ITBC Software Solutions

21/1427, Trivandrum.2.Kerala State. India.

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Phone.0091-471-2344435. Mobile. 0091-98460-63506

Fax. 0471-2344435. E-mail. palazhyyy@gmail.com Skype ID
b.radha

ITBC SOFTWARE SOLUTIONS. WE MAKE ALL TYPES OF

SOFTWARES TO MEET YOUR NEEDS AT CHEAPER COST.

BANKING SOFTWARE OUR SPECIALITY. WE ASLO MAKE

ISLAMIC BANKING SOFTWARE. WE NEED AGENTS TO CANVASS
ORDERS ON COMMISSIONS BASIS.
“Solutions beyond frontiers”

ITBC Software Consultancy Services Pvt. Ltd. a part of the ITBC

equipped to provide value added software solutions and specialized
consultancy in areas specific to Financial Sectors and Client Service.
Solutions from ITBC SOFTWARE SOLUTIONS addresses business needs
by applying experience and expertise combined with the latest of
technological additions for producing quality software with an
excellence in service.

ITBC Corporation

“ITBC Corporation” is a corporate identity of a group of companies that

have attempted to solve the classical puzzle of size and agility. It’s a
group of companies where each company retains an extreme vertical
focus to service the client with agility, focus and dedicated expertise,
while as a group it imbibes service and quality standardization, global
reach and financial strength required to service large customers.

Products and Services include Scientific and Business Applications and

also customizing user specific requirements in their interest areas.
Technology competencies include Animation Tools, .NET, VC++, eVC,
ASP, Java, XML, WAP and SAP. Development platforms include Windows
NT, Linux and Windows CE. CASE Tools from Rational are used to
achieve comprehensive quality in the software life cycle.

ITBC Group have executed several Large Projects in Avionics,

Financials, Education ERP, Supply Chain Management, Internet Banking
and Mobile computing. The marketing and service operations of ITBC
are spread across Asia, Middle East and the US.
Open Standard

The core architecture and applications developed as extensions to the

core architecture are reliant only on open standards and proven
technologies like HTML, HTTP, HTTPS, XML, Servlets and Java.

Object Oriented

To model the real world and transform business requirements to a

software application, Object Oriented concepts and technologies are
believed to be the best. The benefits of using Object Oriented
Modeling, Design and Implementation strategies have proved software
development and maintenance very effective in terms of cost and
time. Code reuse, better-centralized controls and inbound security tips
are other added advantages of Object Oriented Methods.

Platform Independent

'Write Once, Run Anywhere' is one of the core objectives of eFin

applications. To make eFin independent of platform it is fully
developed in Java with open standards. Since the application is
browser based, it is immaterial where you work from and which
operating system you use.

Database Independent

Financial institutions prefer to use certain databases in their data

center as part of corporate policy or other reasons like technical or
compatibility issues. eFin applications are developed based on the
popular MVC architecture and it ensures the required level of database
independency.

Service Oriented Architecture

The Object Oriented eFin system architecture defines a set of the base
objects and services at the core level and these objects and services
are used by other modules and applications. Services defined at the
module level are made available to other modules via interface
specifications to avoid module interdependency.

Web Based
Organizations keep trying to expand their presence across
geographical boundaries. More and more Business Process Outsourcing
has created never-ending need for systems support, Global
connectivity and localized work environment. Business personal and
executives also need to keep in touch with their office and organization
on a day-to-day basis when they are away from the office premises.
Internet based and browser based system can only support for all
these needs of an enterprise.

eFin applications are designed and developed to be accessible over

LAN and WAN with proper security. Since the application is browser
based, it is independent of any client operating system. eFin run on
browsers like IE, Firefox and Netscape.

Java and J2EE

To build an Object Oriented Architecture platform independent, vendor

independent no other ways are best as eFin. The innovative technology
is developed using Java and J2EE technologies. The core application
can be installed and run on Windows, Unix or Linux

“Your search for a perfect banking solution ends here. Let the
experts explain….”

The eFin technology advantage from Dimensions Financials will ensure

Banking and Financial Institutions to meet their business challenges
with more vigor and confidence.
The Dimensions Financial products are built on top of the eFin Financial
Core inheriting all the properties and features of the eFin.

Dimensions Financials core banking modules include:

• Deposit Products (SB/CD/Call) Module

• Term Deposit Module
• Locker Module
• Loans (Home Loan, Vehicle Loan, Salary Loan, Commercial Loan)
• Teller Module
• General fund transfer Module
• Financial Reports (Balance sheet, P&L, Statement of Account
The Sharia or the Islamic law derived from the holy book of Quran
forms the guiding principle for Islamic Banking System. This unique
accounting system is an ethical and equitable financial service that
prohibits the collection or payment of interest (riba) and investment in
business that is unlawful or haram. Another distinctive element of
Islamic banking is sharing of profit and loss that makes the customer a
partner to the bank.

Islamic Banking is rapidly expanding in and out the Muslim world in

countries like Malaysia, Bahrain, UAE, Kuwait, Qatar, Saudi Arabia,
South Africa, Switzerland and UK.

Expertise in financial consulting to banks and financial institutions and

the strong support and presence in the middle east, a hub to Islamic
banking made Dimensional financials enter the arena dynamically.

Islamic Banking Dimensions from Dimensions financials provides highly

customizable Sharia based accounting concepts followed by a full-
fledged accounting system. Each of the installations is treated as
priority projects dedicating experts for customizing solutions to deliver
and cater all the expectations of the client.

This banking solution provides for investments in debt based contracts

and equity based contracts.

Banking operations are conducted through the following

accounts:

MUDARABHA is a special kind of partnership where one partner gives

money to another for investing it in a commercial enterprise. The
investment comes from the first partner who is called "rabb-ul-mal",
while the management and work is an exclusive responsibility of the
other, who is called "mudarib".

MURABAHA in its original Islamic connotation is simply a sale. The

only feature distinguishing it from other kinds of sale is that the seller
in murabahah expressly tells the purchaser how much cost he has
incurred and how much profit he is going to charge in addition to the
cost.

ISTISNA’A is “a contract with a manufacturer to make something “or

“a contract on a commodity on liability with the provision of work.”
BEI’SALAM This technique is a method of providing working capital
finance. Essentially Bei’salam is a forward financing transactions where
the buyer pays for goods, such as raw materials, in installments .

MUSHARAKAH means partnership. It involves you placing your capital

with another person and both sharing the risk and reward. The
difference between Musharaka arrangements and normal banking is
that you can set any kind of profit sharing ratio, but losses must be
proportionate to the amount invested.

IJARA is an Islamic lease agreement. Instead of lending money and

earning interest, Ijara allows the bank to earn profits by charging
rentals on the asset leased to the customer. Ijara wa iqtinah extends
the concept of ijara to a hire and purchase agreement.

SUKUK is the Arabic name for a financial certificate but can be seen as
an Islamic equivalent of bond. However, fixed income, interest bearing
bonds are not permissible in Islam, hence Sukuk are securities that
comply with the Islamic law and its investment principles, which
prohibits the charging, or paying of interest. Sukuk is a certificate of
equal value representing undivided shares in ownership of tangible
assets, usufruct and services or (in the ownership of) the assets of
particular projects or investment activity.

Islamic banking also offer Savings Accounts, Deposits Accounts,

Current Accounts, Credit Cards, Auto finance, Home finance etc. in
accordance with the rules of Sharia known as Fiqh al-Mumalat ( Islamic
rules on transaction .

Islamic Banking Dimensions features

• A complete web based solution.

• Configurable banking products.
• Supports multi-currency, multi-language, different time-zone.
• Built-in TPS, history / Audit trials
• Supports multi-stage transactions
• PDF/HTML/ Excel reporting options.
• Re-usable components for creation of multi-layer of accounting
• FREE built-in Core Modules for User Management, Module
Management, Organization Management and • Internal Mail
• Interface to popular emails and SMS systems.
• The fully customizable reporting includes comprehensive Graphical
Layouts.

FRM (Financial Risk Management) is a suite of Risk Management

Solutions from Dimensions Financials. This suite caters to managing of
risks in exposures on using financial instruments. FRM Dimensions is
structured to keep in line with Basel II Accord signed in Switzerland in
2000.

Basel II - the second of the Basel Accords, are recommendations on

banking laws and regulations issued by the Basel Committee on
Banking Supervision.

The main purpose of Basel II when initially published in June 2004, was
to create an international standard that banking regulators could use
when creating regulations on how much capital banks need to put
aside to guard against types of financial and operational risks banks
face.

The latest of which (the Basel II accord) is an international standard

that shows how much capital should banks need to put aside to guard
against credit, market and operational risks it needs to secure.

Financial Risk Management from Dimensions Financials covers 3

types of risks:

CREDIT RISK

MARKET RISK

OPERATIONAL RISK

We provide unique solutions for effective Risk Management within our

software application. Solutions can be customized as per user’s
business applications and implemented at your end. Trained
professional consultants in the areas of finance and banking in areas of
Risk Management and Core Banking Solutions conduct systems study
for implementation of these programs.

Features of our Risk Management Suite:

 • Features inherited from eFin.
• Modular implementations.
• Uses open standards Java/J2EE.
• Interactive Training.
• Database Independent.
• Works with other core banking systems thru web services (SOA)
• Audit trails and reports in PDF, EXCEL or HTML.

According to Basell II, there are three lines of defense represented by

the three pillars for effective Financial Risk Management. Dimensions
Financials provide these solutions through their FRM Software.

The three pillars are:

• Pillar I where Bank assesses and measures minimum capital

requirements based on regulatory guidelines.
• Pillar II that deals with regulatory overview, and
• Pillar III is all about disclosure of risk information.

Elucidating on the above, Dimensions Financials have ready

solutions customized to Basel standards on three types of Risks
that are classified.

Credit Risk

Credit risk management is the process of assessing risks in an

investment. When the risk has been assessed, investment decisions
can be made and the risk vs. return balance considered from a better
position. There exists a three fold approach in calculation and evolving
on the risk percentage.

Standardized Approach

Internal Rating Based Approach and

IRB Foundation & Advances Approach.

The main way to reducing credit risk is by monitoring the behaviors of

clients who wish apply for credit in the business. These clients may be
businesses, individuals or sovereigns. Dimensions Financials provides
the right information on these sources as also calculation
methodologies.

Contact us palazhyyy@gmail.com for a Free Credit Risk Assessment

document.
Market Risk

Market risk is the risk that the value of an investment will decrease due
to fluctuations or the upward and downward moves in market factors.
The five standard market risk factors are:

Equity risk or the risk that stock prices will change.

Interest rate risk , or the risk that interest rates will change.

Currency risk or the risk that foreign exchange rates will change.

Commodity risk , or the risk that commodity prices (e.g. grains,

metals) will change.

Credit risk Credit (finance) , or the risk that credit prices/spreads

will change.

Dimensions Financials provides the right information on these sources

as also calculation methodologies.

Contact us palazhyyy@gmail.com for a Free Market Risk Assessment

document.

Operational Risk

Basel II defines operational risk as the risk of loss resulting from

inadequate or failed internal processes, people and systems, or from
external events. Although the risks apply to any organization in
business, this particular way of framing risk management is of
particular relevance to the banking regime where regulators are
responsible for establishing safeguards to protect against systemic
failure of the banking system and the economy. To calculate the risk
factor a three fold method is adhered. They are:

Basic Indicator Approach

Standardized & Alternative Standardized Approach

Advanced Measurement Approach

Contact us palazhyyy@gmail.com for a Free Operational Risk

Assessment document.
“CRM dimensions the ultimate choice for CRM solutions”

Customer Relationship Management or CRM is a multifaceted process,

mediated by a group of people. It concentrates on a combination of
policies and strategies connecting different roles in the organization.
The efforts in efficient coordination of these efforts lead to an overall
series of experiences, products and services to the customer.

Customer Relationship Management is crucial for the success of any

organization. A good CRM package, when integrated to IVR and
Contact Center can add a lot of value to customer service. Dimensions
CRM provides you with a comprehensive solution for managing CRM
related activities from marketing to service.

CRM also maintains customer information . Secure and safe

information of Customer's can be validated using customer ids and
pins. Automated IVR can answer a lot of customer requests like
balance inquiry, bill payments etc. that would definitely save a lot of
time and cost. On opting for an IVR Solution from Dimensions
Financials you can also handle call-forwarding mechanisms. Queries or
assistance from a customer service representative can be redirected to
a Contact Center. An IVR system coupled with Contact Center and with
necessary CTI is the best suite on offer from DFS.

Efforts of the CRM initiatives succeed when implementations are

appropriate and aligned to a customer-centric strategy.

CRM Dimensions brings to you a well packaged solution in CRM. The

package constitutes Operations, Services and Sales templates for easy
configuration and effective compiling of a most effective solution in a
short time.

CRM Dimensions lays emphasis on the following players within

the organization:

• Customer Facing Operations

• Internal Collaborative Functional Operations

• External Collaboration functions

• Customer Advocates and Experience Designers

• Performance Managers and Marketing Analysts

• Customer and Employee Surveyors and Analysts

Operational Areas

CRM Dimensions can cover the following areas:

Operational CRM

Handling support to "front office" business processes, including sales,

marketing and service.

Sales Force Automation (SFA)

Designed to automate sales-force-related activities, such as lead

tracking

Analytical CRM

Analytical CRM analyzing customer data (generally makes heavy use

of data mining)

Sales Intelligence CRM

Functions as a direct sales tool and analyses factors Customer Drifts,

Sales Performance, Customer Trends and Customer Margins

Campaign Management

Marketing-oriented CRM software that combines elements of

Operational and Analytical CRM (allowing campaigns to be run on an
existing client base).

Collaborative CRM

Collaborative CRM's ultimate goal is to use information collected from

all departments to improve the quality of customer service.

Geographic CRM

This section combines data collected from route of movement and

geographic locations and data collected is used for territorial analysis
incorporating OLAP (On-Line Analytical Processing) for visualization.
Dimensions CRM Possess the following features (grouped
relevantly)

Sales Management

Lead, Contact and Opportunity Management to share information and

pursue new business.
Account Management to manage all customer interactions in a single
location.

Marketing Automation

Lead Management for tracking and cultivating new leads.

Email Marketing for touching prospects and customers with relevant
offers.
Campaign Management for tracking campaigns across multiple
channels.

Service

Case Management

Collaboration & Data integrity

Activity Management for emails, tasks, calls, and meetings

Content Syndication to consolidate third-party information sources.

Customer profile management

All Know your Customer (KYC) Requirements can be record and use for
business enhancement. And ability to provide 360° client view in a
customer dashboard including customer details, summary of accounts,
total assets/liabilities, profitability, risk profiles, interaction log,
collection records, cross sales opportunities, service requests, etc with
the ability to drill down into details.

Provide the ability to identify and authenticate the customer with

advanced search function on fields such as his identification number,
date of birth, his city of residence or postal code, etc for all interactions
which involve sales and service transactions.

Analytics & Reports

Ability to display attributes derived from feeds of the Analytical CRM

(e.g. Market segmentation, profitability, etc)

Display operational analytical information about the customer

(e.g. transaction patterns).

CRM system helps to generate customized reports based on Customer

Profile, MIS, Services, Sales, Marketing, Audit and Customer interaction
history etc.

Dimensions Financials undertake consultancy services in the following

areas

• System Study, Gap Analysis, Design, Development

• Deployment
• Integration
• Maintenance
• Quality Control
• Security
• Disaster Recovery and Business Continuity Planning
• IT Policies and Procedures
• Risk Analysis and Basel II Implementation

For all your requirements may be sent to palazhyyy@gmail.com

Regards
B.Radhakrishnan
Exe:Director.(Operations)
ITBC Software Solutions.