
C — Functional Head / What CBS Does?
Functional Head: Income / Expense Engine; What CBS Does: Interest calculation on advances & deposits; service charges; minimum-balance charges; cheque-book charges.
D — Functional Head / What CBS Does?
Functional Head: Asset Quality & Provisioning; What CBS Does: Automatic asset classification (Standard / SMA-0 / SMA-1 / SMA-2 / Sub-standard / Doubtful / Loss); Income recognition under IRAC norms; NPA management & provisioning.
E — Functional Head / What CBS Does?
Functional Head: Interfaces & MIS; What CBS Does: Interfaces with payment systems (UPI, NEFT, RTGS, IMPS, AePS), regulators, third-party service providers, alternate delivery channels (ATM, internet, mobile); generation of multi-currency Balance Sheet, P&L, RBI returns and exception reports.
Cash — What Triggers It / Typical Voucher?
What Triggers It: Physical cash deposit / withdrawal at the branch counter or BNA / cash-recycler.; Typical Voucher: Cash receipt / Cash payment voucher.
Clearing — What Triggers It / Typical Voucher?
What Triggers It: Inward / Outward clearing of cheques through CTS-Grid.; Typical Voucher: Clearing voucher (CR / DR).
Transfer — What Triggers It / Typical Voucher?
What Triggers It: Account-to-account debit-credit within the same bank.; Typical Voucher: Transfer voucher.
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