I do not quite agree to the point that PDC needs to be considered for receivables and overdues report in Keris MI. Let me explain.
The AR balance in these reports are reported real-time and are as on date. PDC would offset against receivables at a future point of time and hence should not be considered while reporting as on date AR balances. The PDCs would automatically be adjusted when encashed and duly offset AR balance. However, there is a point to consider PDCs for overdues alarm report which I will take up with the rest of the team for their views.