Punjab National Bank : CBS@RRB

Set up in 1995, Regional Rural Bank's (RRB) contribution in rural
institution in terms of geographical coverage, clientele outreach, and business
volumes has been immense in the development of the rural economy. The business
domain covers the priority sector advances. RRB's target customers are mainly
small businesses and mass people that comprise of agriculturists, etc. RRBs
needs of subsidy, soft lean schemes, subvention are also based on some specific
needs. The challenges that they had faced before implementation of this project
were customization, parameterization and implementation. Another challenge was
to become technologically sound, so as to able to render the quality of services
like payment & settlement system, trade finance, etc.

RRB implemeted a core banking solution. The skilled and experience manpower was
extended to RRBs for the existing datacenter and other IT resources that was
established in New Delhi. 6 instances of database along with 3-Tier setup
comprising of web server, application & database server was also put in place. A
strong Business Process Re-engineering activity for standardization of various
processes along with Business Process Definition exercise was also undertaken.

Improved customer service, housekeeping, centralised generation of MIS reports
etc are some of the benefits derived off the implementation of this solution in
RRBs.