SBI is India's oldest and one of the largest banks globally. It automated all its branches in the mid-1990s and computerized them all by 2005 using various software systems. SBI uses programs like TCS BaNCS for core banking and Oracle for its database. It implements technologies like centralized trade finance systems from SAP and processes transactions in real-time to keep customer accounts and funds updated instantly. All customer records and transactions are stored on SBI's main server to provide services like online complaints processing and automatic account balance alerts.

1. A Study on MIS in Banking Sector

2. SBI
• SBI is the oldest commercial bank in India &
one of the Largest banks on earth in terms of
branches, accounts etc
• The group has number of Associate companies
& Subsidiaries, As of today it has assets more
than 27 Lakh Crores
• SBI branch manager in Tenali, Mr Sridhar ,
Thanks to the manager for taking his valuable
time out & helping me in the study process

3. • As explained by the manager , SBI took an
initiative to automate all the branches in mid 90`s
and computerized all branches by 2005 with the
help of Kindle Bank master .
• TCS is providing software for SBI to implement
centralized trade finance system & The company
is using SAP ERP to the needs of HCM and CRM
processes.
• SBI`s TPS records all Personal Banking related day
to day transactions which includes Cash Deposits
, Loan Applications for Homes , Education ,
Vehicular Financing etc

4. • SBI`s software details; Main Software – TCS BaNCS
, Programming Language- COBOL, .NET on front end
, Database – Oracle 9i
• SBI`s ATMs were connected to the Bankmaster branch
system via a gateway PC, and ATM transactions were
posted at the end of each day to Bankmaster.
• The branch records all transactions under the
corporate sector & bank transactions under agricultural
& rural sector( which includes Farmers loans , Micro
finance detail, rural bank accounts)seperately.
• The bank manager must diligently analyze all the
information and decide how much credit can be given
to a particular company , party etc

5. • Other reports like List of defaulted loan
repayments , Non moving accounts , Delays in
crediting cheques etc
• SBI adopts real time banking i.e in many
circumstances the primary factor is speed ,For
example when a customer withdraws a sum of
money from his/her account ,the transactions are
processed and the account balance is updated as
soon as possible allowing both the bank and
customer to keep track of funds in real time.
• SBI allows the customer the option of online
complaints ,when the customer submits the
online complaint it is processed by Customer
Service TPS to the concerned branch

6. • All the records of customers are stored in
main server of SBI ,so incase if someone
account balance is getting near to zero,the
system automatically alert the customer &
concerned branch about that.
• For online transactions , the process will be
Input-Concerned branch code, city name,
Account title & amount of transaction. This
information will send to organization server
and funds will be transferred. As required.