Surveys 2013 March V Voice of Customer

Voice of Customer HCL Infosystems Voice of Customer initiative

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What are your business priorities in 2013-15?   Improve workforce productivity   Lower the company's overall operating risks and costs   Re-engineer core business processes transformation   Improve quality of services and/or processes   Business expansion by reaching out to untapped segment   Innovation new products /Services offerings   Improve security/risk management   Manage customer relationships   Enable regulatory compliance       What risk factors do you consider will have the most significant impact on your bank in 2013?   Regular non-compliance risk   Market risk   Credit risk arising from deterioration of loan quality   Liquidity risk in meeting funding need under volatile market situations   Operational risk from the lack of talents and IT systems   Legal risk   Regular non-compliance risk       What are your major challenges for growth in 2013?   Increased competition among banks   Non Performing Assets   Increased regulatory requirements   Inadequate funding liquidity/ inadequate capital   Shortage of managerial talents and general workforce   Pressure over operating and administrative costs   Inadequate IT infrastructure       How much do you leverage IT to transform business operations and drive innovation?   Fairly good > 70%   25 – 50%   5 – 25%   Less than 50%     What according to you are the emerging technology enablers which will help the banks? (Rank them on a scale of 1-6, 1 being the highest priority) 1 2 3 4 5 6 Mobility Hight-end Analytics Big Data Management Next Generation Data Processing Cloud Computing Service Oriented Architecture Other       What is the expected percentage change in the IT budget in 2013-14?   Decreased > 70%   No Change   Increased < 10%