THE

21st

CENTURY BANKING

Group Members

Ashish Gupta

Abhishek Sasan

Karamjeet Singh

Vivek Chaudhary

Zeenat Mangla

Vinay Singh

Content

Introduction

Recently in the News

Value of OMProcess ModelBPR in Banking

Introduction

Established in 1806 at Calcutta as State bank of Calcutta

It is the oldest bank of Indian Subcontinent

Largest Branch Network in India with 16000-17000

Over 25000 ATM’s

Website : www.statebankofindia.com

Deposits : % 195 billion

Revenues : US $ 12 (2009)

Total Assets : 252.25 bill till 2009

SBI accounts for almost one fifth of the Nation’s loans.

Acc. to Forbes, SBI is the 29th most reputable company in the world.

There are 13 Directors in it’s Central Board .

Shri Pratip Chaudhuri is the new Chairman

Shri S.K Bhattacharya is the managing Director of S.B.I.

Services

Domestic treasures

ATM Services

E-Pay

E-Rail

RBIEFT

Safe Deopsit Locker

Foreign inward remittances

Competitors

All Figures are rounded off domestic data

TotalDeposit

Total Advance

Net Profit

Total Assets

Branches

SBI 4355 3373 45.4 5665.7 10186

ICICI 2305 1958.7 31.1 3453.1 1400

PNB 1398.6 1990.5 20.5 1990.5 4500

HDFC 1007.7 634.3 16.0 1332.5 1412

BOB 1520.3 1067.0 14.4 1796 2800

Recently in the news

Value of Operation Management

In Banking Sector Value of Operations depend upon the product-quality as well as the service quality model

In SBI Homeostatic approach is being over the past few years and it has yielded a huge amount of profit. Thus reducing the error

Also collaboration with foreign firm, made SBI the most High Tech Bank in India following a very secured as well as a better performance matrix model than other banks.

SBI follows a 8-14 day process(For Issuing New Card)

SBI follows a 6-10 day process(For Replacement of existing Card)

SBI Product Quality, Scheduling and Design Layout is done either by it’s Zonal Offices or Special Cad. Branches

V.O.M. : Debit/ Credit Cards

Mobile Banking & it’s Pro

• Available on java enabled handsets

• Also available on SMS / GPRS / WAP on non-java handsets with GPRS connection

• SBI came up with a conclusion 79% customers do not transact through M-banking • SBI again Renovated this conclusion 21% customers transacting through M-banking , customers age ranging b/w 18-24 i.e., youth

Layout

Online in future

Offline file

now

Process – MOBILE BASED

16

Application Host- Vendor’s

WIRELESS

BC’s mobil

e phon

e

CUSTOMER

MOBILE PHONE

security checks: Mobile number & Security PIN Low cost entry for all

CURRENT STATUS

SBI Core banking

SBI Gateway

I-banking • Request for opening new account closing a/c , issuing cheque book

• Inter Bank Transfers

• Credit PPF a/c across Branches

• Online purchases

• ez-trade@sbi

• Online applications for IPO

KIOSK HOST

SBI’s GATEWAY

SBI COREBANKING

SBI BRANCHES

SBI BRANCHES

SBI BRANCHES

PC INTERNET KIOSK

BC

CUSTOMER

FINGER

DATA

VALIDATION

Process : PC- KIOSK internet based

internet

ATM Services

• With over 25,000 ATMs in India , SBI provides the largest network and is continuing to expand fast

• Includes ATMs of associate banks( namely : - SBP , SBS , SBB , SBM)

Cards Accepted at

SBI ATMs

SBI ATM cum

Debit Card All debit/credit

Cards

Cards issued

by other

banks

Layout

ATM BASED-PROCESS (Tech.)Customer registers for service

Billdesk aggregatesRegistration inform.Billdesk gives data for validationNext bill onwardsCollects data

Bill amount and Data shown toCustomer on ATM

Customer makes payment at ATM

Forms available at SBI branchesATM locations

Billdesk does all Checks and provides data formats

Billdesk does reconcilation and provides payments

SERVICE PROCESS

Process model

The HomeoStatic Model

SPC Model

OR

LCL

UCL

BPR in Banking

Manpower Re-engineeringSuch as “PARIVARTAN “ “UDAAN” “CITIZEN “

ProcessReengineering‘CBS’

Admin.Reengineri-ng Zonal Offices Turned into District Level