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Functionality T24


• Retail banking – CRM, customer on-boarding, query registration, sales; branch, internet and other channel support.


• Transaction servicing – Till operations, vault operations, bureau de change, cheque processing, multi-currency.


• Payments – domestic, international, standing orders, direct debits, sweeps, bill payments, bank drafts, card management, cheque book management.


• Retail lending – Fixed term secured lending, secured flexible credit facilities, unsecured lending facility management, mortgages, captive finance.


• Deposits – Current/DD accounts, deposit accounts, fixed deposits and CDs, savings accounts.


• Wealth management – discretionary support, multi-dimensional modelling, dynamic modelling, recommendation lists, automatic rebalancing order generation.


• Front office – CRM support, order initiation, position control, position accounting, performance measurement, fees and charges.


• Middle office – order grouping, order routing, order execution,


trade creation, structured instrument manufacture.


• Back office – Settlement, reconciliation, client reporting feed.


• Asset class range – equities, fixed income, rights, options, ETD, OTC, structured products, deposits, fiduciary processing, FX, guarantees, collateral and margin calculations.


• Corporate banking – payments, multi-channel initiation, payments.


queuing, international, domestic, bulk


• Corporate lending – term loans, project loans, revolving finance, secured and unsecured terms, flexible schedules, syndicated lending.


Core Banking Systems Case Studies: North America www.ibsintelligence.com 25


• Limit management – hierarchical customer and product limits, product weighting, contingent accounting, support for used lines, fixed and swing limits, collateral handling and valuation.


• Cash management – automatic sweeps, notional cash pooling, reversing and non-reversing pooling, compensation calculations and processing.


• Trade finance – import letters of credit, export letters of credit, collections, guarantees, invoice factoring.


• Treasury – FX, MM, securities, forward rate agreements, interest rate swaps, repos, cash pooling, nostro reconciliations, conformation matching, futures and options, fixed income, equities.


Technical highlights


• Supports third party database offerings (e.g. Oracle, Microsoft and IBM).


• Supports proprietary database, jBase (no longer offered to new customers).


• Can be installed on premise or deployed on a Software- as-a-Service (SaaS) basis and also the cloud (Microsoft Azure).


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