The document discusses the core banking solution implemented by State Bank of India (SBI), the largest bank in India. SBI implemented a core banking solution from Financial Network Services of Australia to enable online, real-time banking across its large network of over 16,000 branches. The solution provides 24/7 banking, strengthens management information systems and decision support, and allows for new delivery channels like ATMs and internet banking. Tata Consultancy Services customized the software for SBI's needs and led the implementation project.

2. INTRODUCTION
 State Bank of India Largest nationalized commercial bank in
India
 In terms of assets, number of branches, deposits, profits and
workforce.
 Headquarters in Mumbai, India and employs about 205,896
people.
 Wide distribution network
 Highest market capitalization and profits

3.  Largest branch network in india with 16000 branches.
 Over 8500 ATM’s.
 WEBSITE:statebankofindia.com

4. NEED FOR MIS
 24 hours banking,7 days a week.
 Anywhere banking
 Introduction of new delivery
channels,ATMs, Internet banking etc..
 Efficiency in operation.
 Strengthening DSS,EIS etc and improve in the
strategic areas like Trade Finance,Treasury.etc

5. SOLUTION
The solution chosen by the SBI after
due evaluation and keeping the above objectives in
mind is a
 Core banking solution of Financial Network
Services ,Australia, which has already been
successfully implemented in diverse centralized
environment.
 SBI had chosen TCS Limited ,the largest software
and service company in the country, to customize
the product to their needs and also to undertake
pilot implementation.

6.  Teams have been formed by the vendors as well as the
Bank, which define the product specific functionalities
and customize the software to meet the needs of the
bank.
 Along side ,where ever considered expedient and in
the interest of customers ,appropriate re-engineering of
present systems and procedures and process will be
brought about to exploit full potential of the package.

7. Core banking solution & technology of
SBI

8. CORE BANKING SOLUTION
 It is a centralised data processing with IT application
 which branches and administrative offices are connected with the
objective
 to provide any time any where banking
 efficiency in operation
 strengthening MIS/DSS/EIS
 handling effectively strategic areas like – trade
Finance, Treasury, ALM(Asset Liability Management) etc.

9. Solution providers in SBI
 M/S financial network services (FNS), Australia
-B@ncs24: software SBI use in CBS.
-B@ncslink: linking software
 M/S comlink services, USA
-Finance one: corporate general ledger part
 M/S china system, hongkong/ dubai
-Exim bills: trade finance package.
 M/S Oracle corporation, USA
-Oracle 9i: data base management
 Unix/ window 2000
-Operating systems

10.  M/S data craft, Singapore
-Maintenance of SBI connect: leased line connectivity
 Bharat Sanchar Nigam ltd (BSNL), india
-Leased line for SBI connect & integerated services digital
network (ISDN) line as a standby support.
 HP systems, USA
-Hardware supplier
 Tata consultancy services(TCS) ltd
-Customisation, integration and implementation
 HCL- comnet
-VSAT

11. Differences of CBS from Bank master
 Bank master is reference information about a financial
institution that is required to conduct business transactions
with this financial institution, such as the institution’s contact
information, offices and branches, clearing codes such as
BIC(Bank Identifier Code), and domestic clearing codes.

12.  Centralised data system with on-line, real time transactions
 Customers of bank and not just of a branch
 Anytime/anywhere banking
 Extensive use of mouse with keyboard
 Use of internet explorer.
 Multiple screen usage
 All users are tellers here
 CBS supports MIS/DSS/EIS(Management Information
System/Decision Support System/Executive Information
System)

13. CBS VERSIONS
 Present version - 1.2- from 2nd October, 2004
 Earlier versions – 1.1, 1.105 & 1.11

14. IMPACT
 With the implementation of core banking, branches will be business fronts.
 The concept of a ‘brick and mortar’ branch will steadily lose its relevance.
 With the facility of networking of branches and many delivery channels, which will
facilitate off-branch banking, physical presence of customers at branches will
diminish; so will be the number of vouchers handled at branches.
 The requirements of a branch for reports can be taken care of by a Shared
Operations Centre, for a group of branches in a particular geographical area.
 Inter-branch transactions will also reduce considerably, as there will be no need to
issue a draft or pass an entry through Branch Clearing General Account between
networked branches.

15. •A whole lot of information about the customer would be available for the front
line operator, facilitating cross selling of products
•Real time, on line information about a customer or a branch would be
available to controllers at various level

16. ARCHITECTURE
 The basic architecture of MIS of SBI is the
centralized processing.
 With Its applications and data residing at Central Data
Centre(CDC) to be located in Navi Mumbai, to which
all the branches and administrative offices are
connected.
 This type of processing has been preferred by the bank
for networking of branches, dictated by volumes and to
ensure on-line, real time MIS for decision making.
 So far, the different branches are computerizes only on
a standalone basis.

17. FEATURES OF SYSTEM
 24X7 Banking
 Anywhere Banking.
 Integration with strategic sectors
 Strengthening MIS, DSS and EIS
 Business Process Re- engineering (BPR ) enabler

18. AREAS OF ENHANCED FUNCTIONALITIES
 Core Banking will bring about connectivity between
branches , making on-line, real time transaction processing
possible.
 The customer under Core Banking would be customers of
the bank, not just the customers of a particular branch. They
can, seamlessly, transact business with the Bank wherever
they are.

19.  Facilitate Decision Support System/ Executive Information
System, greatly facilitating timely executive inputs.
 Many value added services like ATM, Internet Banking will
be available to customer.
 The solution lends itself to versatility and flexibility, even
while retaining the much needed security features

21. BANK MASTER
 Bankmaster is essentially a transaction processing software
with not much of MIS support. Core Banking would address
this vital need, apart from MIS, would facilitate Decision
Support System/ Executive Information System, greatly
facilitating timely executive inputs.
 Many value added services like ATM, Internet Banking will
be available to customer.
 While Bankmaster takes care of stand- alone computerization
of a Branch, Core Banking will bring about connectivity
between branches, making on-line, real time transaction
processing possible.

22.  The customer under Core Banking would be customers of
the bank, not just the customers of a particular branch. They
can, seamlessly, transact business with the Bank wherever
they are.
 The solution lends itself to versatility and flexibility, even
while retaining the much needed security features.

23. THANKYOU!!!!