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| Bantotal Core | ||
Bantotal Core - Kernel
Bantotal Core - Functional Systems
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| Bantotal Microfinance | ||||||||||
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General Description System that enables the processing of individual and group microloans, through a loan granting flow created by a graphic tool (GXPM, Genexus Process Modeler), that is executed on a workflow engine (GXflow), and it is backed by the best practices related to this operation in the market. In addition, a batch report is created with the detail of those individual loans that are eligible for increasingly larger loans, allowing the beginning of a stepped lending flow. The policies defined by the institution are validated in every stage of the loan granting flow. If policies are breached, the scope is established: only information, warning (of granting process being blocked in later stages of the process) or blocking. In case of blocking, the process will not continue. However, it is important to distinguish between those breaching cases that might be authorized by a high level user (e.g., term, amount or rate exceptions) and the ones that are blocked without any exception and stop the loan granting flow until causative circumstances are corrected (e.g., black lists, payment default). A recovery management panel is available for users in order to manage and track delinquent loans. Moreover, a visit manager allows users to plan their tasks, in order to evaluate client`s financial activities and to make tracking or recovering visits. System Tools
System scope
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| Bantotal Comex (Trade Finance) | ||||||
| Trade Finance Services System (ComEx) The ComEx Systems allow to input and administrate all events which affect the different kinds of trade finance transactions. Scope and limits of ComEx Systems: They allow to input, update and carry out the follow-up of the different stages affecting each transaction. They calculate expenses, taxes and commissions (whether generic or individual) and perform the accounting of all events in an automatic way Although they control all the events during the term of the transaction, they do not process the related pre or post-shipment loans. Said transactions are managed by the Loans system within its environment specially controlled and linked to the transactions to be financed. Restrictive list of functions common to the ComEx Systems:
Trade Finance Support System Scope and limits of the Trade Finance Support System: These systems are designed for specialized users, not only in the commercial area but also in the implementation and customization of all the system as well as in the definition or change of accounting transactions. It allows levels of hierarchical users, the removal of Authorized and accounted book entries from previous days or of the same day. Allows commercial executives to keep the commissions and expenses both generic or by client decided by the Bank in a permanent and updated way. Supports the change by the user of the texts suggested in the different types of SWIFT and Telex messages. Restrictive list and functions associated with the Trade Finance Support System:
Import Letters of Credit System Scope and limits of the Import Letters of Credit System: Allows to input of Letters of Credit to be issued to foreign countries, with validation of input, shipment and maturity dates, as well as of the related texts. Carries out the control of negotiations and their utilization, allowing to leave a record of the different discrepancies that might arise. Makes it possible to make relevant changes as well as to collect any expense unexpected in the original definition. Changes automatically the item (book account) of due negotiations. Restrictive list of functions associated with the Imports Letters of Credit System:
Import Collections System Scope and limits of the Imports Collection System: Allows to input short or medium term commercial and financial collections with independent treatment of interests and periodical accrual of commissions. Supports the input and management of collections in installments (whether they are periodical or not). Records the acceptance of drafts, and accounts the guaranteed drafts in the contingency items. Allows the required modifications as well as the collection of unexpected expenses. The refinancing of guaranteed drafts are handled as credit transactions in the Loans system. Allows partial cancellations, transfers to other banks and individual collections. Restrictive list of functions associated with the Imports Collection System:
Export Letters of Credit System Scope and limits of the Export Letters of Credit System: Allows the input of the Letters of Credit received from abroad with validation of shipment dates, credit validity, reference from country of origin and issuance date. Issues automatic acknowledgement of receipt. Monitors negotiations (utilization with or without discrepancies), issuing in both cases the related printed issuance. Supports the transfer of Letters of Credit to other banks and secondary beneficiaries, carrying out the negotiations and settlements of the latter in an independent way. Allows to carry out the cession of reimbursement rights to other banks at any time. At the time of inputting transactions, the system verifies the remittance to be sent abroad with the details of remitted documents and eventual discrepancies (if any). Reprints the remittances sent and allows to send them to the indicated remitter. Structured together with the different modes of the Loans System (export financing or pre-financing), the system holds credits to beneficiaries when these have financing plans or sale of documents unsettled, obliging them to cancel the same before crediting the funds received from abroad. Restrictive list of functions associated with the Export Letters of Credit System:
Export Collection System Scope and limits of the Exports Collection System: Allows the input of collections from exports, verifies the issuance of remittances to foreign countries with the details of the documents attached and the remitter's instructions. Allows the reprinting of remittances and sending to the indicated addressee. Supports collections in periodical and non-periodical instalments. Issues traces of claims with the periodicity defined by the user on collections which are due or delayed. Structured together with the Loans System, the system is capable to control financed transactions by means of block-out, thus not allowing the credit of the liquid assets resulting from the operations without the previous cancellation of the loans. Restrictive list of functions associated with the Exports Collection System:
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| Bantotal Broker | |
| Scope and limits of Exchange System and Broker Interbanking funding and placements within the country, as well as, aboard, arbitrages and purchase/sale of foreign currency, for higher amounts than allowed by cash. Restrictive list of functions of Exchange System
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| Bantotal Securities | ||||
| It is the system that enables to manage
and process the operations, with public and private investment instruments,
assigned to the own bank investment or retail. Enables the entry and update of purchase/sale operations, registering the stipulated maturity, the rates, calculating the interests to be paid or collected, as well as, the accrued ones. Even though, the negotiated values are generally, issued by governmental institutions, it is also possible to manage documents, issued by organisms belonging to the private area. Among other functions, we supply:
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| Bantotal Internet Banking | ||||
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User profile.
| Bantotal Management Information System (MIS) | |||
| Process information recorded by other Systems in order
to generate financial profitability reports by different concepts: management,
product, client, branch. Its architecture is based on a data warehouse and
extracting tools through Excel 2000. Once in the Excel 2000 spreadsheets, the information is presented as a dynamic table and allows the use of all the tools including graphics.  Issues interactive or printed reports on profitability by different concepts. Information is extracted in Excel 2000 spreadsheets according to pre-defined dimensions and indicators. Restrictive list of functions associated with the Management Information System:
In general, the following indicators are provided for analysis:
The dimensions provided are:
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