Professional Documents
Culture Documents
Oct.2011
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
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
3.19
1545
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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COLLECTION MODULE
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
25th October 2011
No..
Product
No. of txns 25 k 1k 26 k
Amount
No. of txns 13 k 1k 14 k
Amount
643.73
Total Mandate for DDI Collection registered up to 30.09.2011 is 82113. Mandate registered during September 2011 10412
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
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
Payment Module.contd
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
* 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
Thank You
February 22, 2011 eBusiness 38