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.

Parameters Maintenance

•  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

•  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.

Accounts Management

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

General Ledger

•  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 Module

•  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.

Financial Transactions

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

Limits and Linkages

•  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.

Audit and Control

•  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.

Charges Module

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

Signature Verification System

•  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.

MIS Reporting

•  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:

Chart of Accounts Maintenance

Deposits

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.

Online Banking

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).

General

Cheques Management

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.

Holds & Liens

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.

Outward Remittances

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.

Standing Orders / Instructions

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.

Clearing System

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

Code Line Clearing / Electronic Fund Transfer
( CCL/ETF/BOPCUS )

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

Teller / Cashier Management (CCY Denomination)

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.

Bank Guarantees

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

Travelers Cheques Management

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.

This module is designed specially for the Islamic Banking as the growth of Islamic Banking is increasing day by day. It's a complete module which has the Repayment, Automated voucher on Disbursement, Termination. This Module contains the Ijarah Calculator too by which customer can check the rentals for the facility in advance.

It's a partnership between Bank and customer in which, customer purchase the shares time to time from bank while paying the rent in respect of Bank ratio in the property.

It's a contract of sale between the bank and its client for the sale of goods at a price which includes a profit margin agreed by both parties. As a financing technique, it involves the purchase of goods by the bank as requested by its client. The goods are sold to the client with a mark-up. Repayment, usually in installments is specified in the contract.

This module is developed for the profit sharing in an Islamic way. It provides the allotment of Percentage customer wise and distributes the profit at capitalization.

PIBAS Islamic Treasury provides a total solution according to the shariah. It easily handles the complex financial instruments and volatile market situations with respect of shariah 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.

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.

BENEFITS & SALIENT FEATURES

• Unique identification of customer known as BRN (Business Relationship Number)
• Consolidated MIS for customers
• Helps in defining a group of individuals as a guarantor of micro finance loans
• Comprehensive individual & corporate profiles
• Directors managed as BRN
• Shares and other details of Directors
• Assists in tracking down the directors of defaulted corporate customers
• Enhances ability of Recovery Department
• Facilitates Marketing Efforts
• Facilitates Risk Management
• Enhances collateral, limits & exposure management & control in centralized banking environment
• Provides facilities to attach, retrieve and view customer profile & business documents
• Credit cards, ATM cards and debit cards information
• BRN Linked with different modules like Loan & Micro Finance, Leasing, Collateral Management System etc.
• MIS information in various forms showing exposure & business of BRN
• Provides Central Bank reports based on BRN profile and exposure
• Assigning officers to BRN
• Customized information can be added in profile of business entities

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

Compatibility

SVS comprises of two sub-modules

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.