investments under both restricted and unrestricted pools of investment. Functionality of Bankfusion Universal Banking


General ledger. Current accounts and savings accounts, remittances, retail deposits, term and notice savings accounts. Extensible Party Model incorporating flexible relationship linking and 360 degree customer profile. Standing orders, sweeps, withholding tax, cheque deposits, cheque book management, inward clearing, stops, blocks, fees and charges, and delinquency management for movement accounts. Customer origination with configurable KYC and AML management. Loan origination, retail lending, collateral and delinquency modules to support mortgages, personal, business loans and credit risk management. Retail branch support for cashiers, with signature and identity verification via third party systems. Funds transfer, nostro and vostro accounts, statutory reporting. Scheduler, referrals and notifications for event and workflow management. True 24/7 operation. Debit card processing and ATM/POS support via third party systems. Multi-currency, multi-branch, multi-lingual support. Full support for FX, MM, bonds, CDs, commercial paper, deposits and funds transfer. Swift interface, Moneygram funds transfer, internet via Misys IFM and mobile banking via third party product.


Number of known Islamic sales for Bankfusion Universal Banking: 1 Total number of known sales for Bankfusion Universal Banking: 10


Islamic banking functionality supported by Bankfusion Universal Banking


Murabaha, Finance Ijara, Mosawama, Istisnaa, Bai Salam, Islamic Covered Drawn, Tawarouq, Education Finance, Qard Hassan, Wakala, Operating Ijara, Forward Ijara, Musharaka, Modaraba, Murabaha Deposit, Sukuk, Cash Sale. All these instruments are ultimately intended to be supported in an end to end Islamic solution that supports origination, documentation management and contracts generation until the deal is created in a fully Shari’ah compliant workflow. The ability and support is also available for Islamic profit calculation and distribution for Islamic liabilities in an environment that allows the definition of pools, shares, pool income, pool expense and shares until the actual profit rate is calculated and applied to the accounts after being approved by the management.


Pie charts and user lists


Note: Above includes both Islamic & conventional user base 170 Islamic Report www.ibsintelligence.com


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