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Your partner in Banking

Your partner in Banking . Core Banking System with right attributes. 4. CUSTOMER SERVICE. OPERATIONAL EFFICIENCY. TIME TO MARKET. COMPLIANCE. CLOUD DELIVERY MODEL. Introducing our Banking Solution: C o B a S ys. MIS Reporting/ Regulatory Compliance.

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Your partner in Banking

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  1. Your partner in Banking

  2. Core Banking System with right attributes 4 CUSTOMER SERVICE OPERATIONAL EFFICIENCY TIME TO MARKET COMPLIANCE CLOUD DELIVERY MODEL

  3. Introducing our Banking Solution: CoBaSys MIS Reporting/ RegulatoryCompliance Increased Mobile/Branch Locations Single Window CoBaSys ControllingCosts All Modules

  4. …With Robust & Efficient Features Network Optimized Hardware for high efficiency & throughput Security Migration All Modules CoBaSys Features Implementation & Consultant Approach Training & Helpdesk Upgrade & Ongoing SW/H/w, N/w Support

  5. …covering the entire Value Chain Data Alerts Charting and Analysis Dashboards Audit Report Report Employees DMS easyHr IB Gateways TracMate Business Partners Retail Lending INTERFACES Delivery Channels Centralized MIS • Banking Gateways Consumers HO Modules easyBanc Administrative Apps.

  6. CoBaSyscomes with unique Features… • 3 tier Web based bilingual Core Banking Solution with real time on line transactions • Built on scalable technology with robust functionality (JAVA) • Platform Supported – Unix, Linux, Windows • Database Supported – Oracle 11g, MS-SQL , MySQL • App servers Supported – Jboss, Weblogic, Websphere, WASCE • Single DATA BASE for connected branches • MIS generated from Central server with Batch processes running on main database • Proven & reliable technology

  7. … Services Stack Centralized MIS HRMS Fixed Asset MS Circulars Payroll Central Bank Reports Parameters General Ledger Teller Operations Cashier Operation Corporate Banking Tax Calculation Standing Instructions Recovery Delivery Channels Account Openings Customer Acquisition Saving FDs Loans Govt Business Corporate Products Enquiry System at Branches for Users

  8. Core Banking Solution Retail Products Single Window for Products • Term Deposits with TDS • Time deposit • Loans/Advances with NPA • Daily Deposit with POS integration • Savings Accounts • Current Account • Overdraft account • Cash Credit A/c’s Transactions Single Window for Tx • FD issue /Payment Renewal • Loan disbursement • Loan Recovery Entry • Sundry/Suspense entry • Cash Dr./Cr • Transfer (One to one, One to Many, Many to One) • Clearing • GL entries

  9. Corporate & Back-Office Products Retail Products • Letters of Credit • Bank Guarantee • Bills Collection/ Discount/Purchase Corporate Products Transactions • Interest Defining product wise • Charges defining product wise/ category wise • Day book, General Ledger and Trail Balance/ Weekly • Profit and Loss • Balance Sheet • Decision Support Systems • Management Information Systems • Signature and Photograph Verification • Biometric Verification Back Office Products

  10. Clearing & Specific Products Clearing • Multiple Clearing Houses • Holidays for Clearing Houses and Branches • Lodging and Clearing days specifications • Day-end logical check for lodging and clearing Clearing Specific Products Specific Products • Fixed/Term deposits/STDRs • Flexi deposit • Recurring and cumulative deposits • Daily Deposit Scheme

  11. Remittances & Customer Service Remittances • Define document type & document wise stocking and printing • Multiple remittances from single voucher • Stop, lost or duplicate issue & cancellation of documents • Service charges calculation Remittance Specific Products • Deposit/Remittance printing • Standing Instructions • Cheque Book Maintenance • User Management with Access right system • Customer Enquiry Terminal • Lockers • Generation of advices, Interest and Balance Certificates • Passbook Printing Specific Products

  12. FD Module Scheme specific interest charts and covering 0% PMRY FDs Renewal of FD with back dated / today's ROI or SB ROI Auto Renewal of FDs Define own schemes, configure & design documents Flexi Deposit or Super Savings Bank or Super Flexi Scheme FD Module Recurring/ Cumulative Deposits Flexi Recurring Deposit & Daily Deposit Scheme TDS with reverse calculation

  13. Loans Module Demand Loan / Term Loan Consumer Loans, Education Loan Housing Loan Staff / Public Festival Loans Retail Lending Loans Module Agricultural Loans Against Bank own Deposits (LABOD) NPA with memorandum details Protested / Write Off / Claims / Recovery Interest on Mly/Qty, compounding, Moratorium, Simple Interest etc.

  14. Other Modules Other Modules

  15. Strong Integrated Security User Defined Access Rights Back-dated as well as online audit trial Authorization of every exceptional transactions Terminal locking facility & Forced password changing Deposits & withdrawal limit restrictions Integrated Security Features Checksum Concept of maker & checker possible Mandatory Backup of Database at Day end N tier user definable user types with entry and authorization limits NO deletion –deleted transactions shown in exceptional report

  16. CoBaSys- Key Differentiators ISO 8583 compliant BI support Easy to use Single Windows for Account opening & Single Voucher Window One stop shop for a turnkey solution CoBaSys Advantages Single screen operation consist of more than 80% operation Financial inclusion solution with CBS as server / client Integration with industry proven software such as AML and ALMs

  17. Partner with you and take the journey towards growth together… Let us Welcome the new Light Together

  18. Questions and answer

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