iMAL Islamic Core Banking Platform
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.
The World's Leading Islamic Core Banking Platform
iMAL — built from the ground up on Shariah principles
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).
Core Capabilities
Everything a modern Islamic bank needs
Universal Banking Support
Full support for Islamic and conventional 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
Extend the core with purpose-built modules
Islamic Financing Solutions
End-to-end lending origination, management, and collections with automated Shariah-compliant workflows and credit decisioning.
Treasury & Trade Finance
Comprehensive support for Islamic treasury instruments and trade finance operations including LCs, guarantees, and collections.
Risk & Compliance
Integrated tools for financial crime management and regulatory adherence.
Digital Banking Platform
Modern, responsive internet and mobile banking with digital onboarding, fund transfers, bill payments, financing management, and corporate workflows.