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CORE BANKING
SOLUTION(CBS)
&
Types of CBS Server
ACKNOWLEDGEMENT
■ In CBS, though your account remains with the home branch, but you
can access your account from any branch of the same bank.
■ For Example If you have your account in SBI Ring Road Branch,
you can still access your accounts from any SBI branch within the
nation.
■ Meaning, you can make deposit and withdrawal transactions from
any branch of the same bank.
COMPONENT OF CBS
ANTIVIRUS
DATA NETWORK
SOFTWARE
ATMs
Internet Banking
■ Just as in the case of ATM servers, where the details of all the
account holders who have ATM facility are stored, the Internet
banking data base server stores the user name, password of
all the internet banking customers.
■ IBDS (Internet Banking Data Base Server) software stores the
name and password of the entire internet banking customers
(Please note that the ATM server does not hold the PIN
numbers of the ATM account holders).
■ IBDS server also contains the details about the branch to
which the customer belongs. The Internet Banking customer
would first have to log into the bank’s website.
■ The next step would be to give the user name and password.
■ The IBDS is located in a Demilitarized zone.
■ It has a separate VLAN that connects a proxy server, mail
server, web server and IBAS.
Antivirus Software
■ In the Core Banking Solution as there is a Centralized Data Centre
and also as there was a Centralized Data Base server, application
server etc., the Anti Virus Software was also available only in the
Centralized Data Centre.
■ This copy of the Anti Virus Software was updated promptly and
■ Regularly at the Data Centre and pushed into all of the servers and in
all the systems in the branches by push pull method
■ Some Banks had, for back up purposes as also for business of the
■ bank continuity planning had decided to have servers in the different
branches.
■ All the servers also were updated with the latest Anti Virus.
Advantages of Core Banking Solution
Advantage to Customer Point of view
All the Branches access application from central server, so that deposits made in any branch reflects
immediately and customer can withdraw money from any other branch throughout the world.
Anywhere Banking by eliminating branch Banking and can Provide Banking Services 24*7
Transfer of funds from the Cities to the Villages and Villages to Cities will be done Easily.
CBS is very helpful to people living in Rural areas. Farmer can Receive E-Payments towards
Subsidy directly in their Bank Accounts.
ATM, Interest Banking, Mobile Banking, Payment Gateways facilities are available.
Centralized printing and backup resulting in reduction in capital and revenue expenditure on printing and
backup devices and media at branches.
Advantages to Bank
Convenience in Opening accounts Processing cash, servicing loans,
calculating interest, implementing changes in Policies like charging interest
rates etc.
Company Product
Infosys Finacle
I-Flex Solutions Flexcube
HCL Technologies Bankmate
Tata Consultancy Services Quartz
(TCS)
Polaris Intellect suite
BIBLIOGRAPHY
■ ICITSS Study Material – ICAI
■ https://www.researchgate.net/figure/The-
example-of-CBS-architecture_fig1_283283862
■ https://www.sesameindia.com/images/core-
banking-system-architecture
THANK YOU