Bankers Realm Islamic Integrated Finance System
Craft Silicon Limited, Proprietary intellectual information.
Bankers Realm : General Characteristics.
Proven and stable Core Micro Finance Product with installations across the globe.
Easy to learn and use with Online Customizable Help at all stages.
Available in different Languages with full scope of customization
Supports Multiple delivery Channels
Easy integration with other systems including Legacy systems.
Individual, Groups and combinations thereof
Customer centric System
Multi Currency, Multi Company.
Anytime, Anywhere, Anyhow Operations.
Strong MIS, EIS including Graphs and Charts.
Integrated To BIO Metrics devices to enhance Security
Ability to new Create Products.
Though Bankers Realm is an off the shelf core Banking Product, it is generally customized to meet the needs
of the customer. Banking industry is very dynamic and it is important for the bank and Craft Silicon to work as
a team in order to address the needs of a demanding customer.
CRAFT SILICON PRODUCTS SUITE
Bankers Realm is a high end internet ready bank automation software, designed for small to large sized banks and
financial institutions. Under the canopy of Windows based servers with open end like MS-SQL Server, and with its inbuilt intelligence, this product can do wonders to your bank and
your customers! It is an e&m ready product with Customer notifications sent either on E-mail or Mobile, are inbuilt in the system. At the same time, this system can act as a base for
other add on delivery channels like internet banking, ATM, Smart Cards, etc.
Banking@Home is a value added product that allows your customers to access their accounts using the latest internet technology.
Your customers can get access to their accounts from your web site. The software is secure and uses 128 bit SSL technology to
keep the data flowing on the internet safe from hackers.
BREFT is a full fledge EFT Switch software that can drive your ATM, POS and other delivery channels. This switch is specifically designed to
cater for Micro Finance related transactions and can allow you to perform online Savings / Loans related transactions using GPRS / GSM /
Dialup networking. System is also capable of BIO verification and can help you to identify your customers prior to transactions.
RealmCE is a compact edition of Bankers Realm. This product interfaces to the main system, and allows you to transact on the hand held computer. An ideal
product to capture socio
Economic transactions including Credit Scoring details. This device can update the main database using either a normal or a GSM connection. The product can
be interfaced with Magnetic
cards or SMART cards too.
bMobile is an add on product that notifies on your customers mobile phone unit with the account balance, currency rates and other vital information. Give your bank an edge over
others with this handy mobile interface. A great combination of internet and mobile technology. System can generate events notifications or could get instant approvals from your
customers for instance transaction above a certain limit .
Trucell This is trully rich mobile banking application , that provides bank and customers access to banking services , right from their mobile phones.
It has easy to use menu for bank employees to process over the counter operations , loan processing , customer account opening , and for the customer ,
provides easy online access to accounts , transfer funds and make bank request.
Bankers Realm CMS (Core Microfinance Solution) is a dedicated software for Micro Finance organizations working with either Group based or Individual based lending
methodologies. It is a web based solutions with thin client platform. Easy to implement and upgrade.
Due to the varied nature of operations in Micro Finance organizations across the globe, this product is highly parameterized. The product is well rated by major Micro Finance funding
agencies and Donor communities across the globe. This product is also ideal for Micro Finance organizations who are planning to convert to a full fledge commercial bank, since it can
be easily upgraded to Bankers Realm.
Kenya, Uganda, Tanzania, Rwanda, Ethiopia, Malawi, Zambia. Nigeria, Ghana, Gambia. Sudan, Madagascar, Burundi,
Ivory Coast, Niger, Cameroon, Swaziland, Namibia, Botswana, Somalia*
India, Mongolia, China*
Micronesia, Papa new Guinea.
Central / Latin America
Our software products are used in more than 30 Countries and four different languages (English, French,
Spanish and Islamic), More than 150 Customers.
Database Microsoft SQL Server 2000.
Oracle 9i / 10g
Database Server Operating Requirements Windows
Middle Tier Windows 2000 / 2003 Server
Client Workstations Windows 2000 Professional / Windows XP
Connectivity options Bankers Realm is a SMART client software
which can operate on low bandwidth lines.
Recommended 64 KBPS connectivity lines
across the branches.
Depending on the actual
requirement Bankers Realm
can operate on Centralized
or decentralized Mode.
Branches post to local
server, which gets replicated
to Central Server.
Ideal for banks where
infrastructure is not available
Branches are autonomous,
however the Head office get
consolidated as and when
lines are available.
available where data is
physically transmitted via
Disks, CD and e-mails.
Infrastructure is reliable, a full
centralized mode can be
Branches post to Head Office
server, which optionally gets
replicated to Branch Server.
Branch Server is an optional
Ideal for banks where
automatically replicates data
to a respective branch server
and a disaster recovery server.
Craft Silicon recommends this
Information dashboard is a solution designed to help users access the information
and experience they need to work smarter. They auto update small sections of your
screen that provide you varied information that matters to you most.
Some examples of Dashboards
• Currency rates
• Excess over limits and Temporary
• Top <x> Large Amount Transactions.
• Cash Flow
• Deposits that are maturing in near
Large Amount Transactions
• Installments due
Account Transaction Amount
• Limits Expiring
001-1112346 KENYA AUTO LIMITED Cash Debit 2,500,000.00 • Insurance Expiring
001-1112070 CRAFT SILICON Debit Clearing 3,232,140.45 • Favorite Accounts
• Accounts Opened / Closed during
Loan Installments Falling Due
Account Outstanding Installment
• Personal Appointments and
001-3727182 DHIMANT SHAH (540,650) 23,550.00
002-1102910 SHABBIR HAKIM (120,045) 4,950.00
002-0102180 Craft Silicon Limited (5,405,880) 210,550
Bankers Realm have a detailed Customer Relationship management Modules. Personal Details,
Address Location including GPS, Business Information, Employment Details, Bank Details,
Relationship Management, Photographs, Signature, Alerts and much more.
System capable to send PUSH / PULL SMS & E-Mails automatically based on various conditions.
embedded in the system.
based on BIO Details.
User Defined Fields Allow
you to manage user
One point information
view and management.
System allows you to
create own customised
fields and screens
Signature / Photographs / BIO Details. System is equipped to connect to Webcam and take
live pictures at the point customer is opening the account.
We capture multiple Finger BIO
Details for security reasons.
BIO Details integrated to
Internet Banking, ATM and POS
to ensure security.
Images, Signature and BIO
Details are stored in database
in compressed format to save
Account Operating and Joint
Signature details available at
every financial transaction.
Banking Industry is very dynamic. For a bank to stay ahead, they have to provide efficient and
customer friendly financial products to their customers. Bankers Realm allows the bank to design
their own products providing complete flexibility on how it operates, charges, Legal Requirements,
PLS, General Ledger interface, provisioning, etc.
Charges and fees
are defined user
defined and can
allow you to get full
control of legal
Documents can be
scanned and stored
with its inbuilt
Bankers Realm allows the Bank to analyze the various product into different sections which
enables the bank to conclude on the performance of each products.
Following sample Bankers Realm
screen provides insight of the
YIELD based on the weighted
Average Interest rate based on the
actual recovery month by month.
Selection of different Graphs and
Charts available in the system. For
example PIE Graph, BAR Graphs,
Product comparison module would
allow Bank to compare various
products in terms of profitability,
geographical coverage, genders
and other different parameters.
Budgeting is a standard module in Bankers Realm. With respect to the Budgeting at product
level, it can be done in terms of amount and clients.
Sample screen allows you to compare the Accounts opened in a specified product in comparison
with Last year, Current Year and the Budgeted value.
Budgets can be captured in terms
of an absolute figures or an
increase / decrease in terms of a
Various reports are available that
highlights variance between Actual
vs Budgeted figures.
Multiple Budgets can be defined.
For example CEO Budget,
OPERATIONS Budget, BRANCH
Deposits : Overview
Savings Deposits : Wadia Al Damania ,Mudaraba and Quard Hasan Savings
Current Deposits : Wadia and Quard Hasan
Fixed Deposits : Mudaraba Deposits and Islamic Time Deposit
Flexible PLS Rates
Average PLS Rates
Fixed PLS Rates
Floating PLS Rates
Block / Freeze
Penalties on premature withdrawals >Applies only to Sadqat A/C
Asset based Advances
Debt origination System includes Murabaha , Ijara ,Ijara Wa Iqtna , Istisna , Parallel Isistna , Salaam ,Parallel salam and
Equity Origination System Include :Mudaraba Finance ,Diminishing Mudaraba, Musharaka Finance , Diminishing Musharaka
Debt/Equity Origination system including :Application process , Purchase contract , Debt/Equity contract and disbursement
PLS Fixed / Floating PLS Rates / LIBOR Rates
Term Debt /Equity/ Revolving Debt / Call / Notice Debt
Partial disbursements / Full disbursement / Appropriation of Installments
Partial Payments / Early pay off
PLS, Collateral, Document Plan
Non-performing Debt /Equity processing
Index rate/Product & A/c variance
Accrual & Capitalization frequency
Penalty & Post-maturity PLS Rates
Reminders to customers on letters, SMS, e-mail
Debt /Equity Classification and Automated Risk classification based on performance
Credit officers and linkage with Debt performance tied to the Appraisals and HR System.
Graphs / Charts / reports
Murabaha - Application
Mudaraba - Purchase
Mudaraba –Fund Pool
Murabaha – Installment Schedule
Maintain Debt Accounts
AAOIFI Standard of Accounting
Log In Screen
Product Maintenance (CASA)
Debt Product Maintenance:
Collaterals : Overview
Can be tied to account or a group of accounts.
Store images of collateral for onsite management.
Location, Ownership, Transfer management of collateral.
Market Value, Net Book Value, Force Sale Value
Margins and allowable value against a credit. Options
System can store images
Automatic Depreciation of collaterals to reflect true exposure. of Collaterals in the
Under exposed and overexposed collaterals. software and linked to a
customer account against
Transfer of security would allow you to track the exact location of the physical his credit facility.
Security Movement can be
Security Documents. tracked.
Security owner can be
Ability to place a CAP on
certain types of Collaterals.
NPA / Write offs : Overview
Bankers Realm have integrated module to track and process Debt accounts during their life.
Accounts can be automatically classified into various user defined categories depending on
Based on the classification of accounts, system can provide provision as per the requirements
of the Central Bank. Below we have shown some conditions that you can set in the System.
Condition System behavior
Account in arrears from 0-30 days Normal Debts
If Account is in arrears from 31-60 days Move to Sub-Standard category.
If Account is in arrears from 61-90 days Move to Watch category.
If Account is in arrears from 91-120 days Move to Doubtful category.
If Account is in arrears from 121+ days Move to Debt category.
Normal category Accounts 1% General Provision
Sub-Standard category accounts 10% Specific provision
Watch category accounts. 20% Specific provision
Doubtful category accounts. 50% Specific provision
Loss category accounts. 100% Specific provision
A very comprehensive General Ledger module which is integrated to the system seamlessly.
General Ledger / Sub-Ledger are designed in a smart way so that there are no discrepancies at any
Chart of account and reporting of
Balance Sheet / PL is no longer
dependent on the coding
structure. User can define
structures as shown here in using
simple DRAG & DROP technology.
Multiple General Ledger Formats
can be defined to suite
requirements of different
individuals. For example Balance
Sheet - CEO, Balance Sheet –
Audit, Balance Sheet – Central
You can also create your own
Ratios in the formats. Example
liquidity Ratio, Asset / Liability
P& L Expenses
Bankers Realm is been used by 100+ Micro Finance organizations globally. Our customers
keep growing, so does their requirements.
System have more than 500
settings that you can select
from in order for it to behave as
per your requirements.
Anytime a new requirements
come, we add new parameters.
Our customers can take a
benefit of wide parameters in
order to take advantage of our
Database Security Log Security Login Security
All important data tables in the The system keeps a log of System equipped with BIO
system are encoded with a every thing that a user does. Metrics Authentication.
checksum of fields. This The usage and event logs are
checksum is derived using a maintained as a part of Conventional Security like
hopping encryption method. database, so the system Password Length, Expiry, No
Thus any data modification administrator has a greater Repeat passwords, etc
done outside the scope of the control when it comes to
system can be detected locating as well as reporting.
automatically. Security officer
can get message of such
fraudulent attempts, and he Visual security where an
can act accordingly. administrator can actually see
on his screen what an user is
doing online real time.
Bankers Realm security settings is very comprehensive. It allows you to control user on Module
by Module. Each modules also allows further rights to VIEW/ADD/EDIT/DELETE. Various
modules that are linked to Amount ( Example – Cash Deposits ) also have amount limits pegged
Create ROLES, which makes it
easy to create users. For example
a role template CASHIER can be
copied easily to users with cashier
Access Level can allow the system
administrator to control a user
with more precision.
A User can have different set of
permissions across different
Security Violence can be notified
to System Administrator via e-mail
Certain study on System Banking Frauds, it is indicated that most of the Frauds of this nature
take place after working hours or on a non working day. In order to enhance the security and
control the cases, we provided where the login hours can be controlled in detail in hour by hour
Precise control hour by hour
each day of week. This gives a
greater control of system
System sends alerts to users
when their time is getting close
•A very comprehensive Standing Instructions module.
•Integrated HR / Payroll / Fixed Assets / AR / AP module. This is inline with our vision to make Bankers Realm a truly
enterprise core banking system.
•SMS / e-mail technology integrated to core system at all levels. This helps the Bank to send automated communications
to customers like “Loan Installment falling due”, etc
•A very unique and helpful option for System Administrator to get details like “System Status”, “Performance Monitor”,
etc on their mobile phones, even when they are not physically around the System. For example System Administrator can
send a request SMS to Bankers Realm and get the status of the system on his mobile phone.
•Integrated Letter module allows Bank to define specific letters that are used to make official communications to the
customers. Example send letters ( or emails ) to customers then they miss their installments.
•Automatic Backup, Archiving and management of database.
•Automatic cross check to ensure integrity of the system.
•WHAT IF options allows you to simulate real life scenarios to derive best financial results.
•Graphs, Charts and visual reporting allows you to better analyze the information.
•Highly parameterized to ensure flexibility.
•Automatic report spooling and scheduler server to get a better control on your reporting requirements.
•And Finally very easy to use !
More details of the product available at
h ttp ://www.craf tsilic on.c om
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