TMC Banking Solutions
TMC Pvt Ltd is Azentio's exclusive strategic Partner in Pakistan, bringing globally proven banking technology to support financial institutions in their digital transformation and full and quickest transition to Islamic banking.
iMAL – The World's Leading Islamic Core Banking Platform
iMAL is a comprehensive, front-to-back Islamic core banking system built from the ground up on Shariah principles. It is the only core banking platform in the world to receive full AAOIFI certification for 16 consecutive years (including 2025).
AAOIFI Certification – Key USP
Unlike systems that claim "Shariah compliance" through add-ons or configurations, iMAL is independently audited and certified by AAOIFI every year. This certification covers Shariah standards, accounting rules, and product structures, delivering:
- Guaranteed authenticity of all Islamic contracts
- Reduced risk of regulatory or Shariah board objections
- Faster product approvals and smoother audits
- Free updates for new AAOIFI standards
Core Capabilities
Full Banking Support
Full support for retail, corporate, treasury, trade finance, investment, and microfinance
Native Islamic Products
Native Islamic financing products including Murabaha, Ijarah, Mudarabah, Musharakah, Salam, Istisna, and Sukuk etc.
Advanced Profit Calculation
Advanced Islamic Profit Calculation System (PCS) with multi-pool management, automated profit allocation, equalization, and Zakat handling
360° Multi‑Entity View
360° customer view, real-time processing, multi-entity, multi-currency, and multi-branch operations
Regulatory & Risk
Integrated regulatory reporting, risk management, and audit traceability aligned with SBP and AAOIFI requirements
Low‑Code & Cloud Ready
Low-code customization and cloud-ready architecture for fast deployment
Next Generation Value Added Banking Solutions
End-to-end lending origination, management, and collections with automated Shariah-compliant workflows and credit decisioning.
Comprehensive support for Islamic treasury instruments and trade finance operations including LCs, guarantees, and collections.
Integrated tools for financial crime management and regulatory adherence.
Modern, responsive internet and mobile banking with digital onboarding, fund transfers, bill payments, financing management, and corporate workflows.
Contact TMC
Ready to strengthen your Islamic banking operations with a truly compliant and future-ready platform?
Contact Us