Core System

One of the products that we will develop in the future is Intragama core system covering all aspects of the system ~ start retail banking, corporate and public.
Our solutions have a broad functionality that you expect to make the most advanced banking, combined with leading digital channels in the banking market (ATM, Mobile banking, Internet banking, SMS Banking, EDC etc.).
Connecting the Customer Service, Teller and Back-Office Services departments will transform your bank into customer-focused, efficient, effective and profitable as a sales machine. Intragama core system, depth and breadth of functionality to support bank operations and equipped with modern and parameterized architecture, it offers Rule proven to increase business agility and is an ideal platform for strategic growth. Banks throughout Indonesia are looking to increase profitability by expanding into new markets and customer segments, offering competitive products and supporting a wide range of channel products.
Innovation is critical to success, but there is also an ongoing focus on efficiency and productivity and the need for easy implementation. How are these goals pursued in parallel?
Intragama Core System is one of the core banking systems available, proven based applications using IBM AS/400 are secure, rich in functional and coverage as well as proven and reliable architecture

  • On-line Real Time Balance Sheet and Profit/Loss
  • KYCP (Complete CIF)
  • Inquiry BI Clearing (to Reconcile Clearing transaction)
Standardization of :
  1. Authority ( for user and group-user) , Authorization Limit – supervisor limit for override
  2. Verification (Supervisor & group supervisor) ; including user-definable verification
  3. Fee Based Income (individual and group)
  4. System Access Standardization (for inter branch transaction)
Penalty :
  1. Break Deposit – Base On outstanding / Fixed amount
  2. Early Payment – Base on Outstanding / Fixed Amount or Percentage
  3. Past Due Principal and/or Interest
  4. Un-used Facility
  • Automatic PPAP Calculation base on BI Regulation
  • Online Red Flag (BI Regulation – related AML)
  • User Design for : Operational and Accounting Report Statement , Passbook
  • Automatic Account Number on opening account or Reference number
  • Multi Streaming EOD Process
  • Maintain Old Number and New Number (Internal and External)
  • Loan and Deposit Simulator
  • Teller Denomination
  • Automatic / manual Collectibility base on BI Regulation (2 types)
  • Temporary User Id (if there is temporary user transfered to other
  • Create Payment Schedule automatically (Loan / Deposit)
  • Administration of Collateral Document (Collateral Maintenance) & SKR
  • Customer Relationship Management
  • Flexible (table parameter and extended)
  • User-friendly (menu and report user definable)
  • Open (easy to integrate to any 3rd Party System)
  • Scalable (can be upgraded along with the bank’s growth)
  • Comply to current BI regulations and Future (LABUL & SID)
  • Integrated but Modular
  • Report Design Generator
  • Online & Real-time Processing (up to Accounting Level)
  • Better control and security (Authorization and Verification)
  • Support Multi Branch Operations
  • Daily Threshold
  • Threshold Minimum Monthly
  • Monthly Average Threshold (Cumulative Balance D + K)
  • Threshold Minimum Daily Balance Rate
  • Daily Average Threshold (Cumulative Balance D + K)
  • Monthly Average Threshold (Cumulative Balance K)
  • Daily Average Threshold (Cumulative Balance K)
  • Tiered Daily
  • Tiered Minimum Monthly
  • Tiered Average Monthly (Cumulative Balance D + K)
  • Tiered Daily Average (Cumulative Balance D + K)
  • Tiered Average Monthly (Cumulative Balance K)
  • Tiered Average Daily (Cumulative Balance K)
  • Daily (Accrual Basis)
  • Futures Bank Discount - NCD
  • True Discount - NCD
  • Tiered Daily (PRK)
  • Daily Threshold (PRK)
  • Flat 1 (Fixed Fixed & Fixed)
  • Flat 2 (Principal Rise & Interest Down)
  • Monthly Annuity
  • Annuity Annuity Annuity In Advance
  • Sliding
  • Effective Average
  • Discounted - True
  • Discounted - Bank
  • Sliding Scheduled
Interest using the "Daily Acrual" method And applies to all Products:
  1. Giro / Savings Account
  2. Deposits
  3. Loans
  4. Provision Paid In Advance
Monthly Report BPR:
  • Form 00 - Principal Data of Reporting Rural Bank
  • Form 01 - Monthly Balance Account of the RB with the Administrative Account
  • Form 02 - List of Profit / Loss Details
  • Form 03 - List of Cash Details In Foreign Currency
  • Form 04 - List of Securities Details
  • Form 05 - Placement Details Listings at Other Banks
  • Form 06 - List of Loan Details Provided
  • Form 07 - List of Collateral Details Taken
  • Form 08 - List of Fixed Asset Details, Inventory and Intangible Assets
  • Form 09 - List of Details of Other Assets
  • Form 10 - Detailed List of Liabilities Immediately
  • Form 11 - List of Details of Interest Payable
  • Form 12 - Savings Details List
  • Form 13 - Deposit Details List
  • Form 14 - Savings Details List from Other Banks
  • Form 15 - List of Loan Details Received and Subordinated Loans
  • Form 16 - List of Other Liabilities Details
Request New DIN Number
  • Form - 01 - Debiture Data
  • Form - 02 – Data Manager / Owner
  • Form - 03A – Placement with Bank
  • Form - 03B - Credit
  • Form - 03C - Government Credit
  • Form - 04A - Collateral
  • Form - 04B - Guarantee
  • Form - 05 - LBU / LBPR Control (Specific to BANK reporter)
  • Form - 06 – Debiture Financial Data