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Industry
Banking
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Banking Services Transformation: Unlocking Exponential Value
TCS’ solutions help banks and FIs push traditional boundaries and build cognitive banking enterprises for better value, resilience, and inclusivity. Learn more.
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Combining automation and AI with governance, risk management, and compliance, learn how digital transformation enables smarter and scalable banking operations.
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Solution
TCS BaNCS™
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TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions
Offering Software-as-a-Service across a stack of solutions and applications, TCS BaNCS facilitates smooth transformation in financial services and drives growth.
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Join us at the event and learn how TCS is leading end-to-end post-trade modernisation across market infrastructure, trading, custody, tokenisation, and more.
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Join us at Sibos 2026 in Miami to explore future-ready real-time payments, securities operations, and DLT/AI-led solutions for global financial solutions.
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As catastrophes lead to substantial financial losses, insurers are adopting tech like generative AI and automated claims processing for a climate-ready future.
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Highlights
- Kotak Mahindra Bank Limited (KMBL) caters to a diverse set of financial needs from the retail and corporate sectors. The Bank is seen as a forerunner in digital transformation in banking in the country.
- The relationship between TCS and Kotak Bank began in 2012 when the Bank selected the TCS BaNCS for Global Risk Management to consolidate bank-wide exposures across various asset classes onto a single, integrated risk management platform.
- Describing the decadelong relationship as, “symbiotic and transformative, Neeraj Nath Singh, SVP, Kotak Mahindra Bank Limited, shares how the bank is taking the innovative path to streamlining risk management practices.
Customer Story
From commercial banking to stock broking to mutual funds, life insurance and investment banking, Kotak Mahindra Bank Limited (KMBL) caters to a diverse set of financial needs from the retail and corporate sectors. Focused on leveraging technology to enhance customer experience and anchored on prudent risk management, the Bank is seen as a forerunner in digital transformation in banking in the country.
The relationship between TCS and Kotak Bank began in 2012 when the Bank selected the TCS BaNCS for Global Risk Management to consolidate bank-wide exposures across various asset classes onto a single, integrated risk management platform.
Describing the decade-long relationship as, “symbiotic and transformative, Neeraj Nath Singh, SVP, Kotak Mahindra Bank Limited, says that “the partnership has been mutually beneficial, driven by innovation and resulting in streamlined processes and reporting for the Bank.”
“Our technology team has been diligently implementing an aggressive risk-based approach to enhance resilience, governance, risk management, security and automation of our Bank’s IT landscape. This risk culture lays emphasis on responsible business practices, prioritization of customers’ needs, and appropriate disclosures. The framework reinforces a risk culture across the organization that ensures a high level of risk awareness and makes risk management an integral part of organizational decision-making.”
“When we selected TCS BaNCS, the objectives were to consolidate bank-wide exposures across various asset classes, alongside creating quality reports for highlighting breaches, ceiling positions on the very next day of any close-of-business date. This involved aggregating and consolidating data from various applications at our Bank and our partners onto the TCS BaNCS solution.”
“In addition to a 360-degree view for single/group borrowers for exposures, securities, breaches, further drill downs, etc., aggregation and reporting were extended to address different dimensions such as industries, segments and products. The solution’s acceptance and volumes increased with phase-wise migration of exposures which initially started with wholesale corporate from USD100K to now included new segments like Agri, MSME with USD10K and above.”
KMBL has one of the largest asset books in private banking space in India and is known for its robust credit policies in terms of risk assessment and management.
Commenting on how the TCS BaNCS solution has helped this achievement, he says, “TCS BaNCS gives us the ability to manage global risk events swiftly, using information-driven, decision-making tools. With a focus on portfolio and a deal-driven risk management approach, it helps us provide real-time, fully drillable aggregated portfolio risk data views at country, industry, business division and counterparty levels.”
“We have seen the TCS BaNCS product functionality evolving to adhere to regulatory requirements, including the management and control of credit risk ratings. For instance, post deployment, we are using the solution to monitor and report credit risk limits and exposures. Comprehensive dashboards provide us with views of limits and exposures at a micro and macro level. We are deploying API services to streamline workflows and enhance productivity at our Bank.”
In conclusion, he believes that the partnership between TCS and KMBL stands as a powerful testament to the transformative potential of collaboration in banking Solutions.
“With TCS BaNCS and Kotak’s vision for innovation, both organizations are poised to redefine the future of banking and financial services. Together, we will enhance operational efficiencies and customer experiences but also drive digital transformation across KMBL. This alliance represents a shared commitment to continuous growth, fostering technological advancements that will shape the future of business and empower millions of customers worldwide with cutting-edge financial solutions.”
Swipe LeftSwipe RightThe partnership has been mutually beneficial, driven by innovation and resulting in streamlined processes and reporting for the Bank.
Neeraj Nath Singh
SVP, Kotak Mahindra Bank Limited
Success Stories of TCS BaNCS Customers
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Transformation is within reach
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