Core Banking

any place is a banking place

TM

Globalization, mergers and acquisitions, de-regulation, and diversification of the financial services industry have profound implications on banks today. High on their priorities are scalability to manage large volumes of transactions, agility to embrace change, flexibility to create the right products, and adoption of integrated, multiple delivery channels. Added to this is the challenge of catering to multiple customer segments, while maintaining an efficient cost structure all that would combine to empower a bank with a strong competitive advantage. Tata Consultancy Services (TCS), through its core banking solution from TCS BaNCS, can help your bank enhance its portfolio of offerings by configuring and managing the entire banking process lifecycle, from origination to servicing, across multiple channels. A market-ready universal financial platform, each solution in the TCS BaNCS suite runs as a scalable, robust component, fully integrated with existing business models, and enterprise and technology infrastructures. TCS BaNCS product strategy is geared towards delivering unique value proposition to customers including:
n Improved return on investment and reduced total cost of ownership n Standardized and simple processes with high levels of automation and enhanced

efficiency
n Organic and inorganic growth with matched performance and scalability n Flexibility and high level of configurability supporting a variety of banking models

from the same solution

n Ease of integration with in-built service integration capabilities supporting a

multitude of 'out-of-the-box' messaging standards and formats

Adaptive, Scalable and Fit-for-purpose Technology Overview

We, at TCS, continue to see increased convergence of financial services, offering a 360 view of customers to the bank and vice versa. There is a definite trend towards adopting modern technologies, best-in-class components, and their seamless integration in an SOA-enabled infrastructure. Sales and service orientation, product configuration, bundling and differential pricing are gaining importance, with banks focusing on growth, after a period in which the business thrust was on operational excellence and cost management. Banks understand the need to integrate enterprisewide information and move away from silos to improve risk management, reduce credit risk, and measure performance. As a result, there is an increased need for a comprehensive, cost-effective, integrated banking solution that can provide evolving technology choices, with minimal disruption to processing and services, while also offering risk management and compliance tools and capabilities. Turning our technology to your advantage, the core banking solution from TCS BaNCS automates every aspect of your bank's operation by integrating front-, middle-, and back-office processes in real-time. Our solution supports multi-entity, multi-lingual, and multi-currency operations, at scalable transaction volumes, with flexible configuration features. The solution offers unparalleled value with a low Total Cost of Ownership (TCO), as it can be installed as a complete package, or deployed in extensible modules completely integrated with existing legacy systems, as per the footprint and needs of your financial institution. Our core banking solution is a highly adaptive and scalable platform that supports institutions of every operational size and complexity, including banks with the largest customer base in the world, having over 260 million accounts and micro-lenders with more than 5.5 million accounts.

To provide our services and products according to our customers needs, we transferred our systems to support a single view of the customer. We consolidated data so that users get information on the account l evel or the product level, but also from wealth management and the lending side of the bank. When a customer comes in, you can type the account number, and you get all of the major information about that customer. Some information we can aggregate using batch processes, but other information is real-time and for that we need data from TCS BaNCS.
Josephine Yang, Senior Vice-President, Consumer Banking System Division, Taishin Bank

Benefits
The core banking solution from TCS BaNCS supports commercial, retail and Islamic banking, microfinance, factoring, and wealth management processes. Benefits that banks can derive from the solution may be outlined in terms of:
n Growth (Unique Positioning) - Customers have

experienced enhanced presence within their target markets. For example, our customers in Taiwan have been able to realize significant business benefits following the implementation of our solutions. These benefits range from TCO savings in excess of 48%, ROI within 2.5 years, and nine-fold improvement in back-office to front-office operational efficiencies
n Speed and Cost-to-market - Provide customers

This expansion can be done in a timely manner without disruption to the systems operations and, most importantly, software modification is not required. Simplification of technology and operations, and superior performance, results in significant reductions in TCO as experienced by many of our clients. For example, one of our customers experienced TCO reductions greater than 50% following the implementation of the core banking solution from TCS BaNCS
n Centralized Customer Information Facility and

with a state-of-the-art solution for the immediate term while allowing for continued expandability in the future
n Reduced TCO and Investment Protection - The

Risk Management - The Customer Information Facility embodying Customer Relationship Management offers a consistent view of customer data and a common set of services to all products as well as external systems. It manages all known relationships with any given customer, including company and family affiliations. It is this capability that enables comprehensive enterprise-wide risk management The value of TCS as a partner for financial institutions is the culmination of TCS highly skilled resources, extensive industry knowledge, relevant local experience, and the core banking integrated product suite from TCS BaNCS. This combination presents a unique and proven solution for financial institutions and one that mitigates significant risk in undertaking even the most complex projects.

design and modularity of the TCS BaNCS solution protects customers initial investments by ensuring that it can scale up and support the customers growth plans. As the breadth and depth of requirements expand, and the business grows in volume and complexity, and as increasing levels of automation are required, the extra processing power and banking functionality can be provided incrementally

With TCS BNCS, we have all of the information in one place, and bringing in new products involves just setting parameters without programming for the faster implementation of new products. TCS BaNCS is really customer-oriented. With the parameterization of new products and processes, weve been able to move from being programmers to being technologists.
Janja Zabjek Dolinsek, R&D General Manager - IT in Nova Ljubljanska Banka, Slovenia (NLB)

Branch Channel

Internet

Mobile Channel

ATM, Kiosk

IVRS/Contact Centre

Sales & Service Components Product Catalog Prospect Mgt. Campaign Mgt. Distribution Mgt. Origination Service Relationship Mgt.

Advisory Services Financial Planning Portfolio Mgt. Order Mgt.

Third Party Solutions Layer System Integration Layer Business Components Account. Mgt. Remittance & Cheques Trade Finance Payments/ Transfers Securities Trading Liquidity Mgt Securities Admin. AML & Anti-Fraud

Loans Money Market

Deposits

THIRD PARTY SOLUTIONS

THIRD PARTY SOLUTIONS

FOREX

Limit Mgt.

New Issues / IPO

Core Services Customer Info Product Configuration Limits & Collateral Transaction Processor Financial Accounting

Pricing

Parameters

Bundling

Architecture Foundation Services Reports Workflow Alerts & Notification User Mgt. Security Mgt. Audit Exception Mgt. Log & Diagnostics

An overview of the core banking solution

The solution from TCS was deployed in a record time of six months from start to pilot. Already 500 branches have gone live in less than 1 yearwe are very proud to be associated with TCS Financial Solutions. The CBS implementation, in a record time would not have happened but for the very hard work put in by all the TCS people.
Dr. K.C. Chakraborty, Indian Bank

Features
TCS BaNCS is designed around a parameterized (business component) model and is specifically enabled to service the business objectives of customers, products, and accounts. The strategy adopted for the solution helps create and use business processes packaged as services, and facilitates the application to exchange information and participate in business processes. It enables a more agile, flexible and standardized solution, which is designed, developed and deployed covering all the business functionality scattered across IT systems in a banking environment.

State Bank of India State Bank of India (SBI), with its associate banks, is Indias largest bank servicing over 280 million customer accounts and 50 with a banking network of over 18,400 branches across the urban and rural landscape, including 25,000 ATMs. SBI wanted to widen the scope of servicing its customers by providing banking solutions anytime and anywhere rather than being restricted to a single bank branch. To achieve this, SBI required a unified technology platform that would consolidate the banking services. Tata Consultancy Services implemented the core banking solution from TCS BaNCS, which provides for multi-entity, multi-currency and multi-language operation based on international messaging standards. This state-of-the-art architecture provided SBI with unprecedented scalability, fault resilience and business continuity. Enabling them to integrate and centralize their customer base across the country. As one of the worlds fastest growing technology and business solutions providers, TCS played the dual role of technology partner and innovative solutions provider, thereby, helping SBI infuse a superior technology into mass banking to provide consistent service levels. Also enhancing customers satisfaction by providing them with a true 24x7 multi-channel banking service on the worlds largest homogenous banking network. At present, SBI effectively runs 65 million transactions per day, with 2,000 peak TPS. Lab tests reveal 10,000 plus online transactions per second, and batch processing of 500 million accounts in an hour.

 TCS BaNCS provides Bank Negara Indonesia with a comprehensive, openly integrated core banking solution that assists to drive customer growth and enhances new product development.
Wisnu Wardana, Chief Information Officer, Bank Negara Indonesia

The core banking solution from TCS BaNCS offers

n Complete coverage of lines-of-business: Covers deposits, loan origination and servicing, payments,

treasury management, trade finance, and cards, with functional depth and market-tested reliability
n Multi-channel integration: Provides a consistent customer experience across multiple channels with total

visibility to the banks servicing agents, enabling banking anywhere anytime

n Single view of the customer and the bank: Provides a comprehensive view of customer activities

across lines of business and access channels, as well as a single view of the banks products and services to the customer Ease of Integration: Provides built-in service integrator layer to easily integrate with external systems. n This can be done using Web Service, MQ, JMS, http, ftp or any other industry standard protocol

Benchmarks: TCS BaNCS

n The core banking solution from TCS BaNCS on HP Integrity servers delivered outstanding benchmark

results for one of the worlds largest retail banks, with online throughput at 10,716 transactions per second (TPS) and end-of-month interest capitalization process conducted in 58 minutes and 47 seconds
n The core banking solution from TCS BaNCS displayed high scalability using target volumes on the IBM

mainframe. For Online Transaction Processing (OLTP), the highest average TPS achieved (using full configuration) was 9,445 TPS with an average CPU utilization of 88.6%. The benchmark was conducted for one of the largest banks in China

Why TCS BaNCS

The TCS BaNCS product suite for banking, capital markets and insurance enables business transformation in financial services. Increasing operational efficiency and helping financial institutions stay agile, our solutions deliver a competitive edge with unmatched certainty. We aspire to be better than established benchmarks, which is why we have embedded an Alpha (), representing superior returns delivered to our customers, consciously and prominently within our brand. The plug and play, component-based product suite consistently turns in impressive benchmark results, with a fine-tuned, highly scalable technology architecture that supports financial institutions with the highest capacities for transaction volumes, peak transactions per second, and transaction history size. With such a track record, it is only natural that the TCS BaNCS product suite can help financial institutions of any size gain a distinct, competitive edge.

Contact
To know how we can help you innovate, transform and experience certainty through our Core Banking solution, connect with us at www.tcs.com/bancs or email us at tcs.bancs@tcs.com

About Tata Consultancy Services Ltd (TCS) Tata Consultancy Services is an IT services, consulting and business solutions organization that delivers real results to global business, ensuring a level of certainty no other firm can match. TCS offers a consulting-led, integrated portfolio of IT and IT-enabled infrastructure, engineering and assurance services. This is delivered through its unique Global Network Delivery ModelTM, recognized as the benchmark of excellence in software development. A part of the Tata Group, Indias largest industrial conglomerate, TCS has a global footprint and is listed on the National Stock Exchange and Bombay Stock Exchange in India. For more information, visit us at www.tcs.com

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