Statutory Bank Branch Audit through remote location
Reports which we can consider from bank branch for identification of sample through various analysis from remote location
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S.No. |
Report description from Core Banking Environment
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Details for Analysis |
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1 |
Balance Report (BR) in Details
(This file covered all account which belong to fund base of the branch) (please ensure that this file required in details format which approx 750 to 1000 pages) - |
Balance Report covers all fund base accounts in branch, we can convert these report into excel format and then we can arrange date wise balance reports (either month wise or Qtr wise etc) with various excel commends for analysis … Major head in which we can take as
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2 |
BG/LC/FLC/Bill Balance /Non Fund Business Report (Opened during the year) & (as on Balance Sheet Date) |
Converted into tabular format and co-related account with BR Account and applied link with revenue in respective A/c ledger
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3. |
GL/PL/BS (General Leger Balance Report/Profit and Loss /Balance Sheet) |
This is summary of BR which we can Analysis on month- on-month or quarter-on -quarter.. Converted respective month report in tabular format and analysis trend, with respective details can again verified in BR report, if after that still not clear about that, might be covered for sample verification.
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4. |
Advance Account dump with mandatory details of ROI, Scheme Code, Security, Last Renewal, Sanction Amount, Sanction Date… |
Advance details to analysis with conversion in excel with identification of file for details verification in branch as well as remotely.. Most of Big Note prepare in soft format so we can verified details note on remotely also…further we can link BR Analysis for trend analysis in account to find status of SMA or PNPA with actual recovery/repayment made in account
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5. |
Jotting of new advances account sanctioned , renewed, enhanced, disbursement made during the year (for the Year) |
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6. |
NPA |
Month on Month NPA report converted into excel and through VLookup function we can analysis of Trend about NPA Movement.
Best to cover every month/quarter ended report in tabular format. Also link with BR report about any movement in balance by month – on – month… in case of major change need to cover full leger account about adjustment of credit in account i.e. against interest or principal…
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7. |
Interest Failure Report (as on 31.03.2020) |
Check about any account skip for application on applied interest
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8. |
List of dormant accounts/ Non Active Account as on 31.03.2020 and report of Dormant to Active and Active to Dormant (During the year 01.04.2019 to 31.03.2020)
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Link with BR Report and analysis trend in these account if any normal and ab-normal difference month to month. |
Illustrative List of Date require from Bank Branch for Analysis and Audit:-
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Report description from Core Banking Environment |
Date Ref |
File_Ref_Name |
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1 |
Balance Report in Details (This file covered all account which belong to fund base of the branch) (please ensure that this file required in details format which approx 750 to 1000 pages) - |
31.03.2020 |
BR_00 |
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30.04.2020 |
BR_01 |
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31.05.2020 |
BR_02 |
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30.06.2020 |
BR_03 |
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31.07.2020 |
BR_04 |
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31.08.2020 |
BR_05 |
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30.09.2020 |
BR_06 |
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31.10.2020 |
BR_07 |
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30.11.2020 |
BR_08 |
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31.12.2020 |
BR_09 |
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31.01.2021 |
BR_10 |
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29.02.2021 |
BR_11 |
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26.03.2021 |
BR_12_26 |
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30.03.2021 |
BR_12_30 |
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31.03.2021 |
BR_12 |
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02.04.2021 |
BR_13_02 |
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03.04.2021 |
BR_13_03 |
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2 |
BG/LC/FLC/Bill Balance /Non Fund Business Report (Opened during the year) |
01.04.2020 to 31.03.2021 |
BG_0112 LC_0112 FLC_0112 Other_0112 |
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BG/LC/FLC/Bill Balance /Non Fund Business Report (as on Balance Sheet Date) |
As on 31.03.2021 |
BG_12 LC_12 FLC_12 Other_12 |
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3. |
GL/PL/BS (General Leger Balance Report/Profit and Loss /Balance Sheet) |
31.03.2020 |
GL_00 PL_00 BS_00 |
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30.06.2020 |
GL_03 PL_03 BS_03 |
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30.09.2020 |
GL_06 PL_06 BS_06 |
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31.12.2020 |
GL_09 PL_09 BS_09 |
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31.03.2021 |
GL_12 PL_12 BS_12 |
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5. |
Advance Account dump with mandatory details of ROI, Scheme Code, Security, Last Renewal, Sanction Amount, Sanction Date… |
31.03.2021 |
AWR_12 |
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6. |
Jotting of new advances account sanctioned , renewed, enhanced, disbursement made during the year (for the Year) |
01.04.2020 to 31.03.2021 |
JO_0112 |
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7. |
SMA/PNPA report |
31.03.2020 |
SMA_00 |
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30.06.2020 |
SMA_03 |
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30.09.2020 |
SMA_06 |
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31.12.2020 |
SMA_09 |
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31.03.2021 |
SMA_12 |
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8. |
NPA |
31.03.2020 |
NPA_00 |
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30.04.2020 |
NPA_01 |
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31.05.2020 |
NPA_02 |
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30.06.2020 |
NPA_03 |
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31.07.2020 |
NPA_04 |
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31.08.2020 |
NPA_05 |
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30.09.2020 |
NPA_06 |
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31.10.2020 |
NPA_07 |
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30.11.2020 |
NPA_08 |
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31.12.2020 |
NPA_09 |
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31.01.2021 |
NPA_10 |
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29.02.2021 |
NPA_11 |
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31.03.2021 |
NPA_12 |
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9. |
Interest Failure Report (as on 31.03.2021) |
Term Loan |
INTFAIL_LAA |
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CC/OD |
INTFAIL_OCA |
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10. |
List of dormant accounts/ Non Active Account as on 31.03.2020 and report of Dormant to Active and Active to Dormant (During the year 01.04.2019 to 31.03.2020) |
31.03.2021 |
DORM_12 |