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Just-in-time Solutions Ltd.,

Just-in-time Solutions Ltd.,. Training Materials. Bank Link Solutions for Securities & Bank connection. Content. Overview for the business at Bank. Examples. BLS Instructions and screens. Summary. Discussion. Overview of Business process. Bank & Securities Connection.

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Just-in-time Solutions Ltd.,

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  1. Just-in-time Solutions Ltd., Training Materials Bank Link Solutions for Securities & Bank connection

  2. Content Overview for the business at Bank Examples BLS Instructions and screens Summary Discussion

  3. Overview of Business process Bank & Securities Connection Customer & Accounts Managements Link to Securities company Customer Managements Accounts Managements Cash-in for trading Cash-out from trading T24 Core banking T24 Core banking Bank Link Solutions

  4. For Customers Have A/C in BIDC ? Yes Open Sec A/C at Lanexang Securities How to start trading the stock ? No Link the BIDC A/C to Sec A/C Open CASA A/C at BIDC Come to BIDC to Deposit for trading • The customers: • Have 2 accounts: one in BIDC (CASA) and one in Securities Company. • Use the Sec A/C at Securities Company for trading stocks • Use the CASA A/C at BIDC to deposit or withdrawl money I can trade now !

  5. Customer & Account Management Yes New customer Open new customer ID (T24) Start No Have CASA Account? No Open new CASA Account Yes Cash Deposit End All customer & Account Management are performed in core banking T24 Customer can use the account number provided by BIDC to fill in the form of Securities Company

  6. Cash Management: Cash-in Start Cash-in to customer CASA Account in BIDC Using Cash Deposit function in T24 Posting in T24 Dr: CASH Cr: BIDC Customer Account Deposit for Trading account in CSX Using Deposit Notification in BLS Posting in T24 Dr: BIDC Customer Account Cr: Securities Fund Holding Acct Posting in CSX Ledger System Dr: Securities Acct Cr: CSX Customer Account End Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-in Transaction history are available

  7. Cash Management: Cash-out Using Withdraw Request in BLS Start Withdraw request from CSX account Posting in CSX Ledger System Dr: CSX Customer Account Cr: Securities Acct Posting in T24 Dr: Securities Fund Holding Acct Cr: BIDC Customer Account Cash Withdraw from Customer account in BIDC Using Cash Withdraw function in T24 Posting in T24 Dr: BIDC Customer Account Cr: CASH End Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out Transaction history are available

  8. Example • Customer A • Account at BIDC 030-20-00-010-666666, current balance: 20,000,000 KHR • Trading account at Securities Company: 111-111, cash balance: 0 KHR • Lanexane Securities • Investor Holding Fund Account at BIDC: 030-20-00-010-999999, current balance:100,000,000 KHR • Own Account at BIDC: 030-20-00-010-888888, current balance: 500,000,000 KHR • Fund account at CSX Ledger system : 999-999: current balance is: -100,000,000 KHR • Deposit account with BIDC at CSX Ledger system: 888-888, current balance is -500,000,000 KHR • BIDC • Settlement account for CSX at BOC: 777-777 current balance is 0

  9. Example • Customer A • Use 12,000,000 KHR to buy 2000 ABC stock • Lanexane Securities • Sale Amount: 1,000,000,000 KHR • Buy amount: 890,000,000 KHR • Tax/Fee for CSX: 10,000,000 KHR • Net amount: 100,000,000 KHR • BIDC • Settlement account for CSX at BOC 777-777: current balance is 0 • BOC Settlement for Trading at T24 444-444: current balance is 0

  10. Example: trading day T: Cash-in Cash-in to customer CASA Account in BIDC Amt: 2,000,000 KHR Start using Cash Deposit function in T24 Posting in T24 Dr: 1011 Cr: 030-20-00-010-666666 Amt: 2,000,000 => Customer account balance: 22,000,000 KHR CASH account: 1011 Securities Fund Holding Acct 030-20-00-010-999999 Customer account 030-20-00-010-666666 4. Amount : 12,000,000 KHR • Posting in T24 • Dr: 030-20-00-010-666666 • Cr: 030-20-00-010-999999 • Amt: 12,000,000 KHR •  Balance: • 030-20-00-010-66666: 10,000,000 KHR • 030-20-00-010-999999: 112,000,000 KHR • Posting in CSX Ledger System • Dr: 999-999 • Cr: 111-111 • Amt: 12,000,000 • Balance • 999-999: -112,000,000 KHR • 111-111: 12,000,000 KHR Deposit for Trading account in CSX 12,000,000 KHR using Deposit Notification in BLS • After buy 2000 ABC stock, price 5,500 KHR • Balance: 111-111 is 2,000,000 End

  11. Example: Cash-out using Withdraw Request in BLS Start Withdraw request from CSX account Posting in CSX Ledger System Dr: CSX Customer Account Cr: Securities Acct Posting in T24 Dr: 030-20-00-010-999999 Cr: 030-20-00-010-666666 Amt: 1,000,000 KHR CASH account: 1011 Securities Fund Holding Acct 0302000010999999 Customer account 03011111111111111 Amount : 1,000,000 KHR Cash Withdraw from Customer account in BIDC using Cash Withdraw function in T24 Posting in T24 Dr: 030-20-00-010-666666 Cr: 1011 Amt: 1,000,000 KHR End Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out Transaction history are available

  12. Example: trading day T: Settlement with BOC Using BOC settlement system BOC to transfer 100,000,000 net from CSX account to BIDC account at BOC • Posting in BOC • Dr: CSX account • Cr: 777-777 • Amt: 100,000,000 • BIDC account 777-777: 100,000,000 KHR • Posting in BIDC • Dr. Cash-in-transit BOC • Cr: Settlement account 444-444 • Amt: 100,000,000 KHR Start • Securities Company: • Sale Amount: 1,000,000,000 KHR • Buy amount: 890,000,000 KHR • Tax/Fee for CSX: 10,000,000 KHR • Net amount: 100,000,000KHR BIDC to transfer the net amount to Securities Company Account Posting in T24 Dr: 444-444 Cr: 030-20-00-010-888888 Amt: 100,000,000 KHR  Balance: 030-20-00-010-888888: 600,000,000 KHR Securities Company to transfer to Holding fund account for pay to customer Posting in T24 Dr: 030-20-00-010-888888 Cr: 030-20-00-010-999999 Amt: 100,000,000 KHR  Balance: 030-20-00-010-999999: 212,000,000 KHR End

  13. THANK YOU Q&A

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