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FAIS in contrast to SBIPresented by:

Debasish Nachiketa, Debasish Padhy, Debiprasad Sahoo,

Gitanjali Sahoo,Jangyesh Prasad Samantaray,Jitender Ku. Mallick

RAVENSHAW MANAGEMENT CENTRE, CUTTACK

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C ontents

Industry Analysis

Organizational AnalysisInformation SystemFinancial & Accounting Information System

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Banking Industry Analysis

Banking in India has a History of more than

300 years.Beginging of the Industry occured in 1786The first bank was Bank of Bangal

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Banking Structure

C an be classified into Nationalized Bank,private Bank and Specialized BankingInstitution.Industry estimate indicate 274 commercial, &223 public bank & 51 private sector.Private sector banks include 24 foreign banks.Specialized banks include C o-operative & Ruralbanking.

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Banking Products:-

Saving AccountCurrent AccountTerm Deposit AccountLending ProductCash C reditTerm LoansDebit Cardsflexi DepositATM CardsPersonal LoansHousing LoansVehicle Loans

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KEY PLAYERS

Public Sector Banks:

Bank of BarodaState Bank of Ind

Allahabad BankC anara BankPunjab National Bank

Private Sector Banks:HDFC BankUTI Bank

IC IC I BankKotak Mahindra Bank

C enturion Bank of Punjab

Foreign Sector Banks:

C itibankStandard C hartered BankHSBC BankABN AMRO BankAmerican Express

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Substitutes

Other financial institutions are thesubstitutes of banks in terms of loan funding, saving, trading etcSubstitutes can beInsurance sectorsMutual FundsLoan funding organizations

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Organizational Analysis: SBI

Organizational Structure

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Associate Banks

State bank of bikaner and jaipurStatebank of hyderabad

Statebank of indoreStatebank of mysoreSatebank of patiala

Statebank of sourashtraStatebank of travancore

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SBI ProductsSavings accountSBI debit cardsSBI credit cardsSBI life insuranceSBI mutual fund

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IT enabled processes

Loan processMoney deposit and withdrawl (transaction)

Fixed depositDemat accountDemand draft and cheque

C hallan

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Financial and Accounting

Information SystemIntegrated information system.Input, Process and output systems

Input Process Output

Cash voucher Manufacturingaccounts books

Cash books

Bank voucher Preparing generalledger

Trial balance

Sales voucher Accounts receivableand payable Trading account

Purchase vouchers Generating p/laccount

Profit loss account

Journal voucher Updated financial datafor other system

a/c recievable andpayable

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HARDWARES USED

MonitorDifferent printers

Key boardsServersHubs

C ablesC lose circuit cameras

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Software used

Operating systems: windows 98, xp, serverApplication softwares

C orporate centre displayC ore banking system software

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How hardwares are linked

The computers are connected by LAN andconnected to a server.

The LAN is connected to internet.C ables used are optical fibresC omputers in counter area are connected to

draft printer, pass book printers etcEach counter has cash counting machineATMs are linked to the servers.

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