Periodic reports

Automated production of accounting statements and appendices.

Main features

Management of regulatory parameters
Loading input information
Data processing
Rounding management
Consistency check
Searchable audit trail
Multi-format editing of accounting statements and notes
Generation of flat files for submission
Archiving and consultation

 Publishable financial statements CRAEF

Automated production of Financial Statements and Reserve Requirements.

Main features

Management of regulatory parameters
Loading input information
Data processing
Rounding management
Consistency check
Searchable audit trail
Multi-format editing of accounting statements and notes
Generation of flat files for submission
Archiving and consultation

 FODEP reports

Automated production of prudential statements using the Prudential Declaration Form (FODEP) in compliance with Basel 2 & Basel 3 requirements.

Main features

Management of regulatory parameters
Loading input information
Data processing
Rounding management
Consistency check
Searchable audit trail
Multi-format editing of accounting statements and notes
Generation of flat files for submission
Archiving and consultation

 Prudential consolidation

Consolidation of the accounting position and ratios of the branches and companies under its control at parent company level. at parent company level.

Main features

Management of regulatory parameters
Loading input information
Management of reciprocal accounts
Processing FODEP reports on an aggregated or consolidated basis
Rounding management
Consistency check
Searchable audit trail
Editing consolidated prudential statements and notes in multiple formats
Archiving and consultation

 New Central Risk

Automated production of customer consents and non-consents under the NT1 framework respectively to the Credit Information Bureau (BIC) and the Central Credit Register.

Main features

Management of regulatory parameters
Chargement des informations en entrée
Data processing
Customer consent management
Consistency check
Multi-format document editing :
      - Consenting Customer Contract with the Credit Information Bureau information
      - Contract for non-consenting customers with the Central Register of Risks (CR)
      - Generation of zipped XML files of contracts
      - Encryption of generated files
Archiving and consultation

 Credit Information Office

Automated production of customer consents and non-consents under the NT1 framework respectively to the Credit Information Bureau (BIC) and the Central Credit Register.

Main features

Management of regulatory parameters
Chargement des informations en entrée
Data processing
Customer consent management
Contrôle de cohérence
Multi-format document editing :
      - Consenting Customer Contract with the Credit Information Bureau information
      - Contract for non-consenting customers with the Central Register of Risks (CR)
      - Generation of zipped XML files of contracts
      - Encryption of generated files
Archiving and consultation

 Central Risk Management

Management of data collection from financial institutions, public sources and large and large billers (water and electricity supply companies, telephone companies, etc.), data on a customer's credit or payment history. payment history.

Main features

Setting
Loading files
Consent
Contract declaration
Processing
Reports
Control

 Payment incident centre

Automated reporting of incidents involving payment instruments (cheques, bank cards, bills of exchange) and on account openings and closures to the Central Bank.

Main features

Management of regulatory parameters
Loading input information
Data processing
Consistency check
Multi-format editing of financial statements and notes
Archiving and consultation
Regulatory declarations of:
      - Account openings,
      - Changes recorded in the accounts
      - Closing accounts
      - Incidents
      - Irregular
Generating declaration files and reports

 Balance of payments

Automated production and generation of reports on all payment transactions payment transactions between credit institutions and their correspondents in accordance with the new BCEAO requirements.

Main features

Management of regulatory parameters
Loading input information
Processing
Consistency check
Editing :
      - Transfer notices received
      - Payment Reports
      - BP1: Statement of foreign correspondent account movements
      - BP2: Statements of balances in currencies included in the balance sheet of the reporting bank
      - BP3: Purchases and sales of manual foreign exchange instruments
      - BP4: Data on the use of bank cards and money transfers
Archiving and consultation

 The fight against money laundering and terrorist financing

Automated processing and reporting of suspicious transactions by banking customers to the Monetary Authorities.

Main features

Multi-criteria settings :
Individual profiling of portfolio customers by country of residence/provenance and monthly business sector
Blacklists (UEMOA, FATCA, EU, etc.)
Upstream management of suspicious transaction alerts
Near-real-time data processing
Edition :
      - Form for suspicious transactions to be reported to CENTIF
      - Alert management
Archivage et consultation

 General banking conditions

Automated processing and generation of reports on general banking conditions and business surveys.

Main features

Management of regulatory parameters
Loading input information
Processing
Consistency check
Editing :
      - Monthly flat file or CSV of bank conditions containing credit data credit data, discounted bills of exchange and term deposits
      - Quarterly flat file or CSV file of overdraft authorisations authorisations
      - Quarterly XLS file containing data from the business survey on the distribution of bank credit
      - Quarterly XLS file containing survey data on general banking general banking conditions.
Archiving and consultation

 Bank Commission verification file

Automated extraction and formatting of files to be made available to Commission Bancaire Bank Commission inspectors during their on-site inspections.

Main features

Management of regulatory parameters
Loading input information
Processing
Consistency check
Editing :
      - Customer database flat file
      - Flat file of outstanding amounts
      - Operations flat file
      - Bank transaction file in ''txt'' format
      - File of balance sheet and off-balance sheet account balances for years N, N-1, N-2 in ''txt'' format
      - Fichier des soldes des comptes de charges et produits des années N, N-1 , N-2 en format ‘’txt’’
Archiving and consultation

 Documentary inspection

Automated processing and generation of reports required by the Bank Commission's control missions relating to governance, control bodies, the balance sheet and the various risks incurred.

Main features

Management of regulatory parameters
Loading input information
Processing
Rounding management
Consistency check
Searchable audit trail
Editing:
      - Flat file with breakdown of balance sheet accounts by residual life remaining term
      - CSV file with information on governance, external control and statistical data
      - Monthly flat file of responses to the governance, risk and control, credit risk questionnaire
Archiving and consultation

 Management of dormant accounts

A series of technical provisions for declaring to BCEAO accounts that have have been inactive for at least 10 years.

Main features

Management of regulatory parameters
Loading input information
Processing
Rounding management
Consistency check
Searchable audit trail
Editing:
      - Inactive accounts over a given period
      - Dormant accounts
Generation of the dormant accounts flat file to be declared
Archivage et consultation

 Doubtful and disputed debts

Management of Doubtful and Litigious Debts, Restructured Debts of Credit Institutions following the reforms of the Central Bank of West African States (BCEAO).

Main features

Automatic and semi-automatic downgrading of unpaid instalments qualified
Automatic calculation and booking of interest on arrears on downgrading
Automated management of collections of attached receivables and unpaid debts
Constitution et ajustement des dépréciations sur les échéances
Calculation of interest on arrears
Automated management of the return to better fortunes and reclassification to sound definitive
Archiving and consultation
Management of alerts on accounts likely to be downgraded to Doubtful and doubtful debts

 Debt restructuring

This function allows you to restructure the debt of a customer who is experiencing difficulties or is about to experience difficulties in repaying their instalments.

Main features

Automated calculation of the basic amount of the Amortisation Table (AT) for the restructured loan
Automatic generation of the TA with breakdown of the marginal costs of the restructured loan
Automatic calculation and distribution of the restructuring discount
Setting up the restructuring file
Automatic repayment of instalments on restructured loans
Automatic recovery
Automated management of the return to better fortunes and reclassification as a definitive pensioner
Reclassification as Doubtful and doubtful debts
Archiving and consultation

 Managing and monitoring bad debts

This module enables you to monitor doubtful and disputed debts that have been reclassified as irrecoverable.

Main Main features

Automatic reclassification of Doubtful and disputed debts as bad debts at the end of the 5^th accounting period accounting period
Monitoring current and future actions
Extra-accounting management of collections
Managing stock alerts
Notification of movements to Managers
Etat de recouvrement
      - By agency
      - By manager
      - By period
Monitoring customer arrears
Statistics on bad debts
      - By agency
      - By manager
      - By period
Archiving of documents relating to bad debts.