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INDEX21pgs

Sl.No.

Subject Page No.

1 AWARENESS ABOUT OUR BANK 3

2 EMERGING TRENDS IN BANKING & BPG 2011-12 14

AWARENESS ABOUT OUR BANK

Brief History:

Bank of Baroda ! "a# n$ a %on$ '#'n(f)% and $%or o)! " !(or* of +or' ("an 103*'ar!, S r, Ma"ara. Sa*a. rao-III fo)nd'd ("' Bank,

T"' Bank +ad' a ")+/%' /'$ nn n$ n 1 0 n a !+a%% /) %d n$ n Baroda, On20 (" )%* 1 0 Bank of Baroda + ('d a! r'$ !('r'd )nd'r ("' Baroda5o+6an '! A7( of 1 8 (" a 6a d )6 7a6 (a% of R!, 10 %a7!, Soon af('r'!(a/% !"+'n( ("' Bank '9('nd'd (! o6'ra( on! (o ("r'' o("'r 7o++'r7 a%7'n('r! of G).ara( na+'%* S)ra( M'"!ana and Na#!ar , In 1 1 ("' Bank7ro!!'d ("' !(a(' fron( 'r! /* !'(( n$ )6 M)+/a Ma n Off 7',

In ("' *'ar 1 3: Bank /'7a+' a !7"'d)%'d Bank, RBI n7%)d'd ("' Bank n ("'!'7ond !7"'d)%' of RBI and /ro)$"( )nd'r d r'7( 7on(ro% of RBI, T"' f r!( !af'd'6o! ( %o7k'r! 'r' 6ro# d'd a( Baroda n 1 3 , A( ("' ( +' of nd'6'nd'n7'

n 1 48 Bank of Baroda a! a r'$ ona% /ank (" 4 /ran7"'!, o '#'r (fo)nd a 6%a7' n Ind a;!

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So)(" G).ara( o7a% Ar'a Bank (d ?2004@

M'+on 5o-o6'ra( #' Bank (d, ?2011@

Board f Directors

1, S"r M,D, Ma%%*a > 5"a r+an & Mana$ n$D r'7(or

2, I@ S"r Ra. # K)+ar Bak!" > E9'7)( #' D r'7(orII@ S"r N S Sr na(" > E9'7)( #' D r'7(or

3, S"r A%ok N $a+ > D r'7(or - Go#(, No+ n''4, S"r S)dar!"an S'n > D r'7(or - RBI No+ n'':, S"r A.a* Ma(")r > D r'7(or

, S"r C n % K)+ar Sa9'na > D r'7(or8, S"r C,B, 5"a#an > D r'7(or

, Dr, Ma!arra( S"a" d > D r'7(or

, S"r Sa(*a D'# Tr 6a(" > D r'7(or10,

S"r Ma)% n Ca !"na# > D r'7(or

11,

S"r S,S, B"andar > D r'7(or

12,

S"r Ra. / S'k"ar Sa"oo > D r'7(or

Mission Statement :

!"o be a top ra#$i#g Natio#al Ba#$ of I#ter#atio#al Sta#dardsco%%itted to aug%e#ti#g sta$e &olders' (alue t&roug& co#cer#) care

a#d co%pete#ce.*

Our Logo (Baroda Sun) :

• Bank n(rod)7'd ("' '9 !( n$ %o$o Baroda S)n ,',f (" )n' 200:,• I( 7o+6r !'! do)/%'

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A 7o+6r'"'n! #' (ran!for+a( on 6ro$ra++' 7a%%'d NACNIRMAAN "a!%a)n7"'d /* o)r Bank for (! do+'!( 7 o6'ra( on! on 22 )n' 200 , T"' Bank"a! 6ar(n'r'd (" M7k n!'* & 5o+6an* for (" ! 6ro$ra++' " 7" !7'n('r'd aro)nd o)r 7)!(o+'r! and o)r '+6%o*''! and "a! ( o 7or''%'+'n(!F B)! n'!! Pro7'!! R'-'n$ n''r n$ ?BPR@ & Or$an a( onR'!(r)7()r n$ ?OR@,

&y Na(#ir%aa#

1, '!! ( +' !6'n( on r'%a( on!" 6 +ana$'+'n( and /)! n'!! d'#'%o6+'n(2, o )( % a( on of ('7"no%o$*3, To r'a7" a( no,1 a+on$ PSU Bank!4, $" a!6 ra( on!:, In 6r'# o)! 20 *'ar! /ank n$ !'7(or )nd'r 'n( !'a 7"an$'! !o ( n''d!

++'d a(' a(('n( on (o r'a% $n 6ro7'!! 7"an$',

BP- 3Busi#ess Process -e4e#gi#eeri#g5 / ai# bjecti(esI+6ro#'+'n( n /ran7" 6rod)7( # (* on !a%'!B'!(- n-7%a!! !'r# 7' %'#'%! for 7)!(o+'r d'% $"(R'd'! $n of fron( and /a7k off 7' 6ro7'!!'! and ro%'! (o r'd)7' ()rnaro)nd( +'R'd)7( on n o6'ra( n$ 7o!(!

rga#i6atio# restructuri#g / ai# bjecti(esA66ro6r a(' or$an a( on !(r)7()r' and !*!('+! (o !)66or( BPR and /' n % n' ("f)()r' /)! n'!! 6%an! a( 7or6ora(' ona% and r'$ ona% off 7'! & a( /ran7"'!S)!(a na/ % (* of 7"an$' 6ro$ra+ ("ro)$" 7a6a/ % (* /) %d n$,

Na(#ir%aa# &a(i#g 7 $ey ele%e#ts:1, S +6% f 'd !*!('+! and 6ro7'!!'! a( /ran7"'! and o("'r off 7'!2, Wor%d-7%a!! /a7k off 7'! (o !)66or( /ran7" o6'ra( on!3, A%('rna(' 5"ann'% )!a$'4, R'd'f n'd or$an a( on !(r)7()r' and ro%'!:, Tra n n$ (o Barod an! for n' ro%'!

De(elop%e#t 8-epositio#i#g u#der Na(#ir%aa# project:

Pro.'7( Na#n r+aan "a! a%(o$'("'r 1 a7( # ( '! 7o#'r n$ /o(" BPR & Or$an !a( ona%R'!(r)7()r n$ a +'d a( (ran!for+ n$ ("' Bank;! /ran7"'! n(o a !a%'! & !'r# 7'7'n(r'! (o +ak' 6o!! /%' a !)!(a n'd !a%'! $ro (" !)6'r or 7)!(o+'r '96'r 'n7'and a%('rna(' 7"ann'% + $ra( on,

T"' +o!( +6or(an( n ( a( #'! 7o#'r! >o 5on#'r! on of a%% +'(ro & )r/an /ran7"'! n(o Baroda N'9( /ran7"'! (" n a ( +'% n'

o#'r 38 /ran7"'! ro%%'d o)( !o far Ho 5r'a( on of a)(o+a('d & %'an'r Ba7k Off 7'! % k'>• 5 (* Ba7k Off 7'• R'$ ona% Ba7k Off 7' ? '!(a/% !"'d & 4 n ("' ro @,

TC, Baroda 3

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• E!(a/% !"+'n( of ( o 5a%% 5'n(r'!In(rod)7( on of fron(% n' a)(o+a( on a( !'%'7( /ran7"'! for 7)!(o+'r 7on#'n 'n7'5r'a( on of an A7ad'+* of '97'%%'n7',To(a% R'$ on! n7r'a!'d (o 4 ,T"' n ( a% +6a7( of Baroda N'9( + $ra( on "a! /''n fo)nd (o /' r' ard n$ /o(" n

('r+! of n7r'a!'d 7)!(o+'r !a( !fa7( on and 5ASA $ro (", T"' !a d +6a7( "a!/''n !)!(a n'd a( 110 Baroda N'9( /ran7"'! r'7'n(%* '#a%)a('d on ?a@ !a%'! and ?/@7)!(o+'r !a( !fa7( on,To !)!(a n !a%'! $ro (" a n' Sa%'! O6'ra( n$ Mod'% "a! /''n ro%%'d o)( n :3/ran7"'! n M)+/a S)ra( & Baroda,O)( of 1: + d-7or6ora(' /ran7"'! 6%ann'd ( o ar' a%r'ad* f)n7( ona% and ! 9 ar''96'7('d (o 7o++'n7' ("' o6'ra( on! !oon,=)r("'r 7'n(ra% !a( on n ( a( #'! ar' )nd'r 6ro$r'!! (o 'na/%' ("' Bank;! /ran7"'!(o /'7o+' a f)%%-f%'d$'d Sa%'!-5)+-S'r# 7'-O)(%'( ,Bank;! -('7" 5 (* Bran7" n *d'ra/ad "a! /''n (ran!for+'d n(o an '-/ran7",

CRR (Sec !" RB# Act)

:,:0 of n'( d'+and and ( +' % a/ % ( '! (o 'n!)r' % J) d (* and !o%#'n7* (o /' k'6((" RBI,

SLR (Sec ! " Ban$ing Regu%ations Act)

245a!" n "and Go%d o n'd /* /ank Ba%an7' (" RBI SBI and In#'!(+'n( n)n'n7)+/'r'd a66ro#'d $o#'rn+'n( !'7)r ( '!,Ba#$'s prese#t BP9- 17. ;37 ; 3.7 ;

Ba#$ -ate 4 @.7 ; 3

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• Bank "a! a%!o +6%'+'n('d -aidCu#ds2I#dia !o%)( on n a%% ("' +a.or('rr (or '!,

• Bank "a! /) %( a State4of4t&e4+rt Data e#tre 7onfor+ n$ (o U6( +' In!( ()('T 'r-3 !(andard & a Disaster -eco(ery Site n d ff'r'n( !' !+ 7 on'! (o 'n!)r')n n('rr)6('d /ank n$ !'r# 7'! d'% #'r* (o 7)!(o+'r!,

• Bank;! obile Ba#$i#g 3Baroda 4 o##ect5 6ro# d'! #ar o)! fa7 % ( '! (o (!7)!(o+'r!,

• +#ti o#ey 9au#deri#g 3+ 95 "a! /''n +6%'+'n('d n Ind a and 20 of Bank;! o#'r!'a! ('rr (or '!,

• Bank "a! d'#'%o6'd an I#tegrated lobal "reasury Solutio# n (! +a.or('rr (or '! % k' U,K, UAE Ba"a+a! Ba"ra n on$ Kon$ S n$a6or' B'%$ )+USA and Ind a (o a7" '#' r'd)7'd 7o!( of o6'ra( on! & /'(('r f)nd +ana$'+'n(,

• Bank "a! a 7'n(ra% !'d S IC" !*!('+ for Ind a & (! 21 o#'r!'a! ('rr (or '!,• I#ter#et Pay%e#t ate

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Subsidiaries 3Do%estic5: Na n (a% Bank (d, BOB5ARDS (d, BOB 5a6 (a% Mark'( (d,

+ssociates 3Do%estic5:Baroda P on''r A!!'( Mana$'+'n( 5o+6an* (dInd a = r!( f' In!)ran7' 5o+6an* + ('dBaroda U((ar Prad'!" Gra+ n BankBaroda Ra.a!("an Gra+ n BankBaroda G).ara( Gra+ n BankNan (a% -A%+ora K!"'(r *a Gra+ n Bank

"a/)a-D"ar K!"'(r *a Gra+ n Bank

Subsidiaries 3 (erseas5:Bank of Baroda ?Bo(! ana@ (d,Bank of Baroda ?K'n*a@ (d,Bank of Baroda ?U$anda@ (d,Bank of Baroda ?G)*ana@ (d,Bank of Baroda ?UK@ (d,Bank of Baroda ?Tan an a@ (dBank of Baroda ?Tr n dad & To/a$o@ (d,Bank of Baroda ?G"ana@ (d,

-eprese#tati(e ffices 3 (erseas5Bank of Baroda ?T"a %and@Bank of Baroda ?A)!(ra% a@

+ssociate 3 (erseas5Indo-La+/ a Bank (d,? )!aka@

S E 9oa# factories:

W (" ("' a + of '9('nd n$ +or' fo7)!'d !'r# 7'! (o ("' SME S'7(or ("' /ank "a!7ar#'d o)( a !6'7 a% !a%' and d'% #'r* +od'% for "a!!%'-fr'' and fa!('r !an7( on of 7r'd ( 6ro6o!a% n ("' SME S'7(or,

SME oan =a7(or* ! d # d'd n(o ( o d # ! on! F 5'n(ra% )/ and Sa%'! )/,5'n(ra% )/ (o /' "'ad'd /* 'ad ?5r'd (@ and Sa%'! )/ (o /' "'ad'd /* 'ad?Sa%'!@ and !a%'! 7oord na(or /o(" ar' %o7a('d n !a+' 6r'+ !'! for /'(('r % a !onand 7oord na( on,

R'%a( on!" 6 Mana$'r! and R'%a( on!" 6 off 7'r! ar' %o7a('d a( !(ra('$ 7d'! $na('d Bran7"'! n #ar o)! %o7a( on! of ("' 7 (* /a!'d on /)! n'!! 6o('n( a%a#a %a/%' n ("' d'! $na('d /ran7"'! and o("'r fa7(or!, -ole a#d Cu#ctio#s

Ro%' of Mark'( n$ T'a+ ! (o $'n'ra(' %'ad! '96%or n$ n' 7)!(o+'r! and!(r'n$("'n n$ r'%a( on! (" '9 !( n$ 7)!(o+'r!,Ro%' of 5r'd ( )/ ! (o '9a+ n' 6)r!' %'ad! $'n'ra('d /* Mark'( n$ T'a+ forf nan7 n$, Ba!'d on 6ro6o!a%! r'7' #'d fro+ !)77'!!f)% %'ad! 7r'd ( 6ro6o!a%!ar' 6ro7'!!'d, Pro6o!a%! fa%% n$ )nd'r ("' 6o 'r! of 'ad of SME oan

TC, Baroda 6

http://www.barodagraminbank.com/http://bgrb.co.in/http://www.bggb.in/http://www.nakgb.com/http://mypop%28%27gramin_dhar.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27botswana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27kenya.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uganda.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27guyana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uk.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tanzania.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tt.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27ghana.asp%27%2C%27application%27%2C600%2C400%29/http://www.barodagraminbank.com/http://bgrb.co.in/http://www.bggb.in/http://www.nakgb.com/http://mypop%28%27gramin_dhar.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27botswana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27kenya.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uganda.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27guyana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uk.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tanzania.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tt.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27ghana.asp%27%2C%27application%27%2C600%2C400%29/

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=a7(or* n7"ar$' of 5r'd ( )/ %% /' 6r'6ar'd and !an7( on'd a( ("' )/,And 6ro6o!a%! /'*ond ("' 6o 'r! of ("' 'ad of SME oan %% /' !)/+ (('dd r'7(%* (o ("' !an7( on n$ a)("or ( '!,T"' 'n( r' !an7( on 6ro7'd)r' ! (o /' 7o+6%'('d (" n a +a9 +)+ of 11

ork n$ da*! fro+ ("' da(' of r'7' 6( of 7o+6%'(' nfor+a( on and

d !/)r!'+'n( ! (o /' 7o+6%'('d (" n 14 da*!, In 7a!' TEC !()d* ! r'J) r'd("' ( +' (ak'n ! 20 da*!,

Frba# -etail 9oa# factories11, T"'!' fa7(or '! r'6r'!'n( !a%'! and d'% #'r* +od'% /a!'d on a!!'+/%* % n'

6r n7 6%' 'n$a$ n$ o)r 6'o6%' and !)66or('d /* ! +6% f 'd 6ro7'!! and('7"no%o$*,

12, T"' R'(a % fa7(or '! "a#' ( n o)(f (! 7o+6r ! n$ Sa%'! ('a+ and 5'n(ra% !'dPro7'!! n$ 5'%% +ann'd /* Bank;! !6'7 a%%* !'%'7('d and (ra n'd '+6%o*''!,

23, Sa%'! '9'7)( #' 'a7" o)( (o ("' door- !('6! of ("' 7)!(o+'r! (o 6ro# d'!'r# 7'!,

34, A ('a+ of ('%'-7a%%'r! (" o("'r f)n7( onar '! +ak'! ("' 6ro7'!! of a#a % n$%oan a "a!!%' fr'' '96'r 'n7' for ("' 7)!(o+'r!,

4o%posite 9oa# factories

Bank "a! +o#'d (o ard! a f)r("'r nno#a( #' !('6 (o '!(a/% !" a 5o+6o! ('oan =a7(or* a( Man$a%or' "'r' a 6ro!6'7( #' a! '%% a! o)r '9 !( n$ /orro 'r

7an a#a % SME and or R'(a % %oan )nd'r on' )+/r'%%a,A! ' ar' fo7)!! n$ for 7ro!! - !'%% n$ of o)r 6rod)7(! ( ! '97'%%'n( !('6 (o (a6("' add ( ona% /)! n'!!, B'7a)!' no ' 7an 7an#a!! a SME /)! n'!! of ("'

f r+ 7o+6an* and a( ("' !a+' ( +' ' 7an $o for r'(a % /)! n'!! fro+ ("' 6ar(*n ("' r 6'r!ona% 7a6a7 ( '!,S E G -9C P :

I( ! n' n ( a( #'! )nd'r Na#n r+aan 6ro.'7( "'r' /ank ! $o n$ (o '!(a/% !"f' 7r'd ( 6ro7'!! n$ 7'n(r' on 6 %o( /a! !, T"' 7'n(r' %% no( on%* $o for (a66 n$/)! n'!!-%'ad & 6ro7'!! n$ of ("' !a+' /)( a%!o 7o+6%'(' ("' do7)+'n(a( ond !/)r!'+'n( & r'7o#'r*,

e#4Ne0t Bra#c&es

To r'!6ond (o ("' n''d! of ("' 7"an$ n$ d'+o$ra6" 7 6rof %' of ("' 7o)n(r*("' /ank "a! /''n 'nd'a#or n$ (o 7)!(o+ ' d'% #'r* 7"ann'%! '!6'7 a%%* for*o)(" !'$+'n(, A! a 6ar( of ("'!' 'ffor(! ("' /ank "a! !'( )6 nno#a( #'

G'n- N'9( /ran7"'! d'd 7a('d (o *o)(" and *o)n$ IT 6rof'!! ona%! a(7'r(a n 6%a7'!,T"' /ran7" %% "a#' *o)(" !6'7 f 7 6rod)7(! and %% f)n7( on a! a +od'% for

f)! on of -('7" and $"-(o)7" Bank n$ ,

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T"' Bran7" ! off'r n$ fo%%o n$ % a/ % ( '! and a!!'(! 6rod)7(! (o ("'7)!(o+'r!>

1, G'n N'9( SB a77o)n( fa7 % (* (" A B of on%* R!, :002, G'n N'9( S)# d"a n ("' for+ of R'7)rr n$ d'6o! (!3, G'n N'9( f' !(*%' F oan for 6)r7"a!' of f)rn ()r' #'" 7%' %a6(o6 '(7,4, G'n N'9( Po 'r n ("' for+ of OD : ( +'! of ("' n'( !a%ar* n7o+'

/a!'d on 7r'd ( ra( n$,

lobal Sy#dicatio# e#ter G I B

11, Bank;! G%o/a% S*nd 7a( on 7'n('r a( ondon a! !'( )6 n 2000, W (" a # ' (o(a6 ("' $ro n$ /)! n'!! o66or()n ( '! n ("' M dd%' Ea!( and So)(" Ea!( A! aR'$ on Bank "a! d'7 d'd (o !(ar( n' R'$ ona% !*nd 7a( on 5'n(r'! a( ?1@D)/a ?2@ S n$a6or' and ?3@ o"an!/'r$,

22, T"' Bank "a! !(ar('d a !6'7 a% 'd o)(f (- In('rna( ona% M'r7"an( Bank n$ 5'%%?IMB5@ a( In('rna( ona% D #, M)+/a (o !'r# 7' ("' '#'r $ro n$ d'+and fro+Ind an 5or6ora('! for f)nd! fro+ In('rna( ona% +ark'(!, IMB5 ! a%!o a7( #' nf)nd n$ M'r$'r & A7J) ! ( on! of do+'!( 7 and o#'r!'a! 7o+6an '! /* Ind an5or6ora('!, T"' IMB5 %% arran$' for !*nd 7a('d %oan! Bond! =55B! '(7, And

n#'!(+'n( /ank n$ and ad# !or* !'r# 7'!,

ealt& a#age%e#t Ser(ices

1O)r Bank a! 6ar( of 7)!(o+'r 7'n(r 7 +'a!)r' n ( a('d W'a%(" Mana$'+'n(

S'r# 7'! (o 6ro# d'd o)r NI and aff%)'n( 7)!(o+'r a 7o+6%'(' f nan7 a% !o%)( ona( on' !(o6, T"' !'r# 7' "a! 'na/%'d o)r 7)!(o+'r! (o /)* #ar o)! n#'!(+'n(6rod)7(! ("ro)$" o)r /ran7"'! and ! 6o! ( on n$ o)r Bank a! On' S(o6 = nan7 a%S)6'r Mark'( ,

Und'r W'a%(" Mana$'+'n( S'r# 7'! 7)rr'n(%* ' ar' off'r n$ 3 rd 6ar(* 6rod)7(!n Ban7a!!)ran7' M)()a% =)nd '-Trad n$ '(7, )nd'r ( ' )6 arran$'+'n( ("

#ar o)! 6ar(n'r!,

Seg%e#t Na%e of "ie4up Part#er Productsf'

In!)ran7'Ind a= r!( f' In!)ran7' 5o,

(d, ? o n( C'n()r' 5o, of ("'Bank@

Un ( nk'd In!)ran7' P%anT'r+ In!)ran7' P%anEndo +'n( P%anGro)6 In!)ran7' P%an '(7,

G'n'ra%In!)ran7'

Na( ona% In!)ran7' 5o, (d, Baroda 'a%(" 7o-/rand'd+'d - n!)ran7' 6rod)7(! for"o!6 (a% a( on '96'n!'!In!)ran7' 7o#'r'd for a!!'(!!)7" a! #'" 7%' /)! n'!! &

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nd)!(r '! % #' !(o7k '(7, fro+#ar o)! r !k!,

M)()a%=)nd

Baroda P on''r M)()a% =)nd? o n( #'n()r' 5o, of ("' Bank@

• Gro (" EJ) (* S7"'+'• In7o+' D'/( S7"'+'• Ba%an7' =)nd• Mon'* Mark'( or J) d

=)nd• G %( =)nd• Ind'9 =)nd• Ta9 Sa# n$ S7"'+'• = 9'd Ma()r (* P%an

UTI M)()a% =)nd

B r%a S)n% f' M)()a% =)ndR'% an7' M)()a% =)ndS)ndara+ BNP Par /a!=rank% n T'+6%'(on In#'!(+'n(!Ko(ak Ma" ndra M)()a% =)ndID=5 M)()a% =)nd

E-Brok n$ Ind a Info% n' (d Trad n$ n 'J) (*7o++od ( '! and (!d'r #a( #'!

t&er ajor tie up 8 F of Ba#$

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e4Pay%e#t of "a0es !E#abli#g No#4 usto%ers a#d No#4Baroda o##ectusto%ers* :

5BS Bran7"'! (o o6'n a 5)rr'n( A77o)n( )nd'r !6'7 a% !7"'+' 7od' 5A 11 -G'n'ra% Ta9 R'+ ((an7' A77o)n( ?Na+' of ("' Bran7"@ & o/(a n Baroda 5onn'7(ID & Pa!! ord,

+d(a#tages to usto%er:4a# n$ no N'( /ank n$ fa7 % (* 7an +ak' '-6a*+'n( of Ta9'!

No for+a% ( '!-R'$ !(ra( on %o$ n ID PW '(7On% n' 7"'7k of PAN TAN A!!'!!'' 7od'5onf r+ ++'d a(' Ta9 6a*+'n( F 5"a%%anIn!(an( 7*/'r r'7' 6( 7o)n('r fo % (" 5IN Pa*+'n( d'(a %! Na+' of ("'/ran7"5o)n('r fo % 7an /' r'$'n'ra('d

Ta9 6a*+'n( for an* 7o++ !! on'ra(' a#a %a/%'On % n' Ta9 6a*+'n( /* /ran7" on /'"a%f of an* nd # d)a% 7or6ora(' '(7No % + ( on a+o)n(=or 7)!(o+'r fr''

+d(a#tages to Ba#$ 8 Bra#c&:4R!, 4: - 6'r 7"a%%an r'#'n)'A((ra7( Non 7)!(o+'r-E96and B)! n'!!5or6ora(' "a# n$ +an* )n (! /r!, Fd ff'r'n( a!!'!!'' 7od' PAN TAN 7an6a* fro+ ! n$%' 6o n(-n''d no( r'J) r'd !'6ara(' Bank a77o)n(! In('rn'(/ank n$ for 'a7" a77o)n(Good Non =)nd /a!'d n7o+' !o)r7' fro+ a ! n$%' 7or6ora('

5"an7'! for 7ro!! !'%% of 6rod)7(! (o NI 5or6ora('

o#tact e#tre Cacility:

Bank "a! n(rod)7'd a n' d'% #'r* 7"ann'% ("' 5on(a7( 5'n(r' ?7a%% 7'n(r'@ ford'% #'r* of /ank n$ !'r# 7'! ("ro)$" " 99 C-EE PH NE , T"' n)+/'r! ar' 1=22 AA - 1= 1 2 77. No

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S(o6! ("' 6a*+'n( of 7"'J)' and 7an (ak' ("' r'J)'!( for !!)an7' of 7"'J)'/ook n r'!6'7( of RBO 7o#'r'd /ran7"'!,

o(% !(! ("' D'/ ( 5ard and (ak'! r'J)'!( for r' !!)an7' of PIN or D'/ ( 5ard,A! ("' 5on(a7( 5'n('r! %% /' a/%' (o addr'!! +o!( of ("' 7o++on o)%d /' n a 6o! ( on (o fo7)! ("' r a(('n( on +or' for /)! n'!! 6ro+o( on d'#'%o6+'n(,=)r("'r Bank 6ro6o!'! (o '9('nd f)n7( on! % k' ?a@ R'$ !(ra( on of D'/ ( 5ardr'%a('d 7o+6%a n(! ?7a!" no( d !6'n!'d@ ?/@ o)(/o)nd r'7o#'r* 7a%%! and ?7@o)(/o)nd !a%'! 7a%%!, T"' 7on(a7( 7'n(r' %% ork a! '9('nd'd ar+ of ("'/ran7" fa7 % (a( n$ +ark'( n$ and !a%'! of ("' /ank;! #ar o)! 6rod)7(!,

Be#efits to t&e usto%ers:Mo!( 7on#'n 'n( d'% #'r* 7"ann'%S'r# 7'! ar' a#a %a/%' fro+ a+ (o 6+3 : da*! a *'ar ?'97%)d n$ Ind'6'nd'n7' Da* and R'6)/% 7 Da*@

=r'' of 5o!(, To%% =r'' N)+/'r and "'n7' No 5o!(TWO To%% =r'' N)+/'r! ar' a#a %a/%' (o 'n!)r' )n n('rr)6('d !'r# 7'5)!(o+'r! ar' no( r'J) r'd (o # ! ( /ran7" for an* !'r# 7'!,E+'r$'n7* S'r# 7'! F D'/ ( 5ard o(-% !( n$ F ! 'a!* ! +6%' a)("'n( 7A%% !'r# 7' r'J)'!(! ar' !)66or('d /* Do7k'( N)+/'r for f)r("'r 'nJ) r*,S'r# 7'! for a%% % nk'd a77o)n(! ar' a#a %a/%'Prof'!! ona%%* +ana$'d and T'7"no%o$* dr #'n !'r# 7'!

+SB+ 3+pplicatio# Supported by Bloc$ed +%ou#ts5

ASBA ! a 6ro7'!! d'#'%o6'd /* ("' S'7)r ( '! and E97"an$' Board Of Ind a?SEBI@ for a66%* n$ (o IPO , In ASBA an IPO a66% 7an( ! a77o)n( do'!n ( $'(

d'/ ('d )n( % !"ar'! ar' a%%o('d, )a% f 'd In!( ()( ona% B)*'r! ? IB!@ ar' no(a%%o 'd (o 6ar( 7 6a(' n IPO! ("ro)$" ASBA fa7 % (*,

ASBA 6ro7'!! fa7 % (a('! r'(a % nd # d)a% n#'!(or! / dd n$ a( 7)(-off (" ! n$%'o6( on (o a66%* ("ro)$" S'%f 5'r( f 'd S*nd 7a(' Bank! ?S5SB!@ n " 7" ("'

n#'!(or! "a#' /ank a77o)n(!, S5SB! ar' ("o!' /ank! " 7" !a( !f* ("'7ond ( on! %a d /* SEBI, S5SB! o)%d a77'6( ("' a66% 7a( on! #'r f* ("'a66% 7a( on /%o7k ("' f)nd (o ("' '9('n( of / d 6a*+'n( a+o)n( )6%oad ("'d'(a %! n ("' '/ /a!'d / dd n$ !*!('+ of NSE )n/%o7k on7' /a! ! of a%%o(+'n(

! f na% 'd and (ran!f'r ("' a+o)n( for a%%o(('d !"ar'! (o ("' !!)'r,

ASBA +'an! A66% 7a( on S)66or('d /* B%o7k'd A+o)n( , ASBA ! an a66% 7a( on7on(a n n$ an a)("or !a( on (o /%o7k ("' a66% 7a( on +on'* n ("' /ank a77o)n(

for !)/!7r / n$ (o an !!)', If an n#'!(or ! a66%* n$ ("ro)$" ASBA " !a66% 7a( on +on'* !"a%% /' d'/ ('d fro+ ("' /ank a77o)n( on%* f " ! "'ra66% 7a( on ! !'%'7('d for a%%o(+'n( af('r ("' /a! ! of a%%o(+'n( ! f na% 'd or ("'

!!)' ! ("dra n fa %'d,

I( ! a !)66%'+'n(ar* 6ro7'!! of a66%* n$ n In ( a% P)/% 7 Off'r! ?IPO@ r $"(!!)'! and =o%%o on 6)/% 7 off'r! ?=PO@ +ad' ("ro)$" /ook /) %d n$ ro)(' and

7o-'9 !(! (" ("' 7)rr'n( 6ro7'!! of )! n$ 7"'J)' a! a +od' of 6a*+'n( and!)/+ (( n$ a66% 7a( on!,

Busi#ess Cigures: +t a gla#ceTC, Baroda 11

http://en.wikipedia.org/wiki/Initial_public_offeringhttp://en.wikipedia.org/wiki/Initial_public_offering

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?R!, n 5ror'@Para%eter A1. A.2 1 A1. A.2 11 A1.12.2 1

1To(a% G%o/a% B)! n'!! 41 08 :3411 0 8To(a% G%o/a% D'6o! ( 241044 30:43 34 20

To(a% G%o/a% Ad#an7'! 18:03: 22 88 2 0 1N'( Prof ( 30: ,33 4241,Gro!! NPA ? @ 1,3 1,3 1,4N'( NPA ? @ 0,34 0,3: 0,:1ROAA ? @ 1,21 1,33 1,25AR ? @ 14,3 14,:2 13,4:NIM ? @ 2,84 3,12 2,

Bank of Baroda ! '96'7( n$ (o(a% /)! n'!! $ro (" of a/o)( 24 o#'r %a!( *'ar and

(o a7" '#' a (o(a% /)! n'!! of +or' ("an R!, :0 000 7ror' a( ("' 'nd of Mar7"

2012, A%!o /ank ! $o n$ (o a7" '#' a do+'!( 7 7r'd ( $ro (" of 20 6'r7'n( a( ("'

'nd of ("' 7)rr'n( f nan7 a% *'ar,

+

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T"' R'!'r#' Bank of Ind a "a! r'%'a!'d ("' Draf( r)%'! for 7'n! n$ of N' Bank!n ("' Pr #a(' S'7(or af('r 7on! d'r n$ ("' # ' ! and 7o++'n(! of d ff'r'n( /ank!

NB=5! o("'r f nan7 a% n!( ()( on! and o("'r 6)/% 7 (o 6r'6ar' ("' draf( #'r! on of ("' $) d'% n'! for n' /ank n$ % 7'n!'!,

A! 6'r ("' RBI da(a ("' +a n f'a()r'! of ("' n' /ank n$ r)%'! ar' a! fo%%o !,1, M n +)+ 10 *'ar! of '96'r 'n7'! ar' r'J) r'd (o 6ro+o(' a /ank,

2, N' /ank! %% /' !'( )6 on%* ("ro)$" a "o%%* o n'd Non-O6'ra( #' o%d n$5o+6an* ?NO 5@, I( "a! (o /' r'$ !('r'd (" ("' r'!'r#' Bank of Ind a,

3, M n +)+ 7a6 (a% r'J) r'+'n( %% /' R! :00 7ror',

4, NO 5 !"a%% "o%d + n +)+ 40 of ("' 6a d-)6 7a6 (a% of ("' /ank for a6'r od of f #' *'ar! fro+ ("' da(' of % 7'n! n$ of ("' /ank, S"ar'"o%d n$ /*NO 5 n '97'!! of 40 !"a%% /' /ro)$"( do n (o 20 (" n 10 *'ar! and (o1: (" n 12 *'ar! fro+ ("' da(' of % 7'n! n$ of ("' /ank,

:, T"' a$$r'$a(' non-r'! d'n( !"ar'"o%d n$ n ("' n' /ank !"a%% no( '97''d4 for ("' f r!( : *'ar! af('r " 7" ( %% /' a! 6'r ("' '9(an( 6o% 7*,

, A( %'a!( :0 of ("' d r'7(or! of ("' NO 5 !"o)%d /' nd'6'nd'n( d r'7(or! (o"a#' 6ro6'r 7or6ora(' $o#'rnan7', T"' RBI !"o)%d /' a/%' (o !)6'r# !' ("'/ank n$ a7( # ( '! 6ro6'r%*,

8, T"' /ank !"a%% o6'n a( %'a!( 2: of (! /ran7"'! n )n/ank'd r)ra% 7'n(r'!,

RBI "a! a%!o d'7 d'd (o 6ro# d' /ank n$ % 7'n!'! (o !o+' +or' 7or6ora('! (o /oo!($ro (" and "a! $a("'r'd 6)/% 7 and o("'r o6 n on! /'for' f na% n$ ("' n' r)%'!for n' /ank n$ % 7'n!'!,

Ba#$s urgi#g i#di(idual borro

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-BI allo

= r!( 'a7" /ank %% "a#' (o off'r a )n for+ n('r'!( ra(' on !a# n$! /ank d'6o! (!)6 (o R! 1 %ak" rr'!6'7( #' of ("' a+o)n( n ("' a77o)n( (" n (" ! % + (, S'7ondfor !a# n$! /ank d'6o! (! o#'r R! 1 %ak" a /ank +a* 6ro# d' d ff'r'n( a% ra('! of

TC, Baroda 14

http://www.topnews.in/rbi-allows-creditdefault-swaps-2349537http://www.topnews.in/rbi-scraps-limit-mobile-transactions-2350109http://www.topnews.in/some-banks-may-reduce-rates-bulk-deposits-2349083http://www.topnews.in/some-banks-may-reduce-rates-bulk-deposits-2349083http://www.topnews.in/rbi-allows-creditdefault-swaps-2349537http://www.topnews.in/rbi-scraps-limit-mobile-transactions-2350109http://www.topnews.in/some-banks-may-reduce-rates-bulk-deposits-2349083

8/9/2019 study -10.02.2012-P11

15/22

n('r'!( f ( !o 7"oo!'! /)( !"o)%d no( /' d !7r + na('d fro+ 7)!(o+'r (o7)!(o+'r,

T %% da(' /arr n$ f' !+a%% /ank! no an* /ank "a! 7"an$'d ("' SB n('r'!( ra(',

Post &ar(est loa# at co#cessio#al rate of i#terest i.e. J>;

=or ("' a66ro6r a(' $ro (" and d'#'%o6+'n( of ("' ar'"o)! n$ !'7(or n ("'7o)n(r* and (o /r n$ 'ff 7 'n7* n ("' 7ond)7( of ar'"o)! n$ /)! n'!! ("' Go#(, of Ind a "a! n(rod)7'd a N'$o( a/%' War'"o)!' R'7' 6( ?NWR@ !*!('+ n ("' 7o)n(r*/* 'na7( n$ ("' War'"o)! n$ ?D'#'%o6+'n( and R'$)%a(or*@ A7( 2008, A( 6r'!'n(("' 7on7'!! ona% 7ro6 %oan! 8 (" n('r'!( !)/#'n( on ! a#a %a/%' (o far+'r! a!a 6r'-"ar#'!( %oan, o '#'r n 7a!' of 6o!( "ar#'!( %oan! a$a n!( ("' ar'"o)!'r'7' 6(! ("' far+'r! ar' $ran('d %oan! +a9 +)+ )6 (o R!,10 %a7! ("o)( an*7on7'!! on n ra(' of n('r'!(, In ord'r (o d !7o)ra$' d !(r'!! !a%' /* far+'r! and (o'n7o)ra$' ("'+ (o !(or' ("' r 6rod)7' n War'"o)!'! ( "a! /''n d'7 d'd /* ("'Go#'rn+'n( ("a( ("' /'n'f ( of n('r'!( !)/#'n( on %% /' a#a %a/%' (o !+a%% and+ar$ na% far+'r! "a# n$ K !an 5r'd ( 5ard for a f)r("'r 6'r od of )6(o - - +on("!on %oan a$a n!( ("' n'$o( a/%' ar' "o)!' r'7' 6( for k''6 n$ ("' r 6rod)7' n ar'"o)!'!,

In # ' of ("' a/o#' /ran7"'! !"o)%d 7"ar$' n('r'!( 8 on !)7" 6o!( "ar#'!(%oan! )6(o R! 3 %a7! a$a n!( N'$o( a/%' War'"o)!' R'7' 6( (o !+a%% and +ar$ na%far+'r! and n7%)d' ("' n('r'!( !)/#'n( on a+o)n( n ("' r 7%a +! 6r'6ar'd a!a/o#' n ("' for+a( a((a7"'d,

Ba#$i#g by t&e year 2 17:

T"' !)r#'* a! 7ond)7('d /* IBM r'!'ar7" )n ( on f)()r' /ank n$ !7'nar o" 7" r'#'a%'d f #' k'* (r'nd! ("a( %% d'('r+ n' +ark'( !)77'!! n 201:>

usto%ers ta$e co#trol4 5)!(o+'r! %% /' !+ar( nfor+'d and !a##* )!'r!of f nan7 a% !'r# 7'!, T"'* %% on%* /' n('r'!('d n !'r# 7' 6ro# d'r! ("a( 7an+''( ("' r #'r* !6'7 f 7 nd # d)a% n''d!,

Speciali6ed #ic&e co%petitors4 Mark'( 7on!o% da( on %% 7on( n)' +ak n$("' +'$a /ank! '#'n / $$'r, B)( ("'* %% fa7' +an* 7o+6'( (or! n7%)d n$7o++)n (* /ank! nd)!(r* !6'7 a% !(! and non-/ank /ank! ("a( !6'7 a% ' n6ro# d n$ !6'7 f 7 !'r# 7'!, Par(n'r-7o+6'( (or r'%a( on!" 6! %% ar !',

+ #e<

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7an (ra7k and ana%* ' !6'7 f 7 7)!(o+'r n''d! and !6''d %* +''( ("'+ ("6rof (a/%' r'% a/%' 6rod)7(!,

E#'n /ank! %% !o)r7' 6rod)7(! and !'r# 7'! fro+ +an* !6'7 a% 'd and /'!(-n-7%a!! !'r# 7' 6ro# d'r! n7%)d n$ nd'6'nd'n(! and o("'r /ank! 6ro# d n$" ('-%a/'% 6rod)7(! and !'r# 7'!, Inno#a( on n 6rod)7(! 6ro7'!!'!

r'%a( on!" 6! and /)! n'!! +od'%! %% /' ("' 6r +ar* 6a(" (o !)!(a na/%'$ro (",

I#stalli#g ff4site +" as outco%e of +" S&ari#g

A! 6'r ("' $) d'% n'! of RBI ("' 7)!(o+'r +a n(a n n$ Sa# n$ Bank A 7 +a*("dra ("' +on'* fro+ an* Bank;! ATM : ( +'! (" 7' % n$ of R!,10000 6'r

(ran!a7( on d)r n$ an* 7a%'ndar +on(" ("o)( an* 7"ar$', No '#'n /a%an7''nJ) r* a%!o 7on! d'r'd a! a (ran!a7( on ?(o ard! +a9,: fr'' (ran!a7( on@, B)( for!)7" (ran!a7( on! 7'r(a n 7"ar$' "a! /''n 6r'!7r /'d /* RBI " 7" ! (o /' 6a d /*("' 5)!(o+'r;! Bank (o ("' Bank "o!' ATM ! /' n$ )!'d, A%!o (" ! fa7 % (* !a#a %a/%' fr'' of 7o!( (o on%* Sa# n$ /ank a 7 "o%d'r! and o("'r a 7 "o%d'r! +a*'n.o* (" ! fa7 % (* R!20 6'r (ran!a7( on,

So no nd # d)a% Bank "a! (o for+)%a(' (! !(ra('$* r'$ard n$ n!(a%%a( on of n'ATM! or !"ar n$ of o("'r Bank;! ATM, T" ! ! '+'r$'d a! a n' ar'a of 7o++ !! on

n7o+' and '#'n /ank! ar' no fo7)! n$ on o("'r Bank;! ATM "'r' J)')' !("'r' !o ("a( an add ( ona% ATM 7an /' n!(a%%'d .)!( (o (a6 ("' 7o++ !! on

n7o+',

Deali#g

-etur#i#g of dis&o#oured c&e?ues4 T"'!' n!(r)+'n(! !"o)%d /' d !6a(7"'d (o("' 7)!(o+'r 6ro+6(%* ("o)( d'%a* n an* 7a!' (" n 24 "o)r!,

Procedure for retur#8 despatc& of dis&o#oured c&e?ues

? @ T"' 6a* n$ /ank !"o)%d r'()rn !)7" 7"'J)'! 6r'!'n('d ("ro)$" 7%'ar n$ "o)!'!!(r 7(%* a! 6'r ("' r'()rn d !7 6% n' 6r'!7r /'d for r'!6'7( #' 7%'ar n$ "o)!' n('r+! of Un for+ R'$)%a( on! and R)%'! for Bank'r!; 5%'ar n$ o)!'!,

? @ In r'%a( on (o 7"'J)'! 6r'!'n('d d r'7( (o ("' 6a* n$ /ank for !'((%'+'n( of

(ran!a7( on /* a* of (ran!f'r /'( ''n ( o a77o)n(! (" ("a( /ank ( !"o)%dr'()rn !)7" d !"ono)r'd 7"'J)'! (o 6a*''! "o%d'r! ++'d a('%*,? @ 5"'J)'! d !"ono)r'd for an( of f)nd! n r'!6'7( of a%% a77o)n(! !"o)%d /'

r'()rn'd a%on$ (" a +'+o nd 7a( n$ ("'r' n ("' r'a!on for d !"ono)r a! n!)ff 7 'n( f)nd!,

Deali#g

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an( of !)ff 7 'n( f)nd! n ("' a77o)n( no fr'!" 7"'J)' /ook o)%d /' !!)'d,A%!o ("' /ank +a* 7on! d'r 7%o! n$ 7)rr'n( a 7 a( (! d !7r'( on, o '#'r nr'!6'7( of ad#an7'! a77o)n(! !)7" a! 7a!" 7r'd ( or o#'rdraf( a77o)n( ("' n''dfor 7on( n)an7' of ("'!' 7r'd ( fa7 % ( '! and ("' 7"'J)' fa7 % (* r'%a( n$ (o ("'!'a 7 !"o)%d /' r'# ' 'd /* a66ro6r a(' a)("or (* " $"'r ("an ("' !an7( on n$a)("or (*,

? @ =or n(rod)7( on of ("' 7ond ( on +'n( on'd a( ? @ a/o#' n r'%a( on (o o6'ra( onof ("' '9 !( n$ a77o)n(! /ank! +a* a( ("' ( +' of !!) n$ n' 7"'J)' /ook

!!)' a %'(('r ad# ! n$ ("' 7on!( ()'n(! of ("' n' 7ond ( on,? @ If a 7"'J)' ! d !"ono)r'd for a 3rd ( +' on a 6ar( 7)%ar a77o)n( of ("' dra 'r

d)r n$ ("' f nan7 a% *'ar /ank! !"o)%d !!)' a 7a)( onar* ad# 7' (o ("'7)!(o+'r dra n$ " ! a(('n( on (o ("' 7ond ( on and 7on!'J)'n( a% !(o66a$' of 7"'J)' fa7 % (* n ("' '#'n( of 7"'J)' /' n$ d !"ono)r'd on 4(" o77a! on on ("'!a+' a77o)n( d)r n$ ("' f nan7 a% *'ar, S + %ar 7a)( onar* ad# 7' +a* /' !!)'d

f a /ank n('nd! (o 7%o!' ("' a77o)n(,

-BI tig&te#s salary accou#t ope#i#g rule:

T"' RBI "a! d r'7('d /ank! (o a!k for on' +or' 6roof !)7" a! Pa!!6or( Dr # n$% 7'n7' PA5 7ard Co('r;! d'n( (* 7ard or )( % (* / %%! n add ( on (o ("' 7'r( f 7a('

!!)'d /* ("' '+6%o*'r! " %' o6'n n$ !a%ar 'd /ank a77o)n(!, RBI f''%! ("a(n! !('n7' on ( o do7)+'n(! %% r'd)7' ("' 7"an7'! of + !)!' of a77o)n(,

Coreig# ba#$s %ust be locally i#corporated:

Af('r ("' $%o/a% f nan7 a% 7r ! ! r'$)%a(or! ("' or%d-o#'r ar' n! !( n$ %o7a%n7or6ora( on (o 'n!)r' ("a( %o7a% /)! n'!!'! ar' no( ")r( f ("'r' ! ano("'r an*

!)7" )n6%'a!an( '#'n(, In7 d'n(a%%* n7a!' of /ank! 6r'!'n( n Ind a !)7"6ro('7( on ! a%r'ad* 6r'!'n( a! for' $n /ank /ran7"'! ar' r'J) r'd (o +a n(a n7a6 (a% %o7a%%* and +''( 6r)d'n( a% $) d'% n'! on 7a6 (a% ad'J)a7* & '96o!)r' % + (,E#'n ("a( RBI no an(! (o 7on#'r! on of for' $n /ank /ran7"'! n(o "o%%*-o n'd !)/! d ar '! (o '9'r7 !' /'(('r 7on(ro% o#'r ("' o6'ra( on! of for' $n /ank!

n Ind a,

Ne

8/9/2019 study -10.02.2012-P11

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