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TCS Worldwide
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    TCS is here to make a difference through technology.

    Leading the way in innovation for over 55 years, we build greater futures for businesses across multiple industries and 55 countries.

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      15 May 2025 TCS Recognized as One of the World’s Top 50 Brands by Kantar BrandZ; Brand Value Soars 28% YoY to $57.3Bn
      14 May 2025 TCS Partners with Khan Bank to Future-Proof its Operations, Enhance Customer Experience and Propel Innovation leveraging AI and ML
      12 May 2025 TCS Partners with Dhofar Insurance Company to Transform its Core Insurance Platform
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      23 Apr 2025 TCS Partners with Google Cloud on Agent-to-Agent Interoperability Protocol to Drive Future-Ready Enterprises
      11 Apr 2025 TCS Partners with Google Cloud to Accelerate AI-led Transformation in the Retail Sector
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      22 Apr 2025 TCS Ranked #6 Amongst Banking Technology Providers and Recognized as a Regional Leader across all Geographies by Everest Group
      17 Apr 2025 TCS BaNCS Named a Leader Among Wealth Management Products by Everest Group
      01 Apr 2025 TCS Positioned as a Leader in Worldwide Discrete Manufacturing Product Lifecycle Management Strategic Consulting Services and Systems Integration by IDC MarketScape
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    What we do
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      TCS is here to make a difference through technology.

      Leading the way in innovation for over 55 years, we build greater futures for businesses across multiple industries and 55 countries.

      Discover all solutions
    • Industries
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      We deliver excellence and create value for customers and communities.

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      Find the latest news about TCS in our Newsroom

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      Discover more
    • Press releases

      Recent Press releases

      15 May 2025 TCS Recognized as One of the World’s Top 50 Brands by Kantar BrandZ; Brand Value Soars 28% YoY to $57.3Bn
      14 May 2025 TCS Partners with Khan Bank to Future-Proof its Operations, Enhance Customer Experience and Propel Innovation leveraging AI and ML
      12 May 2025 TCS Partners with Dhofar Insurance Company to Transform its Core Insurance Platform
      View all
    • News alerts

      Recent News

      02 May 2025 TCS Ranked Denmark’s #1 IT Service Provider for Customer Satisfaction in 2025
      23 Apr 2025 TCS Partners with Google Cloud on Agent-to-Agent Interoperability Protocol to Drive Future-Ready Enterprises
      11 Apr 2025 TCS Partners with Google Cloud to Accelerate AI-led Transformation in the Retail Sector
      View all
    • Analyst recognition

      Recent recognitions

      22 Apr 2025 TCS Ranked #6 Amongst Banking Technology Providers and Recognized as a Regional Leader across all Geographies by Everest Group
      17 Apr 2025 TCS BaNCS Named a Leader Among Wealth Management Products by Everest Group
      01 Apr 2025 TCS Positioned as a Leader in Worldwide Discrete Manufacturing Product Lifecycle Management Strategic Consulting Services and Systems Integration by IDC MarketScape
      View all
    • Events

      Upcoming events

      11 Jun 2025 TCS and PTC Present the North America Leadership Forum 2025
      04 Jun 2025 Veeva R&D and Quality Summit: Developing Better Health Outcomes
      02 Jun 2025 Siemens Realize LIVE: Discussing Technology and Digital Transformation
      View all
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      TCS works hand in hand with world-leading investors.

      Tata Consultancy Services Limited
      NSE:TCS
      INR
      Discover more FY24-25 debrief
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    • TCS BaNCS™
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    Deploying best practices in risk management for Kotak Mahindra Bank

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    Industry

    Banking This will open an overlay

    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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    Solution

    TCS BaNCS™ This will open an overlay

    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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     about TCS BaNCS™: Enabling Transformation in Banks and Financial Institutions
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    29 Apr 2025
    AI in European Banking: Adoption Challenges and Opportunities
    For successful AI adoption, banks must prioritize workforce reskilling, people and culture, and collaboration while navigating GDPR and EU AI Act. Learn more.
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    14 May 2025
    TCS BaNCS Customer Newsletter on Innovation, Growth, and More
    This edition covers BaNCS’ work on securities processing, details of Banque Saudi Fransi’s payment transformation, Standard Bank's move to innovation, and more.
    Report
    10 Jun 2024

    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.
    Read more

    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.”

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    The 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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