areas of application


  • Multi-level chart of Accounts
  • Multi-currency General Ledger Accounts
  • Hierarchical cost centers
  • Employees linked with cost centers
  • Voucher / Multiple Debit & Credit accessible from a single window
  • Account Inquiry with updated balances
  • Voucher transactions review
  • MIS Reporting
  • Trial Balance
    • Value date / Transaction date
    • Before year-end & After year-end
    • At all account levels
    • Daily Trial Balance generation
  • Budgeting
  • Detailed Statement:
    • Account-wise
    • Employee-wise
    • Cost Centre-wise
  • Voucher / Transaction List for any specified date range
  • Bank Reconciliation Statement
  • Powerful soft-closing facility

A comprehensive security module prevents unauthorized access to the system and logs every activity. To further enhance the level of security, an optional fingerprint scanning module is also been provided. A flexible role definition facility is provided to enhance operational efficiency by giving the ability to define users. Furthermore, while defining a new user, an existing user’s profile can be used as a template and modified according to the privileges/permissions being given to the new user. All the reports are fully encrypted and can be viewed & printed through the Viewer utility provided in the system

An extensive & flexible centralized limits application, whose monitoring and control process enables the bank to define the limits at an account level, product level, customer level and group level

A comprehensive reconciliation module is provided to reconcile the following:

  • Inter Branch Transactions
  • NOSTRO Accounts
  • ATM / POS / Credit Card Transactions
  • Central Bank Transactions
  • Management Information reports are available for all Modules included in the system
  • Generates various reports that fulfil the Central Banks requirements
  • Parameterized report generation allows flexibility to cater to the changing requirements of Central Banks
  • Application Assistant that provides help & tips at various stages of application's usage and provides interactivity to the user
  • Online Central Bank Reporting facility is available

Returns for any country where e-nhance will be implemented, would be made available within 3-6 months of the first installation in that country

The means to Open & Maintain an Account, Define and/or change interest rate, etc.

  • Current Accounts:
  • Any customer movement account where transaction posting is permitted through the transactions posting function, can be considered a ‘Current Account’ by PIBAS Plus. Both debit & credit interest are allowed in Current Accounts

  • Savings Accounts:
  • Savings Account may be set up to be the same as Current Accounts or by specifying certain special conditions, the user can make them exclusively Savings Account [e.g. Interest to be calculated on minimum monthly balance, non-checking account, etc.]

Provides the means to input, supervise, review & cancel single and/or multiple entry financial transactions, both in local and foreign currencies

A complete solution for managing all types of deposits including call & short term deposits, term deposits, deposit certificates, etc.

A parameterized Remittances module facilitates the issuance of Banker’s Cheques / Pay Orders, Demand Drafts, Telex Transfers and Mail Transfers within 60 seconds

  • A dynamic Standing Order module that enhances the operational efficiency of the Bank’s staff
  • Frequency of the standing instructions can be defined as daily, weekly, monthly, quarterly, half yearly & yearly
  • Specified Amount:
    • Transfers the specified amount only
  • Over Specified Amount:
    • Transfers the amount over the specified amount
  • Full Amount without Reversal:
    • Transfers the entire amount
  • Full Amount with Reversal:
    • It is the reverse action of “Full Amount without Reversal”

  • Denominations for any Currency can be specified
  • All cash transactions are handled automatically
  • Records teller activities and movements of cash, including denominations, throughout the day
  • Provides teller status & summary

A comprehensive & effective Cheque Management system has made the application decidedly more secure. It provides the means to:

  • To maintain stock of cheque books
  • To flag cheques that have already encashed
  • To stop a cheque or a series of cheques

Multiple holds are allowed in a single account whereby the system puts those amounts in reserve and blocks the withdrawal of funds seamlessly. Liens can be marked against a Term Deposit Deal, in case it has been used as Collateral for allowing Loans and Advances to the customer

PIBAS Plus includes a Remittances Module integrated within the main application. This module caters to the issuance of Banker’s Cheques / Pay Orders, Demand Drafts, Telex Transfers, Mail Transfers in any currency, reprinting of Demand Drafts, Cancellation, Marking of Lost reported, Issuance of Duplicate Draft, etc... Banker’s cheques are only issued in local / base currency

Inward & Outward Clearing can be achieved with a single click. The system marks the Outward Clearing Return automatically and the charges will be debited from customers account. Inward & Outward Clearing can be tracked by utilizing the reports available in the system

PIBAS' CLC / EFT Module provides the capability of account-to-account fund transfers without the conventional paper instruments or having to usea telephone, computer or electronic terminal

A flexible, generalized & parameter driven ‘Bank Charges Module’ is available within PIBAS Core. The main features provided in this module are:

  • Charges can be defined at Module / Function / Sub-function or Transaction levels
  • Within each of these categories, multiple sets of charges of each type are available
  • Account level charges can be defined and maintained
  • The charges can be defined and deducted on Absolute Amount or Percentage basis
  • Certain Accounts / Account Types can be excluded
  • Offline Charges
  • Monthly Incidental Charges and Ledger Fee can be deducted on a Per Transaction or Per Month basis
  • Multiple offline charges can be defined on Account type, Currency & Category basis
  • The category is defined on the basis of Period, Balance & Transaction Type
  • Charges can be deducted at a specified frequency
  • Accounts can be exempted by defining special condition, customer code, analysis code or transaction code

PIBAS' Centralized Inter Branch Application facilitates inter branch transaction posting between two branches of a bank. It can be used to perform Fund Transfers, Transfer Delivery, Cash Deposit, Cash Withdrawal and Encashment of Banker’s Cheques within different branches. A comprehensive tool is available to monitor all online inter branch activities

  • An extensive Audit & Control system is available within PIBAS Core
  • User Maintenance and its Supervision with a complete audit trail
  • Every activity performed by the user is available/reported
  • Every transaction, whether financial or non-financial, can be viewed by two individuals [Maker / Checker concept]
  • All cancelled transaction are printed for audit purposes. Limits Audit trails are also available
  • Thorough checks and balance are available for tracking changes

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  • Phone [Pakistan]: +92.21.3452.1212

  • Phone [U.A.E.]: +971.6.568.8592

  • Email: info@pibas.com

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