The AB I system provides a complete front, middle and back office processing solution for the entire range of retail/commercial branch operations. It is a standalone as well an integrated banking system.

• UCR: universal customer relationship number
  
• Over 90% of Processing is parameter driven
  
• Product Concept: All account processing is based on the product configuration.
  
• Dynamic Menus : Content and access levels are parameter driven
  
• One windows teller operation includes
  
  • Signature display
    
  • Printing of cash receipts
    
  • Handling of Currency denomination
    
• Supervision and Authorization concept.
  
• In-ward/outward clearing module
  
• Customize End of Day Procedure
  
• Customize Error Messages
  
• Handling of Back Value transaction and interest Rates
  
• Revaluation
  
• Facility of Auto Disaster Recovery
  
• Standing Instruction Module
  
• Remittance Module
  
• Parameter based Zakat processing.
  
• Parameter based Tax processing
  
• Parameter based Incidental Charges
  
• Reconciliation Module with Inter Branch and Centralized options
  
• UCR based Web Banking
  
• Phone banking module
  
• Profit/Mark-up calculation in accordance with Islamic Law
  
• Multiple Securities against a Limit
  
• Profit/Mark-up calculation based on daily, average and minimum balance with simple, step and tier rate application on any product
  
• Blocking and de-blocking of accounts
  

This is an N-Tier multi interfaced Global Banking System which caters the requirements of any commercial bank providing Online / Real Time Synchronized Banking business Automation. It is dynamic, reliable, scalable and efficient enough to adapt to new practices and procedures through 100% customisable parameter setup. This system is designed with a view to provide thin client environment with optimum performance and Advanced Security Mechanism across the networks.

• Retail Banking covers core banking operations comprising of Deposits, Remittances, transactions & all other general banking activities
  
• Corporate Banking focuses on commercial sector activities including Treasury, Foreign Trade and commercial lending etc.
  
• Delivery Channels provide customers with interactive modes to manipulate financial & non-financial activities like ATM, Web & WAP links
  
• EIS - Enterprise Information System is a complete central and statutory reporting tool for MIS and DSS related information
  
• Risk Management is a complete centralized commercial & consumer lending and monitoring system
  
• Controls and Security defines user level privileges comprising of roles and activities that a user can perform with the application
  

This is a centralized credit management system incorporating both corporate and consumer lending. Developed on n-Tier architecture this is a comprehensive fully parameterised system allowing for the catering of constantly changing requirements.

• Credit Application / Business Proposal - Complete information is captured in credit application for the preparing business proposal and processing.
  
• Facility Types - Credit Facilities which are being offered by the financial institution to consumers or commercial customers
  
• Customer Assessment / Credit Scoring & other information – User definable Customer Assessment and other information matrix, which is being used for assessment, informative and tractability
  
• Collateral Management – Collateral management for all types of securities charged against a particular loan.
  
• CIB / Borrower’s Details - Credit related information in the parameterized setup allows for the configuration of formats provided by controlling authorities in order to capture the data of default borrowers
  
• Online Approval using Credit Committee Definition - Incorporates Online Loan application approval through user defined committee setup, and the route to be followed by an application to be authorized by defined committee members
  
• Disbursement – Loan disbursement is also based on parameters for criteria including Full disbursement, Partial Disbursement, Staged Disbursement etc.
  
• Repayment Handling – Parameter based repayment criteria for different tenor, calculation types, i.e. Effective, Flat etc., and rental modes like Advance and Arrear
  
• Rescheduling / Restructuring - Loan restructuring or rescheduling after the payment of few rentals/installments including Step-up, Step-down and tenor based.
  
• Risk Management - MIS to monitor the ongoing Credit Risk on geographical and industrial sector basis.
  
• Loan Loss Provisioning - Parameters to define different classifications of loans; criteria to control the behavior of loan and different alerts and notifications.
  
• Product Setup & General Ledger Module - Mapping of Limit/Facility types with banking products in order to create the reflection of loan figures and Balance Sheet.
  
• Controls and Security - User level privileges comprises of roles and activities that a user can perform with the application
  

• Allocation allows users to allocate an available locker to the customer
• The attendance feature allows users to log customer activity.
  
• Logging of renewal date and details including operating notes etc.
  
• The surrender function enables users to mark the surrender of lockers through logging of key handing-over and taking-over details.
  
• Transaction Logging enables complete logging of transactions passed to the banking system like renewal charges, penalties etc.
  
• General Controls include logging of damaged lockers, locker repair, periodic renewal charges, annual fees & security deposits etc.