NH BANK

NH Bank System
Requirements
Specification- ADF Reports
Velocis

©2022 NH Bank. All Rights Reserved Page 1 of 138

 VERSION CONTROL

Prepared by: Neha Yadav

Date: 24-07-2023
Reviewed by: Parvesh Kumar
Date: 10-08-2023
Approved by: Parvesh Kumar
Date: 10-08-2023

Version History
Date Version Author Description
Aug 10, 2023 0.1 Neha Yadav Draft

©2022 NH Bank. All Rights Reserved Page 2 of 138

Table of Contents
5
1 Executive Summary 12
1.1 Objective 12
1.2 Overview 12
1.3 Definition, Acronyms and Abbreviations 12
1.4 Data Flow Diagram 13
1.5 ADF Reports 13
1.6 Business Module -As and When 19
1.6.1 Use Case Scenario1- Reporting User should should login in the Reporting System 19
1.6.1.1 Use Case Diagram: 19
1.6.1.2 Actor and Actions 19
1.6.1.3 Business Requirement 19
1.6.1.4 Triggering Event 19
1.6.1.5 User Interaction 19
1.6.1.6 Property sheet 20
1.6.1.7 Business Rules 20
1.6.1.8 Sample Format 20
1.6.2 Use Case Scenario2- Reporting user should open the ADF Returns User Interface to generate the As and
When Reports. 20
1.6.2.1 Use Case Diagram: 20
1.6.2.2 Actor and Actions 20
1.6.2.3 Business Requirement 20
1.6.2.4 Triggering Event 21
1.6.2.5 User Interaction 21
1.6.2.6 Property sheet 22
1.6.2.7 Business Rules 22
1.6.2.8 Sample Format 22
1.6.3 Use Case Scenario3- Reporting User should able to apply the date filters in the UI to view report 22
1.6.3.1 Use Case Diagram: 23
1.6.3.2 Actor and Actions 23
1.6.3.3 Business Requirement 23
1.6.3.4 Triggering Event 23
1.6.3.5 User Interaction 23
1.6.3.6 Property sheet 23
1.6.3.7 Business Rules 23
1.7 Business Module -Daily Reports 24
1.7.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User 24
1.7.1.1 Use Case Diagram: 24
1.7.1.2 Actor and Actions 24

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 1.7.1.3 Business Requirement 24
1.7.1.4 Triggering Event 25
1.7.1.5 User Interaction 25
1.7.1.6 Property sheet 25
1.7.1.7 Business Rules 25
1.7.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and store in its local
database. 25
1.7.2.1 Use Case Diagram: 25
1.7.2.2 Actor and Actions 25
1.7.2.3 Business Requirement 26
1.7.2.4 Triggering Event 26
1.7.2.5 User Interaction 26
1.7.2.6 Property sheet 26
1.7.2.7 Business Rules 26
1.7.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with its
login credentials 26
1.7.3.1 Use Case Diagram: 26
1.7.3.2 Actor and Actions 26
1.7.3.3 Business Requirement 26
1.7.3.4 Triggering Event 27
1.7.3.5 User Interaction 27
1.7.3.6 Property sheet 27
1.7.3.7 Business Rules 27
1.7.3.8 Sample Format 27
1.7.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to generate the Daily
Reports. 27
1.7.4.1 Use Case Diagram: 27
1.7.4.2 Actor and Actions 27
1.7.4.3 Business Requirement 27
1.7.4.4 Triggering Event 29
1.7.4.5 User Interaction 29
1.7.4.6 Property sheet 29
1.7.4.7 Business Rules 30
1.7.4.8 Sample Format 30
1.7.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view report 31
1.7.5.1 Use Case Diagram: 31
1.7.5.2 Actor and Actions 31
1.7.5.3 Business Requirement 32
1.7.5.4 Triggering Event 32
1.7.5.5 User Interaction 32
1.7.5.6 Property sheet 32
1.7.5.7 Business Rules 32
1.8 Business Module -Weekly Reports 32
1.8.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User 33

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 1.8.1.1 Use Case Diagram: 33
1.8.1.2 Actor and Actions 33
1.8.1.3 Business Requirement 33
1.8.1.4 Triggering Event 33
1.8.1.5 User Interaction 33
1.8.1.6 Property sheet 33
1.8.1.7 Business Rules 33
1.8.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and store in its local
database. 33
1.8.2.1 Use Case Diagram: 34
1.8.2.2 Actor and Actions 34
1.8.2.3 Business Requirement 34
1.8.2.4 Triggering Event 34
1.8.2.5 User Interaction 34
1.8.2.6 Property sheet 34
1.8.2.7 Business Rules 34
1.8.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with its
login credentials 35
1.8.3.1 Use Case Diagram: 35
1.8.3.2 Actor and Actions 35
1.8.3.3 Business Requirement 35
1.8.3.4 Triggering Event 35
1.8.3.5 User Interaction 35
1.8.3.6 Property sheet 35
1.8.3.7 Business Rules 35
1.8.3.8 Sample Format 35
1.8.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to generate the Weekly
Reports. 36
1.8.4.1 Use Case Diagram: 36
1.8.4.2 Actor and Actions 36
1.8.4.3 Business Requirement 36
1.8.4.4 Triggering Event 37
1.8.4.5 User Interaction 37
1.8.4.6 Property sheet 37
1.8.4.7 Business Rules 37
1.8.4.8 Sample Format 37
1.8.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view report 37
1.8.5.1 Use Case Diagram: 38
1.8.5.2 Actor and Actions 38
1.8.5.3 Business Requirement 38
1.8.5.4 Triggering Event 38
1.8.5.5 User Interaction 38
1.8.5.6 Property sheet 38
1.8.5.7 Business Rules 38
1.9 Business Module -Fortnightly Reports 39

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 1.9.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User 39
1.9.1.1 Use Case Diagram: 39
1.9.1.2 Actor and Actions 39
1.9.1.3 Business Requirement 39
1.9.1.4 Triggering Event 40
1.9.1.5 User Interaction 40
1.9.1.6 Property sheet 40
1.9.1.7 Business Rules 40
1.9.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and store in its local
database. 40
1.9.2.1 Use Case Diagram: 40
1.9.2.2 Actor and Actions 40
1.9.2.3 Business Requirement 41
1.9.2.4 Triggering Event 41
1.9.2.5 User Interaction 41
1.9.2.6 Property sheet 41
1.9.2.7 Business Rules 41
1.9.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with its
login credentials 41
1.9.3.1 Use Case Diagram: 41
1.9.3.2 Actor and Actions 41
1.9.3.3 Business Requirement 41
1.9.3.4 Triggering Event 41
1.9.3.5 User Interaction 42
1.9.3.6 Property sheet 42
1.9.3.7 Business Rules 42
1.9.3.8 Sample Format 42
1.9.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to generate the
Fortnightly Reports. 42
1.9.4.1 Use Case Diagram: 42
1.9.4.2 Actor and Actions 42
1.9.4.3 Business Requirement 42
1.9.4.4 Triggering Event 44
1.9.4.5 User Interaction 44
1.9.4.6 Property sheet 44
1.9.4.7 Business Rules 44
1.9.4.8 Sample Format 44
1.9.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view report 45
1.9.5.1 Use Case Diagram: 46
1.9.5.2 Actor and Actions 46
1.9.5.3 Business Requirement 46
1.9.5.4 Triggering Event 46
1.9.5.5 User Interaction 46
1.9.5.6 Property sheet 46
1.9.5.7 Business Rules 46
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 1.10 Business Module -Monthly Reports 47
1.10.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User 47
1.10.1.1 Use Case Diagram: 47
1.10.1.2 Actor and Actions 47
1.10.1.3 Business Requirement 47
1.10.1.4 Triggering Event 48
1.10.1.5 User Interaction 48
1.10.1.6 Property sheet 48
1.10.1.7 Business Rules 48
1.10.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and store in its
local database. 48
1.10.2.1 Use Case Diagram: 48
1.10.2.2 Actor and Actions 48
1.10.2.3 Business Requirement 49
1.10.2.4 Triggering Event 49
1.10.2.5 User Interaction 49
1.10.2.6 Property sheet 49
1.10.2.7 Business Rules 49
1.10.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with its
login credentials 49
1.10.3.1 Use Case Diagram: 49
1.10.3.2 Actor and Actions 49
1.10.3.3 Business Requirement 49
1.10.3.4 Triggering Event 49
1.10.3.5 User Interaction 50
1.10.3.6 Property sheet 50
1.10.3.7 Business Rules 50
1.10.3.8 Sample Format 50
1.10.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to generate the
Monthly Reports. 50
1.10.4.1 Use Case Diagram: 50
1.10.4.2 Actor and Actions 50
1.10.4.3 Business Requirement 50
1.10.4.4 Triggering Event 56
1.10.4.5 User Interaction 56
1.10.4.6 Property sheet 56
1.10.4.7 Business Rules 56
1.10.4.8 Sample Format 56
1.10.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view report 61
1.10.5.1 Use Case Diagram: 61
1.10.5.2 Actor and Actions 61
1.10.5.3 Business Requirement 61
1.10.5.4 Triggering Event 61
1.10.5.5 User Interaction 62
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 1.10.5.6 Property sheet 62
1.10.5.7 Business Rules 62
1.11 Business Module -Quarterly Reports 62
1.11.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User 62
1.11.1.1 Use Case Diagram: 63
1.11.1.2 Actor and Actions 63
1.11.1.3 Business Requirement 63
1.11.1.4 Triggering Event 63
1.11.1.5 User Interaction 63
1.11.1.6 Property sheet 63
1.11.1.7 Business Rules 63
1.11.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and store in its
local database. 63
1.11.2.1 Use Case Diagram: 64
1.11.2.2 Actor and Actions 64
1.11.2.3 Business Requirement 64
1.11.2.4 Triggering Event 64
1.11.2.5 User Interaction 64
1.11.2.6 Property sheet 64
1.11.2.7 Business Rules 64
1.11.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with its
login credentials 65
1.11.3.1 Use Case Diagram: 65
1.11.3.2 Actor and Actions 65
1.11.3.3 Business Requirement 65
1.11.3.4 Triggering Event 65
1.11.3.5 User Interaction 65
1.11.3.6 Property sheet 65
1.11.3.7 Business Rules 65
1.11.3.8 Sample Format 65
1.11.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to generate the
Quarterly Reports. 66
1.11.4.1 Use Case Diagram: 66
1.11.4.2 Actor and Actions 66
1.11.4.3 Business Requirement 66
1.11.4.4 Triggering Event 73
1.11.4.5 User Interaction 73
1.11.4.6 Property sheet 73
1.11.4.7 Business Rules 73
1.11.4.8 Sample Format 73
1.11.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view report 79
1.11.5.1 Use Case Diagram: 79
1.11.5.2 Actor and Actions 79
1.11.5.3 Business Requirement 79
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 1.11.5.4 Triggering Event 79
1.11.5.5 User Interaction 80
1.11.5.6 Property sheet 80
1.11.5.7 Business Rules 80
1.12 Business Module -Half-yearly Reports 80
1.12.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User 80
1.12.1.1 Use Case Diagram: 81
1.12.1.2 Actor and Actions 81
1.12.1.3 Business Requirement 81
1.12.1.4 Triggering Event 81
1.12.1.5 User Interaction 81
1.12.1.6 Property sheet 81
1.12.1.7 Business Rules 81
1.12.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and store in its
local database. 82
1.12.2.1 Use Case Diagram: 82
1.12.2.2 Actor and Actions 82
1.12.2.3 Business Requirement 82
1.12.2.4 Triggering Event 82
1.12.2.5 User Interaction 82
1.12.2.6 Property sheet 82
1.12.2.7 Business Rules 83
1.12.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with its
login credentials 83
1.12.3.1 Use Case Diagram: 83
1.12.3.2 Actor and Actions 83
1.12.3.3 Business Requirement 83
1.12.3.4 Triggering Event 83
1.12.3.5 User Interaction 83
1.12.3.6 Property sheet 83
1.12.3.7 Business Rules 83
1.12.3.8 Sample Format 83
1.12.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to generate the Half-
yearly Reports. 84
1.12.4.1 Use Case Diagram: 84
1.12.4.2 Actor and Actions 84
1.12.4.3 Business Requirement 84
1.12.4.4 Triggering Event 86
1.12.4.5 User Interaction 86
1.12.4.6 Property sheet 86
1.12.4.7 Business Rules 86
1.12.4.8 Sample Format 86
1.12.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view report 87
1.12.5.1 Use Case Diagram: 87
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 1.12.5.2 Actor and Actions 88
1.12.5.3 Business Requirement 88
1.12.5.4 Triggering Event 88
1.12.5.5 User Interaction 88
1.12.5.6 Property sheet 88
1.12.5.7 Business Rules 88
1.13 Business Module -Yearly Reports 89
1.13.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User 89
1.13.1.1 Use Case Diagram: 89
1.13.1.2 Actor and Actions 89
1.13.1.3 Business Requirement 89
1.13.1.4 Triggering Event 90
1.13.1.5 User Interaction 90
1.13.1.6 Property sheet 90
1.13.1.7 Business Rules 90
1.13.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and store in its
local database. 90
1.13.2.1 Use Case Diagram: 90
1.13.2.2 Actor and Actions 90
1.13.2.3 Business Requirement 91
1.13.2.4 Triggering Event 91
1.13.2.5 User Interaction 91
1.13.2.6 Property sheet 91
1.13.2.7 Business Rules 91
1.13.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with its
login credentials 91
1.13.3.1 Use Case Diagram: 91
1.13.3.2 Actor and Actions 91
1.13.3.3 Business Requirement 91
1.13.3.4 Triggering Event 91
1.13.3.5 User Interaction 92
1.13.3.6 Property sheet 92
1.13.3.7 Business Rules 92
1.13.3.8 Sample Format 92
1.13.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to generate the Yearly
Reports. 92
1.13.4.1 Use Case Diagram: 92
1.13.4.2 Actor and Actions 92
1.13.4.3 Business Requirement 92
1.13.4.4 Triggering Event 95
1.13.4.5 User Interaction 95
1.13.4.6 Property sheet 95
1.13.4.7 Business Rules 95
1.13.4.8 Sample Format 96
1.13.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view report 98
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 1.13.5.1 Use Case Diagram: 98
1.13.5.2 Actor and Actions 98
1.13.5.3 Business Requirement 98
1.13.5.4 Triggering Event 98
1.13.5.5 User Interaction 98
1.13.5.6 Property sheet 98
1.13.5.7 Business Rules 99
1.14 Reference Document 99
2 Miscellaneous 100
2.1 Non Functional Requirement 100
2.2 Pre-Requisite 100
2.3 Assumptions 100
2.4 Dependencies 100
2.5 Appendix 100
2.6 Minutes of Meeting 100
2.7 Review Log 100
2.8 References 100
3 Issues 101
3.1 Open Issues 101
3.2 Closed Issues 101
4 CR Log 102
5 Sign Off 103
5.1 Acceptance Criteria of SRS 103
5.2 Document Sign Off 103
6 Glossary 104

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1 Executive Summary
1.1 Objective
The purpose of the document is to detail the requirements related to NH Bank. This has been done through
 Discussions with NH Bank stakeholders
 Walk-through
SRS document includes
 Detailed overview of the proposed application
 Work flow
 User interface
 Business requirement
 Attribute Identification
This document should now become the basis for the detailed design, development of application and the
deployment thereof.
Any changes to this document once signed off should be controlled through change request process .

1.2 Overview

Nonghyup Bank has been introduced with the commercial business which includes the design and development of
the ADF Reporting System and the reports which should be in scope are categorized as:-

1.As and When

2.Daily
3.Weekly
4.Fortnightly
5.Monthly
6.Quarterly
7.Half Yearly
8.Yearly

This document will elaborate the requirements of reports which should be created by the middleware Reporting
System and can be accessed by Reporting User.

1.3 Definition, Acronyms and Abbreviations

Acronym Description
NH Nonghyup Bank
SRS System Requirement Specification
NA Not Applicable
ADF Automated Data Flow
GBS Core Banking System
SOW Scope of Work
SFMS Structured Financial Messaging Solution
M/O Mandatory/Optional
MID Middleware
©2022 NH Bank. All Rights Reserved Page 12 of 138
 SFTP Secure File Transfer Protocol
XBRL Extensible Business Reporting Language

1.4 Data Flow Diagram

Workflow of Reports

1)GBS should provide data to middleware in form of batch file at SFTP location.
2)Middleware should run the cron job to read the batch file and store in its local oracle database.
3)A Reporting Engine at Middleware will make the required data for the Reports.
4)Reports should be viewed and downloaded from the User Interface of the Middleware.

1.5 ADF Reports

ADF Reporting Module should be implemented in the Middleware which extract the data from the GBS (GBS should
finalize the mode)/Take input from business user over the set of Master Interface and combine the data into the
meaningful reports required by the NH Bank to follow the RBI guidelines.Below type of reports should be
generated by the middleware User interface by the Reporting User.

RBI Returns/ADF Reports:

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These are total 114 Reports which should be be applicable to NH Bank .

A. As and When(5)

1. - Red Flagged Account/Fraud Borrowers Return (RFA/Fraud)

2. - Proforma
3. - RMC-F
4. - Details of Online Payment Gateway Service Providers (OPGSP) arrangements
5. -FMR-1

B. Daily (9)

6. -Form ECB
7. -List of equity and convertible debentures (LECFII)
8. -Report on issue of Subordinated Debt, raising of Upper Tier II Capital, Perpetual Debts and Equity Capital
(Qualified Institutional Placements-QIP, Preferential issue to Promoters, GDR issue) together with copy of
document
9. - Payment of dividend
10. -Foreign Exchange Turnover (FTD)
11. -Gaps, Position, and Cash Balances (GPB)
12. -Liberalised Remittance Scheme
13. -MCLR (Marginal Cost of funds based Lending Rate) Return (MPD07)
14. -Currency Chest Transactions

C. Weekly(2)
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 15. -FII Weekly
16. -FCY-Rupee Option Transactions

D. Fortnightly(7)
17. -FETERS (R-return)
18. -BAL statement
19. -Form-A (Sec.42, RBI Act, 1934)
20. -Holding of Foreign Currencies
21. -Liquidity Return (LR)
22. -Special Fortnightly Return-II/MPD003
23. -Supplementary return on daily SLR/MPD004

E. Monthly(29)

24. - Form TC
25. - Yen holdings of Government of India
26. - Cards Statistics
27. -PPI Statistics
28. -Mobile Banking Transactions
29. -NRD-CSR
30. -Banking service price index
31. -Data on facilities to NRI / PIOS foreign nationals - liberalization
32. Details of remittances made by NRO account
33. Liberalised Remittance Scheme
34. FIP Progress
35. Form VIII (Sec. 24 of the BR Act, 1949)
36. Form-X – statement of assets and liabilities
37. Monthly Return on Aggregate Resources Raised
38. Statement showing details of counterfeit bank notes detected by the branch during the month
39. Outstanding Foreign Currency Borrowings (OFCB)
40. Return on Asset Liability and Off-Balance Sheet Exposures (ALE)
41. Return on Asset Quality (RAQ)
42. Return on Interest Rate Sensitivity- (IRS)- Traditional Gap & Duration Gap
43. Central Repository of Information on Large Credits (CRILC) – Main
44. Basel Liquidity Returns (BLR)
45. Form I
46. Form II
47. Cross-border remittances arising out of Rupee interest rate derivatives transactions undertaken by non-
residents
48. Interest Rate Return (erstwhile SMR VIAB) (MPD06)
49. Sector-wise and industry-wise deployment of bank credit (SIBC)/MPD002
50. FETERS – Cards Return
51. Monthly Return on information related to Stressed MSME Sub-ordinate Debt Scheme

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 52. Natural Calamity Relief Measures

F. Quaterly(38)

53. -ATM deployment

54. PPI customer grievances
55. Basic Statistical Return - 1 (BSR1)
56. IBS return
57. CPIS - Survey Schedule
58. Remittances under RDA (E-statement)
59. Issuance of guarantee for Trade Credit
60. LO/BO/PO
61. KCC
62. DAY-NRLM
63. Priority Sector Advances–Quarterly
64. DAY-NULM Progress
65. G-Sec ownership pattern
66. RBI note refund rules - statement of defective notes adjudicated at all bank branches
67. FNVC to submit status report covering certain important aspects of the functions required to be
undertaken by it.
68. Exposure in Foreign Exchange and Amount of Exposure Hedged
69. Suspicious Transactions undertaken by Non-Resident Importer/Exporter
70. Return on Capital Adequacy-III (RCA - III)
71. Return on Operating Results (ROR)
72. Risk Based Supervision Return (RBS)
73. Return on Large Credits (RLC)
74. Return on Asset Liability and Off-Balance Sheet Exposures (ALO)
75. Return on Large Exposures (RLE)
76. Return on Country Exposures and Maturity (CEM)
77. Return on Profitability (ROP)
78. Leverage Ratio (Leverage)
79. FMR–3
80. FMR-4
81. Financial Soundness Indicators (FSI)
82. Report of Commodity Hedging in Overseas Market (w.e.f April 01, 2018)
83. Return on Connected Exposure (RCE)
84. Large Exposure Framework Return (LEF)
85. Interest Rate Risk Positions for clients
86. FX- Transactions- Retail platform
87. Return on Complaints
88. Monitoring Progress of Financial Inclusion (MPFI)- Quantitative Return (Template-I)
89. Natural Calamity Relief Measures- Quarterly
90. D-QPSA

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G. Half -Yearly(8)

91. - Credit to Minority Community

92. -Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises (MSMEs)
93. -Return on Ownership and Control (ROC)
94. Half-Yearly Review of Investment Portfolio
95. Form III
96. Statement on default in MTT
97. Extension of time in respect of clean credit for import of rough, cut and polished diamonds
98. Advance remittances made for import of rough diamonds without a bank guarantee or standby letter of
credit, where the amount of advance payment is equivalent to or exceeds USD 5,000,000

H. Yearly(16)

99. - Basic Statistical Return - 2 (BSR2)

100. -ITBS - Survey Schedule
101. Priority Sector Advances– Annual
102. DRI Advances
103. Special Return II (Recovery of Direct Agriculture Loan)
104. DAY-NULM Target
105. Form IX (Sec. 26 of the BR Act, 1949)
106. Balance Sheet of SCBs (Sec. 31 of the BR Act, 1949)
107. Certificate regarding continuance of the “fit and proper” status of all major shareholder
108. Format for furnishing addresses etc., particulars of Forged Note Vigilance Cell (FNVC) to RBI
109. List of Offices/Branches of AD Bank Maintaining Rupee Accounts of Non-Resident Banks
110. Balance Sheet Analysis (BSA)
111. Whole Bank Long Form Audit Report and Compliance thereof
112. Annual Certificate
113. Reporting of Long term Advance
114. Monitoring Progress of Financial Inclusion (MPFI)- Qualitative Return (Template-II)

Reporting Format:-There are several reporting platform used in ADF Reporting.The count of the report
dependent on these platforms are listed below:-

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 A. ADEPT(2)
B. BoP(3)
C. CISBI(1)
D. CyM System(1)
E. EDSP(14)
F. eKuber(1)
G. eKuber/Hardware(1)
H. Email(20)
I. Email/Hardcopy(1)
J. FED/Email(1)
K. Hardcopy(17)
L. SMS(2)
M. XBRL II(31)
N. XBRL III(20)

1.6 Business Module -As and When

As and when are the reports applicable to Bank when at any time banks want to report RBI about some
fraud incident/random reportable activities performed at the bank.

©2022 NH Bank. All Rights Reserved Page 18 of 138

 Use Cases

Use Cases
As Per Annex Document Status
E1.B1 – As and When Reports
E1.B1.1 Reporting User should login in the Reporting System In Scope
E1.B1.2 Reporting User should open the ADF Returns User Interface to
In Scope
generate the As and When Reports
E1.B1.3 Reporting User should be able to apply the date filters in the UI
In Scope
to view report

1.6.1 Use Case Scenario1- Reporting User should should login in the Reporting System
1.6.1.1Use Case Diagram:

1.6.1.2Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.6.1.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.6.1.4Triggering Event
When Reporting User access the login page of the Reporting system.
1.6.1.5User Interaction
NA
1.6.1.6Property sheet
NA
1.6.1.7Business Rules
NA

©2022 NH Bank. All Rights Reserved Page 19 of 138

1.6.1.8Sample Format
NA

1.6.2 Use Case Scenario2- Reporting user should open the ADF Returns User Interface to generate the As and
When Reports.
1.6.2.1Use Case Diagram:

1.6.2.2Actor and Actions

Actor Actions
Reporting User View As and When Reports
Generate As and When Reports

1.6.2.3 Business Requirement

1. Reporting User should be able to view the As and When Reports.

1. Reporting User should be able to generate As and When Reports.
2. The below 5 reports should be generated by the As and When section of Reporting System

1.- Report Name-Red Flagged Account/Fraud Borrowers Return (RFA/Fraud):-

This Report is related to an account where a suspicion of fraudulent activity is thrown up by the presence of
one or more EWS. Early Warning Signals: A signal in a loan account that should immediately put the bank on
alert regarding a weakness or wrong doing which may ultimately turn out to be fraudulent. RFA is one where
a suspicion of fraudulent activity is thrown up by the presence of one or more Early Warning Signals (EWS).
These signals in a loan account should immediately put the bank on alert regarding a weakness or wrongdoing
which may ultimately turn out to be fraudulent.

2.- Report Name:Proforma:-

©2022 NH Bank. All Rights Reserved Page 20 of 138

 This is statement for Reporting of Information on Bank Branches, Offices, NAIOs1 (Extension Counters,
Satellite Offices etc.) Customer Service Points (ATMs etc.) opened/closed conversion etc. Consolidated
proforma which has replaced Proforma I and Proforma II

3.- Report Name:RMC-F:-

RMC - F report is for For Authorized Dealers. In RMC - F contains Name of AD, Name & Address of Franchises
and the locations etc. This is a form regarding appointment of Franchises.

4.- Report Name:Details of Online Payment Gateway Service Providers (OPGSP) arrangements:-

The OPGSP report is for the services provided by NIUM as an online payment gateway service provider in
association with an AD Category-1 Bank which (i) enable You to receive Export Payments from Buyers located
in any Approved Jurisdictions; and (ii) facilitate the provision of foreign exchange services, bulk payment.
Reserve Bank of India (RBI) had issued the Processing and settlement of import and export related payments
facilitated by Online Payment Gateway Service Providers ('OPGSP). The OPGSP Services means the services
provided by NIUM as an online payment gateway service provider in association with an AD Category-1 Bank.

5.- Report Name:FMR-1:-

FMR -1 is Report for Actual or suspected Frauds in Banks. Banks are required to send the FMR (Financial
Monitoring Report) returns and data, as prescribed, in soft copy only (except in case of FMR-1 return
pertaining to fraud cases involving amount of ` 1 lakh and above which is required to be submitted both in
hard and soft copies) to RBI, Central Office as well as the concerned Regional Office and Reporting of Frauds to
Reserve Bank of India. Frauds should be submitted in all cases of fraud of Rs. 1 lakh and above perpetrated
through any of the frauds mentioned in the policy for prevention of frauds. Information Officer is responsible
for reporting of frauds to RBI. Reporting of Frauds (FMR-1) report on actual or suspected frauds in banks.

1.6.2.4Triggering Event
When Reporting User open the User Interface of As and When Reports

1.6.2.5User Interaction
NA
1.6.2.6Property sheet
NA
1.6.2.7Business Rules
NA
©2022 NH Bank. All Rights Reserved Page 21 of 138
1.6.2.8Sample Format

Report Report Name Report File Format Report Reporting

Serial Description Attachment Platform
1 Red Flagged Account/Fraud Data on .XLSX XBRL Phase II
Borrowers Return RFA/Fraud
(RFA/Fraud) classified
borrowers in
terms of
framework on
loan frauds
2 Proforma Consolidated .PDF CISBI
proforma which
has replaced
Proforma I and
Proforma II
3 RMC-F Form regarding .PDF Hardcopy
appointment of
franchisees

4 Details of Online Payment Details of Format not Hardcopy

Gateway Service Providers Online prescribed
(OPGSP) arrangements Payment
Gateway
Service
Providers
(OPGSP)
arrangements
5 FMR-1 Report on .XLSX XBRL Phase II
Actual or
Suspected
Frauds in
Banks

1.6.3 Use Case Scenario3- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.6.3.1Use Case Diagram:

©2022 NH Bank. All Rights Reserved Page 22 of 138

1.6.3.2Actor and Actions

Actor Actions
Reporting User Apply date filters

1.6.3.3Business Requirement
1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of As and When reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.6.3.4Triggering Event
When Reporting User open the view page of As and When reports and apply date filters
1.6.3.5User Interaction
NA
1.6.3.6Property sheet
Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

1.6.3.7Business Rules
NA

1.7 Business Module -Daily Reports

Daily Reports are the reports, required by bank to submit to RBI on daily basis.
Use Cases
©2022 NH Bank. All Rights Reserved Page 23 of 138
 Use Cases
As Per Annex Document Status
E1.B1 – Daily Reports
E1.B1.1 GBS should provide data to Reporting System in form of batch file
at SFTP location/Velocis provides sets of master User interface to be filled In Scope
by Business User
E1.B1.2 Reporting System should run the cron job to read the batch file
In Scope
and store in its local database
E1.B1.3 Reporting User should login in the Middleware application User
In Scope
Interface with its login credentials
E1.B1.4 Reporting User should open the ADF Reports User Interface to
In Scope
generate the Daily Reports
E1.B1.5 Reporting User should be able to apply the date filters in the UI
In Scope
to view report

1.7.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User
GBS should provide the data to middleware in form of batch file.The batch file should be kept by GBS at
some SFTP location from where middleware application should be able to read that file or /Velocis
provides sets of master User interface to be filled by Business User on the basis of which Reporting
system generate the 9 reports of daily frequency.
1.7.1.1Use Case Diagram:

1.7.1.2Actor and Actions

Actor Actions
GBS Send Daily ADF data to Reporting System

1.7.1.3Business Requirement
1. GBS should provide data to Velocis Reporting system for generating reports or Velocis provides sets of master
User interface which needs to be filled by Business User and using those master data Reporting system should
generate the Daily ADF Reports
2. If GBS is providing the data to Reporting System then it should be in batch file format.
3. Batch file should be kept by GBS at Reporting SFTP location.
1.7.1.4Triggering Event
When GBS provide the batch file at SFTP location.

©2022 NH Bank. All Rights Reserved Page 24 of 138

1.7.1.5User Interaction
NA
1.7.1.6Property sheet
NA
1.7.1.7Business Rules
NA

1.7.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and
store in its local database.
Reporting System Should run the cron job,read the batch file from SFTP location and store in it’s local database.

1.7.2.1Use Case Diagram:

1.7.2.2Actor and Actions

Actor Actions
Reporting System Run Cron Job
Read batch file
Save data in Local db

1.7.2.3Business Requirement

©2022 NH Bank. All Rights Reserved Page 25 of 138

 1. Middleware should run the cron job to read the GBS data and save the data in the reporting system
database/or when business user input the data in the master user interface then it should be saved in the
Reporting system.
1.7.2.4Triggering Event
When Reporting System run the cron job after receiving the GBS batch file /Once Business user provides the data
in the master user interfaces.
1.7.2.5User Interaction
NA

1.7.2.6Property sheet
NA

1.7.2.7Business Rules
NA

1.7.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with
its login credentials
1.7.3.1Use Case Diagram:

1.7.3.2Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.7.3.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.7.3.4Triggering Event
When Reporting User access the login page of the Reporting system.
1.7.3.5User Interaction

©2022 NH Bank. All Rights Reserved Page 26 of 138

NA
1.7.3.6Property sheet
NA
1.7.3.7Business Rules
NA
1.7.3.8Sample Format
NA

1.7.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to
generate the Daily Reports.
1.7.4.1Use Case Diagram:

1.7.4.2Actor and Actions

Actor Actions
Reporting User View Daily Reports
Generate Daily Reports

1.7.4.3 Business Requirement

1. Middleware should read the GBS data and prepare required reporting data in its reporting system.
2. Reporting User should view and generate the Daily reports from the User Interface.
3. The generated report should meet the required format shared by the business.
4. The below 9 reports should be generated by the Daily section of Reporting System.

1.-Report Name-Form ECB:-

©2022 NH Bank. All Rights Reserved Page 27 of 138

 External Commercial Borrowings are commercial loans raised by eligible resident entities from recognized
non-resident entities and should conform to parameters. It is an application for permission to raise External
Commercial Borrowings.

2.-Report Name-List of equity and convertible debentures (LECFII):-

Under the Foreign Direct Investments (FDI) Scheme, investments can be made in shares, mandatorily and fully
convertible debentures and mandatorily and fully preference shares of an Indian company by non-residents
through two routes:- Automatic Route and Government Route. Statement of purchases / sales of shares /
debentures made on behalf of FIIs under portfolio investment scheme. Indian companies can issue fully
convertible debentures and fully convertible Preference Shares.So this report is related to that.

3.-Report Name-Report on issue of Subordinated Debt, raising of Upper Tier II Capital, Perpetual Debts
and Equity Capital (Qualified Institutional Placements-QIP, Preferential issue to Promoters, GDR issue)
together with copy of document:-

Banks with a parent holding company typically issue subordinated debt at the holding company level and then
may downstream the proceeds to the bank. The proceeds are treated as Tier 2 capital of the holding company
and, once contributed to the bank, as Tier 1 capital of the bank. Perpetual debt instruments are debt funds
with no maturity date. The issuer keeps paying interest forever till either company dissolves, closes down or
till the investor holds the bond. Preferential Issue of shares to promoters is a procedure to allot a bulk of fresh
to a specific group of individuals, investors or venture companies. It is an issue of shares or convertible
securities and can be by listed or unlisted companies.

4.- Report Name-Payment of dividend:-

A dividend is a payment of some of a company's earnings to a class of its shareholders. The payment date and
amount are determined on a quarterly basis once the board of directors reviews a company's financials.
Details of dividend declared during the financial year.

5.-Report Name-Foreign Exchange Turnover (FTD):-

Turnover in forex refers to the total value of all trades carried out within a specified time frame. It is a
measure of the overall activity in the foreign exchange market and is often used as an indicator of market
liquidity.So this report is related to that.

6.-Report Name-Gaps, Position, and Cash Balances (GPB):-

©2022 NH Bank. All Rights Reserved Page 28 of 138

 GPB Statement use to show gaps, position and cash balances . Foreign Currency Balances : IN USD MILLION
(Cash Balance + All Investments). Gaps of foreign currency, net open exchange positions and cash balances are
the parts of this report.

7.-Report Name-Liberalised Remittance Scheme:-

Under the Liberalised Remittance Scheme, all resident individuals, including minors, are allowed to freely
remit up to USD 2,50,000 per financial year (April – March) for any permissible current or capital account
transaction or a combination of both. According to the latest notification, any individual making payments
using their international Debit or Credit cards up to INR 700,000 per financial year will be exempt from the
Liberalized Remittance Scheme (LRS) limits. As a result, these transactions will not be subject to any Tax
Collected at Source (TCS).So this report is related to that.

8.-Report Name-MCLR (Marginal Cost of funds based Lending Rate) Return (MPD07):-

Marginal Cost of Funds based Lending Rate (MCLR) is the minimum lending rate below which a bank is not
permitted to lend. MCLR replaced the earlier base rate system to determine the lending rates for commercial
banks. RBI implemented MCLR on 1 April 2016 to determine rates of interests for loans. Marginal Cost of the
Fund-Based Lending Rate or the MCLR is the minimum interest rate a financial institution needs to charge for
a specific loan. It dictates the lower limit of the interest rate for a loan. This rate limit is set in stone for
borrowers unless specified otherwise by the Reserve Bank of India. MCLR is calculated internally by the bank
based on four components – Marginal Cost of Funds, Cash Reserve Ratio (CRR), Tenure Premium, and
Operating Costs.

9.-Report Name-Currency Chest Transactions:-

The depository of the Reserve Bank of India (RBI) is known as the currency chest. It consists of the cash meant
for the banks and ATMs. The chests are located on-premises of selected banks all across India. When the RBI
prints new notes, they first send them to the currency chests, from where it goes into circulation. A currency
chest is a depository of the Reserve Bank of India (RBI) where the excess money meant for the banks and
ATMs is stored. Daily transactions viz. deposit, withdrawal, remittances (fresh notes/ soiled notes / coins),
diversions, etc. at CCs.

1.7.4.4Triggering Event
When Reporting User open the User Interface of Daily Reports

1.7.4.5User Interaction
NA
1.7.4.6Property sheet
NA
1.7.4.7Business Rules

©2022 NH Bank. All Rights Reserved Page 29 of 138

NA

1.7.4.8Sample Format

Report Report Name Report File Format Report Reporting

Serial Description Attachment Platform
1 Form ECB To obtain Loan .PDF Hardcopy
Registration
Number (LRN)
for ECB

2 List of equity and convertible Statement of .PDF

debentures (LECFII) purchases / FED/Email
sales of shares /
debentures
made on behalf
of FIIs under
portfolio
investment
scheme
3 Report on issue of Report on issue .PDF Hardcopy
Subordinated Debt, raising of of Subordinated
Debt, raising of
Upper Tier II Capital, Upper Tier II
Perpetual Debts and Equity Capital,
Capital (Qualified Perpetual Debts
Institutional Placements-QIP, and Equity
Capital
Preferential issue to (Qualified
Promoters, GDR issue) Institutional
together with copy of Placements-QIP,
Preferential
document
issue to
Promoters, GDR
issue) together
with copy of
document
4 Payment of dividend Details of .PDF Hardcopy
dividend
declared during
the financial
year and other
details as per
the circular of
RBI
5 Foreign Exchange Turnover Foreign .XLSX XBRL Phase III
(FTD) Exchange
Turnover- Client
and Interbank in
Spot, Swaps and
Forwards
(including
cancellations)
6 Gaps, Position, and Cash Gaps of foreign .XLS XBRL Phase II
©2022 NH Bank. All Rights Reserved Page 30 of 138
 Balances (GPB) currency, net
open exchange
positions and
cash balances
7 Liberalised Remittance Liberalised .PDF XBRL Phase II
Scheme Remittance
Scheme of USD
2,50,000 for
resident
individuals
8 MCLR (Marginal Cost of Data on MCLR of .XLSX XBRL Phase III
funds based Lending Rate) SCBs (excluding
RRBs, SFBs and
Return (MPD07) PBs)

9 Currency Chest Transactions Daily System (CyM) CyM System

transactions viz. driven
deposit, depending in
withdrawal, transaction
remittances
involved
(fresh notes/
soiled notes /
coins),
diversions, etc.
at CCs

1.7.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.7.5.1Use Case Diagram:

1.7.5.2Actor and Actions

Actor Actions
Reporting User Apply date filters

©2022 NH Bank. All Rights Reserved Page 31 of 138

1.7.5.3Business Requirement
1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of Daily reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.7.5.4Triggering Event
When Reporting User open the view page of Daily reports and apply date filters
1.7.5.5User Interaction
NA
1.7.5.6Property sheet
Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

1.7.5.7Business Rules
NA

1.8 Business Module -Weekly Reports

Weekly Reports are the reports, required by bank to submit to RBI on Weekly basis.
Use Cases

Use Cases
As Per Annex Document Status
E1.B1 – Weekly Reports
E1.B1.1 GBS should provide data to Reporting System in form of batch file
at SFTP location/Velocis provides sets of master User interface to be filled In Scope
by Business User
E1.B1.2 Reporting System should run the cron job to read the batch file
In Scope
and store in its local database
E1.B1.3 Reporting User should login in the Middleware application User
In Scope
Interface with its login credentials
E1.B1.4 Reporting User should open the ADF Reports User Interface to
In Scope
generate the Weekly Reports
E1.B1.5 Reporting User should be able to apply the date filters in the UI
In Scope
to view report

©2022 NH Bank. All Rights Reserved Page 32 of 138

1.8.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User
GBS should provide the data to middleware in form of batch file.The batch file should be kept by GBS at
some SFTP location from where middleware application should be able to read that file or /Velocis
provides sets of master User interface to be filled by Business User on the basis of which Reporting
system generate the 2 reports of Weekly frequency.
1.8.1.1Use Case Diagram:

1.8.1.2Actor and Actions

Actor Actions
GBS Send Weekly ADF data to Reporting System

1.8.1.3Business Requirement
1. GBS should provide data to Velocis Reporting system for generating reports or Velocis provides sets of master
User interface which needs to be filled by Business User and using those master data Reporting system should
generate the Weekly ADF Reports
2. If GBS is providing the data to Reporting System then it should be in batch file format.
3. Batch file should be kept by GBS at Reporting SFTP location.
1.8.1.4Triggering Event
When GBS provide the batch file at SFTP location.
1.8.1.5User Interaction
NA
1.8.1.6Property sheet
NA
1.8.1.7Business Rules
NA

1.8.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and
store in its local database.
Reporting System Should run the cron job,read the batch file from SFTP location and store in it’s local database.

1.8.2.1Use Case Diagram:

©2022 NH Bank. All Rights Reserved Page 33 of 138
1.8.2.2Actor and Actions

Actor Actions
Reporting System Run Cron Job
Read batch file
Save data in Local db

1.8.2.3Business Requirement
Middleware should run the cron job to read the GBS data and save the data in the reporting system database/or
when business user input the data in the master user interface then it should be saved in the Reporting system.
1.8.2.4Triggering Event
When Reporting System run the cron job after receiving the GBS batch file /Once Business user provides the data
in the master user interfaces.
1.8.2.5User Interaction
NA

1.8.2.6Property sheet
NA

1.8.2.7Business Rules
NA

©2022 NH Bank. All Rights Reserved Page 34 of 138

1.8.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with
its login credentials
1.8.3.1Use Case Diagram:

1.8.3.2Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.8.3.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.8.3.4Triggering Event
When Reporting User access the login page of the Reporting system.
1.8.3.5User Interaction
NA
1.8.3.6Property sheet
NA
1.8.3.7Business Rules
NA
1.8.3.8Sample Format
NA

1.8.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to
generate the Weekly Reports.
1.8.4.1Use Case Diagram:

©2022 NH Bank. All Rights Reserved Page 35 of 138

1.8.4.2Actor and Actions

Actor Actions
Reporting User View Weekly Reports
Generate Weekly Reports

1.8.4.3 Business Requirement

1. Middleware should read the GBS data and prepare required reporting data in its reporting system.
2. Reporting User should view and generate the Weekly reports from the User Interface.
3. The generated report should meet the required format shared by the business.
4. The below 2 reports should be generated by the Weekly section of Reporting System

1.-Report Name-FII Weekly:-

Foreign Institutional Investors (FII) invest funds in India to earn Interest and Dividend. RBI monitors inflow/ of
outflow of foreign funds on account of investment by FIIs/FPIs in the Indian capital market. The objective is to
control Exchange Rates of foreign currencies.

2.-Report Name-FCY-Rupee Option Transactions:-

This Report is related to foreign currency-Rupee option Transaction Mode.Select an appropriate, default
transaction mode - i.e. one that can deal with foreign currency payments for a local bank like Option Transaction
Report, Option Position Report, Change in Portfolio Delta Report and Strike concentration report

1.8.4.4Triggering Event
When Reporting User open the User Interface of Weekly Reports

1.8.4.5User Interaction
©2022 NH Bank. All Rights Reserved Page 36 of 138
NA
1.8.4.6Property sheet
NA
1.8.4.7Business Rules
NA

1.8.4.8Sample Format

Report Report Name Report File Format Report Reporting

Serial Description Attachment Platform
1 FII Weekly inflow/ of .XLSX Email
outflow of
foreign funds on
account of
investment by
FIIs/FPIs in the
Indian capital
market
2 FCY-Rupee Option Option .XLSX
Transactions Transaction Email
Report, Option
Position Report,
Change in
Portfolio Delta
Report and
Strike
Concentration
Report

1.8.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.8.5.1Use Case Diagram:

©2022 NH Bank. All Rights Reserved Page 37 of 138

1.8.5.2Actor and Actions

Actor Actions
Reporting User Apply date filters

1.8.5.3Business Requirement
1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of Weekly reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.8.5.4Triggering Event
When Reporting User open the view page of Weekly reports and apply date filters
1.8.5.5User Interaction
NA
1.8.5.6Property sheet
Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

1.8.5.7Business Rules
NA

1.9 Business Module -Fortnightly Reports

Fortnightly Reports are the reports, required by bank to submit to RBI on last day of every alternate week.
Use Cases

Use Cases
As Per Annex Document Status
E1.B1 – Fortnightly Reports
E1.B1.1 GBS should provide data to Reporting System in form of batch file
at SFTP location/Velocis provides sets of master User interface to be filled In Scope
by Business User

©2022 NH Bank. All Rights Reserved Page 38 of 138

 E1.B1.2 Reporting System should run the cron job to read the batch file
In Scope
and store in its local database
E1.B1.3 Reporting User should login in the Middleware application User
In Scope
Interface with its login credentials
E1.B1.4 Reporting User should open the ADF Reports User Interface to
In Scope
generate the Fortnightly Reports
E1.B1.5 Reporting User should be able to apply the date filters in the UI
In Scope
to view report

1.9.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User
GBS should provide the data to middleware in form of batch file.The batch file should be kept by GBS at
some SFTP location from where middleware application should be able to read that file or /Velocis
provides sets of master User interface to be filled by Business User on the basis of which Reporting
system generate the 7 reports of Fortnightly frequency.
1.9.1.1Use Case Diagram:

1.9.1.2Actor and Actions

Actor Actions
GBS Send Fortnightly ADF data to Reporting
System

1.9.1.3Business Requirement
1. GBS should provide data to Velocis Reporting system for generating reports or Velocis provides sets of master
User interface which needs to be filled by Business User and using those master data Reporting system should
generate the Fortnightly ADF Reports
2. If GBS is providing the data to Reporting System then it should be in batch file format.
3. Batch file should be kept by GBS at Reporting SFTP location.
1.9.1.4Triggering Event
When GBS provide the batch file at SFTP location.
1.9.1.5User Interaction
NA
1.9.1.6Property sheet
NA

©2022 NH Bank. All Rights Reserved Page 39 of 138

1.9.1.7Business Rules
NA

1.9.2 Use Case Scenario2 - Reporting System should run the cron job to read the batch file and
store in its local database.
Reporting System Should run the cron job,read the batch file from SFTP location and store in it’s local database.

1.9.2.1Use Case Diagram:

1.9.2.2Actor and Actions

Actor Actions
Reporting System Run Cron Job
Read batch file
Save data in Local db

1.9.2.3Business Requirement
Middleware should run the cron job to read the GBS data and save the data in the reporting system database/or
when business user input the data in the master user interface then it should be saved in the Reporting system.
1.9.2.4Triggering Event
When Reporting System run the cron job after receiving the GBS batch file /Once Business user provides the data
in the master user interfaces.
1.9.2.5User Interaction
©2022 NH Bank. All Rights Reserved Page 40 of 138
NA

1.9.2.6Property sheet
NA

1.9.2.7Business Rules
NA

1.9.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with
its login credentials
1.9.3.1Use Case Diagram:

1.9.3.2Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.9.3.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.9.3.4Triggering Event
When Reporting User access the login page of the Reporting system.
1.9.3.5User Interaction
NA
1.9.3.6Property sheet
NA
1.9.3.7Business Rules
NA
1.9.3.8Sample Format

©2022 NH Bank. All Rights Reserved Page 41 of 138

NA

1.9.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to
generate the Fortnightly Reports.
1.9.4.1Use Case Diagram:

1.9.4.2Actor and Actions

Actor Actions
Reporting User View Fortnightly Reports
Generate Fortnightly Reports

1.9.4.3 Business Requirement

1. Middleware should read the GBS data and prepare required reporting data in its reporting system.
2. Reporting User should view and generate the Fortnightly reports from the User Interface.
3. The generated report should meet the required format shared by the business.
5. The below 7 reports should be generated by the Fortnightly section of Reporting System

1. -Report Name-FETERS (R-return):-

International Business Units (IBUs) shall capture and report the purpose, currency, amount, and country of their
foreign exchange transactions in the Foreign Exchange Transaction Electronic Reporting System (FETERS)
managed by RBI, as per the prescribed formats. It is the guidelines for compilation of R-Returns and reporting
under the Foreign Exchange Transactions – Electronic Reporting System (FETERS)

2. -Report Name-BAL statement:-

©2022 NH Bank. All Rights Reserved Page 42 of 138
Statement in form BAL giving details of their holdings of all foreign currencies on fortnightly basis through Online
Returns Filing System. Foreign currency balances of Authorized Dealers and Rupee balances of banks.

3. -Report Name--A (Sec.42, RBI Act, 1934):-

Under Section 42 (2) of the RBI Act, 1934, all SCBs are required to submit to Reserve Bank a provisional Return in
Form 'A' within 7 day. It is Used for the purpose of computation of CRR and SLR.

4. -Report Name-Holding of Foreign Currencies:-

Forex reserves or foreign exchange reserves (FX reserves) are assets that are held by a nation's central bank or
monetary authority. It is generally held in reserve currencies usually the US Dollar and to a lesser degree the Euro,
Japanese Yen, and Pound Sterling.. Statement in form BAL giving details of holding of all foreign currencies by AD
Bank

5. -Report Name-Liquidity Return (LR):-

Liquidity plays a crucial role in balancing your portfolio with tradeoffs between risk and return. If you invest in
emergency funds, you will have high liquidity, but the returns would be low, as will be the risk. Real estate
investment comes with low risk and a higher return, but the liquidity aspect is compromised. The LR return on
Structural Liquidity includes behavioral maturity profile of various components of on / off-balance sheet items on
the basis of assumptions and trend analysis supported by time series analysis having five parts, viz. (i) ‘Domestic
Currency – Indian Operations’, (ii) ‘Foreign Currency – Indian Operations’, (iii) ‘Combined Indian Operations –
Domestic and Foreign Currency’ i.e. solo bank level, (iv) ‘Overseas branch Operations–Country-Wise’ and (v) ‘For
Consolidated Bank Operations’.

6. -Report Name-Special Fortnightly Return-II/MPD003:-

Section 42 of RBI Act - Every bank included in the Second Schedule shall maintain with the Bank an average daily
balance the amount of which shall not be less than 2[such per cent. of the total of the demand and time liabilities in
India of such bank as shown in the return referred to in sub-section (2), as the Bank may from time to time, having
regard to the needs of securing the monetary stability in the country. average daily balance” shall mean the average
of the balances held at the close of business of each day 4[of a fortnight]; CRR and SLR by the SCBs.

7-Report Name-Supplementary return on daily SLR/MPD004

CRR and SLR by the SCBs, the Reserve Bank of India has prescribed statutory,an additional average daily balance.
The SLR limit has to be mandatorily maintained by banks on a daily basis. It is calculated as a percentage of the Net
Demand and Time Liabilities (NDTL) (i.e. deposits) held by the bank. The ratio of these liquid assets to the demand
and time liabilities is called the Statutory Liquidity Ratio (SLR). The Reserve Bank of India (RBI) has the authority
to increase this ratio by up to 40%. An increase in the ratio constricts the ability of the bank to inject money into
the economy.

©2022 NH Bank. All Rights Reserved Page 43 of 138

1.9.4.4Triggering Event
When Reporting User open the User Interface of Fortnightly Reports

1.9.4.5User Interaction
NA
1.9.4.6Property sheet
NA
1.9.4.7Business Rules
NA

1.9.4.8Sample Format

Report Report Name Report Description File Format Report Reporting

Serial Attachment Platform
1 FETERS (R-return) Foreign exchange .XLSX BoP
transactions of
banks in India

2 BAL statement Foreign currency .XLSX

balances of BoP
Authorized Dealers
and rupee balances
of non-resident
banks
3 Form-A (Sec.42, RBI Act, Usedfor .XLSX XBRL Phase II
1934) computation of
NDTL for CRR
maintenance

4 Holding of Foreign Statement in form .PDF XBRL Phase II

Currencies BAL giving details of
holding of all foreign
currencies by AD
Bank
5 Liquidity Return (LR) The LR return on .XLSX XBRL Phase II
Structural Liquidity
includes behavioural
maturity profile of
various components
of on / off-balance
sheet items on the
basis of assumptions
and trend analysis
supported by time
series analysis
having five parts, viz.
©2022 NH Bank. All Rights Reserved Page 44 of 138
 (i) ‘Domestic
Currency – Indian
Operations’, (ii)
‘Foreign Currency –
Indian Operations’,
(iii) ‘Combined
Indian Operations –
Domestic and
Foreign Currency’
i.e. solo bank level,
(iv) ‘Overseas
branch
Operations–Country-
Wise’ and (v) ‘For
Consolidated Bank
Operations’.
6 Special Fortnightly Return- Monitoring of daily .XLSX XBRL Phase III
II/MPD003 CRR balances

7 Supplementary return on Supplementary .XLSX XBRL Phase III

daily SLR/MPD004 return on daily SLR

1.9.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.9.5.1Use Case Diagram:

1.9.5.2Actor and Actions

Actor Actions
Reporting User Apply date filters

©2022 NH Bank. All Rights Reserved Page 45 of 138

1.9.5.3Business Requirement
1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of Fortnightly reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.9.5.4Triggering Event
When Reporting User open the view page of Fortnightly reports and apply date filters
1.9.5.5User Interaction
NA
1.9.5.6Property sheet
Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

1.9.5.7Business Rules
NA

1.10 Business Module -Monthly Reports

Monthly Reports are the reports, required by bank to submit to RBI on last day of every Month.
Use Cases

Use Cases
As Per Annex Document Status
E1.B1 – Monthly Reports
E1.B1.1 GBS should provide data to Reporting System in form of batch file
at SFTP location/Velocis provides sets of master User interface to be filled In Scope
by Business User
E1.B1.2 Reporting System should run the cron job to read the batch file
In Scope
and store in its local database
E1.B1.3 Reporting User should login in the Middleware application User
In Scope
Interface with its login credentials
E1.B1.4 Reporting User should open the ADF Reports User Interface to
In Scope
generate the Monthly Reports
E1.B1.5 Reporting User should be able to apply the date filters in the UI In Scope

©2022 NH Bank. All Rights Reserved Page 46 of 138

 to view report

1.10.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User
GBS should provide the data to middleware in form of batch file.The batch file should be kept by GBS at
some SFTP location from where middleware application should be able to read that file or /Velocis
provides sets of master User interface to be filled by Business User on the basis of which Reporting
system generate the 29 reports of Monthly frequency.
1.10.1.1 Use Case Diagram:

1.10.1.2 Actor and Actions

Actor Actions
GBS Send Monthly ADF data to Reporting System

1.10.1.3 Business Requirement

1. GBS should provide data to Velocis Reporting system for generating reports or Velocis provides sets of master
User interface which needs to be filled by Business User and using those master data Reporting system should
generate the Monthly ADF Reports
2. If GBS is providing the data to Reporting System then it should be in batch file format.
3. Batch file should be kept by GBS at Reporting SFTP location.
1.10.1.4 Triggering Event
When GBS provide the batch file at SFTP location.
1.10.1.5 User Interaction
NA
1.10.1.6 Property sheet
NA
1.10.1.7 Business Rules
NA

1.10.2Use Case Scenario2 - Reporting System should run the cron job to read the batch file and
store in its local database.
©2022 NH Bank. All Rights Reserved Page 47 of 138
Reporting System Should run the cron job,read the batch file from SFTP location and store in it’s local database.

1.10.2.1 Use Case Diagram:

1.10.2.2 Actor and Actions

Actor Actions
Reporting System Run Cron Job
Read batch file
Save data in Local db

1.10.2.3 Business Requirement

Middleware should run the cron job to read the GBS data and save the data in the reporting system database/or
when business user input the data in the master user interface then it should be saved in the Reporting system.
1.10.2.4 Triggering Event
When Reporting System run the cron job after receiving the GBS batch file /Once Business user provides the data
in the master user interfaces.
1.10.2.5 User Interaction
NA

1.10.2.6 Property sheet

NA

1.10.2.7 Business Rules

©2022 NH Bank. All Rights Reserved Page 48 of 138

NA

1.10.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with
its login credentials
1.10.3.1 Use Case Diagram:

1.10.3.2 Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.10.3.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.10.3.4 Triggering Event
When Reporting User access the login page of the Reporting system.
1.10.3.5 User Interaction
NA
1.10.3.6 Property sheet
NA
1.10.3.7 Business Rules
NA
1.10.3.8 Sample Format
NA

1.10.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to
generate the Monthly Reports.
©2022 NH Bank. All Rights Reserved Page 49 of 138
1.10.4.1 Use Case Diagram:

1.10.4.2 Actor and Actions

Actor Actions
Reporting User View Monthly Reports
Generate Monthly Reports

1.10.4.3 Business Requirement

1 Middleware should read the GBS data and prepare required reporting data in its reporting system.
2. Reporting User should view and generate the Monthly reports from the User Interface.
3. The generated report should meet the required format shared by the business.
4. The below 29 reports should be generated by the Monthly section of Reporting System

1.- Report Name-Form TC:-

Trade credit is an agreement between two businesses that allows one business (customer) to purchase goods
or services from another (supplier) without paying cash up front, and instead pay at a later date. Approvals of
Trade Credit granted by all branches, compilation of short term credit extended for imports and payments
thereof.

2.- Report Name-Yen holdings of Government of India:-

India's foreign exchange reserves is mainly in USD. The international trade with Japan and Japanese
Companies is increasing over a period of time. This Return aims to monitor flow of Yen and Japanese
investments in India and to increase it drastically.

©2022 NH Bank. All Rights Reserved Page 50 of 138

 3.- Report Name-Cards Statistics:-

Banks issue Debit (ATM) and Credit Cards to their customers. Return seeks to review number of such cards to
customers. Usage of credit and debit cards at ATMs, POS and for Electronic Commerce. Government wants to
promote digital transactions through Credit/Debit card and UPI transactions.

4.-Report Name-PPI Statistics:-

PPIs are instruments that facilitate purchase of goods and services, conduct of financial services, enable
remittance facilities, etc., against the value stored Pre-paid Instruments can be issued by banks after obtaining
approval from RBI. Aim of this Return is to monitor issue of PPIs by the Bank.

5.-Report Name-Mobile Banking Transactions:-

Customers can transfer funds to anyone by adding them as beneficiaries via UPI (Unified Payments Interface),
which also includes Bank to Bank transfers, self-transfers, payment of rent and other bills, and
NEFT/IMPS/RTGS payments, among other things. Volume and Value of Payment transactions through Mobile
Banking Application of the Bank.

6.-Report Name-NRD-CSR:-

Non-resident deposits comprehensive single return on NR/FCNR deposits and their transactions in a month.
Moved to XBRL (Extensible Business Reporting Language). The existing NRD CSR version 1.6 has been revised
and a new NRD CSR version 2.1@ for the reporting system has been placed on the RBI website (under FEMA).

7.-Report Name-Banking service price index:-

The Banking Service Price Index is then derived by assigning an inter-se weight to Intermediation Services
and Direct Services. It comprises data related to fees income and fee charges for banking services and selective
data on deposits and loans.

8.-Report Name--Data on facilities to NRI / PIOS foreign nationals - liberalization:-

Remittance facilities for Non Resident Indians (NRIs) / Persons of Indian Origin (PIO) and Foreign Nationals,
as per Master circular of RBI. Authorised Dealer banks may carefully study the provisions of the Act /
Regulations / Notifications issued under the Foreign Exchange Management Act, 1999 (the Act).

9.-Report Name-Details of remittances made by NRO account:-

Remittances made out of NRO accounts up to 1 million USD per calendar year - Facilities to NRIs/PIOs and
foreign nationals. This is to ensure that necessary taxes are paid. NRO accounts have limited access for
repatriation. An NRO account restricts you from remitting more than USD 1 million inclusive of taxes during
an assessment year.

©2022 NH Bank. All Rights Reserved Page 51 of 138

 10.-Report Name-Liberalised Remittance Scheme:-

RBI introduced LRS scheme or Liberalised Remittance Scheme to facilitate hassle-free foreign exchange. An
Indian resident can transfer funds of up to USD 250,000 in a financial year outside India. Under the Liberalised
Remittance Scheme, all resident individuals, including minors, are allowed to freely remit up to USD 2,50,000
per financial year (April – March) for any permissible current or capital account transaction or a combination
of both.
11.-Report Name-FIP Progress:-

Financial Inclusion Plan is the RBI designed financial inclusion measures to be implemented by commercial
banks to provide banking services in unbanked villages. Progress made in respect of FI on monthly basis.

12.-Report Name-Form VIII (Sec. 24 of the BR Act, 1949)

For the purposes of section 8, a banking company shall not be deemed, by reason of its forming or having a
subsidiary company. Statement of demand and time liabilities and unencumbered approved securities for
ascertaining maintenance of SLR and levy of penal interest for default.

13.-Report Name--Form-X – statement of assets and liabilities

FORM X: Liabilities and assets in India of commercial banks as on the last Friday of the month. Monthly assets
and liabilities of domestic operations estimation of household financial savings.

14.-Report Name--Monthly Return on Aggregate Resources Raised

To facilitate the specialized financial institutions (FIs) to meet their short-term and long-term resource level
playing field, by bringing broad convergence in regulatory norms among financial institutions with regard to
issue of bonds by them. Monthly statement to be furnished by all India Financial Institutions like Exim Bank,
NABARD, NHB and SIDBI.

15.-Report Name--Statement showing details of counterfeit bank notes detected by the branch during
the month

The status report should cover dissemination and implementation of RBI instructions on counterfeit notes,
compilation of data on counterfeit notes and its submission to RBI and FIU-IND , sharing information thus
compiled with bank's CVO,conducting surprise checks at currency chests where shortage/ counterfeit notes
detected,ensuring operation of NSMs at all currency chests/back offices, ensuring only machine checked notes
fed into ATMs, put in place adequate safeguards during processing and in transit of notes etc.It is for Detection
and and Impounding of counterfeit notes.

©2022 NH Bank. All Rights Reserved Page 52 of 138

 16.-Report Name--Outstanding Foreign Currency Borrowings (OFCB)

External Commercial Borrowings (ECB) refer to commercial loans in the form of bank loans, buyers’ credit,
suppliers’ credit, securitized instruments (e.g. floating rate notes and fixed rate bonds, non-convertible,
optionally convertible or partially convertible preference shares) availed of from non-resident lenders with a
minimum average maturity of 3 years. This Report is for Total outstanding foreign currency borrowings under
all categories.

17.-Report Name--Return on Asset Liability and Off-Balance Sheet Exposures (ALE)

The ALE return contains the granular breakup of Assets and liability items along with details regarding off
balance sheet and derivative exposures.

18.-Report Name--Return on Asset Quality (RAQ)

RAQ Reports the asset quality of loans for domestic and overseas operations. RAQ contains asset classification
and provisioning for the advances and investment portfolio of the banks. This statement also contains sector
wise granular break up of credit and investment portfolio.

19.-Report Name--Return on Interest Rate Sensitivity- (IRS)- Traditional Gap & Duration Gap

The interest rate sensitivity gap compares the amount of assets and liabilities in each time period in the
interest rate sensitivity gap table. This comparison gives an approximate view of the interest rate risk of the
balance sheet being analyzed. IRS captures the banks exposure to the interest rate risk.

20.-Report Name--Central Repository of Information on Large Credits (CRILC) – Main

Central Repository of Information on Large Credits (CRILC) is established by the Reserve Bank of India to
collect, store, and disseminate credit data to lenders. Therefore, banks will have to furnish credit information
to CRILC on all their borrowers which have aggregate fund-based and non-fund based exposure of Rs. 5 crore
& above. Rs.CRILC collects Data on all credit accounts like details of Borrower, Debt details, Category based
Special Mention Accounts(SMA0,1,and2) and all related Data.

21.-Report Name--Basel Liquidity Returns (BLR)

The LCR requirements are designed to ensure banks maintain an adequate level of readily available, high-
quality liquid assets, or HQLA, that can quickly and easily be converted into cash to meet any liquidity needs
that might arise during a 30-day period of liquidity stress. The LCR contains 7 returns viz. BLR 1, BLR 2, BLR 3,
BLR 4, BLR 5, BLR -6 & BLR -7 and monitors that a bank maintains an adequate level of unencumbered HQLAs
that can be converted into cash to meet its liquidity needs for a 30 calendar day time horizon under a
significantly severe liquidity stress scenario specified by supervisors.

©2022 NH Bank. All Rights Reserved Page 53 of 138

 22.-Report Name--Form I

Annual Return on Deposits as on 31st March. (To be submitted by all Non-Banking Financial Companies
accepting / holding public deposits. Monthly Return of unclaimed deposits/credits/ accounts/ in India which
have not been operated upon/remained unclaimed for 10 years or more as on the date of the return and
transferred to the DEA Fund Account. (To be submitted online to the Reserve Bank of India by 15th of the
succeeding month)

23.-Report Name-Form II

As per the RBI guidelines, in case a savings or a current bank account remains inactive for 10 years, money
gets transferred to the Depositor Education and Awareness Fund (DEAF), which is maintained by the apex
bank, on a monthly basis. Monthly return claiming refund from the DEA Fund (Original hardcopy to be
submitted by 15th of the succeeding month to which the claim pertains)

24.-Report Name-Cross-border remittances arising out of Rupee interest rate derivatives transactions
undertaken by non-residents

Interest Rate Derivative (IRD) is a financial derivative contract whose value is derived from one or more
interest rates, prices of interest rate instruments, or interest rate indices. Banks use derivatives to hedge, to
reduce the risks involved in the bank's operations. For example, a bank's financial profile might make it
vulnerable to losses from changes in interest rates. The bank could purchase interest rate futures to protect
itself. Or, a pension fund can protect itself against credit default. Cross-border remittances arising out of Rupee
interest rate derivatives transactions undertaken by non-residents.

25.-Report Name-Interest Rate Return (erstwhile SMR VIAB) (MPD06)

Deposit rates (including NRI deposits), rupee lending rates (outstanding as also on fresh loans sanctioned)
and foreign currency export credit of SCBs (excluding RRBs, SFBs and PBs), External Benchmark based
Lending Rate data of SCBs (excluding RRBs, SFBs and PBs),Savings Bank Deposits,Domestic Term Deposits
,MCLR ,EBLR ,BPLR ,Base Rate and P-Segment Advances · In keeping with Reserve Bank of India guidelines to
provide information on effective annualized rate of return on deposits of various maturities.

26.-Report Name-Sector-wise and industry-wise deployment of bank credit (SIBC)/MPD002

This Report is related to Deployment of Gross Bank Credit by Major Sectors . Food credit data are based on
sector-wise and industry-wise bank credit (SIBC) return.
Credit and finance for MSMEs: The gross bank credit deployed by scheduled commercial banks to micro and
small enterprises (MSEs) under priority sector lending. The Reserve Bank of India is the banking regulator
and is responsible for directing banking credit flow to the various sectors of the economy. Analyzing trends in
sector- wise and industry-wise bank credit.

©2022 NH Bank. All Rights Reserved Page 54 of 138

 27.-Report Name-FETERS – Cards Return

Compilation of R-Returns for reporting under the Foreign Exchange Transactions Electronic Reporting System
(FETERS). RBI has been collecting details of Foreign Exchange Transactions – Electronic Reporting System
(FETERS) and has been issuing guidelines in this regard from time. The IBUs shall capture and report the
purpose, currency, amount, and country of their foreign exchange transactions in the Foreign Exchange
Transaction Electronic Reporting System (FETERS) managed by the RBI, as per the formats prescribed by the
RBI. Details of international transactions using credit card / debit card / unified payment interface (UPI) along
with their economic classification (merchant category code – MCC) will be captured.

28.-Report Name-Monthly Return on information related to Stressed MSME Sub-ordinate Debt Scheme

MLIs (Member Lending Institutions) shall carry out their own due diligence to assess the viability, need and
requirement of sub-debt facility in respect of restructuring of stressed MSME. The return collects data
on Personal Loans sanctioned to Promoters of distressed MSMEs under CREDIT GUARANTEE SCHEME FOR
SUBORDINATE DEBT- CGSSD.

29.-Report Name-Natural Calamity Relief Measures

All short-term loans except those which are overdue at the time of occurrence of the natural calamity or as
applicable shall be eligible. Existing term loan instalments shall also be eligible as per applicability.
Maximum repayment period of up to two years or as applicable if the loss is between 33% and 50%. Relief
Measures by Banks in Areas affected by Natural Calamities.

1.10.4.4 Triggering Event

When Reporting User open the User Interface of Monthly Reports

1.10.4.5 User Interaction

NA
1.10.4.6 Property sheet
NA
1.10.4.7 Business Rules
NA

1.10.4.8 Sample Format

Report Report Name Report File Format Report Reporting

Serial Description Attachment Platform
1 Form TC Compilation of .XLSX Email
short term credit
©2022 NH Bank. All Rights Reserved Page 55 of 138
 extended for
imports and
payments thereof
2 Yen holdings of Government International .XLSX
of India investment
position Hardcopy

3 Cards Statistics Usage of Credit & .XLSX

debit cards at ATM
& POS XBRL Phase III

4 PPI Statistics Pre-paid Payment .XLSX

Instrument
Statistics Email

5 Mobile Banking Volume and Value .XLSX

Transactions of Payment
Transactions done
XBRL Phase III
through Mobile
Banking
Application
6 NRD-CSR Non-resident .XLSX
deposits
comprehensive
single return on
XBRL Phase II
NR/FCNR deposits
and their
transactions in a
month
7 Banking service price index The statement .PDF
comprises of data
related to fees
income and fee
charges for banking Email
services provided
by the bank and
selective data on
deposits and loans
8 Data on facilities to NRI / Details of persons .PDF
PIOS foreign nationals - with Indian origin
liberalization Email/Hardcopy

9 Details of remittances Remittances made .PDF XBRL Phase III

made by NRO account out of NRO
accounts up to 1
million USD per
calendar year -
Facilities to

©2022 NH Bank. All Rights Reserved Page 56 of 138

 NRIs/PIOs and
foreign nationals -
liberalisation
10 Liberalised Remittance Liberalised .PDF
Scheme Remittance Scheme
of USD 2,50,000 for XBRL Phase III
resident
individuals
11 FIP Progress Progress made in .XLSX
r/o of FI during the
month. EDSP

12 Form VIII (Sec. 24 of the BR Statement of .XLSX

Act, 1949) demand and time
liabilities and
unencumbered
approved securities XBRL Phase II
for ascertaining
maintenance of SLR
and levy of penal
interest for default.
13 Form-X – statement of Monthly assets and .XLS
assets and liabilities liabilities of
domestic
operations XBRL Phase II
estimation of
household financial
savings
14 Monthly Return on Monthly statement .PDF
Aggregate Resources to be furnished to
Raised confirm compliance
with Resource
Raising Norms by Hardcopy
All India Financial
Institutions (EXIM
Bank, NABARD,
NHB and SIDBI)
15 Statement showing details The return .PDF
of counterfeit bank notes comprises of two
detected by the branch parts -
during the month (i) Denomination-
wise and
State/Union
Territory-wise Email
details of forged
notes detected by
the branch
(ii) Details of cases
of FIR filed with
police
16 Outstanding Foreign Total outstanding .XLSX Email
Currency Borrowings foreign currency
(OFCB) borrowings under

©2022 NH Bank. All Rights Reserved Page 57 of 138

 all categories

17 Return on Asset Liability The ALE return .XLSX

and Off-Balance Sheet contains the
Exposures (ALE) granular breakup
of Assets and
liability items along
XBRL Phase II
with details
regarding off
balance sheet and
derivative
exposures-
18 Return on Asset Quality RAQ contains asset .XLSX
(RAQ) classification and
provisioning for the
advances and
investment
portfolio of the
banks. This XBRL Phase II
statement also
contains sector
wise granular
break up of credit
and investment
portfolio
19 Return on Interest Rate IRS captures the .XLSX
Sensitivity- (IRS)- banks exposure to
Traditional Gap & Duration the interest rate XBRL Phase II
Gap risk.

20 Central Repository of CRILC captures .XLSX

Information on Large credit information
Credits (CRILC) – Main of borrowers
having aggregate
XBRL Phase II
fund-based and
non-fund based
exposure of Rs.5
crore and above
21 Basel Liquidity Returns The LCR contains 7 .XLSX XBRL Phase III
(BLR) returns viz. BLR 1,
BLR 2, BLR 3, BLR
4, BLR 5, BLR -6 &
BLR -7 and
monitors that a
bank maintains an
adequate level of
unencumbered
HQLAs that can be
converted into cash
to meet its liquidity
needs for a 30
calendar day time
horizon under a
significantly severe

©2022 NH Bank. All Rights Reserved Page 58 of 138

 liquidity stress
scenario specified
by supervisors.
22 Form I Monthly Return of .DOCX
unclaimed
deposits/credits/
accounts/ in India
which have not
been operated
upon/remained
unclaimed for 10
years or more as on
eKuber
the date of the
return and
transferred to the
DEA Fund Account.
(To be submitted
online to the
Reserve Bank of
India by 15th of the
succeeding month)
23 Form II Monthly return
claiming refund
from the DEA Fund .DOCX
(Original hardcopy
to be submitted by eKuber/Hardcopy
15th of the
succeeding month
to which the claim
pertains)
24 Cross-border remittances Cross-border
arising out of Rupee remittances arising
interest rate derivatives out of Rupee .XLSX
transactions undertaken by interest rate
Email
derivatives
non-residents
transactions
undertaken by non-
residents
25 Interest Rate Return Deposit rates
(erstwhile SMR VIAB) (including NRI .XLSX
(MPD06) deposits), rupee
lending rates
(outstanding as
also on fresh loans
sanctioned) and
foreign currency
export credit of XBRL Phase III
SCBs (excluding
RRBs, SFBs and
PBs), External
Benchmark based
Lending Rate data
of SCBs (excluding
RRBs, SFBs and
PBs)
©2022 NH Bank. All Rights Reserved Page 59 of 138
26 Sector-wise and industry- Analyzing trends in
.XLSX
wise deployment of bank sector- wise and
credit (SIBC)/MPD002 industry-wise bank XBRL Phase III
credit

27 FETERS – Cards Return Details of

international .PDF
transactions using
credit card / debit
card / unified
payment interface
BoP
(UPI) along with
their economic
classification
(merchant category
code – MCC) will be
captured
28 Monthly Return on The return collects .XLSX
information related to data on Personal
Stressed MSME Sub- Loans sanctioned
ordinate Debt Scheme to Promoters of
distressed MSMEs
XBRL Phase III
under CREDIT
GUARANTEE
SCHEME FOR
SUBORDINATE
DEBT- CGSSD
29 Natural Calamity Relief Relief Measures by .PDF
Measures Banks in Areas
affected by Natural EDSP
Calamities

1.10.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.10.5.1 Use Case Diagram:

©2022 NH Bank. All Rights Reserved Page 60 of 138

1.10.5.2 Actor and Actions

Actor Actions
Reporting User Apply date filters

1.10.5.3 Business Requirement

1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of Monthly reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.10.5.4 Triggering Event
When Reporting User open the view page of Monthly reports and apply date filters
1.10.5.5 User Interaction
NA
1.10.5.6 Property sheet
Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

1.10.5.7 Business Rules

NA

1.11 Business Module -Quarterly Reports

Quarterly Reports are the reports, required by bank to submit to RBI on each Quarter.
Use Cases

Use Cases
As Per Annex Document Status
E1.B1 – Quarterly Reports
E1.B1.1 GBS should provide data to Reporting System in form of batch file
at SFTP location/Velocis provides sets of master User interface to be filled In Scope
by Business User
E1.B1.2 Reporting System should run the cron job to read the batch file
In Scope
and store in its local database
E1.B1.3 Reporting User should login in the Middleware application User
In Scope
Interface with its login credentials
E1.B1.4 Reporting User should open the ADF Reports User Interface to
In Scope
generate the Quarterly Reports

©2022 NH Bank. All Rights Reserved Page 61 of 138

 E1.B1.5 Reporting User should be able to apply the date filters in the UI
In Scope
to view report

1.11.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User
GBS should provide the data to middleware in form of batch file.The batch file should be kept by GBS at
some SFTP location from where middleware application should be able to read that file or /Velocis
provides sets of master User interface to be filled by Business User on the basis of which Reporting
system generate the 38 reports of Quarterly frequency.
1.11.1.1 Use Case Diagram:

1.11.1.2 Actor and Actions

Actor Actions
GBS Send Quaterly ADF data to Reporting System

1.11.1.3 Business Requirement

1. GBS should provide data to Velocis Reporting system for generating reports or Velocis provides sets of master
User interface which needs to be filled by Business User and using those master data Reporting system should
generate the Quarterly ADF Reports
2. If GBS is providing the data to Reporting System then it should be in batch file format.
3. Batch file should be kept by GBS at Reporting SFTP location.
1.11.1.4 Triggering Event
When GBS provide the batch file at SFTP location.
1.11.1.5 User Interaction
NA
1.11.1.6 Property sheet
NA
1.11.1.7 Business Rules
NA

©2022 NH Bank. All Rights Reserved Page 62 of 138

1.11.2Use Case Scenario2 - Reporting System should run the cron job to read the batch file and
store in its local database.
Reporting System Should run the cron job,read the batch file from SFTP location and store in it’s local database.

1.11.2.1 Use Case Diagram:

1.11.2.2 Actor and Actions

Actor Actions
Reporting System Run Cron Job
Read batch file
Save data in Local db

1.11.2.3 Business Requirement

Middleware should run the cron job to read the GBS data and save the data in the reporting system database/or
when business user input the data in the master user interface then it should be saved in the Reporting system.
1.11.2.4 Triggering Event
When Reporting System run the cron job after receiving the GBS batch file /Once Business user provides the data
in the master user interfaces.
1.11.2.5 User Interaction
NA

1.11.2.6 Property sheet

NA
©2022 NH Bank. All Rights Reserved Page 63 of 138
1.11.2.7 Business Rules
NA

1.11.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with
its login credentials
1.11.3.1 Use Case Diagram:

1.11.3.2 Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.11.3.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.11.3.4 Triggering Event
When Reporting User access the login page of the Reporting system.
1.11.3.5 User Interaction
NA
1.11.3.6 Property sheet
NA
1.11.3.7 Business Rules
NA
1.11.3.8 Sample Format
NA

©2022 NH Bank. All Rights Reserved Page 64 of 138

1.11.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to
generate the Quarterly Reports.
1.11.4.1 Use Case Diagram:

1.11.4.2 Actor and Actions

Actor Actions
Reporting User View Quarterly Reports
Generate Quarterly Reports

1.11.4.3 Business Requirement

1 Middleware should read the GBS data and prepare required reporting data in its reporting system.
2. Reporting User should view and generate the Quarterly reports from the User Interface.
3. The generated report should meet the required format shared by the business.
4. The below 38 reports should be generated by the Quarterly section of Reporting System

1.-Report Name-ATM deployment:-

ATMs are installed by banks as an Alternate Delivery Channel (ADC). State and region wise number of ATMs
are deployed by banks and WLAOs. White Label ATM (WLA ATM) is a relatively new category of ATMs in India
that are not branded by banks. RBI through this Report monitor position of ATMs deployed by Banks.

2.-Report Name-PPI customer grievances:-

This Report comes in scope when If any PPI customer has a grievance lodges complaint. CEP (Customer
Education & Protection) Cell of RBI monitors details of complaints received, resolved and pending complaints.

©2022 NH Bank. All Rights Reserved Page 65 of 138

 3.-Report Name-Basic Statistical Return - 1 (BSR1):-

This Report is for Outstanding Credit of Scheduled Commercial Banks (SCBs). Based on granular account-level
information, to include various characteristics of bank credit such as occupation/activity and organizational
sector of borrower, type of account, and interest rates. Bank credit classified according to various
characteristics.

4.-Report Name-IBS return:-

The reporting banks need to submit the IBS return through Electronic Data Submission Portal. (EDSP). These
statistics cover Balance Sheets of International active banks. It covers international assets and liabilities of
banks in India.

5.-Report Name-CPIS - Survey Schedule:-

The CPIS is conducted by the Reserve Bank half yearly to collect the required details of the reporting entities.
The Coordinated Portfolio Investment Survey (CPIS) relates to Overseas Portfolio Investment (Equity & Debt).
It is a survey carried out by Bank at national level at initiative of IMF.

6.-Report Name-Remittances under RDA (E-statement):-

Cross- border inward remittances into India under RDA is primarily on private account. The remitter and
beneficiary should be individuals barring a few exceptions. Rupee Drawing Arrangement (RDA) is a channel to
receive cross-border remittances from overseas jurisdictions. Under this arrangement, the Authorized
Category I banks enter into tie-ups with the non-resident Exchange Houses in the FATF compliant countries to
open and maintain their Vostro Account.

7.-Report Name-Issuance of guarantee for Trade Credit:-

This Report is an undertaking by a bank.· A Guarantee is irrevocable, meaning that once issued it cannot be
amended nor canceled. RBI monitors Guarantees issued and closed, under Trade Credit.

8.-Report Name-LO/BO/PO:-

This Report is for establishment of Branch Office (BO)/ Liaison Office (LO)/ Project Office (PO) or any other
place of business in India by Foreign Entities. Consolidated list of all the Branch Office (BO)/ Liaison Office
(LO) / Project Office (PO) opened and closed by them during a month.

©2022 NH Bank. All Rights Reserved Page 66 of 138

 9.-Report Name-KCC:-

The Kisan Credit Card (KCC) scheme was introduced in 1998 for issue of Kisan Credit Cards to farmers on the
basis of their holdings for uniform adoption by the banks so that farmers may use them to readily purchase
agriculture inputs such as seeds, fertilizers, pesticides etc. and draw cash for their production needs. Progress
made in respect of Number of KCC issued and loans outstanding in respect of crop loans and term loans.

10.-Report Name-DAY-NRLM:-

National Rural Livelihoods Mission (DAY-NRLM) is the flagship program of the Ministry of Rural Development
(MoRD) for promoting poverty reduction through building strong institutions for the poor, particularly
women, and enabling these institutions to access a range of financial services. State-wise return on Loans -
Accounts and Amount sanctioned, disbursed and outstanding under this Scheme.

11.-Report Name-Priority Sector Advances–Quarterly:-

Priority sector advances constitute lending to those sectors of the economy which may not get timely and
adequate credit in the absence of this special dispensation. The data on priority sector advances has to be
furnished by banks at quarterly intervals as per revised reporting formats.

12.-Report Name-DAY-NULM Progress:-

National Urban Livelihoods Mission (NULM) purpose is to provide self-employment and skilled wage
employment opportunities to empower the poor.Also the State-wise return ,loans disbursed amount to
individuals, groups and SHGs under NULM Scheme.

13.-Report Name-G-Sec ownership pattern:-

The ownership pattern of Central Government securities indicates the share of commercial banks. Constituent
wise ownership pattern of Government securities held in Gilt accounts.

14.-Report Name-RBI note refund rules - statement of defective notes adjudicated at all bank
branches:-
The notes so presented shall be accepted, exchanged and adjudicated in accordance with Reserve Bank of
India (Note Refund) Rules. Statement of defective notes adjudicated at currency chest branches.

15.-Report Name-FNVC to submit status report covering certain important aspects of the functions
required to be undertaken by it:-.

The status report should cover dissemination and implementation of RBI instructions on counterfeit notes,
compilation of data on counterfeit notes and its submission to RBI and FIU-IND , sharing information thus
compiled with bank's CVO,conducting surprise checks at currency chests where shortage/ counterfeit notes
detected,ensuring operation of NSMs at all currency chests/back offices, ensuring only machine checked notes

©2022 NH Bank. All Rights Reserved Page 67 of 138

 fed into ATMs, put in place adequate safeguards during processing and in transit of notes etc. Detection and
and Impounding of counterfeit notes.

16.-Report Name-Exposure in Foreign Exchange and Amount of Exposure Hedged:-

One way that firms can limit their exposure to changes in the exchange rate is to implement a hedging
strategy. By purchasing currency swaps or hedging through futures contracts, a company is able to lock in a
rate of currency exchange for a set period of time and minimize translation risk. Consolidated information
relating to exposures of corporates in foreign currency.

17.-Report Name-Suspicious Transactions undertaken by Non-Resident Importer/Exporter:-

Residents having a foreign currency liability and undertaking a foreign shall be computed separately for
import/export transaction. Doubtful transactions involving frequent cancellation of hedge transaction and/or
the underlying trade transactions.

18.-Report Name-Return on Capital Adequacy-III (RCA - III):-

This report presents the findings of the RCAP Assessment Team on the domestic adoption of the Basel risk-
based capital standards in India and its consistency. Computation of capital base, computation of risk
weighted assets; and risk based capital as per BASEL III Capital Adequacy framework.

19.-Report Name-Return on Operating Results (ROR):-

A rate of return (RoR) is the net gain or loss of an investment over a specified time period, expressed as a
percentage of the investment's initial cost. ROR is a measure of company profitability based on the amount of
revenue generated. Return on revenue compares the amount of net income. Return on Revenue compares the
amount of net income. Quarterly reporting of P&L statement containing granular break up of interest income
and interest expenses.

20.-Report Name-Risk Based Supervision Return (RBS):-

The risk-based approach will make supervisors efforts to detect and prevent the financial flows that fuel crime
and terrorism more effective. This is crucial, because it is better to detect and prevent money laundering and
terrorist financing than to prosecute it after a crime has occurred. RBS captures information on Rating wise
distribution of standard advances, Rating distribution of non-SLR investments, Sale of loans and securitisation
, Credit card business carried out by the bank or through its subsidiaries, Disbursements and outstanding
housing finance and Details of infrastructure finance.

21.-Report Name-Return on Large Credits (RLC):-

Section 1 of RLC captures all individual borrowers (excluding banks) having exposure in excess of 15% of
regulatory capital or a minimum of top 50 large borrowers. In section 2, All borrower groups having total
exposure in excess of 30 % of bank’s capital funds or a minimum of 50 large borrower groups should be

©2022 NH Bank. All Rights Reserved Page 68 of 138

 reported irrespective of the percentage of such exposure to bank’s capital funds; Section 3 captures exposure
to top 20 exposure to banks irrespective of the percentage of such exposures to the bank’s capital funds.

22.-Report Name-Return on Asset Liability and Off-Balance Sheet Exposures (ALO):-

Off-balance-sheet items are contingent assets or liabilities such as unused commitments, letters of credit, and
derivatives. These items may expose institutions to credit risk, liquidity risk, or counter-party risk, which is
not reflected on the sector's balance sheet. Branch wise break up of assets and liabilities on the basis of
residual maturity / next repricing date, gap, off balance sheet exposures, unreconciled entries with other
branches, with other Indian banks branches in same foreign centre and accounts with other banks.

23.-Report Name-Return on Large Exposures (RLE):-

The Guidelines on large Exposures breaches and time and measures to return to compliance define the criteria
that competent authorities should use to assess a breach of the large exposure limits. The guidelines also
provide competent authorities with a set of criteria to determine the appropriate time that they could grant
institutions to return to compliance with the large exposure limits. This return captures the reporting of large
exposures and investments made during the quarter is divided into three sections- Listing of customers
having limits or outstanding of US$ 5 million & above, listing of new customers having limits or outstanding of
US$ 1 to 5 million and investments made during the quarter amounting to more than US$ 1 million.

24.-Report Name-Return on Country Exposures and Maturity (CEM):-

The current exposure method (CEM) is a system used by financial institutions to measure the risks around
losing anticipated cash flows from their derivatives portfolios due to counter party default. The standardized
approach for measuring counter-party credit risk exposures includes a comprehensive, non-modeled
approach for measuring counter-party credit risk associated with OTC derivatives, exchange-traded
derivatives, and long settlement transactions. The new standardized approach (SA-CCR) replaces both the
Current Exposure Method (CEM) and the Standardized Method (SM) in the capital adequacy framework. CEM
captures country-wise concentration of credit exposures at each overseas geography.

25.-Report Name-Return on Profitability (ROP):-

ROE this ratio calculates how much money is made based on the investors' investment in the
company.investors want to see a high return on equity ratio. Return on Asset (ROA): ROA is the profit ratio
that shows the bank's ability to make a profit over their whole assets affianced in the banking. ROP captures
the profitability numbers for the current quarter and the cumulative position(YTD) of all the overseas
branches.

26.-Report Name-Leverage Ratio (Leverage):-

A leverage ratio is any one of several financial measurements that assesses the ability of a company to meet its
financial obligations. A leverage ratio may also be used to measure a company's mix of operating expenses to
get an idea of how changes in output will affect operating income. 5 of the most commonly used leverage

©2022 NH Bank. All Rights Reserved Page 69 of 138

 ratios: Debt-to-Assets Ratio = Total Debt / Total Assets. Debt-to-Equity Ratio = Total Debt / Total Equity. Debt-
to-Capital Ratio = Today Debt / (Total Debt + Total Equity). Statement captures the key drivers for Basel III
leverage ratio.

27.-Report Name-FMR–3:-

Quarterly Progress Report on Frauds. Banks are required to submit case-wise quarterly progress reports on
frauds involving Rs. 1.00 lakh and above (including cases where there are no developments) in the format
given in FMR - 3 to the Central Office of RBI, as well as the concerned Regional Office of the RBI within 15 days
of the end of the quarter to which they relate.Fraud cases closed during the quarter are required to be
reported in quarterly return FMR 3 and cross checked with relevant column in FMR-2.

28.-Report Name-FMR-4:-

Report on Dacoities/Robberies/ Thefts /Burglaries. Banks are also required to submit a quarterly
consolidated statement (FMR-4) to RBI Central Office/RO within 15 days of the end of the quarter.

29.-Report Name-Financial Soundness Indicators (FSI):-

Financial Soundness Indicators - Earnings and profitability - Return on assets Return on equity Interest
margin to gross income Noninterest expenses to gross income. Liquidity - Liquid assets to total assets (liquid
asset ratio) Liquid assets to short-term liabilities. Data is collected for furnishing consolidated FSIs to IMF.

30.-Report Name-Report of Commodity Hedging in Overseas Market (w.e.f April 01, 2018):-

RBI had earlier constituted a working Group to review the guidelines for Hedging of Commodity Price Risk by
Residents in overseas markets. Based on the report of the working group and comments received on the
report, draft directions for hedging of commodity price risk and freight risk were released for comments on
Jan 12, 2018. Based on the feedback to the draft directions, the Hedging of Commodity Price Risk and Freight
Risk in Overseas Markets (Reserve Bank) Directions, 2018 have been finalized and are enclosed herewith. The
revised directions shall come into force from April 1, 2018. Report of commodity Hedging in Overseas Market.

31.-Report Name-Return on Connected Exposure (RCE):-

A bank’s exposures to its counter-parties may result in concentration of its assets to a single counter-party or
a group of connected counter-parties. This is an issue which requires to be addressed. To remove this
anomaly the Reserve Bank, in March 1989, fixed limits on bank exposures to an individual business concern
and to business concerns of a group. RBI’s prudential exposure norms have evolved since then and a bank’s
exposure to a single borrower and a borrower group is currently restricted to 15 percent and 40 percent of
capital funds respectively. A comprehensive policy framework on the subject is consolidated in the Master
Circular – Exposure Norms/Master Direction – Prudential Norms on Banks’ Exposures.

©2022 NH Bank. All Rights Reserved Page 70 of 138

 32.-Report Name-Large Exposure Framework Return (LEF):-

Large Exposure Framework (LEF) guidelines are guidelines aimed to monitor and limit losses of a bank from a
client or corporation. It is based on the 2014 Basel guidelines. A large exposure is defined as any exposure to a
counter-party or group of counter-parties which is equal to 10 per cent of the bank's eligible capital base
(defined as tier-I capital). available eligible capital base. The final guidelines of RBI on banks’ exposure to large
companies referring to lender’s total advances to a single company is now decided that it cannot be higher
than 20 per cent of its capital base.

33.-Report Name-Interest Rate Risk Positions for clients:-

Interest rate risk is the potential that a change in overall interest rates will reduce the value of a bond or other
fixed-rate investment: As interest rates rise bond prices fall, and vice versa. This means that the market price
of existing bonds drops to offset the more attractive rates of new bond issues. Hedging. Investors and traders
could mitigate interest rate risk by setting up positions that hedged against the possibility that bonds could
lose value. This is a defensive investment strategy that's designed to minimize losses, rather than maximize
profits.

34.-Report Name-FX- Transactions- Retail platform:-

FX-Retail platform provides for an order driven dealing in the USD/INR currency pair for the Customers of
banks. The Customers can access the platform. FX-Retail - An electronic trading platform for buying or selling
foreign exchange by retail customers of Banks: A trading platform is expected to provide the much-needed
transparency and at the same time enhance competition and lead to better pricing for the customer. The
distribution of customer transactions (across FX-Retail, other electronic trading platforms and other channels)
and the fees charged by them.

35.-Report Name-Return on Complaints:-

The first step in handling customer complaints and returns is to listen to the customer and empathize with
their problem.This report is for customer returns and complaints. Dealing with complaints, understanding
when to resolve an issue and providing remedies for faulty products and services.

36-Report Name-Monitoring Progress of Financial Inclusion (MPFI)- Quantitative Return (Template-

I):-

FIP template has been revised and rechristened as “Monitoring Progress of Financial. Inclusion (MPFI)”.
Anchored in the country's development priorities, the NSFI 2019-2024 seeks to address the inherent barriers
of access to a gamut of financial products. It is for Monitoring Progress of Financial Inclusion. Also to measure
the progress of FI during the quarter in sync with recommendations of NSFI.

©2022 NH Bank. All Rights Reserved Page 71 of 138

 37-Report Name-Natural Calamity Relief Measures- Quarterly:-

The NDRF framework currently recognizes twelve types of natural calamities viz. cyclone, drought,
earthquake, fire, flood, tsunami, hailstorm. The devastation caused by a natural calamity calls for massive
rehabilitation effort from all agencies. RBI Relief Measures It provides relief to borrowers when economic
activity comes to a halt and offers moratorium on repayment of loans. The guidelines have so far been mostly
invoked in areas affected by natural calamities and not for a law and order situation in the recent past.

38.-Report Name-D-QPSA:-

A qualified pre-retirement survivor annuity (QPSA) provides monetary distribution to a surviving spouse of a
deceased employee. The banks should continue to report the actual outstanding amount in QPSA returns as
hitherto. An ad-hoc return, for collection of district-wise credit data (Loan outstanding) for the select PS target
items in order to ensure timely computation of PS Shortfall allocation for RIDF, for the period FY:2021-22
onwards.

1.11.4.4 Triggering Event

When Reporting User open the User Interface of Quarterly Reports

1.11.4.5 User Interaction

NA
1.11.4.6 Property sheet
NA
1.11.4.7 Business Rules
NA

1.11.4.8 Sample Format

Report Report Name Report Description File Format Report Reporting

Serial Attachment Platform
1 ATM deployment State and region wise .XLSX
number of ATMs
deployed by banks and Email
WLAOs

2 PPI customer grievances Details of complaints .PDF XBRL Phase

received/ resolved/ III
pending against PPI
issuers

©2022 NH Bank. All Rights Reserved Page 72 of 138

3 Basic Statistical Return - 1 Bank credit classified .DOCX
(BSR1) according to various
characteristics EDSP

4 IBS return International assets and .PDF

liabilities of banks in
India EDSP

5 CPIS - Survey Schedule Co-ordinated Portfolio .XLSX

Investment Survey -
overseas portfolio SMS
investment (Equity and
Debt)
6 Remittances under RDA (E- To know the inflow .XLSX
statement) received under RDA
XBRL Phase
II

7 Issuance of guarantee for Guarantees issued .DOCX

Trade Credit XBRL Phase
II

8 LO/BO/PO Consolidated list of all .XLS

the Branch Office (BO)/
Liaison Office (LO) /
Email
Project Office (PO)
opened and closed by
them during a month
9 KCC Progress made in respect .XLSX
of Number of KCC issued
and loans outstanding in EDSP
respect of crop loan and
term loan
10 DAY-NRLM State-wise return - loans .XLSX
sanctioned: accounts and
amount, loans disbursed:
accounts and amount, EDSP
Loan Outstanding:
accounts and amount
under NRLM scheme
11 Priority Sector PSA and sectoral credit - .XLSX
Advances–Quarterly Bank-wise
Email

12 DAY-NULM Progress State-wise return- loans .XLSX EDSP

disbursed: accounts and
amount, to individuals,
©2022 NH Bank. All Rights Reserved Page 73 of 138
 groups and SHGs under
NULM scheme
13 G-Sec ownership pattern Constituent-wise .XLS
ownership pattern of
Government securities Email
held in Gilt accounts

14 RBI note refund rules - Statement of defective .XLSX

statement of defective notes adjudicated at
notes adjudicated at all currency chests branches Email
bank branches

15 FNVC to submit status The status report should .PDF

report covering certain cover dissemination and
important aspects of the implementation of RBI
functions required to be instructions on
counterfeit notes,
undertaken by it.
compilation of data on
counterfeit notes and its
submission to RBI and
FIU-IND , sharing
information thus
compiled with bank's
CVO,conducting surprise
checks at currency chests Email
where
shortage/counterfeit
notes detected,ensuring
operation of NSMs at all
currency chests/back
offices, ensuring only
machine checked notes
fed into ATMs, put in
place adequate
safeguards during
processing and in transit
of notes etc.
16 Exposure in Foreign Consolidated information .XLSX
Exchange and Amount of relating to exposures of
corporates in foreign XBRL Phase
Exposure Hedged
currency II

17 Suspicious Transactions Doubtful transactions .XLSX

undertaken by Non- involving frequent
Resident cancellation of hedge
Email
Importer/Exporter transactions and / or the
underlying trade
transactions.
18 Return on Capital Computation of capital .XLSX XBRL Phase
Adequacy-III (RCA - III) base; computation of risk II
weighted assets; and risk
based capital as per
BASEL - III Capital
©2022 NH Bank. All Rights Reserved Page 74 of 138
 Adequacy framework
19 Return on Operating Quarterly reporting of .XLSX
Results (ROR) P&L statement
containing granular XBRL Phase
break up of interest II
income and interest
expenses
20 Risk Based Supervision RBS captures .XLSX
Return (RBS) information on Rating
wise distribution of
standard advances,
Rating distribution of
non-SLR investments,
Sale of loans and XBRL Phase
securitisation , Credit
card business carried out II
by the bank or through
its subsidiaries,
Disbursements and
outstanding housing
finance and Details of
infrastructure finance
21 Return on Large Credits Section 1 of RLC captures .XLSX
(RLC) all individual borrowers
(excluding banks) having
exposure in excess of
15% of regulatory capital
or a minimum of top 50
large borrowers. In
section 2, All borrower
groups having total
exposure in excess of 30
% of bank’s capital funds XBRL Phase
or a minimum of 50 large
borrower groups should II
be reported irrespective
of the percentage of such
exposure to bank’s
capital funds; Section 3
captures exposure to top
20 exposure to banks
irrespective of the
percentage of such
exposures to the bank’s
capital funds.
22 Return on Asset Liability Branch wise break up of .XLSX XBRL Phase
and Off-Balance Sheet assets and liabilities on II
Exposures (ALO) the basis of residual
maturity / next repricing
date, gap, off balance
sheet exposures,
unreconciled entries with
other branches, with
other Indian banks
branches in same foreign
centre and accounts with
©2022 NH Bank. All Rights Reserved Page 75 of 138
 other banks
23 Return on Large Exposures This return captures the .XLSX
(RLE) reporting of large
exposures and
investments made during
the quarter is divided
into three sections-
Listing of customers
having limits or XBRL Phase
outstanding of US$ 5 II
million & above, listing of
new customers having
limits or outstanding of
US$ 1 to 5 million and
investments made during
the quarter amounting to
more than US$ 1 million.
24 Return on Country CEM captures country- .XLSX
Exposures and Maturity wise concentration of
credit exposures at each XBRL Phase
(CEM)
overseas geography II

25 Return on Profitability ROP captures the .XLSX

(ROP) profitability numbers for
the current quarter and XBRL Phase
the cumulative II
position(YTD) of all the
overseas branches
26 Leverage Ratio (Leverage) Statement captures the .XLSX
key drivers for Basel III
leverage ratio XBRL Phase
III

27 FMR–3 Update of Form FMR-1 .XLSX

XBRL Phase
II

28 FMR-4 Report on Dacoities / .XLSX

Robberies / Theft /
Burglaries XBRL Phase
II

29 Financial Soundness Data is collected for .XLSX

Indicators (FSI) furnishing consolidated
FSIs to IMF. XBRL Phase
III

30 Report of Commodity Report of Commodity .XLSX XBRL Phase

Hedging in Overseas Hedging in Overseas III
Market (w.e.f April 01, Market
2018)
©2022 NH Bank. All Rights Reserved Page 76 of 138
31 Return on Connected Return on Connected .XLSX
Exposure (RCE) Exposure
XBRL Phase
III

32 Large Exposure Large Exposures .XLSX

Framework Return (LEF) Framework
XBRL Phase
III

33 Interest Rate Risk Positions Interest Rate Risk .XLSX

for clients Positions for clients
having outstanding Email
derivative of Rs.10 billion

34 FX- Transactions- Retail The distribution of .XLSX

platform customer transactions
(across FX-Retail, other
electronic trading Email
platforms and other
channels) and the fees
charged by them
35 Return on Complaints Data on customer .XLSX
compliants
XBRL Phase
III

36 Monitoring Progress of To measure the progress .XLSX

Financial Inclusion (MPFI)- of FI during the quarter
Quantitative Return in sync with ADEPT
(Template-I) recommendations of
NSFI.
37 Natural Calamity Relief Relief Measures by Banks .XLSX
Measures- Quarterly in Areas affected by
Natural Calamities EDSP

38 D-QPSA An ad-hoc return, for .XLSX

collection of district-wise
credit data (Loan
outstanding) for the
select PS target items in
Email
order to ensure timely
computation of PS
Shortfall allocation for
RIDF, for the period
FY:2021-22 onwards

©2022 NH Bank. All Rights Reserved Page 77 of 138

1.11.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.11.5.1 Use Case Diagram:

1.11.5.2 Actor and Actions

Actor Actions
Reporting User Apply date filters

1.11.5.3 Business Requirement

1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of Quarterly reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.11.5.4 Triggering Event
When Reporting User open the view page of Quarterly reports and apply date filters
1.11.5.5 User Interaction
NA
1.11.5.6 Property sheet
Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

1.11.5.7 Business Rules

NA

©2022 NH Bank. All Rights Reserved Page 78 of 138

1.12 Business Module -Half-yearly Reports
Half- yearly Reports are the reports, required by bank to submit to RBI on each Half of the year.
Use Cases

Use Cases
As Per Annex Document Status
E1.B1 – Half-yearly Reports
E1.B1.1 GBS should provide data to Reporting System in form of batch file
at SFTP location/Velocis provides sets of master User interface to be filled In Scope
by Business User
E1.B1.2 Reporting System should run the cron job to read the batch file
In Scope
and store in its local database
E1.B1.3 Reporting User should login in the Middleware application User
In Scope
Interface with its login credentials
E1.B1.4 Reporting User should open the ADF Reports User Interface to
In Scope
generate the Half-yearly Reports
E1.B1.5 Reporting User should be able to apply the date filters in the UI
In Scope
to view report

1.12.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User
GBS should provide the data to middleware in form of batch file.The batch file should be kept by GBS at
some SFTP location from where middleware application should be able to read that file or /Velocis
provides sets of master User interface to be filled by Business User on the basis of which Reporting
system generate the 8 reports of Half-yearly frequency.
1.12.1.1 Use Case Diagram:

1.12.1.2 Actor and Actions

Actor Actions
GBS Send Half-yearly ADF data to Reporting
System

1.12.1.3 Business Requirement

©2022 NH Bank. All Rights Reserved Page 79 of 138

1. GBS should provide data to Velocis Reporting system for generating reports or Velocis provides sets of master
User interface which needs to be filled by Business User and using those master data Reporting system should
generate the Half-yearly ADF Reports
2. If GBS is providing the data to Reporting System then it should be in batch file format.
3. Batch file should be kept by GBS at Reporting SFTP location.
1.12.1.4 Triggering Event
When GBS provide the batch file at SFTP location.
1.12.1.5 User Interaction
NA
1.12.1.6 Property sheet
NA
1.12.1.7 Business Rules
NA

1.12.2Use Case Scenario2 - Reporting System should run the cron job to read the batch file and
store in its local database.
Reporting System Should run the cron job,read the batch file from SFTP location and store in it’s local database.

1.12.2.1 Use Case Diagram:

©2022 NH Bank. All Rights Reserved Page 80 of 138

1.12.2.2 Actor and Actions

Actor Actions
Reporting System Run Cron Job
Read batch file
Save data in Local db

1.12.2.3 Business Requirement

Middleware should run the cron job to read the GBS data and save the data in the reporting system database/or
when business user input the data in the master user interface then it should be saved in the Reporting system.
1.12.2.4 Triggering Event
When Reporting System run the cron job after receiving the GBS batch file /Once Business user provides the data
in the master user interfaces.
1.12.2.5 User Interaction
NA

1.12.2.6 Property sheet

NA

1.12.2.7 Business Rules

NA

©2022 NH Bank. All Rights Reserved Page 81 of 138

1.12.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with
its login credentials
1.12.3.1 Use Case Diagram:

1.12.3.2 Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.12.3.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.12.3.4 Triggering Event
When Reporting User access the login page of the Reporting system.
1.12.3.5 User Interaction
NA
1.12.3.6 Property sheet
NA
1.12.3.7 Business Rules
NA
1.12.3.8 Sample Format
NA

1.12.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to
generate the Half-yearly Reports.
1.12.4.1 Use Case Diagram:

©2022 NH Bank. All Rights Reserved Page 82 of 138

1.12.4.2 Actor and Actions

Actor Actions
Reporting User View Half-yearly Reports
Generate Half-yearly Reports

1.12.4.3 Business Requirement

1 Middleware should read the GBS data and prepare required reporting data in its reporting system.
2. Reporting User should view and generate the Half-yearly reports from the User Interface.
3. The generated report should meet the required format shared by the business.
4. The below 8 reports should be generated by the Half-yearly section of Reporting System

1.- Report Name-Credit to Minority Community

The Reserve Bank of India has issued guidelines/instructions/directives to banks to ensure that minority
communities receive fair and adequate access to bank credit. The Report covers advances granted to specified
minority communities vis-a-vis PS advances.

2.-Report Name-Framework for Revival and Rehabilitation of Micro, Small and Medium Enterprises
(MSMEs)

©2022 NH Bank. All Rights Reserved Page 83 of 138

 Revival and Rehabilitation Policy of MSMEs aims at providing simpler and faster mechanism to resolve the
stress in MSMEs .Also to know the stress in the accounts of MSMEs and to facilitate the promotion and
development of MSMEs accounts and facilitate promotion and development of MSMEs.

3.-Report Name-Return on Ownership and Control (ROC)

These documents contain thorough information about the companies, their net worth, shareholding and
ownership pattern and detailed financial statements. ROC captures details of ownership pattern of the Bank
and details of Executive/ Whole Time Directors and Non-Executive Directors including details of other
companies in such any of such officials are interested along with nature of interests.

4.-Report Name-Half-Yearly Review of Investment Portfolio

An investment portfolio review is an assessment of your investment portfolio to evaluate whether it's aligned
with your financial goals, risk tolerance, and tax efficiency objectives. It involves analyzing your asset
allocation, diversification, risk exposure, management expenses, ownership costs, and tax strategies. Regular
Portfolio reviews are a great opportunity for you to assess your progress toward your financial future, and
ensure your portfolio hasn't drifted away from the asset allocation that best matches your risk tolerance and
time horizon. Qualitative/ Quantitative review of entire investment portfolio of the bank for the half year.

5.-Report Name-Form III

Reporting is done as per the Depositors Education Awareness Fund (DEAF) Scheme of RBI. Some of such
reports are Form-I, Form-II, Form-III etc. FORM III- Certificate of Reconciliation of balances for the half year
ended. September/March, original hardcopy duly signed by 2 executives .

6.-Report Name-Statement on default in MTT

AD bank shall ensure one-to-one matching in case of each MTT and report defaults in any leg to the concerned
Regional Office of the Reserve Bank . AD bank shall ensure one-to-one matching in case of each MTT and
report defaults in any leg by the traders to the concerned Regional Office. The Merchanting Trade transactions
guidelines are revised and released by RBI periodically in the latest revised RBI guidelines.

7.-Report Name-Extension of time in respect of clean credit for import of rough, cut and polished
diamonds.

This report is related to clean credit on import of rough, cut and polished diamonds .AD banks may allow such
extension of time up to a maximum period of 180 days Clean Credit on Import of Rough, Cut and Polished
Diamonds . AD banks may allow such extension of time up to a maximum period of 180 days. RBI may extend
the time limit under special circumstances.
8.-Report Name-Advance remittances made for import of rough diamonds without a bank guarantee
or standby letter of credit, where the amount of advance payment is equivalent to or exceeds USD
5,000,000.

©2022 NH Bank. All Rights Reserved Page 84 of 138

 AD Category - I banks are required to submit a report of all such advance remittances made without a bank
guarantee or standby letter of credit, where the amount of advance payment is equivalent to or exceeds USD
5,000,000/- (USD five million only), to the concerned Regional Office of Reserve Bank of India. RBI is the
Reviewing Authority for USD 5,000,000/- Advance remittances made for import of rough diamonds without a
bank guarantee or standby letter of credit.

1.12.4.4 Triggering Event

When Reporting User open the User Interface of Half-yearly Reports

1.12.4.5 User Interaction

NA
1.12.4.6 Property sheet
NA
1.12.4.7 Business Rules
NA

1.12.4.8 Sample Format

Report Report Name Report Description File Format Report Reporting

Serial Attachment Platform
1 Credit to Minority Community Priority sector advances .XLSX
sanctioned to members
of specified minority
EDSP
communities vis-à-vis
overall priority sector
advances
2 Framework for Revival and To know the stress in the .XLSX
Rehabilitation of Micro, Small accounts of MSMEs and
and Medium Enterprises to facilitate the EDSP
(MSMEs) promotion and
development of MSMEs
3 Return on Ownership and ROC captures details of .XLSX
Control (ROC) ownership pattern of the
bank and details of
Executive / Whole Time
Directors and Non- XBRL Phase
Executive Directors
including details of other II
companies in such any of
such officials are
interested along with
nature of interests.
4 Half-Yearly Review of Qualitative/ Quantitative .PDF Hardcopy
Investment Portfolio review of entire
investment portfolio of
the bank for the half year
©2022 NH Bank. All Rights Reserved Page 85 of 138
5 Form III Certificate of .DOCX
reconciliation of
balances for the Half
Year ended
Hardcopy
June/December to be
submitted by banks not
later than July 31 and
January 31
6 Statement on default in Statement on default in .PDF
MTT Merchanting Trade
Transactions (MTT) Hardcopy

7 Extension of time in Extension of time in Format not

respect of clean credit for respect of clean credit prescribed by
for import of rough, cut RBI Hardcopy
import of rough, cut and
polished diamonds and polished diamonds
8 Advance remittances made Advance remittances
for import of rough made for import of .PDF
diamonds without a bank rough diamonds without
guarantee or standby letter a bank guarantee or
standby letter of credit, Hardcopy
of credit, where the
where the amount of
amount of advance advance payment is
payment is equivalent to or equivalent to or exceeds
exceeds USD 5,000,000 USD 5,000,000/-

1.12.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.12.5.1 Use Case Diagram:

1.12.5.2 Actor and Actions

Actor Actions
Reporting User Apply date filters
©2022 NH Bank. All Rights Reserved Page 86 of 138
1.12.5.3 Business Requirement
1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of Half-yearly reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.12.5.4 Triggering Event
When Reporting User open the view page of Half-yearly reports and apply date filters
1.12.5.5 User Interaction
NA
1.12.5.6 Property sheet
Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

1.12.5.7 Business Rules

NA

1.13 Business Module -Yearly Reports

Yearly Reports are the reports, required by bank to submit to RBI at end of the year.
Use Cases

Use Cases

©2022 NH Bank. All Rights Reserved Page 87 of 138

 As Per Annex Document Status
E1.B1 – Yearly Reports
E1.B1.1 GBS should provide data to Reporting System in form of batch file
at SFTP location/Velocis provides sets of master User interface to be filled In Scope
by Business User
E1.B1.2 Reporting System should run the cron job to read the batch file
In Scope
and store in its local database
E1.B1.3 Reporting User should login in the Middleware application User
In Scope
Interface with its login credentials
E1.B1.4 Reporting User should open the ADF Reports User Interface to
In Scope
generate the Yearly Reports
E1.B1.5 Reporting User should be able to apply the date filters in the UI
In Scope
to view report

1.13.1 Use Case Scenario1 - GBS should provide data to middleware in form of batch file at SFTP
location/Velocis provides sets of master User interface to be filled by Business User
GBS should provide the data to middleware in form of batch file.The batch file should be kept by GBS at
some SFTP location from where middleware application should be able to read that file or /Velocis
provides sets of master User interface to be filled by Business User on the basis of which Reporting
system generate the 16 reports of Yearly frequency.
1.13.1.1 Use Case Diagram:

1.13.1.2 Actor and Actions

Actor Actions
GBS Send Yearly ADF data to Reporting System

1.13.1.3 Business Requirement

1. GBS should provide data to Velocis Reporting system for generating reports or Velocis provides sets of master
User interface which needs to be filled by Business User and using those master data Reporting system should
generate the Yearly ADF Reports
2. If GBS is providing the data to Reporting System then it should be in batch file format.
3. Batch file should be kept by GBS at Reporting SFTP location.
1.13.1.4 Triggering Event
When GBS provide the batch file at SFTP location.
1.13.1.5 User Interaction
NA
©2022 NH Bank. All Rights Reserved Page 88 of 138
1.13.1.6 Property sheet
NA
1.13.1.7 Business Rules
NA

1.13.2Use Case Scenario2 - Reporting System should run the cron job to read the batch file and
store in its local database.
Reporting System Should run the cron job,read the batch file from SFTP location and store in it’s local database.

1.13.2.1 Use Case Diagram:

1.13.2.2 Actor and Actions

Actor Actions
Reporting System Run Cron Job
Read batch file
Save data in Local db

1.13.2.3 Business Requirement

Middleware should run the cron job to read the GBS data and save the data in the reporting system database/or
when business user input the data in the master user interface then it should be saved in the Reporting system.
1.13.2.4 Triggering Event

©2022 NH Bank. All Rights Reserved Page 89 of 138

When Reporting System run the cron job after receiving the GBS batch file /Once Business user provides the data
in the master user interfaces.
1.13.2.5 User Interaction
NA

1.13.2.6 Property sheet

NA

1.13.2.7 Business Rules

NA

1.13.3 Use Case Scenario3- Reporting User should login in the Middleware application User Interface with
its login credentials
1.13.3.1 Use Case Diagram:

1.13.3.2 Actor and Actions

Actor Actions
Reporting User Login to Reporting System

1.13.3.3 Business Requirement

1. Reporting User Role should be created in the Middleware(Role creation Master details is shared in payment
System SRS)
2. Reporting User should be able to login in Reporting system to view ADF Reports.
1.13.3.4 Triggering Event
When Reporting User access the login page of the Reporting system.
1.13.3.5 User Interaction
NA
1.13.3.6 Property sheet
NA
1.13.3.7 Business Rules
©2022 NH Bank. All Rights Reserved Page 90 of 138
NA
1.13.3.8 Sample Format
NA

1.13.4 Use Case Scenario4- Reporting user should open the ADF Returns User Interface to
generate the Yearly Reports.
1.13.4.1 Use Case Diagram:

1.13.4.2 Actor and Actions

Actor Actions
Reporting User View Yearly Reports
Generate Yearly Reports

1.13.4.3 Business Requirement

1 Middleware should read the GBS data and prepare required reporting data in its reporting system.
2. Reporting User should view and generate the yearly reports from the User Interface.
3. The generated report should meet the required format shared by the business.

4. The below 16 reports should be generated by the yearly section of Reporting System
1.-Report Name-Basic Statistical Return - 2 (BSR2):-

Branch-wise data on type of deposits, maturity pattern of term deposits and number of employees are
collected by RBI. Classification of deposits with SCBs and the employment details.

©2022 NH Bank. All Rights Reserved Page 91 of 138

 2.-Report Name-ITBS - Survey Schedule:-

The survey, conducted annually since 2006-07, provides information on financial services rendered by
branches/ subsidiaries/joint ventures of Indian banks operating abroad and branches/subsidiaries of foreign
banks operating in India, based on explicit/implicit fees/ commission charged to customers. Survey on
International Trade in Banking Services (ITBS) collects information on various banking services rendered by
Indian Banks operating abroad and foreign banks operating in India.

3.-Report Name-Priority Sector Advances– Annual:-

Priority sector advances constitute lending to those sectors of the economy which may not get timely and
adequate credit in the absence of this special dispensation. The data on priority sector advances has to be
furnished by banks at annual intervals as per revised reporting formats.

4.-Report Name-DRI Advances:-

Under DRI Scheme, banks provide finance at a concessional rate of interest of 4 per cent per annum to weaker
sections of community for engaging in productive and gainful activities. It covers sanctions, disbursements,
demand, recovery, overdues and recovery of DRI advances.

5.-Report Name-Special Return II (Recovery of Direct Agriculture Loan):-

Enforcement of provisions on mortgaged farm land is generally done through the Revenue Recovery Act of
states, Recovery of Debt and Bankruptc. Statewise return (July to June on demand, recovery, overdues and
outstandings of direct finance to agriculture (short term loans and term loans separately).

6.-Report Name-DAY-NULM Target:-

To reduce poverty and vulnerability of the urban poor households by enabling them to access gainful self
employment and skilled wage employment opportunities,resulting in an appreciable improvement in their
livelihoods on a sustainable basis,through building strong grassroots level institutions of the poor. Statewise
return with targets for self-employment program (SEP) for individuals, group and SHGs under NULM scheme.

7.-Report Name-Form IX (Sec. 26 of the BR Act, 1949):-

It is the Return of unclaimed deposits.Every banking company shall, within thirty days after the close of each
calendar year, submit a return in the prescribed form. Return of unclaimed deposit accounts in India which
have not been operated upon for 10 years or more as on the date of the return. To be submitted on yearly
basis within one month.

8.-Report Name-Balance Sheet of SCBs (Sec. 31 of the BR Act, 1949):-

©2022 NH Bank. All Rights Reserved Page 92 of 138

 Banking regulation act 1949 has given some rules for making balance sheet of any bank who is working in
India or whose corporate office in India. This law's schedule III and its form A will be given as guide for
making balance sheet of a bank. Submission of duly audited Balance Sheet and Profit & Loss account.

9.-Report Name-Certificate regarding continuance of the “fit and proper” status of all major
shareholder:-

Certificate regarding continuance of the “fit and proper” status of all major shareholders. In case any major
shareholder is assessed to be not “fit and proper”, the concerned bank shall report the same immediately in
Form D specified in the Schedule to extant Master Directions.

10.-Report Name-Format for furnishing addresses etc., particulars of Forged Note Vigilance Cell
(FNVC) to RBI:-

In no case, the Counterfeit Notes shall be returned to the tenderer or destroyed by the bank branches. Failure
of the banks to impound Counterfeit Notes detected at their end will be construed as wilful involvement of the
bank concerned in circulating Counterfeit Notes and penalty will be imposed.

11.-Report Name-List of Offices/Branches of AD Bank Maintaining Rupee Accounts of Non-Resident

Banks:-

This Report is related to Rupee Accounts of Non-Resident Banks, Inter-Bank Dealings, Foreign Exchange and
Designated branches of AD Category I banks maintaining accounts of FIIs. List of all offices and branches of an
AD Bank, which are maintaining Rupee accounts of non-resident banks.

12.-Report Name-Balance Sheet Analysis (BSA):-

A balance sheet reflects the company's position by showing what the company owes and what it owns. You
can learn this by looking at the different accounts and their values under assets and liabilities. You can also see
that the assets and liabilities are further classified into smaller categories of accounts. A company's balance
sheet, also known as a "statement of financial position," reveals the firm's assets, liabilities, and owners' equity
(net worth). BSA captures audited accounts of the bank with notes on accounts.

13.-Report Name-Whole Bank Long Form Audit Report and Compliance thereof:-

Long form Audit Report (LFAR) is a questionnaire prepared by RBI which an auditor has to answer. Long form
Audit Report (LFAR) is Management Report submitted by Bank Auditors at Branch level. The overall objective
of the Long Form Audit Report (LFAR) is to identify and assess the gaps and vulnerable areas in the business.
Long form Audit Report (LFAR) is a questionnaire prepared by RBI which an auditor has to answer. The
nature of transactions reflected in such accounts as at year end and its impact on the Books of Accounts, if any.
Adequacy of Cash insurance w.r.t. average cash holding and cash policy to be taken.

©2022 NH Bank. All Rights Reserved Page 93 of 138

 14.-Report Name-Annual Certificate:-

Branch Offices / Liaison Offices have to file Annual Activity Certificates (AAC) (Annex 3) from Chartered
Accountants, at the end of March 31, along with the audited Balance Sheet on or before September 30 of that
year. In case the annual accounts of the LO/ BO are finalized with reference to a date other than March 31, the
AAC along with the audited Balance Sheet may be submitted within six months from the due date of the
Balance Sheet to the designated AD Category I bank and a copy to the Directorate General of Income Tax
(International Taxation), New Delhi. A yearly return certified by statutory auditor and to be submitted by
banks in original within one month from the date of completion of their annual audit.

15.-Report Name-Reporting of Long term Advance:-

Assets at the beginning and end of the reporting period showing additions, (VII) Under the heading “L. Long-
term loans and advances. I banks to allow exporters having a minimum of three years’ satisfactory track
record to receive long term export advance up to a maximum tenor of 10 years to be utilized for execution of
long term supply contracts for export of goods subject to conditions. Reporting of Long term Advance of USD
100 million & more along with Progress Report to be submitted by Authorized Dealer Bank on utilization of
Long term export Advances.

16.-Report Name-Monitoring Progress of Financial Inclusion (MPFI)- Qualitative Return (Template-

II):-

This Report is in reference of mentioning the most widely used financial performance indicators.It includes
Gross profit /gross profit margin, the amount of revenue made from sales after subtracting production costs,
and the percentage amount a company earns per dollar of sales. Also to understand developments in the
financial inclusion sphere.

1.13.4.4 Triggering Event

When Reporting User open the User Interface of yearly Reports

1.13.4.5 User Interaction

NA
1.13.4.6 Property sheet
NA
1.13.4.7 Business Rules
NA

1.13.4.8 Sample Format

Report Report Name Report Description File Format Report Reporting

Serial Attachment Platform

©2022 NH Bank. All Rights Reserved Page 94 of 138

1 Basic Statistical Return - 2 Classification of deposits .XLSX
(BSR2) with SCBs and
employment details of EDSP
SCBs

2 ITBS - Survey Schedule Survey on International .XLS

Trade in Banking
Services (ITBS) collects
information on various
banking services SMS
rendered by Indian
Banks operating abroad
and foreign banks
operating in India
3 Priority Sector Advances– State-wise data relating .XLS
Annual to PSA and sectoral
credit Email

4 DRI Advances Disbursements, demand, .XLSX

recovery, overdues and
outstandings under EDSP
various parameters

5 Special Return II (Recovery State-wise return (July to .XLSX

of Direct Agriculture Loan) June) on demand,
recovery, overdues and
outstandings of direct EDSP
finance to agriculture
(short term loans and
term loans separately)
6 DAY-NULM Target State-wise return with .XLSX
targets for Self-
Employment Programme
EDSP
(SEP) for Individuals,
Group and SHGs under
NULM scheme
7 Form IX (Sec. 26 of the BR Statutory Return of .XLSX
Act, 1949) Unclaimed Deposit
Accounts in India which XBRL Phase
have not been operated
upon for 10 years or II
more as on 31st
December
8 Balance Sheet of SCBs (Sec. Submission of duly .XLSX
31 of the BR Act, 1949) audited Balance Sheet
and Profit and Loss XBRL phase
Account III

9 Certificate regarding Certificate regarding .PDF Hardcopy

continuance of the “fit and continuance of the “fit
proper” status of all major and proper” status of all
major shareholders. In
©2022 NH Bank. All Rights Reserved Page 95 of 138
 shareholder case any major
shareholder is assessed
to be not “fit and
proper”, the concerned
bank shall report the
same immediately in
Form D specified in the
Schedule to extant
Master Directions

10 Format for furnishing The return conveys the .PDF

addresses etc., particulars following particulars -
of Forged Note Vigilance Email
Cell (FNVC) to RBI

11 List of Offices/Branches of List of all .XLSX

AD Bank Maintaining offices/branches, of an
Rupee Accounts of Non- AD bank, which are
Hardcopy
Resident Banks maintaining Rupee
accounts of non-resident
banks
12 Balance Sheet Analysis BSA captures audited .XLSX
(BSA) accounts of the bank
with notes on accounts XBRL Phase
II

13 Whole Bank Long Form Whole Bank Long Form .PDF

Audit Report and Audit Report and
Compliance thereof Compliance thereof Hardcopy

14 Annual Certificate A yearly return certified .PDF

by statutory auditor and
to be submitted by banks
in original within one Hardcopy
month from the date of
completion of their
annual audit
15 Reporting of Long term Reporting of Long term .PDF
Advance Advance of USD 100
million & more
alongwith Progress
Report to be submitted Hardcopy
by Authorised Dealer
Bank on utilization of
Long term export
Advances
16 Monitoring Progress of To understand .XLSX
Financial Inclusion (MPFI)- developments in the
Qualitative Return financial inclusion ADEPT
(Template-II) sphere.

©2022 NH Bank. All Rights Reserved Page 96 of 138

1.13.5 Use Case Scenario5- Reporting User should able to apply the date filters in the UI to view
report
After clicking on specific report type, Reporting User should be able to view the option to apply filters.
. Filters for date will be as following:
- Select “from date”.
- Select “To date’.
1.13.5.1 Use Case Diagram:

1.13.5.2 Actor and Actions

Actor Actions
Reporting User Apply date filters

1.13.5.3 Business Requirement

1. Reporting User should be able to apply data filters to view the reports.
2. There should be an option on the view page of yearly reports to export the data in excel.
3. There should be print button on the view page.
4. The generated report should meet the required format shared by the business
1.13.5.4 Triggering Event
When Reporting User open the view page of yearly reports and apply date filters
1.13.5.5 User Interaction
NA

1.13.5.6 Property sheet

Field
Field Name Required Source /Remarks
No.
1 Start Date M Middleware should
store
Middleware should
2 End Date M store

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1.13.5.7 Business Rules
NA

1.14 Reference Document

Document Serial Document Name Document
Doc 001 ADF Reports details from Bank

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2 Miscellaneous
2.1 Non Functional Requirement

2.2 Pre-Requisite

# Description
1 NH Bank should provide the ADF files on SFTP location

2.3 Assumptions

# Description
1

2.4 Dependencies

2.5 Appendix
NA

2.6 Minutes of Meeting

NA

2.7 Review Log

NA

2.8 References
All the defined process in the document are based on templates and inputs provided by the client.

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3 Issues
3.1 Open Issues
NA

3.2 Closed Issues

NA

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4 CR Log
NA

5 Sign Off
5.1 Acceptance Criteria of SRS
The sign off & Acceptance process for the project deliverables illustrated in the table above is as follows:
1. First submission of deliverables should be provided to the NH Bank Director or PMU by the
submission date for review & approval.
2. The NH Bank Project Director or PMU should review the deliverables and provide written
comments & observations within 10 working days.
3. The project team should update the deliverables post receipt of written comments & observations
and do final submission of deliverables to the NH Bank Project Director or PMU within 3 working
days from the receipt of written comments & observations.
4. Sign-off & Deemed Acceptance should be assumed in case of occurrence of either of the events
detailed below:
a. Within 5 working days from date of final submission of the deliverables, to the NH Bank
Project Director or PMU unless any response to observations identified in step 2 need
further modification. In the event of disagreement, matters should be settled under Section
2 of the Program Management Plan ; or
b. NH bank decides to move to a new phase or puts the deliverable to commercial use

Any changes/ modifications suggested post Sign-off/ Deemed Acceptance thereon should be subject
to change control process per Schedule I of Section II of the RFP, detailed also in Section 5.3 of the
Project Management Plan.

5.2 Document Sign Off

Sl Application Signed Signed Off Version Date
No Name Off By- By-NH Bank
Velocis
1 NH Bank System 0.1
Requirements
Specification- ADF
Reports

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6 Glossary
Below are the description of terms used in the document.

Introduction: Describes introductory view of the document.

Objective: This describes overall description and objective of the document.
Overview: This includes broad level description of the requirement.
Definition and Acronyms: This describes meaning of short forms used in the entire document.
Functional Scope: Defines the requirement written in proposal.
Impacted System: Defines what are the other system impacted due to NH Bank middleware.
Business Module: What all the modules included in NH Bank middleware application
Use case scenario: Top level module which can include different sub-modules
User Case Diagram: This shown pictorial representation of any actor from Middleware interaction with
application.
Actors and Actions: Shows which actor takes what actions
Process Flow: This shows the workflow of the application
Business Requirement: This includes the exact requirement of the customer.
Triggering Event: This shows the entry point of the form or view to which client want to interact.
User Interaction: This shows the sample forms, data fields, Business rules behind the application, master
data used in application, error messages etc.

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