Order of expense for rfp and Emergency expenses for clients with K2 debts

Order of expense for RFP and Emergency expenses for clients with K2 debts

The PO reservation and the emergency expenses reservation are created on the first three working days of the month. (API 10, API 13).

With automatic payment, the balance of the account is distributed by priority as follows:
For all debts, except for RFP and emergency expenses, payments are formed for the allocated amount.
For RFP and emergency expenses, the amount is reserved and kept in the account in anticipation for further expenses by the client. Each time in autopay, the allocated new amount is added to the reserved amount. This reserve amount is spent only for its intended purpose (PO or emergency expenses).
For the reservation of the RFP and emergency expenses, the following records are kept:
RFP Emergency expenses
Booking amount 50 000 000.00 150 000 000.00
Reserved amount 11 400 000.00 150 000 000.00
Remaining reservation 38 600 000.00 0.00
Consumption 8 000 000.00 120 000 000.00
Remaining expense 3 4 00 000.00 30 000 000.00
At this moment 3,400,000.00 + 30,000,000.00= 33,400,000.00 account balance (reserved for RFP and emergency expenses).
SP consumption process and emergency expenses from the reserved amount (API 11, API 14)
SP consumption is divided into categories:

1. 
   Payment of salary to employees for issue . Transferred to client account 23106 for further distribution to employee accounts. Intrabank transaction
   
2. 
   Payment of a single social payment (deductions from a legal entity). Transferred to the budget account in the Central Bank (MFO 00014 Central Bank). Interbank transaction budget
   
3. 
   Payment of tax from salary . Transferred to the budget account in the Central Bank (MFO 00014 Central Bank Treasury). Interbank transaction budget
   
4. 
   Payment of the trade union fund 1%. The transaction can be interbank or intrabank , depending on where to open a union fund account.
   
5. 
   Other payments at the request of employees from the salary (aliment, to the card of another individual ...) Transferred to the transit bank account of another bank 23120 Interbank transaction
   
6. 
   Bureau notice fee (based on court order, withheld from employee's salary) Transferred to 20203 bureau account. The transaction can be interbank or intrabank
   

Consumption Emergency :

1. 
   The expense from the reserve amount for emergency expenses is created by the customer. The transaction can be interbank or intrabank , depending on where the beneficiary's account is opened . (The purpose of the payment must contain the text “Transferred at the expense of emergency expenses ” . This is added to the destination text after the payment purpose code automatically in the mobile banking side )