Co Bank Plus Features

7/28/2019 Co Bank Plus Features

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Software

forCo-operative Banks

Features List

Brought to you by

CCS Technologies (P) Ltd.

[email protected]


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CoBank-Plus : Software for Co -operative Banks

CCS Technologies (P) Ltd. Page 2 of 30. 21-Jan-05

ABOUT US

CCS Technologies (P) Ltd. is one of the first Software Houses in South India withover two decades of hardcore expertise in areas ranging from SAPImplementation, System Consultancy, Banking Solutions, Media Solutions andData Processing.

CCS Technologies provides software solutions for small and large organizations.Media giants like Malayala Manorama group of companies outsource theircomplete IT requirements to us.

CCS Technologies has excellent infrastructure with more than 100 highly skilledsoftware professionals and a wide support network.

Co Bank Plus

Cobank Plus is a banking software solution developed by CCS TECHNOLOGIESwhich enables complete computerization of co-operative banking operations. Itwas developed from ground up with close interaction with experts in bankingdomain and has took nearly 7000 plus man-days for development. It not onlybenefits from the technical expertise of the company and banking domainexpertise of the consultants but also from the problems faced by the consultantsand end users during computerization of co-operative banks. The system cangrow with ever increasing demand of the user. The modular structure makes the

future expansion easier.


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Contents

1. Package Summary 5

2. Module Listing 7

3. Module wise features

3.1 Membership

3.1.1 Membership Ledger 9

3.1.2 Liability Scrutiny 10

3.2 Deposit

3.2.1 Ordinary 11

3.2.2 Term 12

3.2.3 Notice 13

3.2.4 Recurring 14

3.3 Loan

3.3.1 Emergency Loan 15

3.3.2 Gold Loan 16

3.3.3 Termed Loan 17

3.3.4 Loan on Deposit 18

3.4 Overdraft 19

3.5 Chitty 21

3.6 Locker 22

3.7 Verification

3.7.1 Passing Official 23

3.7.2 Cashier 24

3.7.3 Denomination 25

3.8 Accounts

3.8.1 MIS - Line Diagram 26

3.8.2 MIS - Pie Diagram 27

3.8.3 RBI Reports Form IX 28

3.8.4 Balance Sheet Template 29

4. Hardware Requirements 30


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Package Summary


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Package Summary

Core Banking

Any Branch Banking

Interface to Bio-Metrics & ATM

Fully automated paperless banking solution.

Guarantees calculator free operations.

19 banking modules (Membership, loan, Deposit, Over draft, Chitty/GD,Portfolio etc) and 2 plug in (Payroll, Fixed Assets) modules.

350 plus tables, 300 plus user interfaces and 10000 plus functions.

Over lakhs of features and two thousand reports.

Ledgers and Registers of all modules are identical to Bankbooks.

Web style Interface for easy navigation.

Uniform screen layouts.

Built In security module with client definable user types and accesscontrol up to individual fields.

MIS Statements, Graphical Reports, Statistical and RBI Statements foreffective monitoring and decision-making.

Multiple Branch operations.

Any mode (CD, Tape, dial up..) of data transfer for distributed database.

Dynamic Balance Sheet at any time (Automatic calculation of BalanceSheet parameters including Payables and Receivables) and provision forTentative Balance sheet.

Fully supports Single Window banking.

Member and Deposit search based on more than 300 combinations.

Automated Cheque Book Stock register to Cheque Leaf Issue Register.

Look Up provided for key fields in all modules for easier informationretrieval.

Transfer From/To ordinary deposit and overdraft accounts allowed intransaction user interfaces of all modules.

Installment date shifting based on holiday definition.

A product that allows staff to concentrate on customer relations insteadof banking functionality.


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Module List ing


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2 Module Listing

1. Bank and Branches

2. Director Board and Committee

3. Employee

4. Membership and Dividend

5. Deposits (Ordinary, Term, Recurring, Notice)

6. Loan (Emergency, Term Loan, Gold Loan, Deposit Loan)

7. Chitty/GD/MBF

8. Locker

9. Over Draft/Cash Credit (Member/Staff)

10. Mutual Arrangement Scheme of Kerala (Demand Draft / MailTransfer / MICR)

11. Bill Collection

12. Cash/Bank Books.

13. Due By / Due To Personal & Acs

14. Miscellaneous (Holiday, Auditorium & Defaults)

15. Portfolio

16. Other Bank Investment (Ordinary, Term, Notice, Share, Bond)

17. Verification (Passing Official, Cashier, Reminder, Scrolls,Daybook, Denomination)

18. Accounts (Position, MIS & RBI Statements)

19. Security

20. Payroll

21. Fixed Assets

22. Note:-Ledger Interface and Liability Scrutiny of Membership module, Ledger Interfacesof Deposit, Loan, Overdraft, Chitty and Locker Modules, Verification interfaces ofPassing Official and Cashier, Denomination, Graphical Statements, Form IX of

RBI reports and Balance Sheet Template are shown as samples. For details ofother user interfaces of modules please contact us.


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Module wise features


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3.1.1 Membership

Member related transactions can be carried out from a single user interface(screen).

Members Photo and Signature can be stored within the database (system).

Member Liability statement as on a date.

Dividend calculation based on dividend percentage declared.

Dividend Registers for a financial year, Paid during a period/date, Payable during aperiod/date.


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3.1.2 Membership Liability Scrutiny

Liability as on a date for specified member number.

Provision to choose between Direct and Indirect Liability or both can becalculated simultaneously.

Flexibility in modules to be considered for liability calculation.

Provision for taking printouts of member liability.

Available from all ledger screens.


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3.2.1 Deposit Ordinary

For a given deposit type, different interest rates can be set for differentcustomer types for a period.

Details of Bills pending for the account can be retrieved directly. Automatic Transfer of Inoperative/Unclaimed/ Interest Application/Folio Charge

deduction etc. Cheque validation during payment transaction. (Cheque Number, Cheque Date,

Account Limit)


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3.2.2 Deposit Term

Provision to capture rates for Loan on deposit.

Interest calculation takes holidays also into account if maturity date falls on aholiday. (depends on the attributes set during deposit definition).

Simple or Compound Interest Calculation.

Automatic lien adjustment during account closing. Matured Deposit Transfer wizard for automatic closure of matured accounts of

the selected deposit type and opening of respective Matured Deposit accounts. Cash Transaction limit verification during payment.

Renewal of accounts allowed based on deposit type attributes and renewalhistory is maintained.


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3.2.3 Deposit Notice

User definable deposit types and its attributes.



Automatic account number generation.

Joint account operation with up to four depositors.

Provision to capture Operator/Nominee/Guardian details.

Interest calculation takes holidays also into account if maturity date falls on aholiday. (depends on the attributes set during deposit definition).

Automatic lien adjustment during account closing. Cash Transaction limit verification during payment. User updateable Deposit Notice date.


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3.2.4 Deposit Recurring

User definable deposit types and its attributes.



Automatic account number generation.

Joint account operation with up to four depositors.

Provision to capture Operator/Nominee/Guardian details.

Provision to freeze accounts. Automatic lien adjustment during account closing. Cash Transaction limit verification during payment. Automated Pending installment and fine calculation. Quarterly Compounding Interest Calculation. Provision for Extension of due date of a matured account if any installments are

pending.


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3.3.1 Loan Emergency Loan

Can define various types of loans and its attributes.

Interest revisions for each type of loan that can be applied only to new loans orall existing loans.

Application processing.

Eligible amount calculation (based on shares held, salary, liability & arrears)

User definable asset grading & NPA report.

Interest amount calculation from the given date and reverse calculation ofinterest-applied date from the given received amount. The interest calculation

take cares all the interest revisions.

Transaction history will be shown in tabular format on ledger entry screen.

Net liability/arrears of the loanee and the liability report is available in the ledgeras well as application.

Notice generation.

Various types of arrear/ balance statements.


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3.3.2 Loan Gold Loan


Interest revisions for each type of loan that can be applied only to new loans orall existing loans.


Eligible amount calculation (based on weight and market value of gold).

User definable Asset grading & NPA Report.

Interest amount calculation from the given date and reverse calculation of

interest-applied date from given amount. Transaction history on the ledger entry screen in tabular format.

Net liability of the loanee.

Report of comparison of market value of the gold with net receivable amount.

Gold stock register



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Loan Termed Loan


Loan sureties can be member, property, vehicle or a combination of these.

Interest revisions for each type of loan that can be applied only to new loans orall existing loans. The interest calculation take cares all the interest revisions

Application processing, Committee recommendation report.

Recommended amount & installments calculation based on user definableparameters. ie, Shares held, salary, liability, arrears, retirement period, propertyvalue, share held by surety, salary of the surety, retirement period of the suretyetc.

Various types of arrear/ balance statements & Notice generation.

User definable asset grading & NPA Report.

Interest amount calculation from the given date and reverse calculation ofinterest-applied date from the given amount.

Transaction history on the ledger entry screen in tabular format.

Supports EMI installment calculation, re-fixing installment based on interestrevisions and multi-part payments.

Rebate calculation, Net liability of the loanee and sureties..


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3.3.4 Loan - Loan on Deposit



Recommended amount calculation (based on deposit amount balance and otherliabilities of the deposit).

User definable asset grading & NPA Report.

Interest amount calculation from the given date and reverse calculation ofinterest-applied date from the given amount.

Transaction history on the ledger entry screen.

Net liability of the loanee.

Lien statement.

Auto-updation of lien details at the time of disbursement, receipt and closing.



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3.4 Overdraft

User definable Overdraft Type and its attributes.

For a given overdraft type different rates can be set for different limits and theserates can be revised. New limits can also be defined for the overdraft type.

Overdraft types can be defined against surety of Member, Vehicle, Property,Gold and Deposit. The criterias to be considered for Limit determination can begiven individually for each surety type.

NPA grades can be defined for each Overdraft Type.

Overdraft Application Processing.

Overdraft applicant details fetched directly from membership module based onthe given member number.

Member Liability statement As on a date.

For OD against Member or Deposit surety details will be fetched directly from therespective modules.

Recommended Limit calculation based on surety and generation of report forsubmission to committee.


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All Overdraft related transactions can be carried out from a single user interface(screen).

OD Interest calculation based on daily minimum balance.

Interest amount and Interest up to date will be calculated based on Transaction

date or on the amount involved in the transaction.

Cheque validation during payment transaction. (Cheque Number, Cheque Date,Account Limit)

Provision for renewal OD account based on overdraft type attributes andrenewal history is maintained.

OD account limit can be revised. Interest dues will be calculated based on thelimit applicable for the period concerned.

Provision for declaring an account as NPA.

Details of Bills pending for the account can be retrieved directly.

Overdraft transactions shown in a tabular format with the last three transactionsimmediately visible.

Provision for entering other charges.

Account holder addresses can be updated from Overdraft module itself, whichwill be reflected in membership module also.

Interest Application Wizard for calculating and applying interest for all accounts ofthe selected overdraft type for the specified period.

Provision for issuing Stop Memo against an account or Stop Payment against acheque.

Provision to Return/ Refer cheque leaves.

Overdraft Registers (Opened, Closed, Freezed, Expired).

Overdraft Annual Statement, Summarized or Detailed or Rangewise Overdraft AsOn statement.

Cheque Stop memo, Returned and Returned Listing.

OD Account Balance Confirmation certificate.


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3.5 Chitty/GD/MBF

Can define various Chitties/GDs.

Chitty/ GD suspense collection facility, Automatic transfer of chitty/GDsuspense to premium a/c at the time of registration and Automatic creationof foremans installment receipt auction transfer.

Transaction history will be displayed in tabular format on ledger screen.

Future liability of the chittal will be displayed on the screen.

Chittal addresses can be updated from the module itself, which will bereflected in membership module also.

Fully automated calculation of premium, veetha palisa, ready commission,interest, foremans commission and bid amount.

All Chitty/GD related transactions can be carried out from a single userinterface.

Various reports like Chitty daybook, chitty subsidiary ledger, chitty cashbook, chitty extract, chitty arrear details, Kurry table, chittal lists, non-defaulted chittals, Chitty balance sheet etc.

Provision to enter chitty related miscellaneous expense and income.

Facility to enter chitty related sureties( members, deposits & others) whichwill be considered in the liability and lien calculation.


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3.6 Locker

User definable lockers.

User definable locker types based on cell dimensions of the defined locker,Locker rent definition based on Locker types and Facility for Locker Rentrevision.

Provision for mapping key numbers to locker cells, defining Bank Locker cell in agiven locker.

Locker Application processing with Graphical representation of locker cellavailability.

Storage of standing instruction for locker rent collection.

Locker rent notice generation.

Automated calculation of Locker dues.

Graphical representation of locker and locker cell status (Arrear, Joint, Disabled,Vacant, Occupied)

Rent revisions in the period concerned are also taken into account for Rentcalculation.

Locker Transaction Log is maintained.


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3.7.1 Verification - Passing Official

Passing official user interface in which details can be seen on a Daily basis.

Cash and Transfer transactions available in separate tabs for easier verification.

Provision for viewing Passed and Not Passed Transactions separately ortogether.

Transactions can be viewed in summarized or detailed formats.

Receipt and Payment transactions can be viewed separately or simultaneously.

Passed / Unpassed Status of associated transactions will be set automaticallywhen user changes status of any one transaction.


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3.7.2 Verification - Passing Cashier

Cashier Verification user interface in which details can be seen on a Dailybasis.

Receipt and Payment transactions available in separate tabs for easierverification.

Provision for viewing Passed and Not Passed Transactions separately ortogether.

Passed / Un passed Status of associated transactions will be setautomatically when user changes status of any one transaction.

Provision for Batch Processing of multiple vouchers to determine net payableor receivable.

Cash Book


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3.7.3 Verification - Cashier Denomination

Cashier denomination in which user only has to input Cash Taken to Counterand Counter Closing Balance.

Cashier scroll net balances shown for easier balance determination andverification.


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3.8.1 Accounts MIS-Line diagram

User definable templates.

User definable items of comparison.

Infinite combination of items to perform comparison.

Consolidated bank (Head Office) as well as Branch wise performance over aperiod.

Enables efficient monitoring and decision making by board of directors.


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3.8.2 Accounts MISPie diagram

Enables efficient monitoring and timely decision making by board of directors.

Consolidated bank (Head Office) as well as Branch wise position as on thedate.


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3.8.3 Accounts RBI Report Form IX

Template based RBI statements.

User definable head details

Provision for retrieving previous RBI filings.


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3.8.4 Accounts Balance Sheet Template

Dynamic anytime RBI & Departmental balance Sheet with reserves, payables& receivables.

Dynamic anytime Balance Sheet from user defined templates.

Provision for retrieving previous Balance Sheets/template.


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4. Hardware Requirements

Hardware

P IV 2GHz or aboveIntel 845 Chipset or above512 MB DDR Ram or above20GB Hdd 7200 RPM or above

Ultra SCSI HDD

Os: Win 2K or above

Server

Software

Db: Sybase ASA Server 7 Server

Hardware

P IV 1.8GHz or aboveIntel 845 Chipset or above256 MB DDR Ram or above

20GB Hdd 5200 RPM or above

Os: Win 9x or aboveClient

Software

Db: Sybase ASA Server 7 Client

DataBackup

Internal/External CD Writer / Tape Drive

Statement: 132 Col Printer with requiredpin & cpsPrinter

(Optional) Preprinted: 80 Col Printer with required pin& cps

Scanner(Optional) Required resolutionCamera(Optional) Digital/Web - Required resolution

Peripherals

Modem

(Optional) 56Kbps (If consolidation via dial up is

required)Generator(Optional) 500VA per machine (approx.)

Backup Power

UPS 400VA per machine (approx.)

Documents

Co Bank Plus Features