Core Banking Solution: SuperBankCore Banking Solution SuperBank has been developed by the IT Professionals having Banking Domain expertise and have worked with Banks. These days, banks have to monitor the entire business centrally and also provide very effective customer service through various products. SuperBank allows bank to deploy the entire solution across the bank. It further connects to various delivery channels like ATM, KIOSK, IVR, Mobile and so on. The SuperBank has very unique features which gives bank a unique edge to compete in the current environment. Sr. No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Bank Control Title Core Banking Centralized Any Branch Central Location Centrally possible Centrally, Instant Immediate Centrally Possible Higher Centrally Possible Possible Preferred Possible One time Easy to adopt Possible Tight Partially Yes Total Branch Automation Decentralized At Branch All locations Difficult Requires consolidation Delayed Distributed Difficult Lower All locations Difficult Difficult Not preferred Difficult Recurring Difficult Difficult Open Replacement / Upgradation No Customer Service Hardware Server KYC (Know Your Customer) MIS Fund position Credit Monitoring Customer Retention and Acquisition Technology Investment Technology Administration Easy Operations Survival Banking Trend Technology Solution through lease Technology Migration New Business Requirement 24 X 7 Customer Service Security Utilization of existing machines User Friendly Supertech Solutions Ltd. www.supertechsolutions.in 06. 03. 08. Membership No.supertechsolutions.Sr. 04. Present Address. Private.in .g. Customer Identification and Verification – Customer Signature and photograph Scanning and retrieval facility. www. 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 Title Technology Business Driver Inter Branch Communication Inter Branch Clearing Reports Follow-up Technology Maintenance Work Follow Management RTGS. List of authorized signatories. No. 07. and Permanent Address etc. Government etc. In case of Corporate Customers – Date of Incorporation/date of commencement of business. Constitution of the customer (Public.. 01.. Additional customer identification mode such as thumb impression (if supported by required hardware) Facility to freeze all the accounts of the customer or freeze specific customer. PAN No. 05. Supertech Solutions Ltd. 02. Passport No. Detail customer information is captured and stored while creating customer master e. (If the customer is a share holder) linking the same to the Membership database. Electronic Fund Transfer Cheque Truncation System Administration Fraud Control Inter Branch Reconciliation ROI (Return on Investment) Staff / Executive Training Disaster Recovery Data Back-up Uniform Systems Process Need of an hour Core Banking Yes No Cost Not required Not required Easy Easy Possible Possible Central Location Possible Immediate Better Easy Easy Centrally Possible Yes No Total Branch Automation Recurring Must Required Difficult Difficult Difficult Difficult All Locations Difficult Delay Normal Difficult Difficult All Locations Difficult No Functions and Features Customer Centric Approach The information captured can be used for all the accounts of the said customers.) In case of Minor – details of Birth Date and Guardian information Detail Personal Information like Driving License No. c. Identification of High Value customer based on predefined parameters (such as deposit size.supertechsolutions. Verification of introducer by displaying Signature and Photograph of the introducer by hot key (if introducer is from the same branch) 11. 13. 22. The system provides facility to view all the product types and summary of all the accounts to give total picture of selected customer ID. Demand and Time Deposits settings are parameterized as well as you may have different levels of General Ledger Heads (e. 10. 25. (For Example you can create General Ledger for Savings Deposits.) 04. loans available or even income given by the customer to the bank by ways of commission or interest on loans) 12. Term Deposits. Account Numbers are Numeric and generated automatically. number of deposits. Current Deposits. Customer ID vis-à-vis account number selection. Main Groups / Sub Groups and Sub-Sub Groups) 03. E or S etc. 21. Other Parameters / facilities available in the module are a. Maintain Status of Account (Active. Closed etc. 06. 05.) 02. 23. / Max. 24. period of association with the bank. Facility to Print the Statement of Account as well as supports Passbook Printing. Pigmy Deposits etc. 16. Short Term Deposits.g. 20. Min.in .09. Facility to capture introducer details. joint. Help is available whenever we are selecting customer ID (based on Name of the Customer) Customer Portfolio available at a glance. 15.) Minimum Balance to be maintained. 14. 18. Customer Balance Sheet and Profit and Loss Account viewed at a glance. 19. b. Mode of operation can be set for every account (Single. 17. Customer Service Station provides all transaction facilities through single option. Customer Statements are available Online and can be generated as and when required. 07. www. Product Definition – You can create various Deposit products by setting the parameters in General Ledger Maintenance. Group Portfolio (Group of Customers are monitored) E Security through Attendance Record Customer wise Inward Tracking Customer wise Outward Tracking Letter Library for Outward Communication Customer wise Document Scanning Customer wise Document Record and E Audit Parameter Driven Document Types Customer Alerts User wise Task List and remainders Deposits 01. rate of interest Supertech Solutions Ltd. Freeze. e. Cheque book facility – Display all the leaves issued to the account holder and the status of each cheque. d. Balance can be transferred to fixed deposit by maintaining minimum balance in the account. number of deposits and number of withdrawals during the period etc. The exceptional transaction report can be generated for a. 18. 12. System maintains different balances – Clear Balance.d. Interest calculation methods are user defined (Daily. Alerts or warns the user and maintains log. Accepting details of Form 15 h / Form 60 10. 20. Stop Payment Freeze Accounts Closed accounts Balance going below minimum level / going in Debit Due dates of Deposits Etc. Facility to issue / pass / delete facility for cheques Stop payment facility 08. Accepting nomination details and printing of Nominee register at regular intervals.in .supertechsolutions. Fixed Deposit Maturity value Cash Certificates Find Maturity value of Recurring Deposits EMI calculation etc. Whenever the any loan is modified and fixed deposit number is updated in security details the lien is marked to the particular fixed deposit account. total interest during the period. (one loan account may have multiple deposits marked for lien) 13. e. Unpass Debit. 11. c. 17. d. 21. Un-pass credit Supertech Solutions Ltd. Accepting lien and printing lien register. b. quarterly. Flexi deposit scheme where Savings or Current account can be linked to fixed deposit accounts. Net balance. Generates Fall Due register. Min balance during the period. Facility to calculate projected TDS amount during the year. half yearly. Facility to estimate cost of deposit – product wise. Unclear Balance. Periodically reports can be generated which is called Turn over report which contains – average balance maintained in the account. monthly. 15. www. – List of matured accounts. f. c. yearly) 16. f. 14. Calculator facility or enquiry facility is provided for a. Facility to withdraw from account using withdrawal slip for Savings Deposit types. 09. At the time of withdrawal if the balance is not in the main account then it will be taken from the fixed deposits. Max balance during the period. Generates Balance confirmation letter as and when required. 19. b. User can customize the receipts as per their requirements. Loans 1. 23. System calculates Drawing Power on the basis of security offered and valuation thereof Supertech Solutions Ltd. Health of the account etc. 27. Priority Weaker details of the account 16. 2.) The account is linked to Customer ID Various other details are accepted while opening an account Sanctioning authority Sanctioned amount EMI amount 10. Sub Group and Sub-Sub group). Printing of user definable Fixed Deposit Receipts. www. Facility to create different types of Loan schemes. a. 8. 5. 7. 20. Doubtful. The interest amount can be transferred to the designated account. All types of advances are categories like Standard. and loss assets etc.22. b. c.in . 25. Periodically statement can be printed or passbook can be issued to the account holder. 3. Facility to update multiple disbursements for single account. First installment start date 12. Moratorium period 11. 6. User can maintain multiple deposit receipts under single account. Purpose of loan 14. 9. 4. Number of accounts can be opened under general ledgers. Sub-standard. Cash Credit / Overdrafts Term Loans (EMI /Non EMI loans) Housing Loans Different types of general ledgers can be open (Hierarchy of General Ledgers is like Main Group. Security details for the loan account 15.supertechsolutions. E or S. User can set the parameters for automatic renewals of accounts (In Fixed Deposit Accounts) 24. Joint etc. Rate of Interest 13. 17. Provision to round the interest amount in multiple of one rupee. 18. 26. 19. For Non-cumulative deposits the system accepts standing instruction for interest amount. Provision to maintain Interest Payable. The account number is numeric and is auto generated) Mode of operation is parameterized (Singe. ) 24. reminders can be generated and reports are generated as and when required. Check In – Check Out Log Maintenance Leave Management Employee Attendance User Attendance Password inscription in Masters User-wise / Module-wise security Options Un-limited User defined Levels (Users) Hardware Lock Facility Inherent security features of Oracle 8 Parameterized Password setting – Length / Validity Debit and Credit Limits for every operators Exclusive Client Server environment Supertech Solutions Ltd. Auto deduction of service charges like (cheque book charges. (if renewal date < today’s date) 25.g. System supports to capture details of Post Dated Cheques (PDC). As well as there features will restrict the unauthorized person to get the entry in to the software or to the database. Quarterly. 26.supertechsolutions. System provides facility to transfer the interest amount to loan account (in case of Non Cumulative Deposits only) 28. Maintains due dates of renewal limits and alerts at the time of voucher entry. stop payment charges etc. Other Noteworthy Features Feel Secure Various security measures are available in the software. Repayment schedule is generated automatically. System provides the facility to periodically check the pending interest payments. 27. EMI can be calculated automatically depending on the Sanctioned amount. (Alerts when then PDC is to be presented for clearing) 23.in . Integration with standing instructions for payment of installments periodically.) 22. as and when required etc. Monthly. www. Periodical interest calculation is parameterized (e.21. rate of interest and period of loan. bank Outlook Express for Bank working o o o o o o Future Enabled Database support for new versions of Oracle Easy Customization Inherent adoption of Windows Communication features Supertech Solutions Ltd.supertechsolutions. Prefixed Inward Allot & Transfer Facility Reports User-wise Address Book User-wise Date Appointment Date-wise User-wise Task Management Message Sending to other users Chatting between Bank employee Alerts TDS Calculation features o o o o o Inward / Outward o o o e. Internet A/c etc Automated Bank Charges and posting Credit / Return Clearing with Automated transaction generation Special Clearing features o o o o o o Clearing Maintenance Patti Reports TXT creation Dat File creation High value clearing MICR clearing TDS . www.in .Actual and Projected TDS Posting TDS Certificate General TDS & Posting Parameterized TDS Inward / Outward No.Other Features On-line help and Manuals for easy reference Batch Passing Utility Choice of Single Entry / Double Entry Facility Multiple Windows / Multi-Tasking Facility Interest Calculation for single or range of accounts Data Export facility for Add-on modules. FD Report Writer to create User Defined Reports User Defined Labels / Captions Temporary Upgrading of User Rights Settings for location wise Cash Hours. DD. Holidays House Keeping In house keeping numbers of things are required to be done. Access is restricted.supertechsolutions. Setting up Holidays /Weekly Offs Setting up Shifts Setting User Levels (Unlimited) Setting User-wise / module-wise rights Setting up Password / Change Freq / Length Setting Minor Age setting Setting Under Utilization percentage Branch Reconciliation Passbook Print Setting FD Print Setting Other Report Settings Maintaining Customer Portfolio Post-dated Cheque Acceptance Facility Customer Drill down Balance Sheet Maintaining Letter Library Enquiry Voucher Printing Supertech Solutions Ltd. www.Highly Parameterized Easy Creation of ‘n’ level of General Ledger General Ledger Account-wise parameter setting Account-wise Interest Calculation Frequency Setting Interest Accumulation Account parameter User Defined Rounding Method Slab-wise Interest Rate Definition Quarterly Budget Definition Drag-and-drop facility for formatting Pass-book. Weekly Offs.in . These parameters can be modified by the Administrator / Manager only. This is a tool by which we can generate / create various reports.MIS Reports Various special MIS reports are generated from this software.in . Find enclosed the list of few reports generated from the software.supertechsolutions.Period wise NPA . Daily Reports Day Book Statement of Accounts Statement of GL GL Balancing Report Scroll Book Cash Scroll Clearing Scroll Transfer Scroll Accounts Opened Register All GL Heads Selected GL Heads Standing Order Register Execution of Standing Order Register Overdrawn Position of CC Accounts Supertech Solutions Ltd. To name the few Amount wise Classification of Loans Amount wise Classification of Deposits Rate of Interest wise Classification of Loans Rate of Interest wise Classification of Deposits Amount wise Classification of Overdues Purpose wise Classification of Loans Periodical Balancing Graphical Reports Balancing Tally report Balance Sheet Post dated cheques Reports NPA Calculation NPA Graphical Report NPA . By giving little training even the user can create or customize the reports as per the requirement. www.Amount wise Core Automation Reports We are using Crystal Report writer for generating reports. www.List of Depositors Term Loan Undertaken Statement Accounts Closed Register Cheque Book Issue Register Stop Payment Instruction Register Service Charge Register Trial Balance Patti Report Master Report Mode of Operation Constitutions Priority Purpose Health Sanction Authority Occupation General MIS Report Lien Deposit Register All GL Head Selected GL Head Guardian Listing by A/c Guarantor List by GL Code Guarantor List by Name Nominee Register Member / Non-Member Deposit List Sub Group Report User List Insurance Due Date Register Loan Details Loan Progress Details Classification of Loans Rate of Interest Balance Amount Sanctioned Amount Security Classification of Over Dues GL & Account Period Supertech Solutions Ltd.in .supertechsolutions. g.000.in . Module Parameter settings for the NPA Module.000. Form 16A in prescribed format.5.00 then by rule the bank should deduct the Tax amount from the account holder and should deposit the tax amount to Income Tax department.) List is generated to know the member's deposits and non-member's deposits along with the interest paid/payable on deposit. Reports related to Form 26.000 has been reduced to Rs. Societies.5. N.P.Classification of Deposits Rate of Interest Period Interest Reports Saving Product Register Account-wise Interest (Saving) Fixed Deposit Product Register Fixed Deposit Summary Recurring Deposit Detail Recurring Deposit Summary Tax Deducted At Source The income tax department has decided and instructed all the banks to deduct tax from the interest amount if interest amount is more than 10. Accepting the details of PAN number of the account holder If the customer has submitted Form 60 or Form 61 then the related information is stored in the database.supertechsolutions. The limit of 10. Term loan / Gold loan NPA details report Cash credit NPA detail report GL wise NPA detail report GL wise NPA summary report Over dues report NPA classification Supertech Solutions Ltd.000 in this year's budget. So if the bank is interest on Deposits is more than Rs. like list of accounts where TDS is applicable or not applicable. www. All the Deposit accounts of one customer are group together to find out total interest paid / payable. (e.A. List of accounts exempted from Tax. Government offices etc. Various reports are generated through this system. Tilt. Skew Photograph or Signature Supertech Solutions Ltd.in .NPA Provisioning Clearing Module Facilitates inward and outward clearing Fate-wise update View of Cleared & un-cleared balances Printing Module (P.B) Printing of Pass-Book Printing of Fixed Deposit Receipt Printing of Demand Drafts Signature /Photograph Scanning Capturing / Retrieval of signature / photo Function key help On-Line verification of Photograph / Signature Zoom.supertechsolutions. www.