Core Module

The core Module is the central engine of ICBS. It includes:

• System Tables & Parameters
• User defined dynamic GUI menus
• User defined profiles & Group profiles
• Complete customer database
• Accounting entries generator
• Advice and Customer notes generator
• Transaction rules generator

Central Module

The Central Module includes:

Credit Facilities
• Credits application/collateral management.
• Credit lines management.

Interest Calculation
• Multi - methods: Daily balance or transaction based.
• Flexible periodicity.

Correspondents accounts management.

Regulatory reporting
• Report generator with interface to spreadsheets.

Reconciliation, Consolidation, Revaluation.

Statistics & MIS
• Large set of standard reports ( Risk, P&L, Exceptions, Profitability).

Branch Module

This module handles both the front office and the back office functions of a branch. It supports the retail operation of a bank:

• User defined branch transactions.
• Current accounts, overdraft accounts, saving accounts, term deposits.
• Checks: complete clearing cycle (remitted, received, returned) Checks for collection, Stopped checks, Checks books workflow, Draft checks workflow.
• Standing instructions.
• Commercial Bills and Promissory Notes: discounted, for collection, in guarantee.
• Loans : Personal, Consumer, Commercial.
• Utilities bills payment : Water, Phone, Electricity.
• Third party payrolls payment.