Abhinav singh chauhan Amit Daga

I. II. III. IV.

Globalization Mergers & Acquisition De-Regulation Diversification

Huge Database of Coustomer Data Analytics Investment in Digital Channels

1. 2. 3. 4. 5.

FLEXCUBE & FINWARE(Oracle) TEMENOS CoreBanking (Temenos) FINACLE ( Infosys Technologies) FIS (Fidelity National Info Services) BaNCS ( TCS)

 SBI Indian Bank Hua Xia Bank (China) Cathay United Bank
HSBC Kotak Mahindra Bank Ltd ICICI Bank

TCS BaNCS Initial Cost Low Total Cost of Ownership(TCO)

FINACLE Medium Cost comparatively

TEMENOS Very high initial cost

Security

Security is not Security is not SQL server encrypted backed with SQL backed with SQL Data with advanced password protection
10 Million US $ 10 Million US $ 2.5-3 Million US $ as backed with an secondary server

Loss on System Failure

TCS BaNCS Low Total Cost of Ownership Deposit Accounts Loan Accounts Branch Tellers Number of Branches Deposit Transaction History 900 Million 100 Million 570000 41000

FINACLE Medium Cost comparatively 750 Million 80 Million 380000 27000

TEMENOS Very high initial cost 2100 Million 470 Million 1380000 90000 30 billion

18 Billion(20 per 13 billion account)

Loans Transaction History

Database Size

2 Billion (20 per account)

29 TB

0.95 Billion

2.8 billion

10.5 TB

47 TB

TCS BaNCS

FINACLE

TEMENOS

Low Total Cost of Medium Cost Very high Ownership comparatively initial cost Fund Transfer (8 hrs) Security Trades (8 hrs) 500000 240000 570000 220000 697920 323534

No. of streams for Deposit processing

80 per server

--------34 % 65%

200 per server

125 per server 46% 57%

No. of streams for Loan 44 per server processing Application Memory Utilization: Application Layer CPU Utilization DB Memory Utilisation 40 % 60 %

86 %

80%

67%

TCS BaNCS

FINACLE

TEMENOS

Low Total Cost of Medium Cost Very high Ownership comparatively initial cost Peak Transaction per second (TPS) transactions processed(8 hrs) Transaction mix: 17154 11476(app) 14800

278 Million 50

120 Million (approax) 50(approax)

230 Million 74