PPT GM MEET OCT 11

eBusinessFebruary 22, 2011

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Oct.2011

e-Business from corporates

and SME perspective

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Engines of e-Engines of e-Biz…Biz…

• ATMs

•Debit Cards/ Visa platinum

•Baroda Connect :Net Banking

•M-Connect (Mobile Banking)

•Baroda e-Gateway (Internet Payment Gateway)

•Phone Banking

• NEFT/ RTGS/ECS/NECS

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Engines of e-Engines of e-Biz…Biz…

•Depository Services

•Gold Coins

•Baroda Cash Management Services

•SMS Gateway

•Branch Automation - QMS/CDM

•Pre-paid Gift Cards

•CRIS Railway freight payment

•Contact Centers at Lucknow & Baroda (Lucknow Contact Centre functioning w.e.f. 18/08/11)

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Components to follow…Components to follow…• Other variants of Pre-paid cards like travel card, student card etc.

ATMs – NEFT, Biometric features, Mini-statement/ PIN change other bank ATM’s,

• Maestro/ gold debit cards

• Online recharge of mobiles, Tata Sky, cinema tickets etc directly from BOB web site.

• Branch/ATMs location tags on Google Map

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Where we stand … Where we stand …

Channel Txns, Average per dayMarch,10 March 11 Sept 11

ATM - Our cust/ our ATM 1,77,591 1,65,592

- Other bank cust our ATM

2,50,762 1,72,899 1,66,529

( - Out cust/ other ATM) 1,31,776 1,73,487

Baroda Connect 7,270 12,119 13,413

Mobile banking -- -- 1900

Total ADC Txns 3,62,609 3,45,534

RTGS- Inward 4.774 5,793 4,910

-Outward 6,516 7,235 6,632

NEFT- Inward 7,674 17,035 18,722

-Outward 3,105 8,015 8,684

ECS 21,147 37,268 51,118

NECS 8,484 7,958

BCMS 2000 3700

Total for e-transactions 3,01,248 4,49,237 4,44,363

Customer induced - Finacle Txn’s

9,45,008

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Avenues for non-int Avenues for non-int income…income…

Revenue Channel

Profit (Mar,11)

(Rs. In Crs.)

Interchange (Debit cards)- Paid 6.26

Master/VISA earning 2.28

-POS earning

5.13

Debit card annual/ renewal charges

@Rs.100/- pa

Payment Gateway (MDR) 0.03

Gold coins- Net profit 9.23

RTGS 6.29

NEFT 0.73

BCMS 0.38

Demat 1.76

Govt. Business @25 per txn @Rs.25/- txn

e-Shoppe 0.22

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ATM/ Debit card – what we can do…ATM/ Debit card – what we can do…

• Cash withdrawal/balance enquiry/password change• Direct Tax payment (Automated Tax Machine)• School Fee payment• Mobile Number registration• Mobile Banking registration – Zone-wise Roll out• Shopping/ ticketing through internet (CNP txns)• Use at POS (Interchange)• International usage • CVV enabled • Earn while you spend• Card not renewed - if no txns for 6 months. • ATM cash withdrawal limit : Rs.15,000 per txn/ 25,000/- per day• & POS limit : Rs.40,000/- per day.

Baroda Connect ….Baroda Connect …. …Country wide launch on 14.09.2006

…Users and linked accounts as on 30.06.2011 (Fig in lacs)

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No. of Users No. of Linked accounts

Retail 4.83 15.12

Corporate 1.46 9.24

Total 6.29 24.36

Finacle / CBS Baroda Connect

Retail Customer 228.56 4.83

Corporate Customer

24.95 1.46

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• Round the Clock any where online banking.

• Online fund transfer within BOB & to other Bank (NEFT24X7, RTGS).• FREE Direct / Indirect tax payment and instant TAX receipt.• FREE online RAIL / AIR ticket booking.• FREE Online subscription of IPO/FPO/Right issue through ASBA.• For issue of Cheque book .• FREE Bill presentment | Bill Payment | On line Shopping | Receive and view bills online |

Alert on pending bills.• FREE on line fees payment of more than 125 Schools & Institutions.

E_Biz_230611_260611\Institutional fee140611\INSTITUTION_FEE_COLLECTION_CBS_OperationManual.pdf

• FREE online Temple Donation.• FREE Mobile Alerts of Debit and Credit transactions.• Statement can be downloaded in Excel, PDF …• Various similar account can be nick-named for view purpose• Corporate txn limit increase - process simplified• AS26- Online tax payment view• Each user can be separately registered in corporate module for OTP alerts.

Baroda connect…what we offer…Baroda connect…what we offer…

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Sale of GOLD CoinsSale of GOLD Coins

• Sale of Gold coins launched on 23.10.2007

• Target for 2011-12 - 1500 Kg. and Profit Rs.15/- Crores

Particulars 31/03/11 (Annual)

30/06/11

Gold Coins Sold (Kg)

730.01 226.21

Profit Earned(Rs. In Cr)

9.23 3.19

No. of POS (cumulative)

1533 1545

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eeBusiness Business Baroda M-Connect …Banking in

pocket..

FEATURES:

• All India launch – 31/05/2011• All hand sets supported (except i-phone)• SMS/GPRS enabled• IMPS to be enabled – huge potential from receiving end• Simple process of registration through ATM

FUNCTIONS SUPPORTED:

• Account enquiry and funds transfer (NEFT)• Service requests • Payment services, air/ movie tickets• Other services

• Our Bank is Pioneer amongst PSU banks• Facilitate merchant to sell products online and collect

funds from consumer securely.• Merchant should have a website to showcase their

product and Bank shall arrange setting up of payment infrastructure

• Interface between merchant and consumer for secured payment using Credit/Debit Card.

• Highly secured – All Card details are encrypted to safeguard the interest of consumer.

• Payment to merchant is given on the next working day in the designated account

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Baroda e-Baroda e-Gateway (IPG)Gateway (IPG)

• Target Group:

– Tours/ Travel operators

– Hotels

– Educational institutions

– Online retailers.

– Garment/Designer clothing companies

– Govt/Non-Govt organisations.

– Utility payments

• Bank charges the merchant with:

– Setup Fee

– Merchant Discount Rate (MDR) @2.5%

– Security Deposit

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Baroda e-Baroda e-Gateway (IPG)Gateway (IPG)

• Started commercial operation in July 2010• 105+ merchants till Oct.2011 • Monthly turnover of around 2 crores• No pending refund, chargeback or claim • Up-to-date accounting & reconciliation

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Baroda e-Baroda e-Gateway (IPG)…Gateway (IPG)…

eeBusiness : Cash Management Business : Cash Management ServicesServices

BARODA CASH MANAGEMENT SERVICESBARODA CASH MANAGEMENT SERVICES(BCMS)(BCMS)

Funds Management System for corporate and SME customer providing functionalities of —

Collection Payment

Liquidity Management


COLLECTION MODULECOLLECTION MODULE


PAYMENT MODULEPAYMENT MODULE


LIQUIDITY MANAGEMENT MODULELIQUIDITY MANAGEMENT MODULE

Sweeping facility – pooling of funds in concentration account

Reverse sweep- funding different accounts through Concentration account at specified time (Beginning of Day).

25th October 2011


BENEFITSBENEFITS Handles transactions in large volumes. Provides detailed MIS reports to the customer. Tracks instruments deposited and payments effected end to end. Quick realization of receivables and processing of payables Helps customer in management of funds by Cash forecasting and scheduling Helps better accounting and reconciliation Transactions are captured with Additional details


Collection Module (Paper Based)Collection Module (Paper Based)

1.4.2010 to 31.3.2011

1.4.2011 TO 30.9.2011

No..

Product No. of txns

Amount No. of txns

Amount

1. Local Clearing

25 k 393.70 13 k 290.78

2. House Cheques

1 k 11.26 1 k 2.04

TOTAL 26 k 404.96 14 k 292.82

(Rs. in crores)


Collection ModuleCollection Module (DDI Mandate)(DDI Mandate)

1.4.2010 to 31.3.2011 1.4.2011 to 30.9.2011

No. of txns Amount (Rs.Cr)

No. of txns Amount (Rs.in Cr)

2.27 Lacs 643.73 1.81 Lacs 379.16

Total Mandate for DDI Collection registered up to 30.09.2011 is 82113.

Mandate registered during September 2011 — 10412


Collection Module (Paper less transactions)Collection Module (Paper less transactions)

Name of the customers availing Paperless Collection Module

(DDI Collection)

1. M/s. Hindustan Unilever Ltd.2. M/s. Tata Motors Ltd.3. M/s. Tata Capital Ltd.4. M/s. Fullerton India Credit Ltd.5. M/s. Tech Process Solutions Ltd.6. M/s. Bajaj Auto Finance Ltd.7. M/s. Bajaj Finance Ltd.8. M/s. Bajaj Finserv Lending 9. M/s. India First Life Insurance Ltd.10.M/s. Reliance Mutual Fund

25th October 2011


Collection Module is launched at following Service Branches:-

No.

Name of the Service Branch Starting date

1 Ahmedabad 16.07.2009

2 Lucknow 05.11.2009

3 Varanasi 09.11.2009

4 Baroda 16.11.2009

5 Surat 17.11.2009

6 Pune 23.11.2009

7 Jaipur 26.11.2009

8 Chennai 02.12.2009

9 Hyderabad 21.12.2009

10 Bangalore 11.01.2010

11 New Delhi 30.03.2011

Collection Module (Paper Based)Collection Module (Paper Based)

25th October 2011


Collection Module (Paper less transactions)Collection Module (Paper less transactions)

Name of the customers availing Paperless Collection Module

(DDI Collection)

1. M/s. Hindustan Unilever Ltd.2. M/s. Tata Motors Ltd.3. M/s. Tata Capital Ltd.4. M/s. Fullerton India Credit Ltd.5. M/s. Tech Process Solutions Ltd.6. M/s. Bajaj Auto Finance Ltd.7. M/s. Bajaj Finance Ltd.8. M/s. Bajaj Finserv Lending 9. M/s. India First Life Insurance Ltd.10.M/s. Reliance Mutual Fund

25th October 2011


Collection Module (Paper Based)Collection Module (Paper Based)The Collection Module in BCMS (for local clearing) is

started w.e.f. 17.02.2009 at COH, Mumbai.

Name of the customers availing Paper Based Products – Collection Module

1. Siyaram Silk Mills Ltd.2. SES Technologies Ltd.3. Gujarat State Fertilizer Corporation (GSFC)4. Vimal Oils & Products Ltd. 5. Heritage Hospitals Ltd.6. Vinayak Bajaj7. Bhima Steel and Cement Corporation8. Mitra Agencies9. JVL Agro Industries Ltd.10. Orange Auto Pvt. Ltd.11. Prabha Traders Silk Sarees Ltd.12. Varun Motors Pvt. Ltd.13. SJMC Hospital


Payment Module….contdPayment Module….contd

1.4.2010 to 31.3.2011 1.4.2011 to 30.9.2011

S. Product No. of Txns Amount No. of Txns Amount

1. IFT 495 k 1003.74 194 k 483.44

2. NEFT 251 k 327.01 120 k 216.61

3. RTGS 9 k 8647.04 3 k 959.87

TOTAL 755 k 9977.79 317 k 1659.92

(Rs. in crores)

25th October 2011


Payment Module….contdPayment Module….contdName of the customers availing Electronic Products –

Payment Module(Paperless transactions)

1. Aegis Logistics Ltd.2. AWMH Maharashtra3. Birla Sun-Life Asset Mgmt Co. Ltd.4. Bobcards Ltd.5. Calchem India Ltd.6. Centre for Advanced Research & Training 7. Choksi Imaging Ltd.8. Contractor Nayak & Kishnadwala9. Damodar Threads10. Graham Flow Pack P. Ltd.11. GTL Infrastructure Ltd.12. India First Life Insurance 13. Jaimurti Mineral & Chemical Ltd.14. Jenburkt Pharmaceuticals Ltd.15. Life Insurance Corporation (3 Branches)16. Maharashtra State Electric Distribution Co Ltd. (Kalyan Division)

25th October 2011


17. Manisha Pharma18. Ministry of Health & Family Welfare (MHFW)19. Municipal Commissioner, Jabalpur20. Municipal Corporation, Jabalpur21. Nandan Impex Ltd.22. Nandan Petro Chem Ltd.23. National Insurance Co. Ltd. (2 Branches)24. Nutrahelix Biotech Pvt. Ltd.25. Oriental Insurance Co. Ltd. 26. Railway North West – Ajmer27. Railway Workshop - Ajmer28. Rajasthan State Aids Control Society29. Rajasthan State Health Society30. Reliance Capital Asset Mgmt Ltd.31. Sarbasiksha Mission West Bengal – Kolkata32. SBI Funds Mgmt. Pvt. Ltd.33. Shri Kutchi Jain Gurjar Samaj, Matunga34. Special District Social Welfare, Thane35. Triton Communication P. Ltd.36. Weizmann Forex Ltd.

Payment Module….contdPayment Module….contd

25th October 2011


BCMS OFFERS – INTERNET FACILITIESBCMS OFFERS – INTERNET FACILITIES

Front-end provided to customer for payment initiation.

Customer will be provided with user-ids, who can create, view, modify transactions.

Various Payment and collection Reports will be downloaded by customer . E.g. Instrument Status report, Payment due report, details of cheque collection report.

25th October 2011


REPORT ENGINEREPORT ENGINE

Basically three types of reports MIS Reports Fund Forecasting Report Reconciliation Reports (Baroda CMS provides reports in customized formats with “enrichment details” Reports can be provided in TXT, XLS, PDF, CSV, RTF and HTML file formats)

25th October 2011


Charge calculation method can be based on Amount Count of Instruments

Flexible charge definition at various levels like customer level, product level, location level is possible.

To lure and attract our Corporate Clients, competitive service charges vis-à-vis other banks. Please Refer circular No. BCC:RM:101:73 dated 4.11.2009.

PRICINGPRICING

25th October 2011


BENEFITS TO BANKBENEFITS TO BANK

A revenue stream through CMS

Augment low cost float money

Provides better services for Corporate customers.

Bulk transaction are uploaded through data file in specified format which saves data entry work.

25th October 2011


SUGGESTED STRATEGY FOR MARKETINGSUGGESTED STRATEGY FOR MARKETING

Specific Target Group• Corporates• SMEs• NBFCs• Mutual Funds• Insurance CosList of Clients can be obtained from RO/ZO/CFS BranchProspective clients can be identified with the help of Industrial Associations / Chamber of Commerce / Websites.To convert Warm Lead into Full Lead• Contact prospective clients in person• Take assistance from Regional Head• For any clarification contact BCMS Team.

25th October 2011


Branches approach Customer. Branches forward application forms to

Central Operational Hub (COH).

COH process application forms and advise customer-code to branches.

Now the Customer is CMS-Customer. The transactions are routed through

branches/service branches/CBOs/CMSCOH

PROCESS FLOWPROCESS FLOW

25th October 2011


Income generated from operations:-Income generated from operations:-

FINANCIAL YEAR 2009-10FINANCIAL YEAR 2010-11FROM 1.4.2011 TO 30.9.2011(including claim amount Rs.3/- lacs from Mutual funds

Rs.10.40 lacsRs. 40.80 lacsRs. 21.42 lacs

Notional Income generated from BOBCARDS Ltd.* Rs.70 lacs approx. (Notional charges proposed for Bobcards Ltd. is Rs.2/- for IFT transaction and Rs.5/- for NEFT transaction).

25th October 2011


BANDWIDTH REQUIREMENTBANDWIDTH REQUIREMENT

• Enhancement of Bandwidth at the identified branches.

• Minimum Bandwidth required is 128 KBPS

PROPOSAL IN PIPELINEPROPOSAL IN PIPELINE

• To roll out Payment Module from identified branches• To roll out Collection Module at all Service branches & identified City Back Offices.•-4- Training programmes have been conducted at BOBIIT, Gandhinagar for identified staff members.

25th October 2011


BARODA CASH MANAGEMENT SERVICES has started functioning from December 15, 2008 at

Central Operational Hub (BCMS), Mumbai Main Office, 1st Floor, Mumbai Samachar Marg, Fort, Mumbai – 400023Ph. 022-40468401 to 07 : Fax 022-40468400E-mail: [email protected]

Contact Persons:Mr. Mukul Ranjan, Chief Manager Mobile No. 09323063049Mr. K. K. Waghela, Senior Manager Mobile No. 09870930856

mailto:[email protected]

eBusinessFebruary 22, 2011

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Thank You

Documents

PPT GM MEET OCT 11