CS Paliwal, Assistant General Manager, Union Bank of India

Overseas Presence

i. Hong Kong, Dubai, Antwerp, London , Sydney( Branches)

ii. Abu Dhabi, Shanghai, Beijing (Representative Off)

Network – Branches & ECs

Branches & ECs : 4,200+

ATMs : 7,200+

Business Parameters(31st Mar’16)

i. Business Mix: Rs.6,20,00 crs.

ii. Net Worth : Rs.17000 + crs.

Introduction

Overseas Presence

i. Hong Kong, Dubai, Antwerp, London , Sydney( Branches)

ii. Abu Dhabi, Shanghai, Beijing (Representative Off)

Network – Branches & ECs

Branches & ECs : 4,200+

ATMs : 7,200+

Business Parameters(31st Mar’16)

i. Business Mix: Rs.6,20,00 crs.

ii. Net Worth : Rs.17000 + crs.

Introduction

5

Maharashtra (500) (1162)

Madhya Pradesh (277) (643)

Andhra Pradesh

(165) (232)

Assam (67) (96)Bihar

(135) (167)

Delhi (137) (323)

Goa(15) (38)

Gujarat (259) (441)

Haryana (107) (151)

Himachal Pradesh (20) (28)

Jammu & Kashmir (12) (21)

Jharkhand (82) (101)

Karnataka (156) (314)

Kerala(237) (397)

Orissa(117) (148)

Rajasthan (129) (168)

Tamil Nadu

(223) (392)

Uttarakhand (82) (149)

Uttar Pradesh (909) (1258)

West Bengal (172) (286)

Telangana (79) (146)

Punjab (138) (192)

Andaman & Nicobar

(1) (1)

Arunachal Pradesh

(1) (1)

Chandigarh (10) (22)

Dadra, Nagar Haveli (1) (3)

Daman & Diu (1) (2)

Manipur(1) (1)

Meghalaya(5) (4)

Mizoram(1) (1)

Nagaland(1) (1)

Pondicherry(4) (6)

Sikkim(8) (7)

Tripura(7) (9)

Extensive network across India, which enables the Bank to cater to its large customer base of over 49 mn as of March 31, 2015

Overseas branches in Hong Kong, Dubai and Antwerp, in addition to representative offices in Shanghai, Beijing, Abu Dhabi and Sydney

Operates in the UK through its wholly owned subsidiary, Union Bank of India (UK) Ltd.

The Bank has 31 extension counters and 47 service branches in addition to its regular bank branches (as of March 31, 2015)

Branch Distribution by UrbanizationBranch Distribution by Urbanization

Branch Distribution by GeographyBranch Distribution by Geography

Geographical diversification minimizes regional risks

61% branches in rural/semi-urban marketsCh

hatti

sgar

h (6

1) (1

09)

Extensive & specialized distribution network focused on the needs of the different business segments

6

Multiple Delivery Channels

• For past generations the word Bank meant a Building where people are seeking loans, safeguarding their savings and planning their or their company’s financial futures. Client needed to physically show up at their bank to conduct any business.

• But, today The digital revolution has redefined the world many hold their banks in the palm of their hand with technology radically altering the way consumers take care of their financial needs and the way bankers conduct business.

Benefits:- Multiple Banking Channels Saves Time Easy Reconciliation

SMART BANKING

PoS

MobileBanking

SMS Banking

Credit Cards

E-banking

ATM

Debit Cards and Prepaid Cards

Payment Gateway

Vendor 1

Central Govt. share

Release of Funds

Vendor 2 Vendor 3

JMC - Smart City Account with Union Bank of

India

MIS

Remittances to End Users/beneficiaries/vendors

Proposed Fund Management Solution - Flow of Funds & MIS

MISState Govt.

share

Release of Funds

FEATURES

Proposed Fund Management Solution - Flow of Funds & MIS

Process flow Creation of web-portal by the Bank.

Mapping of Accounts in the module for JMC

Creation of Users for JMC officials

Bank will impart the necessary training to the JMC officials

for data upload and MIS download

Interactive Web Based Module

Jabalpur Municipal Corp.

Interactive Web Based Module

Jabalpur Municipal Corp.

Interactive Web Based Module

Interactive Web Based Module

DrAccountNo AmountIFSC Code Column1 Account No

Payee Name

APPL_APPR_DATE UTR NO REMARKS

PAYMENT DATE

REJECTION REASON

MIS REPORT

PAYMENT GATEWAY FACILITY

Union Bank can facilitate online payment of all dues viz. Water Bills, Property Taxes, etc through Payment Gateway facility.

BENEFITS:-• Fast & Secured Payments• Multiple Payment Options to customers• Fund transfer facility• Customized MIS to JMC officials

PAYMENT GATEWAY FACILITY

PREPAID CARD

•Jabalpur Municipal Corporation (JMC) and Union Bank of India can together launch a co-branded prepaid card which can to be used for making payments towards the charges levied by JMC for its services, as used by its subscribers.

•It can be made useful in making various payments and purchases, e.g. Water Bills, Property Tax , parking fees, etc.

PREPAID CARD

PREPAID CARD- FEATURES

PREPAID CARD- BENEFITS

• Any customer can purchase Prepaid Card with Minimum KYC ( Pan Card, E-Mail ID, Mob No). No need of having any Bank account.

• Fast and secured payment

DIGI PURSE

DIGI PURSE

BENEFITS:-•Fast & Secured Payments•Exclusive VISA powered virtual prepaid linked which can be used for online shopping on any websites.• Fund transfer facility:- Wallet to wallet, wallet to Bank.

Applications of SMART BANKING products in Real World:-

1) Payment of Water Bills, Property Taxes by customers of Jabalpur Municipal Corporations through any of our Banking Channel

2) Integration of our Digital Banking Channel with e-Governance portal of Jabalpur Municipal Corporations for any collection or payments.

3) Online Collection of Receipts for Traffic Challans through our Banking channels

4) Customized MIS reports to JMC officials for better Decision Making

Awards/Accolades during the Year 2015-16

Union Bank of India won all the Six Banking Technology Awards from IBA (Indian Bank’s Association) in following categories :

Best Technology Bank of year, Best use of Digital Channels Technologies, Best use of Technology to enhance Customer Experience, Best Risk Management, Fraud, Cyber Security, Best Financial Inclusion Technology Initiatives Best Payment Initiatives.

Skoch Financial Inclusion and Deepening Award 2015.   Banking Excellence Awards 2015 from Chamber of Indian Micro Small & Medium Enterprises (CIMSME).

• Union Bank of India readily accepts the Government’s vision of adding value to citizen’s life by implementing e-governance model.

• Use of Digital Banking channels for enhanced customer service experience.

• Project Implementation with customized requirements of Jabalpur Municipal Corporation

CONCLUSION