NSCS Corporate Presentation

System Integration

B2B

G2C

Health Care Security

NSCS Overview

• Grinder

• LISA

Believe Innovate Deliver

NSCS – About US

Corporate Overview

Quick Facts

Team Strength Relationship

Offices across countries

Value creation through IPR’s

Development Center

• A software development, sales and marketing organization with PAN India presence and Global Partners. • Over 3 decades of experience of working in IT industry providing solutions and Strategic Project Management. • Experience of successfully handling large e-Gov., BFSI, Telecom, Defense, Infra projects • Specialize in Consulting, Distribution of software products, Systems Integration, customized B2B and Enterprise

Software Solutions and Data Processing • 15,000 Man Month of Experience, Domain expertise of Core team spans across the verticals • Innovators : Created IPR’s and framework like BancMate TBA/CBS, Bilingual methodology etc. • Tie up with Leading SI and App Partners : Strategic relationship with world leaders to provide integrated solutions

and best of support • Focused on Long-Term Customer Relationships with repeat business of over 85% • PreCise : Live projects with Academia • Financial Inclusion : Providing FI services across 1000+ villages.

Partners

NSCS – Genesis

Commenced operation in 1996

Started as five member team

Growth to a 300+ member team in 2006

To develop and implement a total quality

software solution

To provide solutions to plan continual

improvement in all areas:

• Customer Satisfaction

• Instant solution of the queries of

customers

• Single Window Solutions of allied

services

Highlights:

Developed BancMate,

India’s only Multilingual

Branch Banking Software.

BancMate - Marketing

alliance with PNB India’s

second largest public sector

bank.

Strategic alliance with

International giants like

Microsoft, RedHat, Oracle,

HP….

Public Sector Banks

On BancMate

1. ALLAHABAD BANK

2. BANK OF BARODA

3. INDIAN OVERSEAS BANK

4. ORIENTAL BANK OF COMMERCE

5. PUNJAB NATIONAL BANK

6. UNITED BANK OF INDIA

7. VIJAYA BANK

1. SHIVPURI GUNA KRISHI GRAMEEN BANK

2. HARYANA KS. GRAMEEN BANK

3. HISSAR-SIRSA KS. GRAMEEN BANK

4. HIMACHAL GRAMEEN BANK

5. SHIVALIK KS. GRAMEEN BANK

6. KAPURTHALA-FEROZPUR K. G. BANK

7. GURDASPUR AMRITSAR K G V BANK

8. SHEKHAWATI GRAMIN BANK

9. ALWAR BHARATPUR ANCH. GR. BANK

10. BHOJPUR ROHTAS GRAMEEN BANK

11. MAGADH GRAMIN BANK

12. NALANDA GRAMIN BANK

13. PATLIPUTRA GRAMEEN BANK

14. KISAN GRAMIN BANK

15. DEVI PATAN KS. GRAMEEN BANK

16. RANI LAKS.MI BAI KS. GRAMEEN BANK

17. VIDUR GRAMIN BANK

18. MUZAFFARNAGAR KS. GR. BANK

19. HINDON GRAMIN BANK

20. AMBALA KURUSHETRA GRAMIN BANK

Regional Rural Banks

On BancMate

BANK OF RAJASTHAN

Private Sector Banks

On BancMate

• has all features of bilingualisation

• Can work in Hindi & english

• system study has been done in-depth

• parameterisation levels are high

• comprehensiveness of the package is high

• technically competent to meet the software requirements set by the banks

• has enthusiasm, technical capability & banking experience

RECOMMENDED FOR CONSIDERATION.

Acknowledgements

IBA-Recommened

NSCS – Our Experience

IPR’s which we developed (now with HCL) Our Experience

We have rolled out BancMate (TBA) in over 5000 bank branches of :

• Publc Sector Banks : 07 • Regional Rural Banks : 20 • Private Banks : 01 • State and District Coop. Banks : 04 • Foreign Banks : 02

• BancMate TBA and CBS with ABB : Anywhere Branch

Banking

• Interfaces to ATM, POS, Tele Banking, Mobile Banking

etc.

• Internet Banking

• EASIEST : Electronics and Accounting System in

Excise and Service Tax for banks.

• Pension : Civil and Defence Pension Tracking system

for banks.

• RTGS : Real Time Gross Settlement between banks.

• SFMS : Structured Financial Messaging within a bank.

• OLTAS : On-line tax processing

• RAS : Remote Access.

• Retail Lending : Score Based lending system.

• BancScan : Enterprise wide MIS reporting system.

• BancR : Inter-branch Reconciliation solution for banks.

• TracMate : Proposal Tracking System for banks.

• OfficeMate : Document and Circular Management.

• HRMate : Personal Information Management

• CallMate : Call Resolution and Software Development

Management Software.

We have the distinction of being the single

largest installation of a distributed software in :

• Public Sector Bank at Punjab National Bank with

over 2400 branches on-line on BancMate.

• Regional Rural Banks at 9 PNB RRB’s with over 900+ branches on-line on BancMate.

• Private Sector Bank at Bank of Rajasthan with over

150+ branches on-line on BancMate

• State Coop. Bank at Himachal Pradesh State

Coop. Bank with over 150+ branches on-line on

BancMate

Single Window

Increased Mobile/ Branch

Locations

MIS Reporting/ Regulatory Compliance

CoBa

Sys

All Modules

Controlling Costs

Introducing our Banking Solution:

CoBaSys

Upgrade & Ongoing

SW/H/w, N/w Support

Implementation & Consultant Approach

All Modules

Optimized Hardware for high

efficiency & throughput

Security Network

CoBaSys

Features

Training & Helpdesk Migration

…With Robust & Efficient Features

CoBaSys comes with unique features…

3 tier Web based bilingual Core Banking Solution with real

time on line transactions

Built on scalable technology with robust functionality

(JAVA)

Platform Supported – Unix, Linux, Windows

Database Supported – Oracle 11g, MS-SQL , MySQL

App servers Supported – Jboss, Weblogic, Websphere,

WASCE

Single DATA BASE for connected branches

MIS generated from Central server with Batch processes

running on main database

Proven & reliable technology

CoBaSys Architecture….

CoBaSys Data Centre …..

CoBaSys Branch Setup..…..

Retail Products

Transactions

Savings Accounts

Current Account

Overdraft account

Cash Credit A/c’s

Term Deposits with TDS

Time deposit

Loans/Advances with NPA

Daily Deposit with POS integration

Cash Dr./Cr

Transfer (One to one, One to Many, Many to One)

Clearing

GL entries

FD issue /Payment Renewal

Loan disbursement

Loan Recovery Entry

Sundry/Suspense entry

Products

Tx

CoBaSys - Core Banking Solution

Retail Products

Transactions

Letters of Credit

Bank Guarantee

Bills Collection/ Discount/Purchase

Interest Defining product

wise

Charges defining product

wise/ category wise

Day book, General Ledger

and Trail Balance/ Weekly

Profit and Loss

Balance Sheet

Decision Support

Systems

Management

Information Systems

Signature and

Photograph Verification

Biometric Verification

Corporate Products

Back Office

Products

CoBaSys-Corporate Products

Clearing

Specific Products

Multiple Clearing Houses

Holidays for Clearing Houses and Branches

Lodging and Clearing days specifications

Day-end logical check for lodging and clearing

Fixed/Term deposits/STDRs

Flexi deposit

Recurring and cumulative deposits

Daily Deposit Scheme

Clearing

Specific Products

CoBaSys Clearing & Specific Products

Remittances

Specific Products

Define document type & document wise stocking and printing

Multiple remittances from single voucher

Stop, lost or duplicate issue & cancellation of documents

Service charges calculation

Customer Enquiry

Terminal

Lockers

Generation of

advices, Interest and

Balance Certificates

Passbook Printing

Remittance

Specific Products

CoBaSys Remittances & other services

Deposit/Remittance

printing

Standing Instructions

Cheque Book

Maintenance

User Management with

Access right system

Recurring/ Cumulative Deposits

Scheme specific

interest charts and covering

0% PMRY FDs

Auto Renewal of

FDs

Renewal of FD with back

dated / today's ROI or SB ROI

FD

Module

TDS with reverse

calculation

Flexi Recurring Deposit &

Daily Deposit Scheme

Flexi Deposit or Super

Savings Bank or Super Flexi

Scheme

Define own schemes,

configure & design

documents

CoBaSys - FD Module

NPA with memorandu

m details

Retail Lending

Demand Loan /

Term Loan

Housing Loan Staff /

Public

Consumer Loans,

Education Loan

Loans

Module

Interest on Mly/Qty,

compounding, Moratorium,

Simple Interest etc.

Protested / Write Off / Claims /

Recovery

Festival Loans

Against Bank own Deposits

(LABOD)

Agricultural Loans

CoBaSys - Loans Module

CoBaSys Loans Module… work flow

1. Create Present and Customised schemes for my customers 2. Acquire Customers for these schemes 3. Create Cross Selling opportunities 4. Expend knowledge through mailers with respective Scheme Brochure. 5. Contact these customers. 6. Loan Interview :

– Eligibility of the customer is assessed – Score sheet prepared – EOI (In-Principal Sanction Letter) issued to eligible Customers – Loan Amount and EMI – Contact these customers

7. Loan Application with necessary documents is received – Investigation Report is prepared after Field Investigation is

also carried out. 8. Loan Sanction or Rejection 9. Loan Documentation 10. Account Opening of sanctioned accounts

– Score sheet is again checked – Deviations are recorded as per Loan scheme. – Disbursement stages are recorded

11. Day to Day functioning and PDC management 12. 90 Day cycle in case of irregularity in A/c. 13. NPA Management

CoBaSys Loans Module……

• Customer Acquisition;

• Pre-sanction Appraisal

Recommendations &

Approval.

CoBaSys Loans Module…………

• Post Sanction

• Hub Incharge actions

CoBaSys Loans Module…. 90 day cycle

CoBaSys Loans Module…. 90 day cycle

•Contacting Customer for recovery of loan amount in case of default

CoBaSys Loans Module…. 90 day cycle

Teller Operation

Cashier Operation

Sundry / Suspense

Letter of Credit and Bank

Guarantee

Lockers Operation

Other Modules

CoBaSys Other Modules

CoBaSys SMS Alerts Sr. No. Particulars of deliverables

1 Deposit Account Balance Enquiry

2 Customer will get mobile alert if there is a cheque bounce in their account.

3 DEBIT ALERT – informs you about any debits (above a particular limit) to your account

4 CREDIT ALERT informs you about any credits (above a particular limit) to your account

5 BALANCE ALERT – informs you about account balance at regular intervals (daily/weekly/monthly)

6 SALARY CREDIT ALERT informs you when salary is credited to the account

7 OVERDRAFT ALERT informs you when the account balance gets overdrawn

8

BELOW BALANCE ALERT informs you when the account balance goes below the specified threshold

limit

9 Loan installment is due

10 Alert on failed standing instructions

11 Alert for submission of stock statement

12

Threshold alerts to customers if balance goes below minimum balance being maintained under different

type of accounts

13 Promotional alerts viz. information about new launches/ Forex Rate/ Loan Query etc

14 Weekly balance alerts to all/specific accounts

15 Cheque realization (Outward Clearing)

16 Cheque realization (Inward Clearing)

17 Cheque returned (Payment)

18 Cheque returned (Deposit)

19 Send message when user is going to close his/ her account.

Mandatory Backup of

Database at Day end

Deposits & withdrawal

limit restrictions

User Defined Access Rights

Authorization of every

exceptional transactions

Back-dated as well as

online audit trial

Integrated

Security

Features

NO deletion –deleted

transactions shown in

exceptional report

N tier user definable user

types with entry and

authorization limits

Terminal locking facility

& Forced password changing

Concept of maker & checker possible

Checksum

CoBaSys Strong Integrated Security

ATMs

KIOSKS

Internet banking

Mobile Banking

Tele-banking

New Technologies provide

many ‘Touch Points’

CoBaSys Integration to Touch Points…..

POS

Single screen

operation consist of more than

80% operation

One stop shop for a turnkey solution

Easy to use

ISO 8583 compliant

BI support

CoBaSys

Advantages

Financial inclusion solution

with CBS as server

/ client

Integration with

industry proven

software such as AML and

ALMs

CoBaSys- Key Differentiators

Single Windows

for Account opening & Single Voucher Window

• Bank Creates a dedicated team to own the new growth path through automation

• The team of officers goes through the entire software and identifies changes required as per the requirements of the

bank.

• The team defines various masters and parameters for various modules in the software as per the procedures of the

bank for each and every module.

• Each branch shall work on this master data only.

• The basic changes are identified and given for customization for each module after undertaking the complete

procedure for the module on dummy accounts and conducting working on these accounts for over a period of time.

• The necessary changes are made as per the bank’s requirements.

• The team visits rechecks the changes undertaken.

• An exhaustive manual is prepared by the bank for its branches.

• The team prepares a detailed schedule for training and implementation of bank staff on BancMate.

• The bank creates team for implementation

• Branches are identified for implementation.

• Hardware is ordered with pre-loaded software and SQL licenses.

• The bank imparts training to its staff

• The responsibility of branch implementation is on the HO ITD dept.

• We provides personnel for implementation of BancMate to the bank who report to ITD personnel's. The responsibility

of the branch going on-line is with the bank.

• The software is owned by the HO team who know each and every details of the software.

CoBaSys - Implementation Strategy

CoBaSys - Implementation Schedule

Implementation of CoBaSys

Master / Parameters 1 months

UAT 1 months

Pilot 1 months

Support per branch in days 5

One person will support (branches) - L1 and Help Desk 25

Warranty period 12

Implementation of Interfaces

Master / Parameters HO version 1 months

UAT 1 months

Pilot 1 months

Rollout 1

Warranty period 12

Persons reqd. 1 12

We have the privilege of having maximum no. of branches rolled out in TBA (distributed) environment in : Public Sector Bank in India – PNB – over 2500 branches

Regional Rural Banks in India – PNB RRB’s – over 1100 branches

Private Sector Bank in India – BOR – over 150 branches

State Coop. Bank in India – HPSCB – over 175 branches

The strategy resulted in a roll out of over : 1000 branches every year at PNB

500 branches every year at PNB RRB’s

HPSCB 100% done in 2 years time

750 branches of United Bank in 2 years

We have rolled out over 5000 branches in 5 years.

Success of Implementation Strategy

CoBaSys - Uniqueness

1.

The 3 tier application has been developed on JAVA Technologies and is OS and

RDBMS independent.

2. The application is already in use with over 1500 users on pure CBS.

3. It has also been successfully tested for 7,000 concurrent users.

4.

Some of the specific unique features of the application are :

Single Windows for Account opening – All kinds of accounts are opened from

the same option. The user doesn’t have to shift menus for various account

opening.

Single Voucher Window : We provide one single voucher window for all financial

transactions like :

Dr/Cr into SB, CA, CC, OD, GL, PL, RD, Loans (Disbursement, Charges

etc)

Cash / Clearing / Transfer vouchers

FD Creation / Payment

Remittance Issue / Payment

Sundry / Suspense – entry creation / settlement etc.

5.

The voucher window also provides for Non-financial transactions like :

Statement – mini/detailed

NPA Statement

Cheque Book Issue

Status of Cheque

Passbook Issue

Passbook Printing

Name Search

Batch Details

FD details

EMI Calculator

FD Calculator and many more.

6.

Single windows for opening multiple Customer ID's and Account – eg. 3

persons opening a joint Account will follow a single Maker and Checker process

(2 steps) instead of 3 Customer ID creation 3 authorization and than one

account opening and authorization (total 8 steps).

7.

FD management similar to the manual system where there is a customer ID,

Account No. and multiple receipts in that Account. We don’t open an account for

every FD created.

CoBaSys - Uniqueness

8.

Score Based Lending including complete Agricultural Loans and Kisan Credit

Cards covering :

Pre Sanction,

Sanction,

Post Sanction

Monitoring and follow up.

9.

Agricultre Credit Card taking care of :

One year cycle of repayment and interest charging (simple / cumulative /

penal) is done accordingly.

Crop Loan management season wise and the disbursement and

management is done accordingly

10.

Complete NPA management including :

pre-warnings of accounts going to become NPA

NPA account gets statement with complete details due from him i.e.

including Interest and charges due even after account became NPA

NPA Provisioning

Movement to :

Compromise,

Suit Filed,

Protested

Claim Management

CoBaSys - Uniqueness

11.

Re-scheduling of loans which includes ;

Period Re-scheduling

Amount Re-scheduling

Moratorium Period Re-scheduling

12.

Multiple types of disbursement :

Single Disbursement and Installment

Installment with every disbursement made etc.

13.

The above features result in easy and faster implementation. The training is

reduced to hours instead of days and system is made operational at an early

date.

14.

The system works in the language of the bankers (eg. Customer ID and

Account Opening, FD Creation, Single Voucher etc.) which makes it easy for

the bankers to understand who are not computer professionals. the procedures

followed are the ones mentioned in the banks manuals and the methods

followed by them.

15.

The complete solution i.e. Hardware, software, networking, data centre

capabilities etc. comes from a single vendor.

CoBaSys - Uniqueness

CoBaSys - Technology

CoBaSys Technology – User Interface…..

• JSP

• Java Applets

• Java Servlets

• Struts Framework

• JavaScript

• Java Regular expression

• AJAX

CoBaSys - Logic Technology

J2EE Business tier

• EJB (Entity, Session – Stateful and Stateless and Message driven Bean)

• Java Messaging Service

• Web service

• ANTS (For Application Deployment)

• Log4J (Application logging)

• Java Encryption

• JDBC, Multi-Data Source with Failover/Load-Balancing Features

• Connection Pooling

APIs

• Java Mail API

• Stylepad for creating bookmarks (as alternate to MS Word)

• Excel API

CoBaSys - J2EE Enable Architecture

Other Channels Internet Banking Branch Users Browser/Presentation layer

Web Server/Presentation Controller

Business Logic

Data access Layer

Web

services

Internet

Banking

SMS

Banking

POS ATM

Component Architecture

DataBase

Application Server

Thank You

Natural Support Consultancy Services (P) Ltd. E-26, Sidharth Nagar, Malviya Nagar,

Jaipur-302017