PIBAS Plus

It is the core banking system which is the heart of all banking activates. It entertains request from all delivery channels. It is robust, reliable, Efficient, Economical and Effective.

• User can define the products, Security and user maintenance with the help of the Parameters. These parameters are easy to understand so the user can easily design the structure according to the need.

• Business Relationship Module (BRM) is an extension of commonly known CRM mainly because it provides the customer institutions the facilities to keep, review and maintain information related to customer, vendor, supplier ,consultant and so on. The main benefit of BRM is unique identification of customer known as BRN (Business Relationship Number) and Consolidated MIS for customers.

• A unique design of Account Number is generated which defines the product, currency, BRM and the information of the subsidy accounts.

• A combination of shadow accounts (for Balance Sheet) and posting account (GL Posting Account) can be defined so the books of the financial Institution will reflect the correct and easy to understand shape.

• Security Measure can be taken to restrict the user for not breaching his/her rights. There is also an Authorization system by which financial transaction can be govern if a user is need to get over his/her limit.

• System has the capability to cater all sorts of Financial Transactions which are now a normal practice in Banking.

• Customer can be assigned to have the linkage of his\her account in case of having more than one facility and separate limits can also define according to the each product.

• System maintains a complete Audit Trail of every financial and non financial activity performed during the day and can be recalled too from the Reports.

• Financial Institute can define charges according to their policy and at any desired stage.

• As the requirements of SBP for the illiterate persons, a user can view the scanned picture of the account holder/s system can have the photo scan at the window of verification by Signature Verification System. Signatures can also be viewed from this module.

• It provides the complete information regarding the financial and non financial transaction/activities of the day. Past financial and non financial activities can also be fetched by MIS.

This Module of the system provides all the functions, facilities and features required in general banking. It covers the following areas:

• System accrues the interest on the closing balance of the day on individual customer account by the GL account defined on the product and capitalizes according to the requirement of the Bank on the Average or Closing Balance methods with effect of grace period defined as per requirement. ATM can be issued to the account holder and bank can define the limit of transaction per month.

• It's an account without interest. ATM can also be issue to the account holder and the flow of transaction can also be defined by the bank per month. Minimum Balance requirement can be carryout.

• This account is use to cover some contracts require a percentage of funds to be transferred before delivery as an act of good faith. Money put down as evidence of an intention to complete a contract and to protect the other party in the event that the contract is not completed.

• Deposit till 7 working days and the interest can only be paid after the maturity of the Deposit. A minimum and maximum limit can also be assigned to the product.

• Deposit more than a week is deposited in these accounts with minimum and maximum limit of deposit. Special rate can also be given to the desired customers by bank. Interest payment can be monthly, half yearly, yearly or at maturity. At the break of the Term Deposit, Penalty can be defined according to the policy of the bank.

• Its an account on which bank issued a negotiable or non-negotiable form which have maturities as short as seven days to seven years or longer, and pay a market rate of interest.

• This Module caters through Internet, Mobile Telephone and Touchtone Telephones. These facilities perform online and real time different banking transactions, even in totally distributed environment. All its transactions are channeled through PIBAS Switch Controller (PSC) and Interface Management System (IMS).

• A proper module on cheque management is available in which Stock can be entered, Issued, Cancel, Stop and release. Charges can be automatically be debited from customer and these charges can be waived too.

• Bank retains an asset in an account until the item has been collected or settled. A lien encumbers the borrower's property pledged as security, up to the amount of the debt, and guarantees the lender's right to collect payment through legal means.

• Pay Order and Demand Draft can be issued after application and payment can be transferred to the customers account or paid in cash. PO and DD can be canceled, stopped and released. Duplicate printing is also available.

• Customer can specially instruct some of the activities or block the account like Debit and credit blocks or the minimum balance can go down less than any specified amount.

• Inward and outward clearing can be realized on a single click and the system will mark the Outward Clearing Return automatically and the charges will be debited from customers account. Inward and Outward Clearing can be tracked by the reports available in the system

• System provides Fund transfer from an account to account without the conventional paper instruments or electronically by using Telephone, computer or electronic terminal.

• In respect of the need and the urgency of teller, we develop a state of the art system for teller by which a teller can perform his/her activities in the least given time.

• It provides the perfect combination of Security against guarantee and Bank can plan a percentage or fixed commission from the customer.

• Travelers Cheques issues to those who do not wish to carry cash when traveling, so a separate module has been designed to cater this need of Banks. Traveler's Cheques can be issued in different denominations. Module can handle cheques for one signer or for two. These cheques can be purchased with the use of available funds in customers account or for cash. Cheques can also be managed in numerous foreign currencies. Percentage of income on the total Cheques issued or on the single cheque can be defined which will transfer the income automatically to the defined accounts.

• It's a Lending facility for the fixed term. Customer only charges for the amount he /she utilizes and that utilization will get zero after the installment has been paid. Customers can pay his/her installments will be paying monthly, quarterly, half yearly or yearly.

• This Module caters with Personal Loan, Home Financing, Car Financing and other related financing. System generates Purchase order too for asset based financing. At disbursement system post an automated entry to post the Loan. This model also facilitates bank by providing Loan Termination, Loan Settlement, Balloon payment and Restructuring.

This system covers both Financial and Operating leases, for single asset as well as a fleet. LFS effectively manages entire Lease Investment Portfolio (LIP) and provides fully automated voucher generation at all stages of lease life cycle. Besides fulfilling the requirements of international banking it also caters for Islamic mode of financing. It is fully integrated with Core Banking Modules like Collateral Management, Business Relationship, Account Management, Financial Transactions and Central Bank Returns.

Provides Tools to Monitor and Control Risks
Enables Standardization & Reliability of All Financial Calculations
Fully Automates All Voucher Generation at Different Stages of Loan Cycle
Fully Parameterized Products of Loan to Create Variety of Products
Provides Tools to Monitor Performance of Credit and Recovery Officers
Facilitates Follow-up on Cases in Litigation
Empowers the User to Generate MIS Reports Through Dynamic Report Generation Facility
Covers all possible activities starting from prospect state (Application submission, Sanction, and re-sanction, Agreement, Discard, Reject, Disbursement, Repayment, Charge posting etc.)
Provides Flexible Generation of Schedule
Facilitates Early Termination or Partial Payments or Early Payments
Provides Facilities for Rescheduling and Restructuring of Loans
Facilitates Credit Line Management
Allows Remission Schemes Management
Provides Waiver/Write-off Management
Enhances Charges Management with Concept of Charges Receivable
Classification of Accounts and Risk Management
Along with Business Relationship, Collateral Management and A/C Management, this system could be interfaced with any Application System.

This Module is complete towards the lease concept. The repayment can be made in deferred and in staggered mode. Rental can be paid monthly, quarterly, half year or yearly. System automates the complete voucher including the Security Entry at the time of disbursement and System can terminate the lease too. Syndicate Lease option is there to handle the Corporate Leasing. It has the description of Collateral wit the lease proposal.

PIBAS Collateral Management System (CMS) provides a powerful tool to the bank to manage, monitor and control the assets submitted by the customers as collaterals to avail the credit facilities of the bank.

Provides Tools to Monitor and Control Risks
Parameterization gives extensive flexibility
Enables Standardization and Reliability of All Financial Calculations
Alert Management Provides Customized Alerts on
- Disbursement
- Rentals / Repayments
- Insurance Renewals etc.
- Makes Waiver/Write-off Management Very Easy
Provides Tools to Monitor Performance of Credit & Recovery officers
Facilitates Follow-up on Cases in Litigation
Empowers the User to Generate MIS Reports Through Dynamic Report
Generation Facility
Facilitates Management of Lease Through Dynamic Document
Generation Facility
Makes available Non-Financial Information for Marketing and Tracking
Provides Cushion / Grace Period for Rentals/Repayments
Automates Account Classification and Suspension of Income
Facilitates Proposal Generation:
- Specific to a Particular Customer
- General Proposals (Like Brochures)
Provides Facility to Categorize Asset to be Leased
Covers Full Insurance Life Cycle of the Lease
Manufacturers, Dealers, Surveyor & Insurance Co. Management
Generation of Schedule (Annuity Based, Staggered)
Maintains Delivery Schedule for the Leased Asset
Provides Check List of Documents Required
Facilitates Early Termination or Partial Payment
Gives Elaborated Life Cycle of Lease from Prospect State
Provides Facility for Application Submission and Processing
Generates Contracts
Assists in Disbursement and Delivery of Leased Asset
Allows Bulk Rental Repayments through Post Dated Cheques.
Automates Rental Deductions
Provides Facilities for Termination and Repossession etc.
Along with Business Relationship, Collateral Management and A/C Management this System could be interfaced with any application system.
Taxation & Asset Depreciation facility on MIS

Business Relationship Module (BRM) is an extension of commonly known CRM mainly because it provides the customer institutions the facilities to keep, review and maintain information related to customer, vendor, supplier ,consultant and so on. The main benefit of BRM is unique identification of customer known as BRN (Business Relationship Number) and Consolidated MIS for customers.

As the requirements of SBP for the illiterate persons, a user can view the scanned picture of the account holder/s system can have the photo scan at the window of verification by Signature Verification System. Signatures can also be viewed from this module.

Benefits & Salient Features

Improves operational efficiency and productivity through multiple access facility
Enhances customer service due to instantaneous access
Prevents / reduces frauds due to forged signatures
Provides comprehensive security at database, system, and user level
Enables reporting of all activities due to logging mechanism
Zooming capability for enhance viewing
Thumbnail impression facilitates viewing of multiple signatures at a glance
Links a signature to different accounts, if required
Retrieves signature within couple of seconds
Shows only certified signatures to prevent frauds
Compression capability for economical storage
Accommodates 4000 signatures / 10 MB (Under recommended settings)
Multi-branch system, which can be deployed in both centralized and distributed database environment

Compatibility

System Management

It includes system settings, branch maintenance, account and signatory maintenance, user maintenance, logging, security and reports.

Sign View Server

The system facilitates online real-time viewing of signatories' information along with signatures and photographs for any account by any authorized user, both for intra-branch and inter-branch transactions.

Reports

• A/C & Signatory Added / Deleted
• A/C & Signatory Modified
• User Added / Deleted
• List of Signatories
• Certified Signatories
• Modified Signatories
• Pending Signatories
• Rejected Signatories, etc.

PIBAS Treasury provides a total solution. It easily handles the complex financial instruments and volatile market situations and gives a comprehensive and sophisticated solution. It got the security measure for the Front office as well as Back Office. Limit of Broker, Dealer and Counterparty can be set and if some how the limit is need to be overlap than the authorization proposed on the limit will govern the whole activity. It also got the MIS system by which some of the reports can easily show the position of Blotter, Cash Flow or NOSTRO.

Provides Real-Time Multi-Dimension Exposures
Enhances Operational Efficiency
Real-Time Risk Management:

Dealers, Brokers, Counter Parties Limits
Inter day Limits
Transaction Limits
Total Limits
Forward Limits
Overall Multi-Currency Limits
Security & Audit Trail

Portfolio Structure
Accounting Interface
Analysis & Reporting
Graphs, Charts and Comparisons

It provides facilities to manage the funds to fulfill the regular and recurring need for liquidity management.

It facilitates all needs regarding Treasury Back Office operation, from deal inception to maturity.

PIBAS Trade Finance System enables the customer bank to conduct all sorts of Import and Export business is a comprehensive, real-time, online application that automates trade related banking operations in a seamless deals. It got Faster Deal Turnaround due to Parameterization and Audit and Control and it's got proper Import and Export session so a user can be easily deal with the client.

Faster Deal Turnaround due to
Parameterization,
Template Facility etc.,
Vastly Improved Service Level
Ability to Work from Remote Sites / Branches
Powerful Enquiries and Reports
Real Time Data Extraction Facility Across the System
User Friendly, Multi-Currency and Multi-Branch
Online SWIFT / Telex Message Generation
Fully Automates all Voucher Generation in different processes
Of Trade
Online Voucher / Receipt Printing and Re-printing
Audit and Control and Management Information Reports
Provides Combined or Split Limit Allocation
Instrument Monitoring
Inflow and Outflow Documents Tracking
Auto Computation of Charges with Override Facility
Online Instruments Generation and Printing
Maintains Commodities, Special Instructions, Clauses and Documents Associated with Instruments
Automated Interest Calculation / Posting
Letter of Credit Amendment History
Can be interfaced with other Core Banking Applications