Industry
Banking & Microfinance
Branch network and head office in one platform.
Banking and microfinance accounting with full branch support: multi-branch ledgers, loans and savings, treasury, consolidation, and regulatory reporting.
Key value proposition
- Branch-first, head-office control: One platform for all branches and head office—unified ledgers, reporting, and compliance across the network.
- Single source of truth: Core banking and microfinance operations—loans, savings, treasury, and GL—with real-time consolidation and branch-level visibility.
- Compliance by design: Built-in controls for banking regulation, capital adequacy, liquidity, and audit trails that meet supervisory requirements.
- Actionable insight: Performance by branch, product, or segment; NPL and portfolio quality; funding and liquidity in real time.
Built for banking and microfinance
- Branch support and multi-branch operations: Each branch has its own operating ledger with automated consolidation to head office. Branch-level limits, approvals, and reporting without separate systems.
- Loan and savings management: Loan origination, disbursement, repayment schedules, and savings/deposit products with full GL integration and interest accruals.
- Treasury and liquidity: Cash positions, inter-branch transfers, and central funding with reconciliation and reporting.
- Product and segment reporting: Profitability by product (loans, savings, fees), by branch, and by customer segment.
- Regulatory and capital reporting: Capital adequacy, liquidity ratios, NPL reporting, and statutory returns with audit trails.
Enterprise accounting and reporting
- Full GL with multi-branch, multi-entity, and multi-currency support. Branch and head-office charts with automatic consolidation.
- AR, AP, and bank reconciliation with approval workflows and segregation of duties.
- Fixed assets and depreciation by branch or cost centre.
- Statutory and management reporting: P&L by branch, product, or entity; regulatory packs; and group consolidation.
The business case
- One system for the entire branch network instead of fragmented branch ledgers.
- Faster period close and accurate group and branch reporting.
- Stronger compliance and audit readiness for banking and microfinance supervision.
- Scalable as you add branches or products.
Ready to see it in action?
Talk to us about your requirements and we’ll show you how ThinkLedger fits your industry.
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