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eBusiness

Oct.2011

e-Business from corporates and SME perspective


February 22, 2011 eBusiness 1

eBusiness
Engines of e-Biz ATMs Debit Cards/ Visa platinum Baroda Connect :Net Banking M-Connect (Mobile Banking) Baroda e-Gateway (Internet Payment Gateway) Phone Banking NEFT/ RTGS/ECS/NECS

eBusiness
Engines of e-Biz
Depository Services Gold Coins Baroda Cash Management Services SMS Gateway Branch Automation - QMS/CDM Pre-paid Gift Cards CRIS Railway freight payment Contact Centers at Lucknow & Baroda (Lucknow Contact Centre functioning w.e.f. 18/08/11)

eBusiness
Components to follow
Other variants of Pre-paid cards like travel card, student card etc. ATMs NEFT, Biometric features, Mini-statement/ PIN change other bank ATMs, Maestro/ gold debit cards Online recharge of mobiles, Tata Sky, cinema tickets etc directly from BOB web site. Branch/ATMs location tags on Google Map

eBusiness
Where we stand
Channel
ATM - Our cust/ our ATM - Other bank cust our ATM ( - Out cust/ other ATM) Baroda Connect Mobile banking Total ADC Txns RTGS- Inward -Outward NEFT- Inward -Outward ECS NECS BCMS 4.774 6,516 7,674 3,105 21,147 7,270 -2,50,762

Txns, Average per day


March,10 March 11 Sept 11

1,77,591 1,72,899 1,31,776 12,119 -3,62,609 5,793 7,235 17,035 8,015 37,268 8,484 2000

1,65,592 1,66,529 1,73,487 13,413 1900 3,45,534 4,910 6,632 18,722 8,684 51,118 7,958 3700 5

eBusiness
Avenues for non-int income
Revenue Channel Profit (Mar,11) (Rs. In Crs.)
Interchange (Debit cards)- Paid Master/VISA earning -POS earning Debit card annual/ renewal charges Payment Gateway (MDR) Gold coins- Net profit RTGS NEFT BCMS Demat Govt. Business @25 per txn e-Shoppe @Rs.100/- pa 0.03 9.23 6.29 0.73 0.38 1.76 @Rs.25/- txn 0.22 6 6.26 2.28 5.13

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

eBusiness
Baroda Connect .
Country wide launch on 14.09.2006 Users and linked accounts as on 30.06.2011 (Fig in lacs) No. of Users No. of Linked
accounts 15.12 9.24 24.36 Baroda Connect 4.83 1.46 Retail Corporate Total 4.83 1.46 6.29 Finacle / CBS Retail Customer Corporate Customer 228.56 24.95

eBusiness
Baroda connectwhat we offer
Round the Clock any where online banking. Online fund transfer within BOB & to other Bank (NEFT24X7, RTGS). FREE Direct / Indirect tax payment and instant TAX receipt. FREE online RAIL / AIR ticket booking. FREE Online subscription of IPO/FPO/Right issue through ASBA. For issue of Cheque book . FREE Bill presentment | Bill Payment | On line Shopping | Receive and view bills online | Alert on pending bills. FREE on line fees payment of more than 125 Schools & Institutions.
E_Biz_230611_260611\Institutional fee140611\INSTITUTION_FEE_COLLECTION_CBS_OperationManual.pdf

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

eBusiness
Sale of GOLD Coins
Sale of Gold coins launched on 23.10.2007
Particulars Gold Coins Sold (Kg) 31/03/11 (Annual) 730.01 30/06/11 226.21

Profit Earned(Rs. 9.23 In Cr) No. of POS (cumulative) 1533

3.19

1545

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


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eBusiness
Baroda M-Connect Banking in pocket..
FEATURES: All India launch 31/05/2011 All hand sets supported (except i-phone) SMS/GPRS enabled IMPS to be enabled huge potential from receiving end Simple process of registration through ATM

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

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eBusiness
Baroda e-Gateway (IPG)
Our Bank is Pioneer amongst PSU banks Facilitate merchant to sell products online and collect funds from consumer securely. Merchant should have a website to showcase their product and Bank shall arrange setting up of payment infrastructure Interface between merchant and consumer for secured payment using Credit/Debit Card. Highly secured All Card details are encrypted to safeguard the interest of consumer. Payment to merchant is given on the next working day in the designated account
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eBusiness
Baroda e-Gateway (IPG)
Target Group: Tours/ Travel operators Hotels Educational institutions Online retailers. Garment/Designer clothing companies Govt/Non-Govt organisations. Utility payments Bank charges the merchant with: Setup Fee Merchant Discount Rate (MDR) @2.5% Security Deposit
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eBusiness
Baroda e-Gateway (IPG)
Started commercial operation in July 2010 105+ merchants till Oct.2011 Monthly turnover of around 2 crores No pending refund, chargeback or claim Up-to-date accounting & reconciliation

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eBusiness : Cash Management Services


BARODA CASH MANAGEMENT SERVICES (BCMS) Funds Management System for corporate and SME customer providing functionalities of Collection Payment Liquidity Management

COLLECTION MODULE

eBusiness : Cash Management Services

eBusiness : Cash Management Services PAYMENT MODULE

eBusiness : Cash Management Services


LIQUIDITY MANAGEMENT MODULE
Sweeping facility pooling of funds in concentration account Reverse sweep- funding different accounts through Concentration account at specified time (Beginning of Day).

eBusiness : Cash Management Services

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


(Rs. in crores)

Collection Module (Paper Based)


1.4.2010 to 31.3.2011 1.4.2011 TO 30.9.2011

No..

Product

No. of txns 25 k 1k 26 k

Amount

No. of txns 13 k 1k 14 k

Amount

1. Local Clearing 2. House Cheques TOTAL

393.70 11.26 404.96

290.78 2.04 292.82

eBusiness : Cash Management Services


Collection Module (DDI Mandate)
1.4.2010 to 31.3.2011 No. of txns 2.27 Lacs Amount
(Rs.Cr)

1.4.2011 to 30.9.2011 No. of txns 1.81 Lacs Amount 379.16


(Rs.in Cr)

643.73

Total Mandate for DDI Collection registered up to 30.09.2011 is 82113. Mandate registered during September 2011 10412

ollection Module (Paper less transactions)


Name of the customers availing Paperless Collection Module (DDI Collection)
1. M/s. 2. M/s. 3. M/s. 4. M/s. 5. M/s. 6. M/s. 7. M/s. 8. M/s. 9. M/s. 10.M/s. Hindustan Unilever Ltd. Tata Motors Ltd. Tata Capital Ltd. Fullerton India Credit Ltd. Tech Process Solutions Ltd. Bajaj Auto Finance Ltd. Bajaj Finance Ltd. Bajaj Finserv Lending India First Life Insurance Ltd. Reliance Mutual Fund

eBusiness : Cash Management Services

Collection Module (Paper Based)


No. Name of the Service Branch 1 2 3 4 5 6 7 8 9 10 11 Ahmedabad Lucknow Varanasi Baroda Surat Pune Jaipur Chennai Hyderabad Bangalore New Delhi
25th October 2011

eBusiness : Cash Management Services


Starting date 16.07.2009 05.11.2009 09.11.2009 16.11.2009 17.11.2009 23.11.2009 26.11.2009 02.12.2009 21.12.2009 11.01.2010 30.03.2011

ollection Module is launched at following Service Branches:-

ollection Module (Paper less transactions)


Name of the customers availing Paperless Collection Module (DDI Collection)
1. M/s. 2. M/s. 3. M/s. 4. M/s. 5. M/s. 6. M/s. 7. M/s. 8. M/s. 9. M/s. 10.M/s. Hindustan Unilever Ltd. Tata Motors Ltd. Tata Capital Ltd. Fullerton India Credit Ltd. Tech Process Solutions Ltd. Bajaj Auto Finance Ltd. Bajaj Finance Ltd. Bajaj Finserv Lending India First Life Insurance Ltd. Reliance Mutual Fund

eBusiness : Cash Management Services

25th October 2011

Collection Module (Paper Based)

eBusiness : Cash Management Services

The Collection Module in BCMS (for local clearing) is started w.e.f. 17.02.2009 at COH, Mumbai.
Name of the customers availing Paper Based Products Collection Module 1. Siyaram Silk Mills Ltd. 2. SES Technologies Ltd. 3. Gujarat State Fertilizer Corporation (GSFC) 4. Vimal Oils & Products Ltd. 5. Heritage Hospitals Ltd. 6. Vinayak Bajaj 7. Bhima Steel and Cement Corporation 8. Mitra Agencies 9. JVL Agro Industries Ltd. 10. Orange Auto Pvt. Ltd. 11. Prabha Traders Silk Sarees Ltd. 12. Varun Motors Pvt. Ltd. 13. SJMC Hospital
25th October 2011

eBusiness : Cash Management Services


(Rs. in crores)

Payment Module.contd

1.4.2010 to 31.3.2011
S. Product No. of Txns Amount

1.4.2011 to 30.9.2011
No. of Txns Amount

1. IFT 2. NEFT 3. RTGS TOTAL

495 k 251 k 9k 755 k

1003.74 327.01 8647.04 9977.79

194 k 120 k 3k 317 k

483.44 216.61 959.87 1659.92

eBusiness : Cash Management Services


Name of the customers availing Electronic Products Payment Module (Paperless transactions)
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. Aegis Logistics Ltd. AWMH Maharashtra Birla Sun-Life Asset Mgmt Co. Ltd. Bobcards Ltd. Calchem India Ltd. Centre for Advanced Research & Training Choksi Imaging Ltd. Contractor Nayak & Kishnadwala Damodar Threads Graham Flow Pack P. Ltd. GTL Infrastructure Ltd. India First Life Insurance Jaimurti Mineral & Chemical Ltd. Jenburkt Pharmaceuticals Ltd. Life Insurance Corporation (3 Branches) Maharashtra State Electric Distribution Co Ltd. (Kalyan Division)

Payment Module.contd

25th October 2011

eBusiness : Cash Management Services


Payment Module.contd
17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. Manisha Pharma Ministry of Health & Family Welfare (MHFW) Municipal Commissioner, Jabalpur Municipal Corporation, Jabalpur Nandan Impex Ltd. Nandan Petro Chem Ltd. National Insurance Co. Ltd. (2 Branches) Nutrahelix Biotech Pvt. Ltd. Oriental Insurance Co. Ltd. Railway North West Ajmer Railway Workshop - Ajmer Rajasthan State Aids Control Society Rajasthan State Health Society Reliance Capital Asset Mgmt Ltd. Sarbasiksha Mission West Bengal Kolkata SBI Funds Mgmt. Pvt. Ltd. Shri Kutchi Jain Gurjar Samaj, Matunga Special District Social Welfare, Thane Triton Communication P. Ltd. Weizmann Forex Ltd.
25th October 2011

eBusiness : Cash Management Services


BCMS OFFERS INTERNET FACILITIES
Front-end provided to customer for payment initiation. Customer will be provided with user-ids, who can create, view, modify transactions. Various Payment and collection Reports will be downloaded by customer . E.g. Instrument Status report, Payment due report, details of cheque collection report.
25th October 2011

eBusiness : Cash Management Services


REPORT ENGINE
Basically three types of reports MIS Reports Fund Forecasting Report Reconciliation Reports (Baroda CMS provides reports in customized formats with enrichment details Reports can be provided in TXT, XLS, PDF, CSV, RTF and HTML file formats)
25th October 2011

eBusiness : Cash Management Services


PRICING
Charge calculation method can be based on Amount Count of Instruments Flexible charge definition at various levels like customer level, product level, location level is possible. To lure and attract our Corporate Clients, competitive service charges vis--vis other banks. Please Refer circular No. BCC:RM:101:73 dated 4.11.2009.

25th October 2011

eBusiness : Cash Management Services


BENEFITS TO BANK
A revenue stream through CMS Augment low cost float money Provides better services for Corporate customers. Bulk transaction are uploaded through data file in specified format which saves data entry work.
25th October 2011

SUGGESTED STRATEGY FOR MARKETING

eBusiness : Cash Management Services

Specific Target Group Corporates SMEs NBFCs Mutual Funds Insurance Cos List of Clients can be obtained from RO/ZO/CFS Branch Prospective clients can be identified with the help of Industrial Associations / Chamber of Commerce / Websites. To convert Warm Lead into Full Lead Contact prospective clients in person Take assistance from Regional Head For any clarification contact BCMS Team.
25th October 2011

eBusiness : Cash Management Services


PROCESS FLOW
Branches approach Customer.
Branches forward application forms to Central Operational Hub (COH). COH process application forms and advise customer-code to branches. Now the Customer is CMS-Customer. The transactions are routed through branches/service branches/CBOs/CMSCOH
25th October 2011

eBusiness : Cash Management Services


FINANCIAL YEAR 2009-10 FINANCIAL YEAR 2010-11 FROM 1.4.2011 TO 30.9.2011 (including claim amount Rs.3/lacs from Mutual funds Notional Income generated from BOBCARDS Ltd. Rs.10.40 lacs Rs. 40.80 lacs Rs. 21.42 lacs

ncome generated from operations:-

* Rs.70 lacs approx. (Notional charges proposed for Bobcards Ltd. is Rs.2/- for IFT transaction and Rs.5/- for NEFT transaction).
25th October 2011

eBusiness : Cash Management Services


BANDWIDTH REQUIREMENT Enhancement of Bandwidth at the identified branches. Minimum Bandwidth required is 128 KBPS PROPOSAL IN PIPELINE To roll out Payment Module from identified branches To roll out Collection Module at all Service branches & identified City Back Offices. -4- Training programmes have been conducted at BOBIIT, Gandhinagar for identified staff members.
25th October 2011

eBusiness : Cash Management Services


BARODA CASH MANAGEMENT SERVICES has started functioning from December 15, 2008 at Central Operational Hub (BCMS), Mumbai Main Office, 1st Floor, Mumbai Samachar Marg, Fort, Mumbai 400023 Ph. 022-40468401 to 07 : Fax 02240468400 E-mail: cmscoh@bankofbaroda.com
Contact Persons: Mr. Mukul Ranjan, Chief Manager Mobile No. 09323063049 Mr. 25th October K. K. Waghela, Senior Manager Mobile No.
2011

Thank You
February 22, 2011 eBusiness 38