defBank Pro - central system for cooperative banks
defBank Pro is a central IT system for cooperative banks. It is distinguished by its universality, flexibility and easy adaptation to the individual needs of each bank. Thanks to extensive parameterization, it provides comprehensive support for operations and the construction of new functionalities in the central banking system. The system is open to integration with auxiliary systems such as electronic banking, mandatory and internal reporting, as well as supporting systems such as the Shareholders' Register.
Asseco banking system’s application areas:
Registration and transaction processing
Automation of product and service handling
Maintaining files of customers, products, securities, exchange rates and schedules
Generation of accounting statements and printouts
Providing source data for analytical systems
Regulatory compliance
Asseco's central banking system is a Polish system that meets all local regulatory requirements. With ongoing updates, it is adapted to regulatory changes, supporting cooperative banks in their daily operations and in achieving their strategic goals.
List of latest system updates for cooperative banks
Support for borrowers
Suspension of repayments: Recording on the credit agreement the periods of suspension of repayments, which are associated with the periods of non-interest accrual.
Identification of annexes: Identifying annexes, e.g., credit vacations, and their data files sent to the Credit Information Bureau (BIK).
BGK Guarantees: The BGK guarantee secures the loan portion resulting from the customer's inability to raise their own equity contribution.
Anti-usury law
New algorithm for calculating MPKK - the maximum amount of non-interest credit costs.
Sanctions
Blocking the sum of deposit balances (current accounts, term deposits, etc.) of the designated customer when they exceed the specified limit.
mObywatel
Verification of the electronic identity document from the mObywatel application.
Dormant accounts
Customer instructions for dormant accounts, resulting in changes to the entity's file.
Proper registration of suspicious transactions
For transfers from abroad, the Polish intermediary bank provides information to the recipient bank via the Elixir message.
Occasional transactions
Identification of the AML risk level for occasional transactions
News
Worth Reading
Learn about the latest information from the cooperative banking sector.
Banks seek support in handling debt collection processes
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