MIS IN Sbi
- 1. A Study on MIS in Banking Sector
- 2. SBI • SBI is the oldest commercial bank in India & one of the Largest banks on earth in terms of branches, accounts etc • The group has number of Associate companies & Subsidiaries, As of today it has assets more than 27 Lakh Crores • SBI branch manager in Tenali, Mr Sridhar , Thanks to the manager for taking his valuable time out & helping me in the study process
- 3. • As explained by the manager , SBI took an initiative to automate all the branches in mid 90`s and computerized all branches by 2005 with the help of Kindle Bank master . • TCS is providing software for SBI to implement centralized trade finance system & The company is using SAP ERP to the needs of HCM and CRM processes. • SBI`s TPS records all Personal Banking related day to day transactions which includes Cash Deposits , Loan Applications for Homes , Education , Vehicular Financing etc
- 4. • SBI`s software details; Main Software – TCS BaNCS , Programming Language- COBOL, .NET on front end , Database – Oracle 9i • SBI`s ATMs were connected to the Bankmaster branch system via a gateway PC, and ATM transactions were posted at the end of each day to Bankmaster. • The branch records all transactions under the corporate sector & bank transactions under agricultural & rural sector( which includes Farmers loans , Micro finance detail, rural bank accounts)seperately. • The bank manager must diligently analyze all the information and decide how much credit can be given to a particular company , party etc
- 5. • Other reports like List of defaulted loan repayments , Non moving accounts , Delays in crediting cheques etc • SBI adopts real time banking i.e in many circumstances the primary factor is speed ,For example when a customer withdraws a sum of money from his/her account ,the transactions are processed and the account balance is updated as soon as possible allowing both the bank and customer to keep track of funds in real time. • SBI allows the customer the option of online complaints ,when the customer submits the online complaint it is processed by Customer Service TPS to the concerned branch
- 6. • All the records of customers are stored in main server of SBI ,so incase if someone account balance is getting near to zero,the system automatically alert the customer & concerned branch about that. • For online transactions , the process will be Input-Concerned branch code, city name, Account title & amount of transaction. This information will send to organization server and funds will be transferred. As required.