e-Bank (CBS)
e-Bank CBS offers full retail functionality, from the front end to the back office, Cash Management, and product lifecycle management. e-Bank (CBS) delivers on time and with the prevalent best practices in the Co-operative Banks.
e-Bank (CBS) offers browser-based / web-based solutions to the banks with an opportunity to meet present challenges to provide the best customer service with the following salient features :
● Advanced service-oriented multi-tier Architecture with latest technologies
● Reports can be generated at any stage of the Application Life Cycle
● Extremely Cost-efficient
● User-friendly Interfaces
● Empanelled with NAFCUB for implementing Core Banking System in Co-operative Banks
A Simple to Use Private Cloud web based solution to meet present challenges with following Salient features:
● Advanced service-oriented Multi-tier Architecture with latest technologies.
● Reports can be generated at any stage of Application Life Cycle.
● Extremely cost efficient.
● Light weight User-friendly Web-2.0 Interface.
● Restful API Based Architecture
● Command Query Separation
● Configurable Maker-Checker (Four Eyes Principal)
● Fine grained access control
● Rapid Product Creation
● Multiple Lending Methodologies
● Custom chart of accounts
● Configurable workflows
● Role-Based Permission
● Searchable Audit Trails
● Own Account Number Generation Policy
● Own Password generationpolicy
● Branch to Branch Account Transfer
● Product to Product Account Transfer
● Data Table Concept to add any column Self
● Role wise Graphical Dashboard to View the BanksProgress
● Any Type of Account opening through Agent and Collections in these Account from Agents
● Dynamic Report Generation
● Any number of Joint Holders attachment in Account
● GL Based Accounting
● Define up to 5 levels of office hierarchy (Branch Office, Regional Office, Sub-Area Office, Area Office, Head Office) to assign offices to appropriate levels. Create System Users, assign users to an office and assign roles & permissions to system users.
● Audit Trail for each and every event
● User passwords in encrypted.
● Password expiration and user disablement
● Unique session identifiers and secured session details storage.
● Data stored, sent over network are in encrypted form.
● User can login only from Registered IP Address
● Bank can run the CBS on SSL
Note: Bank will purchase the SSL certificate from Certification Authority
● Highly compatible with the rural and other areas having limited connectivity because of Dual Connectivity.
● Secure Connectivity with IP-Sec Virtual Private Network.
● Automatic Link switchover system for smooth Connectivity
● Supports real time monitoring of VPN Network System
● Supports Intrusion Prevention System
● Dual layer Security for VPN Network
● Easy to manage and Integrate
● Dual, High bandwidth lease Line on Fiber at Data Center
● Four layer security system at Data Center and DR Site
● Supports Wired and Wireless both media for VPN Link
● Separate servers for separate Banks.
● Deposit Module like Saving Account, Current Account, Term Deposit, Recurring Deposit , Daily Deposit Scheme and Centralized TDS Module
● Loan and Advances like Over Draft, Cash Credit, Term Loan and Demand Loan
● Group Loan
● NPA Management
● Locker Management
● Auto renewal of Term Deposit
● Cheque issued / stop payment
● Transaction History.
● Interest Received / Paid / Provision.
● Supports Wired and Wireless both media for VPN Link
● Printing (Passbook, FD receipt)
● Cash Deposit / Withdrawal, Transfer and Clearing.
● Incoming / Outgoing Remittances and Cheques.
● Bank’s own Transactions.
● Inter-BranchTransactions.
● Inward Clearing : Distributed and Centralized
● Outward Clearing : Distributed and Centralized
● CTS
● Centralized Inventory Management
● Split and Merge functionality
● Inventory movement from one branch to Another branch
● Automatic execution of SI at Configurable frequency
● Products for Personal / Retail / Inter-BranchBanking.
● Configure Different Charges / Interest Rates.
● Create / Manage Users of the system
● Centralized Customer Management
● Risk Category Management
● Aadhaar Card Mapping
● Centralized User Management
● Role Based Permission
● User Transaction Authorization Limit
● Centralized Transfer and Deputation
● Two Factor Authentication using OTP and e-mail.
● Share Certificate issue
● Dividend Calculation
● Dividend Posting
● Share payment
● Share Certificate Printing
● Label (Sticker) Printing
● Fixed Deposit
● Government Security and Bonds
● Call Money
● Share payment
● Share Certificate Printing
● Label (Sticker) Printing
● Fixed Deposit
● Payroll
● Scheme (PMJJY,PMSBY & APY)
● Real Time CKYC Search & Download
● Bulk Upload & Download using SFTP/Manual
RBI & Other Reports
● Daily Call & Notice Money Operation
● Monetary Aggregates
● Form-1, Statement of Compliance with CRR/SLR (XBRLsupported)
● Form-9, Asset and liabilities as on last Friday of Month –Form (XBRLsupported)
● Form II-Statement of unsecured Loan and Advance to Directors / Firm in which they have interest.
● Asset Liability Management (ALM) (Structural Liquidity & Interest Rate sensitivity)
● Statement showing details on Advances against security ofShare/Debenture
● Statement on information in respect of Loan and Advances to the Bank’sdirector.
● UCB investment in the other UCBs / institutions
● Form-IV- Statement of offices in India opened/closed during the quarter.
● SOSS-1/OSS-1 Statement on Assets and liabilities (XBRLsupported).
● SOSS-2/OSS-2 Statement on Earning (XBRLsupported).
● SOSS-3/OSS-3 Statement on Asset Quality (XBRLsupported).
● SOSS-4/OSS-4,5 &6
● Statement on NPA , large exposure,segment wise advances & NDTL / NOF Ratio (XBRL supported).
● OSS-5 Segment sector wise advances (XBRL supported).
● OSS-6 Statement on connected lending (XBRLsupported).
● OSS-7 (CRAR) (XBRLsupported).
● Special Form IX- Asset and liabilities as on 31st March (XBRLsupported).
● OSS-8/ SOSS-5 Statement on Bankprofile
● Loan and Advances to priority Sector / Weaker Section (XBRLsupported).
● Annual NPA Statement
● Balance Sheet items
● Annual Financial Review
● DEAF I &II
● DEAF III
● DEAF IV
● DEAF V
● Deaf Form VIII-Statement of unclaimed in operative accounts not operated for more than ten years (as on December)
● Daily Position of Cash Reserve and Liquid Assets(Annexure-1)
● AML (CTR, 61A & STR) Report, Real Time STR Alert
● Credit Information Report (CIBIL/ Experian/CRIF/Equifax)
● Consolidated GLB, Consolidated Profit & Loss, Revenue Statement, Balance Sheet
● All Daily Reports .
● Form 15G & 15H (as per new Income Tax Dept.Guidelines)
● Positive Payment System