Azentio Banking Solutions by TMC
Purpose-built technology for core banking modernization
As Azentio’s exclusive strategic partner, TMC Pvt Limited helps financial institutions modernize Islamic banking operations through specialized core banking technology, supporting regulatory and Shari’ah compliance, operational control, and sustainable growth.
iMAL, the world’s leading Islamic core banking platform
iMAL is the world’s leading Islamic banking platform and the only AAOIFI-certified core designed specifically for Shari’ah-compliance. It’s future-ready technology allows institutions to deliver digital-first Islamic banking built for sustainable growth.
CERTIFIED
16 YEARS
AAOIFI-certified core to simplify Shari'ah-compliant banking
Unlike systems that claim "Shari’ah compliance" through add-ons or configurations, iMAL is independently audited and certified by AAOIFI every year, covering Shari’ah standards, accounting rules, and product structures.
Guaranteed authenticity
Guaranteed authenticity of all Islamic contracts.
Reduced risk
Reduced risk of regulatory or Shari’ah board objections.
Faster approvals
Faster product approvals and smoother audits.
Free updates
Free updates for new AAOIFI standards.
The complete foundation for modern Islamic banking
Universal banking support
Full support for Islamic, conventional, retail, corporate, treasury, trade finance, investment, and microfinance.
Native Islamic products
Murabaha, Ijarah, Mudarabah, Musharakah, Salam, Istisna, Sukuk, and more, built into the core from the outset.
Advanced profit calculation
Islamic Profit Calculation System (PCS) with multi-pool management, automated profit allocation, equalization, and Zakat handling.
360º customer view
Real-time processing with 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/no-code & cloud-ready
Low-code, cloud-ready architecture supports faster product launches, simpler customization, and seamless scalability.
Trusted nationwide by BankIslami Pakistan
BankIslami Pakistan has successfully implemented iMAL to power its nationwide operations and deliver innovative Shari’ah-compliant digital banking services.
Future-ready solutions for modern Islamic banking
Unified lending suite
End-to-end lending origination, management, and collections with automated Shari’ah-compliant workflows for faster credit decisioning.
Treasury & trade finance
Comprehensive support across Islamic treasury and trade finance operations, including LCs, guarantees, and collections.
Built-in risk control
Integrated financial crime management and regulatory compliance, with built-in controls for AML, KYC, sanctions screening, and regulatory reporting.
Digital banking innovation
Connected digital banking across onboarding, payments, financing, and corporate workflows, designed to simplify every customer interaction.
Global technology, local expertise
Azentio combines deep domain expertise with mission-critical technology built for complex financial environments. With TMC’s local presence and integration capability, financial institutions can modernize core banking operations with greater control and resilience, creating a stronger foundation for sustainable growth.
Ready to strengthen Islamic banking operations with greater control and compliance?
Contact TMC today to explore how Azentio iMAL can support your institution’s transformation.