A bank is a financial organization
where people deposit their money to
keep it safe.
 Core banking is all about knowing customers' needs.
Provide them with the right products at the right time
through the right channels 24 hours a day, 7 days a week.
 Branch 2

Branch 3
Branch 1

Head Office

Branch 7

Branch 4

Branch 5 Branch 6
•Internet banking

•ATMs

•MOBILE
BANKING
Components of CBS:

Major components of a core banking solution

are:

• Data centre

• Network connectivity

•Delivery channels

• CBS application software

• Hardware at branch and data centre

• Disaster recovery site

CBS Architecture
 Branches Datacenter

Application Developers

Desktops,
Branch Core-Banking
Servers Application

WAN, OS, Database

WAN,
Internet
Internet
Alternative Internet-Banking
Channels
ATM

Branch User/Admins Network Administrators System Administrators

ELITEX-2008 8
 How shall CBS help Customers?

All CBS branches are inter-connected with each other. Therefore,

Customers of CBS branches can avail various banking facilities
from any other CBS branch located any where in the world. These
services are:

•To make enquiries about the balance; debit or credit entries in the
account.

•To obtain cash payment out of his account by tendering a cheque.

•To deposit a cheque for credit into his account.

•To deposit cash into the account.

•To deposit cheques / cash into account of some other

person who has account in a CBS branch.

•To get statement of account.

•To transfer funds from his account to some other account –

his own or of third party, provided both accounts are in CBS
branches.

•To obtain Demand Drafts or Banker’s Cheques from any

branch on CBS – amount shall be online debited to his
account.

•Customers can continue to use ATMs and other Delivery

Channels, which are also interfaced with CBS platform.
Key Features of the System:

•24X7 Banking

•Anywhere Banking

•Strengthening MIS

•Integration with strategic sectors

•Runs in Real Time Update Mode

•Allows Faster New Product Developments

1908:  Maharaja Sayajirao Gaekwad

First branch Ahemdabad

Present Chairmen & MD:- M Devdas Mallya 

As of March 2009, the bank deposits worth Rs. 1,24,915

Crores

3200+ branches located worldwide.

1. Difficulty to retain old Customers.
2. Handling Large volume of customer data.
3. Competing with new players.
4. Securing its data base from Professional
hackers.
Bank’s IT-enabled Business Transformation
Programme.
Roll out of Core Banking Solution (CBS)
Wide Area Network (WAN) - Networking of Branches under CBS
Branch Computerization with (single window)
ATM Network
Tele-Banking, e-Banking at any branch
Information based Internet & Mobile Banking (SMS) services
 For implementation of Core Banking Solution, which will be a
single solution across all the countries where the Bank is operating,
the Bank has tied up with a world-class System Integrator – Hewlett
Packard. 

This CBS is a comprehensive solution incorporating various

applications like :-
1. Enterprise wide General Ledger
2. Risk Management
3. Centralized Fund Management System (CFMS)
4. Cheque Truncation
5. Credit Cards
6. Mutual Funds
7. On-line Trading

3136 branches across the country have

gone live under CBS
 BOB - Data Centre (DC) in Mumbai

It provide solution and other applications in 1900+ branches

across India and 23 other counties where the Bank is operating.

The Data Centre functions as a central data hub of the Bank for
both its domestic and international market

BOB’s technology standards are equipped with full

Communication and Network Infrastructure meeting all the
attributes of a Tier III Data Centre and have certificated by
“BS 7799”.
3-Tier Architecture
 Large Network as backbone for connectivity across the
country
 Multiple Service Providers for providing the links – BSNL,
MTNL, Reliance ,Tata & CISCO
 Multiple Technologies to support the networking
infrastructure – Leased lines, Dial-up, CDMA & VSATs.

1100+ branches in India have been networked.

Data collected :
Official website - www.bankofbaroda.com