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GROUP NO: 7
Utkarsh Garg 121
Sangam Lalsivaraju 138
Sugandha Arora 140
Dhruv Mahajan 141
Nitish Dubey 177

2.  SBI, the largest and oldest bank in India, had computerized its
branches in the 1990s, but it was losing market share to private-
sector banks that had implemented more modern centralized
core processing systems.
 To remain competitive with its private-sector counterparts, in
2002, SBI began the largest implementation of a centralized core
system ever undertaken in the banking industry.
 The State Bank of India's objectives was to modernize core
systems which included:
1. The delivery of new product capabilities to all customers,
including those in rural areas with a provision of a single
customer view of all accounts
2. The unification of processes across the bank to realize
operational efficiencies and improve customer service
3. The ability to merge the affiliate banks into SBI
4. Support for all SBI existing products
5. Reduced customer wait times in branches
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 A new core system that could process
approximately 75 million accounts daily.
 Lack of Experience.
 Lack of Expertise.
 Core banking.
http://www.tcs.com/offerings/bancs/adver
tisements/Pages/SBI.aspx

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• SBI narrowed down the potential solutions to vendor
consortiums led by IBM ,TCS, Hewlett-Packard, Australia-based
Financial Network Services (FNS), and China Systems (for
trade finance).
• SBI favoured the real-time processing architecture of FNS's
BaNCS system over that of the IBM consortium's memo
post/batch update architecture.
• TCS would eventually purchase FNS in 2005.
• UNIX-based system to meet the scalability requirements of the
bank.
• Scalability tests were performed at HP's lab in Germany to
verify that the system was capable of meeting the bank's
scalability requirements. These tests demonstrated the
capability of TCS BaNCS to support the processing
requirements of 75 million accounts and 19 million daily
transactions.

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• The bank recently reported that business per employee
increased by 250% over the last five years.
• Implementation of the TCS BaNCS system has provided
the bank with the ability to consolidate the affiliate banks
into SBI. In fact, the bank recently completed the
consolidation of State Bank of Saurashtra into SBI.
• Deployment of more than 3,000 rural sales staff, redesign
of over 2,200 branches in the last fiscal year, opening of
more than 1,000 new branches, establishment of a call
centre, and an active plan to migrate customers to
electronic delivery channels.
http://www.tcs.com/SiteCollectionDocum
ents/TCS%20BaNCS/TCS_BaNCS_Adver
tisement_SBI_12_2011.pdf

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