Used by elite multinational banks of all sizes, Winbank serves primarily the needs of investment banks and those that require customized solutions to meet specific business needs.
Low profitability, competitive and regulatory pressures, and risk management requirements make it harder for banks to grow their business.
In the face of these obstacles, financial institutions now require immediate and real time access to complete and accurate financial information.
In order to compete, banks need to quickly launch products while conforming to best practices and regulations.
They are turning to straight through processing that eliminates labor-intensive, manual processes, thereby saving time, reducing error and mitigating operational risk.
BIS’ banking solution Winbank helps banks improve customer loyalty and retention, launch new products and services quickly, monitor profitability, comply with regulations, and enter new markets confidently.
Winbank Banking Solution provides a scalable, customer-centric and integrated core banking system to help banks compete in an environment of intense competition.
The solution;
- Provides retail and commercial banking capabilities
- Handles deposits, lending, payments, trade and treasury modules
- Integrates accounting and business
- Offers a scalable and flexible open platform technology
- Delivers quick implementation via proven methodologies
- Provides conventional and Participation banking
Being the core of the system, this section contains the basic accounting structure, the customer database and the general system and user parameters.
System Management: Through system management, you can maintain certain parameters that set the working principles of your institution so that you can design the control and work-flow accordingly as well as maintain standard variables parametrically.
Accounting: Users can maintain a chart of accounts in accordance with the working patterns of the institution, issue financial statements, access to account balances and movements as of desired dates. With this accounting structure, you can produce regulatory books, issue balance sheet and profit/loss account, and make rediscount/evaluation transactions. You can also maintain financial statements parametrically, and produce the desired financial statement in a flexible way.
Customer Database: Thanks to customer-centricity of Winbank, it has become easier to continuously monitor and measure the performance of your client base on a global basis. With Winbank, adopting required marketing activities takes less effort than before.
Security: You can maintain user access rights and differentiate authorizations such as transaction limits, reporting or execution rights
Encompassing all the applications related to deposits, this section has a structure which allows for performing all inter-branch transactions online. Deposit related functions which are carried out by cashiers and back-office employees are performed based on a "work flow" logic. This section incorporates control and alert functions on the basis of transaction types, operating by using the parameters and definitions referred in the Kernel section of the system.
Perform cash, cheque, remittance and EFT transactions
Make foreign currency cash transactions (purchase/sale)
Make international remittances
Process foreign currency cheque collection/purchase
Process Foreign currency cheque drawing
Transfer transactions
Perform teller vault reconciliation
This is a module consisting of programs used to make transactions on cheques and bills received from customers for collection of proceeds or as collateral of loans. The Cheques and Bills module supports a full integration with the Loans Module.
Enter payrolls
Send/receive cheques to/from clearing house
Receive clearing results
Return cheques
Perform cheque payments
Integrate with cheque reader devices
Process foreign currency cheques
Control blacklists
The Retail Loans module covers the loan applications, utilisation, approvals and loan repayment functions.
Prepare various options through installment plan scenarios
Employ effective risk management by checking blacklists
Automate loan application, approval and disbursement processes
Make installment payments
Close credits and create accounting slips automatically
Get detailed reports and continuously monitor your enterprise’s risks
The Retail Loans module covers the loan applications, utilisation, approvals and loan repayment functions.
Prepare various options through installment plan scenarios
Employ effective risk management by checking blacklists
Automate loan application, approval and disbursement processes
Make installment payments
Close credits and create accounting slips automatically
Get detailed reports and continuously monitor your enterprise’s risks
Through the Import module you can follow up and report the import file data, perform provision, documentation, policy, transfer, value increase/decrease and file closure transactions and legislation controls related to imports.
File opening
Correspondent bank approval
Document handling
Transfer
Draft handling
Expenses and commissions
Designed for fixed income securities transactions, the Fixed Income module covers purchase/sale and repo transactions made by means of various instruments (e.g. treasury bills, government bonds, income sharing notes, wholesale price index, consumer price index) in the securities markets. Unit cost and funded costs of stocks can be monitored separately or proportionally. The announcements of the Istanbul Stock Exchange and the Central Bank related to the transactions can be monitored and reported at a certain range of dates.
Treasury bills and government bonds
Repos and reverse repos
Optional repos
Commission based customer deals
Multi level portfolio and stock management
Pricing for branches
Monitoring cost of stocks, P&L calculation
Assignment of stocks to repos
Automatic recovery for cost calculations
EMKT integration (Electronic Securities Transfer System - ESTS)
Winbank is fully compliant with Turkish market regulations. With a parametric structurethe system can flexibly produce mandatory reports that are sent to regulatory bodies such as the Ministry of Treasury, the Central Bank, and the Capital Market Board. It can produce 150 of around 170 statutory reports by means of the in-built reporting tool.
Decrease manual processing and free up your staff
Create report templates with minimum modification effort
Get compliant quickly and focus on your core business
Webbank, the Internet Banking Solution, allows the individual and corporate customers to use the home and office banking functions around the clock for 365 days a year. The customers can obtain banking services by connecting via the Internet or Extranet from their home or office. In addition to the customer number in the banking system, the customers are given a security code and password to access to the Internet banking module. Thanks to its flexible and scalable structure, the system provides comprehensive services to many customers simultaneously.
Empower your customers to perform transactions on their own
Reduce your operational burden and costs
Use the Internet as a supportive service channel
ATM Integration
POS Integration
Credit Card Integration
Credit Cards
Credit Cards – BankSoft Credit Card Package Integration
IVR Integration
On-line Turk Telekom Transactions
Social insurance premium collections
Utility collections
Tax collections
School tuition installment collections
Payment of staff salaries
Credit card payments
Domestic payment process management with EFT (Electronic Funds Management)/EMKT (Electronic Securities Transfer System)/FAST (Retail Immediate Payment System).
Outgoing message creation
EFT message templates
Release/Auto release
Queue process and inquiry
Partial message creation
Netting processes
Automated matching processes
Automated incoming return of payment processes
Forward value payments
Auction messages
Integration with Central Bank of Turkey
Rich reporting
Fully automation integrated with any Swift system.
Message Definitions
BIC Code Definitions
BIC Code - EFT Code Mapping
Corresponding Bank Definitions
SSI Definitions
Rma Definitions
Currency Calendars
Cut-off Definitions
Format Validations
Data Validations
Release
Settlement
Expectation Matching
With the Central Bank of the Republic of Turkey's Fund Instant and Continuous Transfer of Funds (FAST) process, users can quickly and easily transfer funds between their accounts at different banks 24 hours a day, 7 days a week and banks/payment institutions notify the parties to the transaction of the transaction result as an instant notification.
WinPAY product is directly integrated into the FAST system and provides system support that banks and payment service providers can use in their payment processes.
Som of the advantages WinPAY offer are as follows:
- 24/7 Instant Payment Service
- Payment in Seconds
- Full Compliance with Message Structures
- Limit Rules
WinPAY is Windows/Unix/Linux based and provides the opportunity to work on Oracle, MS SQL and other databases and has a flexible structure in the integration process.
Kernel