Core Banking Solution: SuperBank

Core 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. Title Core Banking Total Branch

No. Automation
1 Bank Control Centralized Decentralized
2 Customer Service Any Branch At Branch
3 Hardware Server Central Location All locations
4 KYC (Know Your Customer) Centrally possible Difficult
5 MIS Centrally, Instant Requires consolidation
6 Fund position Immediate Delayed
7 Credit Monitoring Centrally Distributed
8 Customer Retention and Possible Difficult
Acquisition
9 Technology Investment Higher Lower
10 Technology Administration Centrally All locations
11 Easy Operations Possible Difficult
12 Survival Possible Difficult
13 Banking Trend Preferred Not preferred
14 Technology Solution through lease Possible Difficult
15 Technology Migration One time Recurring
16 New Business Requirement Easy to adopt Difficult
17 24 X 7 Customer Service Possible Difficult
18 Security Tight Open
19 Utilization of existing machines Partially Replacement /
Upgradation
20 User Friendly Yes No

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Sr. Title Core Banking Total Branch
No. Automation
21 Technology Business Driver Yes No
22 Inter Branch Communication No Cost Recurring
23 Inter Branch Clearing Not required Must
24 Reports Follow-up Not required Required
25 Technology Maintenance Easy Difficult
26 Work Follow Management Easy Difficult
27 RTGS, Electronic Fund Transfer Possible Difficult
28 Cheque Truncation Possible Difficult
29 System Administration Central Location All Locations
30 Fraud Control Possible Difficult
31 Inter Branch Reconciliation Immediate Delay
32 ROI (Return on Investment) Better Normal
33 Staff / Executive Training Easy Difficult
34 Disaster Recovery Easy Difficult
35 Data Back-up Centrally All Locations
36 Uniform Systems Process Possible Difficult
37 Need of an hour Yes No

Functions and Features

Customer Centric Approach

The information captured can be used for all the accounts of the said customers. Detail
customer information is captured and stored while creating customer master e.g.

01. Membership No. (If the customer is a share holder) linking the same to the Membership
database.
02. Constitution of the customer (Public, Private, Government etc.)
03. In case of Minor – details of Birth Date and Guardian information
04. Detail Personal Information like Driving License No., Passport No, PAN No., Present
Address, and Permanent Address etc.
05. In case of Corporate Customers – Date of Incorporation/date of commencement of
business, List of authorized signatories,
06. Customer Identification and Verification – Customer Signature and photograph Scanning
and retrieval facility.
07. Additional customer identification mode such as thumb impression (if supported by
required hardware)
08. Facility to freeze all the accounts of the customer or freeze specific customer.

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09. The system provides facility to view all the product types and summary of all the
accounts to give total picture of selected customer ID.
10. Facility to capture introducer details. Customer ID vis-à-vis account number selection.
Verification of introducer by displaying Signature and Photograph of the introducer by
hot key (if introducer is from the same branch)
11. Identification of High Value customer based on predefined parameters (such as deposit
size, number of deposits, period of association with the bank, loans available or even
income given by the customer to the bank by ways of commission or interest on loans)
12. Help is available whenever we are selecting customer ID (based on Name of the
Customer)
13. Customer Portfolio available at a glance.
14. Customer Balance Sheet and Profit and Loss Account viewed at a glance.
15. Customer Service Station provides all transaction facilities through single option.
16. Group Portfolio (Group of Customers are monitored)
17. E Security through Attendance Record
18. Customer wise Inward Tracking
19. Customer wise Outward Tracking
20. Letter Library for Outward Communication
21. Customer wise Document Scanning
22. Customer wise Document Record and E Audit
23. Parameter Driven Document Types
24. Customer Alerts
25. User wise Task List and remainders

Deposits

01. Product Definition – You can create various Deposit products by setting the parameters in
General Ledger Maintenance. (For Example you can create General Ledger for Savings
Deposits, Current Deposits, Term Deposits, Short Term Deposits, Pigmy Deposits etc.)
02. Demand and Time Deposits settings are parameterized as well as you may have different
levels of General Ledger Heads (e.g. Main Groups / Sub Groups and Sub-Sub Groups)
03. Mode of operation can be set for every account (Single, joint, E or S etc.)
04. Account Numbers are Numeric and generated automatically.
05. Facility to Print the Statement of Account as well as supports Passbook Printing.
06. Customer Statements are available Online and can be generated as and when required.
07. Other Parameters / facilities available in the module are
a. Maintain Status of Account (Active, Freeze, Closed etc.)
b. Minimum Balance to be maintained.
c. Min. / Max. rate of interest

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 d. Cheque book facility – Display all the leaves issued to the account holder and the
status of each cheque.
e. Facility to issue / pass / delete facility for cheques
f. Stop payment facility
08. Facility to calculate projected TDS amount during the year.
09. Accepting details of Form 15 h / Form 60
10. Generates Fall Due register. – List of matured accounts.
11. Accepting nomination details and printing of Nominee register at regular intervals.
12. Accepting lien and printing lien register. 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. (one loan account may have multiple deposits marked for lien)
13. Generates Balance confirmation letter as and when required.
14. Alerts or warns the user and maintains log. The exceptional transaction report can be
generated for
a. Stop Payment
b. Freeze Accounts
c. Closed accounts
d. Balance going below minimum level / going in Debit
e. Due dates of Deposits
f. Etc.
15. Interest calculation methods are user defined (Daily, monthly, quarterly, half yearly,
yearly)
16. Calculator facility or enquiry facility is provided for
a. Fixed Deposit Maturity value
b. Cash Certificates
c. Find Maturity value of Recurring Deposits
d. EMI calculation etc.
17. Facility to estimate cost of deposit – product wise.
18. Facility to withdraw from account using withdrawal slip for Savings Deposit types.
19. Periodically reports can be generated which is called Turn over report which contains –
average balance maintained in the account, Max balance during the period, Min balance
during the period, total interest during the period, number of deposits and number of
withdrawals during the period etc.
20. Flexi deposit scheme where Savings or Current account can be linked to fixed deposit
accounts. Balance can be transferred to fixed deposit by maintaining minimum balance in
the account. At the time of withdrawal if the balance is not in the main account then it will
be taken from the fixed deposits.
21. System maintains different balances – Clear Balance, Unclear Balance, Net balance, Un-
pass Debit, Un-pass credit

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22. For Non-cumulative deposits the system accepts standing instruction for interest amount.
The interest amount can be transferred to the designated account.
23. User can set the parameters for automatic renewals of accounts (In Fixed Deposit
Accounts)
24. Printing of user definable Fixed Deposit Receipts. User can customize the receipts as per
their requirements.
25. Provision to maintain Interest Payable.
26. User can maintain multiple deposit receipts under single account.
27. Provision to round the interest amount in multiple of one rupee.

Loans

1. Facility to create different types of Loan schemes.

a. Cash Credit / Overdrafts
b. Term Loans (EMI /Non EMI loans)
c. Housing Loans
2. Different types of general ledgers can be open (Hierarchy of General Ledgers is like
Main Group, Sub Group and Sub-Sub group).
3. Number of accounts can be opened under general ledgers. The account number is
numeric and is auto generated)
4. Mode of operation is parameterized (Singe, E or S, Joint etc.)
5. The account is linked to Customer ID
6. Various other details are accepted while opening an account
7. Sanctioning authority
8. Sanctioned amount
9. EMI amount
10. Moratorium period
11. First installment start date
12. Rate of Interest
13. Purpose of loan
14. Security details for the loan account
15. Priority Weaker details of the account
16. Health of the account etc.
17. Facility to update multiple disbursements for single account.
18. Periodically statement can be printed or passbook can be issued to the account holder.
19. All types of advances are categories like Standard, Sub-standard, Doubtful, and loss
assets etc.
20. System calculates Drawing Power on the basis of security offered and valuation
thereof

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 21. Periodical interest calculation is parameterized (e.g. Monthly, Quarterly, as and when
required etc.)
22. System supports to capture details of Post Dated Cheques (PDC). (Alerts when then
PDC is to be presented for clearing)
23. Auto deduction of service charges like (cheque book charges, stop payment charges
etc.)
24. Maintains due dates of renewal limits and alerts at the time of voucher entry. (if
renewal date < today’s date)
25. EMI can be calculated automatically depending on the Sanctioned amount, rate of
interest and period of loan. Repayment schedule is generated automatically.
26. Integration with standing instructions for payment of installments periodically.
27. System provides facility to transfer the interest amount to loan account (in case of
Non Cumulative Deposits only)
28. System provides the facility to periodically check the pending interest payments,
reminders can be generated and reports are generated as and when required.

Other Noteworthy Features

Feel Secure

Various security measures are available in the software. As well as there features will restrict
the unauthorized person to get the entry in to the software or to the database.

™ 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

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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, Internet A/c etc
™ Automated Bank Charges and posting
™ Credit / Return Clearing with Automated transaction generation
™ Special Clearing features
o Clearing Maintenance
o Patti Reports
o TXT creation
o Dat File creation
o High value clearing
o MICR clearing
™ TDS Calculation features
o TDS - Actual and Projected
o TDS Posting
o TDS Certificate
o General TDS & Posting
o Parameterized TDS
™ Inward / Outward
o Inward / Outward No. Prefixed
o Inward Allot & Transfer Facility
o Reports
™ e.bank Outlook Express for Bank working
o User-wise Address Book
o User-wise Date Appointment
o Date-wise User-wise Task Management
o Message Sending to other users
o Chatting between Bank employee
o Alerts

Future Enabled
™ Database support for new versions of Oracle
™ Easy Customization
™ Inherent adoption of Windows Communication features

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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, DD, FD
™ Report Writer to create User Defined Reports
™ User Defined Labels / Captions
™ Temporary Upgrading of User Rights
™ Settings for location wise Cash Hours, Weekly Offs, Holidays

House Keeping
In house keeping numbers of things are required to be done. These parameters can be
modified by the Administrator / Manager only. Access is restricted.
™ 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

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MIS Reports

Various special MIS reports are generated from this software. 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 - Period wise
™ NPA - Amount wise

Core Automation Reports

We are using Crystal Report writer for generating reports. This is a tool by which we can
generate / create various reports. By giving little training even the user can create or
customize the reports as per the requirement. Find enclosed the list of few reports generated
from the software.
™ 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

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™ 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

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™ 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 10,000. The limit of 10,000 has been reduced
to Rs.5,000 in this year's budget. So if the bank is interest on Deposits is more than
Rs.5,000.00 then by rule the bank should deduct the Tax amount from the account holder and
should deposit the tax amount to Income Tax department.

™ 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.
™ All the Deposit accounts of one customer are group together to find out total interest paid
/ payable.
™ Various reports are generated through this system, like list of accounts where TDS is
applicable or not applicable.
™ List of accounts exempted from Tax. (e.g. Societies, Government offices etc.)
™ List is generated to know the member's deposits and non-member's deposits along with
the interest paid/payable on deposit.
™ Form 16A in prescribed format.
™ Reports related to Form 26.

N.P.A. Module
™ Parameter settings for the NPA Module.
™ 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

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™ 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, Tilt, Skew Photograph or Signature

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