BankBiz (CBS)
e-Bank CBS offers full retail functionality, from the front end to the back office, Cash Management, and product lifecycle management. BankBiz (CBS) delivers on time and with the prevalent best practices in the Co-operative Banks.
BankBiz (CBS) offers browser-based / web-based solutions to the banks with an opportunity to meet present challenges to provide the best customer service with the following salient features :
● Advanced service-oriented multi-tier Architecture with latest technologies
● Reports can be generated at any stage of the Application Life Cycle
● Extremely Cost-efficient
● User-friendly Interfaces
● Empanelled with NAFCUB for implementing Core Banking System in Co-operative Banks
A Simple to Use Private Cloud web based solution to meet present challenges with following Salient features:
● Advanced service-oriented Multi-tier Architecture with latest technologies.
● Reports can be generated at any stage of Application Life Cycle.
● Extremely cost efficient.
● Light weight User-friendly Web-2.0 Interface.
● Restful API Based Architecture
● Command Query Separation
● Configurable Maker-Checker (Four Eyes Principal)
● Fine grained access control
● Rapid Product Creation
● Multiple Lending Methodologies
● Custom chart of accounts
● Configurable workflows
● Role-Based Permission
● Searchable Audit Trails
● Own Account Number Generation Policy
● Own Password generationpolicy
● Branch to Branch Account Transfer
● Product to Product Account Transfer
● Data Table Concept to add any column Self
● Role wise Graphical Dashboard to View the BanksProgress
● Any Type of Account opening through Agent and Collections in these Account from Agents
● Dynamic Report Generation
● Any number of Joint Holders attachment in Account
● GL Based Accounting
● Define up to 5 levels of office hierarchy (Branch Office, Regional Office, Sub-Area Office, Area Office, Head Office) to assign offices to appropriate levels. Create System Users, assign users to an office and assign roles & permissions to system users.
● Audit Trail for each and every event
● User passwords in encrypted.
● Password expiration and user disablement
● Unique session identifiers and secured session details storage.
● Data stored, sent over network are in encrypted form.
● User can login only from Registered IP Address
● Bank can run the CBS on SSL
Note: Bank will purchase the SSL certificate from Certification Authority
● Highly compatible with the rural and other areas having limited connectivity because of Dual Connectivity.
● Secure Connectivity with IP-Sec Virtual Private Network.
● Automatic Link switchover system for smooth Connectivity
● Supports real time monitoring of VPN Network System
● Supports Intrusion Prevention System
● Dual layer Security for VPN Network
● Easy to manage and Integrate
● Dual, High bandwidth lease Line on Fiber at Data Center
● Four layer security system at Data Center and DR Site
● Supports Wired and Wireless both media for VPN Link
● Separate servers for separate Banks.
● Deposit Module like Saving Account, Current Account, Term Deposit, Recurring Deposit , Daily Deposit Scheme and Centralized TDS Module
● Loan and Advances like Over Draft, Cash Credit, Term Loan and Demand Loan
● Group Loan
● NPA Management
● Locker Management
● Auto renewal of Term Deposit
● Cheque issued / stop payment
● Transaction History.
● Interest Received / Paid / Provision.
● Supports Wired and Wireless both media for VPN Link
● Printing (Passbook, FD receipt)
● Cash Deposit / Withdrawal, Transfer and Clearing.
● Incoming / Outgoing Remittances and Cheques.
● Bank’s own Transactions.
● Inter-BranchTransactions.
● Inward Clearing : Distributed and Centralized
● Outward Clearing : Distributed and Centralized
● CTS
● Centralized Inventory Management
● Split and Merge functionality
● Inventory movement from one branch to Another branch
● Automatic execution of SI at Configurable frequency
● Products for Personal / Retail / Inter-BranchBanking.
● Configure Different Charges / Interest Rates.
● Create / Manage Users of the system
● Centralized Customer Management
● Risk Category Management
● Aadhaar Card Mapping
● Centralized User Management
● Role Based Permission
● User Transaction Authorization Limit
● Centralized Transfer and Deputation
● Two Factor Authentication using OTP and e-mail.
● Share Certificate issue
● Dividend Calculation
● Dividend Posting
● Share payment
● Share Certificate Printing
● Label (Sticker) Printing
● Fixed Deposit
● Government Security and Bonds
● Call Money
● Share payment
● Share Certificate Printing
● Label (Sticker) Printing
● Fixed Deposit
● Payroll
● Scheme (PMJJY,PMSBY & APY)
● Real Time CKYC Search & Download
● Bulk Upload & Download using SFTP/Manual
RBI & Other Reports
● Daily Call & Notice Money Operation
● Monetary Aggregates
● Form-1, Statement of Compliance with CRR/SLR (XBRLsupported)
● Form-9, Asset and liabilities as on last Friday of Month –Form (XBRLsupported)
● Form II-Statement of unsecured Loan and Advance to Directors / Firm in which they have interest.
● Asset Liability Management (ALM) (Structural Liquidity & Interest Rate sensitivity)
● Statement showing details on Advances against security ofShare/Debenture
● Statement on information in respect of Loan and Advances to the Bank’sdirector.
● UCB investment in the other UCBs / institutions
● Form-IV- Statement of offices in India opened/closed during the quarter.
● SOSS-1/OSS-1 Statement on Assets and liabilities (XBRLsupported).
● SOSS-2/OSS-2 Statement on Earning (XBRLsupported).
● SOSS-3/OSS-3 Statement on Asset Quality (XBRLsupported).
● SOSS-4/OSS-4,5 &6
● Statement on NPA , large exposure,segment wise advances & NDTL / NOF Ratio (XBRL supported).
● OSS-5 Segment sector wise advances (XBRL supported).
● OSS-6 Statement on connected lending (XBRLsupported).
● OSS-7 (CRAR) (XBRLsupported).
● Special Form IX- Asset and liabilities as on 31st March (XBRLsupported).
● OSS-8/ SOSS-5 Statement on Bankprofile
● Loan and Advances to priority Sector / Weaker Section (XBRLsupported).
● Annual NPA Statement
● Balance Sheet items
● Annual Financial Review
● DEAF I &II
● DEAF III
● DEAF IV
● DEAF V
● Deaf Form VIII-Statement of unclaimed in operative accounts not operated for more than ten years (as on December)
● Daily Position of Cash Reserve and Liquid Assets(Annexure-1)
● AML (CTR, 61A & STR) Report, Real Time STR Alert
● Credit Information Report (CIBIL/ Experian/CRIF/Equifax)
● Consolidated GLB, Consolidated Profit & Loss, Revenue Statement, Balance Sheet
● All Daily Reports .
● Form 15G & 15H (as per new Income Tax Dept.Guidelines)
● Positive Payment System