Just-In-Time Solutions Ltd.,

Bank-Linked Solutions for Securities & Bank connection

Training Materials

April, 2012

ContentOverview for the business at BankExamples

BLS Instructions and screensSummary

Discussion

Overview of Business process

Bank & Securities Connection

Customer & Accounts Managements

Link to Securities company

Customer Managements

AccountsManagements

Cash-in for trading

Cash-out from trading

T24 Core banking

T24 Core banking

Bank Link Solutions

For Customers

Open Sec A/C at Securities firm

How to start trading the stock ?

Have A/C in BIDC ?

Link the BIDC A/C to Sec A/C

Come to BIDC to Deposit for trading

Yes

I can trade now !The customers:

1) Have 2 accounts: one in BIDC (CASA) and one in Securities Company.

2) Use the Sec A/C at Securities Company for trading stocks3) Use the CASA A/C at BIDC to deposit or withdrawal money

No

Open CASA A/C at BIDC

Customer & Account Management

Open new customer ID (T24)Start New

customer

Have CASA Account?

Open new CASA Account

Cash Deposit

Yes

No

No

Yes

End

1. All customer & Account Management are performed in core banking T24

2. Customer can use the account number provided by BIDC to fill in the form of Securities Company

Cash Management: Cash-in

Cash-in to customer CASA Account in

BIDC

Start

Deposit for Trading account in CSX

Using Deposit Notification in BLS

Using Cash Deposit function in T24

End

1. Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-in

2. Transaction history are available

Posting in T24Dr: BIDC Customer Account Cr: Customer Money Aggregate A/C

Posting in CSX Ledger SystemDr: Securities AcctCr: CSX Customer Account

Posting in T24Dr: CASHCr: BIDC Customer Account

Cash Management: Cash-out

Withdraw request from CSX account

Start

Cash Withdraw from Customer account in

BIDC

Using Withdraw Request in BLS

Using Cash Withdraw function in T24

End

1. Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out

2. Transaction history are available

Posting in CSX Ledger SystemDr: CSX Customer AccountCr: Securities Acct

Posting in T24Dr: Securities Fund Holding AcctCr: BIDC Customer Account

Posting in T24Dr: BIDC Customer AccountCr: CASH

Cash-in: Securities firm customer

Cash-in to Securities collection account in

BIDC

Start

Deposit for Trading account in CSX

Using Deposit Notification in BLS

Using Cash Deposit function in T24

End

1. Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-in

2. Transaction history are available

Posting in T24Dr: Securities collection Account Cr: Customer Money Aggregate A/C

Posting in CSX Ledger SystemDr: Securities AcctCr: CSX Customer Account

Posting in T24Dr: CASHCr: Securities collection Account

Cash-out: Securities firm customer

Withdraw request from CSX account

Start

Cash withdraw from Securities payment

account in BIDC

Using Withdraw Request in BLS

Using Cash Withdraw function in T24

End

1. Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out

2. Transaction history are available

Posting in CSX Ledger SystemDr: CSX Customer AccountCr: Securities Acct

Posting in T24Dr: Securities CMA AccountCr: Securities payment Account

Posting in T24Dr: Securities payment AccountCr: CASH

Cash-in: Securities own account

Cash-in to Securities own account in BIDC

Start

Deposit for Trading account in CSX

Using Deposit Notification in BLS

Using Cash Deposit function in T24

End

1. Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-in

2. Transaction history are available

Posting in T24Dr: Securities own Account Cr: Securities House Account

Posting in CSX Ledger SystemDr: Securities AcctCr: CSX securities own Account

Posting in T24Dr: CASHCr: Securities own Account

Cash-out: Securities own account

Withdraw request from CSX account

Start

Cash withdraw from Securities own

account in BIDC

Using Withdraw Request in BLS

Using Cash Withdraw function in T24

End

1. Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out

2. Transaction history are available

Posting in CSX Ledger SystemDr: CSX Securities own AccountCr: Securities Acct

Posting in T24Dr: Securities House AccountCr: Securities own Account

Posting in T24Dr: Securities own AccountCr: CASH

Example Customer A

Account at BIDC 030-20-00-010-666666, current balance is 20,000,000 KHR

Trading account at Securities Company: 111-111, cash balance is 0 KHR

CANA Securities Customer Money Aggregate (CMA) Account at BIDC:

030-20-00-010-999999, current balance: 100,000,000 KHR

House Account at BIDC: 030-20-00-010-888888, current balance is 500,000,000 KHR

CMA account at CSX Ledger system : 999-999, current balance is -100,000,000 KHR

House 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

Example Customer A

Use 12,000,000 KHR to buy 2000 ABC stock CANA 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

Cash-in to customer CASA Account in

BIDCAmt: 2,000,000 KHR

Start

Deposit for Trading account in CSX12,000,000 KHR

using Deposit Notification in BLS

using Cash Deposit function in T24

End

Posting in T24Dr: 030-20-00-010-666666Cr: 030-20-00-010-999999Amt: 12,000,000 KHR Balance: 030-20-00-010-66666: 10,000,000 KHR030-20-00-010-999999: 112,000,000 KHR

Posting in CSX Ledger SystemDr: 999-999Cr: 111-111Amt: 12,000,000Balance999-999: -112,000,000 KHR111-111: 12,000,000 KHR

Posting in T24Dr: 1011Cr: 030-20-00-010-666666Amt: 2,000,000=> Customer account balance: 22,000,000 KHR

1. CASH account: 10112. Securities CMA Acct

030-20-00-010-9999993. Customer account 030-20-00-010-6666664. Amount : 12,000,000 KHR

After buy 2000 ABC stock, price 5,000 KHRBalance: 111-111 is 2,000,000

Example: trading day T: Cash-in

Example: Cash-out

Withdraw request from CSX account

Start

Cash Withdraw from Customer account in

BIDC

using Withdraw Request in BLS

using Cash withdraw function in T24

End

1. Teller can do the Balance Inquiry at Bank/ Securities using the Bank-Link clients before and after Cash-out

2. Transaction history are available

Posting in CSX Ledger SystemDr: CSX Customer AccountCr: Securities Acct

Posting in T24Dr: 030-20-00-010-999999Cr: 030-20-00-010-666666Amt: 1,000,000 KHR

Posting in T24Dr: 030-20-00-010-666666Cr: 1011Amt: 1,000,000 KHR

1. CASH account: 10112. Securities CMA Acct 030-

20-00-010-9999993. Customer account

030-20-00-010-6666664. Amount : 1,000,000 KHR

BOC to transfer 100,000,000 net from CSX account to BIDC

account at BOC

Start

BIDC to transfer the net amount to

Securities Company Account

Using BOC settlement system

End

Posting in T24Dr: 444-444Cr: 030-20-00-010-888888Amt: 100,000,000 KHR Balance: 030-20-00-010-888888: 600,000,000 KHR

Posting in BOCDr: CSX accountCr: 777-777Amt: 100,000,000BIDC account 777-777:

100,000,000 KHRPosting in BIDCDr. Cash-in-transit BOCCr: Settlement account 444-444Amt: 100,000,000 KHR

Securities Company:Sale Amount: 1,000,000,000 KHRBuy amount: 890,000,000 KHRTax/Fee for CSX: 10,000,000 KHRNet amount: 100,000,000 KHR

Example: trading day T: Settlement with BOC

Securities Company to transfer to CMA account for pay to

customer Posting in T24Dr: 030-20-00-010-888888Cr: 030-20-00-010-999999Amt: 100,000,000 KHR Balance: 030-20-00-010-999999: 212,000,000 KHR

THANK YOU Q&A