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GROUP 5Arpit KulshreshthaPeeyush Mittal
Sukhvinder SinghDeoganRohit GhoshRishi Malhotra
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OVERV E! O" #A$K $G
SE%&OR
Over the ne't de(ade) the*anking se(tor is pro+e(tedto (reate up
to t,o -illionne, +o*s
#ank deposits have gro,n ata (o-pound annual gro,thrate .%AGR/
o0 1231 per (entover "4 67283 &otal depositsin "428 ,ere US9
2)1:;38*illion3
&he ndian #anking industry is (urrently ,orth Rs3 81
trillion.US 9 2382 trillion/
&he ndian *anking se(tor (onsists o0 26 pu*li( se(tor*anks)
20 private se(tor *anks and 43 0oreign *anks along,ith 61 regional
rural *anks .RR#s/ and -ore than90,000 (redit (ooperatives3
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$A&URE O" A%& V & ES A$DSERV %ES PROV DED
%orporate and personal *anking3ndustrial Bnan(e and Agri(ultural
Bnan(e3
"inan(ing o0 trade and nternational *anking3
nternet *anking servi(es to the (usto-ers like *ooking
o0ti(kets) pay-ent o0 *ills o0 utilities) pur(hase o0
airlineti(kets et(3P$# provides its (usto-ers online assistan(e *y
providingi@*anking) online (o-plaints) providing the-
in0or-ation
a*out various produ(ts and servi(es3 &he *ank has also
entered the (redit (ard C de*it (ard*usiness *ullion *usiness li0e
and non@li0e insuran(e*usiness Gold (oins C asset -anage-ents
*usiness et(3Various Mer(hant #anking a(tivities and !ealth
-anage-ent servi(es are also provided *y the *ank to
its(lients3
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% A>>E$GES "A%ED #4 P$#Manual pro(esses o0 (olle(ting)
storing) andanalysing *usiness data ,hi(h ,ere (ostly3
ts retail *ran(hes ,ere not (onne(ted and it ,asdi (ult 0or
-anage-ent to understand *usiness
drivers and i-pedi-ents3 &he *ank used seven diFerent
so0t,are) ,hi(hran on 28 diFerent avors o0 U$ H) onstandalone P%s3
&he 5
odd *ran(hes ,ere not net,orked and only 85per(ent o0 the *ankIs
*usiness ,as (o-puteri?ed3 &he overall e'pertise in & a-ong
users ,as lo,
&he %entral Vigilan(e %o--ission .%V%/ issued adire(tive to
the *ank to (o-puteri?e at least :per(ent o0 its *usiness
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DiFerent Uni' OS used in diFerent
*ran(hes3DiFerent standalone Bnan(ial appli(ations on P%s at
diFerent *ran(hes3>a(k o0 interopera*ility due to disparity
in syste-s3>i-ited e'pertise on the so0t,are
pa(kages(urrently deployed3Most *ran(hes did not have a proper
>A$ inpla(e3
Various 0a(tors ,hi(h (aused a *arrier ini-ple-enting an
n0or-ation Syste- 0or (entrali?ed *anking ,ereJ
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P$# pur(hased servers) se(urity in0rastru(ture)and storage e
uip-ent and
de(ided to house it in its data(enters3 A lot o0
in0rastru(ture0ro- %is(o has *een used3
&he adoption o0 %ore #anking Solution ensuredStandardi?ation
o0 produ(ts3Ena*led ui(k laun(h o0 the ne, and innovative
Bnan(ialprodu(ts ensuring su (ient lead ti-e to -arket it3
t oFered sea-less plat0or- 0or integrating various
su(hinitiatives and alsoredu(es the (ost o0 transa(tion) there*y
oFering Bnan(ial produ(ts at an aForda*le (ost3
&he *ank(ontinued tospread thete(hnologyto -ore o0its
*ran(hesand (enters3
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On May 27,2004,Pun+a* $ational #ank .P$#/ has introdu(ed>oans
and Advan(es Data Desk 0or Evaluations and Reports)
.>ADDER/) a (o-puteri?ed -anage-ent in0or-ation syste-0or
rationali?ation o0 returns) asset (lassiB(ation andprovisioning)
(redit -onitoring and $PA -anage-ent3
Straight to Pro(essing .S&P/ &he *iggest advantage o0
S&P is that i0 a person ,ith ana((ount in Delhi deposits a (he
ue in %hennai) his a((ount inDelhi gets updated the sa-e day3
#ank@-ateA *ilingual so0t,are ,hi(h (an generate reports in
indi and also (an get hisLher pass*ook in indi3
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RE%OMME$DA& O$S
&he *ank -ust update ard,are to get-a'i-u- per0or-an(e 0ro-
n0or-ationSyste-s in order to allo, the S to pro(ure theleast
a-ount o0 syste- resour(es it re uires0or 0un(tioning3
&he *ank should update all their so0t,are)net,orks et(3 to
keep in0or-ation syste- upto date 0or (o-petitive edge)
(usto-ersatis0a(tion3
Steps should *e taken to in(rease the sa0ety Cto avoid the
unethi(al pra(ti(es like phishing3$eed 0or i-proved training 0or
using
n0or-ation &e(hnology and tools toe-ployees3
ntra Br- (o--uni(ation should *e i-proved3
