HR software

1) Employee attendance By HR software IDLC maintains their employee attendance It provides the advantage to their employee to log in electronically At first after entering into the office they donrsquot need to register their name in their register book rather they just log in to their personal desk and after log in it automatically replace the information of employee attendance

2) Leave Status Like employee attendance the software works also to upload the information of leave Thatrsquos when the employee leaves their office they need to log out their personal computer and it automatically replace their leave status to the server

3) Pay Slip HR software also provides monthly payment receipt by which the employee can withdraw their salary

4) Tax cerficate This software signals about the tax eligibility of the employee and how much taxes are curtailed from their salary and also with specific tax captions

5) Trainning method IDLC regularly provides to their employees Itrsquos not a formal trainning In HR software there is option named lsquoHR Trainningrsquo Employee who personally feel any lackage to their work heshe replace hisher needs into the trainning software Or if HR head any trainning officeer feels that any trainning which will enhance the efficiency they arrange it by announcement with the software programme It definitely reduces the bureaucratic problem of the HR department

6) HR perfomance evaluation Every peeformance done by the employee is evaluated by the HR departmnt There is no need to arrange a programme for the performance evaluation by using this software

Flexiqube core banking software

With globalization sweeping through the financial services industry at an unprecedented rate intense competition reduced margins and increased customer expectations are key challenges facing financial institutions today As the industry continues to grow the traditional boundaries between various application types such as Operational (Transactional) Tactical and Strategic (Decision Support) are blurringIn this environment critical success factors that give financial institutions a competitive edge in making decisions are

providing a single common view of organizational information to all users providing users access to all relevant information within the organization Enabling end-users themselves to carry out various kinds of analyzes flexibly without having to

write code providing such access in a timely and meaningful manner

The recognized technical concept for meeting this challenge is known as Data Warehousing A Data warehouse is a separate application environment with a dedicated database drawing on diverse data

sources and designed to support query and analysis To achieve this task and support their core activities IDLC uses Flexicube software

The ways that IDLC is benefited from Flexicube are discussed belowe

Customer Relationship Management

Given that Customer Relationship Management encompasses one of the key attributes of any business ie Customers it is vitally important that CRM features into the overall strategic vision of all businesses In fact CRM assumes more importance in the financial industry today because of the many competitors to whom a customer can defect almost at willHence a successful CRM strategy is built on the active involvement of all operating units of IDLC (corporate treasury retail and marketing divisions) at all levels (branch regional and departmental levels)To implement an effective CRM strategy however a thorough analysis of the customer base is required because no two customers are alike A corporate customer is vastly different from a retail customer And even within the retail customer base there are dissimilarities however minute amongst the customers IDLC is therefore discovering that developing and sustaining a successful CRM strategy is a never-ending processFLEXCUBE Information Center (FIC) a unique data warehousing system recognizes IDLCs need for an increasingly better understanding of the customer base and facilitates a deeper analyzes of the customer base by answering a wide scope of questions including but not limited to10487131048713Customer acquisition - acquiring new customers of a selective profile10487131048713Customer cross sell - selling other products to existing customers10487131048713Customer up sell - enabling an existing customer to increase the usage of his existing

product as also moving the customer up the value chain of products from a lower profitable product to a higher profitable product

10487131048713Customer attrition - discovering trends which predict customer attrition accurately10487131048713Customer retention - maintaining a satisfied loyal and profitable customer base10487131048713Ensuring all the above activities result in a profitable customer relationship

Customer Profitability Reporting

Customer profitability calculation is not an end in itself By definition Customer profitability is a very dynamic concept Customersrsquo relationships with the IDLC comprise different elements all of which have an impact on Customer profitability The manager is expected to be focused on any changes to profitability Once he has made a segmentation of the Customers based on their profitability his Customer-interaction strategies revolve around where in the profitability continuum the Customers fit in FLEXICUBE software helps this segmentation

FLEXICUBE has an analytical domain which helps to analyze a customer

1)Customer Profitability ndash Financial Analysis

Profitability depends on the difference between the Revenue earned by way of interest fees amp charges and commissions and the Costs incurred as in interest paid and direct amp indirect costs associated with the Product

This Financial Analysis Analytical Domain will consist of the different Profitability Measures

10487131048713Net Revenue from Funds (NRFF) will provide the amount of revenue generated by way of spread between the Interest rates

10487131048713The Total Income by way of Fees amp Charges and Commissions which is another major component of Revenue will also be available in this Analytical Domain

10487131048713The Customer Net Revenue which is essentially the difference between the Income (NRFF and Fee Based Income) and the Expenses incurred is a measure by which one can arrive at the Net profitability of a Customer

Profitability is computed at the Account level for each Customer The computation of profits will be specific to an Account The profitability at the Account level shall be rolled up to the Customer level to obtain the profits earned through a Customer across all his Product holdings It should be noted that a Customer could have Primary as well as Secondary holdings The profitability of an Account is computed only at the Primary holding level Thus the figures appearing in the AD will consist of the profits of a Customer for his Primary holdings only so that there is no duplication double counting with a Secondary Customer of the Account

2)Customer Profitability ndash Marketing Analysis

This AD will identify the Number of Customers falling within certain Profitability Buckets Here the Profit will be at the total level of all holdings of the Customer inclusive of Secondary holdings This analysis is done in order to identify Customer profiles that have contributed to profits and should be catered to by way of selling more products or retaining them by rewards and benefits of various kinds The Number of Primary Customers will also be made available as a measure in this AD in order to distinguish between Primary and Secondary Customers

3)Customer Profitability - Trend Analysis

This Analytical Domain will analyze the profitability of Customers across Time The importance of this AD lies in the two Dimensions Age on Book and Vintage It will indicate the period (eg No of Months) after which a Customer usually becomes profitable starts generating revenue It will help to understand how profitability changes for different product holdings over time for different Customer profiles But the biggest advantage of having these two Dimensions lies in the fact those Customers with different Vintages can be analyzed at the same Age on Book

Credit Risk

Absorbing and managing of credit risk is one of the primary functions of a financial institution in our modern economies Management of credit risk has two dimensions to it

1)Concentration Analysis - Corporate

One of the primary means of analyzing credit risk is to measure the degree of diversification across various dimensions This analytical domain aims at providing a comprehensive list of ways of computing concentrations and provides the basis of fixing and monitoring transgressions of limits set by the management of IDLC

2)Risk Migration and Pricing Analysis

One of the primary identifiers of risk quality in any financial institution is the internal credit score assigned to each loan facility Traditionally institutions treated rating as a static score but of late there has been a move to look at the dynamic multi period behavior of rating scores to better understand multi period loans While it is tempting to use overall rating migrations as the only deciding variable it needs to be combined with other economically rational dimensions like customer profile and age of the facility to analyze and ferret out the deciding variable in rating behavior Multi period averages also allow for a quantitative method to determine the reliability of the rating process on the average and by management levels This acts as an effective evaluation of the rating process The output of this Analytical Domain can be easily integrated with more advanced credit pricing models based on rating migration for loan valuation

3)Default Analysis

The default analysis allows for an alternative method to rating migration analysis for the analysis and pricing credit risk It provides the basic statistics required to implement default mode credit pricing models based on the average default probability and the dispersion of the number around the averages The AD also provides for a static look at the performance of loan accounts by number and by exposure in each of the categories The analysis can then be done at the responsibility center level for both performance evaluation and for effective comparison of loan assets performance

Enterprise Financial Reporting

In the past few years there has been a change in the quality of information required by the investing community from publicly listed companies as much as there is a growing need from diligent managers for better and more timely information to make intelligent decisions Financial data aggregated from general ledgers is no longer sufficient in a fast changing world it needs to be broken down into knowledge one can use to specify areas which are doing exceptionally well and the ones where there are problems This financial and management reporting also needs to be geographical consolidated across legal entities and in single reporting currency for meaningful enterprise wide management

Balance Sheet Analysis

This Analytical Domain provides a snapshot of the asset and liability position of the bank consolidated across various dimensions like responsibility center time scenario and product The GL Balances provided by the user are mapped to reporting lines configured by the user

Earnings Analysis

This Analytical Domain captures the income expense statement of the bank consolidated across dimensions The GL balances provided by the user are mapped to income expense reporting lines configured by the user The overheads are allocated across products in the manner parameterized by the user This AD seeks to analyze product profitability across dimensions like product responsibility center amp time and is aimed at product managers who have to take decisions on which product to support amp promote and which to drop from their portfolios

Budgeting and Planning

Most budgeting and planning applications tend to look backwards While this helps is assessing performance and in rewarding achievement it is not very useful when it comes to re-looking at plans or budgets This Analytical Domain is forward looking when it comes to budgeting planning It helps measure target achievement It also looks at the balance target for the planning period It also helps assess whether the balance target is achievable by considering the numbers achieved over the same time periods in previous years the maximum minimum and average numbers achieved over a similar time period in the previous year or twelve months Hence this AD not only measures target achievement for performance monitoring reporting and appraisal it also is proactive in providing early warning signals to managers and also provides inputs for future planning efforts

Key Indicators

This AD monitors certain key indicators as defined by the user These could include profitability liquidity and risk asset indicators

Microsoft LyncTM ushers in a new connected experience transforming every communication into an interaction that is more collaborative engaging and accessible from nearly anywhere with an Internet connection A single interface unites voice IM audio‐ video‐ and web‐conferencing into a richer more contextual offering and a single identity makes it easier and more efficient for users to find contacts check their availability and connect with them Lync works consistently with Microsoft Office enriching the experience of familiar applications like Microsoft Outlook Microsoft Word Microsoft SharePoint and more

Advantages of Microsoft LyncTM

Different types of advantages are provided through this software which ensures higher capability for the IDLC The advantages are given as follows

A) Get More Done in Less TimeThe powerful collaboration tools in Microsoft Lync help IDLC get more done in less time so IDLC can be present where and when IDLC need to be most

1) ContactsMicrosoft Lync makes it easy to keep all your contacts in one place so you can communicate more easily Contacts can be sorted by groups presence status and relationship

2) PresenceMicrosoft Lync helps employee stay connected but it also gives employee the flexibility to choose when and how employee can be contacted

3) Understanding PresenceLync provides an immediate visual representation of a contactrsquos availability or presence By simply looking at the contact list one can find everything onersquos need at a glance For example a green icon means a contact is available red means a contact is busy and yellow indicates that a contact is Away from the computer Wherever a contacts name appearsmdashin an e‐mail message or on a team site status and contact information also is displayed Presence information can be set by the contact manually or selected based on available calendar information

4) Changing employees Presence StatusChanging your presence status helps co-workers know when you are and arenrsquot available Presence is enhanced in Lync with pictures location information and additional states such as ldquoOff Workrdquo to provide more granular information about availability and communication preferences

5) Instant MessagingStarting an instant messaging (IM) session is as simple as double‐clicking a contact name from your Contact List This opens the Conversation window where one enter his IM and view responses from others

6) Use Etiquette in Instant Messaging

Instant Messaging (IM) is less intrusive than a phone call and often quicker than email Its very nature is conversational and similar to face‐to‐face discussions There are a few general etiquette rules you should keep in mind when communicating via IM

Before sending an IM check the personrsquos presence status This will help you decide if and when itrsquos appropriate to connect

Available go ahead and initiate a conversation as you your contact is willing and available Busy refrain from sending a message unless itrsquos urgent In a Call your contact may be slow to respond or may not respond at all This will vary by

person and by the nature of the call Do Not Disturb messages cannot be sent and are blocked by the system When initiating an IM itrsquos a good practice to ask if the other person if they have time to chat with

you Sometimes a person may or may not respond immediately Avoid sending multiple messages and

wait for a response to your initial IM unless it is urgent If one receives a terse response (eg in a meeting ‐ talk later) donrsquot be offended Theyrsquore just

letting you know theyre unavailable at the time According to the policy of IDLC IM conversations may be monitored or saved

B) Be at the Center of IDLC NetworkMicrosoft Lync helps connect with IDLC network of friends colleagues and partners so one can stay in touch It enables employee to communicate with contacts from federated networks including Windows Live AOL and Yahoo

1) Use Etiquette in Managing Contacts IDLC donrsquot need permission to add someone to ones Contact List however by default the person

you add to your Contact List receives an alert that you have added them If someone adds you to their Contact List you are not obligated to add them to your contact list

You can gently decline by checking the button and clicking OK

2) Use Status MessageStatus messages give employee an opportunity to quickly share more information with other employee

3) Use Emoticons in social messagesUsing emoticonsmdash graphical representations of facial expressions mdashin your messages can help provide context around the meaning behind the written words

To add an emoticon to an IM in the Conversation window of the message area place the cursor where you want to insert the emoticon Click the Emoticon button and then select an emoticon

C) Work from anywhere virtuallyWith Microsoft Lync one can be connected to the office from the road home onersquos favorite coffee shop or nearly anywhere with an Internet connection

1) Setting Your LocationMicrosoft Lync makes it easy to let others know where you are and how to reach you Microsoft Lync can automatically determine employees

2) Conferencing Options

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

sources and designed to support query and analysis To achieve this task and support their core activities IDLC uses Flexicube software

The ways that IDLC is benefited from Flexicube are discussed belowe

Customer Relationship Management

Given that Customer Relationship Management encompasses one of the key attributes of any business ie Customers it is vitally important that CRM features into the overall strategic vision of all businesses In fact CRM assumes more importance in the financial industry today because of the many competitors to whom a customer can defect almost at willHence a successful CRM strategy is built on the active involvement of all operating units of IDLC (corporate treasury retail and marketing divisions) at all levels (branch regional and departmental levels)To implement an effective CRM strategy however a thorough analysis of the customer base is required because no two customers are alike A corporate customer is vastly different from a retail customer And even within the retail customer base there are dissimilarities however minute amongst the customers IDLC is therefore discovering that developing and sustaining a successful CRM strategy is a never-ending processFLEXCUBE Information Center (FIC) a unique data warehousing system recognizes IDLCs need for an increasingly better understanding of the customer base and facilitates a deeper analyzes of the customer base by answering a wide scope of questions including but not limited to10487131048713Customer acquisition - acquiring new customers of a selective profile10487131048713Customer cross sell - selling other products to existing customers10487131048713Customer up sell - enabling an existing customer to increase the usage of his existing

product as also moving the customer up the value chain of products from a lower profitable product to a higher profitable product

10487131048713Customer attrition - discovering trends which predict customer attrition accurately10487131048713Customer retention - maintaining a satisfied loyal and profitable customer base10487131048713Ensuring all the above activities result in a profitable customer relationship

Customer Profitability Reporting

Customer profitability calculation is not an end in itself By definition Customer profitability is a very dynamic concept Customersrsquo relationships with the IDLC comprise different elements all of which have an impact on Customer profitability The manager is expected to be focused on any changes to profitability Once he has made a segmentation of the Customers based on their profitability his Customer-interaction strategies revolve around where in the profitability continuum the Customers fit in FLEXICUBE software helps this segmentation

FLEXICUBE has an analytical domain which helps to analyze a customer

1)Customer Profitability ndash Financial Analysis

Profitability depends on the difference between the Revenue earned by way of interest fees amp charges and commissions and the Costs incurred as in interest paid and direct amp indirect costs associated with the Product

This Financial Analysis Analytical Domain will consist of the different Profitability Measures

10487131048713Net Revenue from Funds (NRFF) will provide the amount of revenue generated by way of spread between the Interest rates

10487131048713The Total Income by way of Fees amp Charges and Commissions which is another major component of Revenue will also be available in this Analytical Domain

10487131048713The Customer Net Revenue which is essentially the difference between the Income (NRFF and Fee Based Income) and the Expenses incurred is a measure by which one can arrive at the Net profitability of a Customer

Profitability is computed at the Account level for each Customer The computation of profits will be specific to an Account The profitability at the Account level shall be rolled up to the Customer level to obtain the profits earned through a Customer across all his Product holdings It should be noted that a Customer could have Primary as well as Secondary holdings The profitability of an Account is computed only at the Primary holding level Thus the figures appearing in the AD will consist of the profits of a Customer for his Primary holdings only so that there is no duplication double counting with a Secondary Customer of the Account

2)Customer Profitability ndash Marketing Analysis

This AD will identify the Number of Customers falling within certain Profitability Buckets Here the Profit will be at the total level of all holdings of the Customer inclusive of Secondary holdings This analysis is done in order to identify Customer profiles that have contributed to profits and should be catered to by way of selling more products or retaining them by rewards and benefits of various kinds The Number of Primary Customers will also be made available as a measure in this AD in order to distinguish between Primary and Secondary Customers

3)Customer Profitability - Trend Analysis

This Analytical Domain will analyze the profitability of Customers across Time The importance of this AD lies in the two Dimensions Age on Book and Vintage It will indicate the period (eg No of Months) after which a Customer usually becomes profitable starts generating revenue It will help to understand how profitability changes for different product holdings over time for different Customer profiles But the biggest advantage of having these two Dimensions lies in the fact those Customers with different Vintages can be analyzed at the same Age on Book

Credit Risk

Absorbing and managing of credit risk is one of the primary functions of a financial institution in our modern economies Management of credit risk has two dimensions to it

1)Concentration Analysis - Corporate

One of the primary means of analyzing credit risk is to measure the degree of diversification across various dimensions This analytical domain aims at providing a comprehensive list of ways of computing concentrations and provides the basis of fixing and monitoring transgressions of limits set by the management of IDLC

2)Risk Migration and Pricing Analysis

One of the primary identifiers of risk quality in any financial institution is the internal credit score assigned to each loan facility Traditionally institutions treated rating as a static score but of late there has been a move to look at the dynamic multi period behavior of rating scores to better understand multi period loans While it is tempting to use overall rating migrations as the only deciding variable it needs to be combined with other economically rational dimensions like customer profile and age of the facility to analyze and ferret out the deciding variable in rating behavior Multi period averages also allow for a quantitative method to determine the reliability of the rating process on the average and by management levels This acts as an effective evaluation of the rating process The output of this Analytical Domain can be easily integrated with more advanced credit pricing models based on rating migration for loan valuation

3)Default Analysis

The default analysis allows for an alternative method to rating migration analysis for the analysis and pricing credit risk It provides the basic statistics required to implement default mode credit pricing models based on the average default probability and the dispersion of the number around the averages The AD also provides for a static look at the performance of loan accounts by number and by exposure in each of the categories The analysis can then be done at the responsibility center level for both performance evaluation and for effective comparison of loan assets performance

Enterprise Financial Reporting

In the past few years there has been a change in the quality of information required by the investing community from publicly listed companies as much as there is a growing need from diligent managers for better and more timely information to make intelligent decisions Financial data aggregated from general ledgers is no longer sufficient in a fast changing world it needs to be broken down into knowledge one can use to specify areas which are doing exceptionally well and the ones where there are problems This financial and management reporting also needs to be geographical consolidated across legal entities and in single reporting currency for meaningful enterprise wide management

Balance Sheet Analysis

This Analytical Domain provides a snapshot of the asset and liability position of the bank consolidated across various dimensions like responsibility center time scenario and product The GL Balances provided by the user are mapped to reporting lines configured by the user

Earnings Analysis

This Analytical Domain captures the income expense statement of the bank consolidated across dimensions The GL balances provided by the user are mapped to income expense reporting lines configured by the user The overheads are allocated across products in the manner parameterized by the user This AD seeks to analyze product profitability across dimensions like product responsibility center amp time and is aimed at product managers who have to take decisions on which product to support amp promote and which to drop from their portfolios

Budgeting and Planning

Most budgeting and planning applications tend to look backwards While this helps is assessing performance and in rewarding achievement it is not very useful when it comes to re-looking at plans or budgets This Analytical Domain is forward looking when it comes to budgeting planning It helps measure target achievement It also looks at the balance target for the planning period It also helps assess whether the balance target is achievable by considering the numbers achieved over the same time periods in previous years the maximum minimum and average numbers achieved over a similar time period in the previous year or twelve months Hence this AD not only measures target achievement for performance monitoring reporting and appraisal it also is proactive in providing early warning signals to managers and also provides inputs for future planning efforts

Key Indicators

This AD monitors certain key indicators as defined by the user These could include profitability liquidity and risk asset indicators

Microsoft LyncTM ushers in a new connected experience transforming every communication into an interaction that is more collaborative engaging and accessible from nearly anywhere with an Internet connection A single interface unites voice IM audio‐ video‐ and web‐conferencing into a richer more contextual offering and a single identity makes it easier and more efficient for users to find contacts check their availability and connect with them Lync works consistently with Microsoft Office enriching the experience of familiar applications like Microsoft Outlook Microsoft Word Microsoft SharePoint and more

Advantages of Microsoft LyncTM

Different types of advantages are provided through this software which ensures higher capability for the IDLC The advantages are given as follows

A) Get More Done in Less TimeThe powerful collaboration tools in Microsoft Lync help IDLC get more done in less time so IDLC can be present where and when IDLC need to be most

1) ContactsMicrosoft Lync makes it easy to keep all your contacts in one place so you can communicate more easily Contacts can be sorted by groups presence status and relationship

2) PresenceMicrosoft Lync helps employee stay connected but it also gives employee the flexibility to choose when and how employee can be contacted

3) Understanding PresenceLync provides an immediate visual representation of a contactrsquos availability or presence By simply looking at the contact list one can find everything onersquos need at a glance For example a green icon means a contact is available red means a contact is busy and yellow indicates that a contact is Away from the computer Wherever a contacts name appearsmdashin an e‐mail message or on a team site status and contact information also is displayed Presence information can be set by the contact manually or selected based on available calendar information

4) Changing employees Presence StatusChanging your presence status helps co-workers know when you are and arenrsquot available Presence is enhanced in Lync with pictures location information and additional states such as ldquoOff Workrdquo to provide more granular information about availability and communication preferences

5) Instant MessagingStarting an instant messaging (IM) session is as simple as double‐clicking a contact name from your Contact List This opens the Conversation window where one enter his IM and view responses from others

6) Use Etiquette in Instant Messaging

Instant Messaging (IM) is less intrusive than a phone call and often quicker than email Its very nature is conversational and similar to face‐to‐face discussions There are a few general etiquette rules you should keep in mind when communicating via IM

Before sending an IM check the personrsquos presence status This will help you decide if and when itrsquos appropriate to connect

Available go ahead and initiate a conversation as you your contact is willing and available Busy refrain from sending a message unless itrsquos urgent In a Call your contact may be slow to respond or may not respond at all This will vary by

person and by the nature of the call Do Not Disturb messages cannot be sent and are blocked by the system When initiating an IM itrsquos a good practice to ask if the other person if they have time to chat with

you Sometimes a person may or may not respond immediately Avoid sending multiple messages and

wait for a response to your initial IM unless it is urgent If one receives a terse response (eg in a meeting ‐ talk later) donrsquot be offended Theyrsquore just

letting you know theyre unavailable at the time According to the policy of IDLC IM conversations may be monitored or saved

B) Be at the Center of IDLC NetworkMicrosoft Lync helps connect with IDLC network of friends colleagues and partners so one can stay in touch It enables employee to communicate with contacts from federated networks including Windows Live AOL and Yahoo

1) Use Etiquette in Managing Contacts IDLC donrsquot need permission to add someone to ones Contact List however by default the person

you add to your Contact List receives an alert that you have added them If someone adds you to their Contact List you are not obligated to add them to your contact list

You can gently decline by checking the button and clicking OK

2) Use Status MessageStatus messages give employee an opportunity to quickly share more information with other employee

3) Use Emoticons in social messagesUsing emoticonsmdash graphical representations of facial expressions mdashin your messages can help provide context around the meaning behind the written words

To add an emoticon to an IM in the Conversation window of the message area place the cursor where you want to insert the emoticon Click the Emoticon button and then select an emoticon

C) Work from anywhere virtuallyWith Microsoft Lync one can be connected to the office from the road home onersquos favorite coffee shop or nearly anywhere with an Internet connection

1) Setting Your LocationMicrosoft Lync makes it easy to let others know where you are and how to reach you Microsoft Lync can automatically determine employees

2) Conferencing Options

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

1)Customer Profitability ndash Financial Analysis

Profitability depends on the difference between the Revenue earned by way of interest fees amp charges and commissions and the Costs incurred as in interest paid and direct amp indirect costs associated with the Product

This Financial Analysis Analytical Domain will consist of the different Profitability Measures

10487131048713Net Revenue from Funds (NRFF) will provide the amount of revenue generated by way of spread between the Interest rates

10487131048713The Total Income by way of Fees amp Charges and Commissions which is another major component of Revenue will also be available in this Analytical Domain

10487131048713The Customer Net Revenue which is essentially the difference between the Income (NRFF and Fee Based Income) and the Expenses incurred is a measure by which one can arrive at the Net profitability of a Customer

Profitability is computed at the Account level for each Customer The computation of profits will be specific to an Account The profitability at the Account level shall be rolled up to the Customer level to obtain the profits earned through a Customer across all his Product holdings It should be noted that a Customer could have Primary as well as Secondary holdings The profitability of an Account is computed only at the Primary holding level Thus the figures appearing in the AD will consist of the profits of a Customer for his Primary holdings only so that there is no duplication double counting with a Secondary Customer of the Account

2)Customer Profitability ndash Marketing Analysis

This AD will identify the Number of Customers falling within certain Profitability Buckets Here the Profit will be at the total level of all holdings of the Customer inclusive of Secondary holdings This analysis is done in order to identify Customer profiles that have contributed to profits and should be catered to by way of selling more products or retaining them by rewards and benefits of various kinds The Number of Primary Customers will also be made available as a measure in this AD in order to distinguish between Primary and Secondary Customers

3)Customer Profitability - Trend Analysis

This Analytical Domain will analyze the profitability of Customers across Time The importance of this AD lies in the two Dimensions Age on Book and Vintage It will indicate the period (eg No of Months) after which a Customer usually becomes profitable starts generating revenue It will help to understand how profitability changes for different product holdings over time for different Customer profiles But the biggest advantage of having these two Dimensions lies in the fact those Customers with different Vintages can be analyzed at the same Age on Book

Credit Risk

Absorbing and managing of credit risk is one of the primary functions of a financial institution in our modern economies Management of credit risk has two dimensions to it

1)Concentration Analysis - Corporate

One of the primary means of analyzing credit risk is to measure the degree of diversification across various dimensions This analytical domain aims at providing a comprehensive list of ways of computing concentrations and provides the basis of fixing and monitoring transgressions of limits set by the management of IDLC

2)Risk Migration and Pricing Analysis

One of the primary identifiers of risk quality in any financial institution is the internal credit score assigned to each loan facility Traditionally institutions treated rating as a static score but of late there has been a move to look at the dynamic multi period behavior of rating scores to better understand multi period loans While it is tempting to use overall rating migrations as the only deciding variable it needs to be combined with other economically rational dimensions like customer profile and age of the facility to analyze and ferret out the deciding variable in rating behavior Multi period averages also allow for a quantitative method to determine the reliability of the rating process on the average and by management levels This acts as an effective evaluation of the rating process The output of this Analytical Domain can be easily integrated with more advanced credit pricing models based on rating migration for loan valuation

3)Default Analysis

The default analysis allows for an alternative method to rating migration analysis for the analysis and pricing credit risk It provides the basic statistics required to implement default mode credit pricing models based on the average default probability and the dispersion of the number around the averages The AD also provides for a static look at the performance of loan accounts by number and by exposure in each of the categories The analysis can then be done at the responsibility center level for both performance evaluation and for effective comparison of loan assets performance

Enterprise Financial Reporting

In the past few years there has been a change in the quality of information required by the investing community from publicly listed companies as much as there is a growing need from diligent managers for better and more timely information to make intelligent decisions Financial data aggregated from general ledgers is no longer sufficient in a fast changing world it needs to be broken down into knowledge one can use to specify areas which are doing exceptionally well and the ones where there are problems This financial and management reporting also needs to be geographical consolidated across legal entities and in single reporting currency for meaningful enterprise wide management

Balance Sheet Analysis

This Analytical Domain provides a snapshot of the asset and liability position of the bank consolidated across various dimensions like responsibility center time scenario and product The GL Balances provided by the user are mapped to reporting lines configured by the user

Earnings Analysis

This Analytical Domain captures the income expense statement of the bank consolidated across dimensions The GL balances provided by the user are mapped to income expense reporting lines configured by the user The overheads are allocated across products in the manner parameterized by the user This AD seeks to analyze product profitability across dimensions like product responsibility center amp time and is aimed at product managers who have to take decisions on which product to support amp promote and which to drop from their portfolios

Budgeting and Planning

Most budgeting and planning applications tend to look backwards While this helps is assessing performance and in rewarding achievement it is not very useful when it comes to re-looking at plans or budgets This Analytical Domain is forward looking when it comes to budgeting planning It helps measure target achievement It also looks at the balance target for the planning period It also helps assess whether the balance target is achievable by considering the numbers achieved over the same time periods in previous years the maximum minimum and average numbers achieved over a similar time period in the previous year or twelve months Hence this AD not only measures target achievement for performance monitoring reporting and appraisal it also is proactive in providing early warning signals to managers and also provides inputs for future planning efforts

Key Indicators

This AD monitors certain key indicators as defined by the user These could include profitability liquidity and risk asset indicators

Microsoft LyncTM ushers in a new connected experience transforming every communication into an interaction that is more collaborative engaging and accessible from nearly anywhere with an Internet connection A single interface unites voice IM audio‐ video‐ and web‐conferencing into a richer more contextual offering and a single identity makes it easier and more efficient for users to find contacts check their availability and connect with them Lync works consistently with Microsoft Office enriching the experience of familiar applications like Microsoft Outlook Microsoft Word Microsoft SharePoint and more

Advantages of Microsoft LyncTM

Different types of advantages are provided through this software which ensures higher capability for the IDLC The advantages are given as follows

A) Get More Done in Less TimeThe powerful collaboration tools in Microsoft Lync help IDLC get more done in less time so IDLC can be present where and when IDLC need to be most

1) ContactsMicrosoft Lync makes it easy to keep all your contacts in one place so you can communicate more easily Contacts can be sorted by groups presence status and relationship

2) PresenceMicrosoft Lync helps employee stay connected but it also gives employee the flexibility to choose when and how employee can be contacted

3) Understanding PresenceLync provides an immediate visual representation of a contactrsquos availability or presence By simply looking at the contact list one can find everything onersquos need at a glance For example a green icon means a contact is available red means a contact is busy and yellow indicates that a contact is Away from the computer Wherever a contacts name appearsmdashin an e‐mail message or on a team site status and contact information also is displayed Presence information can be set by the contact manually or selected based on available calendar information

4) Changing employees Presence StatusChanging your presence status helps co-workers know when you are and arenrsquot available Presence is enhanced in Lync with pictures location information and additional states such as ldquoOff Workrdquo to provide more granular information about availability and communication preferences

5) Instant MessagingStarting an instant messaging (IM) session is as simple as double‐clicking a contact name from your Contact List This opens the Conversation window where one enter his IM and view responses from others

6) Use Etiquette in Instant Messaging

Instant Messaging (IM) is less intrusive than a phone call and often quicker than email Its very nature is conversational and similar to face‐to‐face discussions There are a few general etiquette rules you should keep in mind when communicating via IM

Before sending an IM check the personrsquos presence status This will help you decide if and when itrsquos appropriate to connect

Available go ahead and initiate a conversation as you your contact is willing and available Busy refrain from sending a message unless itrsquos urgent In a Call your contact may be slow to respond or may not respond at all This will vary by

person and by the nature of the call Do Not Disturb messages cannot be sent and are blocked by the system When initiating an IM itrsquos a good practice to ask if the other person if they have time to chat with

you Sometimes a person may or may not respond immediately Avoid sending multiple messages and

wait for a response to your initial IM unless it is urgent If one receives a terse response (eg in a meeting ‐ talk later) donrsquot be offended Theyrsquore just

letting you know theyre unavailable at the time According to the policy of IDLC IM conversations may be monitored or saved

B) Be at the Center of IDLC NetworkMicrosoft Lync helps connect with IDLC network of friends colleagues and partners so one can stay in touch It enables employee to communicate with contacts from federated networks including Windows Live AOL and Yahoo

1) Use Etiquette in Managing Contacts IDLC donrsquot need permission to add someone to ones Contact List however by default the person

you add to your Contact List receives an alert that you have added them If someone adds you to their Contact List you are not obligated to add them to your contact list

You can gently decline by checking the button and clicking OK

2) Use Status MessageStatus messages give employee an opportunity to quickly share more information with other employee

3) Use Emoticons in social messagesUsing emoticonsmdash graphical representations of facial expressions mdashin your messages can help provide context around the meaning behind the written words

To add an emoticon to an IM in the Conversation window of the message area place the cursor where you want to insert the emoticon Click the Emoticon button and then select an emoticon

C) Work from anywhere virtuallyWith Microsoft Lync one can be connected to the office from the road home onersquos favorite coffee shop or nearly anywhere with an Internet connection

1) Setting Your LocationMicrosoft Lync makes it easy to let others know where you are and how to reach you Microsoft Lync can automatically determine employees

2) Conferencing Options

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

Credit Risk

Absorbing and managing of credit risk is one of the primary functions of a financial institution in our modern economies Management of credit risk has two dimensions to it

1)Concentration Analysis - Corporate

One of the primary means of analyzing credit risk is to measure the degree of diversification across various dimensions This analytical domain aims at providing a comprehensive list of ways of computing concentrations and provides the basis of fixing and monitoring transgressions of limits set by the management of IDLC

2)Risk Migration and Pricing Analysis

One of the primary identifiers of risk quality in any financial institution is the internal credit score assigned to each loan facility Traditionally institutions treated rating as a static score but of late there has been a move to look at the dynamic multi period behavior of rating scores to better understand multi period loans While it is tempting to use overall rating migrations as the only deciding variable it needs to be combined with other economically rational dimensions like customer profile and age of the facility to analyze and ferret out the deciding variable in rating behavior Multi period averages also allow for a quantitative method to determine the reliability of the rating process on the average and by management levels This acts as an effective evaluation of the rating process The output of this Analytical Domain can be easily integrated with more advanced credit pricing models based on rating migration for loan valuation

3)Default Analysis

The default analysis allows for an alternative method to rating migration analysis for the analysis and pricing credit risk It provides the basic statistics required to implement default mode credit pricing models based on the average default probability and the dispersion of the number around the averages The AD also provides for a static look at the performance of loan accounts by number and by exposure in each of the categories The analysis can then be done at the responsibility center level for both performance evaluation and for effective comparison of loan assets performance

Enterprise Financial Reporting

In the past few years there has been a change in the quality of information required by the investing community from publicly listed companies as much as there is a growing need from diligent managers for better and more timely information to make intelligent decisions Financial data aggregated from general ledgers is no longer sufficient in a fast changing world it needs to be broken down into knowledge one can use to specify areas which are doing exceptionally well and the ones where there are problems This financial and management reporting also needs to be geographical consolidated across legal entities and in single reporting currency for meaningful enterprise wide management

Balance Sheet Analysis

This Analytical Domain provides a snapshot of the asset and liability position of the bank consolidated across various dimensions like responsibility center time scenario and product The GL Balances provided by the user are mapped to reporting lines configured by the user

Earnings Analysis

This Analytical Domain captures the income expense statement of the bank consolidated across dimensions The GL balances provided by the user are mapped to income expense reporting lines configured by the user The overheads are allocated across products in the manner parameterized by the user This AD seeks to analyze product profitability across dimensions like product responsibility center amp time and is aimed at product managers who have to take decisions on which product to support amp promote and which to drop from their portfolios

Budgeting and Planning

Most budgeting and planning applications tend to look backwards While this helps is assessing performance and in rewarding achievement it is not very useful when it comes to re-looking at plans or budgets This Analytical Domain is forward looking when it comes to budgeting planning It helps measure target achievement It also looks at the balance target for the planning period It also helps assess whether the balance target is achievable by considering the numbers achieved over the same time periods in previous years the maximum minimum and average numbers achieved over a similar time period in the previous year or twelve months Hence this AD not only measures target achievement for performance monitoring reporting and appraisal it also is proactive in providing early warning signals to managers and also provides inputs for future planning efforts

Key Indicators

This AD monitors certain key indicators as defined by the user These could include profitability liquidity and risk asset indicators

Microsoft LyncTM ushers in a new connected experience transforming every communication into an interaction that is more collaborative engaging and accessible from nearly anywhere with an Internet connection A single interface unites voice IM audio‐ video‐ and web‐conferencing into a richer more contextual offering and a single identity makes it easier and more efficient for users to find contacts check their availability and connect with them Lync works consistently with Microsoft Office enriching the experience of familiar applications like Microsoft Outlook Microsoft Word Microsoft SharePoint and more

Advantages of Microsoft LyncTM

Different types of advantages are provided through this software which ensures higher capability for the IDLC The advantages are given as follows

A) Get More Done in Less TimeThe powerful collaboration tools in Microsoft Lync help IDLC get more done in less time so IDLC can be present where and when IDLC need to be most

1) ContactsMicrosoft Lync makes it easy to keep all your contacts in one place so you can communicate more easily Contacts can be sorted by groups presence status and relationship

2) PresenceMicrosoft Lync helps employee stay connected but it also gives employee the flexibility to choose when and how employee can be contacted

3) Understanding PresenceLync provides an immediate visual representation of a contactrsquos availability or presence By simply looking at the contact list one can find everything onersquos need at a glance For example a green icon means a contact is available red means a contact is busy and yellow indicates that a contact is Away from the computer Wherever a contacts name appearsmdashin an e‐mail message or on a team site status and contact information also is displayed Presence information can be set by the contact manually or selected based on available calendar information

4) Changing employees Presence StatusChanging your presence status helps co-workers know when you are and arenrsquot available Presence is enhanced in Lync with pictures location information and additional states such as ldquoOff Workrdquo to provide more granular information about availability and communication preferences

5) Instant MessagingStarting an instant messaging (IM) session is as simple as double‐clicking a contact name from your Contact List This opens the Conversation window where one enter his IM and view responses from others

6) Use Etiquette in Instant Messaging

Instant Messaging (IM) is less intrusive than a phone call and often quicker than email Its very nature is conversational and similar to face‐to‐face discussions There are a few general etiquette rules you should keep in mind when communicating via IM

Before sending an IM check the personrsquos presence status This will help you decide if and when itrsquos appropriate to connect

Available go ahead and initiate a conversation as you your contact is willing and available Busy refrain from sending a message unless itrsquos urgent In a Call your contact may be slow to respond or may not respond at all This will vary by

person and by the nature of the call Do Not Disturb messages cannot be sent and are blocked by the system When initiating an IM itrsquos a good practice to ask if the other person if they have time to chat with

you Sometimes a person may or may not respond immediately Avoid sending multiple messages and

wait for a response to your initial IM unless it is urgent If one receives a terse response (eg in a meeting ‐ talk later) donrsquot be offended Theyrsquore just

letting you know theyre unavailable at the time According to the policy of IDLC IM conversations may be monitored or saved

B) Be at the Center of IDLC NetworkMicrosoft Lync helps connect with IDLC network of friends colleagues and partners so one can stay in touch It enables employee to communicate with contacts from federated networks including Windows Live AOL and Yahoo

1) Use Etiquette in Managing Contacts IDLC donrsquot need permission to add someone to ones Contact List however by default the person

you add to your Contact List receives an alert that you have added them If someone adds you to their Contact List you are not obligated to add them to your contact list

You can gently decline by checking the button and clicking OK

2) Use Status MessageStatus messages give employee an opportunity to quickly share more information with other employee

3) Use Emoticons in social messagesUsing emoticonsmdash graphical representations of facial expressions mdashin your messages can help provide context around the meaning behind the written words

To add an emoticon to an IM in the Conversation window of the message area place the cursor where you want to insert the emoticon Click the Emoticon button and then select an emoticon

C) Work from anywhere virtuallyWith Microsoft Lync one can be connected to the office from the road home onersquos favorite coffee shop or nearly anywhere with an Internet connection

1) Setting Your LocationMicrosoft Lync makes it easy to let others know where you are and how to reach you Microsoft Lync can automatically determine employees

2) Conferencing Options

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

Enterprise Financial Reporting

In the past few years there has been a change in the quality of information required by the investing community from publicly listed companies as much as there is a growing need from diligent managers for better and more timely information to make intelligent decisions Financial data aggregated from general ledgers is no longer sufficient in a fast changing world it needs to be broken down into knowledge one can use to specify areas which are doing exceptionally well and the ones where there are problems This financial and management reporting also needs to be geographical consolidated across legal entities and in single reporting currency for meaningful enterprise wide management

Balance Sheet Analysis

This Analytical Domain provides a snapshot of the asset and liability position of the bank consolidated across various dimensions like responsibility center time scenario and product The GL Balances provided by the user are mapped to reporting lines configured by the user

Earnings Analysis

This Analytical Domain captures the income expense statement of the bank consolidated across dimensions The GL balances provided by the user are mapped to income expense reporting lines configured by the user The overheads are allocated across products in the manner parameterized by the user This AD seeks to analyze product profitability across dimensions like product responsibility center amp time and is aimed at product managers who have to take decisions on which product to support amp promote and which to drop from their portfolios

Budgeting and Planning

Most budgeting and planning applications tend to look backwards While this helps is assessing performance and in rewarding achievement it is not very useful when it comes to re-looking at plans or budgets This Analytical Domain is forward looking when it comes to budgeting planning It helps measure target achievement It also looks at the balance target for the planning period It also helps assess whether the balance target is achievable by considering the numbers achieved over the same time periods in previous years the maximum minimum and average numbers achieved over a similar time period in the previous year or twelve months Hence this AD not only measures target achievement for performance monitoring reporting and appraisal it also is proactive in providing early warning signals to managers and also provides inputs for future planning efforts

Key Indicators

This AD monitors certain key indicators as defined by the user These could include profitability liquidity and risk asset indicators

Microsoft LyncTM ushers in a new connected experience transforming every communication into an interaction that is more collaborative engaging and accessible from nearly anywhere with an Internet connection A single interface unites voice IM audio‐ video‐ and web‐conferencing into a richer more contextual offering and a single identity makes it easier and more efficient for users to find contacts check their availability and connect with them Lync works consistently with Microsoft Office enriching the experience of familiar applications like Microsoft Outlook Microsoft Word Microsoft SharePoint and more

Advantages of Microsoft LyncTM

Different types of advantages are provided through this software which ensures higher capability for the IDLC The advantages are given as follows

A) Get More Done in Less TimeThe powerful collaboration tools in Microsoft Lync help IDLC get more done in less time so IDLC can be present where and when IDLC need to be most

1) ContactsMicrosoft Lync makes it easy to keep all your contacts in one place so you can communicate more easily Contacts can be sorted by groups presence status and relationship

2) PresenceMicrosoft Lync helps employee stay connected but it also gives employee the flexibility to choose when and how employee can be contacted

3) Understanding PresenceLync provides an immediate visual representation of a contactrsquos availability or presence By simply looking at the contact list one can find everything onersquos need at a glance For example a green icon means a contact is available red means a contact is busy and yellow indicates that a contact is Away from the computer Wherever a contacts name appearsmdashin an e‐mail message or on a team site status and contact information also is displayed Presence information can be set by the contact manually or selected based on available calendar information

4) Changing employees Presence StatusChanging your presence status helps co-workers know when you are and arenrsquot available Presence is enhanced in Lync with pictures location information and additional states such as ldquoOff Workrdquo to provide more granular information about availability and communication preferences

5) Instant MessagingStarting an instant messaging (IM) session is as simple as double‐clicking a contact name from your Contact List This opens the Conversation window where one enter his IM and view responses from others

6) Use Etiquette in Instant Messaging

Instant Messaging (IM) is less intrusive than a phone call and often quicker than email Its very nature is conversational and similar to face‐to‐face discussions There are a few general etiquette rules you should keep in mind when communicating via IM

Before sending an IM check the personrsquos presence status This will help you decide if and when itrsquos appropriate to connect

Available go ahead and initiate a conversation as you your contact is willing and available Busy refrain from sending a message unless itrsquos urgent In a Call your contact may be slow to respond or may not respond at all This will vary by

person and by the nature of the call Do Not Disturb messages cannot be sent and are blocked by the system When initiating an IM itrsquos a good practice to ask if the other person if they have time to chat with

you Sometimes a person may or may not respond immediately Avoid sending multiple messages and

wait for a response to your initial IM unless it is urgent If one receives a terse response (eg in a meeting ‐ talk later) donrsquot be offended Theyrsquore just

letting you know theyre unavailable at the time According to the policy of IDLC IM conversations may be monitored or saved

B) Be at the Center of IDLC NetworkMicrosoft Lync helps connect with IDLC network of friends colleagues and partners so one can stay in touch It enables employee to communicate with contacts from federated networks including Windows Live AOL and Yahoo

1) Use Etiquette in Managing Contacts IDLC donrsquot need permission to add someone to ones Contact List however by default the person

you add to your Contact List receives an alert that you have added them If someone adds you to their Contact List you are not obligated to add them to your contact list

You can gently decline by checking the button and clicking OK

2) Use Status MessageStatus messages give employee an opportunity to quickly share more information with other employee

3) Use Emoticons in social messagesUsing emoticonsmdash graphical representations of facial expressions mdashin your messages can help provide context around the meaning behind the written words

To add an emoticon to an IM in the Conversation window of the message area place the cursor where you want to insert the emoticon Click the Emoticon button and then select an emoticon

C) Work from anywhere virtuallyWith Microsoft Lync one can be connected to the office from the road home onersquos favorite coffee shop or nearly anywhere with an Internet connection

1) Setting Your LocationMicrosoft Lync makes it easy to let others know where you are and how to reach you Microsoft Lync can automatically determine employees

2) Conferencing Options

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

This AD monitors certain key indicators as defined by the user These could include profitability liquidity and risk asset indicators

Microsoft LyncTM ushers in a new connected experience transforming every communication into an interaction that is more collaborative engaging and accessible from nearly anywhere with an Internet connection A single interface unites voice IM audio‐ video‐ and web‐conferencing into a richer more contextual offering and a single identity makes it easier and more efficient for users to find contacts check their availability and connect with them Lync works consistently with Microsoft Office enriching the experience of familiar applications like Microsoft Outlook Microsoft Word Microsoft SharePoint and more

Advantages of Microsoft LyncTM

Different types of advantages are provided through this software which ensures higher capability for the IDLC The advantages are given as follows

A) Get More Done in Less TimeThe powerful collaboration tools in Microsoft Lync help IDLC get more done in less time so IDLC can be present where and when IDLC need to be most

1) ContactsMicrosoft Lync makes it easy to keep all your contacts in one place so you can communicate more easily Contacts can be sorted by groups presence status and relationship

2) PresenceMicrosoft Lync helps employee stay connected but it also gives employee the flexibility to choose when and how employee can be contacted

3) Understanding PresenceLync provides an immediate visual representation of a contactrsquos availability or presence By simply looking at the contact list one can find everything onersquos need at a glance For example a green icon means a contact is available red means a contact is busy and yellow indicates that a contact is Away from the computer Wherever a contacts name appearsmdashin an e‐mail message or on a team site status and contact information also is displayed Presence information can be set by the contact manually or selected based on available calendar information

4) Changing employees Presence StatusChanging your presence status helps co-workers know when you are and arenrsquot available Presence is enhanced in Lync with pictures location information and additional states such as ldquoOff Workrdquo to provide more granular information about availability and communication preferences

5) Instant MessagingStarting an instant messaging (IM) session is as simple as double‐clicking a contact name from your Contact List This opens the Conversation window where one enter his IM and view responses from others

6) Use Etiquette in Instant Messaging

Instant Messaging (IM) is less intrusive than a phone call and often quicker than email Its very nature is conversational and similar to face‐to‐face discussions There are a few general etiquette rules you should keep in mind when communicating via IM

Before sending an IM check the personrsquos presence status This will help you decide if and when itrsquos appropriate to connect

Available go ahead and initiate a conversation as you your contact is willing and available Busy refrain from sending a message unless itrsquos urgent In a Call your contact may be slow to respond or may not respond at all This will vary by

person and by the nature of the call Do Not Disturb messages cannot be sent and are blocked by the system When initiating an IM itrsquos a good practice to ask if the other person if they have time to chat with

you Sometimes a person may or may not respond immediately Avoid sending multiple messages and

wait for a response to your initial IM unless it is urgent If one receives a terse response (eg in a meeting ‐ talk later) donrsquot be offended Theyrsquore just

letting you know theyre unavailable at the time According to the policy of IDLC IM conversations may be monitored or saved

B) Be at the Center of IDLC NetworkMicrosoft Lync helps connect with IDLC network of friends colleagues and partners so one can stay in touch It enables employee to communicate with contacts from federated networks including Windows Live AOL and Yahoo

1) Use Etiquette in Managing Contacts IDLC donrsquot need permission to add someone to ones Contact List however by default the person

you add to your Contact List receives an alert that you have added them If someone adds you to their Contact List you are not obligated to add them to your contact list

You can gently decline by checking the button and clicking OK

2) Use Status MessageStatus messages give employee an opportunity to quickly share more information with other employee

3) Use Emoticons in social messagesUsing emoticonsmdash graphical representations of facial expressions mdashin your messages can help provide context around the meaning behind the written words

To add an emoticon to an IM in the Conversation window of the message area place the cursor where you want to insert the emoticon Click the Emoticon button and then select an emoticon

C) Work from anywhere virtuallyWith Microsoft Lync one can be connected to the office from the road home onersquos favorite coffee shop or nearly anywhere with an Internet connection

1) Setting Your LocationMicrosoft Lync makes it easy to let others know where you are and how to reach you Microsoft Lync can automatically determine employees

2) Conferencing Options

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

Instant Messaging (IM) is less intrusive than a phone call and often quicker than email Its very nature is conversational and similar to face‐to‐face discussions There are a few general etiquette rules you should keep in mind when communicating via IM

Before sending an IM check the personrsquos presence status This will help you decide if and when itrsquos appropriate to connect

Available go ahead and initiate a conversation as you your contact is willing and available Busy refrain from sending a message unless itrsquos urgent In a Call your contact may be slow to respond or may not respond at all This will vary by

person and by the nature of the call Do Not Disturb messages cannot be sent and are blocked by the system When initiating an IM itrsquos a good practice to ask if the other person if they have time to chat with

you Sometimes a person may or may not respond immediately Avoid sending multiple messages and

wait for a response to your initial IM unless it is urgent If one receives a terse response (eg in a meeting ‐ talk later) donrsquot be offended Theyrsquore just

letting you know theyre unavailable at the time According to the policy of IDLC IM conversations may be monitored or saved

B) Be at the Center of IDLC NetworkMicrosoft Lync helps connect with IDLC network of friends colleagues and partners so one can stay in touch It enables employee to communicate with contacts from federated networks including Windows Live AOL and Yahoo

1) Use Etiquette in Managing Contacts IDLC donrsquot need permission to add someone to ones Contact List however by default the person

you add to your Contact List receives an alert that you have added them If someone adds you to their Contact List you are not obligated to add them to your contact list

You can gently decline by checking the button and clicking OK

2) Use Status MessageStatus messages give employee an opportunity to quickly share more information with other employee

3) Use Emoticons in social messagesUsing emoticonsmdash graphical representations of facial expressions mdashin your messages can help provide context around the meaning behind the written words

To add an emoticon to an IM in the Conversation window of the message area place the cursor where you want to insert the emoticon Click the Emoticon button and then select an emoticon

C) Work from anywhere virtuallyWith Microsoft Lync one can be connected to the office from the road home onersquos favorite coffee shop or nearly anywhere with an Internet connection

1) Setting Your LocationMicrosoft Lync makes it easy to let others know where you are and how to reach you Microsoft Lync can automatically determine employees

2) Conferencing Options

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

Microsoft Lync offers robust conferencing options including IM audio‐ video‐ and web‐conferences giving you many collaboration tools to be more successful Lync is all you need for all types of meetings both scheduled and spontaneous And simple ldquowater‐coolerrdquo IM conversations can be escalated to an audio conference with desktop sharing among members instantly easily and without interrupting the conversation flow

3) Meet Conferences Employee can start conferences using IM audio video or desktop sharing capabilities

4) Unscheduled audio conference calls an ad‐hoc conference call can be started by adding additional users to an existing call or by starting a call by selecting multiple contacts in the contact list

From the contact list select multiple contacts hold the CTRL key and then select the contacts that you want to call Right‐click the last contact and then select Start a Conference Call

5) Video conferencing with Lync employee can integrate video into conferences by using a webcam To start a video conference with multiple contacts In the Contact List hold the CTRL key and

then select the contacts that you want to invite Right‐click the last contact and then click Start a Video Call

6) Application amp Document SharingApplication and document sharing allows to broadcast any visuals applications Web pagesdocuments software or part of your desktop to remote participants in real time right from Lync

D) Unify the CommunicationsMicrosoft Lync brings together all of the communications needs into one place simplifying communication

1) Managing voice calls

In IDLC employee can use Lync to make one‐click phone calls to contacts in other employee using the Calling Options arrow to the right of the call button gives you additional ways to communicate with a contact

2) Video CallsOne can easily make video calls to contacts with other colleague through this software In this case you see the callerrsquos video stream but no video is transmitted from you

3) Managing DevicesLync lets one switch forward or transfer calls to other devices while on the call without disruption to the conversation

4) Forwarding CallsLync offers several options for automatically forwarding incoming calls For example you can forward calls to your Voice Mail one of your other phone numbers or another person

5) Presence in Office applications

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

Presence is integrated throughout Office 2010 including Outlook SharePoint Word PowerPoint Excelreg and Outlook Hovering over presence icon displays the contact card with photo presence information and one‐click connect options Word SmartTags also have presence capability

6) Co‐authoringIn Word and PowerPoint users can see presence information and click to communicate from within the document to initiate a co‐authoring session Other users can be brought into the session just as easily

IT infrastructure of IDLC

Intranet

Every branch of IDLC has an intranet which facilitates with cluster of all of its members and employees For intranet facility all can communicate with each other and can share information among themselves

Mail service

IDLC provides its clients with mail service that eases the transaction activities through mailing The members and clients can transact and operate their activities through mailing easily In this process real time communication is not mandatory They can get information whenever they check the mail in a day

Security system

IDLC has the door lock system to protect the unexpected intrusion The permitted persons are provided with entry card which is automated with the lock system Persons put the entry card in front of the lock and the door automatically be opened

IDLC has Close circuit camera in its every floor and in sensitive places of the office

IDLC has fire extinguisher in its every floor to take protection for the fire incidence and it has censor to awake and give signals to its employees in time of danger

Blue chip software of IDLC

Blue chip means the regular transactional and operational activities of the stock market members for their back office management IDLC maintains blue chip software to operate and transact with their members It is a set of scalable robust and functionally rich Broker Back Office Management Software deployed on industry standard centralized amp web-enabled server technologies IDLC designed to support the broker and dealer to maintain all the new business requirements There is no limit to the number of people using blue chip in the organization IDLC is continually developing their blue chip system based on input from its users and they will carry on improving it until all agreeAs of now 47 Broker Houses have been conducting their businesses by using BlueChip and the number is growing

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

Blue chip is focused on the IDLCrsquos back office business drivers for their operation in assisting the Broker Houses to

improving operational efficiency and effectiveness reducing operational expenditures improving productivity and profitability improving customer service enhancing the availability of management information

IDLC has a team of skilled and motivated software development and support engineers who are carefully hand-picked and meticulously groomed using their rich knowledge sharing system and engineering processThe offered services of BlueChip will help IDLC meet the challenges of dealing with increasing business complexity while keeping up with the pressure of business growth and ensuring reliability and predictability of post-production system behavior With this need in mind leveraging their considerable depth of Capital Market domain expertise their track record of successful development project deployments in this domain On the top of it they also bring to bear otherrsquos experience in working within regulatory frameworks especially in Capital Market where operational risk is subject to regulatory review and control

Boosting IDLCrsquos Productivity and Profitability

Blue chip automates back office processes and provides IDLC with the smart reporting to manage the growth of the brokerage efficiently and effectively BlueChip eliminates manual interventions to increase productivity in back office operations minimizing costly process exceptions and reducing undesired exposure of financial risks By these processes bluechip increases profitability of IDLC

SANs Simplify Some Management TasksA Storage Area Network or SAN is a high-speed network of storage devices that also connects those storage devices with servers It provides block-level storage that can be accessed by the applications running on any networked servers SAN storage devices can include tape libraries and more commonly disk-based devices like RAID hardware

IDLC maintains SANs which are particularly helpful in backup and disaster discovery settings Within a

SAN IDLC can transfer data from one storage device to another without interacting with a server This

speeds up the backup process of IDLC and eliminates the need to use IDLCrsquos server CPU cycles for

backup Also SANs utilize IDLC with fibre channel technology or other networking protocols that allow

the networks of IDLC to span longer distances geographically that makes it more feasible for IDLC to

keep their backup data in remote locations

Utilizing a SAN IDLC can also simplify some management tasks potentially allowing organizations to hire

fewer IT workers or to free up some IT workers for other tasks Its also possible to boot servers from a

SAN which can reduce the time and hassles involved in replacing a server of IDLC

SAN Implementation

To set up a simple SAN IDLC needed only three major components a SAN switch a storage device and a

server IDLC also required cables to connect the various elements together and SAN management

software In most real-world settings a SAN includes many different switches storage devices and

servers and it will likely also include routers bridges and gateways to extend the SAN over large areas

and to connect to other parts of the data center network The SANs topology will depend on its size and

the needs of the organization

The process of deploying a SAN requires several steps First IDLC needs to design their SAN taking into

account their current needs and future scalability requirements Second IDLCll need to select a vendor

or vendors to provide the hardware and software itll need as well as any related services Next IDLCll

install the necessary hardware and then install and configure the software for managing their SAN

Deploying a SAN is a complicated process that often requires specialized knowledge and a great deal of

planning particularly if their SAN is very large IDLC has a strong expert panel to update install and

maintain existing and new softwares

Understanding the benefits of a SAN by IDLC

The benefits of using a SAN by IDLC are many because a SAN usually has a very high return on investment makes the total cost of ownership of computing less and has a pay-back period based in months instead of years

Following is a list of just some of the ways IDLC can expect a SAN to be beneficial

Removes the distance limits of SCSI-connected disks The maximum length of a SCSI bus is around 25 meters Fibre Channel SANs allow to connect IDLCrsquos disks to IDLCrsquos servers over much greater distances

Greater performance Fibre Channel SANs allow connection to disks at up to 200 megabytes per second today with speeds of up to 1 gigabyte per second in the near future

Increased disk utilization SAN enables more than one server to access the same physical disk which lets IDLC allocate the free space on those disks more effectively

Higher availability to storage by use of multiple access paths A SAN allows IDLC for multiple physical connections to disks from a single or multiple servers

Deferred disk procurement Because IDLC can use disk space more effectively no space goes to waste thus IDLC doesnt need to buy disks as often as IDLC used to

Reduced data center rackfloor space Because IDLC doesnt need to buy big servers with room for lots of disks IDLC can buy fewer smaller servers which takes up less room

New disaster recovery capabilities This is a major benefit SAN devices have the ability to mirror the data on the disks to another location This can make IDLCrsquos data safe if a disaster occurs

Online recovery By using online mirrors of IDLCrsquos data in a SAN device IDLC can instantly recover IDLCrsquos data if it becomes corrupt

Better staff utilization SANs enable IDLC to manage much more data

• Customer Relationship Management
• Customer Profitability Reporting
• • 1)Customer Profitability ndash Financial Analysis
  • 2)Customer Profitability ndash Marketing Analysis
  • 3)Customer Profitability - Trend Analysis
  • • Credit Risk
    • • 1)Concentration Analysis - Corporate
      • 2)Risk Migration and Pricing Analysis
      • 3)Default Analysis
      • • Enterprise Financial Reporting
        • • Balance Sheet Analysis
          • Earnings Analysis
          • Budgeting and Planning
          • Key Indicators
          • Boosting IDLCrsquos Productivity and Profitability
          • • SANs Simplify Some Management Tasks
            • SAN Implementation
            • Understanding the benefits of a SAN by IDLC

Deferred disk procurement Because IDLC can use disk space more effectively no space goes to waste thus IDLC doesnt need to buy disks as often as IDLC used to

Reduced data center rackfloor space Because IDLC doesnt need to buy big servers with room for lots of disks IDLC can buy fewer smaller servers which takes up less room

New disaster recovery capabilities This is a major benefit SAN devices have the ability to mirror the data on the disks to another location This can make IDLCrsquos data safe if a disaster occurs

Online recovery By using online mirrors of IDLCrsquos data in a SAN device IDLC can instantly recover IDLCrsquos data if it becomes corrupt

Better staff utilization SANs enable IDLC to manage much more data

• Customer Relationship Management
• Customer Profitability Reporting
• • 1)Customer Profitability ndash Financial Analysis
  • 2)Customer Profitability ndash Marketing Analysis
  • 3)Customer Profitability - Trend Analysis
  • • Credit Risk
    • • 1)Concentration Analysis - Corporate
      • 2)Risk Migration and Pricing Analysis
      • 3)Default Analysis
      • • Enterprise Financial Reporting
        • • Balance Sheet Analysis
          • Earnings Analysis
          • Budgeting and Planning
          • Key Indicators
          • Boosting IDLCrsquos Productivity and Profitability
          • • SANs Simplify Some Management Tasks
            • SAN Implementation
            • Understanding the benefits of a SAN by IDLC