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01.

INTRODUCTION
Section

Section Description

Page

01.01

Background

01.02

Key Features of the System

01.03

Login Process

01.04

Knowing the Main Screen

01.05

Selecting Menus

01.06

How to Sing Off / Log out?

01.07

Terminology Used in B@ncs24

01.08

Shortcut Keys

91

01.09

FAQs

10

01.10

DOs & Donts

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01. INTRODUCTION
01.01 BACKGROUND
State Bank of India has always recognized the importance of integrating
Information Technology in all its operations. It started in 1960s with initial forays
in the area of reconciliation and continued through 1990s with the
computerization of individual branches culminating in computerization of all
branches through Universal Computerization. Once again, SBI felt the need to
upgrade its operations to incorporate the latest advances in Information
Technology. This computerization of SBI, done under the Core Banking Solution,
has had a major impact on all spheres of banking.
01.01.02 The single biggest achievement of implementing the Core Banking
Solution is that each customer of SBI is truly the customer of the Bank and not just
the customer of the Branch, where his/her account is maintained. He/she can go
to an SBI Branch anywhere in the country and perform a transaction. This is
possible as the entire Customer Database is centrally located at the Central Data
Centre (CDC) and can be accessed by any branch on CBS.
01.02 Key Features of the System
01.02.01: 24X7 BANKING
As a result of implementing Core Banking solution, most of the facilities being
offered by SBI, are available to customers 24 hours a day, 7 days a week.
Customers can transact their business using multiple channels such as ATMs,
Internet Banking, Phone Banking and Mobile Banking.
These transactions
conducted through various delivery channels are updated in the CDC in real time.
01.02.02: ANYWHERE BANKING
Customers can avail of banking services across the bank and Channel network
irrespective of location where their account is maintained as SBI has achieved
100% networking of all its delivery channels.
01.02.03: Integration with Strategic Sectors:
Core Banking integrates all strategic sectors of Banking such as Trade Finance,
Treasury, Asset-Liability Management and Corporate Balance Sheet. As a result,
the information related to these areas is centrally available for use or reference.
01.02.04: Strengthening MIS, DSS and EIS:
Core Banking Solution is more than just a transaction processing system. It
provides updated data for generating various reports for Management Information
System (MIS), facilitates Decision Support System (DSS), and Executive Information
System (EIS). As data is located on CDC, branches and administrative offices can
concurrently avail updated data when required.

1.02.05: Business Process Reengineering:


Core Banking has enabled implementation of BPR initiatives of the Bank and
facilitate centralised handling of various processes. Branches would do less and
less of back office work and focus on marketing and cross selling.
First time users to Core Banking Solution B@ncs24 are invited to read the following
paragraphs to familiarize themselves with the login / logout process, icons used
and terminology in Core Banking.
1.03: LOGIN Process:
Double Click on the Internet Explorer icon on the Desktop to get the login screen.
The following screen (Sign-On Screen) will be displayed:

Each user will be allotted one User No. and Password for logging in. The User No.
and the Password for all employees is allotted at the Central Data Centre (CDC),
Core Banking Project, CBD Belapur, Mumbai.
The User No. is the PF Index number of the employee. The Password allotted
initially is 111111 (Six times 1). In addition to User No. and Password, Branch
code (5-digit code) and terminal number are to be entered in the sign-on screen.
The terminal numbers are advised to all the users on the take-on day.
Please use the TAB key or mouse to move from one field to the other.
On entering the assigned user No., password, branch code and terminal number,
please click on the TRANSMIT button or press Enter.
When the user logs in for the first time, the following screen is displayed and the
user is forced to change the password. This is a security feature.

Enter the old Password and a new password, of your own choice. With effect from
01-06-2007, a complex password system has been introduced which implies that the
password must comprise of the following characters:
1. Alpha-numeric complexity introduced, whereby use of at least one CAPITAL
alpha character, one numeric character and one special character is compulsory.
2. Users are required to change their passwords once in 30 days in CBS at present.
3. The minimum length of the password will continue to be 6 characters.
Enter the new password again in the third field. Then click on the
button.

CHANGE PASSWORD

The following screen is displayed informing the user that the password has been
changed successfully.

Click on the OK button. This will close the existing screen and opens the Sign-On
screen again, where the user enters the required details with the new password and
clicks on the TRANSMIT button to login.
01.04: Knowing the Main Screen:
On successful login, the following screen is displayed

This is the Address


Bar. Please give your
Branch Server
address here.

Move the mouse


over the Menu
window to see
the Menus

01.05 Selecting the Menus:

Use the mouse to click on the + symbol on the left side of the required menu
option for displaying the sub-menus. You can also double-click on the menu item to
see the submenus. The menu you selected is highlighted with green colour. The
most frequently used menus are available on top.

01.06 How to Sign Off / Log Out?


To sign off from B@ncs24, please click on the sign-off icon on the
B@ncsLink tool bar. This is the second icon from the left. The following
screen is displayed.

Click on the OK button to sign off and exit B@ncs24. On logout, the signon screen
is displayed again.
01.07 Terminology Used in B@NCS24
01.07.01 Who Is A Teller?
Any user in Core Banking system is referred to as a teller. An Accountant is a
teller, a Single Window Operator is a teller, a Cash Officer is a teller and a Branch
Manager is a teller. It is to be noted that the terminology used in the system does
not refer to the Teller function in the Bank, as we understand normally. The
terms Teller ID, User ID and User Number are used interchangeably.
01.07.02 What is the Teller ID or User ID?
It is the PF Index Number of the employee. This is the unique number with which
the user is identified in the system.
01.07.03 Who are Maker and Checker?
Maker is a person who initiates any transactions by filling in the transaction
details. Checker is the person who verifies details of a transaction and authorises
the transaction.

01.07.04 What is CIF-Customer Identification Number?


It is a unique number (11 digit Number) for each customer. It is different from
his/ her account numbers.
Each customer will have one CIF Number (across the Bank) irrespective of the
number of accounts being held by him/her at different branches. It is an
intelligence-free number, which is generated in running serial order.
Each CIF Number has a corresponding file which includes information related to
the customer such as his/ her account details and his/ her relationships i.e., his/
her guarantor, partner, nominee, etc.. This file helps to provide scope for cross
selling the various products.
01.07.05 What are the Software Used in Core Banking?
B@ncsLink
B@ncs24
Finance One
CS-EximBills
Internet
Explorer

Front-end software used by branches


Transaction posting software that is available at CDC. It also
provides inter branch transaction capability.
Corporate General Ledger software
Trade Finance software
It is the Browser that is used by end-users to connect to
B@ncsLink and B@ncs24 for working in Core Banking
environment

01.07.06 What are Good Password Practices?


All users are encouraged to use a strong password. The minimum length of User
Password is 6. It is preferable that a Password consists of uppercase and
lowercase alphabets, at least one numeral and one special character.
It is important that you protect your password. It is like your signature. Please
commit the password to memory. Please do change your passwords at least once a
month or whenever you feel your password has been compromised.
01.07.07 What are User Types?
User Types are nothing but roles. By role we mean different functionaries or
positions such as Single Window Operator, Branch Manager, Accountant, Cash
Officer, Field Officer etc. in a typical branch.
S.No.
1
2
3

User Type
50
60
40

45

5
6

10
23

Description
Vault Teller/ Accountant
Cash Officer
Passing Officer/ Field Officer/ Divisional Manager/
Branch Head
Passing Officer/ Field Officer/ Divisional Manager/
Branch Head with User management rights
Enquiry User/ Inspection User
External Auditors

User Type 1 is a generic user, eg. Single Window Operator, Passing Officer, i.e.
any user other than UserType 40, 50, or 60 in a branch.
Normally, there is only one person with User Type 50 and 60 in a branch.
However, there may be any number of users set up as User Types 1 and 40 in a
branch.
01.07.08 What is User Capability Level?
It refers to the powers assigned to each user for performing financial transactions
in the system.
01.07.09 WHAT IS A TRANSACTION GROUP?
A Transaction Group refers to a set of menus that are available / usable by a user.
01.07.10 WHO IS A VAULT TELLER?
A Vault Teller is the Joint custodian i.e. the Accountant of the Branch.
01.07.11 Who Is a VPIS Custodian?
An officer who retains overnight custody of security forms is referred to as the
VPIS custodian. In small and medium branches he is the Accountant with User Type
50. In larger branches there can be more than one VPIS custodian, with User Type
40, in addition to the Accountant.
01.07.12 What is a Cash Drawer?
Cash Drawer in CBS is the logical equivalent of the physical cash drawer of
Cashiers/ Tellers at a Branch. All the cash transactions are reflected in the Cash
Drawer. It maintains Cashier/ Teller-wise Receipts and Payments, along with
denominations. There will be one cash drawer for each Cashier/ Teller, who
handles cash. The Cash Officer as well as the Accountant has Cash Drawers.
01.07.13 What is a Module?
A Module is nothing but a name given to a group of activities. For eg. all the
activities/ functions relating to issue of cash, receipt of cash, etc. together are
referred to as Cash Module.
01.07.14 What Is A Prompt Screen?
A prompt screen is a screen in which a few details are collected from the user to
bring back results from the server. As an example, suppose the officer with User
administration functions wishes to see the users logged on to the system, he will
access the User Enquiry screen and key in the Branch Number and click on
Transmit.
01.07.15 What Is A Response Screen?
A Response screen is the result that is displayed after entering some details in a
Prompt screen. In the above case, a screen is displayed showing the list of Teller
IDs and Names of users who have logged in at that time.

01.08 Shortcut Keys:


Please use F8 or Ctrl+Shft+O to get the new account number in Core Banking
(you have to enter the BankMaster account number).
Please use F10 or Ctrl+Shft+I to view the images (Signature/Photo) of the
accounts.
Press the F11 key to toggle between normal and full screen.
Press the F12 key to get the CIF/Account Number that was typed last.
In all response screens, you can type Alt+T instead of clicking on Transmit.
You can use the Tab key to move from one field to another in the screen.
You can use the Alt+C to close the screen instead of clicking on Close button.
Please use F7 to pre-fetch account details, i.e., whenever you type an account
number, and then use this key, you can see the brief details of the account, such
as names of accountholder, CIF number etc.
Changes in 'F7' enquiry procedure:
a. In case the Account belongs to the same branch:
F7 key will get the particulars such as Name, Available balance from the Shadow
files (i.e. from the Branch Server itself). In the F7 window, 'Acct Info as of' will
show the date of Shadow files being used.
b. In case the Account belongs to some other Core Branch:
The system will fetch the information from the Host at CDC.

01.09 FAQs Frequently Asked Questions


01.09.01 How do I Change My PasswORD?
You can, at any point of time, change the Password by invoking the Menu:
User/ System Administration Changes Change password
Screen SCR: 009750 is displayed.
Now key in the Old password once and the new Password twice (second time
for confirmation).
NOTE: With effect from 01-06-2007, a complex password system has been
introduced which implies that the password must comprise of the following
characters:
1. Alpha-numeric complexity introduced, whereby use of at least one CAPITAL
alpha character and at least one numeric character is compulsory.
2. Users are required to change their passwords once in 30 days in CBS at present.
3. The minimum length of the password will continue to be 6 characters.
Click on Transmit. You will get an OK message.
Click on the OK button to sign-off and login again with the new password.
Note: The password should be a minimum of 6 characters, which can be
alphanumeric.
01.09.02 When Should A User Change The Password?
First time the User logs in into Core Banking
Once a month, when prompted by the System
Whenever the User feels that his/ her password has been compromised, i.e.
the password is known to someone else.
When password has been reset because the user had given the password
incorrectly three times.
01.09.03 How can I See the User Details?
Certain minimum information such as user ID, time, Branch code, and date are
displayed on the right bottom corner of the screen.
01.09.04 How do I know whether Transactions are Pending to be Approved By
Me?
Click on the Queue icon on the B@ncsLink toolbar (shown below) and a list of
transactions, which have been sent to you for approval are displayed.

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Search for a Customer

To open the Screen


(whose number is
given in adjacent box)

View and Download


Exchange Rates

Open/Close
Cash Drawer
Queue

Return to
CBS

Help

WorkFlow

Lock Screen
View Journal

EOD Checks
only

Sign off
Sign on

Non Maker-Checker Transactions


Open a new
session

01.09.05 How do I Log Off from the System?


Normally, after you have finished the day's transactions, if you have any cash to be
handed over to the Cash Officer, you will do so. The Cash Officer will
acknowledge receipt of the same. After this, you will close your Cash Drawer by
clicking on the 6th icon from the left on the B@ncsLink toolbar. Once the process
is complete, you can click on the second icon from the left (sign off) to logoff from
the system.
01.09.06 What is a Check Digit?
All Customer numbers and Account numbers in Core Banking end with a check
digit. The check digit is automatically generated and is used by the system to
verify the correctness of the Customer/ Account number.
In case of internal accounts, such as, Branch Cash balance account, Branch
Clearing General account etc., the first 5 digits of the account number are fixed.
The next 5 digits are the branch code. The last digit will be the check digit. For
eg., for the branch 3263, the account number for Branch Cash balance a/c will
be 9890303263 plus one check digit. Since we cannot calculate the check digit
manually, a facility is provided wherein you can key in the 10-digit account
number and get the check digit. This is explained in the following paragraph.

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01.09.07 How do I find the Check Digit?


Menu access:
General Enquiries Display Check Digit
Here you can give the customer or account number, choose the option Customer or
Account and click on Transmit.
Now note down the last digit displayed. This is the check digit.
01.09.08 What is a Journal?
The Journal is a record of transactions done at the branch during the day.
01.09.09 How do I view the Journal?
The third icon from the left on the B@ncsLink toolbar is for View Journal. When
you click on the icon, you will see a Web Page Dialog as below:

Click on Execute to get the list of journal items in reverse chronological order,
i.e., the latest transactions will be displayed at the top.

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Important details relating to a transaction such as Journal No., Trace No., Status,
Account Number, Transaction Code and Description are reflected in the Journal.
01.09.10 How do I know the Account Number in Core Banking, given the
Bankmaster Account Number?
Menu access:
General Enquiries Old - New Account/Customer Number
Please key in the Branch code, Old Customer/Account Number, choose the
relevant option Customer/Account and click on Transmit.
As explained earlier, F8 or Ctrl+Shft+O Hotkeys can also be used for finding out
the new account number in Core Banking. F8 does not show the new account
numbers if the Bankmaster account number is having alpha characters. In Short
Enquiry, alpha characters can also be given.
If the Bankmaster account number is having alpha characters (such as 01G etc.),
please go to the menu: General Enquiries Old-New Account / Customer
Number. Give the 5-digit branch code, old account number, and type sequence
number as 1. Please click on Transmit. Now the new account number in Core
Banking is seen against New CIF/Account number field. Similarly, if you wish to
know the new account number in Core for other branch Bankmaster account
numbers, this menu is to be used.

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01.09.11 What are the various Number Ranges Used?


In B@ncs24 all the numbers consists of 11 digits, which includes a check digit. The
check digit is the 11th digit.
The Account Number ranges are: For Migrated Accounts:
1 000 000 001 + check digit (to) 2 999 999 999 + check digit
For New Accounts opened in B@NCS24:
3 000 000 001 + check digit (to) 7 999 999 999 + check digit
The CIF Number ranges are:
For Migrated Customer (CIF) Numbers:
8 000 000 001 + check digit (to) 8 499 999 999 + check digit
For New Customer (CIF) Numbers opened in B@ncs24:
8 500 000 001 + check digit (to) 8 999 999 999 + check digit
BGL Accounts:
BGL Accounts (Non customers accounts) starts with 9
9 NNNN + 5 digit branch code + check digit
SDV/SC Number ranges are: For Migrated SDV/SC Numbers
4 900 000 001 + check digit (to) 4 950 000 000 + check digit
For New SDV/SC Numbers opened in B@ncs24
4 950 000 001 + check digit (to) 4 999 999 999 + check digit

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01.10

DOS AND DONTS


Whenever you are going to be away from the system,
please use the Screen Lock icon

, as a measure of security.

This is important so that no one else can use your id for putting through
transactions when you are away. When you return for work, you need to
give the password so that you can continue to use the system.

Please logout from the system by clicking on the signoff icon

Please do not use the close button on right-hand top corner when you are
logged into core banking.

Please do not use the mouse when processing is going on.

Whenever you have to Transmit, or Search, please click only once and wait
for the system to respond.

Please do not download documents etc. from State Bank Times or other
sites during peak working hours in the branch, as it will affect the
processing speed for conducting transactions in Core Banking.

**********

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