BM

L An
Is
tis oth

ICBS
ha er
ICBS, AN OPEN SYSTEM ra
tp
ro
du
ICBS has built in interfaces with: ct
- SWIFT terminals
- ATM and POS solutions
- MICR checks handler
- Phone banking (IVR)
- Signature verification solutions

OTHER BML Istisharat

PRODUCTS

- CIRIS : General Business Insurance Companies

- LIRIS : Life Insurance Companies
- IMAD : Manufacturing and Distribution Firms

CONTACT POINTS

INFOEL SA
102, Avenue des Champs Elysées
75008 PARIS (France)
ICBS
Contact : M. Jean Claude Yaziji Integrated Computerized
Tel : 33-1-42895828 Banking System
Fax : 33-1-42895829 by
E-Mail : infoelsa@compuserve.com
Istisharat SAL
BML Istisharat SAL
Riad El Solh Street - A.Razzak Building
P.O.Box 11-5191 BEIRUT(Lebanon)
Contact : Ms. Chantal Gitzner
Tel/Fax : 961-1-983208
KREYATIVA
E-Mail : ist@istisharat.com

THE COMPANY GENERAL FEATURES BRANCH MODULE

BML Istisharat was founded in 1972. Its main activity
is to develop and support application software geared
towards Banks, Insurances, Manufacturing and
Distribution firms.
BML Istisharat products have penetrated ”Fortune 500”
companies and are up and running in the United States,
Western Europe, the Middle East and Africa.
ICBS
The Integrated Computerized Banking System (ICBS)
is a modular banking system covering Branch,
International and Back Office activities of a Bank. It
includes Retail, Wholesale, Corporate, Trade Finance
and other functions.
First version was developed in 1978 upon the request
of two North American banks. It has been continuously
updated since then to meet new market requirements
and technological changes.
ICBS is now available in two versions:
- Oracle / Windows
- IBM AS/400 (native)
ICBS runs in more than 50 banks in Europe and the
Middle East.
This module handles both the front office and the back
Secure, Flexible, Parametrized, Multilingual, Multibranch, office functions of a branch. It supports the retail
Integrated, GUI interface, Client /Server architecture, Real operation of a bank:
on line support for branches, Y2K compliant, Euro compliant. - User defined branch transactions.
Modules can be installed on a stand alone mode. - Current accounts, overdraft accounts, saving accounts,
term deposits.
- Checks : complete clearing cycle (remitted, received,
CORE MODULE returned) Checks for collection, Stopped
checks, Checks books workflow, Draft
The core Module is the central engine of ICBS. It includes: checks workflow.
- Standing instructions.
- System Tables & Parameters - Commercial Bills and Promissory Notes: discounted,
- User defined dynamic GUI menus for collection, in guarantee.
- User defined profiles & Group profiles - Loans : Personal, Consumer, Commercial.
- Complete customer database - Utilities bills payment : Water, Phone, Electricity.
- Accounting entries generator - Third party payrolls payment.
- Advice and Customer notes generator
- Transaction rules generator INTERNATIONAL MODULE
CENTRAL MODULE This module accommodates the wholesale and
corporate functions of a bank :
The Central Module includes: - Foreign Exchange and Money Market : Spot, Forward,
Credit Facilities Swaps, Futures and Options, Correspondent Placements
- Credits application/collateral management. and Deposits, Corporate Loans.
- Credit lines management. - Transfers : Outward, Inward, Interbank.
- Letters of Credit : Import, Export(issuance, notification,
Interest Calculation amendment, cancellation).
- Multi - methods : Daily balance or transaction based. Different types: Revolving, Back to Back, Red Clause.
- Flexible periodicity. Automatic generations of shipping L/Gs.
Follow up of documents, utilization, settlements.
-Bills for collection : Import, Export.
Correspondents accounts management. Documentary and clean checks.
- Letters of guarantee : Local and Foreign.
Regulatory reporting Public and Private sector.
- Report generator with interface to spreadsheets. Different types.
-Treasury Bills : Bank’s and customers portfolio.
Reconciliation, Consolidation, Revaluation. Sell, Buy, Swap, Repurchase
operations.
Statistics & MIS - Shares and financial instruments : Buy , Sell.
- Large set of standard reports ( Risk, P&L, Custody : dividends follow up.
Exceptions, Profitability). - Foreign checks remittances.