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TB1100_Kap03_Banking.PPT - DEI-ISEP

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					            Banking



                Contents:
                 Entering Payments
                 Reconciliations
                 Payment Processes




 SAP AG 2003
            Banking: Unit Objectives



                   At the conclusion of this unit, you will be able to:

                    Handle incoming and outgoing payments
                    Reconcile accounts internally
                    Enter external account statements and reconcile
                     them with your bank account
                    Configure and use the payment wizard
                    Explain how payment processes for different
                     payment means are structured




 SAP AG 2003
            Banking: Course Overview Diagram




                           Human Resources


                                                  Financial
                                                 Statements
                     Financials        Banking
                                                     and
                                                  Reporting


                                  Service




 SAP AG 2003
            Banking: Business Scenario




                   You must reconcile open receivables and liabilities
                    with incoming or outgoing payments. When doing so,
                    you must closely monitor and track these payment
                    flows to ensure that they are handled correctly.




 SAP AG 2003
            Entering Payments: Topic Objectives



                  At the conclusion of this topic, you will be able to:

                   Configure payment terms, cash discounts, and
                    installments
                   Generate due date overviews for vendor liabilities
                    and customer receivables
                   Post incoming and outgoing payments manually
                    using various payment scenarios with different
                    payment means
                   Use the payment wizard and define payment
                    methods




 SAP AG 2003
            Payment Terms



                                                           - z Tolerance Days
     Due Date
    Calculation
                       + x Months                      + y Days


                                                                                Time
       Baseline                                             Due Date
        Date                                             (or Value Date)



                  Based on
                   Original Day, Start, Middle, or End of Month of
                   Posting Date, System Date, or Tax Date




 SAP AG 2003
            Cash Discount




     Cash Discount

                                                                        Days After
                                      45 days
                                                                       Baseline Date
                               30 days
                     14 days
                                                                      No discount
                      3%                  2%               1%
                                                                                       Time
          Baseline               Cash             Cash            Cash
           Date                Discount         Discount        Discount
                                Line 1           Line 2          Line 3




 SAP AG 2003
            Installments


                  + x1 Month,          + x2 Month,          + x3 Month,
                  + y1 Days            + y2 Days            + y3 Days




                                                                                        Time
         Value Date          Due Date of          Due Date of          Due Date of
         of Invoice         1st Installment      2nd Installment      3rd Installment

                                                                           25%
                                                     25%
                                 50%




                                   Invoice with one Line Item per Installment


 SAP AG 2003
            Due Date Overviews




           Customer
           Receivables           Dunning
           Aging                 Notices




           Vendor
           Liabilities
                                 Payments
           Aging




 SAP AG 2003
            Dunning

                                                      New dunning level is the
                Customer Receivables                  dunning level in invoice + 1
                Aging
                (Line Item View)
                 Doc   Future   Int.   Range   Range    Range    Level   Letter
                       Remit.            1       2        3
                  IN
                 102
                                       $121                      1
                  IN
                 113
                                $10                      $434    3
                  IN
                 125
                                               $255              2
                  IN
                       $120
                 133


                                                      Decide if you want to sent a
                                                      dunning letter.


 SAP AG 2003
            Incoming and Outgoing Payments

                Incoming Payments



                                    Document Header




                                     Open Invoices




                                    Totals, Remarks

                Add     Cancel                        Add in Sequence




 SAP AG 2003
            Entering Payments


                               1. Determine the Payment Amount

                               2. Split the Payment Amount
                                  According to Payment Means


                Possible Payment Means:
                                                                                                   Karl Einstein      Date

                                                                                                   Bank transfer   9.500

                    Check
                    Bank transfer                               Deutsche Bank
                                                                 - Four*Hundred -               € - 400,-

                    Credit card                            To




                 
                                                        The printed text must not be modified or crossed out.

                     Cash                                      X Acc. No. X
                                                      00000150900 12131400
                                                                                          X           X
                                                                                              67291500 11




 SAP AG 2003
            The Payment Wizard (1)

         Selection Criteria

         Wizard        General      Select Business    Document     Payment Method
         Options       Parameters   Partners           Parameters   Selection
                Load




                          Save        Recommendations



                                             Execute




 SAP AG 2003
              The Payment Wizard (2)

          Selection Criteria

          Wizard                                        General                   Select Business   Document      Payment Method
          Options                                       Parameters                Partners          Parameters    Selection




               Report
                Printing                                                            Recommendations

               Document
                Printing
                                                                                                                         Business
                                                                                    Payment documents                 Payment Engine
                  Deutsche Bank
                                                                                                           Bank
                  - Four*Hundred -                       €     - 400,-   Checks                            Transfer
             To        Check
                      Printing
              The printed text must not be modified or crossed out.
                     X Acc. No. X                 X             X
       00000150900     12131400                       67291500 11




 SAP AG 2003
            Payment Methods as Main Control Instrument

                                   Definition
                   Business
                Business Partner
                   Partner                Type                       Payment Means
                                                              Deutsche Bank
                                                               - Four*Hundred -               €     -
                                        Outgoing              To
                                                                                                  400,-



                                                        The printed text must not be modified or crossed out.
                                                                 XAcc. No. X            X       X
                                                                 12131400
                                                       00000150900                      67291500 11




                                           Incoming



            Payment Method
                                                   House Bank                                     G/L Account
                                                   and Account


                  AP Invoice
                                                       Validation Options


 SAP AG 2003
            Cash Discounts – Gross Procedure

                Cash Discount for Customer Payment

                          Customer                      Revenue
                      1   1000   1000   2                    1000   1


                      Cash Discount Paid           Incoming Payment
                     2      30                 2       970


                Cash Discount for Vendor Payment

                            Vendor                    Expenditure
                      2   1000   1000   1      1      1000


                    Cash Discount Received         Outgoing Payment
                                 30     2                    970      2


 SAP AG 2003
            Reconciliations: Topic Objectives



                   At the conclusion of this topic, you will be able to:

                    Explain why internal and external reconciliations are
                     necessary
                    Outline the options available for performing internal
                     and external reconciliations
                    Carry out manual and automatic reconciliations
                    Use the reconciliation scenarios
                    Undo and correct reconciliations




 SAP AG 2003
            Internal Reconciliations


                                  System Reconciliation

                Revenue                     Customer                    Bank

                          1             1         2                2



                              Invoice                  Payment



                                     User Reconciliation

                        Account                               Account

                 2000         5000                     2000        5000
                 3000         1000                     3000        1000



 SAP AG 2003
            External Reconciliations



     Options:

      Manual

      Automatic

      Using a wizard

                                                  Account Statement
                       Bank        External
                                 Reconciliation    Debit     Credit
                2000
                          3000                              2000
                                                  3000




 SAP AG 2003
            Manual Reconciliations



                G/L Account or BP Account

                 Open Transactions          Open Transactions
                 on Debit Side              on Credit Side


                 Transactions to be         Transactions to be
                 Reconciled on Debit        Reconciled on Credit
                 Side                       Side


                  Manual Selection of Items for Reconciliation



 SAP AG 2003
            Automatic Reconciliations


                                           Account
                Reference* Date**         Amount   Amount Date**   Reference*

                   aa     01/12/03 1000            1000 01/12/03     bb

                   yy     02/21/03 1000            1000 02/24/03     zz

                   XX     03/02/03 1000            1000 03/31/03     XX


                               Reconcile by Totals Only

                                    Restriction: Date

                                  Restriction: Reference

 * Reference: Ref. 1, Ref. 2, or Ref. 3
 ** Date: Posting Date or Due Date
 SAP AG 2003
            Reconciliation Wizard


     Criteria:
      Amount
                         Reconciliation Wizard
      Date
      Reference
     weighted                                          Folder
                                                 with Reconciliation
                                                     Proposals




         Skip Proposal

                or

            Choose and
             Reconcile                                 Check
             Proposal                                Proposals


 SAP AG 2003
            Adjusting Reconciliations

                   Revenue                    Customer                   Bank

                             1          1            2               2


                                              Link Invoices
                                               to Payment

                                                                     Account
            Manage Previous Reconciliations
                                                              2000        5000
                                        Cancel
                                        Reconciliation        3000        2000
                       Account

                2000        5000
                3000        2000                                     Account
                                        Redo
                                        Reconciliation        2000        5000
                                                              3000        2000


 SAP AG 2003
            Realized Exchange Rate Differences During
            Reconciliations



                Outgoing Payments                     Foreign Vendor
                                                               Open Items in
                                                Rate: 0.25     FC, Rate: 0.5

                          40 LC     10 FC     40 LC   10 FC    20 LC 10 FC

                                                               20 LC




                              Exchange Rate Differences

                                      20 LC




 SAP AG 2003
            Payment Processes: Topic Objectives



                  At the conclusion of this topic, you will be able to:

                   Explain how payment processes with different
                    payment means are structured
                   Deposit cash and checks to your bank




 SAP AG 2003
            Cash Payments

     Outgoing cash payment

          Bank Statement             Bank                  Petty Cash                Vendor

            Debit                            2                 2       1             1        OI



                      External Reconciliation     Journal           Payment to Vendor      Open
                       with Bank Statement         Entry           Payment Means Cash     Invoice

     Incoming cash payment

                Customer                Petty Cash                 Bank         Bank Statement
                OI     1            1        2             2
                                                                                     Credit


            Open      Incoming Payment            Cash                External Reconciliation
           Invoice   Payment Means Cash          Deposit               with Bank Statement


 SAP AG 2003
            Bank Transfer

     Vendor Payment by Bank Transfer

          Bank Statement                           Bank                         Vendor
            Debit                                          1                    1          OI



                         External Reconciliation        Payment to Vendor                 Open
                          with Bank Statement       Payment Means Bank Transfer          Invoice

     Incoming Payment by Bank Transfer

                     Customer                      Bank                  Bank Statement

                OI        1                  1                                  Credit



           Open           Enter Bank Statement        External Reconciliation
          Invoice         with Create Payment          with Bank Statement

 SAP AG 2003
            Handling Outgoing Checks

        Bank Statement                 Bank Account                    Vendor

          Debit                                   1                1        OI



                  External Reconciliation                                  Open
                   with Bank Statement                                    Invoice


                                                  Payment Documents



                                                  Payment Means Check
                                                              +



                                                      Check for Payment
                               Print

 SAP AG 2003
                Checks for Payment


                                                                                   Payment Documents
                                              Cancel                                                                     Add


                                                                                  Payment Means Check

                                                                                                 or create manually

                Deutsche Bank
                - Four*Hundred -
                                                                                                            Save                 Deutsche Bank
                                                                                                                                 - Four*Hundred -
                                                       €      - 400,-

                                                                           Void                            as draft               Check for                             €      - 400,-

           To                                                                              Check for                        To
                                                                                                                                  Payment
                                                                                           Payment
            The printed text must not be modified or crossed out.
                   X Acc. No. X                 X             X
                                                    67291500 11
                                                                                                                                    Draft
                                                                                                                             The printed text must not be modified or crossed out.
                                                                                                                                    X Acc. No. X                 X             X
                                                                                                                                                                     67291500 11
     00000150900    12131400                                                                                          00000150900    12131400




                                                                        Credited account               To Order of

                                                                                    1                  1



 SAP AG 2003
             Handling Incoming Checks – Cash Checks




         Customer             Checks                Bank            Bank Statement

        OI       1           1     2            2                       Credit



    Open        Incoming Payment       Deposit of     External Reconciliation
   Invoice        Payment means         Checks         with Bank Statement
                      Check




 SAP AG 2003
             Handling Incoming Checks – Postdated Checks




         Customer           Checks          Postd. Checks             Bank
        OI        1         1        2         2      3        3
                                                                             Credit


    Open        Incoming Payment      Deposit of        Postdated
   Invoice        Payment Means    Postdated Checks   Check Deposit
                      Check
                                                                   External reconciliation
                                                                    with Bank Statement




 SAP AG 2003
            Handling Outgoing Credit Card Payment




         Bank Statement                 Bank Account                    Vendor

           Debit                                    1               1            OI




                   External Reconciliation        Payment to Vendor          Open
                    with Bank Statement        Payment Means Credit Card    Invoice




 SAP AG 2003
             Handling Incoming Credit Card Payments




         Customer          Credit Card        Def. Account            Bank
        OI        1         1       2           2        3        3
                                                                             Credit


    Open        Incoming Payment   Deposit of Credit   Postdated Credit
   Invoice        Payment Means     Card Voucher       Voucher Deposit
                    Credit Card
                                                                   External Reconciliation
                                                                    with Bank Statement




 SAP AG 2003
             Handling Incoming Credit Card Payments – Installments




         Customer          credit card         def. account           Bank
        OI        1         1       2            2      3         3

                                    2            2      3         3
                                                                             Credit
                                    …           …       …         …          Credit
    Open
   Invoice                          2            2      3         3             …
                                                                             Credit
                Incoming Payment
                  Payment Means
                    Credit Card    Deposit of Credit   Postdated Credit
                                    Card Vouchers       Card Deposit
                                    (One for Whole
                                   Payment or One                External Reconciliation
                                   Per Installment)               with Bank Statement


 SAP AG 2003
            Banking: Unit Summary



                  You are now able to:

                   Handle incoming and outgoing payments
                   Configure and use the payment wizard
                   Reconcile accounts internally
                   Enter external account statements and reconcile
                    them with your bank account
                   Explain how payment processes for different
                    payment means are structured




 SAP AG 2003

				
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