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Delta - Delta-Bank universal core banking system
Overview:
Delta Informatique is a French-owned developer and supplier of banking application software, operating in the world markets. The company was founded in 1981 and has consistently ranked well amongst global banking system suppliers. Delta’s banking system, Delta-Bank, runs on multiple operating systems, is platform and database-independent; operates in a multi-lingual and multi-currency capacity and provides the features and functions necessary for a modern bank.
Delta Informatique has 300 staff dedicated to Delta-Bank development, system implementation, ongoing maintenance and support for clients. The company is operating in 40 countries and Delta-Bank is deployed in 135 banks (1–300) branches.
Platform: UNIX, Linux, Windows - Database: Oracle, Informix
Product: Delta-Bank – universal banking solution
Delta Bank is a Unix-based core banking application with retail, corporate, trade finance and treasury modules seamlessly integrated in a centrally deployed multi-tier, thin-client architecture with browser-based access. Delta Bank can utilise either an Oracle or Informix RDBMS, organising data in a customer-centric fashion thereby enabling full use of Delta Bank’s CRM module. Delta Bank has a broad and deep functionality and is claimed to be unique in terms of its parameterization, core system development and maintenance / upgrade methodology. Delta Bank is workflow enabled and supports extensive parameterization – reducing banking product creation and packaging time i.e. time to market. Delta Bank is multi-currency, multi-lingual and multi-platform and multi-bank / instance orientated. The system was one of the first banking applications to be used in an ASP configuration. The architecture allows seamless, standards-based messaging interfaces with Delta delivery channels or third party applications. Delta Bank supports Straight-Through-Processing, enabling its clients to offer their entire spectrum of services to its customers through remote delivery channels such as Internet Banking, Tele-Banking, Home Banking, ATMs, POS, and Kiosks. Coupled with the 24x7x365 availability, the Delta system helps banks to deliver high levels of service and exceed customers’ expectations.

Delta-Bank is fully scalable from single site off line functionality to over 3,000 on line users and over 300 branches. Delta-Bank has been benchmarked and stress tested for performance with over 12,000 simultaneous users and 15 million accounts.
Modules:
Core system -
Coding system
Accounting related features
Reporting
Posting model interpreter
24 x 7' processing
Branch system -
Front Office transactions
Back Office transactions
Means of payment
Cheque imaging
Default in payment
Term Deposit (TD)
Certificate of Deposit (CD)
Signatures
Customer Relationship Management (CRM)
Backup branch system
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Commitment system -
Loans
Revolving credit
Syndicated loans
Overdraft limits
Collaterals
Letter of Guarantee (LG)
Leasing
Term loan to bank
Factoring
Third holder & garnishment
Risk management -
Alert rules
Bad debts & provisionning
Litigation
Central credit monitoring
Customer risk analysis
Financial data analysis
Trade Finance system -
Letter of Credit (LC)
Documentary Collection (DC)
International transfers
Foreign cheques
Discounted FC bills
Domiciliation
SWIFT messaging
Foreign exchange position
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Multi-channel banking -
Delta-Vocal
E-Banking
Debit/Credit cards management
ETEBAC telematics
Other modules -
Budget accounting
Cost accounting
NOSTRO reconciliation
Insurances
Stocks/Securities
Specific features -
Balance of payments
Desktop publishing -
StreamServe
Management -
Payroll
Human Resources
Fixed asset
Procurement (Stock & Purchase)
F/A inventory using barcodes
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New:
Islamic version of Delta bank
Posting Model Interpreter
Upcoming full java version
Clients:
(IBS 2008 primarily universal banking | Delta Bank | Total Customers: 97 / New Signings in Yr: 6)
(IBS 2007 primarily universal banking | Delta Bank | Total Customers: 91 / New Signings in Yr: 7)
(IBS 2006 / Delta Bank Total Customers 107 / Live Sites 105)
(IBS 2005 / Delta Bank Total Customers 41 / Live Sites 120)
(IBS 2004 / Delta Bank Total Customers 84 / Live Sites 84)
(IBS 2003 / Delta Bank Total Customers 102 / Live Sites 110)
Delta’s clients include leading financial institutions like: Société Générale, Fortis / Belgolaise, Natexis Banque Populaire, Caisse de Crédit Agricole, SGMA Morocco, Coop Bank (Cyprus).
Latest important projects:
Attijariwafa Bank (Europe and Tunisia)
SGS (Serbia) (live 2008)
LIB Ethiopia (live 2008)
SG-SSB (Ghana)
SGCB (New Caledonia)
Autumn 2008 announcement:
Delta’s on-going implementation in SGSB (Croatia)
Upcoming implementation in SG : Romania and Albania
SG Russia (live 2007)
Contact:
Head Office
Delta Informatique
47 rue Christiaan Huygens - B.P.97315
37073 Tours CEDEX 2
France
Georges Ayoub / Julia Paganelli
Tel. + 33 (0) 2 47 87 11 00
Fax. + 33 (0) 2 47 87 11 01
Website URL: www.delta-informatique.com
eMail: marketing@delta-informatique.com
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