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Notice of "Special Annual General Meeting”    Now, our ATM services are available to OTHER BANK customers also. JKSBL is now National Financial Switch(NFS) compliant. Make use of more than 1,00,000 + ATM across India.

        

::INFORMATION ::

AS OF 31.03.2012

a. Share Capital –
     Rs. 59.75 Cr.

b. Deposits –
     Rs. 1603.18 Cr.

c. Advances –
     Rs. 1030.34 Cr.

d. Investment –
     Rs. 474.64 Cr.

e.  CRAR –
     13.42%

 
 
 
 
 
 
 
 

 






















 

JANAKALYAN MOVES WITH TIME IN TECHNOLOGY INITIATIVES


JKSBL always keeps pace with the technology to offer quality and satisfying services to its customers. JKSBL while introducing new technology has always given the prominence to ensure suitable products address the appropriate needs of the customers ensuring total customer satisfaction by following rules & guidelines of regulators. JKSBL continuously ventures for faster delivery of products increase in business and ability to handle larger business volumes round the clock with the help of technology. JKSBL ensures security in operations by implementing proper data access controls at various user levels effectively which maintains confidentiality, data integrity and availability of data at all times

JKSBL has successfully implemented an ambitious project Core Banking Solution (CBS) using RDBMS Microsoft-SQL 2008 & application software OMNIEnterprise. JKSBL has entered into tie-up with third party for sharing their Data Center thereby saving on huge Capital expenses. Thus the JKSBL is now equipped to provide wide range of banking products and can offer electronic based service delivery channels like Internet Banking, SMS Banking etc. This will facilitate customers to avail various products/services across all the branches, anywhere and anytime. The branches are being converted to Sales & Service Delivery Centers. Certain processes/activities are shifted to back-office. Branches, therefore, have more time for serving customers. This has improved the quality and efficiency of the services rendered to the customers.
 

ABB – (Any Branch Banking)


JKSBL
has undertaken technology initiatives, have facilitated customers to transact their accounts from any of JKSBL branches through CBS platform. Customer can deposit or withdraw cash, deposit Cheques to any of JKSBL branch.
 

 

ATM - SWITCH


JKSBL has implemented ATM switch in the year 2008 and added 3 more ATMs totaling to 10 ATM’s. These ATMs are connected to Central ATM Switch. JKSBL customers of branches located in Mumbai, Thane, New Mumbai & Panvel are able to withdraw through any of the ATMs of the Bank. JKSBL has overcome the geographical barriers by entering into ATM Sharing Arrangement with BANCS ATM network. The BANCS network consists of Bank of India, IDBI Bank, Axis Bank etc. Now our ATM card holder can withdraw money with the 'JKSBL GOLD ATM Card' from more than 6500+ ATMs across all over India.
Further the
JKSBL has initiated process of tie-up with NFS (National Financial Switch), having 55,000+ ATM centers spread across India in their network.
 

CALL CENTER


JKSBL
has plans setting up a Call Centre. The said facility will be made available to all customers very soon. Customers can forward their queries, suggestions, complaints etc. to the Bank management using Toll-Free number. Such facility will help our customers to interact freely with the Bank management.
 

CCTV

JKSBL has installed Closed-Circuit Televisions (CCTV) in all Branches and ATM centers. This facility has equipped Bank to have close watch on people visiting Bank premises and detain the offenders if any. Further the Bank can take better care of its assets and personnel

CHEQUE DEPOSIT MACHINE

Cheque Deposit Machines (CDM)- JKSBL has installed three CDM each at Sahar, Dadar & Sion branches. The said facility will be made available to all customers 24x7 soon. Customers can deposit their Cheques at any of these machines. The machine will print the acknowledgement slip with photocopy of the Cheque. The said machine is compatible & upgradable to forthcoming technology of Cheque Truncation.

ReLeAS (Retail Lending Automation Software)


JKSBL is using ReLeAS since last 3 years. It is a unique software product which has enabled Bank to appraise and disburse quality retail advances with greater speed.
 

RTGS (Real Time Gross Settlement)


JKSBL is the 5th Bank in the country amongst the Co-operative Banks to offer RTGS services. JKSBL has implemented this payment systems initiated by the RBI in the year 2004. Thus our customer can transfer their funds in hours time to 69,000+ INFINET (Indian Financial Network) member Bank branches across India.
 

NEFT (National Electronic Funds Transfer)


JKSBL has implemented this payment systems initiated by the RBI in the year 2007. Thus our customer can transfer their funds on the same day to 69,000+ INFINET (Indian Financial Network) member Bank branches across India.
 

ECS (Electronic Clearing System)


JKSBL has introduced Electronic Clearing System initiated by the RBI. This facility has helped customers to auto-schedule their payments and receipts. Further JKSBL has initiated implementation of originating ECS.
 

CLEARING


JKSBL has automated operations of the Clearing section by implementing software modules from OMNIEnterprise, power encoders, encoders, networking devices. This has enabled JKSBL to comply all the time frames of the RBI. Thus JKSBL has ensured timely submission and collections of Customer Cheques benefiting them to get credits/debits in time.
 

Mailing Solutions and Bulletin Board (Internal Website)


JKSBL has reduced cost, improved communication within and outside the Bank, reformed processes by implementing Mail and Messaging solutions using m@ilserv application with Sify broadband connectivity. Intra-Website helps staff to get appropriate information on the fingertips and help in quick customer services
 

KMT (Knowledge Management Tool)


JKSBL has equipped its Secretariat Department with the software product which enables to get the information like the circulars / guidelines / regulations issued by IBA / SEBI / NABARD / FIMMDA / NSDL / IRDA. Annual policies, Reviews, Articles, Speeches, Committee reports of RBI Banking related codes, regulations, rules, codes etc. Thus the JKSBL keeps itself updated with all latest happenings in the industry.
 

TREASURY


JKSBL has Treasury Department looking after the investment portfolio of the Bank. JKSBL has computerized the back-office activities. This automation has helped JKSBL to manage the complete trading operations in one single integrated system. It includes maintaining trading books, proprietary books, client orders, and managing primary market participation, regulatory compliance, etc. JKSBL can handle Money market instruments Call Money, Term Money, CP (Commercial Papers), CD (Certificate of Deposit), SLR / Non SLR (Statutory Liquidity) effectively.
 

NDS (Negotiated Dealing System)


JKSBL has implemented NDS initiated by the RBI in the year 2002. This facilitates investment of surplus funds, trading in Government Securities and Call Money Market operations.
 

FM (Facility Management)


JKSBL has implemented FM Services. Facility Management (FM) services are the IT Infrastructure Management Services. The customer is benefited in their services delivery since maximum uptime of the system devices is ensured. Bank staff can register their IT setup related complaints. Further Bank can centrally manage calls, do vendor management, set reminders, calculate downtime, set the priorities etc.
 

MANAGED ANTI-VIRUS SOLUTION


JKSBL ensured the data protection from virus attacks by implementing Online Antivirus solution from McAfee. The data files of new signatures get automatically updated on daily intervals on all data servers as per the schedule set in the systems. Customer is benefited since Bank can offer uninterrupted services.
 

PAYROLL


JKSBL
has implemented a unique software product which has enabled Bank to automate entire Payroll activities and enhanced the speed, accuracy in the work.
 

PROCUREMENT PROCESS - ONLINE REVERSE AUCTION


JKSBL
has adopted technology based procurement through Online Reverse Auction, for saving in cost, time and brought full transparency in the procurement process.
 

DATA WAREHOUSE & DATA MINING


JKSBL has developed various products for data mining from its data warehouse. It is being used by Bank for effective Deposit and Advances monitoring, Loan Disbursement Schedules, Audit Trails, Cash Management, Online MIS etc.
 

OVERNIGHT SYSTEM PROCESSES


JKSBL has implemented a reporting tool that generates EIS (Executive Information System) reports overnight by extracting data from all branch locations & Head Office using data network.
 

TECHNOLOGY PRODUCTS & PARTNERS


Hp, IBM, Dell, Lenovo, Microsoft, ORACLE, CISCO, Nortel, McAfee, DIEBOLD

RBI, CCIL, IDRBT, InfrasoftTech India Ltd., Credence Analytics, Omnitech Infosolutions, Sify Technologies, MTNL, Netcore Solutions, Sonata Infotech, Golden Tiger Telecom, Spine Technologies, Kores (India) Ltd., Aplab Ltd., CMS Ltd., ASEEM Power, FIS (Fidelity National) Payments, TVSNet Technologies Ltd.
 

 
 

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