Complete control of government bonds, from issuance to maturity.
The Security Bond Management System (SBMS) is a product of Softcell Solution Limited, built for banks and financial institutions that issue and service Bangladesh Government Bonds. It manages the full schedule of activities — from issuance to maturity — including reporting to Bangladesh Bank.
Transactions generate automatically across customer database, stock, sales, interest, encashment, commission, Paritoshik and lien. SBMS prints certificates, reinvests bonds, and produces statements for sales, interest payment, encashment, commission claim and Paritoshik claim in Bangladesh Bank formats. Web-based and desktop deployments are both available.
Every scheduled activity, in one system.
Stock, issuance, interest, encashment, commission and Bangladesh Bank reporting — the operational surface banks actually run on government bonds.
Stock Maintenance
Manage stock quantities, set low-level alerts, and generate and send requisitions of bonds to Bangladesh Bank.
Sale / Issuance of Bonds
Issue or sell all types of Sanchayapatra, including foreign-currency bonds. Each issuance holds product and customer data, then generates a payment schedule.
Customer Information
Assign each customer a unique Customer ID that holds the detailed information required for bond operations.
Interest / Coupon Payment
Automatic interest and tax calculation, with paid-interest adjustment for early encashment of a bond.
Flexible Interest Rate Maintenance
Government rates change over time. SBMS keeps product rates with history so interest is calculated correctly for the tenor slab in force at issue.
Commission Realization
Calculate commission to be claimed from Bangladesh Bank as per each product’s feature.
Reporting to Bangladesh Bank
Keep all reports of sales, interest payment, encashment and commission claims in Bangladesh Bank formats.
Reconciliation with Bangladesh Bank
Track Bangladesh Bank entries for sales and reimbursement of encashment and coupon payment.
Reinvestment
Reinvest bonds for the same period, as supported by the product feature.
Certificate
Generate Certificate, Bond Purchase Certificate, Encashment Certificate, Interest Payment Certificate and related instruments.
Lien Marking / Status Changing
Lien marking, stop-payment status changes, and duplicate issue of bonds.
Audit Trail
Audit trails for insightful user activity, as functions set by the system administrator.
Data Migration / Entry
Migrate existing data into SBMS, with options to enter previous records so operations continue without a break.
User Maintenance
Create users with assigned rights. Only System Admin can create users and hold total access control.
Faster service. Cleaner reporting. Lower operating cost.
- Gain customer satisfaction through quick service
- 100% formatted Bangladesh Bank reporting
- Payment forecasting for future cash outflow
- Save man-hour
- Save operation cost
- Hassle-free auto interest and tax calculation
- False / fake transaction detection
- Maintenance of secured data transaction
- Role and right based users’ access to the system
- Increases visibility and transparency