Microsoft Windows Server System
Customer Solution Case Study
Manipal Co-operative Bank Improves
Operations with Superior Services and
Efficiency
Overview
Country or Region: India
Industry: Financial Services
Customer Profile
Manipal Co-operative Bank Ltd. was
established in 1985 in Manipal. Manipal
Co-operative Bank was the first cooperative bank to use computers in 1987.
Business Situation
To remain competitive and continue to
grow in the banking sector Manipal Cooperative Bank decided to improve its IT
infrastructure and streamline day-to-day
banking transaction processes.
Solution
Manipal Co-operative Bank implemented
Microsoft® Windows Server™ 2003 and
Microsoft SQL Server™ 2000 along with a
total branch automation solution,
BankSoft™, to increase branch efficiency
and productivity.
Benefits
 Improved performance
 Increased efficiency by 40 percent
 Decreased operational expenses
 Operational efficiency
 Customer care
“The BankSoft solution on the Microsoft platform has
offered us an end-to-end solution to meet our
immediate business objectives. It also sets the
foundation for additional value-added services….”
Janardhan Bhat, Systems Officer, Manipal Co-operative Bank, Ltd.
Manipal Co-operative Bank Ltd. standardized on Microsoft®
Windows Server™ 2003 and Microsoft SQL Server™ 2000 using the
Processware BankSoft™ solution for its single-branch automation.
BankSoft, the turnkey banking solution, has enabled Manipal Cooperative Bank to adapt to the growing needs of the banking
sector. The infrastructure is capable of supporting Manipal Cooperative Bank’s future growth and plans to optimize its business.
Manipal Co-operative Bank has seen some significant business
benefits ranging from lower operational costs to improved branch
and employee productivity. Manipal Co-operative Bank is now well
positioned to offer a new range of services to its customers.
“[The] BankSoft solution on
the Microsoft platform
generates all the…periodical
financial statements which
are sent to the Reserve Bank
of India.”
Situation
Solution
Manipal Co-operative Bank was established
in 1985 in Manipal, India, a town located
about 400 kilometers from Bangalore. The
establishment consists of 35 personnel
headed by the General Manager, G.
Somashekhara Rao. The management
comprises a team of professional directors
headed by Ashok Pai.
Manipal Co-operative Bank conducted an
extensive evaluation of core banking
solutions available in the country.
The bank replaced its legacy application
system, which was written in COBOL and
standardized on Microsoft® Windows Server™
2003 operating system, Microsoft SQL
Server™ 2000, and Processware’s
BankSoft™, for branch automation. Windows
Server 2003 and SQL Server 2000 are both
part of Microsoft Windows Server System™
integrated server software.
G. Somashekara Rao, General Manager, Manipal
Co-operative Bank Ltd.
Manipal Co-operative Bank caters to the
middle- and lower-income groups and
students studying in professional colleges at
Manipal. A single-branch bank, Manipal Cooperative Bank has deposits of U.S.$270
million/Rs 12197.80 lakh and a working
capital of U.S.$81 million/3692.91 lakh.
Manipal Co-operative Bank was facing
competition from nationalized and foreign
banks, which had begun to offer new
technology-based services with longer
working hours. It was also a challenge for the
bank to get a clear assessment of its
Nonperforming Assets (NPAs).
To be successful, it needed to retain its
existing customers, add new revenue
streams, and reduce costs. The bank also
wanted to reduce the time and cost of branch
operations, such as ledger work, closing of
books on the same day, generating reports
required by the Reserve Bank of India (RBI),
and reconciling of reports.
The bank required a technology framework
solution that would help it grow and compete
in the new economy.
Keeping an eye on the competition, the bank
decided to revamp its existing infrastructure
to incorporate enhanced services to its
customers.
Commenting on the choice of the BankSoft
solution, G. Somashekhara Rao, General
Manager of Manipal Co-operative Bank says,
“The BankSoft solution has provided us with
the opportunity to automate and integrate our
day-to-day business processes. The solution
enables us to efficiently connect with our
existing customers, partners, and
employees.”
From planning to implementation, Manipal
Co-Operative Bank worked with Processware
Systems, a Microsoft Certified Partner.
BankSoft uses Microsoft software effectively,
thus making customization an easy process.
The customization was completed within two
months. The new solution is being used at a
single location and has 35 concurrent users.
Other than providing a core banking solution,
Processware has been selected as the
preferred technology consultant, to
accommodate the prevailing and future
requirements of the bank.
Rao remarks, “Processware’s BankSoft
solution on the Microsoft platform generates
all the statutory reports, especially periodical
financial statements which are sent to the
Reserve Bank of India. In fact, during the RBI
audit in November 2004, the solution was
highly appreciated by the RBI audit officials.”
Using SQL Server 2000 as the server,
Processware’s BankSoft solution has
provided Manipal Co-operative Bank all the
necessary modules for complete branch
automation.
BankSoft on SQL Server 2000
Number of months to
implement
2
Reduced Work Hours
Nearly
40%
Transactions handled per
day
300
It has enabled the bank to get a complete
view of its comprehensive audit log and
generate statutory reports such as Form 1
and Form 9.
Janardhan Bhat, Systems Officer of Manipal
Co-operative Bank says, “The BankSoft
solution on the Microsoft platform has
offered us an end-to-end solution to meet our
immediate business objectives. It also sets
the foundation for additional value-added
services such as support for multiple delivery
channels including Internet, PDAs,
touchscreen kiosks, mobile phones, and
ATMs. We plan to offer these facilities to our
customers in the near future.”
Benefits
The bank has made impressive progress and
has grown from strength to strength since the
implementation of BankSoft. It has boosted
easier integration within existing systems at
Manipal Co-Operative Bank.
Improved Performance
BankSoft has enabled Manipal Co-operative
Bank to eliminate unnecessary complex
infrastructures, redesign inefficient
processes, and integrate people, processes,
and information. This has led to a secure
network and a superior functioning of the
bank’s operations.
Increased Efficiency
Manipal Co-Operative Bank faced a shortage
of space. Therefore, keeping documents was
becoming an onerous process. BankSoft
solution has digitized the data, thereby
removing the need for physical space. The
vouchers are first scanned and indexed. The
voucher images are then saved in date order
to facilitate easy reference. This enables the
viewing of all transactions pertaining to a
specific date at the click of a button. This has
been accomplished using minimum
personnel and has resulted in increased
employee efficiency.
Decreased Operational Expenses
From the handling of new accounts,
enrollment, loan origination, compliance
filings, and performance management,
BankSoft enhances customer service with a
superior performance. Operational expenses
have also decreased by the reduced manhours.
Operational Efficiency
With the implementation of the BankSoft
solution, Manipal Co-Operative Bank is able
to close its books on the same day, generate
statutory reports required by RBI, and provide
a clear view of the NPAs at any given time.
Identifying Nonperforming Assets
A critical benefit has been the availability of
unified data on the bank’s NPAs. The bank is
now able to generate reports by names and
addresses, for example, thereby making it
easier to track customers who have been
defaulting on payments. Further, with a
unified view of its finances, the bank is able
to make better investment decisions.
Customer Care
“Our main priority is to improve the value we
provide to our customers. The BankSoft
solution has become a primary tool for
helping us serve our customers better and
faster,” says Rao.
For More Information
For more information about Microsoft
products and services, call the Microsoft
Sales Information Center at 1600 111100.
To access information using the World
Wide Web, go to:
www.microsoft.com/india/
For more information about Manipal Cooperative Bank Ltd., call +91-8202571054
For more information about Processware
Systems Private Limited, call +91-80 26579635/26572188 or visit the Web
site at:
www.processwaresystems.com
About Processware Systems
Private Limited
Processware Systems Private Limited (an ISO
9001:2000 company) is a leading solution
provider in banking, manufacturing,
education, and aerospace markets around
the world. The company, started in 1989,
focuses on enterprise products for the Indian
market and product development services for
overseas markets. The company has more
than 300 customers in India and abroad.
Processware has more than 100 technical
personnel based in Bangalore, India.
About BankSoft
BankSoft is a completely integrated suite of
applications for total branch automation,
head office consolidation, and interbranch
reconciliation. BankSoft, which runs on
Microsoft SQL Server 2000, has been
installed at more than 300 locations in
Karnataka, Andhra Pradesh, and Goa. The
product supports multiple delivery channels
such as Internet, PDAs, touchscreen kiosks,
mobile phones, and ATMs. The product
enables the bank to generate all necessary
statutory reports required by RBI at the bank
level. BankSoft has been tested and certified
by VeriTest on Windows Server 2003 and has
been listed in the Windows Server 2003
catalog.
Software and Services

© 2005 Microsoft Corporation. All rights reserved.
This case study is for informational purposes only. MICROSOFT MAKES
NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY.
Microsoft, the Windows logo, Windows Server, and Windows Server
System are either registered trademarks or trademarks of Microsoft
Corporation in the United States and/or other countries. All other
trademarks are property of their respective owners.
Document published October 2005
Products
- Microsoft Windows Server System
- Microsoft Windows Server 2003
- Microsoft SQL Server 2000
- Microsoft Exchange 2000 Server
Microsoft Windows Server System
Microsoft Windows Server System integrated
server infrastructure software is designed to
support end-to-end solutions built on
Microsoft Windows Server 2003. It creates an
infrastructure based on integrated
innovation, Microsoft’s holistic approach to
building products and solutions that are
intrinsically designed to work together and
interact seamlessly with other data and
applications across your IT environment. This
allows you to reduce the costs of ongoing
operations; deliver a more secure and
reliable IT infrastructure; and drive valuable
new capabilities for the future growth of your
business.
For more information about Windows Server
System, go to:
www.microsoft.com/windowsserversystem
Hardware
Assembled Servers (Intel P4 2.4 gigahertz
[GHz] processor, 1 gigabyte [GB] RAM, 36
GB SCSI HDD)
 Assembled Desktop (P4 processor, 2.4
GHz, 256 megabyte [MB] RAM, 40 GB
HDD)

Partners

Processware Systems Private Limited