What is Core Banking Solution ?

Core Banking Solution (CBS) is networking of branches, which enables Customers to operate their accounts, and avail banking services from any branch of the Bank on CBS network, regardless of where he maintains his account. The customer is no more the customer of a Branch. He becomes the Banks Customer. Thus CBS is a step towards enhancing customer convenience through Anywhere and Anytime Banking.

How shall CBS help Customers?

All CBS branches are inter-connected with each other. Therefore, Customers of CBS branches can avail various banking facilities from any other CBS branch located any where in the world. These services* are:

To make enquiries about the balance; debit or credit entries in the account. To obtain cash payment out of his account by tendering a cheque. To deposit a cheque for credit into his account. To deposit cash into the account. To deposit cheques / cash into account of some other person who has account in a CBS branch. To get statement of account. To transfer funds from his account to some other account his own or of third party, provided both accounts are in CBS branches. To obtain Demand Drafts or Bankers Cheques from any branch on CBS amount shall be online debited to his account. Customers can continue to use ATMs and other Delivery Channels, which are also interfaced with CBS platform. All these aim to provide convenient, efficient, and high quality banking experience to the customers, comparable to world class standards

What are other benefits to the Customers ?

A CBS branch is like a Sales & Service Delivery Center. Back office processes/activities are handled through technology at some other site, called Data Center. Branch, therefore, has more time for serving customers. This improves the quality and efficiency of the services rendered and the customer is directly benefited by way of satisfying and happy banking experience. Since a CBS branch is essentially designed to focus on customer-interface and customer service, the special lay-out and ambience of the branch is made to provide a convenient and delightful banking experience. The Customer Service Representatives / Executives at the branch are specially trained to understand, facilitate and deliver banking services efficiently and effectively.

Auto Bank 2000 > Solution Diagram Head Office Diagram

Branch Diagram:

Core Banking Salient Features

Our Core Banking Solution (AutoBank Enterprise) has been developed keeping the co-operative banking sector in mind. Since we provide solutions exclusively in this sector only we have better understanding of different ways in which Co-operative Banks work as against Scheduled and Private banks.

Some of main features:

Centralized Processes: Many processes are centralized at the HO level where the servers are hosted.

a. Open Day and Close Day b. Interest Applications c. Charges Application d. Backup / Restore e. Customer Communication printouts like reminders/ statements etc. f. Loand And Advances accounts follow up
Branch Identity: Our solution has a unique feature of branch identity. Since in major core banking solutions

individual branch looses its identity, in our solution it is possible to take our individual branch Balance Sheet and Profit and Loss every day

Reporting: All reporting is centralized. All branches do not have to send any report to Head Office. It is possible to

take out all reports at Head Office for any branch.

Platform Independent Solution: AutoBank Enterprise works on Oracle and since Oracle is available on all major

platforms (Windows, Linux, Unix) it is possible to adopt any platform and also on the client side it is possible to have Windows, Linux or Thin clients.
Easy Upgrade: We provide easy upgrade facility for our existing AutoBank (Dos and Windows) users, with complete

support, training and guidance.

Multi-Delivery Channels: As may be seen in the diagram software supports multi delivery channels like :

a. Mobile Phones (Mobile Banking) b. Standard Telephone (Tele Banking) c. Browser and Email ( Internet Banking) d. Remote Terminals (Remote Banking) e. ATM f. Lobby ATM g. Touch Screen Terminals
On-Time Alerts: One of the unique features of this software is the One-Time Alerts. In this age of mobile phones,

we provide alerts on the mobiles under following three different conditions:

a. Happening of Events: The software can be configured to handle any number of events and the targets can be one or a group of mobile phones (of customers or bank officers). For Example, a customer can get alert if there is a major transaction of any type (Cash or Transfer) in his account. An officer of general manager will get alert on his mobile if there is a TOD happening in any account in any branch. b. Broad Casting: In this case bank is able to broadcast standard or customized message to one or more account holders. For Example, deposits getting due for maturity, Loan Installment getting due, Documents getting due for renewal etc. c. Pulling Information: under this condition the client can pull information required for his account like: Balance, Mini Statement, debit cheques effecting today, interest rates, etc.

Security:
The security has been enhanced to the required level with following main features. 1. Database Security: Oracle provides one of the best security in the industry for databases. 2. Communication Security: All communication between clients and Servers are encrypted using 128 bit or higher level encryption. 3. Application Level Security: We provide one of the best Application Level Security with standard features like:

a. Maker and Checker concept b. Users Levels and configurable rights c. Individual User can also be further configured for rights d. Dual Access Control parameters

e. Complete Audit trail of all transactions and changes happening on the database. f. Terminal Level Security: Only configured terminals can be allowed access to all or specified modules of the software

Special Report Writer:

We have designed special report writer which facilitates bank in developing Ad-hoc reports as and when required. This allows them to feed all details at the time of Audit or RBI inspection. Not only this but this ad-hoc reports can be saved for use in future as standard report templates. This report writer can give report on following main area. 1. Balance Sheet, Profit and Loss and General Ledger level. 2. Sub Ledger Level 3. NPA 4. Graphical Reporting 5. Ratios 6. Any other type adhoc report These reports are available for any period or for comparative period and for all branches combined or for any particular branch

Available Modules of AutoBank :

Branch Office Modules General Ledger with B/s and P&L All Sub ledgers - Savings, Current, Advances. All Deposits, Cumulative, Non Cumulative, Open Maturity, Automatic renewal, Cash Certificates, Monthly Interest and Recurring Deposits Clearing Inward/Outward, National Security and Audit Trail MIS and RBI Reports IBC/OBC Branch/Bank Reconciliation Officer's Checking and Authorization Module Suspense Account Maintenance and Pay orders Daily Deposits Drafts and Remittances Signature Storage and Retrieval Cashiers Module Customer Enquiry Window NPA (Subject to certain rules) Head Office Modules Branch Consolidations for Daily Balance Sheet/P & L, Inward Clearing Module, Generates branch wise report and Outward Clearing, Form No. 1 and 9, MIS Reports for Branch floppy for direct debit at branch wise/ Total, Balance Sheet Reporting Payroll and Staff Loans Inter Branch Transfer Module, Operates like Clearing House District Bank Statistical Reporting for branches Share Accounting and Shakh Reporting Suit files Locker Modules Extra Advance Banking Modules Fax On Demand Customer Remote Terminal Internet Banking Centralized Server Banking Touch Screen Terminal Nabard (Gramin Bank) Module Assets Management Module Tele Banking SMS/Mobile Banking Inter-Branch Any Where Banking Core Banking ATM Software PIN Implementation Customer Relationship Module

Easy Interface with Fax- Modem MICR Encoder Scanner Punch Card Machine Pass Book Printer & Line Printer ATM Machine Digital / Web Camera Touch Screen Machine

Support Network Details Vadodara Bharuch Anand, Nadiad Visnagar, Vadnagar Jamnagar, Rajkot Junagadh Himmatnagar Gujarat Network 3 Ahmedabad 1 Surat 3 Godhra, Dahod 2 Mahesana 2 Bhavnagar 1 Surendranagar 2 Modasa General Features ISO 9001:2000 Certified Y2K Compliant Bugs Free & User Friendly All Factors Covered with 675+ Reports Continues Devp. & Version Upgrade 75+Experts for Develop & Support Major Kind of Old Data Transfer Facility Highest installation in Co-Op. Sector Speed and Accuracy 0% Failure Software Specific Co-Operative Banking Covered All Updates By RBI Covered CISA Audited Advanced Security Local Support at All Centers Online Help & User Manual 17 Years Stability Unlimited onsite Training Single Window Operating Facility Fully Parameterized & Support Free Training Center Facility 25% Clients Switched over From Others RBI & TDS Forms Module Covered Low Cost Solution & Minor Maintenance 18 1 3 2 1 1 1 Rajasthan Network Kota Sirohi Jaipur Jodhpur Jhalore Bhavanimandi Bundi 1 1 1 1 1 1 1

Services and Support:

We provide following services and support in addition to our standard Banking Solutions:
Customization: We provide all minor customization and some additional reports free of cost in the first year and also

in subsequent years under Maintenance Contract

Training and Implementation: We have standard training sessions designed to upgrade your staff in Computer

Knowledge and Banking Software knowledge. We provide complete implementation support from end to end.
Data Migration Support: We provide data migration services from any existing software to our software. Since we

have done conversion from many vendors to our software we are confident of almost 100% conversion of data.
Post Implementation: We provide post implementation support on site. Our on site support has been almost the

best in the industry and therefore we have major market share in Gujarat and Rajasthan.
Total Solution Approach: we are able to provide total solution approach by providing following services

a. Network Design and Implementation (LAN and WAN) b. Banking Software c. Complete Hardware including UPS d. Training e. Post Implementation Support f. Annual Maintenance of Hardware, Software, UPS g. Consulting

Change Management
Recently we have implemented stringent controls on Change Management (Changes in the software functioning). We have implemented procedures for handling typical smaller and core changes in the requirements of the bank. Post changes Quality Check has also improved a lot. The procedure is described below.