ICBS: Integrated Computerized Banking System is a modular completely integrated, customer centric business oriented Universal Banking software solution totally designed and developed to comprehensively handle, manage and control financial institutions front & back office: Retail, Corporate, Investment and Private Banking activities.

ICBS is internationally recognized and widely adopted
by the financial community; it runs in more than 70 Banks and Financial Institutions worldwide. It is referenced by “International Banking System” (IBS) Publishing and selected by Gartner Consulting in the Magic Quadrant for Core Banking.

ICBS is the result of thirty four years of ongoing close cooperation between leading bankers and BML Istisharat contributing to a constant evolution of ICBS functions and features to meet challenging and continuously evolving markets demands.

is aligned to the international standards while meeting the local specifications to assure compliance with both International (IAS and IFRS) and Local regulations.
BML Istisharat research and development experienced and continuously trained team insure that ICBS is constantly updated to new industry trends using latest technology.

ICBS Solution main features:

  • Secure, real time on-line, 24x7, multi-lingual, multi-currency, multi-entities, fully integrated, user friendly with standardized Web/GUI user interface, empowering business, improving staff productivity and reducing human intervention and errors.

  • Flexible, evolving, fully parameterized and easily customizable ensuring high level of autonomy, providing agility in competitive market and new innovative offering with reduced time to market.

  • Efficient automated capabilities combining standard business rules with particular conditions streamlining processes, reducing paper work, redundancy and operational cost.

  • Comprehensive information, well informing global views with drill down to details allowing for efficient customers’ relationships, 360O view, Cross and Up selling opportunities, Risk management control and monitoring.

  • Standard set of APIs and web services for smooth third party products integration and servicing customers across several delivery channels.

  • Full audit trails logging user’s interaction and storing data used also for performance measurement and recognition.

  • Based on Oracle web multi-tiers architecture, ensuring: high level of security, data integrity, maximum availability, proven scalability, accurate transaction processing and reporting, hardware independence and deployment on a large choice of operating systems.