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Risk Management and Statutory Compliance

Globally banks are encountering some of the same challenges i.e. sizable cash balances, low interest rates, and reduced loan demand. Bank Risk Managers are seeking solutions to carefully balance the bank’s current and long-term potential earnings with the need to maintain adequate liquidity and appropriate interest rate risk (IRR) exposures. At the same time policymakers are insisting the financial firms / banks to comply with Statutory Risk Management Reporting frameworks SO THAT central banks can monitor and manage the risks with banks in timely manner.

TrustBankCBS solution offer complete "Risk Management and Statutory Compliance" Solution which comprises various reporting modules viz: Offsite Surveillance (OSS), Asset Liability Management (ALM), Anti- Money Laundering (AML), Audit Reports, Financial Monitoring System (FMS) etc.

RBI Group (Fortnight / Monthly)


Form I a) (Monthly), b) Details of Form I - (Regarding CRR SLR)

Form II - Statement of unsecured Loans & Advances to Directors

Form II - Statement of unsecured Loans & Advances to Directors

Daily Liquidity

Reporting Fortnight NDTL

Monetary Aggregates

Form IX – Statement of Assets & Liabilities as on Last Friday

CRR Register

SLR Register

Statement Of Unclaimed Deposit Accounts

Offsite Surveillance System Reports


OSS – 1 Statement on Assets & Liabilities

OSS – 2 Statement on Earnings

OSS - 3 Statement on Asset Quality


Sheet 1 - ASSET QUALITY

Sheet 2 - Portfolio Analysis-Other Interest bearing assets (OIBA)

Sheet 3 -
Part A - CLASSIFICATION OF LOANS AND ADVANCES (Including bill credit)
Part B - Other risk assets and exposure

Sheet 4 - QUALITY OF SECURITY PORTFOLIO

Sheet 5 - Other Details of Non-SLR Securities

Sheet 6 - Authorised Reporting Official


OSS – 4 Statement on NPA, Large Exposure, segment wise Advances & NDTL/NOF Ratio


Part A -
1. Statement On Non Performing Assets,
2. Movement of NPAs during the past three quarters

Part B -
1. Extensions Granted,
2. Waiver of Debts/Written offs (Other than Compromise Settlement)
3. Compromise Settlement

Part B2 - 4. Top Fifty Impaired Credit of more than Rs. 100 Lakhs

Part C - 1. STATEMENT ON LARGE EXPOSURE - SINGLE BORROWER

Part C 2 - 1. STATEMENT ON LARGE EXPOSURE - GROUP BORROWER

Part C 3 - 1. Top Ten Credit Exposure To Banks


OSS - 5 Statement on Segment / Sector wise Advances


Priority Sector - A. Segment - wise analysis of Advances

Non Priority Sector - A. Segment - wise analysis of Advances

Industry Wise Exposure

SME and Retail

Exposure to Sensitive Sector -
Exposure 1 - Exposure to Real Estate
Exposure 2 - Other Exposures to Real Estate
Exposure 3 - III. Prudential Exposure Norms Top 5 Individual Exposures
Exposure 4 - Housing Finance under Priority Sector

Authorised Reporting Official


OSS – 6 Statement on Connected Lending


Credit/Exposure to firms, concerns and companies in which directores, managers of the bank of their relatives are interestated and the nature of the interest.


OSS – 7 Statement on CRAR

OSS – 8 Statement on Bank Profile

RBI RETURNS ( FRAUD ) FMR-2 AND FMR-4

RBI Audit Statements

RBI Audit Statement-1 :
Comparative Financial Position as on 31-Mar of two previous years and as on the date of inspection.

RBI Audit Statement-2 :
Analysis of Profitability for last two Financial years (the figures of last financial year and current year) as on 31-Mar.

RBI Audit Statement-3 :
Detail classification of Non Performing Assets (NPA) as on the last date of the Financial year as on 31-Mar.

RBI Audit Statement-4 :
The position of NPAs, Movement of NPA, Extensions granted, Waivers/ Compromise Settlements allowed and legal action taken by the bank for last two financial years.

RBI Audit Statement-5 :
Part A - Security-wise Analysis of all loan accounts as on 31-Mar.
Part B - Segment-wise analysis of all loan accounts including overdrafts & cash credits considering the priority/Non-priority sector.

RBI Audit Statement-6 :
Purpose-wise Analysis of all loan accounts for last financial year & current year as on 31-Mar.

RBI Audit Statement-7 :
Information of loan & advances granted to directors, managers, their relatives etc. ( firms , concerns and companies in which they or their specified relatives are interested and the nature of interest) as on 31-Mar.

RBI Audit Statement-8 :
Statement of large exposure beyond a cut-off-limit as on the date of inspection 31-Mar (to be furnished branch wise/borrower wise)

RBI Audit Statement-9 :
Statement of outstanding guarantees/Letter of credit/co-acceptances wherein defaults by constituents and/or claims on bank by beneficiaries as on date of inspection 31-Mar.

RBI Audit Statement-10
Statement of CRAR –Capital Fund and Risk Asset Ratio / Exposure and Risk Asset Ratio for two financial years as on 31-Mar.

Assets Liability Management Reports


Statement of Structural Liquidity

Statement of Interest Rate Sensitivity

Statement of Dynamic Liquidity

Statement of Dynamic Liquidity

Anti Money Laundering Reports


CTR - Cash Transaction Report

STR - Suspicious Transaction Report

RBI Half Yearly / Yearly


DICGC – Deposit Insurance and Credit Guarantee Corporation