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					                                                                   http://www.craf tsilicon.com
        Product Overview
        Bankers Realm Islamic Integrated Finance System
Craft Silicon


    Craft Silicon Limited, Proprietary intellectual information.
                                      Bankers Realm
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.
Highly Scalable.
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.
                    Installation Footprints
   Africa
    Kenya, Uganda, Tanzania, Rwanda, Ethiopia, Malawi, Zambia. Nigeria, Ghana, Gambia. Sudan, Madagascar, Burundi,
    Ivory Coast, Niger, Cameroon, Swaziland, Namibia, Botswana, Somalia*

   Eastern Europe
     Bulgaria, Armenia*

   Asia
     India, Mongolia, China*


   Pacific
     Micronesia, Papa new Guinea.


   Central / Latin America
     Mexico, Argentina

    *Upcoming Clients

Our software products are used in more than 30 Countries and four different languages (English, French,
    Spanish and Islamic), More than 150 Customers.
                  Operating Requirements
Component                                Requirements
Database                                 Microsoft SQL Server 2000.
                                         Oracle 9i / 10g
Database Server Operating Requirements   Windows
                                         Linux
                                         Unix
                                         Sun Solaris
Middle Tier                              Windows 2000 / 2003 Server
Client Workstations                      Windows 2000 Professional / Windows XP
                                         / Vista.
Connectivity options                     Bankers Realm is a SMART client software
                                         which can operate on low bandwidth lines.
                                         Recommended 64 KBPS connectivity lines
                                         across the branches.
Decentralized Mode
                 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
                 communication
                 infrastructure is not available
                 or un-reliable.

                 Branches are autonomous,
                 however the Head office get
                 consolidated as and when
                 lines are available.

                 Offline consolidation
                 available where data is
                 physically transmitted via
                 Disks, CD and e-mails.
Centralized Mode
                   If communication
                   Infrastructure is reliable, a full
                   centralized mode can be
                   implemented.

                   Branches post to Head Office
                   server, which optionally gets
                   replicated to Branch Server.

                   Branch Server is an optional
                   component.

                   Ideal for banks where
                   communication infrastructure
                   is reliable.

                   Centralized Server
                   automatically replicates data
                   to a respective branch server
                   and a disaster recovery server.

                   Craft Silicon recommends this
                   mode.
Core System
                    Information Dashboard
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
                                                                     overdraft accounts.
                                                                     • Top <x> Large Amount Transactions.
                                                                     • Cash Flow
                                                                     • Deposits that are maturing in near
                                                                     future
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
                                                                     the day.
Account                               Outstanding      Installment
                                                                     • Personal Appointments and
                                          Amount
                                                                     Reminders
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
                   Customer Relationship
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.
                                                                            Options
                                                                            General
                                                                            De-Duplication Rules
                                                                            embedded in the system.

                                                                            De-duplication warnings
                                                                            based on BIO Details.

                                                                            User Defined Fields Allow
                                                                            you to manage user
                                                                            defined information.

                                                                            One point information
                                                                            view and management.

                                                                            System allows you to
                                                                            create own customised
                                                                            fields and screens
                                                                            without any
                                                                            programming.
                  Customer Relationship
Signature / Photographs / BIO Details. System is equipped to connect to Webcam and take
live pictures at the point customer is opening the account.


                                                                  Options

                                                                  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
                                                                  disk usage.

                                                                  Account Operating and Joint
                                                                  Signature details available at
                                                                  every financial transaction.
                     Product Definition
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.

                                                                                     Options
                                                                                      Charges and fees
                                                                                     are defined user
                                                                                     defined and can
                                                                                     automatically
                                                                                     recover from
                                                                                     customers.

                                                                                     Product Documents
                                                                                     allow you to get full
                                                                                     control of legal
                                                                                     frame work.

                                                                                     Documents can be
                                                                                     scanned and stored
                                                                                     with its inbuilt
                                                                                     imaging solutions.
                       Product Analysis
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.

                                                                     Options

                                                                     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,
                                                                     LINE Graphs.

                                                                     Product comparison module would
                                                                     allow Bank to compare various
                                                                     products in terms of profitability,
                                                                     geographical coverage, genders
                                                                     and other different parameters.
                   Product Budgeting
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.

                                                                   Options

                                                                   Budgets can be captured in terms
                                                                   of an absolute figures or an
                                                                   increase / decrease in terms of a
                                                                   percent values.

                                                                   Various reports are available that
                                                                   highlights variance between Actual
                                                                   vs Budgeted figures.

                                                                   Multiple Budgets can be defined.
                                                                   For example CEO Budget,
                                                                   OPERATIONS Budget, BRANCH
                                                                   Budget
                            Deposits : Overview
Categories
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
Other
Automatic provisions
Maturity Options
Block / Freeze
Lien Deposits
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
Qard Hasan.
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
Mudarabah -Contract
Murabaha – Installment Schedule
Maintain Debt Accounts
AAOIFI Standard of Accounting
Arbisation
Arbisation
 Log In Screen
Menu Page/Dashboard
Client Maintenance
Account Maintenance
Product Maintenance (CASA)
Debt Product Maintenance:
Murabaha Application
Murabaha Contract
Murabaha Accounts
Collaterals : Overview
Categories
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.
                                                                                   Security Movement can be
Security Documents.                                                                tracked.

                                                                                   Security owner can be
                                                                                   maintained.

                                                                                   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
     their transactions.
    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.

Category                                         Provisions


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
General Ledger
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
time.
                                                                         Opinions

                                                                         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
                                                                         Bank

                                                                         You can also create your own
                                                                         Ratios in the formats. Example
                                                                         liquidity Ratio, Asset / Liability
                                                                         Ratio, etc.
Liability
P& L Expenses
Income/Expenditure PLS
                      Parameters
Bankers Realm is been used by 100+ Micro Finance organizations globally. Our customers
keep growing, so does their requirements.


                                                                  Options

                                                                  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
                                                                  knowledge base.
                  System Security
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.
                   System Security
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
to it.

                                                                     Options
                                                                      Create ROLES, which makes it
                                                                     easy to create users. For example
                                                                     a role template CASHIER can be
                                                                     copied easily to users with cashier
                                                                     levels.

                                                                     Access Level can allow the system
                                                                     administrator to control a user
                                                                     with more precision.

                                                                     A User can have different set of
                                                                     permissions across different
                                                                     branches.

                                                                     Security Violence can be notified
                                                                     to System Administrator via e-mail
                                                                     or SMS.
                   System Security
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
slots.

                                                                       Options

                                                                       Precise control hour by hour
                                                                       each day of week. This gives a
                                                                       greater control of system
                                                                       security,

                                                                       System sends alerts to users
                                                                       when their time is getting close
                                                                       to end.
                        Other Options
Core System
•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


  Craft Silicon

Comments and Suggestions should be send to info@craftsilicon.com

				
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