Product OverviewBankers Realm Islamic Integrated Finance System

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Craft Silicon Limited, Proprietary intellectual information.

Bankers Realm : General Characteristics.

Proven and stable Core Micro Finance Product with installations across the globe.

Easy to learn and use with Online Customizable Help at all stages.

Available in different Languages with full scope of customization

Supports Multiple delivery Channels

Easy integration with other systems including Legacy systems.

Highly Scalable.

Individual, Groups and combinations thereof

Customer centric System

Multi Currency, Multi Company.

Anytime, Anywhere, Anyhow Operations.

Strong MIS, EIS including Graphs and Charts.

Integrated To BIO Metrics devices to enhance Security

Ability to new Create Products.

Though Bankers Realm is an off the shelf core Banking Product, it is generally customized to meet the needs of the customer. Banking industry is very dynamic and it is important for the bank and Craft Silicon to work as a team in order to address the needs of a demanding customer.

bMobile is an add on product that notifies on your customers mobile phone unit with the account balance, currency rates and other vital information. Give your bank an edge over others with this handy mobile interface. A great combination of internet and mobile technology. System can generate events notifications or could get instant approvals from your customers for instance transaction above a certain limit .

Bankers Realm CMS (Core Microfinance Solution) is a dedicated software for Micro Finance organizations working with either Group based or Individual based lending methodologies. It is a web based solutions with thin client platform. Easy to implement and upgrade.Due to the varied nature of operations in Micro Finance organizations across the globe, this product is highly parameterized. The product is well rated by major Micro Finance funding agencies and Donor communities across the globe. This product is also ideal for Micro Finance organizations who are planning to convert to a full fledge commercial bank, since it can be easily upgraded to Bankers Realm.

Trucell This is trully rich mobile banking application , that provides bank and customers access to banking services , right from their mobile phones. It has easy to use menu for bank employees to process over the counter operations , loan processing , customer account opening , and for the customer , provides easy online access to accounts , transfer funds and make bank request.

Banking@Home is a value added product that allows your customers to access their accounts using the latest internet technology. Your customers can get access to their accounts from your web site. The software is secure and uses 128 bit SSL technology to keep the data flowing on the internet safe from hackers.

Bankers Realm is a high end internet ready bank automation software, designed for small to large sized banks and financial institutions. Under the canopy of Windows based servers with open end like MS-SQL Server, and with its inbuilt intelligence, this product can do wonders to your bank and your customers! It is an e&m ready product with Customer notifications sent either on E-mail or Mobile, are inbuilt in the system. At the same time, this system can act as a base for other add on delivery channels like internet banking, ATM, Smart Cards, etc.

RealmCE is a compact edition of Bankers Realm. This product interfaces to the main system, and allows you to transact on the hand held computer. An idealproduct to capture socio Economic transactions including Credit Scoring details. This device can update the main database using either a normal or a GSM connection. The product can be interfaced with Magnetic cards or SMART cards too.

AfricaKenya, Uganda, Tanzania, Rwanda, Ethiopia, Malawi, Zambia. Nigeria, Ghana, Gambia. Sudan, Madagascar, Burundi, Ivory Coast, Niger, Cameroon, Swaziland, Namibia, Botswana, Somalia*

Eastern EuropeBulgaria, Armenia*

AsiaIndia, Mongolia, China*

PacificMicronesia, Papa new Guinea.

Central / Latin AmericaMexico, Argentina

*Upcoming Clients

Our software products are used in more than 30 Countries and four different languages (English, French, Spanish and Islamic), More than 150 Customers.

Component Requirements

Database Microsoft SQL Server 2000.Oracle 9i / 10g

Database Server Operating Requirements

Windows LinuxUnixSun Solaris

Middle Tier Windows 2000 / 2003 Server

Client Workstations Windows 2000 Professional / Windows XP / Vista.

Connectivity options Bankers Realm is a SMART client software which can operate on low bandwidth lines. Recommended 64 KBPS connectivity lines across the branches.

Depending on the actual requirement Bankers Realm can operate on Centralized or decentralized Mode.

Branches post to local server, which gets replicated to Central Server.

Ideal for banks where communication infrastructure is not available or un-reliable.

Branches are autonomous, however the Head office get consolidated as and when lines are available.

Offline consolidation available where data is physically transmitted via Disks, CD and e-mails.

If communication Infrastructure is reliable, a full centralized mode can be implemented.

Branches post to Head Office server, which optionally gets replicated to Branch Server.

Branch Server is an optional component.

Ideal for banks where communication infrastructure is reliable.

Centralized Server automatically replicates data to a respective branch server and a disaster recovery server.

Craft Silicon recommends this mode.

Information dashboard is a solution designed to help users access the information and experience they need to work smarter. They auto update small sections of your screen that provide you varied information that matters to you most.

Large Amount Transactions

Account Transaction Amount

001-1112346 KENYA AUTO LIMITED Cash Debit 2,500,000.00

001-1112070 CRAFT SILICON Debit Clearing 3,232,140.45

Loan Installments Falling Due

Account Outstanding Amount

Installment

001-3727182 DHIMANT SHAH (540,650) 23,550.00

002-1102910 SHABBIR HAKIM (120,045) 4,950.00

002-0102180 Craft Silicon Limited (5,405,880) 210,550

Some examples of Dashboards • Currency rates• Excess over limits and Temporary overdraft accounts.• Top <x> Large Amount Transactions.• Cash Flow• Deposits that are maturing in near future• Installments due• Limits Expiring• Insurance Expiring• Favorite Accounts• Accounts Opened / Closed during the day.• Personal Appointments and Reminders

Bankers Realm have a detailed Customer Relationship management Modules. Personal Details, Address Location including GPS, Business Information, Employment Details, Bank Details, Relationship Management, Photographs, Signature, Alerts and much more.System capable to send PUSH / PULL SMS & E-Mails automatically based on various conditions.

Options General De-Duplication Rules embedded in the system.

De-duplication warnings based on BIO Details.

User Defined Fields Allow you to manage user defined information.

One point information view and management.

System allows you to create own customised fields and screens without any programming.

Signature / Photographs / BIO Details. System is equipped to connect to Webcam and take live pictures at the point customer is opening the account.

Options We capture multiple Finger BIO Details for security reasons.

BIO Details integrated to Internet Banking, ATM and POS to ensure security.

Images, Signature and BIO Details are stored in database in compressed format to save disk usage.

Account Operating and Joint Signature details available at every financial transaction.

Banking Industry is very dynamic. For a bank to stay ahead, they have to provide efficient and customer friendly financial products to their customers. Bankers Realm allows the bank to design their own products providing complete flexibility on how it operates, charges, Legal Requirements, PLS, General Ledger interface, provisioning, etc.

Options Charges and fees are defined user defined and can automatically recover from customers.

Product Documents allow you to get full control of legal frame work.

Documents can be scanned and stored with its inbuilt imaging solutions.

Bankers Realm allows the Bank to analyze the various product into different sections which enables the bank to conclude on the performance of each products.

Options Following sample Bankers Realm screen provides insight of the YIELD based on the weighted Average Interest rate based on the actual recovery month by month.

Selection of different Graphs and Charts available in the system. For example PIE Graph, BAR Graphs, LINE Graphs.

Product comparison module would allow Bank to compare various products in terms of profitability, geographical coverage, genders and other different parameters.

Budgeting is a standard module in Bankers Realm. With respect to the Budgeting at product level, it can be done in terms of amount and clients.Sample screen allows you to compare the Accounts opened in a specified product in comparison with Last year, Current Year and the Budgeted value.

Options Budgets can be captured in terms of an absolute figures or an increase / decrease in terms of a percent values.

Various reports are available that highlights variance between Actual vs Budgeted figures.

Multiple Budgets can be defined. For example CEO Budget, OPERATIONS Budget, BRANCH Budget

Categories

Savings Deposits : Wadia Al Damania ,Mudaraba and Quard Hasan Savings

Current Deposits : Wadia and Quard Hasan

Fixed Deposits : Mudaraba Deposits and Islamic Time Deposit

Flexible PLS Rates

Average PLS Rates

Fixed PLS Rates

Floating PLS Rates

Other

Automatic provisions

Maturity Options

Block / Freeze

Lien Deposits

Penalties on premature withdrawals >Applies only to Sadqat A/C

Asset based Advances

Debt origination System includes Murabaha , Ijara ,Ijara Wa Iqtna , Istisna , Parallel Isistna , Salaam ,Parallel salam and Qard Hasan.

Equity Origination System Include :Mudaraba Finance ,Diminishing Mudaraba, Musharaka Finance , Diminishing Musharaka

Debt/Equity Origination system including :Application process , Purchase contract , Debt/Equity contract and disbursement

PLS Fixed / Floating PLS Rates / LIBOR Rates

Term Debt /Equity/ Revolving Debt / Call / Notice Debt

Partial disbursements / Full disbursement / Appropriation of InstallmentsPartial Payments / Early pay off

PLS, Collateral, Document Plan

Non-performing Debt /Equity processing

Index rate/Product & A/c variance

Accrual & Capitalization frequency

Penalty & Post-maturity PLS Rates

Reminders to customers on letters, SMS, e-mail

Debt /Equity Classification and Automated Risk classification based on performance

Credit officers and linkage with Debt performance tied to the Appraisals and HR System.

Graphs / Charts / reports

Murabaha - Application

Mudaraba - Purchase

Mudaraba –Fund Pool

Mudarabah -Contract

Murabaha – Installment Schedule

Maintain Debt Accounts

AAOIFI Standard of Accounting

Arbisation

Arbisation Log In Screen

Menu Page/Dashboard

Client Maintenance

Account Maintenance

Product Maintenance (CASA)

Debt Product Maintenance:

Murabaha Application

Murabaha Contract

Murabaha Accounts

Categories

Can be tied to account or a group of accounts.

Store images of collateral for onsite management.

Location, Ownership, Transfer management of collateral.

Market Value, Net Book Value, Force Sale Value

Margins and allowable value against a credit.

Automatic Depreciation of collaterals to reflect true exposure.

Under exposed and overexposed collaterals.

Transfer of security would allow you to track the exact location of the physical security.

Security Documents.

Options System can store images of Collaterals in the software and linked to a customer account against his credit facility.

Security Movement can be tracked.

Security owner can be maintained.

Ability to place a CAP on certain types of Collaterals.

Condition System behavior

Account in arrears from 0-30 days Normal Debts

If Account is in arrears from 31-60 days Move to Sub-Standard category.

If Account is in arrears from 61-90 days Move to Watch category.

If Account is in arrears from 91-120 days Move to Doubtful category.

If Account is in arrears from 121+ days Move to Debt category.

Category Provisions

Normal category Accounts 1% General Provision

Sub-Standard category accounts 10% Specific provision

Watch category accounts. 20% Specific provision

Doubtful category accounts. 50% Specific provision

Loss category accounts. 100% Specific provision

Bankers Realm have integrated module to track and process Debt accounts during their life. Accounts can be automatically classified into various user defined categories depending on their transactions.

Based on the classification of accounts, system can provide provision as per the requirements of the Central Bank. Below we have shown some conditions that you can set in the System.

A very comprehensive General Ledger module which is integrated to the system seamlessly. General Ledger / Sub-Ledger are designed in a smart way so that there are no discrepancies at any time.

Opinions Chart of account and reporting of Balance Sheet / PL is no longer dependent on the coding structure. User can define structures as shown here in using simple DRAG & DROP technology.

Multiple General Ledger Formats can be defined to suite requirements of different individuals. For example Balance Sheet - CEO, Balance Sheet – Audit, Balance Sheet – Central Bank

You can also create your own Ratios in the formats. Example liquidity Ratio, Asset / Liability Ratio, etc.

Liability

P& L Expenses

Income/Expenditure PLS

Bankers Realm is been used by 100+ Micro Finance organizations globally. Our customers keep growing, so does their requirements.

Options System have more than 500 settings that you can select from in order for it to behave as per your requirements.

Anytime a new requirements come, we add new parameters. Our customers can take a benefit of wide parameters in order to take advantage of our knowledge base.

Database Security Log Security Login Security

All important data tables in the system are encoded with a checksum of fields. This checksum is derived using a hopping encryption method. Thus any data modification done outside the scope of the system can be detected automatically. Security officer can get message of such fraudulent attempts, and he can act accordingly.

The system keeps a log of every thing that a user does. The usage and event logs are maintained as a part of database, so the system administrator has a greater control when it comes to locating as well as reporting.

Visual security where an administrator can actually see on his screen what an user is doing online real time.

System equipped with BIO Metrics Authentication.

Conventional Security like Password Length, Expiry, No Repeat passwords, etc

Bankers Realm security settings is very comprehensive. It allows you to control user on Module by Module. Each modules also allows further rights to VIEW/ADD/EDIT/DELETE. Various modules that are linked to Amount ( Example – Cash Deposits ) also have amount limits pegged to it.

Options Create ROLES, which makes it easy to create users. For example a role template CASHIER can be copied easily to users with cashier levels.

Access Level can allow the system administrator to control a user with more precision.

A User can have different set of permissions across different branches.

Security Violence can be notified to System Administrator via e-mail or SMS.

Certain study on System Banking Frauds, it is indicated that most of the Frauds of this nature take place after working hours or on a non working day. In order to enhance the security and control the cases, we provided where the login hours can be controlled in detail in hour by hour slots.

Options Precise control hour by hour each day of week. This gives a greater control of system security,

System sends alerts to users when their time is getting close to end.

Core System•A very comprehensive Standing Instructions module.

•Integrated HR / Payroll / Fixed Assets / AR / AP module. This is inline with our vision to make Bankers Realm a truly enterprise core banking system.

•SMS / e-mail technology integrated to core system at all levels. This helps the Bank to send automated communications to customers like “Loan Installment falling due”, etc

•A very unique and helpful option for System Administrator to get details like “System Status”, “Performance Monitor”, etc on their mobile phones, even when they are not physically around the System. For example System Administrator can send a request SMS to Bankers Realm and get the status of the system on his mobile phone.

•Integrated Letter module allows Bank to define specific letters that are used to make official communications to the customers. Example send letters ( or emails ) to customers then they miss their installments.

•Automatic Backup, Archiving and management of database.

•Automatic cross check to ensure integrity of the system.

•WHAT IF options allows you to simulate real life scenarios to derive best financial results.

•Graphs, Charts and visual reporting allows you to better analyze the information.

•Highly parameterized to ensure flexibility.

•Automatic report spooling and scheduler server to get a better control on your reporting requirements.

•And Finally very easy to use !

More details of the product available at

http://www.craftsilicon.com

Comments and Suggestions should be send to info@craftsilicon.com